Definicija: n. – a legal document which makes changes to an existing contract of insurance
Primer rabe: Details of your policy endorsement will be sent in the post.
Prevod: dodatna določba, dodatek (o razširitvi ali zožitvi kritja)
2) amendment, also v. to amend
Definicija: n. – a change to the terms of an insurance policy. An amendment alters the policy; an endorsement adds to a policy.
Primer rabe: An amendment was made to this clause.
Definicija: n. – the percentage of each covered insured event that the policyholder must pay. For example, the insurance policy would pay out 90% of the medical costs whilst the policyholder would pay 10%.
Primer rabe: My copay for a doctor’s visit is $30.
Prevod: participacija (zahtevek zavarovanca kot način omejevanja stroškov)
Definicija: n. – failure to act or not act as a reasonable person would in the same situation when such failure results in injury of damage
Primer rabe: Negligence is one of the factors you need to identify when making your claim.
Definicija: n. – in insurance fraud occurs when people deceive an insurance company or agent to collect money to which they are not entitled
Primer rabe: Insurance fraud, like other types of fraud, is illegal in all states.
Definicija: n. – the malicious and often random destruction or spoilage of another person’s property
Primer rabe: Someone has sprayed paints graffiti all over the side of your property and I have filed a claim for vandalism against my insurance.
7) cash value
Definicija: n. – money accumulated, normally in a life insurance policy, which can be withdrawn, borrowed or even used as loan collateral depending on the type of insurance product
Primer rabe: After 15 years, the cash value of his insurance policy was £12,845.
Prevod: odkupna vrednost
8) consequential loss
Definicija: n. – a loss that occurs as a consequence of another
Primer rabe: The courts considered that the fire in the adjacent building was a consequential loss and thus covered under the policy.
Prevod: posledična škoda/izguba (premoženjska zavarovanja običajno ne krijejo posledičnih škod)