Fire Insurance

Friday, 31. July 2015

The Act defines it as one insurance contract by which the insurer undertakes within the limits established by law and the contract to compensate the damage caused by fire in the insured object. It is considered a fire, the combustion flame and the abrasive, able to spread, an object or objects that were not intended to be burned at the time and place where it occurs. Finance Leader The insured should be described in the policy, the law in art. 46 describes the property to be included in the notion of furniture: things in common or ordinary use of the insured, his family, dependents and others who live with, excluding, unless otherwise agreed, the insurance cover the damage caused the fire in public or private securities, trade purposes, banknotes, precious stones and metals, art objects and other valuables kept in the insured object while proving its existence and destruction and damage the casualty. If one includes the damage caused by the action by the authority or the insured to prevent or extinguish the fire cut the transport costs of rescue or the insured and his disappearance, unless the insurer proves that were stolen. Not covered the so-called indirect damage such as a change in alignment of the buildings affected, lack of use or lease, the termination of the contract, the suspension or cessation of work, lack of profit or any other injury analogue. The obligation to indemnify is imposed when the fire was caused by fortuitous event, from strangers and ill own negligence or people who are responding civilly, but not those caused by malice or gross negligence of the insured, and that the destruction or deterioration of the objects upon which rests the insured interest occurs in the place described in the policy, unless your shipment has previously been accepted by the insurer. This type of insurance can also cover, through a loading, the risk and the use of locative neighbors. So the risk locative refers to the responsibility of the insured, a tenant of the building damaged, compared to the same owner, and the responsibility of the owner against the tenants, or even against third parties. The risk of neighbors is called Forbes the action on the civil liability CONSEA

Auto Insurance

Monday, 27. July 2015

Car insurance are a great alternative that offer enterprises today to cover all those economic losses suffered on the car of anyone. Both the insurance companies and large consortia of insurance tend to offer users all kinds of car insurance customers are entirely satisfied with the service they offer to step that generate profits and good name for the company. Undoubtedly, the great patrimonial value that have cars in today for the generality of people who live in the city and in rural areas surrounding the cities. Car insurance are necessary for people not so much by its practical utility, although it must be acknowledged that the utility of a car is a great value that is added to the validity of car insurance, but also because car insurance help to the owner of this ensure equity losses which may be suffered by a rather considerable value as it is automobile. Car insurance can cover all sorts of vicissitudes that may happen to your car already by some accident by calamity not expected, by mechanical difficulties, for damage not caused by the owner’s insurance, etc.

In any case, car insurance help their users well have a patrimonial guarantee about as important as it is the car of people for situations that no one is safe and that generally you cannot avoid. Insurance companies offer their customers all kinds of car insurance, which offer all sorts of services, among which may be appointed by now car theft insurance, insurance against traffic accidents automobile, car travel assistance insurance limited to certain miles, car insurance including legal defense in the event of problems by traffic accident, motor insurance including legal defence in the case of fines, car insurance that cover cases of rupture moons, motor insurance that cover cases of fire, car insurance covering the damages to the vehicle without a franchise, etc, etc, etc. As you can see, car insurance include the coverage of many of the difficulties and losses that may suffer on the car or cause to make use of your car. Within these safe insurance companies offer their customers all sorts of services that can be contracted according to the needs of the user. Thus, customer who is looking for car insurance can ask the services you need and do not have to sign many contracts for each of the contingencies that you want to cover, nor have to hire all the services offered by the company, but that with the insurance company agrees to what services you need and thus hires those who are more chords with their needs. As we can see, car insurance are an excellent alternative to all those people who have a car. These insurance policies are especially important for those who make periodic and necessary use of your car and also for those people whose car has a considerable equity cost that justifies the investment in one of these contracts.

Early Modern Period

Friday, 24. July 2015

Life insurance is considered a classic of the industry, but how long they already exist and where are the differences to today’s models? Life insurance in addition to the car insurance today is considered most important insurance on the German market. Customers have the choice of risk life insurance, capital life insurance and unit-linked life insurance today. There are many different insurers that can offer a wide range of services to their customers. This result in policyholders benefit from many different services. Through the Internet, customers have a great advantage as regards transparency: you can simply on the Internet find current rates and then close. This result in policyholders benefit from current and cheaper rates. The health questions can be answered simply on the phone.

This comfortable situation could in the late middle ages and in early modern times (14. Until 16th century) be no talk at all. Finally, there was a whole series of good reasons why is the Life insurance still has not developed to the, what should they be once. The reasons are basically for this purpose in the social structures but also in the lack of mathematical foundations of the calculus of probability. But in the early modern period the need for life insurance has grown by leaps and bounds.

Because in this age of the European continent and the entire world changed no wonder so fast, that there was more in the Middle Ages also no return. Nowadays age is the 16th century often also described as setting out in a new. Basically, you have to say that this is a review. In addition, the term Renaissance was not in the 15. Or 16th century but only in the 18th century. At this time, there was a trend to turn away from the dark middle ages. It focused on the achievements of the Romans and Griechend, but ignored the benefits that could be achieved in the middle ages.

Life Insurance In The Early Middle Ages

Sunday, 12. July 2015

Life insurance has already existed for many centuries – what differences are there to today’s policies? Life insurance is divided today in risk life insurance and in the capital life insurance. Additional protection is in the form of unit-linked life insurance. All three variants are more or less paid, but ultimately are products of centuries old ideas that can develop really only in the last 200 years. Only insurance agents have issued the insurance customers in the 19th century. At that time, the documents by hand were written and provided with seal and letter. Now, in the age of the Internet, the entire insurance industry in a totally new direction has evolved.

When you compare, contrast and check there are a number of different criteria must be considered today. Many consumers here wish you much easier and clear insurance, which clearly says, what can be expected in the event of damage. I weshalbs that the reason Life insurance in the 19th century so quickly is developed can be found primarily in the mathematical foundations. These basics were in antiquity or the middle ages have long not been. No wonder, then, that many of these insurance policies were condemned before 1800 sooner or later doomed.

Nevertheless, there was initial successes in the area of security already in the early middle ages. Many people could cover with the help of various fire guilds. Today, these guilds considered precursor of organised insurance industry. Referred to the era between the 5th century and the 8th century BC, has been long in the research as the dark age”. “This is not a romantic title from the 19th century, on the contrary: the name dark” in this case refers to the foggy and incomplete source situation from this era. Who considered the development of human history quickly detects that the source location was often very badly in times of upheaval.