average clause

简明释义

海损条款

英英释义

例句

1.Understanding the implications of an average clause can save you from unexpected losses during a claim process.

理解平均条款的影响可以让你在索赔过程中避免意外损失。

2.Due to the average clause, the homeowner received less compensation after the fire because they had not insured their home for its full value.

由于平均条款，房主在火灾后获得的赔偿少于预期，因为他们没有为房屋投保其全部价值。

3.The average clause in marine insurance helps to ensure that the insured amount reflects the actual value of the cargo.

海洋保险中的平均条款有助于确保保险金额反映货物的实际价值。

4.The insurance policy included an average clause, which means that if the property is underinsured, the payout will be reduced accordingly.

保险政策包含一个平均条款，这意味着如果财产保险不足，赔付将相应减少。

5.When reviewing the contract, I noticed an average clause that could impact my claim significantly.

在审查合同时，我注意到一个平均条款，这可能会显著影响我的索赔。

作文

In the world of insurance, particularly in marine and property insurance, the term average clause plays a significant role. The average clause is a provision that aims to protect insurers from underinsurance by ensuring that policyholders declare the correct value of their insured property. When a claim is made, if the insured property is found to be underinsured, the average clause allows the insurer to reduce the payout in proportion to the amount of underinsurance. This means that if a policyholder insures their property for less than its actual value, they may not receive the full compensation they expect in the event of a loss.For example, imagine a business that owns a warehouse filled with goods valued at $1 million but only insures it for $600,000. If a fire causes damage resulting in a loss of $300,000, the average clause would come into play. Since the warehouse was underinsured by 40% (the difference between the insured amount and the actual value), the insurer would only pay out 60% of the claim. In this case, the policyholder would receive $180,000 instead of the full $300,000 they might have anticipated. This situation highlights the importance of accurately assessing the value of insured items to avoid the repercussions of the average clause.The average clause serves as a reminder for policyholders to review their insurance policies regularly and ensure that they reflect the current value of their assets. It encourages responsible insurance practices and discourages individuals from taking unnecessary risks by underinsuring their properties. Furthermore, understanding the implications of the average clause can help policyholders make informed decisions when purchasing insurance.In conclusion, the average clause is an essential component of many insurance policies designed to prevent underinsurance. By understanding how it operates, policyholders can better protect themselves against potential losses and ensure they receive fair compensation in the event of a claim. Therefore, it is crucial to take the time to assess the value of your assets accurately and communicate this information to your insurer. The average clause ultimately promotes fairness in the insurance industry, benefiting both insurers and policyholders alike.

在保险的世界中，特别是在海洋和财产保险中，术语average clause扮演着重要角色。average clause是一项条款，旨在保护保险公司免受不足保险的影响，确保投保人申报其被保险财产的正确价值。当发生索赔时，如果发现被保险财产不足保险，average clause允许保险公司根据不足保险的金额减少赔付。这意味着，如果投保人将其财产的保险金额低于实际价值，他们可能不会在损失发生时获得预期的全部赔偿。例如，想象一家拥有价值100万美元货物的仓库的企业，但只为其投保60万美元。如果火灾造成损失300,000美元，average clause将发挥作用。由于仓库的保险金额比实际价值不足40%（即投保金额与实际价值之间的差额），因此保险公司只会支付索赔的60%。在这种情况下，投保人将仅收到180,000美元，而不是他们可能预期的300,000美元。这种情况突显了准确评估被保险物品价值的重要性，以避免遭受average clause带来的后果。average clause提醒投保人定期审查其保险政策，并确保这些政策反映其资产的当前价值。它鼓励负责任的保险实践，并劝阻个人通过不足保险来承担不必要的风险。此外，了解average clause的影响可以帮助投保人在购买保险时做出明智的决定。总之，average clause是许多保险政策的重要组成部分，旨在防止不足保险。通过理解它的运作方式，投保人可以更好地保护自己免受潜在损失，并确保在索赔时获得公平的赔偿。因此，准确评估资产价值并将此信息传达给保险公司至关重要。average clause最终促进了保险行业的公平，惠及保险公司和投保人。