excepted perils

简明释义

例外危险

英英释义

例句

1.Before signing the contract, make sure you understand the excepted perils (排除的危险) that may not be covered.

在签署合同之前，请确保您了解可能不被覆盖的excepted perils(排除的危险)。

2.It's important to review your home insurance policy for any excepted perils (排除的危险) before a natural disaster strikes.

在自然灾害发生之前，审查您的家庭保险政策中是否有任何excepted perils(排除的危险)是很重要的。

3.The insurance policy covers most damages, but it specifically excludes excepted perils (排除的危险) such as earthquakes and floods.

这份保险政策涵盖大部分损失，但它特别排除了excepted perils(排除的危险)，如地震和洪水。

4.In maritime insurance, certain risks are considered excepted perils (排除的危险), such as piracy and war.

在海上保险中，某些风险被视为excepted perils(排除的危险)，如海盗行为和战争。

5.The tenant was surprised to find that fire damage from a candle was an excepted peril (排除的危险) in their renters' insurance.

租户惊讶地发现，蜡烛引起的火灾损害在他们的租客保险中是一个excepted peril(排除的危险)。

作文

In the world of insurance, the term excepted perils refers to specific risks or dangers that are excluded from coverage in an insurance policy. Understanding this concept is crucial for both insurers and policyholders, as it defines the boundaries of protection offered by the insurance contract. When individuals or businesses seek insurance, they often assume that their policy will cover all potential risks. However, this is rarely the case. Policies typically outline various excepted perils, which can include natural disasters, acts of war, or intentional damage. For example, a homeowner's insurance policy may cover fire and theft but explicitly exclude damages caused by earthquakes or floods. This means that if an earthquake were to occur, the homeowner would not receive compensation for any resulting damages, leaving them financially vulnerable.The rationale behind including excepted perils in insurance policies is primarily financial. Insurers need to manage risk effectively to remain solvent and profitable. By excluding certain high-risk events, they can offer lower premiums to policyholders while still ensuring that they can cover the claims that do arise. This practice also encourages policyholders to take additional precautions against the excepted perils. For instance, a business located in a flood-prone area might invest in flood defenses or purchase separate flood insurance to protect against losses that their standard policy does not cover.Moreover, the identification of excepted perils can vary significantly between different types of insurance. In marine insurance, for example, common excepted perils include piracy and bad weather conditions. In contrast, life insurance policies may exclude coverage for deaths resulting from risky activities such as skydiving or bungee jumping. This variation highlights the importance of reading and understanding the fine print of any insurance agreement.Policyholders should take the time to thoroughly review their insurance policies and ask questions about any excepted perils that may apply. It is essential to know what is covered and what is not, as this knowledge can help individuals and businesses make informed decisions about additional coverage options. For instance, if a homeowner lives in an area prone to hurricanes, they might want to consider purchasing a separate hurricane policy if their standard homeowner's insurance excludes such risks.In conclusion, the concept of excepted perils plays a vital role in the insurance industry. It defines the limits of coverage and helps insurers manage their risks while providing policyholders with a clearer understanding of their protections. By being aware of these exclusions, individuals and businesses can better prepare for potential risks and ensure they have adequate coverage in place. Ultimately, understanding excepted perils empowers policyholders to make smarter choices regarding their insurance needs and financial security.

在保险的世界里，术语excepted perils指的是在保险政策中排除的特定风险或危险。理解这个概念对保险公司和投保人都至关重要，因为它定义了保险合同所提供保护的边界。当个人或企业寻求保险时，他们通常假设他们的政策将涵盖所有潜在风险。然而，情况往往并非如此。政策通常会列出各种excepted perils，这些可能包括自然灾害、战争行为或故意损害。例如，房主的保险政策可能会涵盖火灾和盗窃，但明确排除地震或洪水造成的损失。这意味着如果发生地震，房主将无法获得任何由此产生的损害赔偿，使他们在财务上处于脆弱状态。将excepted perils纳入保险政策的理由主要是财务原因。保险公司需要有效管理风险，以保持偿付能力和盈利能力。通过排除某些高风险事件，他们可以向投保人提供较低的保费，同时确保能够覆盖出现的索赔。这种做法也鼓励投保人采取额外的预防措施，以应对excepted perils。例如，位于易受洪水影响地区的企业可能会投资于防洪设施或购买单独的洪水保险，以保护自己免受标准政策未涵盖的损失。此外，excepted perils的识别在不同类型的保险之间可能有显著差异。在海洋保险中，常见的excepted perils包括海盗行为和恶劣天气条件。相比之下，寿险政策可能会排除因冒险活动（如跳伞或蹦极）导致的死亡的保障。这种差异突显了仔细阅读和理解任何保险协议的细则的重要性。投保人应该花时间彻底审查他们的保险政策，并询问可能适用的任何excepted perils。了解哪些是被覆盖的，哪些是不被覆盖的，这一点至关重要，因为这种知识可以帮助个人和企业就额外的保障选项做出明智的决策。例如，如果房主居住在易受飓风影响的地区，他们可能希望考虑购买单独的飓风保险，以防止其标准房主保险排除此类风险。总之，excepted perils的概念在保险行业中起着至关重要的作用。它定义了保障的限制，并帮助保险公司管理风险，同时为投保人提供更清晰的保护理解。通过意识到这些排除条款，个人和企业可以更好地准备潜在风险，并确保他们拥有足够的保障。最终，理解excepted perils使投保人能够更聪明地选择自己的保险需求和财务安全。