How is a safe transportation of goods?
The safe transportation of goods is made to insure the transport of goods by land, sea or air.
What is covered?
- Loss of property transported by sea, land or air
- Loss or damage arising out of extraordinary situations or sacrifice of the goods for a greater cause. Example: If the boat facing a storm and the captain even decide to throw goods overboard to save the boat and crew.
- Fire
- Lightning and explosion
- Carrying vehicle rollover
- Shock or collision between the carrier vehicle and another vehicle or obstacle
- Abatement of engineering works (bridges and tunnels, for example)
- Land subsidence
- Theft since hired additional coverage (Clause)
What are the exclusions?
Excluded from all damages and expenses resulting from:
- Smuggling and illegal trade
- Sanitary and disinfection
- Bad packaging or packaging deficiency whose responsibility is the policyholder (who does insurance)
- Changes to the product itself
- Delays in travel
- Differences in price and loss of market or any other phenomenon causing injury of the insured in the commercial transaction.
- Intentional actions or omissions of the policyholder or insured
- Spin-nuclear explosion or radioactivity
The following exclusions can be waived are now guaranteed by the insurance) by surcharge:
- Capture, seizure, arrest, seizure, arrest or detention and its consequences
- Explosion of bombs and consequences of wars, rebellions, revolutions and acts of terrorism
- Acts of piracy
- Strikes, riots and public policy changes
In what way can it be done?
There are several clauses:
- Section A – advise hiring new merchandise in this clause
- Section B – applicable to goods and used for ground transportation (Sea is not advisable because it has a few covers)
- Section C – applies to used goods, and can also be applicable to new merchandise, but with less coverage than the “A”
- Haulage in situations of war
- Transportation of Goods in situations Strike
- Air transport
- Theft
- Substitution Clause
What documents are required to complain in case of accident?
- Original policy or certificate of insurance
- Original or certified copy of transport document
- Making the right
- Certificate of inspection carried out by the authority referred to in the policy or certificate of insurance
- Copy of the letter to the carrier or other entities involved to claim damages in the well and response
read moreTool to calculate the cost per employee Work Accident Insurance
Today provides a useful tool for professionals who want to control the costs of the companies they work for.
It is very useful to know how much insurance Accidents at work by each employee.
Thus, it provides a tool in Excel for this purpose.
DOWNLOAD
Instructions:
Very easy!
1 – Place the employee’s name in the NAME column
2 – Place the monthly salary in the respective column in red
3 – Place the food allowance monthly column in the respective red
4 – Place the fee total insurance Accidents at the location indicated in red
Do the same for other employees. If necessary, add more lines and drag formulas (you are an expert in Excel and know how to do this, right?)
And voila! Done!
read moreCaring for the life insurance contract for the mortgage
Many of us have a mortgage loan contracted with banks. To obtain credit, you must hire life insurance and multi-risk insurance (building only) for housing.
You can do this with the Bank or use mediators and / or insurance. Banks tend to “require” the hiring of insurance to lower the spread. Since that is not written in the contract with the Bank that you have to hire them in the Bank, may seek the best solution for you and your wallet. On this subject, read an article I published earlier.
Consider well the hedging instruments. Hire with Total and Permanent Disability – Disability is one which removes the possibility to produce and earn your pay. She is determined based on the medical percentages (minimum 66%) Disability Table. There is Total Permanent Disability (100%) that requires a third party to satisfy the most basic needs. Do not be just for this disability.
There are life insurance with Total and Permanent Disability equal to or above 70%. It is cheaper but excludes disability of 66% to 69% and still are enough. Do not subscribe this insurance.
Subscribe to Total and Permanent Disability 66%.
Read the exclusions and care insurance with exclusive Death or Disability resulting from occupational activity – Santander has a life insurance policy in this way. In insurance, disability resulting from the exercise of professional activity is excluded.
You can hire a life insurance policy for a capital than required by the Bank. Example:
It has an outstanding of 100,000
Decides to hire an insurance 200,000
In case of disability, the Bank receives the amount of principal outstanding and the remainder goes to the insured, in case of death goes to the heirs.
Imagine the following scenario:
Couple
The capital is 100,000
One spouse dies or becomes invalid
Here the insurer pays the bank the outstanding principal balance and the insured person or their heirs. If the amount outstanding at the date of the accident was 90,000, this money goes to the Bank and the remaining 10,000 will go to the heirs or spouse invalid.
If the couple died or became invalid at the same time, the insurer pays 90,000 to the Bank, but will pay 110,000 (100,000 + 10,000) to the heirs or the couple.
read moreWhat influences the price of insurance
When you want to request a quote for insurance, there are several elements that can influence the price of it.
I will give some examples:
Car Insurance:
- Gender – female is cheaper
- Date of birth and date of the letter – the more years the better
- Past history – the more years of insurance in your name, the better
- Claims – less is cheaper
- Characteristics of the vehicle – passenger car is the cheapest, then Light Commercial, Mixed (between 1800 kg and 2900 kg GVW) Caminhetas (2900 kg to 3500 kg Gross Weight) are the most expensive. Within each category, the displacement, power and capacity to influence price
- Location – there are cheaper than other areas. Porto, Lisbon and Braga are the most expensive.
- Occupation – one or another insurer, influences the price.
Housing Multi-risk insurance, condominium and stores or industries :
- Year of construction – there are different prices depending on the year of construction. The more years the higher the price, even with reconstruction work, plumbing or electricity, although these works help lower the price.
- Systems for Protection against theft or fire – the more the better price
- Location – can influence the coverage of Seismic Phenomena
- Type of areas – Urban, Rural, Industrial
Even if you only want to secure filling, the insurer needs to know the characteristics of the building where the filling is.
Insurance Accidents employed or Independent:
- Occupation – Construction activity is a greater risk than the office worker, right? Soon, the price is also different.
- Payroll – The higher, the higher the price
Personal Accident Insurance:
- Age
- Profession – to occupational hazards
- Risk activities – cycling or other vehicles 2 / 3 wheels, extreme sports … they increase the price of insurance
- Capital and coverages and deductibles – the higher were the capitals and the lower cover and the deductibles are, the higher the insurance premium
Health Insurance :
- Age
- Clinical situation – in case of serious problems in the past may lead to the refusal of insurance by the insurer or it may refuse treatment linked to insure the health
- Capital Markets, Insurance and Franchising – The more, the higher the price, the franchises, the more the lower the price
Life Insurance:
- Age
- Clinical situation – in case of serious problems in the past may lead to the refusal of insurance by the insurer or it may exclude claims related to this same state of health. The policy that is mentioned.
- Capital, Covers – The more, the higher the price
These are the principal insurance that each of us, in private and companies usually hire. It is so with an idea of what it takes to get a quote for insurance.
read moreSpecific exclusions from coverage Storms and Floods in Homes
Continuing on the path of the exclusions, I will address today in the same housing insurance coverage of storms and floods.
Storms – cover damage due to:
- Typhoons, cyclones, tornadoes and winds exceeding 80 km / hour. If you need to prove it, just ask for a document proving the weather station closest to you.
- Flooding by the fall of rain, snow or sleet, if there is entry into the safe inside the building due to fire, explosion and / or mechanical action, Lightning, Storms, Floods and landslides.
- Direct action of sand or dust from entering the interior of the building or secure housing due to damage by wind or hail.
Flood – cover damage due to:
- Trunk of water or heavy rains fall
- Burst water mains, sewers, drains, dikes and dams
- Flood or overflow the bed of rivers, streams and other bodies of water natural or artificial
Let us now turn to the exclusion of these two coverages :
- Damage caused by the sea, even if the same action is caused by a storm.
- Damage to buildings or degradation of known weakness and its contents
- Damage to furniture and outdoor
- Damage to trees or plants of the gardens attached to the building
- Damage to blinds and awnings, fences, gates, shutters and outdoor neon signs. They may be covered if accompanied by total or partial destruction of the building safe
In Flooding, damage to walls are excluded, unlike that in storms.
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About Me
Hi, this is Helen Betty. Welcome to my blog. Being an Insurance Officer, I wanted to share my knowledge regarding Insurance with people. Hence, I have made my blog a little informative with all kinds of insurance stuff in it. I hope this blog of mine would be able to give you enough info about the tactics of Insurance.