Скачать или смотреть Policy excess, the amount to be borne by the insured in the event of a claim- Loyalty Insurance

Policy excess, the amount to be borne by the insured in the event of a claim- Loyalty Insurance

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Описание к видео Policy excess, the amount to be borne by the insured in the event of a claim- Loyalty Insurance

Under Policy excess, the policyholder will be responsible for a portion of the claim amount (excess), which is normally between 10% – 20%, unless it is bought back by the policyholder by the payment of an additional premium.
When an excess is bought by the insured, the insurer then becomes responsible for 100% of the claim amount. An insurance company may decide not to sell the excess after an assessment of the moral hazard of the insured. It is even possible to increase the excess beyond what is normally the case.

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