Assignment First

澳洲论文代写可靠吗:财产保险

保险被认为是管理风险的一种重要方式,可以避免可能的货币损失,从而节省资产和财产。此外,出于这一目的,有意保护其财产不受潜在金融风险影响的个人必须购买财产保险,以换取某些被称为“保费”的费用。这样,风险就从一个实体转移到另一个实体。有各种各样的保险,包括不同的资产。财产保险包括或保护财产免受财产的风险,这是自然灾害或犯罪活动所造成的。财产保险通常被称为保单是一种特殊形式的合同,在实体或个人之间,保单持有人以定期分期付款方式支付保险费。作为回报,投保人对保险公司(Gatzert, Pokutta & Vogl, 2017)的损失进行财务保护或偿还。保险公司将保单持有人的保费收入和其他创收资产汇集在一起,建立一个储备基金,由保险公司支付赔偿。在出售财产保险之前,保险公司通常会对财产进行评估,以确定资产与损失或损害的相关风险,并利用这些数据来确定财产的适当溢价率。

澳洲论文代写可靠吗:财产保险
保险政策是通过分散风险来降低风险的一种方法。此外,个人使用购买财产保险减少相关的风险与他们的财产,换取决定溢价购买政策,希望在任何事故发生时,保险政策支持他们反对货币损失他们的财产损害的发生。然而,通常情况下,保险公司会从保单合同中存在的模棱两可的条款中逃避支付保单持有人的赔偿。有几个问题需要确定,具体资产的损失或损害是否属于保险公司根据合同提供的保护或汇合。在寻址时,为了损失或损害财产的索赔要求,理事会将需要决定索赔人的损失是否在该政策的条款和条件下被包括。因此,房地产公司对在买卖合同中增加保险条款的做法持谨慎态度,在买卖合同中,卖方和买方都必须为完成交易和交换之间的期限保持建筑保险。在索赔的时候,保险公司认为这两项政策必须共同阅读,并且有双倍的资产覆盖(Puelz, 2010)。此外,在汇丰保险的案例中,很明显的是,该公司逃避支付索赔人的款项,因为保险合同中有一条款规定,如果该建筑物在任何其他保险公司承保,公司将不支付。

澳洲论文代写可靠吗:财产保险

The insurance is considered as an important way of managing risk and saves assets and properties against possible monetary losses. Moreover, for this purpose, an individual who intends to protect his/her property from the potential financial risk has to buy property insurance in exchange for certain fees known as premium. In this way, the risk is shifted from one entity to another entity. There are various types of insurances, which cover different assets. The property insurance covers or protects the property against the risks to the property, which would be occurred from natural disasters or the criminal activities. Property insurance generally known as policy is a unique form of contract between an entity or individual whereby the policyholder makes payment in the shape of premium in regular installments. In return, the policyholder gets financial protection or reimbursement against the losses from the insurer (Gatzert, Pokutta & Vogl, 2017). The insurance companies pool the premium payments from their policyholders and with other income generating assets, build a reserve fund from which the insurance companies make the payment of the claims. Before selling property insurance, the insurance companies usually assess the properties to determine the associated risk of the asset against the loss or damages and use the data to decide on the appropriate rate of premium for the properties.

澳洲论文代写可靠吗:财产保险
The insurance policy is a way to minimizing the risk by distributing the risks. Furthermore, the individuals use to buy property insurance for reducing the associated risk with their property, purchase a policy in exchange for the decided premium and hope that in the case of any accidents occurs, then the insurance policy support them against the monetary loss occurs from the damages of their property. However, it is often apparent that the insurance companies’ escapes from making payment for the claims of the policyholders by the ambiguous clauses exist in the policy contracts. Several issues take places for determining that whether the loss or damages to a specific asset falls within the protection or converge provided by the insurance company according to the contract. At the time of addressing, the claims for indemnity in order to loss or damage of property the council will require to decide whether the claimants’ loss is covered under the term and condition of the policy at issue. For this reason, the real estate companies are wary of adding the provisions of insurance in the sale contract, where the seller and buyer both have to maintain building insurance for the period between the completion and exchange. At the time of claim, the insurance companies argue that the both the policies must be read jointly with each other and there is double coverage of the asset (Puelz, 2010). In addition to that, it is evident in the case of HSBC Insurance that the company escape from making payment of claimant as there is a clause in the insurance contract stating that if the building is insured under any other insurer, the company will not pay.