شرط النسبية

English translation: the proportionality clause

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
Arabic term or phrase:شرط النسبية
English translation:the proportionality clause
Entered by: Trans Master (X)

17:25 Apr 13, 2015
Arabic to English translations [PRO]
Law/Patents - General / Conversation / Greetings / Letters
Arabic term or phrase: شرط النسبية
-يجب تأمين السيارة بقيمتها الحقيقية ( القيمة الحالية بالسوق) وتضمين الرسوم الجمركية في القيمة وبعدم ذلك سيكون التعويض خاضعا لشرط النسبية وفي حالة وصول تكلفة الإصلاح إلى 50 % من مبلغ التأمين يحق للشركة اعتبار العربة تالفة تلفا كليا.
Abdul Wahab km
India
the proportionality clause
Explanation:
the proportionality clause

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Note added at 3 mins (2015-04-13 17:28:53 GMT)
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http://www.vantageprofessionalrisks.co.uk/assets/files/atris...

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Note added at 47 mins (2015-04-13 18:12:39 GMT)
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it is the proportionality clause or the proportional rule as per the specialized dictionaries including the Dictionary of Insurance Terms.

http://bu.com.co/en/newsandpublications/253

Sometimes, it is mistakenly translated into the relative clause

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Note added at 2 hrs (2015-04-13 19:34:28 GMT)
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You can download the Dictionary of Insurance Terms compiled by Dr. Tayseer Hamad Al-Terriki using this link

http://mohamedrabeea.com/books/book1_6285.pdf

After downloading it, please kindly check

Proportional Rule and Proportionality Clause
Selected response from:

Trans Master (X)
Egypt
Local time: 10:23
Grading comment
Thanks
4 KudoZ points were awarded for this answer



Summary of answers provided
5 +3the proportionality clause
Trans Master (X)
4 +2Condition of average; average clause; coinsurance provision; coinsurance clause
Muhammad Atallah


Discussion entries: 2





  

Answers


1 hr   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +2
Condition of average; average clause; coinsurance provision; coinsurance clause


Explanation:
شرط النسبية هو شرط تضعه شركات التأمين في عقود التأمين وينص على أن المؤمن له يتحمل نسبة معينة من الخسارة تعادل نسبة الفرق بين الأملاك المؤمنة في الوثيقة والأملاك الموجودة على أرض الواقع عند وقوع الحادث. ومثال ذلك الشخص الذي يؤمن على منزله بمبلغ تأمين 100 ألف جنيه، بينما القيمة الحقيقية للمنزل هي 150 ألف جنيه، أي أن مبلغ التأمين غير متناسب مع القيمة الحقيقية وغير كاف، ومن ثمَّ يتحمل المؤمن له هذا النقص. وهنا تُطبَّق معادلة شرط النسبية وتكون بعملية محاسبية عبر ضرب الخسارة الفعلية بناتج قسمة القيمة التأمينية على القيمة الحقيقية. فاذا كانت الخسارة في مثالنا السابق 10 آلاف جنيه فإن مبلغ التعويض = 10000×(100000÷150000 ).

وقد وجدت بعد البحث أن هناك عدة مصطلحات مستخدمة في اللغة الإنجليزية لهذا المعنى، وبيانها كما يلي، ووجدت أيضًا أن المصطلح الأول أكثرها شيوعًا، والله أعلم.


Condition of average
Condition of average (also called underinsurance[1] in the U.S., or principal of average,[2] subject to average,[3] or pro rata condition of average[4] in Commonwealth countries) is the insurance term used when calculating a payout against a claim where the policy undervalues the sum insured. In the event of partial loss, the amount paid against a claim will be in the same proportion as the value of the underinsurance.
http://en.wikipedia.org/wiki/Condition_of_average

average clause
a part of an insurance policy that states that if the insurance value of a property at the time of loss or damage is less than its real value, payment by the insurance company will be reduced according to the difference. For example, if a piece of jewellery worth £10,000 has an insurance value of £5,000, 50% of its real value, the insurance company will pay £2,500, which is 50% of the insurance value
http://dictionary.cambridge.org/dictionary/business-english/...

coinsurance provision
A property insurance provision that penalizes the insured's loss recovery if the limit of insurance purchased by the insured is not equal to or greater than a specified percentage (commonly 80 percent) of the value of the insured property. The coinsurance provision specifies that the insured will recover no more than the following: the amount of the loss multiplied by the ratio of the amount of insurance purchased (the limit of insurance) to the amount of insurance required (the value of the property on the date of loss multiplied by the coinsurance percentage), less the deductible. The amount of the loss that is not payable to the insured as a result of failure to comply with the coinsurance provision is commonly referred to as a coinsurance penalty. In commercial property insurance policies, it is sometimes possible to avoid the possibility of a coinsurance penalty with an agreed value provision.
http://www.irmi.com/online/insurance-glossary/terms/c/coinsu...


coinsurance clause
Insurance policy stipulation that a building must be insured for at least a certain percentage (usually 80 percent) of its insurable value (appraised or market value of the property less value of land) in order to collect the full amount of a partial-loss claim on it.

Read more: http://www.businessdictionary.com/definition/coinsurance-cla...

Muhammad Atallah
Egypt
Local time: 10:23
Specializes in field
Native speaker of: Native in ArabicArabic
PRO pts in category: 92

Peer comments on this answer (and responses from the answerer)
agree  TargamaT team: شكرًا أخي هذا والله عمل ترجمي رائع
3 mins
  -> شكرا جزيلا

agree  Awad Balaish
2 hrs
Login to enter a peer comment (or grade)

3 mins   confidence: Answerer confidence 5/5 peer agreement (net): +3
the proportionality clause


Explanation:
the proportionality clause

--------------------------------------------------
Note added at 3 mins (2015-04-13 17:28:53 GMT)
--------------------------------------------------

http://www.vantageprofessionalrisks.co.uk/assets/files/atris...

--------------------------------------------------
Note added at 47 mins (2015-04-13 18:12:39 GMT)
--------------------------------------------------

it is the proportionality clause or the proportional rule as per the specialized dictionaries including the Dictionary of Insurance Terms.

http://bu.com.co/en/newsandpublications/253

Sometimes, it is mistakenly translated into the relative clause

--------------------------------------------------
Note added at 2 hrs (2015-04-13 19:34:28 GMT)
--------------------------------------------------

You can download the Dictionary of Insurance Terms compiled by Dr. Tayseer Hamad Al-Terriki using this link

http://mohamedrabeea.com/books/book1_6285.pdf

After downloading it, please kindly check

Proportional Rule and Proportionality Clause


Trans Master (X)
Egypt
Local time: 10:23
Native speaker of: Native in ArabicArabic, Native in EnglishEnglish
PRO pts in category: 51
Grading comment
Thanks

Peer comments on this answer (and responses from the answerer)
agree  Khalid Idris
9 mins
  -> Many Thanks

agree  Seham Ebied
40 mins
  -> Many Thanks

agree  Spiridon: yes
15 hrs
  -> Many Thanks
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