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09:38 Aug 14, 2000
Spanish to English translations [PRO] Tech/Engineering
Spanish term or phrase:franquicia
"Se excluye la cobertura por parte de la empresa, del Seguro Contra Todo Riesgo, del Montaje y Pruebas y sus franquicias, que deberá ser contratado por el Comprador.
Explanation: This is the term that is used in the insurance industry.
Diccionario de terminos juridicos Ingles-Espanol/Espanol-Ingles OXford Spanish Dictionary English-Spanish/Spanish-English
NNieto United States Local time: 23:45 PRO pts in pair: 54
Graded automatically based on peer agreement.
f, exempt losses, losses which are not paid by an insurance policy because they fall within the insurance deductible."
By way of illustration, when I crashed my car I had to pay a "franquicia" of $300, and my policy covered the rest. i.e. I had to put up the first $300 before the insurers would cover the loss.
Explanation: Insurance policies usually contain 'items'. These may be classified as covered losses or liabilities and exemptions to those items, usually listed by clausules. You need to read the fine print to find out what they really mean. The word 'franquicia' may be appropriate for insurance companies in Spain & South America. Don't use it in Mexico, since it wouldn't be recognized by the vast majority.
Explanation: In the context of insurance, "franquicia" is "deductible" and "seguro contra todo riesgo" is "comprehensive insurance". The problem with this Spanish sentence is that its syntax is wrong; it is not clear what the relative clause ("que deberá....") modifies and, that's why it doesn't make sense. What is the "buyer" responsible for contracting for? If it's the "cobertura", then "deberá ser contratado" should be "deberá ser contratada"; if it's the "Seguro Contra Todo Riesgo, del Montaje y Pruebas y sus franquicias", then it should say "deberán ser contratados." In fact, this Spanish sentence reads like it was poorly translated from English; if you're involved in an exercise in back-translation, this Spanish sentence is one that needs to be carefully checked against the English. Otherwise, I'd either contact the client for clarification or (if that's not possible) include a translator's note saying essentially what I just said.
(See "deductible" in the Eng section and "riesgo" in the Sp section of the Oxford Spanish Dictionary.)