{"id":1068,"date":"2012-01-31T10:29:22","date_gmt":"2012-01-31T10:29:22","guid":{"rendered":"http:\/\/www.networkportfolio.co.uk\/schofieldinsurance.co.uk\/?p=1068"},"modified":"2016-01-14T17:05:04","modified_gmt":"2016-01-14T17:05:04","slug":"jargon-buster","status":"publish","type":"post","link":"http:\/\/www.networkportfolio.co.uk\/schofieldinsurance.co.uk\/news-briefs\/jargon-buster\/","title":{"rendered":"Jargon Buster"},"content":{"rendered":"<p>Many industries have their own language and terminology that is specific to their sector \u2013 and the insurance industry is no exception. Below we&#8217;ve provided a simple explanation of some commonly used phrases &#8211; we hope you find them useful. For a full glossary of terms, visit the BIBA website at <a href=\"http:\/\/www.schofieldinsurance.co.uk\/%22http:\/\/www.biba.org.uk\/JargonBuster.aspx\/%22\" target=\"\\&quot;_new\\&quot;\">www.biba.org.uk\/JargonBuster.aspx<\/a><\/p>\n<p><!--more--><\/p>\n<p><strong>ADDENDUM:<\/strong> A document setting out agreed alterations to an insurance contract.<\/p>\n<p><strong>ADJUSTER:<\/strong> A person who investigates and assesses claims on behalf of insurers.<\/p>\n<p><strong>ALL RISKS:<\/strong> Term used to describe insurance against loss of or damage to property arising from any fortuitous cause except those that are specifically excluded.<\/p>\n<p><strong>ASSURANCE:<\/strong> A term interchangeable with insurance but generally used in connection with life cover as assurance implies the certainty of an event and insurance the probability.<\/p>\n<p><strong>CLAIMS:<\/strong> Injury or loss to the insured arising so as to cause liability to the insurer under a policy it has issued.<\/p>\n<p><strong>COMMON LAW:<\/strong> The common law consists of the ancient customs and usages of the land, which have been recognised by the courts and given the force of law.<\/p>\n<p><strong>COVER NOTE:<\/strong> A document issued to the insured confirming details of the insurance cover placed. Some cover notes are a legal requirement, e.g. motor.<\/p>\n<p><strong>DEFERRED PREMIUM:<\/strong> The part of a premium which, following agreement with underwriters, is payable by installments, usually quarterly or half yearly.<\/p>\n<p><strong>EMPLOYERS\\&#8217; LIABILITY INSURANCE:<\/strong> Insurance by employers in respect of their liability to employees for injury or disease arising out of and in the course of their employment.<\/p>\n<p><strong>ENDORSEMENT:<\/strong> Documentary evidence of a change in the wording of or cover offered by an existing policy or qualification of wording if the policy is written on restricted terms (see also Addendum).<\/p>\n<p><strong>EXCESS:<\/strong> The first portion of a loss or claim which is borne by the insured. An excess can be either voluntary to obtain premium benefit or imposed for underwriting reasons.<\/p>\n<p><strong>EX-GRATIA PAYMENT:<\/strong> A payment made by an insurer to a policyholder where there is no legal liability to pay.<\/p>\n<p><strong>GROSS PREMIUM:<\/strong> A term normally applied to gross written premiums before deduction of brokerage and discounts.<\/p>\n<p><strong>HAZARD:<\/strong> A physical or moral feature that introduces or increases the risk.<\/p>\n<p><strong>INDEMNITY:<\/strong> A principle whereby the insurer seeks to place the insured in the same position after a loss as he occupied immediately before the loss (as far as possible).<\/p>\n<p><strong>INSURANCE BROKER\/INTERMEDIARY:<\/strong> An insurance intermediary who advises his clients and arranges their insurances. Although he acts as the agent of his client, he is normally remunerated by a commission (brokerage) from the insurer. An insurance broker is a full-time specialist with professional skills in handling insurance business.<\/p>\n<p><strong>FINANCIAL OMBUDSMAN SERVICE:<\/strong> A bureau established by major insurance companies to oversee the interests of policyholders whose complaints remain unsolved through normal company channels of communication.<\/p>\n<p><strong>LAPSE:<\/strong> The non-renewal of a policy for any reason.<\/p>\n<p><strong>LOSS:<\/strong> Another term for a claim.<\/p>\n<p><strong>MATERIAL FACT:<\/strong> Any fact which would influence the insurer in accepting or declining a risk or in fixing the premium or terms and conditions of the contract is material and must be disclosed by a proposer, or by the insurer to the insured.<\/p>\n<p><strong>NEGLIGENCE: <\/strong>Perhaps the most common form of tort. In Blyth v Birmingham Waterworks Co (1856) it was defined as \\&#8217;the omission to do something which a reasonable man guided by those considerations which ordinarily regulate the conduct of human affairs would do, or doing something which a prudent and reasonable man would not do\\&#8217;. Gives rise to civil liability.<\/p>\n<p><strong>NEW FOR OLD:<\/strong> Where insurers agree to pay the cost of property lost or destroyed without deduction for depreciation .<\/p>\n<p><strong>NO CLAIMS BONUS (OR DISCOUNT):<\/strong> A rebate of premium given to an insured person by an insurer where no claims have been made by that insured. Very common in motor insurance.<\/p>\n<p><strong>NON-DISCLOSURE:<\/strong> The failure by the insured or his broker to disclose a material fact or circumstance to the underwriter before acceptance of the risk.<\/p>\n<p><strong>POLICY:<\/strong> A document detailing the terms and conditions applicable to an insurance contract and constituting legal evidence of the agreement to insure.<\/p>\n<p><strong>PREMIUM:<\/strong> The consideration paid for a contract of insurance.<\/p>\n<p><strong>PRODUCTS LIABILITY INSURANCE:<\/strong> These policies cover the insured\\&#8217;s legal liability for bodily injury to persons, or loss of or damage to property caused by defects in goods sold, supplied, erected, installed, repaired, treated, manufactured, and\/or tested by the insured.<\/p>\n<p><strong>PROFESSIONAL INDEMNITY INSURANCE:<\/strong> This policy protects a professional man against his legal liability towards third parties for injury, loss, or damage, arising from his own professional negligence or that of his employees.<\/p>\n<p><strong>QUOTE:<\/strong> A statement by an insurer of the premium he will require for a particular insurance.<\/p>\n<p><strong>REINSTATEMENT:<\/strong> Making good. Where insured property is damaged, it is usual for settlement to be effected through the payment of a sum of money, but a policy may give either the insured or insurer the option to restore or rebuild instead.<\/p>\n<p><strong>RENEWAL: <\/strong>The process of continuing insurance from one period of risk to a succeeding one.<\/p>\n<p><strong>RISK MANAGEMENT:<\/strong> The identification, measurement and economic control of risks that threaten the assets and earnings of a business or other enterprise.<\/p>\n<p><strong>SALVAGE:<\/strong> A recovery of all or part of the value of an insured item on which a claim has been paid. The insurer will normally dispose of the item and apply the proceeds to reduce the cost of the claim.<\/p>\n<p><strong>SCHEDULE:<\/strong> The part of a policy containing information peculiar to that particular risk. The greater part of a policy is likely to be identical for all risks within a class of business covered by the same insurer.<\/p>\n<p><strong>STATEMENT OF FACT:<\/strong> An alternative to a completed proposal form. A statement provided by the insurer clarifying the basis on which insurance is accepted and what conditions apply.<\/p>\n<p><strong>SUM INSURED:<\/strong> The maximum amount payable in the event of a claim under contract of insurance.<\/p>\n<p><strong>UNDERWRITER:<\/strong> A person who accepts business on behalf of an insurer.<\/p>\n<p><strong>WARRANTY:<\/strong> A very strict condition in a policy imposed by an insurer. A breach entitles the insurer to deny liability.<\/p>\n<p><strong>WEAR AND TEAR:<\/strong> This is the amount deducted from claims payments to allow for any depreciation in the property insured which is caused by its usage.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many industries have their own language and terminology that is specific to their sector \u2013 and the insurance industry is no exception. Below we&#8217;ve provided a simple explanation of some commonly used phrases &#8211; we hope you find them useful. For a full glossary of terms, visit the BIBA website at www.biba.org.uk\/JargonBuster.aspx<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-1068","post","type-post","status-publish","format-standard","hentry","category-news-briefs","no-content-parts"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Jargon Buster - Schofield Insurance<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jargon Buster - Schofield Insurance\" \/>\n<meta property=\"og:description\" content=\"Many industries have their own language and terminology that is specific to their sector \u2013 and the insurance industry is no exception. 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