INSURANCE POLICY
बीमा में, बीमा पॉलिसी बीमाकर्ताऔर पॉलिसीधारक के बीच एकअनुबंध (आमतौर पर एक मानकरूप अनुबंध) होता है, जोउन दावों को निर्धारित करताहै जिनका भुगतान करने के लिएबीमाकर्ता को कानूनी रूपसे आवश्यकता होती है। बीमापॉलिसी, प्रारंभिक भुगतान के बदले में, जिसे प्रीमियम के रूप मेंजाना जाता है, बीमाकर्तापॉलिसी की भाषा, बीमापॉलिसी के तहत कवरकिए गए खतरों केकारण होने वाले नुकसानके लिए भुगतान करनेका वादा करता है।
बीमाअनुबंध विशिष्ट आवश्यकताओं को पूरा करनेके लिए डिज़ाइन किएगए हैं और इसप्रकार कई अन्य प्रकारके अनुबंधों में कई विशेषताएंनहीं पाई जाती हैं।चूंकि बीमा पॉलिसियां मानकरूप हैं, इसलिए उनमेंबॉयलरप्लेट भाषा होती हैजो विभिन्न प्रकार की विभिन्न प्रकारकी बीमा पॉलिसियों मेंसमान होती है।
बीमापॉलिसी आम तौर परएक एकीकृत अनुबंध है, जिसका अर्थहै कि इसमें बीमाधारकऔर बीमाकर्ता के बीच समझौतेसे जुड़े सभी रूप शामिलहैं, हालांकि, कुछ मामलों में, अंतिम समझौते के बाद भेजेगए पत्र जैसे पूरकलेखन बीमा पॉलिसी कोएक गैर-एकीकृत अनुबंधबना सकते हैं। एकबीमा पाठ्यपुस्तक में कहा गयाहै कि आम तौरपर "अदालतें सभी पूर्व वार्ताओंया समझौतों पर विचार करतीहैं ... डिलीवरी के समय पॉलिसीमें प्रत्येक संविदात्मक अवधि, साथ ही बादमें पॉलिसी राइडर्स और एंडोर्समेंट केरूप में लिखी गई... दोनों पक्षों की सहमति केसाथ, हिस्सा हैं। लिखित नीतिका"। पाठ्यपुस्तक मेंयह भी कहा गयाहै कि नीति कोउन सभी कागजातों काउल्लेख करना चाहिए जोनीति का हिस्सा हैं।मौखिक समझौते पैरोल साक्ष्य नियम के अधीनहैं, और यदि अनुबंधसंपूर्ण प्रतीत होता है तोइसे नीति का हिस्सानहीं माना जा सकताहै। विज्ञापन सामग्री और सर्कुलर आमतौरपर किसी नीति काहिस्सा नहीं होते हैं।लिखित नीति जारी होनेतक लंबित मौखिक अनुबंध हो सकते हैं।
सामान्यसुविधाएँ
बीमाअनुबंध या समझौता एकअनुबंध है जिसके तहतबीमाकर्ता बीमाधारक को या उनकीओर से किसी तीसरेपक्ष को लाभ काभुगतान करने का वादाकरता है यदि कुछपरिभाषित घटनाएं होती हैं। "भाग्यसिद्धांत" के अधीन, घटनाअनिश्चित होनी चाहिए। अनिश्चितताया तो यह होसकती है कि घटनाकब होगी (उदाहरण के लिए जीवनबीमा पॉलिसी में, बीमाधारक कीमृत्यु का समय अनिश्चितहै) या यह बिल्कुलभी होगा (उदाहरण के लिए अग्निबीमा पॉलिसी में, चाहे एकबीमा पॉलिसी हो या नहीं) आग बिल्कुल लगेगी)।
बीमाअनुबंधों को आम तौरपर आसंजन के अनुबंध मानाजाता है क्योंकि बीमाकर्ताअनुबंध तैयार करता है औरबीमाधारक के पास इसमेंभौतिक परिवर्तन करने की बहुतकम या कोई क्षमतानहीं होती है। इसकाअर्थ यह है किअनुबंध की किसी भीशर्त में कोई अस्पष्टताहोने पर बीमाकर्ता बोझवहन करता है। बीमापॉलिसी पॉलिसीधारक के बिना अनुबंधकी एक प्रति देखेबिना बेची जाती हैं।1970 में रॉबर्ट कीटन ने सुझावदिया कि कई अदालतेंअस्पष्टताओं की व्याख्या करनेके बजाय 'उचित उम्मीदों' कोलागू कर रही थीं, जिसे उन्होंने 'उचित उम्मीदों कासिद्धांत' कहा। यह सिद्धांतविवादास्पद रहा है, कुछअदालतों ने इसे अपनायाऔर अन्य ने इसेस्पष्ट रूप से खारिजकर दिया। कैलिफ़ोर्निया, व्योमिंग और पेंसिल्वेनिया सहितकई न्यायालयों में, बीमाधारक अनुबंधमें स्पष्ट और विशिष्ट शर्तोंसे बंधे होते हैं, भले ही सबूत बतातेहैं कि बीमाधारक नेउन्हें पढ़ा या नहींसमझा।
बीमाअनुबंध इस मायने मेंपाखंडी हैं कि बीमाधारकऔर बीमाकर्ता द्वारा आदान-प्रदान कीगई राशि असमान हैऔर अनिश्चित भविष्य की घटनाओं परनिर्भर करती है। इसकेविपरीत, साधारण गैर-बीमा अनुबंधकम्यूटिव होते हैं, जिसमेंएक्सचेंज की गई राशि(या मूल्य) आमतौर पर पार्टियों द्वारामोटे तौर पर बराबरहोने का इरादा होताहै। यह अंतर विशेषरूप से विदेशी उत्पादोंके संदर्भ में महत्वपूर्ण हैजैसे कि परिमित जोखिमबीमा जिसमें "कम्यूटेशन" प्रावधान शामिल हैं।
बीमाअनुबंध एकतरफा होते हैं, जिसकाअर्थ है कि केवलबीमाकर्ता अनुबंध में कानूनी रूपसे लागू करने योग्यवादे करता है। बीमाधारकको प्रीमियम का भुगतान करनेकी आवश्यकता नहीं है, लेकिनबीमाकर्ता को अनुबंध केतहत लाभों का भुगतान करनाआवश्यक है यदि बीमाधारकने प्रीमियम का भुगतान कियाहै और कुछ अन्यबुनियादी प्रावधानों को पूरा कियाहै।
बीमाअनुबंध अत्यंत अच्छे विश्वास (बेरिमा फाइड्स) के सिद्धांत द्वाराशासित होते हैं, जिसकेलिए बीमा अनुबंध केदोनों पक्षों को अच्छे विश्वाससे निपटने की आवश्यकता होतीहै और विशेष रूपसे, बीमाधारक को जोखिम सेसंबंधित सभी भौतिक तथ्योंका खुलासा करने का कर्तव्यप्रदान करता है। सम्मिलितहुआ। यह कानूनी सिद्धांतके विपरीत है जो अधिकांशअन्य प्रकार के अनुबंधों कोकवर करता है, चेतावनीएम्प्टर (खरीदार सावधान रहें)। संयुक्तराज्य अमेरिका में, बीमाधारक एकबीमाकर्ता पर बुरे विश्वासमें कार्य करने के लिएटोर्ट में मुकदमा करसकता है।
अधिकपढ़ें
Im4U Januari 03, 2022 New Google SEO Bandung, Indonesia
Renters insurance offers essential protection
**Renters looking to protect their staff can rely on affordable renters insurance from Progressive, but coverage goes beyond your personal belongings. A renters policy may also pay for medical bills if someone is injured at your residence and you are liable, or additional living expenses if your home is unlivable due to a covered loss.**
Save on renters insurance easily
**Saving on renters insurance is as simple as starting a quote. We'll apply each discount you qualify for as you go, saving you time and money.**(See Disclosure)**
Bundle auto & renters insurance
Get both an auto and renters insurance policy from Progressive and save an average of 3% on your car insurance.
Quote in advance
Early shopping earns more savings. Get a renters insurance quote before your policy starts and earn an additional discount.
Renters insurance provides personalized protection
Renters insurance is designed to cover unexpected events, including theft of your personal property and injuries that you are liable for to visitors. When you quote renters insurance with Progressive, you can customize your coverage and limits.
Personal property
Personal property coverage provides coverage for items such as clothing, electronics, furniture, tools, and appliances. These types of items may be covered against incidents including fire, theft, vandalism, tornadoes, and water damage. You may need extra coverage for jewelry or art and collectibles, which you can add during the renter’s insurance quote process.
Example: Your place is burglarized, and your couch is stolen. Your property coverage may reimburse you the cost to replace the couch, up to your policy’s limits, minus your deductible.
Liability
If you're responsible for someone's injuries at your residence, personal liability coverage may pay for their injuries up to the limits of your policy.
Example:: You hot a party and one of your guest’s slips and falls. If you're liable, renters insurance may pay for medical expenses, lost wages, and court/legal fees if you're sued.
Loss of use
If your place is damaged and uninhabitable due to a covered loss, loss of use coverage may help pay for lodging and grocery expenses (above what you'd normally pay).
Example: Your apartment's kitchen is damaged due to a cooking fire, and you're forced to stay in a hotel for a week during repairs. You may be reimbursed for hotel and dining expenses above what you would normally spend on groceries or dining out.
Who needs renters insurance?
Renters insurance is for anyone renting an apartment, home, condominium, or any other living space (if you're a landlord renting out a home, call 1-855-347-3939 for help with a specialized policy). If your landlord/complex requires insurance, we can send proof of insurance to your landlord/complex.
If your personal property is stolen or damaged in a fire, your landlord typically won't cover anything. That's why you may want renters coverage to help protect your belongings.
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Im4U Januari 03, 2022 New Google SEO Bandung, Indonesia
VAT CALCULATOR
<->In the United Kingdom, the value added tax (or value added tax, VAT )was introduced in 1973, superseding the Purchase Tax, and is the third largest source of government revenue, after income tax and National Insurance.<-> It is administered and collected by HM Revenue and Customs, primarily through the Value Added Tax Act of 1994.<->
<->VAT from tax may be levied on most goods and services provided by the UK registered businesses and some goods and services imported from outside the UK.<-> The default VAT rate is the standard rate, 20% as of 4 January 2011.< -> Some goods and services are subject to VAT at a reduced rate of 5% (such as domestic fuel) or 0% (such as most children's food and clothing).<-> Others are exempt from VAT or are out of the system altogether. <->
<->VAT that can be taxed indirectly because the tax will be paid to the government by the seller of the company and not by the person who ultimately bears the economic burden of the tax (the consumer).<-> Opponents of VAT claim it is a regressive tax because the poorest people spend a higher proportion of their income on VAT than the richest people.<-> Those who support VAT claim it is progressive because consumers who spend more pay more VAT.<->
~Between October to March 1940 and March 1973 the UK had a consumption tax called the Purchase Tax, which was levied at different rates depending on the luxury of the good. ~Purchase Tax applied to wholesale prices, introduced during World War II, initially at a rate of. ~This doubled in April 1942 to, and further increased in April 1943 to the 100% level, before returning in April 1946 to be again. ~Unlike VAT, Purchase Tax is applied at the place of production and distribution, not at the point of sale. ~Purchase tax rates in early 1973, when VAT was applied, were 13, 22, 36, and 55%.~
~On 1 January 1973 the UK joined the European Economic Community and as a consequence, the Purchase Tax was replaced by a Value Added Tax on 1 April 1973. ~Conservative Chancellor Lord Barber imposes a single VAT rate (10%) on most goods and services.~
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How Life Insurance Can Make Parenting Easier
Becoming a parent is one of life’s milestones that makes you rethink your finances, especially when it comes to insurance. Having life insurance is a crucial part of parenthood as it ensures that your child is protected from financial hardship if you were no longer around.
Checking life insurance off your to-do list takes just a few minutes, and you’ll enjoy a lifetime of peace of mind.
Teach your children the importance of planning ahead
Financial planning, including life insurance and retirement solutions, is not taught in school and is a necessary component of adult life. By teaching your children to understand the value of money and how loans and credit works, you allow them to make wiser financial decisions.
Additionally, life insurance is a smart and affordable financial tool to ensure you leave behind a legacy rather than any debt or expenses for your loved ones. Life insurance translates into a responsible plan for your child’s future.
Keeps room in your budget for family fun
If you have anyone who would be financially impacted by your passing, an affordable term life insurance policy can help you protect your loved ones from financial hardship in your absence.
Term life policies start for as low as $20 a month, and coverage lasts for a term length of your choice. Adding riders to your policy would allow you to select a return of premium option that could provide a full refund of paid premiums if your policy is unused at the end of the term.
Start saving for college early
The cost of college along with student loan interest rates has been increasing for decades. No matter where your kids plan on attending school, you’ll likely face a hefty tuition bill if you choose to financially support your children in their academic careers.
Getting a life insurance policy with a cash value component can help you grow cash savings over the years. When you’re ready, you can access the cash value of the policy to help pay for college tuition. This could save your children from having to apply for scholarships, work through school or get student loans.
How life insurance works
Life insurance premium prices are based on your age and health at the time you apply for coverage. On your insurance application, you will need to provide some basic health information, including any past diagnoses.
Policy prices get more expensive for older individuals, so it’s best to secure a policy while you’re young and healthy.
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How Life Insurance Can Make Parenting Easier
Posted by Daftar Alamat Lengkap on Sabtu, 01 Januari 2022
In the MotoGP event, all kinds of MotoGP motorcycle accessories are sent by plane from one track to another.
Each race starts the MotoGP team crew will need to open the shipping package for their motorbikes and team equipment.
Likewise, if the race is over, all MotoGP teams will put them back into crates to be sent to other tracks until the racing season ends.
Almost all components are shipped by air, while flammable components are shipped by ship.
but what if the plane had an unexpected event?
all of the material sent contains a lot of equipment that is still in the form of a prototype and is very confidential to each team.
You could even say the components in a MotoGP bike are priceless.
Of course, if it happened, it would be very detrimental to the team and the manufacturer concerned
from there we know that the MotoGP event is not as simple as we think and it costs a lot of money.
Im4U Januari 01, 2022 New Google SEO Bandung, Indonesia
Your hobby is traveling? Did you know that you now have Travel Insurance? There are many websites that provide online ticket booking services that provide travel insurance. who often travel and buy tickets online on the website, the company offers to buy travel insurance.
He admits that he likes traveling, but he doesn't know about travel insurance. Want a business trip or vacation like we want a safe, safe, and calm trip when traveling. For those of you who feel that travel insurance is not important, let's examine it together first.
Travel insurance is one type of insurance that provides protection while we travel both domestically and abroad. So you can still travel in peace. Especially in an uncertain pandemic situation like today. I bought tickets in advance until the destination country got sick, or even worse, the trip had to be canceled for one reason or another at the destination. at least, if you have travel insurance, you don't need to cry too much because too much money is not sacrificed.
Some people may be unfamiliar with travel insurance, but some countries in the world have even required travelers or newcomers to have travel insurance, for example, countries in Europe and America. This travel insurance is not expensive, my friend, when compared to the total price of the trip and the benefits that you can get, are only a fraction. It's still more expensive a cup of coffee that you buy at or at the station. The premium is relatively low, there are insurance companies that offer premiums starting from Rp. 15,000, varying depending on the desired coverage, length of trip and purpose of the trip.
What are the benefits of travel insurance? Basically, travel insurance offers benefits in the form of coverage for tourists' medical expenses during the trip. However, if it is still not enough, there are several additional premiums that can be chosen for protection. For example, delays/lost baggage, delays in travel schedules to flights, to protection against time if you leave the house for a long time.
In travel insurance, there are generally two types of insurance offered, the first is a one-trip program that can guarantee one trip for a certain period of time (usually it will cover a maximum of 180 days per trip). There is also an annual program, namely an insurance program that can guarantee each trip a maximum of 90 (ninety) days/ trips throughout the year. Again, the premiums and dependents you get vary depending on the company and the package we choose.
However, please note that there are things that become the cost of travel insurance, for example if a country that is not safe or has received an announcement from the government as a country that is not appropriate to visit, either due to natural disasters or disasters.
So, in order to apply for/have this travel insurance, in general, there are several conditions you must fulfill:
Insurance application form
Photocopy of passport (for overseas travel)
Age limit 1-80 years old
The process of developing funds or using insurance is divided into two schemes. The first scheme, if the insurance company is included in the provider worldwide. For example, if you have an accident at your destination, you just need to show the insurance to the hospital. But not all insurance companies provide this. The second scheme, if you have an accident at your destination, you can get treatment at that place first, then you can ask for a certificate from a doctor as evidence to submit a claim to the insurance company at your place of origin.
For those of you who like to travel at home and abroad, you must have travel insurance every time you go traveling. Whether it's only within the country or around Asia, we never know the risks that could come. Prepare travel insurance well in advance of traveling, don't get to your new destination to apply for insurance in vain. What you must always remember is to carefully read the policy and understand your rights and obligations before making a choice of travel insurance.
Tower Hill Home Insurance Discussion
However, the company's limited online tools make the insurance coverage purchase process more challenging compared to some of its existing competitors, which provide the ability to complete purchases entirely online. People considering buying coverage from Tower Hill almost always have to work with an agent or broker to get a quote or buy a policy.
There is a fairly wide range of coverage options for Tower Hill, meaning that anyone who buys insurance is likely to find the different types of coverage they need from a company. In addition to the usual home insurance offerings, such as coverage for your home structure and possessions, companies have a variety of policies available that can complement traditional home insurance (HO-3).
This includes flood insurance and the higher levels of coverage available for high-value homes, as well as special coverage for renters, landlords, and owners of condominiums and mobile homes. The company, however, does not provide auto insurance.
Insurance rates from Tower Hill are generally cheaper than competing Florida home insurance companies. Additionally, the company receives slightly better-than-average reviews for its customer service among Florida insurance companies.
The most common issues cited in complaints related to the claims department, particularly the number of unsatisfactory settlements and claim denials.
Of great importance to Florida, homeownersare Tower Hill's ability to respond to storms. As a Florida specialty insurance company, Tower Hill has experience handling hurricane claims.
For example, some customers note that insurance agents or the company's claims department reach out both before and after a major storm to help with claims. However, it should be noted that financial rating service AM Best does have some level of concern about whether continuing large-scale disasters, such as Hurricane Irma and Hurricane Florence in 2017 and 2018, could put Tower Hill in financial jeopardy.
Bottom line: Tower Hill is a solid, affordable option for homeowners looking for a one-stop-shop for homeowners and flood insurance. But buyers should be prepared to work with insurance agents to get a quote because Tower Hill's online tool is lackluster.
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