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principle of indemnity states that the insured cannot gain from making an insurance claim
principle of contribution if a risk is insured by two or more imsurance companies, any compensation payable will be shared between the companies
principle of subrogation passes the legal right of the insured to recover any loss suffered over to the insurer
actuary the insurance person who calculates the premium to be paid
policy document an insurance document that gives full detail of the cover being given
assesor the person who calculates the compensation to be paid
underinsurance if something is not insured for its full market value, then the compensation paid in the event of a partial loss is scaled down accordingly, e.g. if a house valued at 200,000 is insured for 100,000 is only insured for half its value
excess clause where the insured, in return for a reduction in the
Created by: renee19