insure sth. for not full cost

简明释义

托保非全值险

英英释义

例句

1.After evaluating my budget, I chose to insure my home for not full cost to keep my expenses low.

在评估了我的预算后，我选择以不全额保费给我的房子投保，以保持低开支。

2.I decided to insure my car for not full cost because I wanted to save some money on premiums.

我决定以不全额保费给我的车投保，因为我想节省一些保费。

3.If you insure your bike for not full cost, you might not be covered for its full value in case of theft.

如果你以不全额保费给你的自行车投保，在被盗的情况下可能无法获得全额赔偿。

4.I recommend you insure your electronics for not full cost if you're on a tight budget.

如果你的预算紧张，我建议你以不全额保费给你的电子产品投保。

5.Many people insure their belongings for not full cost to avoid high insurance rates.

许多人以不全额保费给他们的财物投保，以避免高保险费率。

作文

In today's world, many people are faced with the challenge of managing their finances effectively. One of the key aspects of financial management is insurance. Insurance serves as a safety net, providing individuals and businesses with protection against unforeseen events. However, not everyone is aware of the various ways to approach insurance, particularly when it comes to the cost associated with it. A common practice is to insure sth. for not full cost, which means to secure insurance coverage for an item or property at a value that is less than its actual worth. This strategy can be beneficial in certain circumstances, but it also comes with its own set of risks and considerations.When individuals choose to insure sth. for not full cost (即以低于实际价值的金额为某物投保), they often do so to save money on premiums. Insurance companies typically calculate premiums based on the total value of the insured item. Therefore, by opting for a lower coverage amount, policyholders can reduce their monthly or annual payments. This can be particularly appealing for those who are on a tight budget or for items that may not be worth the full amount due to depreciation.However, while saving money on premiums may seem attractive, it is crucial to consider the potential implications of this decision. If an insured item is damaged or lost, and the policyholder only has coverage for a fraction of its value, they may face significant financial losses. For example, if someone chooses to insure sth. for not full cost (即选择以不全额的方式投保) their car for $10,000 instead of its actual market value of $15,000, they would only receive $10,000 in compensation if the car were totaled in an accident. This leaves them with a $5,000 gap that they would have to cover out of pocket.Moreover, there are situations where insurance policies may require full coverage for certain items, especially high-value assets like homes or vehicles. In these cases, insure sth. for not full cost (即以不全额的方式投保) may not be an option. Lenders, for instance, may mandate that homeowners maintain insurance equal to the mortgage amount to protect their investment. Failing to comply could lead to penalties or even foreclosure in extreme cases.Another important aspect to consider is the type of insurance being purchased. For instance, health insurance often operates differently than property insurance. While one might be able to insure sth. for not full cost (即以不全额的方式投保) a car, health insurance typically requires comprehensive coverage to ensure that all medical expenses are adequately covered. Inadequate health insurance can lead to overwhelming debt in the event of a serious illness or injury.In conclusion, while the option to insure sth. for not full cost (即以不全额的方式投保) can provide short-term financial relief, it is essential to weigh the long-term consequences carefully. Individuals must assess their financial situation, the value of the items they wish to insure, and the specific requirements of their insurance policies. Ultimately, making informed choices about insurance coverage can help individuals protect their assets and avoid unnecessary financial strain in the future. The key is to find a balance between adequate coverage and affordability, ensuring that one is not left vulnerable in times of need.

在当今世界，许多人面临有效管理财务的挑战。财务管理的一个关键方面是保险。保险作为安全网，为个人和企业提供了对不可预见事件的保护。然而，并不是每个人都了解处理保险的各种方式，特别是在与保险费用相关的情况下。一种常见的做法是以低于实际价值的金额为某物投保，这意味着为某项物品或财产获得的保险覆盖额度低于其实际价值。这一策略在某些情况下可能是有益的，但也伴随着自身的一系列风险和考虑。当个人选择以低于实际价值的金额为某物投保（即以低于实际价值的金额为某物投保）时，他们通常这样做是为了节省保费。保险公司通常根据被保险物品的总价值来计算保费。因此，通过选择较低的保险金额，投保人可以减少每月或每年的支付。这对于预算紧张的人或由于折旧而可能不值全额的物品尤其具有吸引力。然而，虽然节省保费可能看起来很有吸引力，但考虑这一决定的潜在影响至关重要。如果被保险物品损坏或丢失，而投保人仅为其价值的一部分投保，他们可能会面临重大财务损失。例如，如果有人选择以低于实际价值的金额为某物投保（即选择以不全额的方式投保）他们的汽车，投保金额为10,000美元，而实际市场价值为15,000美元，那么如果汽车在事故中报废，他们只能获得10,000美元的赔偿。这使他们面临5,000美元的缺口，必须自掏腰包来弥补。此外，在某些情况下，保险政策可能要求对某些物品进行全额投保，特别是高价值资产，如房屋或车辆。在这些情况下，以低于实际价值的金额为某物投保（即以不全额的方式投保）可能不是一个选项。例如，贷款方可能要求房主保持与抵押贷款金额相等的保险，以保护他们的投资。未能遵守可能导致罚款，甚至在极端情况下导致止赎。另一个需要考虑的重要方面是所购买的保险类型。例如，健康保险的运作方式通常与财产保险不同。虽然一个人可能能够以低于实际价值的金额为某物投保（即以不全额的方式投保）一辆车，但健康保险通常要求全面覆盖，以确保所有医疗费用得到充分保障。不充分的健康保险可能导致在严重疾病或受伤的情况下产生巨额债务。总之，虽然选择以低于实际价值的金额为某物投保（即以不全额的方式投保）可以提供短期财务缓解，但仔细权衡长期后果至关重要。个人必须评估他们的财务状况、希望投保物品的价值以及其保险政策的具体要求。最终，关于保险覆盖范围做出明智的选择可以帮助个人保护其资产，并避免未来不必要的财务压力。关键是找到适当覆盖和负担能力之间的平衡，确保在需要时不会处于脆弱状态。