valued policy

简明释义

定值保险单

英英释义

例句

1.The insurance company issued a valued policy to cover the art collection.

保险公司为艺术收藏品发放了一份有价值的保单。

2.In case of a total loss, a valued policy ensures that you receive the full insured amount.

在全损情况下，有价值的保单确保您获得全额保险金额。

3.He was relieved to find out that his home was protected by a valued policy against fire damage.

他松了一口气，发现他的房子受到了一份有价值的保单的火灾损害保护。

4.When he filed a claim, the valued policy made the process much easier.

当他提交索赔时，有价值的保单使过程变得简单得多。

5.The valued policy provided peace of mind during the renovation of their historic home.

在他们历史悠久的房屋翻修期间，有价值的保单带来了安心。

作文

In the world of insurance, the term valued policy refers to a type of insurance contract where the insured value is agreed upon by both the insurer and the insured at the inception of the policy. This means that in the event of a loss, the insurer will pay the agreed-upon amount, regardless of the actual cash value of the property at the time of the loss. This concept is particularly important in the realm of property insurance, where the value of items can fluctuate significantly over time. By establishing a valued policy at the beginning, both parties have a clear understanding of the financial implications should a claim arise.One of the primary advantages of a valued policy is the peace of mind it provides to the insured. Knowing that they are covered for a specific amount allows property owners to feel secure about their investments. For instance, if someone owns a valuable piece of art or an antique, they may choose to insure it with a valued policy to ensure that they receive a fair compensation in case of theft or damage. This eliminates the uncertainty that often accompanies traditional insurance policies, where payouts depend on the current market value, which can be lower than expected.Moreover, valued policies can simplify the claims process. Instead of having to negotiate the value of the loss after it occurs, the insured and the insurer can refer back to the agreed-upon amount. This not only speeds up the settlement process but also reduces the potential for disputes between the two parties. In a world where time is often equated with money, this efficiency can be invaluable.However, there are some considerations to keep in mind when opting for a valued policy. First, it is essential to evaluate the correct amount to insure the property for. If the agreed value is set too high, the insured may end up paying higher premiums than necessary. Conversely, if the value is set too low, the insured risks not receiving adequate compensation in the event of a total loss. Therefore, conducting a thorough appraisal and regularly updating the policy as values change is crucial.Additionally, valued policies are not suitable for every type of insurance. They are most commonly used for unique or hard-to-value items, such as collectibles, jewelry, or artwork. For standard household goods, a more traditional policy that covers replacement cost or actual cash value might be more appropriate. Understanding the nature of the asset being insured is key to determining whether a valued policy is the best choice.In conclusion, a valued policy offers a unique approach to insuring valuable assets, providing clarity and security for both the insurer and the insured. It simplifies the claims process and ensures that the insured receives a predetermined amount in case of loss. While there are considerations to take into account, such as ensuring the correct value is established, the benefits of peace of mind and reduced disputes make valued policies an appealing option for many individuals. As with any insurance decision, it is vital to conduct thorough research and consult with professionals to determine the best coverage for your needs.

在保险的世界里，术语valued policy指的是一种保险合同，其中被保险的价值在保单开始时由保险人和被保险人双方达成一致。这意味着在发生损失时，保险人将支付商定的金额，而不管损失时财产的实际现金价值如何。这个概念在财产保险领域尤为重要，因为物品的价值可能会随着时间显著波动。通过在一开始就建立valued policy，双方对索赔发生时的财务影响有了明确的理解。valued policy的主要优点之一是它为被保险人提供的安心感。知道他们被覆盖的特定金额使得财产所有者能够对他们的投资感到安全。例如，如果某人拥有一件有价值的艺术品或古董，他们可能会选择用valued policy对其进行投保，以确保在盗窃或损坏的情况下获得公平的赔偿。这消除了传统保险政策中常伴随的不确定性，在这种政策中，赔付取决于当前市场价值，而这可能低于预期。此外，valued policies可以简化索赔过程。被保险人在损失发生后无需再与保险人协商损失的价值，而是可以参考事先商定的金额。这不仅加快了和解过程，还减少了双方之间潜在的争议。在一个时间常常等同于金钱的世界里，这种效率是无价的。然而，在选择valued policy时需要考虑一些因素。首先，评估正确的保险金额至关重要。如果商定的价值设定过高，被保险人可能最终支付不必要的更高保费。相反，如果价值设定过低，被保险人则面临在完全损失的情况下无法获得足够赔偿的风险。因此，进行彻底的评估并根据价值变化定期更新保单至关重要。此外，valued policies并不适用于所有类型的保险。它们最常用于独特或难以评估的物品，如收藏品、珠宝或艺术品。对于标准家庭用品，更传统的替换成本或实际现金价值的保单可能更合适。了解被保险资产的性质是决定是否选择valued policy的关键。总之，valued policy为投保有价值的资产提供了一种独特的方法，为保险人和被保险人提供了清晰和安全。它简化了索赔过程，并确保被保险人在损失发生时获得预定金额。虽然在设定正确的价值等方面需要考虑，但安心感和减少争议的好处使得valued policies成为许多人吸引的选择。与任何保险决定一样，进行全面的研究并咨询专业人士以确定最适合您需求的保障至关重要。