ToolProperty risks

Underinsurance and average-clause calculator

The proportional rule of article 30 of the Insurance Contract Law reduces the compensation in the same proportion as the insured capital is less than the value of the interest. It applies to any claim, including partial ones.

Real value of the assetCost of reconstruction or replacement as new, today.Capital insured in policyThe sum declared in the specific terms and conditions.Amount of damageCost to repair or replace the damaged item in the claim.

Complete the three fields to see the result.

The calculation is indicative: it does not consider deductibles, sub-limits, waiver clauses or equity rules, which may modify the result. It serves to size the problem, not to settle a claim.

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Other working lists

ChecklistInsurance programme renewal checklistThe checks we perform before going to market, to approach renewal with documented risk and real negotiation margin.ChecklistProtocol for action in the event of a claimWhat to do, in what order and with what deadlines during the first hours. Designed to be printed and kept outside the computer.ChecklistMinimum requirements to be insurable in cyber riskWhat the market demands today before offering. It does not improve the premium: it determines whether there is an offer or not.