"Days of contingency situation," a hurricane or an earthquake, destroying 10 million housing and housing in many ordinary families may be the most valuable asset. German sound real estate insurance system, so that the owner is able to "affected not damaged."
Germany's well-known real estate credit risk analyst at Bank A Ruier bank said Hao Peng told reporters: "In simple terms, Germany's basic property insurance, is to re-build the house Discard it." In the event of accidents, insurance The amount paid by the company to ensure that in the same place built a new house. Regardless of the damage to housing and how the old facilities, insurance companies should be compensation in accordance with the price of new houses.
In order to ensure the "inverted Erfu from", whether the accounting required to pay the premium or the payment of post-disaster, "recycling prices," the German insurance become the basis for calculation. It does not include the premium, but also different from the owner to buy when the price of housing or damage to the market price, such as former Housing. German real estate insurance laws and regulations in its calculation of a clear, professional assessment of the division for evaluation.
According to the German-ho, an insurance broker at the company's Huang Xiaolu, the process of dealing with disaster housing the many related costs, but also within the scope of protection and indemnity. For example, site clean-up costs, damage assessment fees, removal costs, on-site protection fees, impairment costs and other measures, as well as in the construction of new homes during the owner of the hotel accommodation costs and even loss of rent, insurance companies are responsible for payment.
Germany is responsible for the insurance claims of a wide range, including a fire, flood, hurricanes, earthquakes, lightning, hail and other common natural disasters. Germany in particular hurricane disasters one after another in recent years, insurance companies often paid the amount of over 1 billion U.S. dollars each. Last year, "Ji Lier," the aftermath of the hurricane, the German insurance company for payment of the amount of 2 billion euros.
However, the German owner of the insurance premiums paid by and not expensive. According to Hao Peng, although the housing and different types of insurance premium calculation standards rather complicated, but on the whole the average family annual premium is about housing, "Price recycling" of about five thousandths. For example, he is living in a house of 100 square meters a year to pay the premium of about 120 euros.
In Germany, the insurance is not mandatory, by the owners to decide whether self-insured, but most choose to buy the German landlord insurance. In addition, through a bank loan to buy or build the houses, banks generally require the owner to-be. At present, Germany has the majority of the housing insurance, even after major disasters, Germany families can achieve the "post-disaster not damaged."
According to Huang Xiaolu, the German insurance has exclusions, such as by the insured losses caused by serious dereliction of duty, and so on. This is a most controversial issue. According to Germany the previous insurance contract law, such a situation when the insurance company can refuse compensation. The 2008 entry into force of the new insurance contract law was more favorable to consumers changes. According to the new law, insurance companies, policyholders can only be based on the severity of dereliction of duty, and the effect of reducing the loss of compensation, but not completely Jupei.
In addition to general disaster housing accident insurance, property insurance Germany actually diverse, varied. For example, homeowners liability insurance is also a German family the necessary insurance coverage, whether it is falling from the balcony of items injured pedestrians, or the owner forget snow led to passers out of, the owner liability insurance will be responsible for compensation for the injured Medical expenses, rehabilitation costs, and the spirit of loss of fees.
German real estate insurance market developed, so that participants become German family housing essential to disaster prevention measures, in companies, schools, government and other units, especially, one of many to be learned from experience.
Germany's well-known real estate credit risk analyst at Bank A Ruier bank said Hao Peng told reporters: "In simple terms, Germany's basic property insurance, is to re-build the house Discard it." In the event of accidents, insurance The amount paid by the company to ensure that in the same place built a new house. Regardless of the damage to housing and how the old facilities, insurance companies should be compensation in accordance with the price of new houses.
In order to ensure the "inverted Erfu from", whether the accounting required to pay the premium or the payment of post-disaster, "recycling prices," the German insurance become the basis for calculation. It does not include the premium, but also different from the owner to buy when the price of housing or damage to the market price, such as former Housing. German real estate insurance laws and regulations in its calculation of a clear, professional assessment of the division for evaluation.
According to the German-ho, an insurance broker at the company's Huang Xiaolu, the process of dealing with disaster housing the many related costs, but also within the scope of protection and indemnity. For example, site clean-up costs, damage assessment fees, removal costs, on-site protection fees, impairment costs and other measures, as well as in the construction of new homes during the owner of the hotel accommodation costs and even loss of rent, insurance companies are responsible for payment.
Germany is responsible for the insurance claims of a wide range, including a fire, flood, hurricanes, earthquakes, lightning, hail and other common natural disasters. Germany in particular hurricane disasters one after another in recent years, insurance companies often paid the amount of over 1 billion U.S. dollars each. Last year, "Ji Lier," the aftermath of the hurricane, the German insurance company for payment of the amount of 2 billion euros.
However, the German owner of the insurance premiums paid by and not expensive. According to Hao Peng, although the housing and different types of insurance premium calculation standards rather complicated, but on the whole the average family annual premium is about housing, "Price recycling" of about five thousandths. For example, he is living in a house of 100 square meters a year to pay the premium of about 120 euros.
In Germany, the insurance is not mandatory, by the owners to decide whether self-insured, but most choose to buy the German landlord insurance. In addition, through a bank loan to buy or build the houses, banks generally require the owner to-be. At present, Germany has the majority of the housing insurance, even after major disasters, Germany families can achieve the "post-disaster not damaged."
According to Huang Xiaolu, the German insurance has exclusions, such as by the insured losses caused by serious dereliction of duty, and so on. This is a most controversial issue. According to Germany the previous insurance contract law, such a situation when the insurance company can refuse compensation. The 2008 entry into force of the new insurance contract law was more favorable to consumers changes. According to the new law, insurance companies, policyholders can only be based on the severity of dereliction of duty, and the effect of reducing the loss of compensation, but not completely Jupei.
In addition to general disaster housing accident insurance, property insurance Germany actually diverse, varied. For example, homeowners liability insurance is also a German family the necessary insurance coverage, whether it is falling from the balcony of items injured pedestrians, or the owner forget snow led to passers out of, the owner liability insurance will be responsible for compensation for the injured Medical expenses, rehabilitation costs, and the spirit of loss of fees.
German real estate insurance market developed, so that participants become German family housing essential to disaster prevention measures, in companies, schools, government and other units, especially, one of many to be learned from experience.
No comments:
Post a Comment