October 2014
Intermediate to advanced
584 pages
22h 2m
English
Content preview from Pricing in General Insurance
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The Policy Structure
The ideal insurance product, from a consumer’s point of view, would be a contract that
went something like this: ‘We agree to insure your car (or your house, or your pet, or your
company) and compensate you for whatever happens to the car and whatever damage or
injury you cause with it to a third party. We will pay the full amount whether it is 20p or
£200M (the sky’s the limit, really) under all circumstances, no questions asked’.
If you have ever gone through a policy contract, you will have noticed that it does not
quite read like that. The most notable feature of an insurance policy is perhaps that it has
many exclusions: ...
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