Average Clause ( Motor Insurance )
Klausa Purata ( Insurans Motor ) / 平均条款（汽车保险）
Answer Bot
Last Update 5 years ago
Question :
What is Average Clause?
Answer :
In the event of loss, if sum insured of your policy is estimated less than market value, the final compensation might be adjusted proportionally. In other words, you are considered self-insuring the difference in between market value and sum insured.
Under such circumstance, ‘average’ clause of policy contract will be applied. However, this condition could only take effect when under-insured amount ( market value – sum assured ) is above 10% of market value.
Example
Market Value = RM100,000
Sum Insured = RM 80,000
Loss = RM 5,000
Note :
Under-insured amount = Market Value – Sum Insured
= RM20,000 ( above 10% of market value )
Hence, ‘average’ clause is applied.
Payable claim =
Sum Insured
------------------- x Loss =
Market Value
RM80,000
--------------- x RM5,000 = RM4,000
RM100,000
The loss is compensated up to RM4,000 only, and the balance is borne by YOURSELF, because of under-insurance amount has exceeded 10% of market value.
Soalan :
Apakah itu Klausa Purata ( average clause )?
Jawapan:
Sekiranya berlaku kerugian, jika jumlah diinsuranskan polisi anda dianggarkan kurang daripada nilai pasaran, pampasan akhir mungkin diselaraskan secara berkadar. Dalam erti kata lain, anda dianggap menginsuranskan sendiri bagi perbezaan antara nilai pasaran dan jumlah diinsuranskan.
Dalam keadaan sedemikian, klausa 'purata' kontrak polisi akan digunakan. Walau bagaimanapun, syarat ini hanya boleh berkuat kuasa apabila jumlah terkurang diinsuranskan ( nilai pasaran – jumlah diinsuranskan ) melebihi 10% daripada nilai pasaran.
Contoh
Nilai Pasaran = RM100,000
Jumlah Diinsuranskan = RM 80,000
Rugi = RM 5,000
Catatan :
Jumlah terkurang diinsuranskan = Nilai Pasaran – Jumlah Diinsuranskan
= RM20,000 ( melebihi 10% daripada nilai pasaran )
Oleh itu, klausa 'purata' akan dilaksanakan.
Tuntutan kena bayar =
Jumlah Diinsuranskan
------------------------------- x Kerugian =
Nilai Pasaran
RM80,000
--------------- x RM5,000 = RM4,000
RM100,000
Kerugian diberi pampasan sehingga RM4,000 sahaja, dan bakinya ditanggung oleh ANDA SENDIRI, kerana jumlah insurans terkurang telah didapati melebihi 10% daripada nilai pasaran.
题 ：
什么是平均条款 ( average clause )？
回答 ：
如果发生损失，如果您的保单估计保额低于车辆市场价值，最终赔偿可能会按比例调整。换句话说，您被认为是对市场价值和保险金额之间的差异进行自我保险。
在这种情况下，将适用保单合同的“平均”条款。然而，此条件只有在保额不足（市场价值 - 保额）高于市场价值的 10% 时才会生效。
例子
市值 = RM100,000
投保额 = RM 80,000
损失 = RM 5,000
注释 ：
保额不足 = 市值 – 保额
= RM20,000 (高于市值的 10% )
因此,“平均”条款生效了。
应付索赔=
保额 RM80,000
-------- x 损失 = ------------- x RM5,000 = RM4,000
市值 RM100,000
损失只赔偿高达RM4,000，余款由您自己承担，因为欠保额已超过市场价值的10%。