Japanese to English glossary of credit insurance terms

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一定条件(通常は当該保険契約における損害率)に 従い当該保険契約における利益の一定割合を被保 険者に配分することThe distribution of a percentage of the profits of the policy back to the insured according to certain conditions (usually dependent on the claim ratio of the policy).
一定条件(通常は当該保険契約における損害率)に 従い支払済み保険料の一定割合の返戻を被保険者 が受けるという合意An arrangement whereby the insured can receive back a portion of premiums paid according to certain conditions (usually dependent on the claim ratio of the policy).
保険期間中に保険金請求に相当すると認められた金 額の累積額であって、その金額までは被保険者の自己 負担となる金額。保険者はその金額を超えた部分を填 補対象とする。The total amount of approved claims during an insurance period, which are to be borne by the insured for his own account prior to indemnification by the insurer
保険金支払前後を問わず買主または第三者から受け 取った金額Proceeds received from the buyer or a third party, whether before or after a claim has been indemnified.
保険金請求Claims, indemnity
保険金請求Claim (Notice of claim)
保険金請求Notice of claim (Claim)
保険金請求権を(被保険者から)譲り受ける者Party to whom is transferred (by authorisation or the insured) the legal rights to a claim payment under a policy.
夫々の事故において被保険者の負担として損害額か ら控除されるべき金額Amount to be deducted from each claim payment to be kept for the account of the insured.
小損害免責金額Claims threshold (Non qualifying loss, Threshold)
当該保険契約における損害率に応じて保険料の減額 として被保険者に供与される一定金額や一定割合An amount or percentage provided to the insured as a reduction of premium owed, depending on the claims ratio of the policy.
待機期間Claims waiting period (Claim filing waiting period, Waiting period)
損害率Claims ratio
損害率と経費率を合算したものthe sum of claims ratio and underwriting expense ratio
支払保険金と付帯費用と信用情報費用を含む引 受経費の合算額を経過保険料と保険料関連収入の合 算額で除したものThe sum of claims payments, claims expenses and underwriting expenses, including cost for credit information, divided by the sum of earned premium and premium related revenue;
支払保険金と付帯費用の合算額を経過保険料と保険 料関連収入の合算額で除したものClaims payments and expenses divided by gross earned premium and premium related revenue.
支払期日または調停成立日を起算日とする期間であ り、その期間の満了後に保険金請求を行うことができ、 損害査定が行われる。The period, usually starting from the due date of payment or intervention order, after the expiry of which a claim may be submitted and the loss is assessed.
無事故戻し(優良戻し)No claims bonus (No claims credit, Low claims bonus)
被保険者からの保険金請求に、以下の事由を理由とし て応じない旨の保険者の決定The decision of the insurer not to accept a specific claim made by the insured due to
請求ベース保険契約Claims made policy
買主の不履行による被保険者への保険金支払に際 し、保険者が被保険者の地位に着き、その被保険者が 有している買主に対する全ての権利および救済手段 を引受けること。これらの権利や救済手段の行使によ り、保険者は、Upon payment or indemnification of a claim to the insured caused by a failure of the buyer, the insurer steps into the insured's position and assumes all rights and remedies of the insured against the buyer. By executing these rights and remedies the insurer can;

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