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Insurance – Lecture 1,[object Object],Mark Griffin ,[object Object]
Insurance,[object Object],Lecture 1,[object Object],Why is there a need for insurance.,[object Object],What are the main aims of Insurance,[object Object],Risks that are not Insurable,[object Object]
Why is there a need for Insurance?,[object Object],The contract of insurance was developed by the,[object Object],commercial world.,[object Object],Offset the loss individuals and businesses may suffer through the occurrence of an unforeseen event.,[object Object]
Insurance – Lecture 1,[object Object],A contract of insurance may be in any form such as a deed, in writing or verbal.,[object Object],In practice, such a contract is in the form of a ‘policy’ a written document. Stating the terms of the contract.,[object Object]
Types of Policies ‘In General’,[object Object],Life Assurance,[object Object],Liability Insurance,[object Object]
Insurance  - Lecture 1,[object Object],Life Assurance – insures against an event which must happen – i.e. Death.,[object Object],Liability Insurance –insures against an event or events which may happen.,[object Object]
Insurance  - Lecture 1,[object Object],[object Object],[object Object]
In return for a fee (‘Premium’) the individual or business will be insured against the risk specified.,[object Object]
The Insured
Premium

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Lecture1.Insurance