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règle proportionnelle de capitaux

English translation: average

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
French term or phrase:règle proportionnelle de capitaux
English translation:average
Entered by: Michael GREEN

10:20 Jan 6, 2013
French to English translations [PRO]
Bus/Financial - Insurance
French term or phrase: règle proportionnelle de capitaux
This is in an insurance manual I am translating (for a multinational based in France; target language EN UK).
The term "règle proportionnelle" has already cropped up as a Kudoz question (eg http://www.proz.com/kudoz/1061338, where contributory negligence is involved), but I have doubts about the "de capitaux" bit in the present case.
The full text is as follows:
"La ***règle proportionnelle de capitaux*** est entièrement abrogée pour l'ensemble des garanties de la police.
Cela signifie en pratique que l’Assureur ne pourra pas réduire l’indemnité due en cas de sinistre en raison d’une éventuelle sous-évaluation des capitaux, pour autant que la sous-évaluation ait été de bonne foi.
Il convient donc de procéder à une déclaration des valeurs aussi proche de la réalité du risque que possible et s’assurer notamment que les valeurs Bâtiments et Contenu soient bien déclarées en valeur à neuf."
This seems to be a different notion than "contributory negligence", or am I missing the point entirely?
Many thanks for any suggestions.
Michael GREEN
France
Local time: 00:43
average
Explanation:
This is one of the six elements of insurance, explained quite well here: http://en.wikipedia.org/wiki/Condition_of_average

Ref: 20 years' experience in international insurance before becoming a freelance translator.
Selected response from:

Paul Stevens
Local time: 23:43
Grading comment
20 years' internatioanl experience carries the day - but many thanks to all!
4 KudoZ points were awarded for this answer



Summary of answers provided
5 +3average
Paul Stevens
4Condition of average (also called underinsurance[1] in the U.S., or principal of average,[2] subject
SafeTex
4average rule as applicable to the sums insured
Adrian MM. (X)
4 -1Proportional rule of capital
Salih YILDIRIM


  

Answers


13 mins   confidence: Answerer confidence 5/5 peer agreement (net): +3
average


Explanation:
This is one of the six elements of insurance, explained quite well here: http://en.wikipedia.org/wiki/Condition_of_average

Ref: 20 years' experience in international insurance before becoming a freelance translator.

Paul Stevens
Local time: 23:43
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 130
Grading comment
20 years' internatioanl experience carries the day - but many thanks to all!
Notes to answerer
Asker: Thank you Paul. It's comforting to have input from a specialist. Some of these Insurance terms appear quite esoteric to laymen. I'mm wait the usual 24 hours, but I don't expect any alternative suggestions will be posted. I'm only doing this job to help a customer .... ma bonté me perdra ...

Asker: Thank you again, Paul, and all other contributors. For clarity (but perhaps unneccessarily) I used "average rule" in my text.


Peer comments on this answer (and responses from the answerer)
agree  Neil Crockford
1 hr
  -> Many thanks, Neil
agree  CHAKIB ROULA (X): Definitely agree
3 hrs
  -> Many thanks
agree  writeaway: confirmation from 2 specialists-you and Mr Crockford.
4 hrs
  -> Many thanks, writeaway
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18 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5
Condition of average (also called underinsurance[1] in the U.S., or principal of average,[2] subject


Explanation:
Please see reference


    Reference: http://en.wikipedia.org/wiki/Condition_of_average
SafeTex
France
Local time: 00:43
Native speaker of: Native in EnglishEnglish
PRO pts in category: 18
Notes to answerer
Asker: Thank you. I was typing my comment to Paul when yours was posted - and it confirms his input. Thank you both!

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5 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
average rule as applicable to the sums insured


Explanation:
The question asks about the 'de capitaux' part. The first average (clause) part is already in the glossaries.






Example sentence(s):
  • Your VAT status also affects the sums insured for your practice contents and equipment with the same average rule applying www.medifinancial.co.uk/news.aspx

    Reference: http://www.proz.com/kudoz/french_to_english/insurance/864853...
Adrian MM. (X)
Local time: 00:43
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 66
Login to enter a peer comment (or grade)

1 day 8 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): -1
Proportional rule of capital


Explanation:
Imho

Salih YILDIRIM
United States
Local time: 18:43
Native speaker of: Native in TurkishTurkish

Peer comments on this answer (and responses from the answerer)
disagree  Kim Metzger: Google translate is highly unreliable. http://translate.google.com/#fr/en/règle proportionnelle de ...
3 mins
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