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lo stesso guanto girato al dritto e al rovescio

Glossary entry

Italian term or phrase:

Sinistro osservato per il malus

English translation:

claim recorded for no claims bonus purposes

    The asker opted for community grading. The question was closed on 2012-12-25 17:54:07 based on peer agreement (or, if there were too few peer comments, asker preference.)
Dec 21, 2012 22:35
11 yrs ago
3 viewers *
Italian term

Sinistro osservato per il malus

Italian to English Other Insurance relates to shared responsibility for an accident ' Responsabilita' paritaria'
This is from a car insurance policy and the title of this section is 'Dettaglio sinistri pagati con responsabilita' paritaria ' and then the years are listed 2008/9/10 etc. For this I am considering 'Details of insurance claims where responsibility is shared' or simply 'shared responsibility claims'. As far as I am aware , in GB either one party or the other is considered at fault after a car accident and it is not shared.


But I am stuck with (M) 'sinistro osservato per il malus' Can somebody help please???
Proposed translations (English)
4 claim recorded for no claims bonus purposes
4 claim observed for malus purposes
3 +1 Accident logged with loss of no-claims discount

Proposed translations

58 mins
Selected

claim recorded for no claims bonus purposes

This is what it must mean, although there may be a better way to word it. As for no partial liability in car accidents, I would seriously doubt that. The insurance compensation must reflect what a court would decide or indeed what a court does decide and courts do apportion blame.
Note from asker:
many thanks for your help
Something went wrong...
4 KudoZ points awarded for this answer. Comment: "Have decided to go with this as this is the purpose of the translation and the wording is spot on for British English - would be understood in UK more than the other entries"
6 hrs

claim observed for malus purposes

The insurance industry talks about observed claims, observed policyholders etc. for purposes of merit rating (i.e. bonus/malus systems).
The malus is the premium increase based on the number of accidents, while the bonus is the premium reduction due to no accident claims filed.
You'll find a lot of references to these systems if you search under bonus/malus. I've indicated a few.

casualtyactuarialsociety.com/library/astin/vol31no2/337.pdf

www.soa.org/library/journals/north-american.../naaj9801_2.p...


Reference:

http://www.actuaries.org/LIBRARY/ASTIN/vol28no2/205.pdf

http://www4.ncsu.edu/~rghammon/workshop/F12_Vukina_Moral_Hazard.pdf

Note from asker:
Many thanks
Something went wrong...
+1
13 hrs

Accident logged with loss of no-claims discount

Surely the sinistri pagati con responsabilita' paritaria is the shared-claims point and the malus point if different. It's one motorist who incurs the malus > penalty and loses the no-claims bonus.

Osservato: factored in or marked vs. objected to, perhaps.





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Note added at 14 hrs (2012-12-22 12:43:22 GMT)
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BTW, it's shared liability and not responsibility in UK motor ins.
Example sentence:

This system is also called a no-claim discount (NCD) or no-claims bonus in ... drivers to be careful and avoid accidents that would lead to the loss of bonus.

Reference:

http://en.wikipedia.org/wiki/Bonus-malus

Note from asker:
Many thanks. I have opted for 'partial liability'
Peer comment(s):
agree Claudia Luque Bedregal
1 hr
Muchisimas gracias!
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