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B1  ·  37 words

Insurance and provision in Italian

Policy, premium, excess, pension, cancellation — the list for the letter nobody wants to write.

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From these 37 words, as many per round as you like — up to all of them: first what is due today, then new ones. First you choose, then you fill the gap, then you write it yourself. Mistakes come back again shortly.

More about this list

Twenty-seventh on this list is l’appendice, and the English word that answers to it, « appendix », does the opposite job. An appendix is material added at the end of a document and left outside the argument: the tables at the back of a report, the schedules at the back of a lease. It never alters what came before it. Un’appendice di polizza is not an addition of that kind at all. It is a short separate paper that amends the policy itself — a new address, a raised sum insured, one car swapped for another — and once signed it overrides the wording it touches. The list gives it exactly: un’appendice cambia due righe del contratto. English insurance has its own name for this, « endorsement », and a reader who takes appendice for an appendix will file the thing instead of acting on it. One further trap, and it is grammatical: the Italian noun is feminine, so it is un’appendice with an apostrophe and le appendici in the plural.

The words

Verb (1)

stipulareto take out (a contract)VerbB1
Ha stipulato un’assicurazione sulla casa.She has taken out insurance on the house.

Phrase (4)

recedere dal contrattoto withdraw from the contractPhraseB1
Si recede dal contratto due mesi prima.You withdraw from the contract two months beforehand.
versare i contributito pay contributionsPhraseB1
Si versano i contributi per quarant’anni.Contributions are paid for forty years.
a carico dichargeable toPhraseB1
Le spese restano a carico dell’inquilino.The costs remain chargeable to the tenant.
mettere da parteto put asidePhraseB1
Metto da parte cento euro al mese.I put a hundred euros aside every month.

Noun (f) (17)

Grammar for these: Definite article: il, lo, la · Indefinite article: un, uno

la polizzathe insurance policyNoun (f)B1
La polizza sta in quattro pagine.The policy runs to four pages.
la franchigiathe excessNoun (f)B1
La franchigia resta a suo carico.The excess is yours to carry.
la clausolathe clauseNoun (f)B1
Questa clausola non comprende il furto.This clause does not cover theft.
l’esclusionethe exclusionNoun (f)B1
Le esclusioni sono scritte in piccolo.The exclusions are in the small print.
la periziathe loss surveyNoun (f)B1
La perizia si fa sul posto.The survey is done on site.
la data di scadenzathe expiry dateNoun (f)B1
La data di scadenza cade il primo aprile.The expiry date falls on the first of April.
la posta certificatathe recorded deliveryNoun (f)B1
L’avviso parte per posta certificata.The notice goes out by recorded delivery.
la liquidazione del dannothe settlement of the claimNoun (f)B1
La liquidazione del danno arriva entro tre settimane.The settlement of the claim arrives within three weeks.
la previdenzathe pension provisionNoun (f)B1
La previdenza integrativa parte a trent’anni.Additional pension provision starts at thirty.
la malattiathe illnessNoun (f)B1
La malattia dura dieci giorni.The illness lasts ten days.
l’inabilità al lavorothe incapacity for workNoun (f)B1
L’inabilità al lavoro va documentata.Incapacity for work has to be documented.
la presa in caricothe cover of the costsNoun (f)B1
La presa in carico è totale.The costs are covered in full.
l’appendicethe endorsementNoun (f)B1
Un’appendice cambia due righe del contratto.An endorsement changes two lines of the contract.
le clausole in piccolothe small printNoun (f)B1
Tutto si decide nelle clausole in piccolo.Everything is decided in the small print.
la denuncia del sinistrothe notification of a claimNoun (f)B1
La denuncia del sinistro parte entro cinque giorni.The notification of a claim goes out within five days.
la polizza casathe household policyNoun (f)B1
La polizza casa vale anche per la cantina.The household policy covers the cellar as well.
la classe di meritothe no-claims classNoun (f)B1
La classe di merito migliora ogni anno senza danni.The no-claims class improves with every year without a claim.

Noun (m) (15)

Grammar for these: Definite article: il, lo, la · Indefinite article: un, uno

l’assicuratothe policyholderNoun (m)B1
L’assicurato deve avvisare entro cinque giorni.The policyholder has to give notice within five days.
l’assicuratorethe insurerNoun (m)B1
L’assicuratore risponde per posta.The insurer replies by post.
il premio annuothe annual premiumNoun (m)B1
Il premio annuo sale del tre per cento.The annual premium is going up by three per cent.
l’indennizzothe compensation paymentNoun (m)B1
L’indennizzo arriva dopo la perizia.The compensation payment comes after the survey.
il peritothe loss adjusterNoun (m)B1
Il perito passa giovedì mattina.The loss adjuster is coming on Thursday morning.
il rinnovo tacitothe automatic renewalNoun (m)B1
Il rinnovo tacito scatta ogni anno.The automatic renewal takes effect every year.
il pagamento semestralethe half-yearly paymentNoun (m)B1
Il pagamento semestrale scade a giugno.The half-yearly payment falls due in June.
il contributothe contributionNoun (m)B1
Il contributo cambia ogni gennaio.The contribution changes every January.
il libretto di risparmiothe savings bookNoun (m)B1
Il libretto di risparmio rende pochissimo.The savings book earns next to nothing.
l’imprevistothe unexpected expenseNoun (m)B1
Questa somma è per gli imprevisti.This sum is for unexpected expenses.
il massimalethe upper limitNoun (m)B1
Il massimale è di centomila euro.The upper limit is a hundred thousand euros.
il broker assicurativothe insurance brokerNoun (m)B1
Il broker assicurativo confronta tre offerte.The insurance broker compares three offers.
il beneficiariothe beneficiaryNoun (m)B1
Il beneficiario è scritto nella polizza.The beneficiary is named in the policy.
il sinistro stradalethe road accidentNoun (m)B1
Il sinistro stradale si denuncia subito.A road accident is reported straight away.
il fondo pensionethe pension fundNoun (m)B1
Il fondo pensione si sceglie una volta sola.The pension fund is chosen only once.

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