C1 · 50 words
Insurance in Spanish
Policy, premium, duty, recovery — the words that decide a claim.
El ramo is a branch, and Spanish takes it to three places English cannot follow all the way. On a tree it is a branch, though la rama is the commoner word there. In a flower shop it is the bouquet: un ramo de flores. And in business it is the line or the sector — el ramo de la construcción, and here the class of insurance a policy belongs to. English has « branch » for the tree and for the business and then reaches for a French loan in the florist's. Spanish keeps all three in one word, and in a report about insurance nobody has ever read el ramo as flowers.
The words
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Phrase (38)
el contrato de segurothe contract of insurancePhraseC1
El contrato de seguro se rige por una ley propia.The contract of insurance has a law of its own.
el tomador del segurothe person who takes out the policyPhraseC1
El tomador del seguro paga la prima.The person who takes out the policy pays the premium.
la prima anualthe yearly premiumPhraseC1
La prima anual subió un ocho por ciento.The yearly premium went up by eight per cent.
el recargo por riesgothe loading added for riskPhraseC1
Aplicaron un recargo por riesgo.They applied a loading for risk.
la bonificación por no siniestralidadthe no-claims discountPhraseC1
Perdió la bonificación por no siniestralidad.He lost the no-claims discount.
la suma aseguradathe sum insuredPhraseC1
La suma asegurada quedó corta.The sum insured turned out to be too low.
la regla proporcionalthe cutting of the payout in proportionPhraseC1
Aplicaron la regla proporcional.They applied the cutting of the payout in proportion.
el capital garantizadothe sum guaranteed whatever happensPhraseC1
El capital garantizado no cambia con los años.The sum guaranteed does not change over the years.
la cláusula limitativathe clause that narrows the coverPhraseC1
La cláusula limitativa exige firma aparte.The clause that narrows the cover needs a signature of its own.
la exclusión de riesgothe risk kept out of the coverPhraseC1
La exclusión de riesgo cubre el desgaste normal.The risk kept out of the cover includes ordinary wear.
el deber de declaraciónthe duty to declare what is askedPhraseC1
El deber de declaración alcanza a lo que se pregunta.The duty to declare covers what the form asks.
la ocultación de datosthe keeping back of what should be declaredPhraseC1
La ocultación de datos anula el contrato.Keeping back what should be declared voids the contract.
la agravación del riesgothe making of the risk worse afterwardsPhraseC1
La agravación del riesgo debe comunicarse.Making the risk worse afterwards has to be reported.
el cuestionario de saludthe health questionnairePhraseC1
El cuestionario de salud se rellena una sola vez.The health questionnaire is filled in once only.
la declaración del siniestrothe reporting of the lossPhraseC1
La declaración del siniestro tiene siete días.The reporting of the loss allows seven days.
el parte amistosothe accident form both drivers signPhraseC1
Rellenaron el parte amistoso en el arcén.They filled in the accident form on the hard shoulder.
el informe pericialthe report of the person assessing itPhraseC1
El informe pericial fija el valor.The report of the person assessing it fixes the value.
el valor de reposiciónthe value it costs to replacePhraseC1
Pagan el valor de reposición, no el de compra.They pay the value it costs to replace, not what it cost to buy.
el valor venalthe value it had on the dayPhraseC1
El valor venal del coche era bajo.The value the car had on the day was low.
la indemnización a tanto alzadothe payment of one agreed sumPhraseC1
Ofrecieron una indemnización a tanto alzado.They offered the payment of one agreed sum.
el pago a cuentathe payment on accountPhraseC1
Hicieron un pago a cuenta en dos semanas.They made a payment on account within two weeks.
la subrogación de derechosthe passing of the claim to the insurerPhraseC1
La subrogación de derechos pasa a la aseguradora.The passing of the claim to the insurer happens by law.
la acción de repeticiónthe claim brought back against whoever caused itPhraseC1
Ejercieron la acción de repetición contra el conductor.They brought the claim back against the driver.
la póliza colectivathe policy covering a whole groupPhraseC1
La póliza colectiva cubre a la plantilla entera.The policy covering a whole group takes in all the staff.
el seguro obligatoriothe cover required by lawPhraseC1
El seguro obligatorio cubre a terceros.The cover required by law protects third parties.
la responsabilidad civil profesionalthe professional liability coverPhraseC1
La responsabilidad civil profesional es obligatoria para él.The professional liability cover is compulsory for him.
el seguro de decesosthe funeral expenses policyPhraseC1
El seguro de decesos es habitual en España.The funeral expenses policy is common in Spain.
el seguro de impago de alquilerthe cover against unpaid rentPhraseC1
El seguro de impago de alquiler pide nóminas.The cover against unpaid rent asks for payslips.
el corredor de segurosthe broker who compares one company with anotherPhraseC1
El corredor de seguros compara varias compañías.The broker compares one company with another.
el agente exclusivothe agent selling for one company onlyPhraseC1
El agente exclusivo vende una sola marca.The agent selling for one company only sells one name.
la provisión técnicathe money set aside for claimsPhraseC1
La provisión técnica se calcula cada año.The money set aside for claims is worked out every year.
la prescripción de la acciónthe time limit after which no claim liesPhraseC1
La prescripción de la acción es de dos años.The time limit after which no claim lies is two years.
el defensor del aseguradothe ombudsman for the insuredPhraseC1
Escribió al defensor del asegurado.She wrote to the ombudsman for the insured.
la reclamación previathe complaint that has to come firstPhraseC1
La reclamación previa es requisito.The complaint that has to come first is a requirement.
el interés de demorathe interest for paying latePhraseC1
El interés de demora se aplica desde el siniestro.The interest for paying late runs from the date of the loss.
la buena fe contractualthe good faith owed by bothPhraseC1
La buena fe contractual rige en ambos lados.The good faith owed by both applies on either side.
la renovación tácitathe renewal that happens by itselfPhraseC1
La renovación tácita se evita avisando un mes antes.The renewal that happens by itself is avoided by giving a month's notice.
la baja de la pólizathe cancelling of the policyPhraseC1
La baja de la póliza se pide por escrito.The cancelling of the policy is asked for in writing.
Noun (m) (6)
el aseguradothe person insuredNoun (m)C1
La asegurada no es la tomadora.The person insured is not the one who took the policy out.
el beneficiariothe person named to be paidNoun (m)C1
El beneficiario está designado por nombre.The person named to be paid is named in full.
el infrasegurothe insuring for less than the thing is worthNoun (m)C1
El infraseguro reduce la indemnización.Insuring for less than the thing is worth cuts the payment.
el reasegurothe insurance the insurer buysNoun (m)C1
El reaseguro reparte los grandes riesgos.The insurance the insurer buys spreads the big risks.
el coasegurothe insurance shared between two insurersNoun (m)C1
El coaseguro reparte el mismo riesgo entre dos.The insurance shared between two insurers splits one risk.
el ramothe line of businessNoun (m)C1
El ramo de automóviles es el mayor.The motor line of business is the biggest.
Noun (f) (6)
la carenciathe waiting time before cover startsNoun (f)C1
La carencia es de seis meses.The waiting time before cover starts is six months.
la peritaciónthe assessing of the damageNoun (f)C1
La peritación se hizo a los tres días.The assessing of the damage was done three days later.
la depreciaciónthe fall in value with ageNoun (f)C1
La depreciación se descuenta del pago.The fall in value with age is taken off the payment.
la plantillathe staff on the booksNoun (f)C1
La plantilla creció en veinte personas.The staff on the books grew by twenty people.
la aseguradorathe insurance companyNoun (f)C1
La aseguradora respondió en un mes.The insurance company answered within a month.
la siniestralidadthe rate at which claims come inNoun (f)C1
La siniestralidad del ramo bajó.The rate at which claims come in fell for that class.
This list belongs to Money, finance and economy — 16 lists and 800 words that can also be practised as a whole.
Practise this list
From these 50 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.