Glossary entry (derived from question below)
Portuguese term or phrase:
Seguro em regime de prêmio variável por sinistro
English translation:
variable premium insurance policy
Added to glossary by
Mario Freitas
Aug 25, 2019 21:33
4 yrs ago
8 viewers *
Portuguese term
Translations by lawyers for lawyers
Native in: English 
Works in: Portuguese to English, English
Seguro em regime de prémio variável por sinistro
Portuguese to English
Bus/Financial
Insurance
Source text: Seguro em regime de prémio variável por sinistro (regime de agravamento carro a carro) - por veículo, efetuado o agravamento do prémio no segundo mês seguinte ao do sinistro com responsabilidade, com base no seguinte critério:
The source text is from a Vehicle Leasing Master Agreement.
References please.
The source text is from a Vehicle Leasing Master Agreement.
References please.
Proposed translations
(English)
| 3 +1 | variable premium insurance policy |
Mario Freitas
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| 4 | Pool car (vehicle fleet) floating insurance |
Adrian MM.
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| 3 -1 | insurance with premium adjustable per incident / accident |
Oliver Simões
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Change log
Sep 5, 2019 15:26: Mario Freitas Created KOG entry
Sep 13, 2019 01:56: Mario Freitas changed "Field" from "Other" to "Bus/Financial"
Proposed translations
+1
1 hr
Mario Freitas
Brazil
Brazil
Native in Portuguese
&
English
Works in field
Brazil
32 years engineering/law/contracts
Native in: English (Variant: US) 
, Portuguese (Variant: Brazilian)
Works in: English to Portuguese, Portuguese to English
Related KudoZ points
:
93
Selected
variable premium insurance policy
Note from asker:
| Pois :) |
Peer comment(s):
| agree |
Clauwolf
: matou a pau, mas se vai levar é outra coisa neste site:)
12 hrs
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Exatamente, Claus. Certas preferências pessoais falam mais alto por aqui. Por isto eu tenho tantos "entries" no meu glossário pessoal. Sempre corrigindo as falhas nas escolhas para o bem de quem pesquisa. Abraço!
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4 KudoZ points awarded for this answer.
11 hrs
Adrian MM.
Austria
Austria
Native in English
Specializes in field
Austria
Retd.T&I, Barrister & Austro-Advokat
Native in: English (Variants: British, Scottish)
Works in: Spanish to English, English to Spanish, French to English, and 5 more.
Related KudoZ points
:
4
Pool car (vehicle fleet) floating insurance
The asker has 'stolen' my fleet ins. thunder and (not meant as a 'wind-up') taken the motoring wind from my sails.
Floating subsumes a variable premium and fleet or car pool that vehicles can be added or subtracted. How this impinges on UK pool tax allowances is on of no concern to us here.
Alas, on an unfamiliar computer, I am unable to post any refs,
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Note added at 11 hrs (2019-08-26 09:29:15 GMT)
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1. Yes, pool means any number of drivers whilst fleet can broaden out to non/motor vehicles e.g. ships and aircraft 2. yes to (iii) - poliza flotante in ESP 3. floating pool-car (pls. Google) policy on a claims-made basis.
Floating subsumes a variable premium and fleet or car pool that vehicles can be added or subtracted. How this impinges on UK pool tax allowances is on of no concern to us here.
Alas, on an unfamiliar computer, I am unable to post any refs,
--------------------------------------------------
Note added at 11 hrs (2019-08-26 09:29:15 GMT)
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1. Yes, pool means any number of drivers whilst fleet can broaden out to non/motor vehicles e.g. ships and aircraft 2. yes to (iii) - poliza flotante in ESP 3. floating pool-car (pls. Google) policy on a claims-made basis.
Note from asker:
| 1. Doesn´t pool mean that a single vehicle is driven by anyone in a class of permitted drivers? 2. What does floating refer to in your answer? Is is (i) the premium, (ii) the cover transferred from car to car or (iii) is it another word for pool? |
-1
17 hrs
Oliver Simões
United States
United States
Native in Portuguese
United States
BA in Transl., MA in ESL, 15 yrs of exp.
Native in: Portuguese
Works in: English to Portuguese, Portuguese to English, Spanish to Portuguese, and 2 more.
Related KudoZ points
:
8
insurance with premium adjustable per incident / accident
"A Flexible Premium Adjustable Life policy allows the owner to vary the amount and/or timing of premium payments and may allow the owner to adjust the amount of insurance." -https://www.insurancecompact.org/rulemaking_records/141204_a...
sinistro: acidente; dano em qualquer bem segurado
http://www.aulete.com.br/sinistro
In this particular case, I understand the premium is adjustable on a "per incident" / "per accident" basis.
"Since the beginning of the liability business companies have insured against <em>accident</em>, but they have never succeeded in precisely defining the term. Courts have tackled the job from time to time with varying results, so that situations have inevitably arisen in which insurers intended that a limit apply only once, but courts have found two or more accidents.
The term <em>incident</em> is no more susceptible to definition than <em>accident</em>, and in fact some nuclear exposures can be so sneaky that they compound the difficulty. To have issued pool policies on an incident basis would have been an invitation to doubling up of Iimits, and the firm intention to avoid this is the prime reason for the employment of
a single policy aggregate for bodily injury and property damage combined. " - https://www.casact.org/pubs/proceed/proceed59/59023.pdf
Alternate wording: premium adjustable (per incident / accident) insurance
sinistro: acidente; dano em qualquer bem segurado
http://www.aulete.com.br/sinistro
In this particular case, I understand the premium is adjustable on a "per incident" / "per accident" basis.
"Since the beginning of the liability business companies have insured against <em>accident</em>, but they have never succeeded in precisely defining the term. Courts have tackled the job from time to time with varying results, so that situations have inevitably arisen in which insurers intended that a limit apply only once, but courts have found two or more accidents.
The term <em>incident</em> is no more susceptible to definition than <em>accident</em>, and in fact some nuclear exposures can be so sneaky that they compound the difficulty. To have issued pool policies on an incident basis would have been an invitation to doubling up of Iimits, and the firm intention to avoid this is the prime reason for the employment of
a single policy aggregate for bodily injury and property damage combined. " - https://www.casact.org/pubs/proceed/proceed59/59023.pdf
Alternate wording: premium adjustable (per incident / accident) insurance
Note from asker:
| The language variant is PT-PT. Sinistro also means claim, in an insurance context. https://www.proz.com/kudoz/english-to-portuguese/insurance/4821070-claims.html |
Peer comment(s):
| disagree |
ulissescarvalho
: Está errada sua tradução de sinistro. Não basta olhar um dicionário. Não é assim que se traduz. Tem que analisar o significado e a melhor tradução no contexto, dentro da área de conhecimento em questão.
1 day 9 hrs
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Dispenso o seu conselho. "Sinistro" é o mesmo que acidente em PT-Br, caso não tenha percebido. É o termo usado no curso de interpretação médica que estou fazendo (e que cobre seguros). Aparentemente, os dicionários não têm ultilidade para você. Uma pena!
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Discussion
1. The Policyholder/Tomador is the vehicle leasing company;
2. The Insured/Segurado is the uber-type fleet operator/lessee
3. The policy covers all vehicles leased to the lessee under the Uber-type Master Agreement.
4. The premium paid reflects the claims history/risk of all drivers/vehicles leased and the economies of scale involved in administration. The policy stipulates % premium increases according to 1st, 2nd, 3rd, 4th, etc., claims irrespective of the amount of the claim.
I still think the target term is fleet insurance but am still unsure whether any further qualification/details are required.
I must otherwise be at one with Mark in that a 'variable premium' strikes me as otiose, as ins. premiums by definition are rarely fixed and 'level' year in and year out.
Em inglês, na área de seguros, deve ser "claim" e não "accident".
Priberam: https://dicionario.priberam.org/sinistro
Aulete: http://www.aulete.com.br/sinistro
My "claim" (not pun intended) is corroborated by this reference. https://quizlet.com/400460147/l3-portuguese-core-glossary-fl...
Not to mention that the source itself is very clear: "agravamento carro a carro". To me, this means the severity of the damages in each <em>accident</em>. But anyway, IMHO it's useless to get into further ado trying to prove that 2 and 2 are four. Cheers to all.
https://www.acorninsure.co.uk/taxi-insurance/taxi-fleet-insu...
However, the standard name for this type of insurance policy in English is "variable premium (type) insurance policy". It seems the only factor that could make the premium vary would be the type and circumsances of the claim, so they don't mention it in the name. I could be wrong, of course, but in my research I found no references to "claim" in the name of the insurance type. So I didn't add that.
Assim o sinistro é "o acontecimento danoso e futuro contra risco assumido e cujo sucesso investe o segurado do direito de exigir a indenização prometida na apólice"
(M. I. Carvalho de Mendonça; Dir. Civil Brás., nº 303).
1. The Policyholder/Insured is the vehicle leasing company;
2. The policy covers all vehicles leased to the lessee under the Uber-type Master Agreement.
3. As the overall premium paid reflects the historic claims risk of all vehicles leased and the economies of scale.
I think the target term may be fleet insurance:
"Fleet Insurance is a single insurance coverage that a company buys to cover all of its vehicles. Premiums are usually calculated on the basis of historic claims or a straight discount allowed for the reduced administration costs in combining several policies into one. "
https://definitions.uslegal.com/f/fleet-policy-insurance/