Sep 13, 2019 14:14
4 yrs ago
3 viewers *
German term

Schadenfallkündigungen

German to English Law/Patents Insurance
Bei der Abgabe einer Empfehlung sind neben der Höhe der Versicherungsprämie und des Deckungsumfangs auch andere Kriterien, wie etwa die Fachkompetenz des Versicherungsunternehmens, seine Gestion bei der Schadensabwicklung, Vertragslaufzeiten, die Möglichkeit von Schadenfallkündigungen und die Höhe des Selbstbehalts zur Beurteilung als Beurteilungskriterien heranzuziehen.

Discussion

Chris Pr Sep 14, 2019:
Just to clarify a little. All three entries to date are technically correct, no question about that.
But the aim here is to provide a term that will *reasonably fit* into the sample sentenced provided.
Taking an already long German sentence and doubling it's length in the English translation will not be the goal of the respective OP.
Peers voting for and against often seem to steadfastly overlook this decisive criterion.
Ramey Rieger (X) Sep 13, 2019:
Hi Jonathan I'm going to post this here as I have little experience in the field. Seems logical, though: damage claim dismissals/withdrawals - meaning the insurance company rejects the claim. I do believe it's SchadenSfallkündigung.

Proposed translations

+4
1 hr
Selected

cancellation following a claim

This refers to the insurance company cancelling your policy after you file a claim.
I know because it has happened to me. :-)
Peer comment(s):

agree Barbara Schmidt, M.A. (X) : agree - Sorry to hear this, Darin! Must be awful
12 mins
Oh, not so bad in Germany. I found a dozen other companies who were happy to take up my policy. And the cancellation was effective at the end of the contract period, not immediately.
agree AllegroTrans
19 mins
Thanks!
agree writeaway
6 hrs
Danke!
agree Chris Pr : Agree here because the entry needs to *reasonably fit* into the example sentence quoted by the OP.
7 hrs
Thanks for pointing this out.
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4 KudoZ points awarded for this answer.
+4
1 hr

termination of an insurance contract after an insured event

Juristisch betrachtet ist der Vertrag zwischen Versicherungsnehmer und Versicherung ein „freiwilliges Geschäft auf Gegenseitigkeit“. So können Versicherungsunternehmen ihren Kunden unter gewissen Voraussetzungen kündigen, wenn der Versicherungsvertrag aus Sicht des Versicherers wirtschaftlich nicht mehr rentabel ist. Eine dieser Voraussetzungen wäre die so genannte Schadensfallkündigung. Diese ermöglicht laut §92 des Versicherungsvertragsgesetzes (VVG) dem Versicherer, den Vertrag innerhalb einer bestimmten Frist nach Schadenseintritt zu kündigen. Auch bei Beitragsrückständen kann der Versicherer unter Berücksichtigung bestimmter Fristen die Kündigung aussprechen. https://www.finanzchef24.de/wissen/versicherungsratgeber/kue...

§ 92
Kündigung nach Versicherungsfall
https://dejure.org/gesetze/VVG/92.html

Section 92 Termination of the contract after an insured event
(1) After the occurrence of the insured event each party may terminate the insurance agreement.
(2) The termination shall only be permissible up until the end of one month after the conclusion of negotiations in respect of the compensation. The insurer shall keep a one month period of notice. The policyholder may not terminate the contract for a later point in time than the end of the current period of insurance.
(3) In the case of hail insurance, the insurer may only terminate the contract to the end of the period of insurance in which the insured event occurred. If the policyholder terminates the contract to an earlier point in time than the end of that period of insurance, the insurer is nevertheless entitled to the premium for the current period of insurance. https://germanlawarchive.iuscomp.org/?p=861#95

Peer comment(s):

agree Barbara Schmidt, M.A. (X) : agree
16 mins
agree philgoddard
19 mins
agree Daniel Arnold (X)
27 mins
agree writeaway
3 hrs
neutral Chris Pr : Technically correct, but *does not* fit in the sample sentence!
7 hrs
... such as the possibility of terminating insurance contracts after an insured event
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2 days 3 hrs

Termination After Event of Loss

After the occurrence of a claim in the fire, hail and liability insurance, both the insurer and the policyholder can terminate the contract subject to certain notice periods.
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1 hr
German term (edited): Schadenfallkündigung(en)

post-claim notice(s) to cancel the insurance

- and given either by the policy-holder (may be the insured or not) or the ins. co.

Contrast a Schaden(s)fallmeldung as a report or notification of loss.

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Note added at 4 days (2019-09-18 08:52:56 GMT) Post-grading
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NB Schadenfallkündigung am Tag X */ post-claim notice given on immediate date X - zum Tag Y/ to cancel on future date Y.
Example sentence:

One of the biggest complaints I hear from homeowners after suffering a property insurance loss emerges out of the insurer’s “cancellation” or failure to renew the policy after the loss occurs.

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