Diferença entre seguro contra incêndio e seguro marítimo (com tabela)

Fire insurance is insurance coverage that guards against the risks of fire to your property and the losses that ordinarily arise thereafter. The cover extends to the repairs and replacements of the portions of the property that are damaged by the fire in your home. It is by far the most common form of insurance among homeowners and industrialists alike.

Seguro marítimo refers to the insurance coverage of the ships and the goods in transit. Its scope mainly stretches from the point the property is acquired to the point it is finally destined to. In many cases, this insurance touches on the carga itself and the ships at the terminals they depart and dock into.

Seguro contra incêndio vs seguro marítimo

o difference between Fire Insurance and Marine Insurance is that Fire insurance means to take an insurance policy to cover all losses that occurred due to fire. Marine insurance means to take an insurance policy for all the damage that occurred to ship or cargo.

Claim amount in fire insurance can be of actual loss or the sum insured whichever may be less, whereas, in marine insurance, it’s the price of the goods with expected profit.

Comparison Table Between Fire and Marine Insurance

Parâmetro de ComparaçãoSeguro contra fogoSeguro marítimo
ObjetivoProtege seus produtos pessoais, propriedade, casa e negócios dos perigos associados.Protege suas mercadorias durante o trânsito. Essas salvaguardas referem-se aos danos que podem surgir dos perigos do mar.
Extensão GeográficaTodas as partes em litígio no caso de seguro contra incêndio residem na mesma fronteira geográfica ou entidade.Não é incomum que a seguradora, o transportador e o fabricante das mercadorias residam em países diferentes.
CompensaçãoO seguro contra incêndio visa restaurar sua situação financeira original antes da fuga do perigo de incêndio.O seguro marítimo geralmente cuida dos lucros que você teria feito se o risco não tivesse surgido e danificado sua mercadoria.
RelevânciaRelevante para proprietários de residências, empresários, funcionários de escritórios e proprietários em geral.Relevante para comerciantes internacionais, mais ainda para aqueles que lidam e negociam no comércio de importação e exportação.
Linha do tempoUma vez que a apólice é celebrada, ela permanece em vigor até que seja anulada ou o risco segurado aconteça.A política permanece em vigor apenas enquanto as mercadorias estão em trânsito. Assim que a mercadoria chega ao destino final, a apólice é encerrada.

O que é seguro contra incêndio?

As hinted above, fire insurance is a form of insurance coverage that exists to safeguard your property from any losses or damages that arise or are brought about by the fire outbreaks. While handy and relevant for all kinds of fire-related risks, this cover excludes wars, nuclear risks, and associated perils.

Esta forma de seguro funciona em conjunto com seguro residencial. That is because it provides a mechanism through which additional cover and funding may be sought for those damages whose repair values exceed those that are set or provided for by the home insurance cover.

O que é seguro marítimo?

O seguro marítimo é uma espécie de cobertura de seguro que existe para salvaguardar a carga em trânsito, as embarcações que as transportam e as perdas e danos associados que surjam durante o transporte das referidas mercadorias de um lugar para outro.

It is mainly applicable to internal trade as most marine goods do get transported via the sea. It generally covers the losses that may arise in the course of transporting the goods.

These losses could include but not limited to the ships themselves, the cargo in transit, and the terminals from which the ships set out or dock into. Also, the cover stays in force only as long as the ship is in transit from the point of origin to the final destination.

Principais diferenças entre seguro contra incêndio e seguro marítimo

Significado

Fire insurance is a policy that aims to indemnify the insured in the event of fire damage to the property or home is sustained. Its marine insurance counterpart, on the other hand, exists to indemnify the importers and exporters of goods in case the same is damaged while in transit in the sea.

Termos

For an insured to receive compensation in the case of fire insurance, the insurable interest i.e. the item whose loss or damage would bring about financial loss, has to be in existence at the time the policy is entered into and the loss eventually occurs. As for marine insurance, this insurable interest need only to be present at the time of the loss, not when the policy is entered into.

Riscos Cobertos

The fire insurance covers those risks that arise from or are associated with fire. As such, it is narrower in scope and hence in-comprehensive in nature also. Conversely, marine insurance is broad in the sense that it covers all the risks that arise from sea perils and associated problems.

Reclamações e Compensação

These two forms of insurance are governed by diverse kinds of terms with regard to claims and compensation. In the case of fire insurance, the compensation comes in the form of the actual loss sustained or the amount insured, whichever is less than the other.

O seguro marítimo, por outro lado, atrai uma compensação que iguala o valor do custo das mercadorias e uma margem adicional de 10-15% para cuidar dos lucros esperados.

Responsabilidade moral

Before receiving any compensation in the case of fire insurance, the insurance company will first and foremost determine whether indeed the property owner had a hand in the outbreak of the fire. This stands in sharp contrast with the marine insurance which contains no clause with regards to the said responsibility on the part of the cargo owners or transporters.

Soma segurada

This is the maximum amount of money you may receive in the form of compensation in the event that the loss against which you insured your property eventually arises. In the case of fire insurance, this sum cannot exceed the value of the insurable interest.

Conforme sugerido acima, a importância segurada no caso de seguro marítimo é 10-15% maior que o valor das mercadorias em trânsito.

Escopo e Relevância

All factors considered for fire insurance is mainly relevant for private homes, offices, hotels, and businesses. Marine insurance, on the other hand, is useful for international trade and specifically those that involve some kind of marine transportation.

Litígio de disputa

If and when a dispute arises with regards to fire insurance, the arbitration of such disputes rests with the domestic or local courts of law. That is because all the parties to the disputes normally reside within the same borders.

No entanto, o caso é completamente diferente do seguro marítimo, visto que sua arbitragem é freqüentemente conduzida por tribunais internacionais devido ao caráter internacional de tal empreendimento.

Perguntas frequentes (FAQ) sobre seguro contra incêndio e seguro marítimo

O que é coberto pelo Seguro Marítimo?

O seguro marítimo cobre todos os danos que possam ocorrer devido à água na forma de qualquer calamidade natural como terremoto, ciclone ou relâmpago.

It also covers any damage caused by man-made activities like theft, violence or piracy of ships. It basically covers the damage or loss that is caused to ships, terminals, cargo, or any other type of transport that is used to hold or transfer goods from one destination to another.

O que é coberto pelo seguro contra incêndio?

Danos por incêndio cobrem qualquer dano ou perda à propriedade causado por incêndio. Isso pode incluir festa de casa ou escritório, utensílios domésticos, bens, etc.

Fire insurance assures the policyholder an amount to repair the damage caused by fire to the policy holder’s property. The amount can be used to repair the damage, reconstruction or replacement of the damaged goods. In certain circumstances, ACV or the actual cash value of the damaged goods is provided to the policyholder.

O seguro contra incêndio é o mesmo que o seguro residencial?

Fire insurance covers all or any damage caused by fire to a policy holder’s property. Home insurance also covers the damage caused by fire (covers any type of damage to the home property) but the claim amount is usually low for fire damage in home insurance.

Para obter uma melhor indenização, deve-se optar pelo seguro contra incêndio. Conseqüentemente, seguro contra incêndio e seguro residencial não são os mesmos.

O que não está coberto pelo seguro marítimo?

Marine insurance does not cover any damage that is caused intentionally or due to negligence. Loss or damage that is occurred because of improper packing or poor handling of goods is not considered under marine insurance.

O que não está coberto pelo seguro contra incêndio?

Fire insurance does not cover any loss or damage caused by the invasion, civil commotion, war, mutiny, etc. It also does not cover any damage that is caused by someone intentionally or caused due to the negligence of someone.

Se houver tumultos acontecendo e um incendiário colocar fogo em sua propriedade, você não poderá reivindicar nenhum dinheiro.

Conclusão

Well, now you know the differences between the fire and marine insurance. Having known these differences, we are now truly confident that you have the expertise you need to choose the most appropriate one for your course well.

Por que você não vai em frente agora e garantir sua propriedade ou negócio está bem?

Referências

  1. https://www.cii.co.uk/media/6559355/hkd_iti_syllabus_2015_v1.pdf
  2. https://ecommons.cornell.edu/bitstream/handle/1813/9062/TR001178.pdf;sequence=1
  3. https://nios.ac.in/media/documents/VocInsServices/m4-1f.pdf

3 comentários em “Difference Between Fire Insurance and Marine Insurance (With Table)”

  1. Eu também tive uma confusão entre os dois. agora, depois de ler isso, meus conceitos estão claros. Obrigado por compartilhar esses pontos.

    1. Obrigado, sempre nos esforçamos para fornecer o melhor conteúdo sobre as diferenças e comparações

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