Lisävakuutusmenetelmä

Lisävakuutusmenetelmä refers to a method used in insurance, particularly in Finland, to handle claims when an insured event occurs. It is a way of determining the compensation amount by taking into account the value of an asset at the time of the loss, with provisions for depreciation or betterment. This method ensures that the insurance payout reflects the actual condition of the insured item at the time of the incident, rather than its original purchase price or a fixed sum.

In practice, the lisävakuutusmenetelmä might involve assessing the age and wear and tear of an item. If an item has depreciated significantly, the payout will be based on its current market value. Conversely, if improvements or upgrades have been made to the insured item, the insurance may consider these factors, potentially leading to a higher payout than if only the original value were considered. This approach aims to provide fair compensation by accounting for the dynamic nature of an asset's value over time.

The specific application and interpretation of the lisävakuutusmenetelmä can vary depending on the insurance policy terms and the type of insurance. It is often used in property insurance, vehicle insurance, and sometimes in other forms of indemnity insurance. Understanding this method is important for policyholders to comprehend how their claims will be settled and to ensure their insurance coverage adequately meets their needs.