Insurance method
First Claim
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1. / An insurance method comprising the following steps:
- establishing a contract between a client to be insured and an insurer ready to insure the client against possible claims, in which contract the client pays the insurer an initial sum covering at least the costs of insurance over a predetermined duration;
investing at least a portion of said initial sum so that the invested sum earns income; and
at the end of the said predetermined duration, reimbursing the client with a sum that is a function of the income earned by the investment made by the insurer and of the claims the insurer has had to indemnify during said predetermined duration.
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Abstract
An insurance method comprising the following steps:
establishing a contract between a client to be insured and an insurer ready to insure the client against possible claims, in which contract the client pays the insurer an initial sum covering at least the costs of insurance over a predetermined duration;
investing at least a portion of said initial sum so that the invested sum earns income; and
at the end of the said predetermined duration, reimbursing the client with a sum that is a function of the income earned by the investment made by the insurer and of the claims the insurer has had to indemnify during said predetermined duration.
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Citations
23 Claims
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1. / An insurance method comprising the following steps:
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establishing a contract between a client to be insured and an insurer ready to insure the client against possible claims, in which contract the client pays the insurer an initial sum covering at least the costs of insurance over a predetermined duration;
investing at least a portion of said initial sum so that the invested sum earns income; and
at the end of the said predetermined duration, reimbursing the client with a sum that is a function of the income earned by the investment made by the insurer and of the claims the insurer has had to indemnify during said predetermined duration. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 19)
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18. / A method of insuring apparatus for locomotion on land, in the air, or at sea, the method comprising the following steps:
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a) paying to the insurer in addition to the purchase or rental of the vehicle, a sum that is greater than or equal to the cost of insurance during a predetermined period;
b) investing at least a fraction of the sum paid by the client in an investment selected so that the income earned by the investment compensates for the cost of insurance in the absence of a claim; and
c) returning to the client, in the absence of a claim, and at the end of said predetermined period, at least said initial sum.
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22. / A system for issuing an insurance policy, the system comprising:
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means for inputting the duration of the contracts means for inputting the nature of the property to be insured;
means for calculating, where appropriate, the total of the premiums due during the duration of the contract, as a function of the nature of the property to be insured;
means for inputting the amount of an initial sum paid by a client;
means for delivering information relating to the earnings that can be made to the advantage of the client by an investment relating to at least a fraction of the initial sum and made by the insurer; and
means for printing an insurance policy including at least the duration of the contract, the amount of the initial sum paid by the client, the nature of the property, and information relating to the income that can be earned by said investment. - View Dependent Claims (20, 21)
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23. / An insurance policy comprising:
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a contract duration;
the amount of an initial sum paid by the client;
the nature of the property insured; and
information relating to the income that can be earned to the benefit of the client by an investment relating to at least a fraction of the initial sum paid by the client.
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Specification