{"id":136980,"date":"2018-12-05T07:54:46","date_gmt":"2018-12-05T04:54:46","guid":{"rendered":"https:\/\/www.mohamah.net\/law\/?p=136980"},"modified":"2018-12-05T07:54:46","modified_gmt":"2018-12-05T04:54:46","slug":"%d8%a3%d8%a8%d8%ad%d8%a7%d8%ab-%d9%88%d8%af%d8%b1%d8%a7%d8%b3%d8%a7%d8%aa-%d9%82%d8%a7%d9%86%d9%88%d9%86%d9%8a%d8%a9-%d8%ad%d9%88%d9%84-%d9%88%d8%ab%d9%8a%d9%82%d8%a9-%d8%aa%d8%a3%d9%85%d9%8a%d9%86","status":"publish","type":"post","link":"https:\/\/www.mohamah.net\/law\/%d8%a3%d8%a8%d8%ad%d8%a7%d8%ab-%d9%88%d8%af%d8%b1%d8%a7%d8%b3%d8%a7%d8%aa-%d9%82%d8%a7%d9%86%d9%88%d9%86%d9%8a%d8%a9-%d8%ad%d9%88%d9%84-%d9%88%d8%ab%d9%8a%d9%82%d8%a9-%d8%aa%d8%a3%d9%85%d9%8a%d9%86\/","title":{"rendered":"\u0623\u0628\u062d\u0627\u062b \u0648\u062f\u0631\u0627\u0633\u0627\u062a \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u062d\u0648\u0644 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u0627\u0626\u0642 \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0639\u0644\u064a\u0647\u0627"},"content":{"rendered":"

\u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a<\/span><\/p>\n

1 \u2013 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u062a\u0639\u0627\u0631\u064a\u0641 \u0623\u0633\u0627\u0633\u064a\u0629<\/p>\n

2- \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a<\/p>\n

3 \u2013 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062b\u0646\u0627\u0629<\/p>\n

4 \u2013 \u0645\u0643\u0648\u0646\u0627\u062a \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642<\/p>\n

5 \u2013 \u0627\u0644\u0623\u063a\u0637\u064a\u0629 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0644\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u062e\u0627\u0635\u0629<\/p>\n

6 \u2013 \u0627\u0644\u0623\u063a\u0637\u064a\u0629 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0644\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062a\u0628\u0639\u064a\u0629 \u0623\u0648 \u0627\u0644\u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629
\n7 \u2013 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0648\u0645\u0642\u064a\u0627\u0633 \u0627\u0644\u062a\u0639\u0648\u064a\u0636<\/p>\n

8 \u2013 \u0623\u0646\u0648\u0627\u0639 \u062e\u0627\u0635\u0629 \u0645\u0646 \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a<\/p>\n

9 \u2013 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0628\u0627\u0646\u064a<\/p>\n

10 \u2013 \u0645\u0635\u0637\u0644\u062d\u0627\u062a<\/p>\n

1\u0640 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642<\/span><\/p>\n

\u0648\u062b\u0627\u0626\u0642 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u062e\u062a\u0644\u0641 \u0641\u064a \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a \u0648\u0627\u0644\u0635\u064a\u0627\u063a\u0629 \u0645\u0646 \u0628\u0644\u062f \u0625\u0644\u0649 \u0628\u0644\u062f \u0648\u0645\u0646 \u0632\u0645\u0646 \u0625\u0644\u0649 \u0632\u0645\u0646 \u060c\u060c \u0644\u0630\u0627 \u0641\u0625\u0646\u0646\u0627 \u0644\u0646 \u0646\u0634\u064a\u0631 \u0625\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0645\u0639\u064a\u0646\u0629 \u0628\u0630\u0627\u062a\u0647\u0627 \u0648\u0644\u0643\u0646\u0646\u0627 \u0646\u0634\u064a\u0631 \u0625\u0644\u0649 \u0645\u0628\u0627\u062f\u0626 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u0627\u0644\u063a\u0631\u0636 \u0645\u0646 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0647\u0648 \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 (\u0627\u0644\u0647\u0644\u0627\u0643 \u0623\u0648 \u0627\u0644\u062a\u0644\u0641) Material DAMAGE \u0627\u0644\u062a\u064a \u062a\u0635\u064a\u0628 \u0645\u0645\u062a\u0644\u0643\u0627\u062a\u0647 \u0623\u062b\u0646\u0627\u0621 \u0645\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0633\u0628\u0628 \u0627\u0644\u062d\u0631\u064a\u0642 \u0623\u0648 \u0627\u0644\u0635\u0627\u0639\u0642\u0629 \u0623\u0648 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0646 \u0627\u0646\u0641\u062c\u0627\u0631 \u060c\u060c \u0645\u0639 \u0627\u0644\u062e\u0636\u0648\u0639 \u0644\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0639\u0645\u0648\u0645\u064a\u0629 \u0627\u0644\u0645\u0637\u0628\u0648\u0639\u0629 \u062e\u0644\u0641 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0641\u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0623\u0648 \u0627\u0644\u0635\u0627\u0639\u0642\u0629 \u0647\u0648 \u0633\u0628\u0628 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u060c\u060c \u0643\u0645\u0627 \u064a\u062c\u0628 \u0623\u0646 \u0644\u0627 \u064a\u0643\u0648\u0646 \u0633\u0628\u0628 \u0627\u0644\u062d\u0631\u064a\u0642 \u0647\u0648 \u0633\u0628\u0628 \u0645\u0633\u062a\u062b\u0646\u0649 \u060c\u060c \u0648\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u062a\u0643\u0648\u0646 \u0645\u062d\u062f\u0648\u062f\u0629 \u0628\u0645\u0628\u0644\u063a \u0645\u062d\u062f\u062f \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u064a\u0633\u0645\u0649 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/p>\n

\u0627\u0644\u0635\u0627\u0639\u0642\u0629 Lightning<\/span><\/p>\n

\u0627\u0644\u0635\u0627\u0639\u0642\u0629 (\u0627\u0644\u0628\u0631\u0642) \u0647\u064a \u062a\u0641\u0631\u064a\u063a \u0643\u0647\u0631\u0628\u0627\u0626\u064a \u062c\u0648\u064a \u064a\u062d\u062f\u062b \u0648\u0645\u064a\u0636\u0627\u064b \u0645\u0636\u064a\u0626\u0627\u064b \u0644\u0648\u0642\u062a \u0642\u0635\u064a\u0631 \u062c\u062f\u0627\u064b \u0642\u062f \u064a\u0642\u0639 \u0639\u0644\u0649 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0641\u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u0642\u062f \u062a\u0642\u0639 \u0627\u0644\u0635\u0627\u0639\u0642\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0648\u0644\u0627 \u062a\u0624\u062f\u064a \u0625\u0644\u0649 \u0627\u0634\u062a\u0639\u0627\u0644 \u060c\u060c \u0648\u0645\u0639 \u0630\u0644\u0643 \u0641\u0625\u0646 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u063a\u0637\u064a \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0627\u0644\u0646\u0627\u062a\u062c\u0629 \u0639\u0646 \u0627\u0644\u0635\u0627\u0639\u0642\u0629 \u0633\u0648\u0627\u0621 \u0643\u0627\u0646\u062a \u0627\u0644\u0635\u0627\u0639\u0642\u0629 \u0645\u0635\u062d\u0648\u0628\u0629 \u0628\u062d\u0631\u064a\u0642 \u0623\u0648 \u0644\u0645 \u062a\u0643\u0646 \u0645\u0635\u062d\u0648\u0628\u0629 \u0628\u062d\u0631\u064a\u0642 \u060c\u060c \u0645\u0627 \u0644\u0645 \u062a\u0630\u0643\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062e\u0644\u0627\u0641 \u0630\u0644\u0643 \u060c\u060c \u0648\u0627\u0644\u0635\u0627\u0639\u0642\u0629 \u0623\u062d\u064a\u0627\u0646\u0627\u064b \u0642\u062f \u062a\u0643\u0648\u0646 \u0627\u0644\u0633\u0628\u0628 \u0641\u064a \u0645\u0648\u062a \u0627\u0644\u0645\u0648\u0627\u0634\u064a \u060c\u060c \u0644\u0630\u0627 \u064a\u062c\u0628 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0645\u0646 \u0637\u0628\u064a\u0628 \u0628\u064a\u0637\u0631\u064a \u062a\u0648\u0636\u062d \u0633\u0628\u0628 \u0627\u0644\u0645\u0648\u062a<\/p>\n

\u0648\u064a\u062c\u0628 \u062a\u0648\u0627\u0641\u0631 \u0627\u0644\u0623\u0631\u0643\u0627\u0646 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u062d\u062a\u0649 \u064a\u0643\u0648\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0645\u063a\u0637\u064a \u0628\u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/span><\/p>\n

1 \u0640\u0640\u0640 \u064a\u062c\u0628 \u062d\u062f\u0648\u062b \u0627\u0634\u062a\u0639\u0627\u0644 \u062d\u0642\u064a\u0642\u064a actual ignition \u0644\u0644\u0634\u064a\u0621 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647<\/p>\n

2 \u0640\u0640\u0640 \u064a\u062c\u0628 \u0648\u062c\u0648\u062f \u0634\u064a\u0621 \u064a\u062d\u062a\u0631\u0642 \u0648\u0644\u0627 \u064a\u0643\u0648\u0646 \u0639\u0627\u062f\u064a\u0627\u064b \u0623\u0646 \u064a\u062d\u062a\u0631\u0642 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0627\u062d\u062a\u0631\u0627\u0642 \u0627\u0644\u0642\u0637\u0646 \u0648\u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0648\u0623\u062b\u0627\u062b \u0627\u0644\u0645\u0646\u0632\u0644 \u0647\u0648 \u0645\u062b\u0627\u0644 \u0644\u0634\u064a\u0621 \u064a\u062d\u062a\u0631\u0642 \u0648\u0644\u0627 \u064a\u0643\u0648\u0646 \u0639\u0627\u062f\u064a\u0627\u064b \u0623\u0646 \u064a\u062d\u062a\u0631\u0642 \u060c\u060c \u0628\u064a\u0646\u0645\u0627 \u0627\u062d\u062a\u0631\u0627\u0642 \u0627\u0644\u0641\u062d\u0645 \u0648\u0627\u0644\u0648\u0642\u0648\u062f \u0641\u064a \u0627\u0644\u0645\u0648\u0627\u0642\u062f \u0623\u0648 \u062f\u0627\u062e\u0644 \u0627\u0644\u0623\u0645\u0627\u0643\u0646 \u0627\u0644\u0645\u062e\u0635\u0635\u0629 \u0644\u0627\u062d\u062a\u0631\u0627\u0642\u0647\u0627 \u0647\u0648 \u0645\u062b\u0627\u0644 \u0644\u0648\u062c\u0648\u062f \u0634\u064a\u0621 \u064a\u062d\u062a\u0631\u0642 \u0648\u064a\u0643\u0648\u0646 \u0639\u0627\u062f\u064a\u0627\u064b \u0623\u0646 \u064a\u062d\u062a\u0631\u0642<\/p>\n

3\u0640 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u060c\u060c \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0645\u0641\u0627\u062c\u0626\u0627\u064b \u0648\u0639\u0631\u0636\u064a\u0627\u064b (\u063a\u064a\u0631 \u0645\u0642\u0635\u0648\u062f\u0627\u064b \u0645\u0646\u0647) \u0641\u0625\u0630\u0627 \u0642\u0627\u0645 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0628\u0625\u0634\u0639\u0627\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 \u0645\u062a\u0639\u0645\u062f\u0627\u064b \u0623\u0648 \u0625\u0630\u0627 \u0642\u0627\u0645 \u0627\u0644\u063a\u064a\u0631 \u0628\u0627\u0644\u062a\u0648\u0627\u0637\u0624 \u0645\u0639\u0647 \u0628\u0625\u0634\u0639\u0627\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 \u0645\u062a\u0639\u0645\u062f\u0627\u064b \u0641\u0625\u0646 \u0630\u0644\u0643 \u064a\u0639\u0641\u064a \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u062f\u0641\u0639 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0644\u0623\u0646 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0647\u064a \u062e\u0633\u0627\u0631\u0629 \u0645\u062a\u0639\u0645\u062f\u0629 intentional loss<\/p>\n

\u0648\u0644\u0627 \u064a\u0639\u0641\u064a \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0630\u064a \u0643\u0627\u0646 \u0633\u0628\u0628\u0647 \u0625\u0647\u0645\u0627\u0644 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u0648 \u0645\u0646 \u0647\u0645 \u0641\u064a \u062e\u062f\u0645\u062a\u0647 \u0623\u0648 \u062a\u0627\u0628\u0639\u064a\u0647 \u0623\u0648 \u0627\u0644\u063a\u064a\u0631<\/p>\n

\u0627\u0634\u062a\u0639\u0627\u0644 \u062d\u0642\u064a\u0642\u064a actual ignition<\/span><\/p>\n

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\u0644\u0630\u0627 \u0641\u0625\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u063a\u064a\u0631 \u0645\u0633\u0626\u0648\u0644\u0629 \u0639\u0646 \u0627\u0644\u062f\u062e\u0627\u0646 \u0627\u0644\u0645\u0646\u0628\u0639\u062b \u0645\u0646 \u0646\u0627\u0631 \u0627\u0644\u062a\u062f\u0641\u0626\u0629 \u0623\u0648 \u0627\u0644\u0637\u0647\u064a \u0623\u0648 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0625\u0630\u0627 \u0633\u0628\u0628 \u0623\u0636\u0631\u0627\u0631 \u0644\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0623\u0648 \u0634\u0627\u0637 \u0627\u0644\u0634\u064a\u0621 \u0644\u0648\u062c\u0648\u062f\u0647 \u0628\u0627\u0644\u0642\u0631\u0628 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0646\u0627\u0631 \u0627\u0644\u0646\u0627\u0641\u0639\u0629 \u060c\u060c \u0644\u0623\u0646\u0647 \u0644\u0627 \u064a\u0648\u062c\u062f \u0627\u0634\u062a\u0639\u0627\u0644 \u062d\u0642\u064a\u0642\u064a \u0644\u0647\u0630\u0647 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u060c\u060c \u0625\u0644\u0627 \u0625\u0630\u0627 \u062a\u062d\u0631\u0643\u062a \u0647\u0630\u0647 \u0627\u0644\u0646\u0627\u0631 \u0627\u0644\u0646\u0627\u0641\u0639\u0629 \u0645\u0646 \u0645\u0643\u0627\u0646\u0647\u0627 \u0627\u0644\u0637\u0628\u064a\u0639\u064a \u0623\u0648 \u062a\u0637\u0627\u064a\u0631\u062a \u0634\u0631\u0627\u0631\u0629 \u0645\u0646\u0647\u0627 \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0644\u0646\u0641\u062a\u0631\u0636 \u0623\u0646 \u0633\u064a\u062f\u0629 \u0643\u0627\u0646\u062a \u062a\u062e\u0628\u0623 \u0645\u062c\u0648\u0647\u0631\u0627\u062a\u0647\u0627 \u062a\u062d\u062a \u0627\u0644\u0641\u062d\u0645 \u0641\u064a \u0627\u0644\u0634\u0648\u0627\u064a\u0629 \u0623\u0648 \u0627\u0644\u0645\u0648\u0642\u062f \u0644\u062a\u0636\u0644\u064a\u0644 \u0627\u0644\u0644\u0635\u0648\u0635 \u0625\u0630\u0627 \u0645\u0627 \u0627\u0642\u062a\u062d\u0645\u0648\u0627 \u0627\u0644\u0645\u0646\u0632\u0644 \u0623\u062b\u0646\u0627\u0621 \u063a\u064a\u0627\u0628\u0647\u0627 \u060c\u060c \u0648\u0639\u0646\u062f\u0645\u0627 \u0631\u062c\u0639\u062a \u0625\u0644\u0649 \u0627\u0644\u0645\u0646\u0632\u0644 \u0646\u0633\u064a\u062a \u0645\u062c\u0648\u0647\u0631\u0627\u062a\u0647\u0627 \u0648\u0623\u0634\u0639\u0644\u062a \u0627\u0644\u0641\u062d\u0645 \u0644\u0644\u0634\u0648\u0627\u0621 \u060c\u060c \u0641\u0625\u0646 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0644\u0627 \u062a\u0642\u0639 \u0641\u064a \u0646\u0637\u0627\u0642 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0644\u0623\u0646 \u0627\u0644\u0646\u0627\u0631 \u0644\u0645 \u062a\u062e\u0631\u062c \u0645\u0646 \u0645\u0643\u0627\u0646\u0647\u0627 \u0627\u0644\u0637\u0628\u064a\u0639\u064a \u0644\u062a\u0630\u0647\u0628 \u0625\u0644\u0649 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u060c\u060c \u0643\u0645\u0627 \u0623\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u062a\u0645 \u0648\u0636\u0639\u0647\u0627 \u0641\u064a \u0645\u0643\u0627\u0646 \u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0641\u064a\u0647 \u0627\u0644\u0646\u0627\u0631 \u0648\u0644\u0627 \u062a\u0643\u0648\u0646 \u0641\u064a\u0647 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a<\/p>\n

\u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0627\u0644\u0645\u0628\u0627\u0634\u0631\u0629 direct physical loss<\/span><\/p>\n

\u0648\u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0623\u0645\u062b\u0644\u0629 \u0644\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0627\u0644\u0645\u0628\u0627\u0634\u0631\u0629 (\u0627\u0644\u0647\u0644\u0627\u0643 \u0623\u0648 \u0627\u0644\u062a\u0644\u0641) \u0627\u0644\u062a\u064a \u062a\u0640\u064f\u0633\u0645\u0649 \u0628\u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0644\u062d\u0631\u064a\u0642 direct results of fire \u060c\u060c \u0644\u0623\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0647\u0648 \u0627\u0644\u0633\u0628\u0628 \u0627\u0644\u0642\u0631\u064a\u0628 \u0641\u064a\u0647\u0627 \u0648\u062a\u0643\u0648\u0646 \u0645\u063a\u0637\u0627\u0629 \u0628\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0631\u063a\u0645\u0627\u064b \u0645\u0646 \u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0644\u0645 \u062a\u0630\u0643\u0631 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 :<\/p>\n

\u0640 \u062a\u0644\u0641 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0628\u0627\u0644\u062f\u062e\u0627\u0646 smoke damage \u0627\u0644\u0645\u0646\u0628\u0639\u062b \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u0634\u062f\u0629 \u0627\u0644\u062d\u0631\u0627\u0631\u0629 \u0627\u0644\u0645\u0646\u0628\u0639\u062b\u0629 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 .<\/p>\n

\u0640 \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u064a\u0627\u0647 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0641\u064a \u0627\u0644\u0625\u0637\u0641\u0627\u0621<\/p>\n

\u0640 \u062a\u0644\u0641 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0628\u0648\u0627\u0633\u0637\u0629 \u0631\u062c\u0627\u0644 \u0627\u0644\u0645\u0637\u0627\u0641\u0626 \u0623\u062b\u0646\u0627\u0621 \u0645\u062d\u0627\u0648\u0644\u062a\u0647\u0645 \u0645\u0646\u0639 \u0627\u0646\u062a\u0634\u0627\u0631 \u0627\u0644\u062d\u0631\u064a\u0642<\/p>\n

\u0640 \u062a\u0644\u0641 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0628\u0648\u0627\u0633\u0637\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u062b\u0646\u0627\u0621 \u0645\u062d\u0627\u0648\u0644\u062a\u0647 \u0645\u0646\u0639 \u0627\u0644\u062d\u0631\u064a\u0642 .<\/p>\n

\u0640 \u062a\u0644\u0641 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0623\u062b\u0646\u0627\u0621 \u0646\u0642\u0644\u0647\u0627 \u0645\u0646 \u0645\u0643\u0627\u0646 \u0627\u0644\u062d\u0631\u064a\u0642<\/p>\n

\u0640 \u0627\u0644\u0633\u0631\u0642\u0629 \u0623\u062b\u0646\u0627\u0621 \u062d\u0627\u062f\u062b \u0627\u0644\u062d\u0631\u064a\u0642 ( \u0648\u0647\u0630\u0627 \u0627\u0644\u0628\u0646\u062f \u0645\u0633\u062a\u062b\u0646\u0649 \u0645\u0646 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642)<\/p>\n

\u0640 \u0627\u0646\u0647\u064a\u0627\u0631 \u0627\u0644\u0645\u0628\u0627\u0646\u064a \u0628\u0633\u0628\u0628 \u0627\u0644\u062d\u0631\u064a\u0642 .<\/p>\n

\u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062a\u0628\u0639\u064a\u0629 consequential loss \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u063a\u0637\u064a\u0647\u0627 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0625\u0644\u0627 \u0628\u0646\u0635 \u0635\u0631\u064a\u062d \u0648\u0642\u0633\u0637 \u0625\u0636\u0627\u0641\u064a<\/span><\/p>\n

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2\/1 \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u0627\u0634\u062a\u0639\u0627\u0644 \u0627\u0644\u0630\u0627\u062a\u064a (\u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a) \u0623\u0648 \u0627\u0644\u0627\u062d\u062a\u0631\u0627\u0642 \u0627\u0644\u0630\u0627\u062a\u064a<\/span><\/p>\n

spontaneous ignition \/ spontaneous combustion<\/p>\n

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2\/2 \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u062a\u0633\u062e\u064a\u0646 \u0648\u0627\u0644\u062a\u062c\u0641\u064a\u0641<\/span><\/p>\n

\u0648\u0639\u0646\u062f\u0645\u0627 \u062a\u0643\u0648\u0646 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0641\u064a \u0645\u0631\u062d\u0644\u0629 \u0627\u0644\u062a\u0633\u062e\u064a\u0646 \u0623\u0648 \u0627\u0644\u062a\u062c\u0641\u064a\u0641 \u0648\u0627\u0634\u062a\u0639\u0644\u062a \u0623\u0648 \u0634\u0627\u0637\u062a \u0628\u0633\u0628\u0628 \u0641\u0631\u0637 \u0627\u0644\u062d\u0631\u0627\u0631\u0629 \u0623\u062b\u0646\u0627\u0621 \u0643\u0648\u0646\u0647\u0627 \u0641\u064a \u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0641\u064a\u0641 \u0641\u0625\u0646 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u062a\u0642\u0639 \u062e\u0627\u0631\u062c \u0646\u0637\u0627\u0642 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062d\u064a\u062b \u0623\u0646 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0633\u0628\u0628\u0647\u0627 \u0627\u0644\u0625\u0647\u0645\u0627\u0644 \u060c\u060c \u0623\u0645\u0627 \u0625\u0630\u0627 \u0627\u0645\u062a\u062f\u062a \u0627\u0644\u0646\u0627\u0631 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0625\u0644\u0649 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u062c\u0627\u0648\u0631\u0629 \u0623\u0648 \u062e\u0631\u062c\u062a \u0627\u0644\u0646\u0627\u0631 \u0645\u0646 \u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0641\u064a\u0641 \u0641\u0625\u0646 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u062a\u0642\u0639 \u062f\u0627\u062e\u0644 \u0646\u0637\u0627\u0642 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0628\u0645\u0648\u062c\u0628 \u0646\u0635 \u0635\u0631\u064a\u062d \u0641\u064a\u0647\u0627<\/p>\n

2\/3 \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0634\u062f\u0629 \u0627\u0644\u062a\u064a\u0627\u0631 \u0627\u0644\u0643\u0647\u0631\u0628\u0627\u0626\u064a<\/span><\/p>\n

\u0644\u0627 \u062a\u063a\u0637\u064a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u062a\u064a \u062a\u0644\u062d\u0642 \u0628\u0627\u0644\u0622\u0644\u0627\u062a \u0648\u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0643\u0647\u0631\u0628\u0627\u0626\u064a\u0629 \u0648\u0627\u0644\u062a\u0631\u0643\u064a\u0628\u0627\u062a \u0627\u0644\u0643\u0647\u0631\u0628\u0627\u0626\u064a\u0629 \u0628\u0633\u0628\u0628 \u0627\u0646\u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u064a\u0627\u0631 \u0623\u0648 \u0632\u064a\u0627\u062f\u0629 \u0633\u0631\u0639\u0629 \u0623\u0648 \u0636\u063a\u0637 \u0627\u0644\u0643\u0647\u0631\u0628\u0627\u0621 \u0623\u0648 \u0634\u062f\u0629 \u0627\u0644\u062d\u0631\u0627\u0631\u0629 \u0623\u0648 \u0634\u0631\u0627\u0631\u0629 \u0643\u0647\u0631\u0628\u0627\u0626\u064a\u0629 \u0627\u0644\u062e \u060c\u060c \u0648\u0644\u0643\u0646 \u064a\u0645\u0643\u0646 \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0622\u0644\u0627\u062a \u0648\u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0648\u0627\u0644\u062a\u0631\u0643\u064a\u0628\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 \u0627\u0644\u062a\u064a \u062a\u0644\u0641\u062a \u0628\u0633\u0628\u0628 \u062a\u0637\u0627\u064a\u0631 \u0634\u0631\u0627\u0631\u0629 \u0623\u0648 \u0627\u0645\u062a\u062f\u0627\u062f \u0627\u0644\u062d\u0631\u064a\u0642 \u0645\u0646 \u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0645\u062a\u0623\u062b\u0631\u0629 \u0628\u0627\u0644\u0643\u0647\u0631\u0628\u0627\u0621 \u060c\u060c \u0641\u0625\u0630\u0627 \u0635\u062f\u0631\u062a \u0634\u0631\u0627\u0631\u0629 \u0645\u0646 \u0627\u0644\u062c\u0647\u0627\u0632 ( \u0623 ) \u0623\u062f\u062a \u0625\u0644\u0649 \u0627\u0634\u062a\u0639\u0627\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 \u0641\u064a \u0627\u0644\u062c\u0647\u0627\u0632 (\u0628) \u060c \u0641\u0625\u0646 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0644\u0627\u062d\u0642\u0629 \u0628\u0627\u0644\u062c\u0647\u0627\u0632 ( \u0623 ) \u062a\u0643\u0648\u0646 \u063a\u064a\u0631 \u0645\u063a\u0637\u0627\u0629 \u0628\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u064a\u0646\u0645\u0627 \u062a\u0643\u0648\u0646 \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u062c\u0647\u0627\u0632 (\u0628) \u0645\u063a\u0637\u0627\u0629 \u0628\u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0633\u0648\u0627\u0621 \u0643\u0627\u0646 \u0627\u0644\u062c\u0647\u0627\u0632 (\u0628) \u0643\u0647\u0631\u0628\u0627\u0626\u064a\u0627\u064b \u0623\u0648 \u063a\u064a\u0631 \u0643\u0647\u0631\u0628\u0627\u0626\u064a\u0627\u064b<\/p>\n

2\/4 \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u062d\u0631\u0628 \u0648\u0645\u0627 \u0634\u0627\u0628\u0647 \u0627\u0644\u062d\u0631\u0628<\/span><\/p>\n

War & War Like Exclusion<\/p>\n

\u0625\u0646 \u0644\u0644\u062d\u0631\u0628 \u0623\u0636\u0631\u0627\u0631 \u0648\u062f\u0645\u0627\u0631 \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0648\u0627\u0633\u0639 \u0644\u0627 \u062a\u0642\u0648\u0649 \u0639\u0644\u0649 \u062a\u063a\u0637\u064a\u062a\u0647 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0648\u0644\u0642\u062f \u0627\u062a\u0641\u0642\u062a \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0644\u0646\u062f\u0646 \u0641\u064a \u0623\u0643\u062a\u0648\u0628\u0631 1937 \u0639\u0644\u0649 \u062a\u0646\u0645\u064a\u0637 \u0634\u0631\u0637 \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u062d\u0631\u0628 standardized war risks exclusion clause \u0648\u0625\u062f\u0631\u0627\u062c\u0647 \u0641\u064a \u0648\u062b\u0627\u0626\u0642 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0623\u0631\u0636 \u060c\u060c \u0648\u0645\u0646\u0630 \u0647\u0630\u0627 \u0627\u0644\u062a\u0627\u0631\u064a\u062e \u062a\u0645 \u062a\u0637\u0628\u064a\u0642 \u0634\u0631\u0637 \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u062d\u0631\u0628 \u0639\u0644\u0649 \u0643\u0644 \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0623\u0631\u0636 \u060c\u060c \u0641\u0623\u064a \u062e\u0633\u0627\u0631\u0629 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0628\u0633\u0628\u0628 \u0627\u0644\u062d\u0631\u0628 \u062a\u0643\u0648\u0646 \u0645\u0633\u062a\u062b\u0646\u0627\u0629 \u060c\u060c \u0648\u064a\u0633\u062a\u0646\u062a\u062c \u0645\u0646 \u0630\u0644\u0643 \u0623\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0628\u0633\u0628\u0628 \u0627\u0644\u062d\u0631\u0628 \u064a\u0643\u0648\u0646 \u0645\u0633\u062a\u062b\u0646\u0649 \u0645\u0646 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0648\u0644\u0627 \u064a\u0633\u062a\u062d\u0642 \u0639\u0646\u0647 \u062a\u0639\u0648\u064a\u0636 .<\/p>\n

\u0648\u062c\u062f\u064a\u0631 \u0628\u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0623\u0646 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u063a\u0637\u064a \u062e\u0637\u0631 \u0627\u0644\u062d\u0631\u0628 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u062d\u0631\u064a \u0641\u0642\u0637 (\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u060c \u0648\u062a\u0623\u0645\u064a\u0646 \u0623\u062c\u0633\u0627\u0645 \u0633\u0641\u0646) \u0648\u0630\u0644\u0643 \u0645\u0642\u0627\u0628\u0644 \u0642\u0633\u0637 \u0625\u0636\u0627\u0641\u064a \u0628\u0645\u0648\u062c\u0628 \u0646\u0635 \u0627\u0645\u062a\u062f\u0627\u062f \u0641\u064a \u062c\u062f\u0648\u0644 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u064a\u0644\u063a\u064a \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u062d\u0631\u0628 \u0627\u0644\u0648\u0627\u0631\u062f \u0636\u0645\u0646 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0639\u0645\u0648\u0645\u064a\u0629 \u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0628\u062d\u0631\u064a<\/p>\n

* \u0648\u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645 \u0623\u064a\u0636\u0627\u064b \u0623\u0646 \u0643\u0644 \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0633\u062a\u062b\u0646\u064a \u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0623\u0633\u0644\u062d\u0629 \u0627\u0644\u0630\u0631\u064a\u0629 \u0648\u0627\u0644\u0646\u0648\u0648\u064a\u0629 \u0648\u0644\u0627 \u064a\u0645\u0643\u0646 \u062a\u063a\u0637\u064a\u062a\u0647\u0627 \u0628\u0623\u064a \u062d\u0627\u0644 \u0645\u0646 \u0627\u0644\u0623\u062d\u0648\u0627\u0644 \u0633\u0648\u0627\u0621 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u062d\u0631\u064a \u0623\u0648 \u0627\u0644\u0644\u0627\u0628\u062d\u0631\u064a .<\/p>\n

2\/5 \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u062a\u0644\u0648\u062b<\/span> Pollution<\/span><\/p>\n

\u062a\u0633\u062a\u062b\u0646\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u062a\u0644\u0648\u062b \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0625\u0644\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0628\u0633\u0628\u0628 \u062e\u0637\u0631 \u0645\u0624\u0645\u0646 \u0636\u062f\u0647 (\u0643\u0627\u0644\u062f\u062e\u0627\u0646 \u0627\u0644\u0645\u0646\u0628\u0639\u062b \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642) \u0623\u0648 \u0625\u0630\u0627 \u062a\u062d\u0642\u0642 \u0627\u0644\u062e\u0637\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0636\u062f\u0647 \u0628\u0633\u0628\u0628 \u0627\u0644\u062a\u0644\u0648\u062b ( \u0645\u062b\u0644 \u062a\u0633\u0631\u0628 \u0627\u0644\u0632\u064a\u0648\u062a \u0645\u0646 \u0623\u0648\u0639\u064a\u062a\u0647\u0627 \u0648\u0645\u0627 \u0634\u0627\u0628\u0647 \u0627\u0644\u0632\u064a\u0648\u062a \u0645\u0646 \u0627\u0644\u0645\u0648\u0627\u062f \u0627\u0644\u062e\u0637\u0631\u0629 \u0645\u0645\u0627 \u064a\u0624\u062f\u0649 \u0625\u0644\u0649 \u0627\u0634\u062a\u0639\u0627\u0644 \u0647\u0630\u0647 \u0627\u0644\u0632\u064a\u0648\u062a \u0648\u0646\u0634\u0648\u0628 \u062d\u0631\u064a\u0642 )<\/p>\n

2\/6 \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u062a\u0644\u0648\u062b \u0627\u0644\u0625\u0634\u0639\u0627\u0639\u064a<\/span><\/p>\n

Radioactive contamination exclusion<\/p>\n

\u0628\u0639\u062f \u0627\u0646\u062a\u0634\u0627\u0631 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0637\u0627\u0642\u0629 \u0627\u0644\u0646\u0648\u0648\u064a\u0629 \u0641\u0642\u062f \u062a\u0645 \u0648\u0636\u0639 \u0647\u0630\u0627 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0641\u064a \u0648\u062b\u0627\u0626\u0642 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0644\u064a\u0633\u062a\u062b\u0646\u064a \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u062a\u064a \u0643\u0627\u0646 \u0633\u0628\u0628\u0647\u0627 \u0627\u0644\u062a\u0644\u0648\u062b \u0627\u0644\u0625\u0634\u0639\u0627\u0639\u064a \u0623\u0648 \u0627\u0644\u0625\u0634\u0639\u0627\u0639\u0627\u062a \u0627\u0644\u0623\u064a\u0648\u0646\u064a\u0629 \u0627\u0644\u0645\u0646\u0628\u0639\u062b\u0629 \u0645\u0646 \u0648\u0642\u0648\u062f \u0623\u0648 \u0645\u062e\u0644\u0641\u0627\u062a \u0646\u0648\u0648\u064a\u0629 \u0623\u0648 \u0646\u062a\u064a\u062c\u0629 \u0627\u062d\u062a\u0631\u0627\u0642 \u0648\u0642\u0648\u062f \u0630\u0631\u064a \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0644\u0648 \u062a\u0633\u0631\u0628\u062a \u0625\u0634\u0639\u0627\u0639\u0627\u062a \u0645\u0646 \u0645\u0641\u0627\u0639\u0644 \u0646\u0648\u0648\u064a \u0648\u0644\u0648\u062b\u062a \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0641\u0625\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u063a\u064a\u0631 \u0645\u0633\u0626\u0648\u0644\u0629 \u0639\u0646 \u0627\u0644\u062e\u0633\u0627\u0631\u0629<\/p>\n

2\/7 \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u062a\u064a \u062a\u0633\u0631\u0642 \u062e\u0644\u0627\u0644 \u0627\u0644\u062d\u0627\u062f\u062b \u0623\u0648 \u0628\u0639\u062f\u0647<\/span><\/p>\n

\u062a\u0633\u062a\u062b\u0646\u064a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u062a\u064a \u062a\u0633\u0631\u0642 \u0641\u064a \u062e\u0644\u0627\u0644 \u0627\u0644\u062d\u0627\u062f\u062b \u0623\u0648 \u0628\u0639\u062f\u0647 \u060c\u060c \u0644\u0630\u0644\u0643 \u0646\u0635\u062a \u0645\u0642\u062f\u0645\u0629 \u0627\u0644\u0634\u0631\u0648\u0637 \u0639\u0644\u0649 \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0646\u062a\u062c \u0639\u0646 \u0627\u0644\u0647\u0644\u0627\u0643 \u0623\u0648 \u0627\u0644\u062a\u0644\u0641 \u0644\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u060c\u060c \u0623\u0645\u0627 \u0627\u0644\u0641\u0642\u062f \u0623\u0648 \u0627\u0644\u0627\u062e\u062a\u0641\u0627\u0621 \u0628\u0633\u0628\u0628 \u0627\u0644\u0633\u0631\u0642\u0629 \u0641\u0647\u0648 \u063a\u064a\u0631 \u0645\u063a\u0637\u0649<\/p>\n

2\/8 \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u0623\u0633\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0623\u0631\u0636<\/span><\/p>\n

\u0639\u0646\u062f \u062d\u0633\u0627\u0628 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0641\u0625\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0642\u062f \u064a\u0633\u062a\u062b\u0646\u064a \u0627\u0644\u0623\u0633\u0627\u0633\u0627\u062a \u0645\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0646\u0627\u0621 \u0639\u0644\u0649 \u0631\u063a\u0628\u062a\u0647 \u0628\u063a\u0631\u0636 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0627\u0644\u0642\u0633\u0637 \u060c\u060c \u0644\u0648 \u0627\u0639\u062a\u0642\u062f \u0623\u0646 \u0627\u0644\u0623\u0633\u0627\u0633\u0627\u062a \u0644\u0646 \u062a\u062a\u0623\u062b\u0631 \u0628\u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u0647\u0630\u0627 \u064a\u0646\u0637\u0628\u0642 \u0639\u0644\u0649 \u0627\u0644\u0623\u0633\u0627\u0633\u0627\u062a \u0627\u0644\u062e\u0631\u0627\u0633\u0627\u0646\u064a\u0629 \u062a\u062d\u062a \u0627\u0644\u0623\u0631\u0636 \u060c\u060c \u0648\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643 \u0641\u0625\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0633\u062a\u062b\u0646\u0649 \u0627\u0644\u0623\u0631\u0636<\/p>\n

2\/9 \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u062d\u0631\u0627\u0626\u0642 \u0627\u0644\u063a\u0627\u0628\u0627\u062a<\/span><\/p>\n

\u062a\u0633\u062a\u062b\u0646\u064a \u0628\u0639\u0636 \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u062d\u0631\u0627\u0626\u0642 \u0627\u0644\u063a\u0627\u0628\u0627\u062a \u0623\u0648 \u0627\u0644\u0623\u062d\u0631\u0627\u0634 \u0635\u063a\u064a\u0631\u0629 \u0623\u0648 \u0643\u0628\u064a\u0631\u0629 \u0623\u0648 \u0627\u0644\u0628\u0631\u0627\u0631\u064a \u0648\u0627\u0644\u0623\u062f\u063a\u0627\u0644 \u0623\u0648 \u0646\u062a\u064a\u062c\u0629 \u062a\u0645\u0647\u064a\u062f \u0627\u0644\u0623\u0631\u0636 \u0628\u0627\u0644\u0646\u0627\u0631<\/p>\n

\u0625\u0646 \u062d\u0631\u064a\u0642 \u0627\u0644\u063a\u0627\u0628\u0627\u062a \u064a\u0643\u0648\u0646 \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0648\u0627\u0633\u0639 \u0648\u064a\u0631\u062a\u0628\u0637 \u0628\u0627\u0644\u0645\u0646\u0627\u062e \u0648\u0627\u0631\u062a\u0641\u0627\u0639 \u062f\u0631\u062c\u0627\u062a \u0627\u0644\u062d\u0631\u0627\u0631\u0629<\/p>\n

\n

3- \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062b\u0646\u0627\u0629 excluded property ( \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u062a\u064a \u0644\u0627 \u064a\u063a\u0637\u064a\u0647\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0625\u0644\u0627 \u0628\u0646\u0635 \u0635\u0631\u064a\u062d \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629)<\/span><\/p>\n

– \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0629 \u0641\u064a \u062d\u0648\u0632\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0648\u062f\u064a\u0639\u0629 \u0623\u0648 \u0627\u0644\u0648\u0643\u0627\u0644\u0629 \u0628\u0627\u0644\u0639\u0645\u0648\u0644\u0629.<\/p>\n

– \u0627\u0644\u0633\u0628\u0627\u0626\u0643 \u0627\u0644\u0641\u0636\u064a\u0629 \u0648\u0627\u0644\u0630\u0647\u0628\u064a\u0629 \u0648\u0627\u0644\u0645\u0639\u0627\u062f\u0646 \u0648\u0627\u0644\u0623\u062d\u062c\u0627\u0631 \u0627\u0644\u062b\u0645\u064a\u0646\u0629 .<\/p>\n

– \u0627\u0644\u062a\u062d\u0641 \u0627\u0644\u0641\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0632\u064a\u062f \u0642\u064a\u0645\u062a\u0647\u0627 \u0639\u0646 \u2026\u2026.. \u062c\u0646\u064a\u0647 .<\/p>\n

– \u0627\u0644\u0645\u062e\u0637\u0648\u0637\u0627\u062a \u0648\u0627\u0644\u062a\u0635\u0645\u064a\u0645\u0627\u062a \u0648\u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0628\u0627\u0644\u062f\u064a\u0646 \u0648\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0648\u0627\u0644\u0637\u0648\u0627\u0628\u0639 \u0648\u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0648\u0627\u0644\u0634\u064a\u0643\u0627\u062a \u0648\u0627\u0644\u0633\u062c\u0644\u0627\u062a \u0648\u0627\u0644\u062f\u0641\u0627\u062a\u0631 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u0645\u0627\u00a0 \u0641\u064a \u062d\u0643\u0645\u0647\u0627<\/p>\n

– \u0627\u0644\u0645\u0641\u0631\u0642\u0639\u0627\u062a .<\/p>\n

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\u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u0645\u0648\u062f\u0639\u0629 \u0644\u062f\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0648\u062f\u064a\u0639\u0629 \u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0623\u064a\u0636\u0627\u064b \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u0645\u062d\u062a\u0641\u0638 \u0628\u0647\u0627 \u0641\u064a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 goods held in trust \u0647\u064a \u0628\u0636\u0627\u0626\u0639 \u0641\u064a \u062d\u064a\u0627\u0632\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0648\u0644\u0643\u0646\u0647\u0627 \u0645\u0645\u0644\u0648\u0643\u0629\u064b \u0644\u0637\u0631\u0641 \u062b\u0627\u0644\u062b (\u0644\u0644\u063a\u064a\u0631) \u060c\u060c \u0648\u0644\u0630\u0627 \u062a\u0645 \u0627\u0633\u062a\u062b\u0646\u0627\u0626\u0647\u0627 \u0645\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0647\u0648 \u0627\u0644\u0645\u0648\u062f\u0639 \u0644\u062f\u064a\u0647 \u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u063a\u064a\u0631 Bailee \u0641\u064a\u0643\u0648\u0646 \u0645\u0633\u0626\u0648\u0644\u0627\u064b \u0623\u0645\u0627\u0645 \u0627\u0644\u063a\u064a\u0631 \u0639\u0646 \u0633\u0644\u0627\u0645\u0629 \u0647\u0630\u0647 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0628\u0645\u0648\u062c\u0628 \u0639\u0642\u062f \u0623\u0648 \u0628\u0645\u0648\u062c\u0628 \u0646\u0635 \u0627\u0644\u0642\u0627\u0646\u0648\u0646<\/p>\n

\u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u0645\u0648\u062f\u0639\u0629 \u0644\u062f\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0648\u0643\u0627\u0644\u0629 \u0628\u0627\u0644\u0639\u0645\u0648\u0644\u0629 goods held in commission \u0647\u064a \u0628\u0636\u0627\u0626\u0639 \u0641\u064a \u062d\u064a\u0627\u0632\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0648\u0644\u0643\u0646\u0647\u0627 \u062a\u0643\u0648\u0646 \u0645\u0645\u0644\u0648\u0643\u0629\u064b \u0644\u0637\u0631\u0641 \u062b\u0627\u0644\u062b (\u0644\u0644\u063a\u064a\u0631) \u0648\u0644\u0643\u0646 \u064a\u062d\u062a\u0641\u0638 \u0628\u0647\u0627 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0644\u063a\u0631\u0636 \u0628\u064a\u0639\u0647\u0627 \u0641\u064a \u0645\u0642\u0627\u0628\u0644 \u0639\u0645\u0648\u0644\u0629 \u064a\u062d\u0635\u0644 \u0639\u0644\u064a\u0647\u0627 \u0645\u0646 \u0645\u0627\u0644\u0643\u0647\u0627 \u060c\u060c \u0648\u0644\u0630\u0627 \u062a\u0645 \u0627\u0633\u062a\u062b\u0646\u0627\u0626\u0647\u0627 \u0645\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0648\u0647\u0648 \u0627\u0644\u062a\u0627\u062c\u0631 \u0623\u0648 \u0627\u0644\u0628\u0627\u0626\u0639 \u064a\u0643\u0648\u0646 \u0645\u0633\u0626\u0648\u0644\u0627\u064b \u0623\u0645\u0627\u0645 \u0627\u0644\u063a\u064a\u0631 \u0639\u0646 \u0633\u0644\u0627\u0645\u0629 \u0647\u0630\u0647 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0628\u0645\u0648\u062c\u0628 \u0639\u0642\u062f \u0623\u0648 \u0628\u0645\u0648\u062c\u0628 \u0646\u0635 \u0627\u0644\u0642\u0627\u0646\u0648\u0646<\/p>\n

\u0641\u0625\u0630\u0627 \u0623\u0631\u0627\u062f \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0645\u0648\u062c\u0628 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0639\u0644\u0649 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0629 \u0641\u064a \u062d\u064a\u0627\u0632\u062a\u0647 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0648\u062f\u064a\u0639\u0629 \u0623\u0648 \u0627\u0644\u0648\u0643\u0627\u0644\u0629 \u0628\u0627\u0644\u0639\u0645\u0648\u0644\u0629 \u0641\u064a\u062c\u0628 \u0630\u0643\u0631 \u0627\u0644\u0639\u0628\u0627\u0631\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u0641\u064a \u062e\u0627\u0646\u0629 \u0645\u0648\u0627\u0635\u0641\u0627\u062a \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u062d\u062a \u0628\u0646\u062f \u0627\u0644\u0645\u062e\u0632\u0648\u0646<\/p>\n

(( \u0648\u0627\u0644\u0643\u0644 \u0645\u0644\u0643 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0648\/ \u0623\u0648 \u0641\u064a \u062d\u064a\u0627\u0632\u062a\u0647 \u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u063a\u064a\u0631 \u0627\u0644\u0630\u064a\u0646 \u064a\u0643\u0648\u0646 \u0645\u0633\u0626\u0648\u0644\u0627\u064b \u0623\u0645\u0627\u0645\u0647\u0645 \u0639\u0646\u0647\u0627 \u0641\u064a \u062d\u0627\u0644\u0629 \u0648\u0642\u0648\u0639 \u062d\u0627\u062f\u062b \u062d\u0631\u064a\u0642 \u062a\u063a\u0637\u064a\u0647 \u0647\u0630\u0647 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0630\u0644\u0643 \u0623\u062b\u0646\u0627\u0621 \u0648\u062c\u0648\u062f\u0647\u0627 \u062f\u0627\u062e\u0644 \u0627\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0645\u0648\u0635\u0648\u0641\u0629 \u0628\u0627\u0644\u0628\u0646\u062f \u0627\u0644\u0623\u0648\u0644 \u0623\u0639\u0644\u0627\u0647 )) \u0648\u0627\u0644\u0628\u0646\u062f \u0627\u0644\u0623\u0648\u0644 \u0623\u0639\u0644\u0627\u0647 \u0647\u0648 \u0645\u0628\u0646\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u062d\u064a\u062b \u064a\u0630\u0643\u0631 \u0639\u0646\u0648\u0627\u0646\u0647 \u0648\u0645\u0648\u0627\u0635\u0641\u0627\u062a\u0647<\/p>\n

\u0648\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0646\u0642\u0648\u062f \u0648\u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0637\u0648\u0627\u0628\u0639 \u0627\u0644\u062e \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0635\u0639\u0628 \u0625\u062b\u0628\u0627\u062a \u0645\u062f\u0649 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u060c\u060c \u0648\u0647\u0630\u0647 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u062a\u0643\u0648\u0646 \u0639\u0631\u0636\u0629 \u0644\u0644\u062a\u0644\u0641 \u0648\u0627\u0644\u0647\u0644\u0627\u0643 \u0641\u064a\u0645\u0627 \u0639\u062f\u0627 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0639\u062f\u0646\u064a\u0629 \u060c\u060c \u0648\u0644\u0627\u062d\u062a\u0645\u0627\u0644 \u0648\u0631\u0648\u062f \u0627\u0644\u063a\u0634 \u0641\u064a \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0648\u0635\u0639\u0648\u0628\u0629 \u0625\u062b\u0628\u0627\u062a \u0647\u0644\u0627\u0643\u0647\u0627 \u060c\u060c \u0644\u0630\u0627 \u064a\u062a\u0645 \u0627\u0633\u062a\u062b\u0646\u0627\u0626\u0647\u0627 \u0623\u0648 \u0648\u0636\u0639 \u062d\u062f \u0623\u0642\u0635\u0649 \u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0646\u0647\u0627<\/p>\n

\u0648\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u062a\u0635\u0645\u064a\u0645\u0627\u062a \u0648\u0627\u0644\u062e\u0631\u0627\u0626\u0637 \u0648\u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0648\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0648\u0627\u0644\u0633\u062c\u0644\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u062e \u0641\u0625\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u064a\u0643\u0648\u0646 \u0644\u0647\u0627 \u0642\u064a\u0645\u0629 \u0643\u0628\u064a\u0631\u0629 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0635\u0627\u062d\u0628\u0647\u0627 \u0648\u0644\u0643\u0646 \u0644\u064a\u0633 \u0644\u0647\u0627 \u0642\u064a\u0645\u0629 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u063a\u064a\u0631<\/p>\n

\u0648\u0628\u0639\u0636 \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0634\u0631\u0637 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647 \u0634\u0631\u0637 \u0643\u0644 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 all other contents clause \u062d\u064a\u062b \u064a\u0636\u0639 \u0647\u0630\u0627 \u0627\u0644\u0634\u0631\u0637 \u062d\u062f \u0623\u0642\u0635\u0649 \u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0643\u0644 \u0628\u0646\u062f \u0623\u0648 \u0645\u0641\u0631\u062f\u0629 \u0645\u0646 \u0645\u0641\u0631\u062f\u0627\u062a \u0647\u0630\u0647 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a<\/p>\n

4- \u0645\u0643\u0648\u0646\u0627\u062a \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642<\/span><\/p>\n

\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0647\u064a \u0645\u0633\u062a\u0646\u062f \u0631\u0633\u0645\u064a \u064a\u062b\u0628\u062a \u0642\u0628\u0648\u0644 \u0627\u0644\u062e\u0637\u0631 \u0648\u0627\u0646\u0639\u0642\u0627\u062f \u0639\u0642\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c \u0648\u062a\u062a\u0643\u0648\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0645\u0646 \u062c\u0632\u0623\u064a\u0646 \u0647\u0645\u0627 \u0627\u0644\u062c\u0632\u0621 \u0627\u0644\u0645\u0643\u062a\u0648\u0628 (\u0639\u0644\u0649 \u0648\u062c\u0647 \u0627\u0644\u0648\u062b\u064a\u0642\u0629) \u0648\u0647\u0648 \u0627\u0644\u062c\u0632\u0621 \u0627\u0644\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u0630\u064a \u064a\u0645\u0644\u0626\u0647 \u0627\u0644\u0645\u0624\u0645\u0646 \u0648\u064a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 \u0627\u0633\u0645 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0639\u0646\u0648\u0627\u0646\u0647\u0627 \u0648\u0631\u0642\u0645 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0646\u0648\u0639\u0647\u0627 (\u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642) \u0648\u0634\u0631\u0637 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0633\u0645 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0648\u0639\u0646\u0648\u0627\u0646\u0647 \u0648\u0645\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u0642\u0633\u0637 \u0648\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u062e\u0627\u0635\u0629 (\u0627\u0644\u0645\u0643\u062a\u0648\u0628\u0629) \u0627\u0644\u062e \u060c\u060c<\/p>\n

\u0648\u0627\u0644\u062c\u0632\u0621 \u0627\u0644\u0622\u062e\u0631 \u0647\u0648 \u0627\u0644\u062c\u0632\u0621 \u0627\u0644\u0645\u0637\u0628\u0648\u0639 \u0627\u0644\u0646\u0645\u0648\u0630\u062c\u064a \u0648\u0647\u0648 \u0645\u0648\u062d\u062f \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0648\u064a\u062d\u062a\u0648\u0649 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0639\u0627\u0645\u0629 \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u062a\u063a\u064a\u0631 \u0628\u062a\u063a\u064a\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u0648 \u0627\u0644\u062e\u0637\u0631 \u060c\u060c \u0648\u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0639\u0627\u0645\u0629 general conditions \u062a\u0643\u0648\u0646 \u0645\u0637\u0628\u0648\u0639\u0629 \u0641\u064a \u0638\u0647\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0623\u0648 \u0641\u064a \u0648\u0631\u0642\u0629 \u0645\u0633\u062a\u0642\u0644\u0629 \u062a\u0631\u0641\u0642 \u0645\u0639 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0625\u0646 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0639\u0627\u0645\u0629 \u0647\u064a \u0627\u0644\u062c\u0632\u0621 \u0627\u0644\u062b\u0627\u0628\u062a \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0641\u0647\u064a \u0634\u0631\u0648\u0637 \u0646\u0645\u0637\u064a\u0629 \u0644\u0627 \u062a\u062a\u063a\u064a\u0631 \u0628\u062a\u063a\u064a\u0631 \u0627\u0644\u0639\u0645\u064a\u0644 \u060c\u060c<\/p>\n

4\/1 \u0634\u0631\u0637 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0648 \u0627\u0644\u0634\u0631\u0637 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a<\/span><\/p>\n

insuring clause \/ insuring agreement \/ operative clause<\/p>\n

\u0634\u0631\u0637 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 (\u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647 \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642) \u0647\u0648 \u0623\u0647\u0645 \u0634\u0631\u0637 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0644\u0623\u0646\u0647 \u064a\u0628\u064a\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u062a\u064a \u062a\u0640\u064f\u0634\u063a\u0644 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0641\u062a\u062c\u0639\u0644\u0647\u0627 \u062a\u0633\u062a\u062c\u064a\u0628 \u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u060c\u060c \u0648\u0642\u062f \u062d\u062f\u062f\u0647\u0627 \u0628\u0623\u0646\u0647\u0627 \u062d\u0631\u064a\u0642 \u0623\u0648 \u0635\u0627\u0639\u0642\u0629 \u0623\u0648 \u062d\u0631\u064a\u0642 \u0646\u0627\u062a\u062c \u0639\u0646 \u0627\u0646\u0641\u062c\u0627\u0631 \u060c\u060c \u0648\u0630\u0643\u0631 \u0623\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u063a\u0637\u064a \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 Material Damage ( MD ) \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u060c\u060c \u0644\u0623\u0646 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u062a\u0639\u0646\u064a \u0641\u0642\u0637 \u0627\u0644\u0647\u0644\u0627\u0643 \u0623\u0648 \u0627\u0644\u062a\u0644\u0641 \u0644\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0648\u0644\u0627 \u064a\u0634\u062a\u0645\u0644 \u0647\u0630\u0627 \u0627\u0644\u0645\u0635\u0637\u0644\u062d \u0639\u0644\u0649 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062a\u0628\u0639\u064a\u0629 (\u0645\u062b\u0644 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d) \u0623\u0648 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0639\u0627\u0637\u0641\u064a\u0629 \u0623\u0648 \u0627\u0644\u0641\u0642\u062f \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0646 \u0627\u0644\u0633\u0631\u0642\u0629 \u060c\u060c<\/p>\n

4\/2 \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/span><\/p>\n

Subject matter insured<\/p>\n

\u0641\u064a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0641\u0625\u0646 \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0648\u064a\u062c\u0628 \u0648\u0635\u0641 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 ( \u0627\u0644\u0645\u0628\u0646\u0649 \u060c \u0648\u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u060c \u0648\u0627\u0644\u0622\u0644\u0627\u062a \u060c \u0648\u0627\u0644\u0645\u062e\u0632\u0648\u0646 ) \u0648\u0627\u062b\u0628\u0627\u062a \u0645\u0641\u0631\u062f\u0627\u062a\u0647\u0627 \u0648\u062a\u062d\u062f\u064a\u062f\u0647\u0627 \u0641\u064a \u062c\u062f\u0648\u0644 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0623\u0648 \u0645\u0644\u0627\u062d\u0642\u0647\u0627 \u0645\u0646 \u0648\u0627\u0642\u0639 \u0637\u0644\u0628 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0648 \u0642\u0627\u0626\u0645\u0629 \u0642\u064a\u0645 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u062a\u064a \u064a\u0631\u0641\u0642\u0647\u0627 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0645\u0639 \u0637\u0644\u0628 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0648\u0644\u064a\u0633 \u0645\u0646 \u0627\u0644\u0645\u0631\u063a\u0648\u0628 \u0641\u064a\u0647 \u0630\u0643\u0631 \u0643\u0644\u0645\u0629 \u0645\u062d\u062a\u0648\u064a\u0627\u062a contents \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062f\u0648\u0646 \u062a\u0639\u0631\u064a\u0641\u0647\u0627 \u0648\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0645\u063a\u0637\u064a \u0645\u0646\u0647\u0627 \u060c\u060c \u0644\u0623\u0646 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0643\u0644\u0645\u0629 \u0648\u0627\u0633\u0639\u0629 \u062a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 \u0643\u0644 \u0634\u064a\u0621 \u062f\u0627\u062e\u0644 \u0627\u0644\u0645\u0628\u0646\u0649 \u0643\u0627\u0644\u0623\u062b\u0627\u062b \u0648\u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0648\u0627\u0644\u0643\u0645\u0628\u064a\u0648\u062a\u0631 \u0648\u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0646\u0642\u0648\u062f \u2026\u0627\u0644\u062e . \u0648\u0644\u0623\u0646 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0639\u0645\u0648\u0645\u064a\u0629 \u0644\u0627 \u062a\u063a\u0637\u064a \u0627\u0644\u0645\u0642\u062a\u0646\u064a\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0633\u0647\u0644\u0629 \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0625\u0644\u0649 \u0646\u0642\u0648\u062f ( \u0643\u0627\u0644\u0630\u0647\u0628 \u0648\u0627\u0644\u062a\u062d\u0641 \u0648\u0627\u0644\u0646\u0642\u0648\u062f ) \u0625\u0644\u0627 \u0628\u0646\u0635 \u0635\u0631\u064a\u062d \u062f\u0627\u062e\u0644 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 .<\/p>\n

\u0648\u064a\u062c\u0628 \u0648\u0635\u0641 \u0637\u0628\u064a\u0639\u0629 \u0627\u0644\u0645\u0628\u0646\u0649 \u0627\u0644\u0630\u064a \u064a\u0645\u062a\u0644\u0643\u0647 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0648\u062a\u062d\u062f\u064a\u062f \u0639\u0646\u0648\u0627\u0646\u0647 \u060c\u060c \u0647\u0644 \u0645\u0628\u0646\u0649 \u0645\u0646 \u0627\u0644\u0627\u0633\u0645\u0646\u062a \u0627\u0644\u0645\u0633\u0644\u062d \u0648\u0627\u0644\u0637\u0648\u0628 \u0627\u0644\u0623\u062d\u0645\u0631 \u061f \u0623\u0645 \u0645\u0646 \u0627\u0644\u062e\u0634\u0628 \u061f \u0648\u0645\u0627 \u0639\u062f\u062f \u0627\u0644\u0637\u0648\u0627\u0628\u0642 \u061f \u0648\u062a\u062d\u062f\u064a\u062f \u0637\u0628\u064a\u0639\u0629 \u0646\u0634\u0627\u0637\u0647 \u0647\u0644 \u0635\u0646\u0627\u0639\u064a \u0623\u0645 \u062a\u062c\u0627\u0631\u064a \u0623\u0648 \u062d\u0631\u0641\u064a \u061f \u0648\u0643\u0630\u0644\u0643 \u0648\u0635\u0641 \u0627\u0644\u0622\u0644\u0627\u062a \u0648\u0639\u062f\u062f\u0647\u0627 \u0648\u0645\u0627\u0631\u0643\u062a\u0647\u0627 \u0648\u0648\u0635\u0641 \u0644\u0644\u0645\u062e\u0632\u0648\u0646 \u060c\u060c \u0648\u0625\u0646 \u0644\u0645 \u062a\u0643\u0641\u064a \u0627\u0644\u0645\u0633\u0627\u062d\u0629 \u0628\u0627\u0644\u062c\u062f\u0648\u0644 \u0641\u064a\u0643\u0648\u0646 \u0630\u0644\u0643 \u0628\u0643\u0634\u0641 \u0645\u0631\u0641\u0642 \u0645\u0639 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0625\u0644\u064a\u0647 \u0641\u064a \u0627\u0644\u062c\u062f\u0648\u0644 \u060c\u060c \u0631\u0627\u062c\u0639 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0628\u0627\u0646\u064a \u0628\u0647\u0630\u0627 \u0627\u0644\u0645\u0642\u0627\u0644<\/p>\n

4\/3 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 sum insured<\/span><\/p>\n

\u0625\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0627 \u064a\u0639\u062a\u0628\u0631 \u0627\u0639\u062a\u0631\u0627\u0641\u0627\u064b \u0645\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0628\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0648\u0644\u0627 \u062f\u0644\u064a\u0644\u0627\u064b \u0639\u0644\u0649 \u0648\u062c\u0648\u062f\u0647\u0627 \u0648\u0644\u0627 \u064a\u0639\u062a\u0628\u0631 \u0648\u0639\u062f\u0627\u064b \u0645\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0628\u062f\u0641\u0639 \u0647\u0630\u0627 \u0627\u0644\u0645\u0628\u0644\u063a \u0641\u064a \u062d\u0627\u0644\u0629 \u062d\u062f\u0648\u062b \u062d\u0627\u062f\u062b \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062e\u0633\u0627\u0631\u0629 \u060c\u060c \u0648\u0644\u0643\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u0645\u062b\u0644 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 Limit of Liability<\/p>\n

\u0648\u064a\u062c\u0628 \u062a\u062d\u062f\u064a\u062f \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0645\u0633\u062a\u0642\u0644 \u0648\u0645\u0646\u0641\u0635\u0644 \u0644\u0643\u0644 \u0628\u0646\u062f item \u0645\u0646 \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0648\u064a\u062c\u0628 \u0643\u062a\u0627\u0628\u0629 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u0648\u0627\u0644\u062d\u0631\u0648\u0641<\/p>\n

\u0648\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0643\u0644 \u0628\u0646\u062f \u064a\u0639\u062a\u0628\u0631 \u062a\u0623\u0645\u064a\u0646 \u0645\u0646\u0641\u0635\u0644 \u0641\u0625\u0630\u0627 \u062d\u062f\u062b\u062a \u062e\u0633\u0627\u0631\u0629 \u0644\u0628\u0646\u062f \u0645\u0639\u064a\u0646 \u0641\u0625\u0646 \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u062a\u0643\u0648\u0646 \u0645\u062d\u062f\u0648\u062f\u0629 \u0628\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0647\u0630\u0627 \u0627\u0644\u0628\u0646\u062f \u060c\u060c \u0623\u0645\u0627 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0641\u0647\u0648 \u0645\u062c\u0645\u0648\u0639 \u0645\u0628\u0627\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0643\u0644 \u0627\u0644\u0628\u0646\u0648\u062f \u060c\u060c<\/p>\n

\u0648\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 (\u0627\u0644\u0645\u062a\u0639\u0627\u0631\u0641 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0623\u063a\u0644\u0628\u064a\u0629 \u0627\u0644\u0623\u0633\u0648\u0627\u0642) \u0647\u064a \u0648\u062b\u064a\u0642\u0629 \u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0630\u0627\u062a \u062d\u062f\u0648\u062f \u0645\u062a\u062e\u0635\u0635\u0629 \u060c\u060c \u0625\u062c\u0645\u0627\u0644\u064a\u0629 blanket \u0644\u0623\u0646\u0647\u0627 \u062a\u063a\u0637\u064a \u0639\u062f\u062f \u0645\u0646 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0627\u0644\u0645\u0628\u0646\u0649 \u0648\u0627\u0644\u0622\u0644\u0627\u062a \u0648\u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0648\u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u060c\u060c \u0630\u0627\u062a \u062d\u062f\u0648\u062f \u0645\u062a\u062e\u0635\u0635\u0629 specified limits \u0644\u0623\u0646\u0647\u0627 \u062a\u062d\u062f\u062f \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0645\u0633\u062a\u0642\u0644 \u0644\u0643\u0644 \u0646\u0648\u0639 \u0645\u0646 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0641\u064a \u0646\u0641\u0633 \u0627\u0644\u0645\u0648\u0642\u0639 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 150 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0644\u0644\u0645\u0628\u0646\u0649 \u060c\u060c \u0648\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 100 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0644\u0644\u0622\u0644\u0627\u062a \u060c\u060c \u0648\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 50 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0644\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u060c\u060c \u0648\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 75 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0644\u0644\u0645\u062e\u0632\u0648\u0646 \u060c\u060c \u0641\u064a\u0643\u0648\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a 375 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0645\u0648\u0632\u0639\u0627\u064b \u0639\u0644\u0649 \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u060c\u060c<\/p>\n

4\/4 \u0645\u062f\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629<\/span> Policy term<\/span><\/p>\n

\u0627\u0644\u0645\u062f\u0629 \u0627\u0644\u062a\u064a \u062a\u0643\u0648\u0646 \u062e\u0644\u0627\u0644\u0647\u0627 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0633\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u0641\u0639\u0648\u0644 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0633\u0646\u0629 \u0648\u0627\u062d\u062f\u0629 \u0641\u062a\u0633\u0645\u0649 \u0648\u062b\u064a\u0642\u0629 \u0633\u0646\u0648\u064a\u0629 \u060c\u060c \u0648\u064a\u062a\u0645 \u062a\u062d\u062f\u064a\u062f \u062a\u0627\u0631\u064a\u062e \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0643\u0630\u0644\u0643 \u062a\u0627\u0631\u064a\u062e \u0627\u0646\u062a\u0647\u0627\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0648\u0642\u062f \u062a\u0646\u0635 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0639\u0644\u0649 \u0627\u0644\u0648\u0642\u062a \u0623\u064a\u0636\u0627\u064b \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 15\/1\/2018 \u0627\u0644\u0633\u0627\u0639\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629 \u0639\u0634\u0631 \u0638\u0647\u0631\u0627\u064b \u060c\u060c<\/p>\n

4\/5 \u0627\u0644\u0642\u0633\u0637 ( \u0642\u0633\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 ) Premium<\/span><\/p>\n

\u0627\u0644\u0642\u0633\u0637 \u0647\u0648 \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0648\u0641\u0627\u0621 \u0644\u0644\u0639\u0642\u062f Consideration of contract \u0641\u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u062f\u0641\u0639 \u0627\u0644\u0642\u0633\u0637 \u0645\u0642\u0627\u0628\u0644 \u062a\u0639\u0647\u062f \u0627\u0644\u0645\u0624\u0645\u0646 \u0628\u062a\u0639\u0648\u064a\u0636\u0647 \u0641\u064a \u062d\u0627\u0644\u0629 \u062d\u062f\u0648\u062b \u062e\u0633\u0627\u0626\u0631 \u0648\u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u062f\u0641\u0639 \u0646\u0642\u062f\u0627\u064b \u0623\u0648 \u0628\u0634\u064a\u0643 \u0642\u0628\u0644 \u0633\u0631\u064a\u0627\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c<\/p>\n

\u0648\u0645\u0639\u062f\u0644 \u0642\u0633\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 (\u0633\u0639\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646) insurance rate \/ premium rate \u0647\u0648 \u0646\u0633\u0628\u0629 \u0645\u0626\u0648\u064a\u0629 \u0623\u0648 \u0646\u0633\u0628\u0629 \u0641\u064a \u0627\u0644\u0623\u0644\u0641 (\u062b\u0644\u0627\u062b\u0629 \u0641\u064a \u0627\u0644\u0623\u0644\u0641 \u0645\u062b\u0644\u0627\u064b) \u064a\u062a\u0645 \u0636\u0631\u0628\u0647\u0627 \u0641\u064a \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u060c\u060c \u0648\u064a\u0648\u062c\u062f \u0633\u0639\u0631 \u062a\u0623\u0645\u064a\u0646 \u0645\u062e\u062a\u0644\u0641 \u0644\u0643\u0644 \u0646\u0648\u0639 \u0645\u0646 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a ( \u0627\u0644\u0645\u0628\u0646\u0649 \u060c \u0648\u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u060c \u0648\u0627\u0644\u0622\u0644\u0627\u062a \u060c \u0648\u0627\u0644\u0645\u062e\u0632\u0648\u0646 )<\/p>\n

4\/6 \u0645\u0643\u0627\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/span><\/p>\n

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* \u0623\u064a \u0634\u0631\u0648\u0637 \u062e\u0627\u0635\u0629 \u060c \u0623\u0648 \u0627\u0634\u062a\u0631\u0627\u0637\u0627\u062a \u062e\u0627\u0635\u0629 \u060c \u0623\u0648 \u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a \u062e\u0627\u0635\u0629 \u060c \u0623\u0648 \u0625\u0636\u0627\u0641\u0629 \u0644\u0644\u063a\u0637\u0627\u0621 (( \u0643\u0625\u0636\u0627\u0641\u0629 \u062e\u0637\u0631 \u0627\u0644\u0632\u0644\u0632\u0627\u0644 \u0625\u0644\u0649 \u063a\u0637\u0627\u0621 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 )) \u064a\u062c\u0628 \u0623\u0646 \u064a\u0630\u0643\u0631 \u0628\u0627\u0644\u062c\u062f\u0648\u0644 \u0623\u0648 \u0628\u0645\u0648\u062c\u0628 \u0645\u0644\u062d\u0642 \u0648\u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0629 \u064a\u062c\u0628 \u0627\u0644\u0643\u062a\u0627\u0628\u0629 \u0639\u0644\u0649 \u0648\u062c\u0647 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0628\u0645\u0627 \u064a\u0641\u064a\u062f \u0648\u062c\u0648\u062f \u0645\u0644\u062d\u0642 \u0623\u0648 \u0643\u0634\u0641 \u0645\u0631\u0641\u0642 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0645\u0644\u062d\u0642 \u064a\u0628\u064a\u0646 \u0639\u062f\u062f \u0627\u0644\u0622\u0644\u0627\u062a \u0648\u0623\u0646\u0648\u0627\u0639\u0647\u0627 \u0648\u0642\u064a\u0645\u062a\u0647\u0627 \u060c\u060c \u0648\u064a\u0635\u0641 \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0648\u0642\u064a\u0645\u062a\u0647\u0627<\/p>\n

\u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u0644\u0648\u062b\u064a\u0642\u0629<\/span><\/p>\n

\u0634\u0631\u0637 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0628\u064a\u0646 \u062d\u0642\u0648\u0642 \u0648\u0648\u0627\u062c\u0628\u0627\u062a \u0643\u0644 \u0645\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0648\u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u060c\u060c<\/p>\n

\u0627\u0644\u0634\u0631\u0637 \u0647\u0648 \u0628\u0646\u062f \u0623\u0648 \u0641\u0642\u0631\u0629 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0628\u064a\u0646 \u062d\u0642\u0648\u0642 \u0648\u0648\u0627\u062c\u0628\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0623\u0648 \u062a\u0628\u064a\u0646 \u062d\u0642\u0648\u0642 \u0648\u0648\u0627\u062c\u0628\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0643\u0645\u0627 \u0647\u0648 \u0627\u0644\u062d\u0627\u0644 \u0641\u064a \u0623\u064a \u0639\u0642\u062f \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0634\u0631\u0637 \u0627\u0644\u0625\u0644\u063a\u0627\u0621 \u0648\u0634\u0631\u0637 \u0627\u0644\u062a\u062d\u0643\u064a\u0645 \u0648\u0634\u0631\u0637 \u0625\u0639\u0627\u062f\u0629 \u0633\u0631\u064a\u0627\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0634\u0631\u0637 \u0627\u0644\u063a\u0634 \u0648\u0634\u0631\u0637 \u0627\u0644\u062d\u0644\u0648\u0644 \u0648\u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0648\u0647\u0643\u0630\u0627 \u060c\u060c \u0648\u0644\u0627 \u062a\u0648\u062c\u062f \u0648\u062b\u064a\u0642\u0629 \u0628\u062f\u0648\u0646 \u0634\u0631\u0648\u0637 \u060c\u060c \u0648\u0627\u0644\u0634\u0631\u0637 \u0647\u0648 \u0627\u0644\u0645\u0635\u0637\u0644\u062d \u0627\u0644\u0639\u0627\u0645 \u060c\u060c \u0644\u0623\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0647\u0648 \u0634\u0631\u0637 \u060c\u060c \u0648\u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0637 \u0647\u0648 \u0634\u0631\u0637 \u0623\u0648 \u0628\u0646\u062f \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 .. \u0648\u0647\u0643\u0630\u0627 \u060c\u060c \u0648\u0642\u062f \u0633\u0628\u0642 \u0623\u0646 \u0634\u0631\u062d\u0646\u0627 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0631\u062f \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0636\u0645\u0646 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0639\u0645\u0648\u0645\u064a\u0629 \u060c\u060c \u0648\u0628\u0639\u0636 \u0627\u0644\u0634\u0631\u0648\u0637 \u0645\u062b\u0644 \u0634\u0631\u0637 \u0627\u0644\u062d\u0644\u0648\u0644 \u0648\u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0648\u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0633\u0628\u0642 \u0634\u0631\u062d\u0647\u0627 \u0641\u064a \u0645\u0642\u0627\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/p>\n

4\/7 \u0634\u0631\u0637 \u062a\u0647\u062f\u0645 \u0627\u0644\u0645\u0628\u0627\u0646\u064a<\/span> fall or displace of buildings<\/span><\/p>\n

\u064a\u0646\u062a\u0647\u064a \u0645\u0641\u0639\u0648\u0644 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u0645\u0644\u0627\u062d\u0642\u0647\u0627 \u0628\u0645\u062c\u0631\u062f \u062a\u0647\u062f\u0645 \u0623\u0648 \u062a\u0635\u062f\u0639 \u0643\u0644\u064a \u0623\u0648 \u062c\u0632\u0626\u064a \u0644\u0644\u0645\u0628\u0627\u0646\u064a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0623\u0648 \u0627\u0644\u0645\u0628\u0627\u0646\u064a \u0627\u0644\u062a\u064a \u062a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0623\u0634\u064a\u0627\u0621 \u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u062a\u0647\u062f\u0645\u0627\u064b \u0623\u0648 \u062a\u0635\u062f\u0639\u0627\u064b \u062c\u0648\u0647\u0631\u064a\u0627\u064b \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u062f\u0631\u062c\u0629 \u062e\u0637\u0631 \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u0628\u0634\u0631\u0637 \u0623\u0644\u0627 \u064a\u0643\u0648\u0646 \u0647\u0630\u0627 \u0627\u0644\u062a\u0647\u062f\u0645 \u0623\u0648 \u0627\u0644\u062a\u0635\u062f\u0639 \u0646\u062a\u064a\u062c\u0629 \u062d\u0631\u064a\u0642 \u0623\u0648 \u062e\u0637\u0631 \u0645\u0636\u0645\u0648\u0646 \u0628\u0647\u0630\u0647 \u0627\u0644\u0648\u062b\u064a\u0642\u0629<\/p>\n

4\/8 \u0627\u0644\u0625\u064a\u0635\u0627\u0644\u0627\u062a<\/span> Receipts<\/span><\/p>\n

\u0644\u0627 \u064a\u0643\u0648\u0646 \u0627\u0644\u0648\u0641\u0627\u0621 \u0628\u0623\u064a \u0642\u0633\u0637 \u0645\u0644\u0632\u0645\u0627\u064b \u0644\u0644\u0634\u0631\u0643\u0629 \u0645\u0627 \u0644\u0645 \u064a\u064f\u0633\u0644\u0645 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0625\u064a\u0635\u0627\u0644 \u0645\u0637\u0628\u0648\u0639 \u0645\u0648\u0642\u0639 \u0639\u0644\u064a\u0647 \u0645\u0646 \u0623\u062d\u062f \u0645\u0633\u062a\u062e\u062f\u0645\u064a \u0627\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0645\u0635\u0631\u062d \u0644\u0647\u0645 \u0628\u0627\u0644\u062a\u062d\u0635\u064a\u0644 \u0648\u0645\u062e\u062a\u0648\u0645 \u0628\u062e\u0627\u062a\u0645 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/p>\n

4\/9 \u0634\u0631\u0637 \u0627\u0644\u0641\u0633\u062e (\u0625\u0644\u063a\u0627\u0621 \u0627\u0644\u0639\u0642\u062f)<\/span> Rescission<\/span><\/p>\n

\u064a\u0639\u062a\u0628\u0631 \u0639\u0642\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0641\u0633\u0648\u062e\u0627\u064b \u0641\u064a \u062d\u0627\u0644\u0629 \u0625\u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0628\u0627\u0644\u062a\u0632\u0627\u0645\u0647 \u0628\u0633\u062f\u0627\u062f \u0642\u0633\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0648\u0644\u0627 \u064a\u0639\u062a\u0628\u0631 \u0627\u0644\u0642\u0633\u0637 \u0645\u0633\u062f\u062f\u0627\u064b \u0625\u0630\u0627 \u0643\u0627\u0646 \u0642\u062f \u062a\u0645 \u0628\u0634\u064a\u0643 \u0625\u0644\u0627 \u0625\u0630\u0627 \u062a\u0645 \u062a\u062d\u0635\u064a\u0644\u0647 \u060c\u060c \u0648\u064a\u062c\u0628 \u0639\u0644\u0649 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0625\u062e\u0637\u0627\u0631 \u0643\u0644 \u0645\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0648\u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u0628\u0647\u0630\u0627 \u0627\u0644\u0641\u0633\u062e \u062d\u062a\u0649 \u064a\u0633\u0631\u064a \u0641\u064a \u0645\u0648\u0627\u062c\u0647\u062a\u0647\u0645\u0627 \u060c\u060c \u0641\u0633\u062e \u0627\u0644\u0639\u0642\u062f \u064a\u062d\u062f\u062b \u0625\u0630\u0627 \u0644\u0645 \u064a\u0648\u0641\u064a \u0623\u062d\u062f \u0637\u0631\u0641\u064a \u0627\u0644\u0639\u0642\u062f \u0628\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0647 \u060c\u060c \u0641\u064a\u0639\u0637\u064a \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0622\u062e\u0631 \u0627\u0644\u062d\u0642 \u0641\u064a \u0641\u0633\u062e \u0627\u0644\u0639\u0642\u062f<\/p>\n

4\/10 \u0634\u0631\u0637 \u0625\u0644\u063a\u0627\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 Cancellation of insurance<\/span><\/p>\n

\u0623 \u0640 \u0644\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062d\u0642 \u0641\u064a \u0625\u0644\u063a\u0627\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0634\u0631\u0637 \u0625\u062e\u0637\u0627\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0642\u0628\u0644 \u0630\u0644\u0643 \u0628\u0633\u0628\u0639\u0629 \u0623\u064a\u0627\u0645 \u0648\u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u062c\u0632\u0621 \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0628\u0646\u0633\u0628\u0629 \u0627\u0644\u0645\u062f\u0629 \u0627\u0644\u0628\u0627\u0642\u064a\u0629 \u0645\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0625\u0644\u0649 \u0645\u062f\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0643\u0644\u0647\u0627 .<\/p>\n

\u0628 \u0640 \u0648\u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0627\u0644\u062d\u0642 \u0641\u064a \u0637\u0644\u0628 \u0625\u0644\u063a\u0627\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0629 \u064a\u0633\u062a\u062d\u0642 \u0644\u0644\u0634\u0631\u0643\u0629 \u062c\u0632\u0621 \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0639\u0646 \u0627\u0644\u0645\u062f\u0629 \u0627\u0644\u0645\u0646\u0642\u0636\u064a\u0629 \u0645\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 ( \u0645\u0646 \u062a\u0627\u0631\u064a\u062e \u0628\u062f\u0621 \u0633\u0631\u064a\u0627\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0625\u0644\u0649 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0625\u0644\u063a\u0627\u0621 ) \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u062c\u062f\u0648\u0644 \u0627\u0644\u0645\u062f\u062f \u0627\u0644\u0642\u0635\u064a\u0631\u0629 (\u0628\u0627\u0644\u062a\u0639\u0631\u064a\u0641\u0629) \u0628\u062d\u062f \u0623\u062f\u0646\u0649 50% \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0633\u0646\u0648\u064a \u0628\u0634\u0631\u0637 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0645\u0637\u0627\u0644\u0628\u0629 \u0642\u062f \u0623\u062b\u064a\u0631\u062a \u0623\u062b\u0646\u0627\u0621 \u0633\u0631\u064a\u0627\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629<\/p>\n

4\/11 \u0627\u0644\u0648\u0635\u0641 \u0627\u0644\u062e\u0627\u0637\u0626<\/span> Misdescription Clause<\/span><\/p>\n

(( \u0634\u0631\u0637 \u0648\u0635\u0641 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 Description of insured property ))<\/p>\n

\u0647\u0630\u0627 \u0627\u0644\u0634\u0631\u0637 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0634\u0631\u0637 \u0627\u0644\u0636\u0645\u0646\u064a \u0648\u0647\u0648 \u062d\u0633\u0646 \u0627\u0644\u0646\u064a\u0629 \u0623\u0648 \u0645\u0646\u062a\u0647\u0649 \u062d\u0633\u0646 \u0627\u0644\u0646\u064a\u0629 \u060c\u060c \u0625\u0646 \u0627\u0644\u0625\u062e\u0644\u0627\u0644 \u0628\u0645\u0628\u062f\u0623 \u062d\u0633\u0646 \u0627\u0644\u0646\u064a\u0629 \u064a\u0639\u0646\u064a \u0633\u0648\u0621 \u0627\u0644\u0646\u064a\u0629 \u0644\u0630\u0627 \u0646\u0635 \u0634\u0631\u0637 \u0648\u0635\u0641 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0639\u0644\u0649 \u0625\u0646\u0647 \u0625\u0630\u0627 \u0623\u062f\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0628\u0628\u064a\u0627\u0646\u0627\u062a \u063a\u064a\u0631 \u0635\u062d\u064a\u062d\u0629 \u0623\u0648 \u0648\u0635\u0641 \u062e\u0627\u0637\u0626 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0623\u0648 \u0623\u062e\u0641\u0649 \u0623\u064a\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0623\u0648 \u0648\u0642\u0627\u0626\u0639 \u062c\u0648\u0647\u0631\u064a\u0629 \u0643\u0627\u0646 \u064a\u062c\u0628 \u0627\u0644\u0625\u0641\u0635\u0627\u062d \u0639\u0646\u0647\u0627 \u0641\u064a \u0637\u0644\u0628 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0641\u0625\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u0639\u062a\u0628\u0631 \u0628\u0627\u0637\u0644\u0627\u064b \u0648\u0644\u0627 \u064a\u0643\u0648\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0645\u0633\u0626\u0648\u0644\u0627\u064b \u0639\u0646 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627<\/p>\n

4\/12 \u0627\u0644\u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0623\u0648 \u0627\u0644\u062a\u063a\u064a\u064a\u0631\u0627\u062a alteration ( changes )<\/span><\/p>\n

\u0634\u0631\u0637 \u0627\u0644\u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0627\u0644\u0645\u0632\u064a\u062f\u0629 \u0644\u0644\u062e\u0637\u0631<\/span><\/p>\n

\u0625\u0646 \u0623\u0647\u0645 \u0627\u0644\u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0637\u0631\u0623 \u0623\u062b\u0646\u0627\u0621 \u0633\u0631\u064a\u0627\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u062a\u0624\u062f\u064a \u0625\u0644\u0649 \u0627\u0644\u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u062e\u0637\u0631 increase in risk \u0647\u0648 \u0627\u0644\u062a\u0639\u062f\u064a\u0644 \u0641\u064a \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0623\u0648 \u0627\u0644\u0635\u0646\u0627\u0639\u064a \u0641\u064a \u0627\u0644\u0645\u0628\u0646\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 \u060c\u060c \u0648\u0646\u0642\u0644 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0645\u0646 \u0627\u0644\u0645\u0628\u0646\u0649 \u0623\u0648 \u0627\u0644\u0645\u0643\u0627\u0646 \u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0625\u0644\u0649 \u0645\u0648\u0642\u0639 \u0622\u062e\u0631 \u0644\u0623\u0646 \u0647\u0630\u0627 \u0627\u0644\u0646\u0642\u0644 \u0642\u062f \u064a\u0632\u064a\u062f \u0645\u0646 \u062f\u0631\u062c\u0629 \u0627\u0644\u062e\u0637\u0631 \u060c\u060c \u0648\u0645\u0646 \u0627\u0644\u0645\u0639\u0631\u0648\u0641 \u0623\u0646 \u0648\u062b\u0627\u0626\u0642 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u062a\u063a\u0637\u064a \u0627\u0644\u0636\u0631\u0631 \u0627\u0644\u0645\u0627\u062f\u064a \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0623\u062b\u0646\u0627\u0621 \u0648\u062c\u0648\u062f\u0647\u0627 \u0641\u064a \u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0645\u062d\u062f\u062f \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0644\u0630\u0627 \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u0646 \u064a\u062e\u0637\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0628\u0647\u0630\u0627 \u0627\u0644\u062a\u063a\u064a\u064a\u0631 \u0625\u0630\u0627 \u0623\u0631\u0627\u062f \u0644\u0644\u063a\u0637\u0627\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a \u0623\u0646 \u064a\u0633\u062a\u0645\u0631 \u060c\u060c \u0648\u062d\u062f\u0648\u062b \u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0641\u064a \u0627\u0644\u0645\u0628\u0646\u0649 \u0627\u0644\u0645\u062c\u0627\u0648\u0631 \u0644\u0644\u0645\u0628\u0646\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 \u0648\u0643\u0627\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u0639\u0644\u0645 \u0628\u0647\u0627 \u060c\u060c \u0623\u0648 \u0639\u062f\u0645 \u0625\u0634\u063a\u0627\u0644 \u0627\u0644\u0645\u0628\u0646\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 \u0644\u0645\u062f\u0629 \u062a\u0632\u064a\u062f \u0639\u0646 \u0633\u062a\u064a\u0646 \u064a\u0648\u0645\u0627\u064b \u060c\u060c \u0623\u0648 \u0642\u062f \u064a\u062d\u062f\u062b \u062a\u063a\u064a\u064a\u0631 \u0641\u064a \u0627\u0644\u0645\u0635\u0644\u062d\u0629 change of interest \u0639\u0646\u062f\u0645\u0627 \u064a\u062a\u0648\u0641\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0648\u062a\u0646\u062a\u0642\u0644 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0625\u0644\u0649 \u0627\u0644\u0648\u0631\u062b\u0629 \u0623\u0648 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u060c\u060c \u0623\u0648 \u0639\u0646\u062f\u0645\u0627 \u064a\u062a\u0645 \u062a\u0639\u064a\u064a\u0646 \u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0641\u0644\u064a\u0633\u0629 \u060c\u060c \u0623\u0648 \u0639\u0646\u062f\u0645\u0627 \u062a\u0646\u062a\u0642\u0644 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0625\u0644\u0649 \u0645\u0634\u062a\u0631\u064a \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u060c\u060c \u0648\u0647\u0630\u0647 \u0627\u0644\u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0627\u0644\u062c\u0648\u0647\u0631\u064a\u0629 \u0645\u0646 \u0634\u0623\u0646\u0647\u0627 \u0632\u064a\u0627\u062f\u0629 \u062f\u0631\u062c\u0629 \u0627\u0644\u062e\u0637\u0631 \u0644\u0630\u0627 \u064a\u062c\u0628 \u0625\u0628\u0644\u0627\u063a \u0647\u0630\u0647 \u0627\u0644\u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0625\u0644\u0649 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0645\u064a\u0639\u0627\u062f \u063a\u0627\u064a\u062a\u0647 \u0639\u0634\u0631\u0629 \u0623\u064a\u0627\u0645 \u0645\u0646 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0639\u0644\u0645 \u0628\u0647\u0627 \u060c\u060c \u0623\u0648 \u0633\u062a\u064a\u0646 \u064a\u0648\u0645\u0627\u064b \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0644\u064a\u0648\u0627\u0641\u0642 \u0623\u0648 \u0644\u0627 \u064a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0641\u0625\u0630\u0627 \u0648\u0627\u0641\u0642 \u0641\u0625\u0646\u0647 \u064a\u0635\u062f\u0631 \u0625\u0634\u0639\u0627\u0631 Memorandum \u0628\u0647\u0630\u0647 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u060c\u060c \u0648\u0642\u062f \u064a\u0637\u0644\u0628 \u0645\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0642\u0633\u0637 \u0625\u0636\u0627\u0641\u064a \u0641\u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u0646 \u064a\u062f\u0641\u0639 \u0645\u0627 \u0642\u062f \u064a\u0633\u062a\u062d\u0642 \u0639\u0644\u064a\u0647 \u0645\u0646 \u0642\u0633\u0637 \u0625\u0636\u0627\u0641\u064a \u060c\u060c \u0648\u0625\u0644\u0627 \u0633\u0642\u0637 \u062d\u0642\u0647 \u0641\u064a \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u060c\u060c \u0648\u0644\u0647\u0630\u0627 \u0627\u0644\u0634\u0631\u0637 \u0627\u0631\u062a\u0628\u0627\u0637 \u0628\u0634\u0631\u0637 \u0648\u0635\u0641 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0625\u0630\u0627 \u062d\u062f\u062b \u062a\u0639\u062f\u064a\u0644 \u0641\u064a\u0647\u0627 \u0628\u0639\u062f \u062a\u0642\u062f\u064a\u0645 \u0637\u0644\u0628 \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/p>\n

4\/13 \u0634\u0631\u0637 \u0648\u0627\u062c\u0628\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646\u062f \u0648\u0642\u0648\u0639 \u062d\u0627\u062f\u062b<\/span><\/p>\n

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4\/15 \u062d\u0642\u0648\u0642 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0639\u062f \u062d\u062f\u0648\u062b \u062d\u0627\u062f\u062b \u0627\u0644\u062d\u0631\u064a\u0642<\/span><\/p>\n

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\u0648\u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u062a\u0645\u0646\u0639 \u062d\u0642 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u064a \u0627\u0644\u062a\u062e\u0644\u064a Abandonment \u0648\u0625\u0646 \u0643\u0627\u0646 \u0645\u0633\u0645\u0648\u062d\u0627\u064b \u0628\u0647 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u062d\u0631\u064a \u060c\u060c \u0625\u0646 \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0642 \u0641\u064a \u0627\u062e\u062a\u064a\u0627\u0631 \u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u062a\u0631\u064a\u062f \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u064a \u0627\u0644\u0645\u062e\u0644\u0641\u0627\u062a \u0628\u0645\u0639\u0646\u0649 \u0627\u0646\u062a\u0642\u0627\u0644 \u0645\u0644\u0643\u064a\u0629 \u0647\u0630\u0647 \u0627\u0644\u0645\u062e\u0644\u0641\u0627\u062a \u0625\u0644\u064a\u0647\u0627 \u0641\u064a \u0645\u0642\u0627\u0628\u0644 \u062f\u0641\u0639\u0647\u0627 \u062e\u0633\u0627\u0631\u0629 \u0643\u0644\u064a\u0629 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u060c\u060c \u0641\u0647\u064a \u063a\u064a\u0631 \u0645\u0644\u0632\u0645\u0629 \u0628\u0623\u0646 \u062a\u0642\u0628\u0644 \u0627\u0644\u062a\u062e\u0644\u064a \u0648\u0644\u0643\u0646\u0647\u0627 \u0625\u0630\u0627 \u0642\u0631\u0631\u062a \u0642\u0628\u0648\u0644 \u0627\u0644\u062a\u062e\u0644\u064a \u0641\u0627\u0646 \u0644\u0647\u0627 \u0627\u0644\u062d\u0642 \u0641\u064a \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u064a \u0627\u0644\u0645\u062e\u0644\u0641\u0627\u062a \u0648\u0627\u0644\u062a\u0635\u0631\u0641 \u0641\u064a\u0647\u0627 \u0628\u0627\u0644\u0628\u064a\u0639 \u060c\u060c \u0648\u064a\u0639\u062a\u0645\u062f \u0642\u0628\u0648\u0644 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0644\u062a\u062e\u0644\u064a \u0639\u0644\u064a \u062f\u0631\u062c\u0629 \u0627\u0644\u0636\u0631\u0631 \u0627\u0644\u0645\u0644\u062d\u0642 \u0628\u0627\u0644\u0634\u064a\u0621 \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0648\u0642\u062f \u062a\u0637\u0631\u062d \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062e\u0644\u0641\u0627\u062a \u0645\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0648\u062a\u062a\u0631\u0643 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u062d\u0631\u064a\u0629 \u0627\u0644\u062a\u0635\u0631\u0641 \u0641\u064a\u0647\u0627 \u060c\u060c<\/p>\n

4\/16 \u0634\u0631\u0637 \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u0634\u064a\u0621 \u0625\u0644\u0649 \u0623\u0635\u0644\u0647 \u0623\u0648 \u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647<\/span><\/p>\n

Reinstatement or Replacement<\/p>\n

\u0627\u0644\u0648\u0636\u0639 \u0627\u0644\u0639\u0627\u062f\u064a \u0647\u0648 \u0623\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0643\u0648\u0646 \u0645\u0644\u062a\u0632\u0645\u0629 \u0628\u0623\u0646 \u062a\u062f\u0641\u0639 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0641\u064a \u0635\u0648\u0631\u0629 \u0646\u0642\u0648\u062f \u0645\u0627 \u0644\u0645 \u064a\u062a\u0645 \u0648\u0636\u0639 \u0634\u0631\u0637 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0628\u062e\u0644\u0627\u0641 \u0630\u0644\u0643 \u060c\u060c \u0648\u0634\u0631\u0637 \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u0634\u064a\u0621 \u0625\u0644\u0649 \u0623\u0635\u0644\u0647 \u0623\u0648 \u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647 \u064a\u0639\u0637\u064a \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0642 \u0641\u064a \u0623\u0646 \u062a\u0639\u064a\u062f \u0627\u0644\u0634\u064a\u0621 \u0627\u0644\u0647\u0627\u0644\u0643 \u0623\u0648 \u0627\u0644\u062a\u0627\u0644\u0641 \u0625\u0644\u0649 \u0623\u0635\u0644\u0647 \u0623\u0648 \u062a\u0633\u062a\u0628\u062f\u0644\u0647 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0623\u0646 \u062a\u062f\u0641\u0639 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0646\u0642\u062f\u0627\u064b \u060c\u060c \u0648\u0645\u0635\u0637\u0644\u062d Reinstatement \u0644\u0647 \u0645\u0639\u0627\u0646\u064a \u0645\u062a\u0639\u062f\u062f\u0629 \u062a\u062b\u064a\u0631 \u0627\u0644\u0627\u0644\u062a\u0628\u0627\u0633 \u0648\u0627\u0644\u0627\u0631\u062a\u0628\u0627\u0643 \u060c\u060c \u0641\u0647\u0648 \u064a\u0639\u0646\u064a \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u0634\u064a\u0621 \u0625\u0644\u0649 \u0623\u0635\u0644\u0647 \u060c\u060c \u0639\u0644\u0649 \u0627\u0644\u0646\u062d\u0648 \u0627\u0644\u0648\u0627\u0631\u062f \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0634\u0631\u0637 \u060c\u060c \u0648\u0644\u0643\u0646\u0647 \u064a\u0639\u0646\u064a \u0623\u064a\u0636\u0627\u064b \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0639\u0646\u062f\u0645\u0627 \u0646\u0642\u0648\u0644 \u0648\u062b\u064a\u0642\u0629 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 Reinstatement policy \u0648\u062d\u062a\u0649 \u0646\u0639\u0631\u0641 \u0627\u0644\u0641\u0631\u0642 \u0644\u0646\u0641\u062a\u0631\u0636 \u0623\u0646 \u0635\u0627\u062d\u0628 \u0645\u0635\u0646\u0639 \u0642\u062f \u0623\u0634\u062a\u0631\u0649 \u0645\u0627\u0643\u064a\u0646\u0629 \u0628\u0645\u0628\u0644\u063a 18 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u062b\u0645 \u0647\u0644\u0643\u062a \u0627\u0644\u0645\u0627\u0643\u064a\u0646\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0628\u0639\u062f \u062e\u0645\u0633\u0629 \u0633\u0646\u0648\u0627\u062a \u0646\u062a\u064a\u062c\u0629 \u062d\u0627\u062f\u062b \u060c\u060c 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4\/17 \u0634\u0631\u0637 \u0625\u0639\u0627\u062f\u0629 \u0633\u0631\u064a\u0627\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/span><\/p>\n

Reinstatement of sum insured<\/p>\n

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4\/18 \u0634\u0631\u0637 \u0627\u0644\u063a\u0634 \u0623\u0648 \u0634\u0631\u0637 \u0633\u0642\u0648\u0637 \u0627\u0644\u062d\u0642 (\u0645\u0635\u0627\u062f\u0631\u062a\u0647)<\/span><\/p>\n

fraud \/ forfeiture of rights<\/p>\n

\u062a\u0633\u062a\u062b\u0646\u064a \u0643\u0644 \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0641\u062a\u0639\u0627\u0644 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0628\u0648\u0627\u0633\u0637\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u0648 \u0645\u0646 \u064a\u0646\u0648\u0628\u0647 \u060c\u060c \u0648\u0627\u0644\u0641\u0639\u0644 \u0627\u0644\u0645\u062a\u0639\u0645\u062f \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0647\u0648 \u0623\u0646 \u064a\u062d\u0631\u0642 \u0623\u0648 \u064a\u062a\u0644\u0641 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0645\u062a\u0639\u0645\u062f\u0627\u064b \u060c\u060c \u0648\u062d\u062a\u0649 \u0644\u0648 \u0644\u0645 \u064a\u0630\u0643\u0631 \u0634\u0631\u0637 \u0627\u0644\u063a\u0634 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0641\u0647\u0648 \u0634\u0631\u0637 \u0636\u0645\u0646\u064a implied term \u064a\u062a\u0639\u0644\u0642 \u0628\u0623\u062e\u0644\u0627\u0642 \u0648\u0633\u0644\u0648\u0643 \u0648\u062a\u0635\u0631\u0641\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u0648 \u0645\u0646 \u064a\u0646\u0648\u0628\u0647 \u060c \u0648\u0623\u062e\u0644\u0627\u0642 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u062a\u0645\u062b\u0644 \u0627\u0644\u062e\u0637\u0648\u0631\u0629 \u0627\u0644\u0623\u062e\u0644\u0627\u0642\u064a\u0629 \u0623\u0648 \u0627\u0644\u0633\u0644\u0648\u0643\u064a\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u064a\u062d\u062f\u062b \u0623\u0646 \u062a\u0643\u0648\u0646 \u0627\u0644\u0633\u0644\u0639 \u0631\u0627\u0643\u062f\u0629 \u0628\u0645\u062d\u0644 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u0648 \u0623\u0646\u0647 \u064a\u0631\u064a\u062f \u062a\u063a\u064a\u064a\u0631 \u0645\u0645\u062a\u0644\u0643\u0627\u062a\u0647 \u0641\u064a\u0641\u062a\u0639\u0644 \u062d\u0631\u064a\u0642 \u0628\u0642\u0635\u062f \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062a\u0639\u0648\u064a\u0636 \u0628\u0642\u064a\u0645\u0629 \u0647\u0630\u0647 \u0627\u0644\u0633\u0644\u0639 \u0623\u0648 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u060c\u060c \u0648\u0642\u062f \u064a\u062d\u062f\u062b \u0627\u0644\u062d\u0631\u064a\u0642 \u0642\u0636\u0627\u0621 \u0648\u0642\u062f\u0631( \u062f\u0648\u0646 \u0639\u0645\u062f ) \u0648\u0644\u0643\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u0642\u062f\u0645 \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0632\u0648\u0631\u0629 \u0623\u0648 \u062d\u0633\u0627\u0628\u0627\u062a \u0645\u0632\u0648\u0631\u0629 \u0639\u0646 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0623\u0648 \u064a\u0628\u0627\u0644\u063a \u0641\u064a \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0645\u0628\u0627\u0644\u063a\u0629 \u0645\u0641\u0631\u0637\u0629 \u0648\u0644\u0643\u0646 \u0627\u0644\u0645\u0628\u0627\u0644\u063a\u0629 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 \u0644\u0627 \u062a\u0635\u0644 \u0625\u0644\u0649 \u062f\u0631\u062c\u0629 \u0627\u0644\u063a\u0634 \u060c\u060c \u0648\u0642\u062f \u0646\u0635 \u0634\u0631\u0637 \u0633\u0642\u0648\u0637 \u0627\u0644\u062d\u0642 \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0639\u0644\u0649 \u0623\u0646 \u062a\u0633\u0642\u0637 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0648\u062e\u0644\u0641\u0627\u0626\u0647 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0639\u0646 \u0647\u0630\u0647 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0625\u0630\u0627 \u0648\u0642\u0639 \u062d\u0627\u062f\u062b \u062d\u0631\u064a\u0642 \u0628\u0641\u0639\u0644 \u0645\u062a\u0639\u0645\u062f \u0645\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u0648 \u0628\u0627\u0644\u062a\u0648\u0627\u0637\u0624 \u0645\u0639\u0647 \u060c\u060c \u0623\u0648 \u0625\u0630\u0627 \u0627\u0646\u0637\u0648\u062a \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645 \u0628\u0647\u0627 \u0639\u0644\u0649 \u063a\u0634 \u0623\u0648 \u0625\u0630\u0627 \u0642\u062f\u0645 \u0628\u064a\u0627\u0646\u0627\u062a \u063a\u064a\u0631 \u0635\u062d\u064a\u062d\u0629 \u060c\u060c \u0623\u0648 \u0625\u0630\u0627 \u0627\u0633\u062a\u062e\u062f\u0645 \u0637\u0631\u0642\u0627\u064b \u0643\u0627\u0630\u0628\u0629 \u0623\u0648 \u0627\u062d\u062a\u064a\u0627\u0644\u064a\u0629 \u0628\u0642\u0635\u062f \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0623\u064a\u0629 \u0641\u0627\u0626\u062f\u0629 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0647 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 .<\/p>\n

\u060c\u060c \u0648\u0641\u064a \u0645\u062b\u0644 \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0641\u0625\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0631\u0641\u0636 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0641\u064a\u0644\u062c\u0623 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0625\u0644\u0649 \u0627\u0644\u0642\u0636\u0627\u0621 \u0648\u064a\u0642\u0639 \u0639\u0644\u0649 \u0639\u0627\u062a\u0642 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0625\u062b\u0628\u0627\u062a \u0627\u0644\u063a\u0634<\/p>\n

\u0648\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0645\u062e\u0632\u0648\u0646 \u0641\u0625\u0646\u0647 \u064a\u0646\u0628\u063a\u064a \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0625\u0645\u0633\u0627\u0643 \u062f\u0641\u0627\u062a\u0631 \u0645\u062d\u0627\u0633\u0628\u064a\u0629 \u062a\u0628\u064a\u0646 \u062d\u0631\u0643\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u062d\u062a\u0649 \u0644\u0627 \u064a\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u064a \u0623\u0631\u0642\u0627\u0645 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u060c\u060c \u0648\u0642\u062f \u064a\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u064a \u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u0628\u063a\u0631\u0636 \u062a\u062f\u0639\u064a\u0645 \u0645\u0631\u0643\u0632\u0647 \u0627\u0644\u062a\u0641\u0627\u0648\u0636\u064a \u0645\u0639 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0641\u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0623\u0645\u0631 \u0643\u0630\u0644\u0643 \u0641\u0625\u0646\u0647 \u0642\u062f \u064a\u062a\u0645 \u062a\u0633\u0648\u064a\u0629 \u0648\u062f\u064a\u0629 \u0645\u0639 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0631\u0641\u0636 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u060c\u060c \u0648\u0642\u062f \u0623\u0643\u062f \u0634\u0631\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u062e\u0627\u0632\u0646 \u060c\u060c \u0648\u0634\u0631\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u062e\u0632\u0627\u0626\u0646 \u0639\u0644\u0649 \u0636\u0631\u0648\u0631\u0629 \u0625\u0645\u0633\u0627\u0643 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0644\u0644\u0633\u062c\u0644\u0627\u062a \u0627\u0644\u062e<\/p>\n

4\/19 \u0634\u0631\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u062e\u0627\u0632\u0646 \u0648\u0627\u0644\u0645\u062d\u0644\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629<\/span><\/p>\n

\u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u064a \u0627\u0644\u0645\u062e\u0627\u0632\u0646 \u0648\u0627\u0644\u0645\u062d\u0644\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u064a\u062a\u0639\u064a\u0646 \u0648\u062c\u0648\u062f \u0646\u0638\u0627\u0645 \u0645\u062d\u0627\u0633\u0628\u064a \u064a\u0648\u0636\u062d \u062d\u0631\u0643\u0629 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0648\u0627\u0644\u062e\u0627\u0631\u062c\u0629 \u0644\u0644\u0627\u0633\u062a\u062f\u0644\u0627\u0644 \u0639\u0644\u064a \u0623\u0631\u0635\u062f\u062a\u0647\u0627 \u064a\u0648\u0645 \u0627\u0644\u062d\u0627\u062f\u062b \u0645\u0628\u0627\u0634\u0631\u0629 \u0648\u0644\u0627 \u064a\u062a\u0639\u062f\u064a \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0623\u0631\u0635\u062f\u0629 \u0627\u0644\u0645\u062f\u0648\u0646\u0629 \u0628\u0647\u0630\u0627 \u0627\u0644\u0646\u0638\u0627\u0645 \u064a\u0648\u0645 \u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b \u0648\u0641\u064a \u062d\u062f\u0648\u062f \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629<\/p>\n

4\/20 \u0634\u0631\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u064a \u0627\u0644\u062e\u0632\u0627\u0626\u0646 Safes<\/span><\/p>\n

\u064a\u062a\u0639\u064a\u0646 \u0639\u0644\u064a \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0625\u0645\u0633\u0627\u0643 \u062f\u0641\u0627\u062a\u0631 \u0645\u062f\u0639\u0645\u0629 \u0628\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u064a\u0633\u062c\u0644 \u0628\u0647\u0627 \u062d\u0631\u0643\u0629 \u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062e\u0632\u064a\u0646\u0629 \u0628\u0635\u0641\u0629 \u062f\u0648\u0631\u064a\u0629 \u0645\u0646\u062a\u0638\u0645\u0629 \u060c\u060c \u0648\u0623\u0646 \u064a\u062d\u062a\u0641\u0638 \u0628\u0647\u0630\u0647 \u0627\u0644\u0633\u062c\u0644\u0627\u062a \u0648\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0641\u064a \u0645\u0643\u0627\u0646 \u0623\u0645\u064a\u0646 \u0628\u0639\u064a\u062f\u0627\u064b \u0639\u0646 \u0645\u0643\u0627\u0646 \u0648\u062c\u0648\u062f \u0627\u0644\u062e\u0632\u064a\u0646\u0629 \u060c\u060c \u0648\u0644\u0627 \u062a\u062a\u0639\u062f\u064a \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0634\u0631\u0643\u0629 \u0642\u064a\u0645\u0629 \u0623\u0631\u0635\u062f\u0629 \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u062f\u0648\u0646\u0629 \u0628\u0647\u0630\u0647 \u0627\u0644\u0633\u062c\u0644\u0627\u062a \u0648\u0641\u064a \u062d\u062f\u0648\u062f \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0647\u0630\u0627 \u0627\u0644\u0628\u0646\u062f<\/p>\n

4\/21 \u0634\u0631\u0637 \u0627\u0644\u062a\u0642\u0627\u062f\u0645<\/span> Prescription<\/span><\/p>\n

\u062a\u0628\u0631\u0623 \u0630\u0645\u0629 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u062f\u0641\u0639 \u0642\u064a\u0645\u0629 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0623\u0648 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0646\u0627\u062c\u0645\u0629 \u0639\u0646 \u0627\u0644\u062d\u0627\u062f\u062b \u0628\u0639\u062f \u0627\u0646\u0642\u0636\u0627\u0621 \u062b\u0644\u0627\u062b \u0633\u0646\u0648\u0627\u062a \u0645\u0646 \u0639\u0644\u0645 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0628\u0647 \u060c\u060c \u0645\u0627 \u0644\u0645 \u064a\u0643\u0646 \u0647\u0646\u0627\u0643 \u062e\u0628\u0631\u0629 \u0623\u0648 \u062a\u062d\u0643\u064a\u0645\u0627\u064b \u0623\u0648 \u062f\u0639\u0648\u0649 \u0642\u0636\u0627\u0626\u064a\u0629 \u0642\u0627\u0626\u0645\u0629 \u0648\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 .<\/p>\n

4\/25 \u0634\u0631\u0637 \u0627\u0644\u062a\u062d\u0643\u064a\u0645<\/span> Arbitration clause<\/span><\/p>\n

\u0625\u0630\u0627 \u0623\u062e\u062a\u0644\u0641 \u0627\u0644\u0645\u0624\u0645\u0646 \u0648\u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u064a \u062a\u062d\u062f\u064a\u062f \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u060c\u060c \u0641\u0643\u0644\u064d \u0645\u0646\u0647\u0645\u0627 \u064a\u0639\u064a\u0646 \u0645\u064f\u062d\u0643\u0650\u0645 \u0648\u064a\u0639\u064a\u0646 \u0627\u0644\u0645\u064f\u062d\u0643\u0645\u0627\u0646 \u0627\u0644\u0627\u062b\u0646\u0627\u0646 \u0645\u064f\u062d\u0643\u0650\u0645 \u0645\u064f\u0631\u062c\u0650\u062d umpire \u064a\u0631\u062c\u062d \u0628\u064a\u0646\u0647\u0645\u0627 \u0641\u064a \u0627\u0644\u0645\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u064a \u064a\u062e\u062a\u0644\u0641\u0627\u0646 \u0641\u064a\u0647\u0627 \u060c\u060c \u0648\u064a\u062a\u062d\u0645\u0644 \u0643\u0644 \u0637\u0631\u0641 \u0623\u062a\u0639\u0627\u0628 \u0627\u0644\u0645\u064f\u062d\u0643\u0650\u0645 \u0627\u0644\u0630\u064a \u0639\u064a\u0646\u0647 \u060c\u060c \u0623\u0645\u0627 \u0623\u062a\u0639\u0627\u0628 \u0627\u0644\u0645\u064f\u062d\u0643\u0650\u0645 \u0627\u0644\u062b\u0627\u0644\u062b \u0627\u0644\u0645\u064f\u0631\u062c\u0650\u062d \u0641\u064a\u062a\u062d\u0645\u0644\u0647\u0627 \u0627\u0644\u0645\u0624\u0645\u0646 \u0648\u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0645\u0646\u0627\u0635\u0641\u0629 \u060c\u060c \u0644\u0630\u0627 \u064a\u0643\u0648\u0646 \u0642\u0631\u0627\u0631 \u0623\u064a \u0627\u062b\u0646\u064a\u0646 \u0645\u0646 \u0627\u0644\u0645\u064f\u062d\u0643\u0650\u0645\u064a\u0646 \u0645\u064f\u0644\u0632\u0645\u0627\u064b \u0644\u0637\u0631\u0641\u064a \u0627\u0644\u0646\u0632\u0627\u0639 \u060c\u060c \u0641\u0625\u0646 \u0644\u0645 \u064a\u0642\u062a\u0646\u0639 \u0623\u064a\u0627\u064b \u0645\u0646 \u0627\u0644\u0637\u0631\u0641\u064a\u0646 \u0628\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u064f\u062d\u0643\u0650\u0645\u064a\u0646 \u062c\u0627\u0632 \u0644\u0647 \u0627\u0644\u0644\u062c\u0648\u0621 \u0625\u0644\u0649 \u0627\u0644\u0642\u0636\u0627\u0621 \u060c\u060c \u0648\u0644\u0627 \u064a\u062c\u0648\u0632 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0631\u0641\u0639 \u0623\u064a \u062f\u0639\u0648\u0649 \u0642\u0636\u0627\u0626\u064a\u0629 \u0639\u0644\u064a \u0627\u0644\u0645\u0624\u0645\u0646 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0647 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0625\u0644\u0627 \u0628\u0639\u062f \u0627\u0646\u062a\u0647\u0627\u0621 \u0627\u0644\u0645\u064f\u062d\u0643\u0650\u0645\u064a\u0646 \u0645\u0646 \u0623\u062f\u0627\u0621 \u0645\u0647\u0645\u062a\u0647\u0645 \u0623\u0648 \u0627\u0646\u0642\u0636\u0627\u0621 \u0633\u062a\u0629 \u0623\u0634\u0647\u0631 \u0628\u0639\u062f \u062a\u0639\u064a\u064a\u0646 \u0627\u0644\u0645\u064f\u062d\u0643\u0650\u0645\u064a\u0646 \u062f\u0648\u0646 \u0627\u0644\u0641\u0635\u0644 \u0641\u064a \u0627\u0644\u0646\u0632\u0627\u0639<\/p>\n

\u0648\u0625\u0630\u0627 \u0644\u0645 \u064a\u0642\u0648\u0645 \u0623\u062d\u062f \u0627\u0644\u0637\u0631\u0641\u064a\u0646 ( \u0627\u0644\u0645\u0624\u0645\u0646 \u0648\u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 ) \u0628\u062a\u0639\u064a\u064a\u0646 \u0645\u064f\u062d\u0643\u0650\u0645 \u0645\u0646 \u0637\u0631\u0641\u0647 \u0641\u064a \u062e\u0644\u0627\u0644 \u0634\u0647\u0631\u064a\u0646 \u0645\u0646 \u062a\u0633\u0644\u0645\u0647 \u062e\u0637\u0627\u0628\u0627\u064b \u0645\u0648\u0635\u0649 \u0639\u0644\u064a\u0647 \u060c\u060c \u064a\u0631\u0633\u0644\u0647 \u0625\u0644\u064a\u0647 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0622\u062e\u0631 \u0648\u064a\u0643\u0644\u0641\u0647 \u0641\u064a\u0647 \u0628\u0630\u0644\u0643 \u060c\u060c \u0643\u0627\u0646 \u0644\u0647\u0630\u0627 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0622\u062e\u0631 \u0627\u0644\u062d\u0642 \u0641\u064a \u0623\u0646 \u064a\u0637\u0644\u0628 \u0645\u0646 \u0642\u0627\u0636\u064a \u0627\u0644\u0623\u0645\u0648\u0631 \u0627\u0644\u0645\u0633\u062a\u0639\u062c\u0644\u0629 \u062a\u0639\u064a\u064a\u0646 \u0627\u0644\u0645\u064f\u062d\u0643\u0645 .<\/p>\n

\u0648\u0641\u064a \u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u062a\u064a \u0644\u0627 \u064a\u062a\u0641\u0642 \u0641\u064a\u0647\u0627 \u0627\u0644\u0645\u064f\u062d\u0643\u0645\u0627\u0646 \u0639\u0644\u064a \u0627\u062e\u062a\u064a\u0627\u0631 \u0645\u064f\u062d\u0643\u0650\u0645 \u0645\u064f\u0631\u062c\u0650\u062d \u064a\u0642\u0648\u0645 \u0628\u0627\u0644\u062a\u0631\u062c\u064a\u062d \u0628\u064a\u0646\u0647\u0645\u0627 \u064a\u062a\u0648\u0644\u064a \u0642\u0627\u0636\u064a \u0627\u0644\u0623\u0645\u0648\u0631 \u0627\u0644\u0645\u0633\u062a\u0639\u062c\u0644\u0629 \u062a\u0639\u064a\u064a\u0646\u0647 \u0628\u0646\u0627\u0621\u0627\u064b \u0639\u0644\u064a \u0637\u0644\u0628 \u0623\u062d\u062f \u0627\u0644\u0637\u0631\u0641\u064a\u0646<\/p>\n

\u0648\u0627\u0644\u062d\u0643\u0645\u0629 \u0648\u0631\u0627\u0621 \u0634\u0631\u0637 \u0627\u0644\u062a\u062d\u0643\u064a\u0645 \u0647\u0648 \u0633\u0631\u0639\u0629 \u0627\u0644\u0641\u0635\u0644 \u0641\u064a \u0627\u0644\u0645\u0646\u0627\u0632\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/p>\n

4\/26 \u0627\u0644\u0645\u062d\u0627\u0643\u0645 \u0627\u0644\u0645\u062e\u062a\u0635\u0629<\/span> Jurisdiction<\/span><\/p>\n

\u0627\u0644\u0645\u0646\u0627\u0632\u0639\u0627\u062a \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0646\u0634\u0623 \u0639\u0646 \u062a\u0641\u0633\u064a\u0631 \u0647\u0630\u0647 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0623\u0648 \u062a\u0646\u0641\u064a\u0630\u0647\u0627 \u062a\u0643\u0648\u0646 \u0645\u0646 \u0627\u062e\u062a\u0635\u0627\u0635 \u0627\u0644\u0645\u062d\u0643\u0645\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u0639 \u0641\u064a \u062f\u0627\u0626\u0631\u062a\u0647\u0627 \u0627\u0644\u062c\u0647\u0629 \u0627\u0644\u062a\u064a \u0623\u0635\u062f\u0631\u062a \u0627\u0644\u0648\u062b\u064a\u0642\u0629<\/p>\n

4\/27 \u0634\u0631\u0637 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629<\/span> insurable interest clause<\/span><\/p>\n

\u0623\u0646 \u0627\u0644\u063a\u0631\u0636 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0634\u0631\u0637 \u0647\u0648 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0634\u062e\u0635 \u0627\u0644\u0630\u064a \u0633\u0648\u0641 \u064a\u0633\u062a\u0644\u0645 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u060c\u060c \u0625\u0646 \u0647\u0630\u0627 \u0627\u0644\u0634\u062e\u0635 \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0644\u0647 \u0645\u0635\u0644\u062d\u0629 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0634\u064a\u0621 \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u064a \u0627\u0644\u0623\u0642\u0644 \u0641\u064a \u0648\u0642\u062a \u062d\u062f\u0648\u062b \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0642\u062f \u0627\u0646\u062a\u0642\u0644\u062a \u0625\u0644\u064a\u0647 \u0628\u0639\u062f \u0628\u062f\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0628\u064a\u0639 \u0627\u0644\u0634\u064a\u0621 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 \u0623\u0648 \u0628\u0645\u0642\u062a\u0636\u0649 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u060c\u060c \u0648\u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0644\u0647 \u0645\u0635\u0644\u062d\u0629 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0634\u064a\u0621 \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0646\u062f \u0628\u062f\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0641\u064a \u0648\u0642\u062a \u062d\u062f\u0648\u062b \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u060c\u060c \u0641\u0625\u0630\u0627 \u0643\u0627\u0646 \u0642\u062f \u0628\u0627\u0639 \u0647\u0630\u0627 \u0627\u0644\u0634\u064a\u0621 \u0641\u0625\u0646 \u0645\u0635\u0644\u062d\u062a\u0647 \u062a\u0643\u0648\u0646 \u0642\u062f \u0627\u0646\u062a\u0647\u062a \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u060c\u060c \u0648\u0625\u0646 \u0644\u0645 \u064a\u0643\u0646 \u0644\u0647 \u0645\u0635\u0644\u062d\u0629 \u0639\u0646\u062f \u0628\u062f\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u0625\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0644\u0627 \u062a\u0643\u0648\u0646 \u0633\u0627\u0631\u064a\u0629 \u0644\u0623\u0646 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629 expectant interest \u0644\u0627 \u062a\u0643\u0641\u064a \u0644\u0644\u0628\u0642\u0627\u0621 \u0639\u0644\u0649 \u0639\u0642\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/p>\n

\u0648\u0641\u064a \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0642\u062f\u064a\u0645\u0629 \u0643\u0627\u0646 \u064a\u062f\u0631\u062c \u0634\u0631\u0637 \u064a\u0633\u0645\u0649 \u0634\u0631\u0637 \u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u0645\u0634\u062a\u0631\u064a purchaser\u2019s interest clause \u064a\u0646\u0635 \u0639\u0644\u0649 \u0625\u0646\u0647 \u0641\u064a \u062d\u0627\u0644\u0629 \u0628\u064a\u0639 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0644\u0644\u0645\u0628\u0646\u0649 \u0641\u0625\u0646 \u0627\u0644\u0645\u0628\u0646\u0649 \u064a\u0643\u0648\u0646 \u0633\u0627\u0631\u064a \u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0648\u0627\u0644\u0645\u0634\u062a\u0631\u064a \u062d\u062a\u0649 \u0627\u0633\u062a\u0643\u0645\u0627\u0644 \u0627\u0644\u0628\u064a\u0639 \u0628\u0634\u0631\u0637 \u0623\u0646 \u0644\u0627 \u064a\u0643\u0648\u0646 \u0627\u0644\u0645\u0634\u062a\u0631\u064a \u0642\u062f \u0627\u0628\u0631\u0645 \u062a\u0623\u0645\u064a\u0646 \u0622\u062e\u0631 \u0648\u0623\u0646 \u064a\u062a\u0645 \u0625\u062e\u0637\u0627\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u060c\u060c \u0648\u0628\u0639\u062f \u0627\u0633\u062a\u0643\u0645\u0627\u0644 \u0627\u0644\u0634\u0631\u0627\u0621 \u062a\u0643\u0648\u0646 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0642\u062f \u0627\u0646\u062a\u0642\u0644\u062a \u0625\u0644\u0649 \u0627\u0644\u0645\u0634\u062a\u0631\u064a \u060c\u060c \u0625\u0644\u0627 \u0623\u0646 \u0647\u0630\u0627 \u0627\u0644\u0634\u0631\u0637 \u0642\u062f \u062a\u0645 \u062f\u0645\u062c\u0647 \u0636\u0645\u0646\u064a\u0627\u064b \u0636\u0645\u0646 \u0634\u0631\u0637 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u062d\u062f\u064a\u062b\u0629<\/p>\n

\u0648\u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0646\u062a\u0642\u0627\u0644 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0625\u0644\u0649 \u0627\u0644\u063a\u064a\u0631 \u0628\u0627\u0644\u0648\u0635\u064a\u0629 \u0623\u0648 \u0627\u0644\u0647\u0628\u0629 \u0623\u0648 \u0628\u0645\u0642\u062a\u0636\u0649 \u0646\u0635 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 by operation of law \u0641\u0625\u0646\u0647 \u064a\u062c\u0628 \u0639\u0644\u064a \u0627\u0644\u0648\u0631\u062b\u0629 \u0623\u0648 \u0627\u0644\u0645\u064f\u0644\u0627\u0643 \u0627\u0644\u062c\u062f\u062f \u0625\u062e\u0637\u0627\u0631 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0630\u0644\u0643 \u0641\u064a \u062e\u0644\u0627\u0644 \u0634\u0647\u0631\u064a\u0646 \u0645\u0646 \u062a\u0627\u0631\u064a\u062e \u0628\u062f\u0621 \u0627\u0646\u062a\u0642\u0627\u0644 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0625\u0644\u064a\u0647\u0645 \u0644\u0625\u062b\u0628\u0627\u062a \u0635\u0641\u062a\u0647\u0645 \u0628\u0645\u0642\u062a\u0636\u0649 \u0645\u0644\u062d\u0642 \u0639\u0644\u0649 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0629 \u064a\u062f\u0641\u0639 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0625\u0644\u064a\u0647\u0645 \u0639\u0644\u064a \u0623\u0646 \u064a\u0648\u0642\u0639\u0648\u0627 \u062c\u0645\u064a\u0639\u0627 \u0639\u0644\u064a \u0627\u0644\u0645\u062e\u0627\u0644\u0635\u0629 \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629 \u0648\u062d\u0648\u0627\u0644\u0629 \u0627\u0644\u062d\u0642 \u062b\u0645 \u064a\u062a\u0642\u0627\u0633\u0645\u0648\u0627 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0641\u064a\u0645\u0627 \u0628\u064a\u0646\u0647\u0645 \u0643\u0644 \u062d\u0633\u0628 \u0642\u064a\u0645\u0629 \u0645\u0635\u0644\u062d\u062a\u0647 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u201d<\/p>\n

4\/28 \u0634\u0631\u0637 \u0628\u064a\u0627\u0646 \u0627\u0644\u062d\u0642\u0648\u0642 \u0627\u0644\u0639\u064a\u0646\u064a\u0629<\/span><\/p>\n

\u0644\u0627 \u064a\u062c\u0648\u0632 \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0646 \u062a\u062f\u0641\u0639 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0625\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0625\u0644\u0627 \u0628\u0639\u062f \u0623\u0646 \u064a\u0642\u062f\u0645 \u0634\u0647\u0627\u062f\u0629 \u062a\u062b\u0628\u062a \u062e\u0644\u0648 \u0627\u0644\u0634\u064a\u0621 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 \u0645\u0646 \u0627\u0644\u0631\u0647\u0646 \u0648\u0630\u0644\u0643 \u0637\u0628\u0642\u0627 \u0644\u0634\u0631\u0637 \u0628\u064a\u0627\u0646 \u0627\u0644\u062d\u0642\u0648\u0642 \u0627\u0644\u0639\u064a\u0646\u064a\u0629 \u060c\u060c \u0641\u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0634\u064a\u0621 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 \u0645\u062b\u0642\u0644\u0627\u064b \u0628\u0631\u0647\u0646 \u0648\u062a\u0645 \u0625\u0639\u0644\u0627\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0630\u0644\u0643 \u0641\u0644\u0627 \u064a\u062c\u0648\u0632 \u0644\u0647\u0627 \u0623\u0646 \u062a\u062f\u0641\u0639 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0625\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0625\u0644\u0627 \u0628\u0631\u0636\u0627\u0621 \u0627\u0644\u062f\u0627\u0626\u0646\u064a\u0646 \u060c\u060c \u0648\u0643\u0630\u0644\u0643 \u0627\u0644\u062d\u0627\u0644\u0629 \u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0644\u062d\u062c\u0632 \u0639\u0644\u064a \u0627\u0644\u0634\u064a\u0621 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 \u0623\u0648 \u0648\u0636\u0639\u0647 \u062a\u062d\u062a \u0627\u0644\u062d\u0631\u0627\u0633\u0629 \u060c\u060c<\/p>\n

4\/29 \u0634\u0631\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u062d\u0631\u064a<\/span> Marine clause<\/span><\/p>\n

\u064a\u0646\u0635 \u0647\u0630\u0627 \u0627\u0644\u0634\u0631\u0637 \u0639\u0644\u0649 \u0623\u0646 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u062d\u0631\u064a \u064a\u062c\u0628 \u0623\u0646 \u062a\u062f\u0641\u0639 \u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0623\u0648\u0644\u0627\u064b \u0642\u0628\u0644 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u064a\u0631\u062c\u0639 \u0627\u0644\u0633\u0628\u0628 \u0648\u0631\u0627\u0621 \u0630\u0644\u0643 \u0625\u0644\u0649 \u0623\u0646\u0647 \u0642\u0628\u0644 \u062d\u062f\u0648\u062b \u0627\u0644\u062d\u0631\u064a\u0642 \u0642\u062f \u062a\u0643\u0648\u0646 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u062a\u0639\u0631\u0636\u062a \u0644\u0623\u062e\u0637\u0627\u0631 \u0628\u062d\u0631\u064a\u0629 \u0642\u0628\u0644 \u062f\u062e\u0648\u0644\u0647\u0627 \u0627\u0644\u0645\u062e\u0627\u0632\u0646 \u0645\u062b\u0644 \u062a\u0644\u0641\u0647\u0627 \u0628\u0645\u064a\u0627\u0647 \u0627\u0644\u0628\u062d\u0627\u0631 \u0623\u0648 \u0633\u0631\u0642\u0629 \u062c\u0632\u0621 \u0645\u0646\u0647\u0627 \u0648\u0644\u0627 \u064a\u0645\u0643\u0646 \u062a\u062a\u0628\u0639 \u0647\u0630\u0647 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0644\u0623\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u064a\u0643\u0648\u0646 \u0642\u062f \u0637\u0645\u0633 \u0622\u062b\u0627\u0631\u0647\u0627 \u060c\u060c \u0648\u0641\u064a \u0646\u0641\u0633 \u0627\u0644\u0648\u0642\u062a \u0642\u062f \u062a\u0636\u0639 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0628\u062d\u0631\u064a \u0634\u0631\u0637 \u064a\u0646\u0635 \u0639\u0644\u0649 \u0623\u0646 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u064a\u062c\u0628 \u0623\u0646 \u062a\u062f\u0641\u0639 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0623\u0648\u0644\u0627\u064b \u060c\u060c \u0648\u0644\u0630\u0627 \u064a\u062c\u0628 \u0639\u0644\u0649 \u0643\u0644 \u0648\u062b\u064a\u0642\u0629 \u0623\u0646 \u062a\u0634\u0627\u0631\u0643 \u0641\u064a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u060c<\/p>\n

5\u0640 \u0627\u0644\u0623\u063a\u0637\u064a\u0629 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0639\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 add on covers<\/span><\/p>\n

((\u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u062a\u064a \u064a\u0636\u0645\u0646\u0647\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0646\u0635 \u0635\u0631\u064a\u062d \u0648\u0642\u0633\u0637 \u0625\u0636\u0627\u0641\u064a))<\/span><\/p>\n

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\u0648\u0645\u0635\u0637\u0644\u062d \u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0623\u0648 \u0627\u0644\u0627\u0645\u062a\u062f\u0627\u062f Extension \u0644\u0647 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0645\u0639\u0646\u0649 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u064a\u0639\u0646\u064a \u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u063a\u0637\u0627\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a \u0639\u0644\u0649 \u0627\u0644\u0646\u062d\u0648 \u0627\u0644\u0645\u0648\u0636\u062d \u0623\u0639\u0644\u0627\u0647 \u060c\u060c \u0648\u0642\u062f \u064a\u0639\u0646\u064a \u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0645\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 (\u0627\u0645\u062a\u062f\u0627\u062f \u0645\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646) Extension of insurance period \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0642\u062f \u062a\u0646\u062a\u0647\u064a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644 \u0641\u064a 15 \u0646\u0648\u0641\u0645\u0628\u0631 \u0648\u0644\u0643\u0646 \u064a\u0637\u0644\u0628 \u0627\u0644\u0645\u0632\u0627\u0631\u0639\u0648\u0646 \u0645\u062f\u0629 \u0625\u0636\u0627\u0641\u064a\u0629 \u0628\u0639\u062f 15 \u0646\u0648\u0641\u0645\u0628\u0631 \u0644\u0639\u062f\u0645 \u0627\u0643\u062a\u0645\u0627\u0644 \u0645\u0648\u0633\u0645 \u0627\u0644\u062d\u0635\u0627\u062f \u060c\u060c<\/p>\n

\u0627\u0644\u0645\u0644\u062d\u0642 endorsement \u064a\u0634\u0628\u0647 \u0645\u0644\u062d\u0642 \u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0623\u0648 \u0627\u0644\u0627\u0645\u062a\u062f\u0627\u062f Extension \u0641\u0643\u0644\u064d \u0645\u0646\u0647\u0645\u0627 \u064a\u0636\u064a\u0641 \u0634\u064a\u0626\u0627\u064b \u0645\u0627 \u0625\u0644\u0649 \u0627\u0644\u063a\u0637\u0627\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a \u0639\u0644\u0649 \u0627\u0644\u0646\u062d\u0648 \u0627\u0644\u0645\u0648\u0636\u062d \u0623\u0639\u0644\u0627\u0647 \u060c\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0645\u0644\u062d\u0642 \u0644\u0647 \u0648\u0638\u064a\u0641\u0629 \u0623\u062e\u0631\u0649 \u0641\u0647\u0648 \u064a\u0639\u062f\u0644 \u0623\u0648 \u064a\u063a\u064a\u0631 \u0645\u0646 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0623\u0635\u0644\u064a\u0629 \u0644\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u064a\u0633\u062a\u062b\u0646\u064a \u0628\u0639\u0636 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0648\u064a\u0639\u062f\u0644 \u0628\u0639\u0636 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u062a\u063a\u064a\u064a\u0631 \u0627\u0633\u0645 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u0623\u0648 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0648\u0627\u0644\u0645\u0644\u062d\u0642 \u0642\u062f \u064a\u062a\u0645 \u0643\u062a\u0627\u0628\u062a\u0647 \u0639\u0644\u0649 \u0623\u064a \u0641\u0631\u0627\u063a \u0645\u0648\u062c\u0648\u062f \u0639\u0644\u0649 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062e\u0635\u0648\u0635\u0627\u064b \u0639\u0644\u0649 \u0638\u0647\u0631\u0647\u0627 \u0623\u0648 \u064a\u062a\u0645 \u0643\u062a\u0627\u0628\u062a\u0647 \u0641\u064a \u0648\u0631\u0642\u0629 \u0645\u0633\u062a\u0642\u0644\u0629 \u0639\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0644\u0643\u0646 \u064a\u062c\u0628 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0641\u064a\u0647\u0627 \u0625\u0644\u0649 \u0631\u0642\u0645 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0627\u0633\u0645 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u060c\u060c \u0643\u0645\u0627 \u064a\u062c\u0628 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0625\u0644\u0649 \u0631\u0642\u0645 \u0627\u0644\u0645\u0644\u062d\u0642<\/p>\n

* \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0625\u0636\u0627\u0641\u064a Extra premium \u0647\u0648 \u0645\u0628\u0644\u063a \u064a\u0636\u0627\u0641 \u0625\u0644\u0649 \u0642\u0633\u0637 \u0627\u0644\u062d\u0631\u064a\u0642 \u0645\u0642\u0627\u0628\u0644 \u062a\u063a\u0637\u064a\u0629 \u062e\u0637\u0631 \u0625\u0636\u0627\u0641\u064a \u0639\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0628\u0645\u0648\u062c\u0628 \u0645\u0644\u062d\u0642 \u0627\u0644\u0625\u0636\u0627\u0641\u0629<\/p>\n

\u0642\u062f \u064a\u0645\u062a\u062f \u063a\u0637\u0627\u0621 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0644\u064a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 \u062a\u063a\u0637\u064a\u0629 \u0623\u062e\u0637\u0627\u0631 \u062e\u0627\u0635\u0629 \u0648\u0647\u064a \u0623\u062e\u0637\u0627\u0631 \u0625\u0636\u0627\u0641\u064a\u0629 \u0623\u062e\u0631\u0649 \u0628\u062e\u0644\u0627\u0641 \u0627\u0644\u062d\u0631\u064a\u0642 \u0645\u062b\u0644 \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0639\u0648\u0627\u0635\u0641 \u0648\u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u060c\u060c \u0623\u0648 \u062a\u063a\u0637\u064a\u0629 \u062e\u0633\u0627\u0626\u0631 \u062a\u0628\u0639\u064a\u0629 \u0645\u062b\u0644 \u0641\u0642\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0648\u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0648\u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u062f\u0646\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0623\u0646\u0642\u0627\u0636<\/p>\n

\u0648\u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0625\u0636\u0627\u0641\u062a\u0647\u0627 \u0639\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 :<\/p>\n

\u0640 \u0627\u0646\u0641\u062c\u0627\u0631 \u0623\u0648 \u0641\u064a\u0636\u0627\u0646 \u062e\u0632\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u064a\u0627\u0647 \u0648\u0627\u0644\u0645\u0648\u0627\u0633\u064a\u0631 \u0648\u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0648\u0627\u0646\u062f\u0641\u0627\u0639 \u0627\u0644\u0645\u064a\u0627\u0647 \u0627\u0644\u0645\u0641\u0627\u062c\u0626<\/p>\n

\u0640 \u0627\u0646\u0641\u062c\u0627\u0631 \u0645\u0648\u0627\u0633\u064a\u0631 \u0645\u064a\u0627\u0647 \u0634\u0628\u0643\u0629 \u0627\u0644\u0631\u0634\u0627\u0634\u0627\u062a \u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a\u0629 \u0644\u0645\u0643\u0627\u0641\u062d\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0623\u0648 \u0623\u062d\u062f \u0631\u0624\u0648\u0633\u0647\u0627 \u0623\u0648 \u062a\u0633\u0631\u0628 \u0627\u0644\u0645\u064a\u0627\u0647 \u0645\u0646\u0647\u0627<\/p>\n

\u0640 \u0627\u0644\u0632\u0644\u0632\u0627\u0644 \u0648\u0627\u0644\u0647\u0632\u0627\u062a \u0627\u0644\u0623\u0631\u0636\u064a\u0629<\/p>\n

\u0640 \u0627\u0644\u0639\u0648\u0627\u0635\u0641 \u0648\u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0633\u064a\u0648\u0644 \u0648\u062d\u0631\u0643\u0629 \u0627\u0644\u0645\u062f \u0648\u0627\u0644\u062c\u0632\u0631<\/p>\n

\u0640 \u0627\u0635\u0637\u062f\u0627\u0645 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0628\u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646\u0629<\/p>\n

\u0640 \u0627\u0635\u0637\u062f\u0627\u0645 \u0627\u0644\u0637\u0627\u0626\u0631\u0627\u062a \u0623\u0648 \u0633\u0642\u0648\u0637\u0647\u0627 \u0623\u0648 \u0633\u0642\u0648\u0637 \u0623\u0634\u064a\u0627\u0621 \u0645\u0646\u0647\u0627<\/p>\n

\u0640 \u0627\u0646\u0641\u062c\u0627\u0631 \u0627\u0644\u063a\u0644\u0627\u064a\u0627\u062a \u0648\u0627\u0644\u0622\u0644\u0627\u062a \u0627\u0644\u0628\u062e\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0630\u0627\u062a \u0627\u0644\u0636\u063a\u0637<\/p>\n

\u0640 \u0627\u0644\u0634\u063a\u0628 \u0648\u0627\u0644\u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u0648\u0627\u0644\u0625\u0636\u0631\u0627\u0628\u0627\u062a \u0627\u0644\u0639\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u062e\u0631\u064a\u0628 \u0648\u0627\u0644\u0625\u0631\u0647\u0627\u0628<\/p>\n

\u0648\u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0625\u0636\u0627\u0641\u062a\u0647\u0627 \u0639\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 :<\/p>\n

\u0640 \u0641\u0642\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631<\/p>\n

\u0640 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0646 \u0646\u0642\u0635 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0628\u0633\u0628\u0628 \u0627\u0644\u062d\u0627\u062f\u062b \u0627\u0644\u0645\u063a\u0637\u0649 \u0628\u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/p>\n

\u0640 \u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u062f\u0646\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642<\/p>\n

\u0640 \u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0623\u0646\u0642\u0627\u0636<\/p>\n

* \u0648\u0625\u0630\u0627 \u062a\u0645 \u062a\u0648\u0633\u064a\u0639 \u0646\u0637\u0627\u0642 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0644\u064a\u0645\u062a\u062f \u0648\u064a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 \u0643\u0644 \u0623\u0648 \u0628\u0639\u0636 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0633\u0627\u0644\u0641\u0629 \u0627\u0644\u0630\u0643\u0631 \u0641\u0625\u0646 \u0627\u0644\u062a\u0639\u0631\u064a\u0641\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0644\u0643\u0644 \u0628\u0644\u062f \u062a\u0641\u0631\u0636 \u0642\u0633\u0637 \u0625\u0636\u0627\u0641\u064a ( \u0623\u064a \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0642\u0633\u0637 \u0627\u0644\u062d\u0631\u064a\u0642 ) \u0645\u0642\u0627\u0628\u0644 \u062a\u063a\u0637\u064a\u0629 \u0647\u0630\u0647 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0639\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u064a\u062a\u0645 \u0627\u062d\u062a\u0633\u0627\u0628 \u0647\u0630\u0627 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0625\u0636\u0627\u0641\u064a \u0628\u0636\u0631\u0628 \u0633\u0639\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u0636\u0627\u0641\u064a \u00d7 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0648\u064a\u062a\u0645 \u062a\u062d\u0645\u064a\u0644 \u0627\u0644\u0642\u0633\u0637 \u0628\u0627\u0644\u062f\u0645\u063a\u0627\u062a .<\/p>\n

\u0648\u064a\u0642\u0627\u0644 \u0639\u0644\u0649 \u063a\u0637\u0627\u0621 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0625\u0646\u0647 \u063a\u0637\u0627\u0621 \u0645\u062d\u062f\u0648\u062f \u0644\u0623\u0646\u0647 \u064a\u0624\u0645\u0646 \u0636\u062f \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u0627\u0644\u0635\u0627\u0639\u0642\u0629 \u0641\u0642\u0637 \u060c \u0644\u0630\u0627 \u0641\u0625\u0646 \u063a\u0637\u0627\u0621 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0642\u062f \u064a\u0645\u062a\u062f \u0628\u0645\u0648\u062c\u0628 \u0646\u0635 \u0627\u0645\u062a\u062f\u0627\u062f \u0628\u0646\u0627\u0621 \u0639\u0644\u0649 \u0631\u063a\u0628\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0644\u064a\u063a\u0637\u064a \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 Extra Perils or Additional Perils \u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u062e\u0627\u0635\u0629 Special perils \u0648\u0647\u064a \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u0636\u0645\u0646\u0647\u0627 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0625\u0644\u0627 \u0628\u0646\u0635 \u0635\u0631\u064a\u062d \u0648\u0645\u0642\u0627\u0628\u0644 \u0633\u0639\u0631 \u062a\u0623\u0645\u064a\u0646 \u0625\u0636\u0627\u0641\u064a \u0640 \u0644\u0643\u0644 \u0646\u0648\u0639 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0640 \u0639\u0644\u0627\u0648\u0629 \u0639\u0644\u0649 \u0633\u0639\u0631 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u060c\u060c \u0648\u0645\u0646 \u0627\u0644\u0645\u0645\u0643\u0646 \u0625\u0636\u0627\u0641\u0629 \u0623\u064a\u0627\u064b \u0645\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0625\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0628\u0645\u0648\u062c\u0628 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0645\u0633\u062a\u0642\u0644\u0629 \u0623\u0648 \u0645\u0644\u062d\u0642 \u0625\u0636\u0627\u0641\u0629 \u0645\u062a\u0645\u0645 \u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u062a\u062e\u0636\u0639 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0644\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0645\u062b\u0644 \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0648\u0634\u0631\u0637 \u0627\u0644\u062a\u062d\u0643\u064a\u0645 \u0648\u0634\u0631\u0637 \u0627\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u062e \u060c\u060c \u0648\u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0639\u0645\u0648\u0645\u064a\u0629 \u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u0633\u062a\u062b\u0646\u064a \u0627\u0644\u0633\u0631\u0642\u0629 \u0627\u0644\u062a\u064a \u062a\u062d\u062f\u062b \u0627\u0646\u062a\u0647\u0627\u0632\u0627\u064b \u0644\u062d\u0627\u062f\u062b \u062d\u0631\u064a\u0642 \u0641\u0625\u0646 \u0647\u0630\u0627 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0633\u0648\u0641 \u064a\u0633\u0631\u064a \u0623\u064a\u0636\u0627\u064b \u0639\u0644\u0649 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0628\u0645\u0639\u0646\u0649 \u0623\u0646 \u0627\u0644\u0633\u0631\u0642\u0629 \u0627\u0644\u062a\u064a \u062a\u062d\u062f\u062b \u0627\u0646\u062a\u0647\u0627\u0632\u0627\u064b \u0644\u062d\u0627\u062f\u062b \u0632\u0644\u0632\u0627\u0644 \u0623\u0648 \u0634\u063a\u0628 \u0645\u0633\u062a\u062b\u0646\u0627\u0629 \u0623\u064a\u0636\u0627\u064b \u0645\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 .<\/p>\n

\u0640 \u0644\u0627 \u064a\u0645\u0643\u0646 \u0642\u0628\u0648\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0623\u064a \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0625\u0644\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0645\u0624\u0645\u0646\u0627\u064b \u0639\u0644\u064a\u0647\u0627 \u0636\u062f \u062e\u0637\u0631 \u0627\u0644\u062d\u0631\u064a\u0642<\/p>\n

\u0640 \u062a\u0636\u0645\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0648\u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0639\u0646 \u0647\u0630\u0647 \u0627\u0644\u062a\u063a\u0637\u064a\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u062d\u062a\u0649 \u0644\u0648 \u0644\u0645 \u064a\u0635\u0627\u062d\u0628\u0647\u0627 \u062d\u0631\u064a\u0642 .<\/p>\n

\u0640 \u0644\u0627 \u062a\u062e\u0636\u0639 \u062a\u063a\u0637\u064a\u0629 \u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0623\u0646\u0642\u0627\u0636 \u0648\u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u062f\u0646\u064a\u0629 \u0628\u0633\u0628\u0628 \u0627\u0644\u062d\u0631\u064a\u0642 \u0644\u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629<\/p>\n

\u0640 \u0644\u0627 \u062a\u062e\u0636\u0639 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0627\u0644\u0648\u0642\u0627\u064a\u0629 .<\/p>\n

5\/1 \u063a\u0637\u0627\u0621 \u0627\u0646\u062f\u0641\u0627\u0639 \u0627\u0644\u0645\u064a\u0627\u0647 \u0627\u0644\u0645\u0641\u0627\u062c\u0626 \u0645\u0646 \u062e\u0632\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u064a\u0627\u0647 \u0648\u0627\u0644\u0645\u0648\u0627\u0633\u064a\u0631 \u0648\u0627\u0644\u0623\u062c\u0647\u0632\u0629<\/span><\/p>\n

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\u0627\u0644\u062a\u0633\u0631\u0628 \u0627\u0644\u0628\u0637\u064a\u0621 \u0627\u0644\u0630\u064a \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062a\u0644\u0641 \u062a\u062f\u0631\u064a\u062c\u064a \u060c\u060c \u0627\u0644\u062a\u0644\u0641 \u0627\u0644\u062a\u062f\u0631\u064a\u062c\u064a gradual damage \u064a\u062d\u062f\u062b \u0639\u0646\u062f\u0645\u0627 \u064a\u062d\u062f\u062b \u0634\u064a\u0621 \u0628\u0628\u0637\u0621 \u0639\u0628\u0631 \u0627\u0644\u0632\u0645\u0646 \u0648\u064a\u0633\u0628\u0628 \u062a\u0644\u0641 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u0632\u0645\u0646 \u060c\u060c \u0648\u0627\u0644\u0645\u062b\u0627\u0644 \u0639\u0644\u0649 \u0627\u0644\u062a\u0633\u0631\u0628 \u0627\u0644\u0628\u0637\u064a\u0621 \u0647\u0648 \u0639\u0646\u062f\u0645\u0627 \u064a\u0646\u0632 \u0623\u0648 \u064a\u0631\u0634\u062d \u0627\u0644\u0645\u0627\u0621 \u0628\u0628\u0637\u0621 \u0645\u0646 \u0627\u0644\u0645\u0648\u0627\u0633\u064a\u0631 \u0627\u0644\u0645\u062f\u0641\u0648\u0646\u0629 \u062f\u0627\u062e\u0644 \u0627\u0644\u062d\u0648\u0627\u0626\u0637 \u0648\u0627\u0644\u0623\u0631\u0636\u064a\u0627\u062a \u0641\u062a\u0633\u0628\u0628 \u062a\u0644\u0641 \u0644\u0644\u062f\u0647\u0627\u0646\u0627\u062a \u0648\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u062d\u0627\u0626\u0637 \u060c\u060c \u0648\u0627\u0644\u0645\u062b\u0627\u0644 \u0639\u0644\u0649 \u0627\u0646\u062f\u0641\u0627\u0639 \u0627\u0644\u0645\u064a\u0627\u0647 \u0627\u0644\u0645\u0641\u0627\u062c\u0626 \u0647\u0648 \u0639\u0646\u062f\u0645\u0627 \u062a\u062a\u0622\u0643\u0644 \u0645\u0648\u0627\u0633\u064a\u0631 \u0627\u0644\u0645\u064a\u0627\u0647 \u0623\u0648 \u062e\u0632\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u064a\u0627\u0647 \u0628\u0628\u0637\u0621 \u0639\u0628\u0631 \u0627\u0644\u0632\u0645\u0646 \u0641\u062a\u0628\u062f\u0623 \u0627\u0644\u0645\u064a\u0627\u0647 \u0641\u064a \u0623\u0646 \u062a\u062a\u0633\u0627\u0642\u0637 \u0645\u0646\u0647\u0627 \u0641\u062c\u0623\u0629 \u062f\u0648\u0646 \u0623\u064a \u062a\u0648\u0642\u0639 \u0645\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u060c\u060c \u0623\u0648 \u0639\u0646\u062f\u0645\u0627 \u064a\u0648\u062c\u062f \u0639\u064a\u0628 \u0641\u064a \u0648\u0635\u0644\u0629 \u0627\u0644\u0645\u0627\u0633\u0648\u0631\u0629 \u0641\u062a\u0628\u062f\u0623 \u0627\u0644\u0645\u064a\u0627\u0647 \u0641\u064a \u0623\u0646 \u062a\u0646\u062f\u0641\u0639 \u0641\u062c\u0623\u0629<\/p>\n

5\/2 \u0627\u0646\u0641\u062c\u0627\u0631 \u0645\u0648\u0627\u0633\u064a\u0631 \u0645\u064a\u0627\u0647 \u0631\u0634\u0627\u0634\u0627\u062a \u0645\u0643\u0627\u0641\u062d\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a\u0629 \u0623\u0648 \u0623\u062d\u062f \u0631\u0624\u0648\u0633\u0647\u0627 \u0623\u0648 \u062a\u0633\u0631\u0628 \u0627\u0644\u0645\u064a\u0627\u0647 \u0645\u0646\u0647\u0627 \u062f\u0648\u0646 \u062d\u062f\u0648\u062b \u062d\u0631\u064a\u0642<\/span><\/p>\n

\u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u0649 \u062a\u063a\u0637\u064a\u0629 \u0647\u0630\u0627 \u0627\u0644\u062e\u0637\u0631 \u0645\u0635\u0637\u0644\u062d \u062a\u0623\u0645\u064a\u0646 \u062a\u0633\u0631\u0628 \u0627\u0644\u0645\u064a\u0627\u0647 \u0645\u0646 \u0627\u0644\u0631\u0634\u0627\u0634\u0627\u062a sprinkler leakage insurance \u060c\u060c \u062a\u0623\u0645\u064a\u0646 \u062a\u0633\u0631\u0628 \u0627\u0644\u0645\u064a\u0627\u0647 \u0645\u0646 \u0627\u0644\u0631\u0634\u0627\u0634\u0627\u062a \u0644\u0627 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0648\u062b\u064a\u0642\u0629 \u0645\u0633\u062a\u0642\u0644\u0629 \u0628\u0630\u0627\u062a\u0647\u0627 stand-alone policy \u0648\u0644\u0643\u0646 \u064a\u062a\u0645 \u0634\u0631\u0627\u0626\u0647 \u0643\u062e\u0637\u0631 \u0625\u0636\u0627\u0641\u064a \u0639\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0623\u0645\u062b\u0644\u0629 \u0644\u0644\u0638\u0631\u0648\u0641 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u062a\u062d\u0642\u0642 \u0641\u064a\u0647\u0627 \u0647\u0630\u0627 \u0627\u0644\u062e\u0637\u0631:<\/p>\n

1 \u0640 \u0625\u0646 \u0631\u0623\u0633 \u0627\u0644\u0631\u0634\u0627\u0634 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0635\u0637\u062f\u0645 \u0628\u0623\u064a \u062c\u0633\u0645 \u062b\u0627\u0628\u062a \u0623\u0648 \u0645\u062a\u062d\u0631\u0643<\/p>\n

2 \u0640 \u0627\u0644\u0633\u062e\u0648\u0646\u0629 \u0648\u0627\u0644\u062d\u0631\u0627\u0631\u0629 ( \u0645\u0646 \u0645\u0635\u0627\u062f\u0631 \u063a\u064a\u0631 \u0627\u0644\u062d\u0631\u064a\u0642 ) \u0642\u062f \u062a\u0633\u0628\u0628 \u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0631\u0634\u0627\u0634 \u062a\u0644\u0642\u0627\u0626\u064a\u0627\u064b \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0627\u0644\u0633\u062e\u0648\u0646\u0629 \u0648\u0627\u0644\u062d\u0631\u0627\u0631\u0629 \u0627\u0644\u0645\u0646\u0628\u0639\u062b\u0629 \u0645\u0646 \u0627\u0644\u063a\u0644\u0627\u064a\u0627\u062a \u0648\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u062a\u0633\u062e\u064a\u0646 .<\/p>\n

3 \u0640 \u0639\u064a\u0628 \u0645\u064a\u0643\u0627\u0646\u064a\u0643\u064a \u062e\u0641\u064a \u0641\u064a \u0627\u0644\u0631\u0634\u0627\u0634\u0627\u062a \u0644\u0627 \u064a\u0639\u0644\u0645 \u0628\u0647 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 .<\/p>\n

4 \u0640 \u062a\u062c\u0645\u062f \u0627\u0644\u0645\u064a\u0627\u0647 \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u0635\u0642\u064a\u0639 \u064a\u0646\u062a\u062c \u0639\u0646\u0647 \u0627\u0646\u0641\u062c\u0627\u0631 \u0627\u0644\u0645\u0648\u0627\u0633\u064a\u0631 .<\/p>\n

\u0648\u0642\u062f \u064a\u0633\u062a\u062b\u0646\u064a \u0645\u0646 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0645\u0628\u0627\u0646\u064a \u0627\u0644\u062e\u0627\u0644\u064a\u0629 \u0645\u0646 \u0627\u0644\u0633\u0643\u0627\u0646<\/p>\n

\u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u063a\u0637\u064a \u062a\u0644\u0641 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0628\u0627\u0644\u0645\u064a\u0627\u0647 \u0623\u0648 \u0627\u0644\u0645\u0648\u0627\u062f \u0627\u0644\u0623\u062e\u0631\u0649 \u0627\u0644\u062a\u064a \u062a\u0633\u0631\u0628\u062a \u0623\u0648 \u0627\u0646\u062f\u0641\u0639\u062a \u0645\u0646 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0631\u0634\u0627\u0634\u0627\u062a \u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a\u0629 \u0628\u0627\u0644\u0635\u062f\u0641\u0629 \u062f\u0648\u0646 \u0648\u062c\u0648\u062f \u062d\u0631\u064a\u0642 \u0644\u0625\u0637\u0641\u0627\u0626\u0647<\/p>\n

5\/3 \u063a\u0637\u0627\u0621 \u0627\u0644\u0639\u0648\u0627\u0635\u0641 \u0648\u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0633\u064a\u0648\u0644 \u0648\u062d\u0631\u0643\u0629 \u0627\u0644\u0645\u062f \u0648\u0627\u0644\u062c\u0632\u0631<\/span><\/p>\n

\u0647\u0630\u0627 \u0627\u0644\u063a\u0637\u0627\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a \u064a\u0636\u0645\u0646 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0628\u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u0646\u0627\u062a\u062c\u0629 \u0639\u0646 \u0627\u0644\u0639\u0648\u0627\u0635\u0641 \u0648\u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0633\u064a\u0648\u0644 \u0648\u062d\u0631\u0643\u0629 \u0627\u0644\u0645\u062f \u0648\u0627\u0644\u062c\u0632\u0631 \u060c\u060c \u0645\u0639 \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0646\u0627\u062a\u062c\u0629 \u0639\u0646 :-<\/p>\n

1 \u0640 \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629<\/p>\n

2 \u0640 \u0627\u0644\u0623\u0645\u0637\u0627\u0631<\/p>\n

\u0648\u064a\u0641\u062a\u0631\u0636 \u0641\u064a \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0627\u0644\u0630\u064a \u064a\u0636\u0639 \u0623\u0634\u064a\u0627\u0621 \u0623\u0648 \u0628\u0636\u0627\u0626\u0639 \u0641\u064a \u0627\u0644\u0639\u0631\u0627\u0621 (\u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629) \u0623\u0646\u0647 \u064a\u0639\u0631\u0641 \u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0623\u0648 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0644\u0646 \u064a\u0635\u064a\u0628\u0647\u0627 \u0627\u0644\u0636\u0631\u0631 \u0645\u0646 \u062a\u0639\u0631\u0636\u0647\u0627 \u0644\u0644\u0631\u064a\u0627\u062d \u0623\u0648 \u0627\u0644\u0623\u0645\u0637\u0627\u0631 \u0648\u0623\u0646\u0647 \u0642\u0628\u0644 \u0645\u0633\u0626\u0648\u0644\u064a\u062a\u0647 \u0639\u0646 \u0648\u0636\u0639 \u0647\u0630\u0647 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0641\u064a \u0627\u0644\u0639\u0631\u0627\u0621 \u060c\u060c \u0625\u0646 \u063a\u0637\u0627\u0621 \u0627\u0644\u0627\u0645\u062a\u062f\u0627\u062f \u0627\u0644\u062e\u0627\u0635 \u0628\u0627\u0644\u0639\u0648\u0627\u0635\u0641 \u0648\u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0633\u064a\u0648\u0644 \u0648\u062d\u0631\u0643\u0629 \u0627\u0644\u0645\u062f \u0648\u0627\u0644\u062c\u0632\u0631 \u064a\u063a\u0637\u064a \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0628\u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u062a\u062c\u0629 \u0639\u0646 \u062a\u062d\u0642\u0642 \u0647\u0630\u0647 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0633\u0648\u0627\u0621 \u0643\u0627\u0646\u062a \u0647\u0630\u0647 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u064a\u0635\u0627\u062d\u0628\u0647\u0627 \u062d\u0631\u064a\u0642 \u0623\u0648 \u0628\u062f\u0648\u0646 \u062d\u0631\u064a\u0642<\/p>\n

\u0625\u0646 \u0643\u0644\u0645\u0629 \u0627\u0644\u0639\u0627\u0635\u0641\u0629 Storm \u062a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0627\u0644\u0631\u064a\u0627\u062d \u0627\u0644\u0634\u062f\u064a\u062f\u0629 \u0627\u0644\u0639\u0646\u064a\u0641\u0629 \u0627\u0644\u0645\u0635\u062d\u0648\u0628\u0629 \u0639\u0627\u062f\u0629 \u0628\u0627\u0644\u0623\u0645\u0637\u0627\u0631 \u0623\u0648 \u0627\u0644\u062b\u0644\u0648\u062c \u0623\u0648 \u0627\u0644\u0635\u0642\u064a\u0639 \u0623\u0648 \u0627\u0644\u0631\u0639\u062f \u060c\u060c \u0644\u0630\u0644\u0643 \u0641\u0644\u064a\u0633 \u0627\u0644\u0645\u0642\u0635\u0648\u062f \u0628\u0627\u0644\u0639\u0627\u0635\u0641\u0629 \u0647\u0648 \u0645\u062c\u0631\u062f \u0627\u0644\u0631\u064a\u0627\u062d \u0627\u0644\u0639\u0627\u062f\u064a\u0629 \u0623\u0648 \u0627\u0644\u0647\u0648\u0627\u0621 \u0627\u0644\u0639\u0627\u062f\u064a \u060c\u060c \u0623\u0648 \u0645\u062c\u0631\u062f \u0633\u0642\u0648\u0637 \u0623\u0645\u0637\u0627\u0631 \u063a\u0632\u064a\u0631\u0629 \u0648\u0645\u0633\u062a\u0645\u0631\u0629<\/p>\n

\u0648\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0641\u064a\u0636\u0627\u0646 \u064a\u0645\u0643\u0646 \u0634\u0631\u0627\u0626\u0647 \u0628\u0633\u0647\u0648\u0644\u0629 \u0648\u0628\u0633\u0639\u0631 \u0631\u062e\u064a\u0635 \u0641\u064a \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u062a\u064a \u0644\u0627 \u064a\u0648\u062c\u062f \u0628\u0647\u0627 \u0641\u064a\u0636\u0627\u0646 \u060c\u060c \u0641\u064a\u0643\u0648\u0646 \u0627\u062d\u062a\u0645\u0627\u0644 \u0627\u0644\u0641\u064a\u0636\u0627\u0646 \u0645\u0633\u062a\u0628\u0639\u062f \u060c\u060c \u0648\u0644\u0643\u0646 \u0641\u064a \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u0645\u0634\u0647\u0648\u0631\u0629 \u0628\u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0633\u064a\u0648\u0644 \u060c\u060c \u062d\u064a\u062b \u064a\u0643\u0648\u0646 \u0627\u0644\u0641\u064a\u0636\u0627\u0646 \u0645\u062a\u0648\u0637\u0646 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u060c\u060c \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0635\u0639\u0628 \u0634\u0631\u0627\u0626\u0647 \u060c\u060c \u0648\u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0623\u0641\u0636\u0644 \u0623\u0646 \u064a\u062f\u062e\u0644 \u0641\u064a \u0628\u0631\u0646\u0627\u0645\u062c \u062a\u0623\u0645\u064a\u0646 \u062d\u0643\u0648\u0645\u064a<\/p>\n

\u0625\u0646 \u0645\u0635\u0637\u0644\u062d \u0641\u064a\u0636\u0627\u0646 Flood \u0644\u0645 \u064a\u062a\u0645 \u062a\u0639\u0631\u064a\u0641\u0647 \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0639\u0648\u0627\u0635\u0641 \u0648\u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0633\u064a\u0648\u0644 \u0648\u062d\u0631\u0643\u0629 \u0627\u0644\u0645\u062f \u0648\u0627\u0644\u062c\u0632\u0631 \u0647\u064a \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0637\u0628\u064a\u0639\u0629 perils of nature \u0644\u0630\u0627 \u0627\u0644\u0641\u064a\u0636\u0627\u0646 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0627\u0644\u0642\u0648\u0629 \u0627\u0644\u0642\u0627\u0647\u0631\u0629 \u0644\u0644\u0637\u0628\u064a\u0639\u0629 \u0623\u0648 \u062b\u0648\u0631\u0627\u062a \u0627\u0644\u0637\u0628\u064a\u0639\u0629 \u060c\u060c \u0648\u0639\u0646\u062f\u0645\u0627 \u064a\u0648\u062c\u062f \u0641\u064a\u0636\u0627\u0646 \u0641\u0625\u0646 \u0643\u0645\u064a\u0627\u062a \u0647\u0627\u0626\u0644\u0629 \u0645\u0646 \u0627\u0644\u0645\u064a\u0627\u0647 \u062a\u062a\u062c\u0645\u0639 \u0641\u0648\u0642 \u0627\u0644\u0623\u0631\u0636 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u062c\u0627\u0641\u0629 \u0628\u0633\u0628\u0628 \u062a\u0633\u0631\u0628 \u0627\u0644\u0645\u064a\u0627\u0647 \u0625\u0644\u0649 \u0627\u0644\u0623\u0631\u0636 \u0645\u0646 \u062d\u062f\u0648\u062f\u0647\u0627 \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629 \u0643\u0627\u0644\u0623\u0646\u0647\u0627\u0631 \u0648\u0627\u0644\u0628\u062d\u0627\u0631 \u0623\u0648 \u062e\u0631\u0648\u062c\u0647\u0627 \u0645\u0646 \u0645\u062c\u0627\u0631\u064a\u0647\u0627 \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629 \u0643\u0627\u0644\u0628\u062d\u064a\u0631\u0627\u062a \u0648\u0627\u0644\u0642\u0646\u0648\u0627\u062a \u0648\u0627\u0644\u0633\u062f\u0648\u062f \u0628\u0633\u0628\u0628 \u0627\u0631\u062a\u0641\u0627\u0639 \u0627\u0644\u0645\u064a\u0627\u0647 \u0625\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0639\u0627\u0644\u064a \u0628\u0641\u0639\u0644 \u0627\u0644\u0639\u0627\u0635\u0641\u0629 \u0623\u0648 \u0627\u0644\u0645\u062f \u0623\u0648 \u0627\u0644\u0623\u0645\u0637\u0627\u0631 \u060c\u060c \u0648\u0627\u0644\u0641\u064a\u0636\u0627\u0646 \u064a\u0633\u062a\u0645\u0631 \u0645\u062f\u0629 \u0623\u0637\u0648\u0644 \u0645\u0646 \u0627\u0644\u0633\u064a\u0648\u0644 \u060c\u060c<\/p>\n

\u0648\u0627\u0644\u0633\u064a\u0644 flash flood \/ torrent (\u0648\u0627\u0644\u062c\u0645\u0639 \u0633\u064a\u0648\u0644) \u0647\u0648 \u062a\u062f\u0641\u0642 \u0623\u0648 \u0627\u0646\u062f\u0641\u0627\u0639 \u0645\u0641\u0627\u062c\u0626 \u0644\u0643\u0645\u064a\u0627\u062a \u0647\u0627\u0626\u0644\u0629 \u0645\u0646 \u0627\u0644\u0645\u064a\u0627\u0647 \u0627\u0644\u0645\u0646\u062f\u0641\u0639\u0629 \u0648\u0627\u0644\u062c\u0627\u0631\u0641\u0629 \u0639\u0644\u0649 \u0627\u0644\u0623\u0631\u0636 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u062c\u0627\u0641\u0629 \u0628\u0633\u0628\u0628 \u0633\u0642\u0648\u0637 \u0627\u0644\u0623\u0645\u0637\u0627\u0631 \u0623\u0648 \u0625\u0630\u0627\u0628\u0629 \u0627\u0644\u062b\u0644\u0648\u062c \u0644\u0627\u0631\u062a\u0641\u0627\u0639 \u062f\u0631\u062c\u0629 \u062d\u0631\u0627\u0631\u0629 \u0627\u0644\u062c\u0648 \u0648\u0627\u0646\u062d\u062f\u0627\u0631 \u0627\u0644\u0623\u0631\u0627\u0636\u064a \u0627\u0644\u062c\u0627\u0631\u0641\u0629<\/p>\n

\u0625\u0646 \u0627\u0644\u0641\u064a\u0636\u0627\u0646 \u0648\u0627\u0644\u0633\u064a\u0648\u0644 \u0644\u0647 \u062a\u0623\u062b\u064a\u0631 \u0636\u0627\u0631 \u0639\u0644\u0649 \u0645\u062a\u0631\u0648 \u0627\u0644\u0623\u0646\u0641\u0627\u0642 \u062a\u062d\u062a \u0627\u0644\u0623\u0631\u0636 \u0648\u0627\u0644\u0637\u0628\u0642\u0627\u062a \u0627\u0644\u0633\u0641\u0644\u064a \u0645\u0646 \u0627\u0644\u0645\u0646\u0627\u0632\u0644 \u0648\u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u0645\u0646\u062e\u0641\u0636\u0629 \u060c\u060c \u0648\u062a\u0641\u0642\u062f \u0627\u0644\u0646\u0627\u0633 \u0645\u0633\u0627\u0643\u0646\u0647\u0627 \u060c\u060c \u0648\u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0623\u0636\u0631\u0627\u0631 \u0628\u0627\u0644\u063a\u0629 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0648\u0625\u0635\u0627\u0628\u0627\u062a \u0634\u062e\u0635\u064a\u0629<\/p>\n

\u0648\u0627\u0644\u0645\u062f Tide Water \u0647\u0648 \u0627\u0631\u062a\u0641\u0627\u0639 \u0645\u064a\u0627\u0647 \u0627\u0644\u0628\u062d\u0631 \u0623\u0648 \u0627\u0644\u0646\u0647\u0631 \u0644\u064a\u063a\u0645\u0631 \u0627\u0644\u0623\u0631\u0627\u0636\u064a \u0648\u064a\u063a\u0637\u064a\u0647\u0627 \u060c\u060c \u0648\u0627\u0644\u062c\u0632\u0631 Ebb \u0647\u0648 \u0627\u0646\u062d\u0633\u0627\u0631 \u0645\u0627\u0621 \u0627\u0644\u0628\u062d\u0631 \u0623\u0648 \u0627\u0644\u0646\u0647\u0631 \u0639\u0646 \u0627\u0644\u0623\u0631\u0627\u0636\u064a \u0644\u064a\u0643\u0634\u0641\u0647\u0627 \u060c\u060c \u0641\u0627\u0644\u062c\u0632\u0631 \u0647\u0648 \u0639\u0643\u0633 \u0627\u0644\u0645\u062f .<\/p>\n

5\/4 \u063a\u0637\u0627\u0621 \u062a\u0623\u0645\u064a\u0646 \u0636\u0631\u0631 \u0627\u0644\u0627\u0635\u0637\u062f\u0627\u0645<\/span> impact damage<\/span><\/p>\n

\u0627\u0644\u0645\u0642\u0635\u0648\u062f \u0628\u0636\u0631\u0631 \u0627\u0644\u0627\u0635\u0637\u062f\u0627\u0645 \u0647\u0648 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u062a\u064a \u062a\u0644\u062d\u0642 \u0628\u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0646\u062a\u064a\u062c\u0629 \u0644\u0627\u0635\u0637\u062f\u0627\u0645 \u062c\u0633\u0645 \u0645\u062a\u062d\u0631\u0643 \u0628\u0647\u0627 \u060c\u060c \u0645\u062b\u0644 \u0627\u0635\u0637\u062f\u0627\u0645 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0628\u0633\u064a\u0627\u062c \u0623\u0648 \u062c\u062f\u0631\u0627\u0646 \u0627\u0644\u0628\u064a\u0648\u062a \u0648\u0627\u0644\u0628\u0648\u0627\u0628\u0627\u062a \u060c\u060c \u0648\u062a\u063a\u0637\u064a \u0628\u0639\u0636 \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0644\u0644\u0639\u0642\u0627\u0631 \u0627\u0644\u0645\u0645\u0644\u0648\u0643 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0628\u0633\u0628\u0628 \u0627\u0644\u0627\u0635\u0637\u062f\u0627\u0645 \u0633\u0648\u0627\u0621 \u0643\u0627\u0646 \u0627\u0644\u062c\u0633\u0645 \u0627\u0644\u0645\u062a\u062d\u0631\u0643 (\u0645\u062b\u0644 \u0627\u0644\u0633\u064a\u0627\u0631\u0629) \u0627\u0644\u0630\u064a \u0627\u0635\u0637\u062f\u0645 \u0628\u062c\u062f\u0631\u0627\u0646 \u0627\u0644\u0639\u0642\u0627\u0631 \u0645\u0645\u0644\u0648\u0643\u0627\u064b \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u0648 \u0644\u0644\u063a\u064a\u0631 \u0648\u0644\u064a\u0633 \u0627\u0644\u063a\u0631\u0636 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u063a\u0637\u0627\u0621 \u0647\u0648 \u062a\u0634\u062c\u064a\u0639 \u0627\u0644\u0642\u064a\u0627\u062f\u0629 \u0627\u0644\u0633\u064a\u0626\u0629 \u0644\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u060c\u060c \u0648\u0644\u0630\u0644\u0643 \u0641\u0625\u0646 \u0627\u0644\u063a\u0637\u0627\u0621 \u064a\u062e\u0636\u0639 \u0644\u062a\u062d\u0645\u0644 \u0625\u062c\u0628\u0627\u0631\u064a<\/p>\n

5\/5 \u063a\u0637\u0627\u0621 \u0627\u0635\u0637\u062f\u0627\u0645 \u0627\u0644\u0637\u0627\u0626\u0631\u0627\u062a \u0623\u0648 \u0633\u0642\u0648\u0637\u0647\u0627 \u0623\u0648 \u0633\u0642\u0648\u0637 \u0634\u064a\u0621 \u0645\u0646\u0647\u0627<\/span><\/p>\n

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5\/6 \u063a\u0637\u0627\u0621 \u0627\u0646\u0641\u062c\u0627\u0631 \u0627\u0644\u063a\u0644\u0627\u064a\u0627\u062a \u0648\u0627\u0644\u0622\u0644\u0627\u062a \u0627\u0644\u0628\u062e\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0630\u0627\u062a \u0627\u0644\u0636\u063a\u0637<\/span><\/p>\n

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* \u0648\u0623\u063a\u0644\u0628\u064a\u0629 \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u063a\u0637\u064a \u062e\u0637\u0631 \u0627\u0646\u0641\u062c\u0627\u0631 \u0627\u0644\u063a\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0641\u064a \u0627\u0644\u0623\u063a\u0631\u0627\u0636 \u0627\u0644\u0645\u0646\u0632\u0644\u064a\u0629 \u0648\u0627\u0644\u063a\u0627\u0632 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0641\u064a \u0627\u0644\u0625\u0646\u0627\u0631\u0629 \u0623\u0648 \u0627\u0644\u062a\u0633\u062e\u064a\u0646 \u0623\u0648 \u0627\u0644\u0623\u063a\u0631\u0627\u0636 \u0627\u0644\u0645\u0646\u0632\u0644\u064a\u0629<\/p>\n

*\u0625\u0646 \u0627\u0644\u0627\u0646\u0641\u062c\u0627\u0631 Explosion \u064a\u0646\u0634\u0623 \u0645\u0646 \u0623\u0633\u0628\u0627\u0628 \u0645\u062a\u0646\u0648\u0639\u0629 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0627\u0644\u0623\u0646\u0627\u0628\u064a\u0628 \u0648\u0627\u0644\u0623\u0648\u0639\u064a\u0629 \u0648\u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u062a\u064a \u062a\u0639\u0645\u0644 \u0628\u0636\u063a\u0637 \u0627\u0644\u063a\u0627\u0632 \u0623\u0648 \u0627\u0644\u0628\u062e\u0627\u0631 \u0645\u0646 \u0627\u0644\u062f\u0627\u062e\u0644 \u0643\u0623\u0646\u0627\u0628\u064a\u0628 \u0627\u0644\u063a\u0627\u0632 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0641\u064a \u0623\u063a\u0631\u0627\u0636 \u0627\u0644\u062a\u0633\u062e\u064a\u0646 \u0648\u0627\u0644\u063a\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0644\u0625\u0645\u062f\u0627\u062f \u0627\u0644\u0645\u0627\u0621 \u0627\u0644\u0633\u0627\u062e\u0646 \u060c\u060c \u0648\u0627\u0646\u0641\u062c\u0627\u0631 \u0627\u0644\u0623\u0628\u062e\u0631\u0629 \u0627\u0644\u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u0627\u0634\u062a\u0639\u0627\u0644 \u0641\u064a \u0645\u0635\u0627\u0646\u0639 \u0627\u0644\u0628\u0648\u064a\u0627\u062a \u0648\u0627\u0644\u0643\u062d\u0648\u0644 \u060c\u060c \u0648\u0627\u0644\u0627\u0646\u0641\u062c\u0627\u0631\u0627\u062a \u0627\u0644\u0630\u0631\u064a\u0629 \u060c\u060c \u0648\u0627\u0644\u0627\u0646\u0641\u062c\u0627\u0631\u0627\u062a \u0628\u0633\u0628\u0628 \u0627\u0644\u062a\u0641\u0627\u0639\u0644\u0627\u062a \u0627\u0644\u0643\u064a\u0645\u0627\u0648\u064a\u0629 \u060c\u060c \u0648\u0627\u0644\u0627\u0646\u0641\u062c\u0627\u0631 \u0628\u0645\u0635\u0627\u0646\u0639 \u0627\u0644\u0643\u064a\u0645\u0627\u0648\u064a\u0627\u062a \u0628\u0633\u0628\u0628 \u062a\u062e\u0632\u064a\u0646 \u0627\u0644\u0645\u0648\u0627\u062f \u0627\u0644\u0643\u064a\u0645\u0627\u0648\u064a\u0629 \u0645\u0639\u0627\u064b \u0648\u0627\u0644\u062a\u064a \u064a\u0646\u0628\u063a\u064a \u0641\u0635\u0644\u0647\u0627 \u060c\u060c \u0648\u0627\u0646\u0641\u062c\u0627\u0631 \u0627\u0644\u063a\u0644\u0627\u064a\u0627\u062a \u0648\u0627\u0644\u0622\u0644\u0627\u062a \u0627\u0644\u0628\u062e\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0630\u0627\u062a \u0627\u0644\u0636\u063a\u0637 \u060c\u060c \u0644\u0630\u0627 \u064a\u062c\u0628 \u062a\u062d\u062f\u064a\u062f \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0627\u0646\u0641\u062c\u0627\u0631 \u0627\u0644\u0645\u063a\u0637\u0627\u0629 \u0628\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0625\u0646 \u0647\u0630\u0627 \u0627\u0644\u0627\u0645\u062a\u062f\u0627\u062f \u064a\u063a\u0637\u064a \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0628\u0633\u0628\u0628 \u0627\u0644\u0627\u0646\u0641\u062c\u0627\u0631 \u0646\u0641\u0633\u0647 \u060c\u060c \u0648\u0642\u062f \u062a\u0645 \u062a\u062d\u062f\u064a\u062f\u0647 \u0641\u064a \u0645\u0644\u062d\u0642 \u0627\u0644\u0627\u0645\u062a\u062f\u0627\u062f \u0628\u0627\u0646\u0641\u062c\u0627\u0631 \u0627\u0644\u063a\u0644\u0627\u064a\u0627\u062a \u0648\u0627\u0644\u0622\u0644\u0627\u062a \u0627\u0644\u0628\u062e\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0630\u0627\u062a \u0627\u0644\u0636\u063a\u0637 \u060c\u060c \u0648\u0639\u0646\u062f \u062a\u0633\u0648\u064a\u0629 \u0645\u0637\u0627\u0644\u0628\u0629 \u0627\u0644\u0627\u0646\u0641\u062c\u0627\u0631 \u064a\u062c\u0628 \u062a\u062d\u062f\u064a\u062f \u0633\u0628\u0628 \u0627\u0644\u0627\u0646\u0641\u062c\u0627\u0631 \u0648\u0647\u0644 \u0647\u0630\u0627 \u0627\u0644\u0633\u0628\u0628 \u0645\u063a\u0637\u0649 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u061f<\/p>\n

* \u0648\u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u0635\u0646\u0627\u0639\u0627\u062a \u0641\u0625\u0646 \u062e\u0637\u0631 \u0627\u0644\u0627\u0646\u0641\u062c\u0627\u0631 \u0648\u062e\u0637\u0631 \u0627\u0644\u062d\u0631\u064a\u0642 \u0647\u0645\u0627 \u0645\u062a\u0644\u0627\u0632\u0645\u0627\u0646 \u0648\u0644\u0630\u0644\u0643 \u0639\u0646\u062f \u062a\u0633\u0639\u064a\u0631 \u062e\u0637\u0631 \u0627\u0644\u062d\u0631\u064a\u0642 \u064a\u0624\u062e\u0630 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u062e\u0637\u0631 \u0627\u0644\u0627\u0646\u0641\u062c\u0627\u0631 \u0644\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u0645\u0646\u0627\u0633\u0628<\/p>\n

* \u062e\u0637\u0631 \u0627\u0644\u0627\u0646\u0641\u062c\u0627\u0631 \u0648\u062e\u0637\u0631 \u0627\u0644\u0627\u0634\u062a\u0639\u0627\u0644 \u0627\u0644\u0630\u0627\u062a\u064a \u064a\u062a\u0645 \u062a\u0635\u0646\u064a\u0641\u0647\u0645\u0627 \u0639\u0644\u0649 \u0625\u0646\u0647\u0645\u0627 \u0645\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0630\u0627\u062a \u0627\u0644\u0637\u0628\u064a\u0639\u0629 \u0627\u0644\u0643\u064a\u0645\u0627\u0648\u064a\u0629 perils of a chemical type<\/p>\n

5\/7 \u063a\u0637\u0627\u0621 \u0627\u0644\u0634\u063a\u0628 \u0648\u0627\u0644\u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u0648\u0627\u0644\u0625\u0636\u0631\u0627\u0628\u0627\u062a \u0627\u0644\u0639\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u062e\u0631\u064a\u0628 \u0648\u0627\u0644\u0625\u0631\u0647\u0627\u0628<\/span><\/p>\n

\u064a\u063a\u0637\u064a \u0647\u0630\u0627 \u0627\u0644\u0627\u0645\u062a\u062f\u0627\u062f \u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0636\u0631\u0631 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u0630\u064a \u0643\u0627\u0646 \u0633\u0628\u0628\u0647 \u0627\u0644\u0634\u063a\u0628 \u0648\u0627\u0644\u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u0648\u0627\u0644\u0625\u0636\u0631\u0627\u0628\u0627\u062a \u0627\u0644\u0639\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u062e\u0631\u064a\u0628 \u0648\u0627\u0644\u0625\u0631\u0647\u0627\u0628 \u060c\u060c \u0648\u0647\u0630\u0647 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u062a\u0635\u0646\u0641 \u0639\u0644\u0649 \u0625\u0646\u0647\u0627 \u0645\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 Social Perils<\/p>\n

\u0648\u0641\u064a \u0627\u0644\u0632\u0645\u0646 \u0627\u0644\u0645\u0627\u0636\u064a \u0643\u0627\u0646\u062a \u0647\u0630\u0647 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u062a\u0630\u0643\u0631 \u0643\u062e\u0637\u0631 \u0645\u0633\u062a\u062b\u0646\u0649 \u0641\u064a \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0642\u062f\u064a\u0645\u0629 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0648\u0636\u0639\u0647\u0627 \u0641\u064a \u0642\u0633\u0645 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a \u060c\u060c \u0648\u0644\u0630\u0644\u0643 \u0641\u0625\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0646\u0647\u0627 \u064a\u0643\u0648\u0646 \u0645\u0633\u062a\u062b\u0646\u0649 \u0623\u064a\u0636\u0627\u064b \u0628\u0645\u0639\u0646\u0649 \u0644\u0627 \u064a\u0633\u062a\u062d\u0642 \u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0634\u063a\u0628 Riot Damage \u0648\u0644\u0627 \u0639\u0646 \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0646 \u0627\u0644\u0634\u063a\u0628 Riot Fire Damage \u062b\u0645 \u062a\u0645 \u062d\u0630\u0641\u0647\u0627 \u0645\u0646 \u0642\u0633\u0645 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a \u0641\u064a \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u060c\u060c \u0648\u062a\u0645 \u0648\u0636\u0639\u0647\u0627 \u0636\u0645\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u0636\u0645\u0646\u0647\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0642\u0627\u0628\u0644 \u0642\u0633\u0637 \u0625\u0636\u0627\u0641\u064a \u060c\u060c \u0645\u0645\u0627 \u064a\u0633\u062a\u0646\u062a\u062c \u0645\u0646\u0647 \u0623\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0646 \u0627\u0644\u0634\u063a\u0628 \u0623\u0635\u0628\u062d \u0645\u063a\u0637\u0649 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0648\u064a\u062e\u0636\u0639 \u062a\u0623\u0645\u064a\u0646 \u0647\u0630\u0647 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0644\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0641\u064a\u0633\u0631\u064a \u0639\u0644\u064a\u0647\u0627 \u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u0627\u0644\u0633\u0631\u0642\u0629<\/p>\n

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\u0648\u064a\u062c\u0628 \u0639\u0644\u0649 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0642\u0628\u0644 \u0623\u0646 \u062a\u063a\u0637\u064a \u0647\u0630\u0647 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0623\u0646 \u062a\u0646\u0638\u0631 \u0625\u0644\u0649 \u062d\u0627\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0648\u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u0633\u064a\u0627\u0633\u064a\u0629 \u0627\u0644\u0633\u0627\u0626\u062f\u0629 \u0641\u064a \u0627\u0644\u0628\u0644\u062f \u0623\u0648 \u0641\u064a \u0627\u0644\u0639\u0627\u0644\u0645 \u0641\u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0623\u0645\u0648\u0631 \u063a\u064a\u0631 \u0645\u0633\u062a\u0642\u0631\u0629 \u062a\u0631\u0641\u0636 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0630\u0647 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0623\u0648 \u062a\u0631\u0641\u0639 \u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a \u0625\u0644\u0649 \u0627\u0644\u062d\u062f \u0627\u0644\u0630\u064a \u064a\u0646\u0627\u0633\u0628 \u062d\u0627\u0644\u0629 \u0639\u062f\u0645 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u060c\u060c \u0648\u063a\u0627\u0644\u0628\u0627\u064b \u064a\u062e\u0636\u0639 \u0647\u0630\u0627 \u0627\u0644\u063a\u0637\u0627\u0621 \u0644\u062a\u062d\u0645\u0644 \u0645\u0631\u062a\u0641\u0639<\/p>\n

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\u0648\u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0634\u063a\u0628 \u060c\u060c \u0645\u0639 \u0627\u0644\u062e\u0636\u0648\u0639 \u0644\u0642\u0627\u0646\u0648\u0646 \u0643\u0644 \u062f\u0648\u0644\u0629<\/p>\n

\u064a\u062c\u0628 \u062a\u0648\u0627\u0641\u0631 \u062e\u0645\u0633\u0629 \u0623\u0631\u0643\u0627\u0646 \u0641\u064a \u0623\u064a \u0639\u0645\u0644 \u064a\u062a\u0645 \u0648\u0635\u0641\u0647 \u0639\u0644\u0649 \u0623\u0646\u0647 \u0634\u063a\u0628 \u0643\u0645\u0627 \u064a\u0644\u064a:<\/p>\n

1- \u064a\u062c\u0628 \u0648\u062c\u0648\u062f \u062b\u0644\u0627\u062b\u0629 \u0623\u0634\u062e\u0627\u0635 \u0623\u0648 \u0623\u0643\u062b\u0631<\/p>\n

2- \u064a\u062c\u0645\u0639\u0647\u0645 \u0647\u062f\u0641 \u0648\u0627\u062d\u062f \u0645\u0634\u062a\u0631\u0643 \u0645\u0634\u0631\u0648\u0639 \u0623\u0648 \u063a\u064a\u0631 \u0645\u0634\u0631\u0648\u0639 .<\/p>\n

3- \u0642\u0627\u0645\u0648\u0627 \u0628\u062a\u0646\u0641\u064a\u0630 \u0647\u0630\u0627 \u0627\u0644\u0647\u062f\u0641 \u0627\u0644\u0645\u0634\u062a\u0631\u0643 \u0623\u0648 \u0634\u0631\u0639\u0648\u0627 \u0641\u064a \u062a\u0646\u0641\u064a\u0630\u0647 .<\/p>\n

4- \u062a\u0639\u0627\u0648\u0646\u0648\u0627 \u0639\u0644\u0649 \u062a\u0646\u0641\u064a\u0630 \u0647\u062f\u0641\u0647\u0645 \u0628\u0627\u0644\u0642\u0648\u0629 \u0648\u0627\u0644\u0639\u0646\u0641 \u0636\u062f \u0645\u0646 \u064a\u0645\u0646\u0639\u0647\u0645 .<\/p>\n

5- \u0627\u0633\u062a\u0639\u0631\u0636\u0648\u0627 \u0642\u0648\u0629 \u0648\u0639\u0646\u0641 \u064a\u0631\u0647\u0628 \u0634\u062e\u0635\u0627\u064b \u0648\u0627\u062d\u062f\u0627\u064b \u0639\u064f\u0631\u0641 \u0639\u0646\u0647 \u0627\u0644\u0642\u0648\u0629 \u0648\u0627\u0644\u0634\u062c\u0627\u0639\u0629 .<\/p>\n

\u0648\u064a\u0633\u062a\u062b\u0646\u064a \u0627\u0644\u0636\u0631\u0631 \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0646 \u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 cessation of work \u0645\u0646 \u063a\u0637\u0627\u0621 \u0627\u0644\u0634\u063a\u0628 \u0648\u0627\u0644\u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a \u0627\u0644\u062e . \u0644\u0623\u0646 \u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u064a\u0633\u0628\u0628 \u062e\u0633\u0627\u0626\u0631 \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0648\u0627\u0633\u0639 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u062a\u0648\u0642\u0641 \u0627\u0644\u0639\u0645\u0644 \u0628\u0645\u062d\u0637\u0627\u062a \u0627\u0644\u0643\u0647\u0631\u0628\u0627\u0621 \u0648\u0627\u0644\u0645\u064a\u0627\u0647 \u0633\u0648\u0641 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0623\u0636\u0631\u0627\u0631 \u0641\u064a \u0645\u0646\u0627\u0637\u0642 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u0627\u0644\u0628\u0644\u0627\u062f \u062e\u0635\u0648\u0635\u0627\u064b \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062a\u0637\u0644\u0628 \u0627\u0644\u062a\u0628\u0631\u064a\u062f \u0623\u0648 \u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629<\/p>\n

* \u0627\u0644\u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a \u0627\u0644\u0623\u0647\u0644\u064a\u0629 Civil Commotion<\/span><\/p>\n

\u0647\u064a \u0623\u062e\u0637\u0631 \u0645\u0646 \u0627\u0644\u0634\u063a\u0628 \u060c\u060c \u0623\u0648 \u0647\u064a \u0634\u063a\u0628 \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0648\u0627\u0633\u0639 \u064a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 \u0639\u062f\u062f \u0643\u0628\u064a\u0631 \u0645\u0646 \u0627\u0644\u0646\u0627\u0633 \u0627\u0644\u0645\u0634\u0627\u063a\u0628\u064a\u0646 \u0641\u064a \u0645\u064a\u062f\u0627\u0646 \u0623\u0648 \u062e\u0644\u0627\u0641\u0647 \u060c\u060c \u0648\u0628\u0639\u0636 \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u064a\u0646 \u0641\u064a \u0627\u0644\u0625\u0636\u0631\u0627\u0628\u0627\u062a \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u064a\u062d\u0627\u0648\u0644\u0648\u0646 \u0627\u0644\u062a\u062e\u0631\u064a\u0628 \u0623\u0648 \u0625\u064a\u0642\u0627\u0639 \u0627\u0644\u0636\u0631\u0631 \u0628\u0627\u0644\u0622\u062e\u0631\u064a\u0646<\/p>\n

\u0627\u0644\u0636\u0631\u0631 \u0627\u0644\u0645\u062a\u0639\u0645\u062f (\u0627\u0644\u062a\u062e\u0631\u064a\u0628) Malicious Damage<\/span><\/p>\n

\u0625\u0646 \u0643\u0644\u0645\u0629 \u0627\u0644\u062a\u062e\u0631\u064a\u0628 \u062a\u0639\u0646\u064a \u0627\u0644\u0625\u062a\u0644\u0627\u0641 \u0627\u0644\u0645\u062a\u0639\u0645\u062f \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0628\u0648\u0627\u0633\u0637\u0629 \u0641\u0639\u0644 \u0645\u062a\u0639\u0645\u062f \u0645\u0624\u0630\u064d\u064a Malicious act \u0645\u0646 \u0623\u064a \u0634\u062e\u0635 \u0628\u062e\u0644\u0627\u0641 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u064a \u0638\u0631\u0648\u0641 \u0644\u0627 \u062a\u0645\u062b\u0644 \u0634\u063a\u0628 \u060c\u060c \u0625\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0646 \u0641\u0639\u0644 \u0645\u062a\u0639\u0645\u062f \u0645\u0646 \u0627\u0644\u063a\u064a\u0631 \u0644\u064a\u0633 \u0645\u0633\u062a\u062b\u0646\u0649 \u0645\u0646 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0628\u0634\u0631\u0637 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u063a\u064a\u0631 \u0644\u064a\u0633 \u0645\u0634\u062a\u0631\u0643 \u0641\u064a \u0634\u063a\u0628 \u0648\u0644\u0627 \u064a\u0639\u0645\u0644 \u0644\u062d\u0633\u0627\u0628 \u0645\u0646\u0638\u0645\u0629 \u0633\u064a\u0627\u0633\u064a\u0629 \u060c\u060c<\/p>\n

\u0627\u0644\u0625\u0631\u0647\u0640\u0640\u0627\u0628 Terrorism<\/span><\/p>\n

\u0627\u0644\u0625\u0631\u0647\u0627\u0628 \u0641\u064a \u0642\u0648\u0627\u0645\u064a\u0633 \u0627\u0644\u0644\u063a\u0629 \u064a\u0639\u0646\u064a \u062a\u062e\u0648\u064a\u0641 \u0627\u0644\u0646\u0627\u0633 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u064a \u0648\u0633\u064a\u0644\u0629 \u0645\u0646 \u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u063a\u0644\u0628 \u0643\u0627\u0644\u0639\u0646\u0641 \u0648\u0627\u0644\u062a\u0647\u062f\u064a\u062f \u0644\u0644\u0625\u062e\u0636\u0627\u0639 \u060c\u060c \u0641\u0627\u0644\u0625\u0631\u0647\u0627\u0628\u064a \u0647\u0648 \u0627\u0644\u0634\u062e\u0635 \u0627\u0644\u0630\u064a \u0623\u0648\u0642\u0639 \u0627\u0644\u0631\u0639\u0628 \u0648\u0627\u0644\u0630\u0639\u0631 \u0648\u0627\u0644\u0641\u0632\u0639 \u0641\u064a \u0646\u0641\u0648\u0633 \u0627\u0644\u0646\u0627\u0633 \u0628\u063a\u0631\u0636 \u0625\u062e\u0636\u0627\u0639\u0647\u0645 \u0644\u0645\u0627 \u064a\u0631\u064a\u062f .<\/p>\n

\u0648\u0627\u0644\u0625\u0631\u0647\u0627\u0628 \u0641\u064a \u0644\u063a\u0629 \u0627\u0644\u0633\u064a\u0627\u0633\u0629 \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0623\u064a \u0641\u0639\u0644 \u0645\u0646 \u0623\u064a \u0634\u062e\u0635 \u0630\u0627\u062a \u0635\u0644\u0629 \u0628\u0645\u0646\u0638\u0645\u0629 \u062a\u0647\u062f\u0641 \u0625\u0644\u0649 \u0625\u0633\u0642\u0627\u0637 \u062d\u0643\u0648\u0645\u0629 \u0634\u0631\u0639\u064a\u0629 \u0623\u0648 \u0627\u0644\u062a\u0623\u062b\u064a\u0631 \u0639\u0644\u064a\u0647\u0627 \u0648\u0630\u0644\u0643 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0642\u0648\u0629 \u0623\u0648 \u0627\u0644\u0639\u0646\u0641<\/p>\n

\u0627\u0644\u0625\u0636\u0631\u0627\u0628 \u2013 \u0625\u0636\u0631\u0627\u0628 \u0627\u0644\u0639\u0645\u0627\u0644 Strike<\/span><\/p>\n

\u0627\u0644\u0625\u0636\u0631\u0627\u0628 \u0647\u0648 \u0627\u0645\u062a\u0646\u0627\u0639 \u0627\u0644\u0639\u0645\u0627\u0644 \u0639\u0646 \u0623\u062f\u0627\u0621 \u0627\u0644\u0639\u0645\u0644 \u0644\u0625\u062c\u0628\u0627\u0631 \u0635\u0627\u062d\u0628 \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u062c\u0627\u0628\u0629 \u0644\u0645\u0637\u0627\u0644\u0628\u0647\u0645 \u060c\u060c \u0643\u0637\u0644\u0628\u0647\u0645 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0623\u062c\u0648\u0631 \u0623\u0648 \u062a\u062d\u0633\u064a\u0646 \u0634\u0631\u0648\u0637 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u062e<\/p>\n

\u0648\u0625\u0630\u0627 \u0627\u0645\u062a\u062f\u062a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0644\u062a\u063a\u0637\u064a \u0627\u0644\u0625\u0636\u0631\u0627\u0628 \u0641\u0625\u0646 \u0627\u0644\u063a\u0637\u0627\u0621 \u064a\u0642\u062a\u0635\u0631 \u0639\u0644\u0649 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u0625\u0636\u0631\u0627\u0628 \u060c\u060c \u0648\u0644\u0627 \u064a\u0645\u062a\u062f \u0627\u0644\u063a\u0637\u0627\u0621 \u0625\u0644\u0649 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u062a\u0628\u0639\u064a\u0629 \u0643\u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0625\u0644\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0624\u0645\u0646 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062a\u0628\u0639\u064a\u0629 \u0643\u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/p>\n

6- \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062a\u0628\u0639\u064a\u0629 \u0623\u0648 \u0627\u0644\u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629<\/span><\/p>\n

\u0645\u0646 \u0627\u0644\u0645\u0639\u0631\u0648\u0641 \u0623\u0646 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0644\u0627 \u062a\u0639\u0648\u0636 \u0625\u0644\u0627 \u0639\u0646 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0641\u0642\u0637 \u060c\u060c \u0644\u0630\u0627 \u0641\u064a \u062d\u0627\u0644\u0629 \u062d\u062f\u0648\u062b \u062d\u0631\u064a\u0642 \u0641\u0625\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0633\u064a\u0639\u0627\u0646\u064a \u0645\u0646 \u062e\u0633\u0627\u0626\u0631 \u062a\u0628\u0639\u064a\u0629 \u0623\u0648 \u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629 \u0628\u062e\u0644\u0627\u0641 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u062a\u0623\u062b\u0631\u0629 \u0628\u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u0647\u0630\u0647 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629 \u062a\u062a\u0645\u062b\u0644 \u0641\u064a \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0646\u062a\u064a\u062c\u0629 \u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0639\u0642\u0628 \u062d\u0627\u062f\u062b \u062d\u0631\u064a\u0642 fire business interruption \u060c\u060c \u0648\u062a\u062a\u0645\u062b\u0644 \u0623\u064a\u0636\u0627\u064b \u0641\u064a \u0641\u0642\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u060c\u060c \u0648\u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u062f\u0646\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u062c\u0627\u0647 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u062b\u0627\u0644\u062b \u060c\u060c \u0648\u0645\u0635\u0627\u0631\u064a\u0641 \u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0623\u0646\u0642\u0627\u0636 \u060c\u060c \u0648\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062a\u0628\u0639\u064a\u0629 \u0623\u0648 \u0627\u0644\u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629 \u064a\u063a\u0637\u064a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0646\u0642\u062f\u064a\u0629) \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u062e\u0637\u0631 \u0645\u0624\u0645\u0646 \u0636\u062f\u0647 \u060c\u060c \u0641\u064a \u0635\u0648\u0631\u0629 \u0623\u063a\u0637\u064a\u0629 \u0625\u0636\u0627\u0641\u064a\u0629 \u0639\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642<\/p>\n

6\/1 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \/ \u0623\u0648 \u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631<\/span><\/p>\n

Rent insurance \/ Loss of rent insurance<\/p>\n

* \u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u064a\u0634\u0628\u0647 \u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0645\u0646 \u062d\u064a\u062b \u0625\u0646\u0647\u0645\u0627 \u0645\u0646 \u0648\u062b\u0627\u0626\u0642 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0646\u0635\u0631 \u0627\u0644\u0632\u0645\u0646\u064a time element policies \u062d\u064a\u062b \u062a\u062a\u062d\u0642\u0642 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 (\u0641\u0642\u062f \u0627\u0644\u062f\u062e\u0644) \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0632\u0645\u0646 \u0628\u0639\u062f \u062d\u062f\u0648\u062b \u0627\u0644\u0636\u0631\u0631 \u0627\u0644\u0645\u0627\u062f\u064a<\/p>\n

* \u0635\u0627\u062d\u0628 \u0627\u0644\u0639\u0642\u0627\u0631 \u0627\u0644\u0630\u064a \u064a\u0639\u062a\u0645\u062f \u0641\u064a \u0645\u0639\u064a\u0634\u062a\u0647 \u0639\u0644\u0649 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0627\u0644\u0630\u064a \u064a\u062d\u0635\u0644 \u0639\u0644\u064a\u0647 \u0645\u0646 \u062a\u0623\u062c\u064a\u0631 \u0627\u0644\u0639\u0642\u0627\u0631 \u0623\u0648 \u0627\u0644\u0645\u0628\u0646\u0649 \u060c\u060c \u0633\u0648\u0641 \u064a\u062c\u062f \u0646\u0641\u0633\u0647 \u0628\u062f\u0648\u0646 \u062f\u062e\u0644 \u0625\u0630\u0627 \u0623\u0635\u0628\u062d \u0627\u0644\u0639\u0642\u0627\u0631 \u0641\u064a \u062d\u0627\u0644\u0629 \u063a\u064a\u0631 \u0635\u0627\u0644\u062d\u0629 \u0644\u0644\u0633\u0643\u0646 \u0628\u0633\u0628\u0628 \u062a\u062d\u0642\u0642 \u062e\u0637\u0631 \u0645\u0624\u0645\u0646 \u0636\u062f\u0647 \u0645\u062b\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 \u0623\u0648 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u060c\u060c \u0644\u0630\u0627 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u064a\u062a\u0639\u0644\u0642 \u0628\u062a\u0639\u0648\u064a\u0636 \u0645\u0627\u0644\u0643 \u0627\u0644\u0645\u0628\u0646\u0649 \u0639\u0646 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0623\u062b\u0646\u0627\u0621 \u0645\u062f\u0629 \u0627\u0644\u062a\u0635\u0644\u064a\u062d\u0627\u062a \u0628\u0639\u062f \u062d\u062f\u0648\u062b \u0627\u0644\u062d\u0627\u062f\u062b \u060c\u060c \u0648\u0647\u0630\u0647 \u0627\u0644\u062a\u0635\u0644\u064a\u062d\u0627\u062a \u0642\u062f \u062a\u0633\u062a\u0645\u0631 \u0644\u0645\u062f\u0629 \u0637\u0648\u064a\u0644\u0629 \u0645\u0646 \u0627\u0644\u0632\u0645\u0646 \u062d\u062a\u0649 \u064a\u062a\u0645 \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u0645\u0628\u0646\u0649 \u0625\u0644\u0649 \u0633\u0627\u0628\u0642 \u062d\u0627\u0644\u0629 \u060c\u060c \u0648\u0644\u0630\u0644\u0643 \u0641\u0625\u0646 \u0645\u0627\u0644\u0643 \u0627\u0644\u0645\u0628\u0646\u0649 \u0644\u0647 \u0645\u0635\u0644\u062d\u0629 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u060c\u060c \u0644\u0623\u0646\u0647 \u0633\u064a\u0641\u0642\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0644\u0648 \u062a\u0631\u0643 \u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631 \u0627\u0644\u0645\u0628\u0646\u0649 \u0644\u0623\u0646\u0647 \u0623\u0635\u0628\u062d \u063a\u064a\u0631 \u0635\u0627\u0644\u062d \u0644\u0644\u0633\u0643\u0646 \u0639\u0642\u0628 \u062d\u0627\u062f\u062b \u0645\u063a\u0637\u0649 \u0628\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0648\u0644\u0627\u0628\u062f \u0645\u0646 \u0648\u062c\u0648\u062f \u0648\u062b\u064a\u0642\u0629 \u062d\u0631\u064a\u0642 \u0623\u0648 \u0648\u062b\u064a\u0642\u0629 \u0645\u0645\u062a\u0644\u0643\u0627\u062a \u062a\u063a\u0637\u064a \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u062d\u062a\u0649 \u064a\u0642\u0628\u0644 \u0627\u0644\u0645\u0624\u0645\u0646 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u060c\u060c \u0648\u0641\u0642\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u064a\u062a\u0645 \u062a\u063a\u0637\u064a\u062a\u0647 \u0628\u0645\u0648\u062c\u0628 \u0645\u0644\u062d\u0642 \u0625\u0636\u0627\u0641\u0629 \u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u062d\u062a\u0649 \u062a\u0642\u0628\u0644 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0627\u0644\u0645\u0641\u0642\u0648\u062f \u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0642\u0628\u0644\u062a \u0645\u0633\u0626\u0648\u0644\u064a\u062a\u0647\u0627 \u0639\u0646 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0628\u0645\u0648\u062c\u0628 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0645\u062b\u0644 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642<\/p>\n

* \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0641\u0631\u0636 \u0642\u0633\u0637 \u0625\u0636\u0627\u0641\u064a \u0639\u0646 \u062a\u063a\u0637\u064a\u0629 \u0641\u0642\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0646\u062a\u064a\u062c\u0629 \u062d\u0627\u062f\u062b \u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u064a\u062a\u0645 \u0627\u062d\u062a\u0633\u0627\u0628 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0625\u0636\u0627\u0641\u064a \u0628\u0636\u0631\u0628 \u0633\u0639\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u0636\u0627\u0641\u064a \u0641\u064a \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0648\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u062f\u062e\u0644 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u062e\u0644\u0627\u0644 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0648\u0627\u0644\u0630\u064a \u064a\u062d\u062f\u062f \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0647\u0648 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u060c\u060c<\/p>\n

* \u0648\u0628\u0627\u0646\u062a\u0647\u0627\u0621 \u0645\u0641\u0639\u0648\u0644 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u0646\u062a\u0647\u064a \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0646 \u062e\u0637\u0631 \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u0639\u0646 \u062e\u0637\u0631 \u0641\u0642\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c<\/p>\n

* \u0648\u064a\u062a\u0645 \u062f\u0641\u0639 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0634\u0647\u0631\u064a\u0627\u064b \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u0632\u0645\u0646\u064a\u0629 \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u0645\u0628\u0646\u0649 \u0625\u0644\u0649 \u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u062a\u064a \u064a\u0635\u0628\u062d \u0641\u064a\u0647\u0627 \u0635\u0627\u0644\u062d\u0627\u064b \u0644\u0644\u0627\u0633\u062a\u0639\u0645\u0627\u0644 \u0623\u0648 \u062e\u0644\u0627\u0644 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0623\u064a\u0647\u0645\u0627 \u0623\u0642\u0631\u0628 \u0648\u0628\u062d\u062f \u0623\u0642\u0635\u0649 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/p>\n

* \u062c\u062f\u064a\u0631 \u0628\u0627\u0644\u0630\u0643\u0631 \u0623\u0646 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u064a\u0645\u0643\u0646 \u062a\u063a\u0637\u064a\u062a\u0647 \u062a\u062d\u062a \u0628\u0646\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0628\u0645\u0648\u062c\u0628 \u0648\u062b\u064a\u0642\u0629 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0639\u0646\u062f\u0645\u0627 \u064a\u062f\u0641\u0639 \u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631 \u0625\u064a\u062c\u0627\u0631 \u062b\u0627\u0628\u062a \u0623\u062b\u0646\u0627\u0621 \u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u0627\u0644\u0639\u0645\u0644<\/p>\n

* \u0648\u064a\u062c\u0628 \u0639\u062f\u0645 \u0627\u0644\u062e\u0644\u0637 \u0628\u064a\u0646 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0648\u0636\u0645\u0627\u0646 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u060c\u060c<\/p>\n

\u0636\u0645\u0627\u0646 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 rent guarantee \u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647 \u0623\u064a\u0636\u0627\u064b \u062a\u0623\u0645\u064a\u0646 \u062a\u0648\u0642\u0641 \u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631 \u0639\u0646 \u0627\u0644\u062f\u0641\u0639 tenant default insurance \u0647\u0648 \u062a\u0623\u0645\u064a\u0646 \u064a\u0639\u0648\u0636 \u0645\u0627\u0644\u0643 \u0627\u0644\u0639\u0642\u0627\u0631 \u0639\u0646 \u0631\u0641\u0636 \u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631 \u062f\u0641\u0639 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u060c\u060c \u0648\u0647\u0630\u0627 \u0627\u0644\u0636\u0645\u0627\u0646 \u063a\u064a\u0631 \u0645\u062a\u0627\u062d \u0641\u064a \u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u062f\u0648\u0644<\/p>\n

6\/2 \u063a\u0637\u0627\u0621 \u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u062f\u0646\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642<\/span><\/p>\n

Fire Legal Liability<\/p>\n

\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u062f\u0646\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u064a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 \u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0627\u0644\u0622\u062a\u064a\u0629 :<\/p>\n

1 \u2013 \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 (\u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631) \u062a\u062c\u0627\u0647 \u0645\u0627\u0644\u0643 \u0627\u0644\u0639\u0642\u0627\u0631 \u0639\u0646 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0628\u0627\u0644\u0639\u0642\u0627\u0631 \u0627\u0644\u062a\u064a \u0633\u0628\u0628\u0647\u0627 \u062d\u0631\u064a\u0642 \u064a\u062d\u062f\u062b \u0641\u064a \u0627\u0644\u062c\u0632\u0621 \u0627\u0644\u0630\u064a \u064a\u0634\u063a\u0644\u0647 \u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631 \u0645\u0646 \u0627\u0644\u0645\u0628\u0646\u0649 .<\/p>\n

2 \u2013 \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646 \u0627\u0644\u0636\u0631\u0631 \u0644\u0644\u0645\u0646\u0642\u0648\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u0641\u064a \u062d\u064a\u0627\u0632\u062a\u0647 \u0623\u0648 \u0639\u0647\u062f\u062a\u0647 \u0623\u0648 \u062a\u062d\u062a \u0633\u064a\u0637\u0631\u062a\u0647 \u0645\u062b\u0644 \u0645\u064f\u0644\u0627\u0643 \u0623\u0648 \u0645\u0633\u062a\u0623\u062c\u0631\u064a \u0627\u0644\u062c\u0631\u0627\u062c\u0627\u062a \u0627\u0644\u0639\u0645\u0648\u0645\u064a\u0629 \u0648\u0648\u0631\u0634 \u0627\u0644\u0635\u064a\u0627\u0646\u0629 \u0648\u0645\u062d\u0637\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0629 \u0648\u0635\u0627\u0644\u0627\u062a \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u0645\u0632\u0627\u062f\u0627\u062a \u062a\u062c\u0627\u0647 \u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u063a\u064a\u0631 \u0648\u0633\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u063a\u064a\u0631 \u0627\u0644\u0645\u0648\u062f\u0639\u0629 \u0644\u062f\u064a\u0647\u0645 \u060c\u060c \u0648\u0628\u0639\u0636 \u0627\u0644\u0645\u062d\u0644\u0627\u062a \u0645\u062b\u0644 \u0645\u062d\u0644\u0627\u062a \u062a\u0646\u0638\u064a\u0641 \u0627\u0644\u0645\u0644\u0627\u0628\u0633 \u0648\u0645\u062d\u0644\u0627\u062a \u0627\u0644\u0628\u064a\u0639 \u0628\u0627\u0644\u0639\u0645\u0648\u0644\u0629 \u0648\u0645\u062d\u0644\u0627\u062a \u0627\u0644\u0635\u064a\u0627\u0646\u0629 \u062a\u0633\u062a\u0637\u064a\u0639 \u0623\u0646 \u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u062a\u0623\u0645\u064a\u0646 \u062d\u0631\u064a\u0642 \u0639\u0644\u0649 \u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629 \u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u062f\u0646\u064a\u0629 \u060c\u060c \u0648\u0645\u0646 \u0627\u0644\u0646\u0627\u062d\u064a\u0629 \u0627\u0644\u0623\u062e\u0631\u0649 \u0646\u062c\u062f \u0628\u0639\u0636 \u0627\u0644\u0645\u0646\u0634\u0622\u062a \u0645\u062b\u0644 \u0635\u0627\u062d\u0628 \u0627\u0644\u062c\u0631\u0627\u0686 \u064a\u0633\u062a\u0637\u064a\u0639 \u0623\u0646 \u064a\u0634\u062a\u0631\u064a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0643\u062e\u0637\u0631 \u0625\u0636\u0627\u0641\u064a \u0639\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0644\u062a\u062d\u0645\u064a\u0647 \u0645\u0646 \u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0641\u064a \u062d\u0627\u0644\u0629 \u062d\u062f\u0648\u062b \u062d\u0631\u064a\u0642 \u064a\u0633\u0628\u0628 \u0636\u0631\u0631 \u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u063a\u064a\u0631 \u0627\u0644\u0645\u0648\u062f\u0639\u0629 \u0644\u062f\u064a\u0647 \u060c\u060c \u0644\u0630\u0627 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u062f\u0646\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u064a\u062a\u0645 \u0645\u0646\u062d\u0647 \u0643\u0625\u0639\u0641\u0627\u0621 \u0645\u0646 \u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 exception to the policy exclusions \u0627\u0644\u062a\u064a \u062a\u0633\u0631\u064a \u0639\u0644\u0649 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u062a\u064a \u0641\u064a \u062d\u064a\u0627\u0632\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647<\/p>\n

\u0648\u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u0646 \u064a\u062d\u062f\u062f \u0645\u0628\u0644\u063a \u064a\u0645\u062b\u0644 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u064a\u063a\u0637\u064a \u0643\u0627\u0645\u0644 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u060c\u060c \u0648\u0639\u0646 \u0637\u0631\u064a\u0642 \u0636\u0631\u0628 \u0647\u0630\u0627 \u0627\u0644\u0645\u0628\u0644\u063a \u0641\u064a \u0645\u0639\u062f\u0644 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u062e\u0627\u0635 \u0628\u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u062f\u0646\u064a\u0629 \u0646\u062d\u0635\u0644 \u0639\u0644\u0649 \u0642\u0633\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 75 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0643\u0627\u0646\u062a \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0644\u0644\u0645\u0628\u0646\u0649 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u0633\u0627\u0648\u064a 100 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0641\u0625\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u062f\u0641\u063975 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0644\u0635\u0627\u062d\u0628 \u0627\u0644\u0645\u0628\u0646\u0649 \u0648\u064a\u062f\u0641\u0639 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0627\u0644\u0628\u0627\u0642\u064a \u0645\u0646 \u062c\u064a\u0628\u0647<\/p>\n

\u0625\u0646 \u063a\u0637\u0627\u0621 \u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u062f\u0646\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u064a\u0631\u062a\u0628\u0637 \u0628\u0646\u0635\u0648\u0635 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u060c\u060c \u0648\u0647\u0648 \u0645\u0633\u0623\u0644\u0629 \u062e\u0627\u0635\u0629 \u0644\u0643\u0644 \u0628\u0644\u062f \u060c\u060c \u0648\u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u0628\u0644\u0627\u062f \u0641\u0625\u0646 \u063a\u0637\u0627\u0621 \u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u062f\u0646\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0644\u0627 \u064a\u0643\u0648\u0646 \u0645\u0646\u0627\u0633\u0628\u0627\u064b \u0623\u0648 \u0643\u0627\u0641\u064a\u0627\u064b \u0644\u0630\u0627 \u0641\u0625\u0646 \u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631 \u064a\u0628\u0631\u0645 \u062a\u0623\u0645\u064a\u0646 \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0645\u062f\u0646\u064a\u0629 \u064a\u0645\u0646\u062d\u0647 \u063a\u0637\u0627\u0621 \u0639\u0646 \u0623\u064a \u0636\u0631\u0631 \u064a\u062d\u062f\u062b \u0644\u0644\u0645\u0628\u0646\u0649 \u0623\u062b\u0646\u0627\u0621 \u0643\u0648\u0646\u0647 \u0645\u0633\u062a\u0623\u062c\u0631\u0627\u064b \u0644\u0623\u0646\u0647 \u0648\u0642\u0639 \u0639\u0644\u0649 \u0639\u0642\u062f \u0625\u064a\u062c\u0627\u0631 \u0628\u0647\u0630\u0627 \u0627\u0644\u0645\u0639\u0646\u0649<\/p>\n

6\/3 \u063a\u0637\u0627\u0621 \u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0623\u0646\u0642\u0627\u0636<\/span><\/p>\n

debris removal coverage<\/p>\n

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\u0641\u0625\u0646 \u0645\u0635\u0627\u0631\u064a\u0641 \u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0623\u0646\u0642\u0627\u0636 \u062a\u0643\u0648\u0646 \u062e\u0636\u0639\u062a \u0628\u0637\u0631\u064a\u0642\u0629 \u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629<\/p>\n

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* \u0648\u0628\u0639\u0636 \u0634\u0631\u0648\u0637 \u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0623\u0646\u0642\u0627\u0636 \u0642\u062f \u062a\u062c\u0639\u0644 \u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0623\u0646\u0642\u0627\u0636 \u0645\u0642\u0635\u0648\u0631\u0627\u064b \u0639\u0644\u0649 \u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 \u0648\u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u0645\u062c\u0627\u0648\u0631 \u0641\u0642\u0637 \u060c\u060c \u0644\u0623\u0646\u0647 \u0641\u064a \u062d\u0627\u0644\u0627\u062a \u0645\u0639\u064a\u0646\u0629 \u0645\u062b\u0644 \u0627\u0644\u062d\u0631\u0627\u0626\u0642 \u0627\u0644\u0636\u062e\u0645\u0629 \u0644\u0644\u0645\u0628\u0627\u0646\u064a \u0627\u0644\u0625\u0633\u0628\u0633\u062a\u0648\u0633 \u0641\u0625\u0646 \u0627\u0644\u062d\u0637\u0627\u0645 \u064a\u062a\u0646\u0627\u062b\u0631 \u0639\u0644\u0649 \u0645\u0633\u0627\u062d\u0627\u062a \u0648\u0627\u0633\u0639\u0629 \u062c\u062f\u0627\u064b \u060c\u060c \u0648\u062a\u0643\u0648\u0646 \u062a\u0643\u0644\u0641\u0629 \u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0623\u0646\u0642\u0627\u0636 \u0648\u062a\u0646\u0638\u064a\u0641 \u0647\u0630\u0647 \u0627\u0644\u0623\u0645\u0627\u0643\u0646 \u0645\u0631\u062a\u0641\u0639\u0629 \u062c\u062f\u0627\u064b \u060c\u060c<\/p>\n

* \u0646\u0641\u0633 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0639\u0627\u0645\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a \u0628\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u0633\u0631\u064a \u0639\u0644\u0649 \u063a\u0637\u0627\u0621 \u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0623\u0646\u0642\u0627\u0636 \u0623\u0648 \u0623\u064a \u063a\u0637\u0627\u0621 \u0625\u0636\u0627\u0641\u064a \u0622\u062e\u0631 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u0633\u062a\u062b\u0646\u064a \u0625\u062d\u0631\u0627\u0642 \u0627\u0644\u0634\u064a\u0621 \u0628\u0623\u0645\u0631 \u0633\u0644\u0637\u0629 \u0639\u0627\u0645\u0629 \u060c\u060c \u0641\u0625\u0646 \u0646\u0641\u0633 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u064a\u0633\u0631\u064a \u0639\u0644\u0649 \u063a\u0637\u0627\u0621 \u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0623\u0646\u0642\u0627\u0636 \u060c\u060c \u0648\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0634\u0631\u0637 \u0627\u0644\u062a\u062d\u0643\u064a\u0645 \u0648\u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0628\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u064a\u0633\u0631\u064a \u0639\u0644\u0649 \u063a\u0637\u0627\u0621 \u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0623\u0646\u0642\u0627\u0636<\/p>\n

7 \u2013 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629<\/span> settlement of the claim<\/span><\/p>\n

\u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u062a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0633\u062f\u0627\u062f \u062f\u064a\u0646 \u0623\u0648 \u062d\u0633\u0627\u0628 \u0623\u0648 \u0645\u0637\u0627\u0644\u0628\u0629 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u060c\u060c \u0623\u0648 \u062a\u0633\u0648\u064a\u0629 \u062e\u0644\u0627\u0641 \u0623\u0648 \u0645\u0634\u0643\u0644\u0629 (\u062d\u0644\u0647\u0627) \u060c\u060c \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0627 \u062a\u0634\u064a\u0631 \u0641\u0642\u0637 \u0625\u0644\u0649 \u0633\u062f\u0627\u062f \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u060c\u060c \u0648\u0644\u0643\u0646 \u062a\u0634\u064a\u0631 \u0623\u064a\u0636\u0627\u064b \u0625\u0644\u0649 \u062a\u062d\u062f\u064a\u062f \u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 (\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u062e\u0633\u0627\u0631\u0629) \u0648\u0627\u0644\u062a\u0648\u0635\u0644 \u0625\u0644\u064a\u0647 \u0648\u0637\u0631\u064a\u0642\u0629 \u062f\u0641\u0639\u0647<\/p>\n

7\/1 \u0645\u0642\u064a\u0627\u0633 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0641\u064a \u0648\u062b\u0627\u0626\u0642 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a<\/span><\/p>\n

* \u0623\u063a\u0644\u0628\u064a\u0629 \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0647\u064a \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u063a\u064a\u0631 \u0645\u062d\u062f\u062f\u0629 \u0627\u0644\u0642\u064a\u0645\u0629 \u060c\u060c \u0641\u064a \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u063a\u064a\u0631 \u0645\u062d\u062f\u062f\u0629 \u0627\u0644\u0642\u064a\u0645\u0629 Unvalued Policy \u0643\u0644 \u0645\u0627 \u064a\u0630\u0643\u0631 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0647\u0648 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u064a\u0645\u062b\u0644 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u062c\u0627\u0647 \u0647\u0630\u0627 \u0627\u0644\u0634\u064a\u0621 \u060c\u060c \u0623\u0645\u0627 \u0642\u064a\u0645\u0629 \u0647\u0630\u0627 \u0627\u0644\u0634\u064a\u0621 \u0641\u0633\u0648\u0641 \u062a\u062a\u062d\u062f\u062f \u0645\u0633\u062a\u0642\u0628\u0644\u0627\u064b \u0641\u064a \u0648\u0642\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0648\u062a\u0633\u0645\u0649 \u0628\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 insurable value \u0648\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0642\u062f \u062a\u0643\u0648\u0646 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0623\u0648 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0623\u0648 \u0623\u064a \u0642\u064a\u0645\u0629 \u0623\u062e\u0631\u0649 \u064a\u062d\u062f\u062f\u0647\u0627 \u0634\u0631\u0637 \u0627\u0644\u062a\u0642\u064a\u064a\u0645<\/p>\n

\u0648\u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u063a\u064a\u0631 \u0645\u062d\u062f\u062f\u0629 \u0627\u0644\u0642\u064a\u0645\u0629 \u062a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0634\u0631\u0637 \u0636\u0645\u0646 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0639\u0645\u0648\u0645\u064a\u0629 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647 \u0634\u0631\u0637 \u0627\u0644\u062a\u0642\u064a\u064a\u0645 Valuation Clause \u064a\u062d\u062f\u062f \u0644\u0646\u0627 \u0645\u0642\u064a\u0627\u0633 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 (\u0623\u0633\u0627\u0633 \u0627\u0644\u062a\u0639\u0648\u064a\u0636) \u060c\u060c \u064a\u0639\u0646\u064a \u0647\u0644 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 (\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629) \u0647\u064a \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0644\u0644\u0634\u064a\u0621 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 \u060c\u060c \u0647\u0644 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0647\u064a \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0644\u0644\u0634\u064a\u0621 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647<\/p>\n

\u0648\u0644\u0645\u0639\u0631\u0641\u0629 \u0645\u0627 \u0647\u064a \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0643\u0645\u0642\u064a\u0627\u0633 \u0644\u0644\u062a\u0639\u0648\u064a\u0636 \u0641\u0625\u0646 \u0634\u0631\u0637 \u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u064a\u062d\u062f\u062f \u0642\u064a\u0645\u0629 \u0645\u0646 \u0627\u0644\u0642\u064a\u0645 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 :<\/p>\n

1 \u2013 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0648\u064a\u062a\u0645 \u062a\u062d\u062f\u064a\u062f\u0647\u0627 \u0628\u0637\u0631\u064a\u0642\u0629 \u0645\u0646 \u0637\u0631\u064a\u0642\u062a\u064a\u0646 \u0647\u0645\u0627:<\/span><\/p>\n

\u0642\u064a\u0645\u0629 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0645\u0637\u0631\u0648\u062d\u0627\u064b \u0645\u0646\u0647\u0627 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643<\/p>\n

\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629 \u0627\u0644\u0639\u0627\u062f\u0644\u0629 \u0641\u064a \u0648\u0642\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0645\u0628\u0627\u0634\u0631\u0629<\/p>\n

\u0648\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u064a\u062f\u0639\u0645\u0647\u0627 \u0645\u0628\u062f\u0623 \u0627\u0644\u062a\u0639\u0648\u064a\u0636<\/p>\n

2 \u2013 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644<\/span><\/p>\n

replacement cost value (RCV) \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644\u064a\u0629 replacement cost insurance \u0648\u064a\u0639\u062a\u0628\u0631 \u062e\u0631\u0648\u062c\u0627\u064b \u0639\u0646 \u0645\u0628\u062f\u0623 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0623\u0648 \u062a\u0648\u0633\u064a\u0639\u0627\u064b \u0644\u0647 \u060c\u060c \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 (\u0627\u0644\u062c\u062f\u064a\u062f \u0628\u062f\u0644 \u0627\u0644\u0642\u062f\u064a\u0645) \u064a\u0633\u0631\u064a \u0639\u0644\u0649 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0645\u0627\u0639\u062f\u0627 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u060c\u060c \u0641\u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u064a\u062e\u0636\u0639 \u062f\u0627\u0626\u0645\u0627\u064b \u0644\u0645\u0628\u062f\u0623 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0643\u0645\u0627 \u0623\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0642\u062f\u064a\u0645\u0629 \u0623\u0648 \u0627\u0644\u0645\u062a\u0642\u0627\u062f\u0645\u0629 \u0644\u0627 \u062a\u0635\u0644\u062d \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644<\/p>\n

3 \u2013 \u0623\u064a \u0642\u064a\u0645\u0629 \u0623\u062e\u0631\u0649 \u064a\u062d\u062f\u062f\u0647\u0627 \u0634\u0631\u0637 \u0627\u0644\u062a\u0642\u064a\u064a\u0645<\/span><\/p>\n

\u0648\u0627\u0644\u0637\u0631\u0642 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u062a\u0633\u062a\u062e\u062f\u0645 \u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0643\u0644\u064a\u0629 \u060c\u060c \u0648\u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062c\u0632\u0626\u064a\u0629 \u0641\u0625\u0646 \u0645\u0642\u064a\u0627\u0633 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0647\u0648 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u062a\u0635\u0644\u064a\u062d\u0627\u062a \u064a\u0639\u0646\u064a \u062a\u0643\u0644\u0641\u0629 \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u0634\u064a\u0621 \u0625\u0644\u0649 \u0623\u0635\u0644\u0647 \u0645\u0639 \u0627\u0644\u062e\u0636\u0648\u0639 \u0644\u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u062e\u0636\u0639 \u0644\u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629<\/p>\n

\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u0641\u0627\u0635\u064a\u0644 \u0639\u0646 \u0645\u0642\u064a\u0627\u0633 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0648\u0634\u0631\u0648\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0648\u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u060c\u060c \u0631\u0627\u062c\u0639 \u0645\u0642\u0627\u0644 (( \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 ))<\/p>\n

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\u0642\u062f \u062a\u0634\u062a\u0645\u0644 \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0634\u0631\u0637 \u0633\u0639\u0631 \u0639\u0642\u0648\u062f \u0627\u0644\u0628\u064a\u0639 Contract price clause \/ selling price clause \u0648\u064a\u0646\u0635 \u0639\u0644\u0649 \u0623\u0646 \u0633\u0639\u0631 \u0628\u064a\u0639 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u0645\u0628\u0627\u0639\u0629 \u0648\u0644\u0643\u0646 \u0644\u0645 \u064a\u062a\u0645 \u062a\u0633\u0644\u064a\u0645\u0647\u0627 \u0625\u0644\u0649 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0633\u0648\u0641 \u064a\u0643\u0648\u0646 \u0647\u0648 \u0627\u0644\u0623\u0633\u0627\u0633 \u0641\u064a \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0648\u062f\u0641\u0639 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0644\u0648 \u0644\u0645 \u064a\u0646\u0641\u0630 \u0639\u0642\u062f \u0627\u0644\u0628\u064a\u0639 \u0628\u0633\u0628\u0628 \u062d\u0627\u062f\u062b \u062d\u0631\u064a\u0642 \u0648\u0628\u0634\u0631\u0637 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0645\u0627\u0632\u0627\u0644 \u0645\u0633\u0626\u0648\u0644\u0627\u064b \u0639\u0646 \u062a\u0633\u0644\u064a\u0645 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u060c\u060c \u0625\u0646 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0641\u064a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644 \u0644\u0627 \u064a\u0645\u0643\u0646 \u062a\u063a\u0637\u064a\u062a\u0647 \u0628\u0645\u0648\u062c\u0628 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0625\u0644\u0627 \u0628\u0646\u0635 \u0635\u0631\u064a\u062d \u060c\u060c \u0623\u0645\u0627 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0630\u064a \u0627\u0643\u062a\u0633\u0628 \u0642\u0628\u0644 \u0648\u0642\u0648\u0639 \u062d\u0627\u062f\u062b \u0627\u0644\u062d\u0631\u064a\u0642 \u0641\u0625\u0646\u0647 \u064a\u0639\u062a\u0628\u0631 \u0631\u0628\u062d\u0627\u064b \u062d\u0642\u064a\u0642\u064a\u0627\u064b \u064a\u0645\u0643\u0646 \u062a\u063a\u0637\u064a\u062a\u0647 \u0628\u0645\u0648\u062c\u0628 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0639\u0646 \u0637\u0631\u064a\u0642 \u0625\u0636\u0627\u0641\u0629 \u0634\u0631\u0637 \u0633\u0639\u0631 \u0639\u0642\u0648\u062f \u0627\u0644\u0628\u064a\u0639 \u0627\u0644\u0630\u064a \u064a\u0646\u0635 \u0639\u0644\u0649 \u0623\u0646 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u062a\u064a \u062a\u0645 \u0628\u064a\u0639\u0647\u0627 \u0648\u0644\u0645 \u064a\u062a\u0645 \u062a\u0633\u0644\u064a\u0645\u0647\u0627 \u0625\u0644\u0649 \u0627\u0644\u0645\u0634\u062a\u0631\u064a \u0642\u0628\u0644 \u062d\u062f\u0648\u062b \u0627\u0644\u062d\u0627\u062f\u062b \u064a\u062a\u0645 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0646\u0647\u0627 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0633\u0639\u0631 \u0627\u0644\u0628\u064a\u0639 \u0627\u0644\u0645\u062d\u062f\u062f \u0641\u064a \u0627\u0644\u0639\u0642\u062f Contract Price \u0645\u0639 \u0627\u0644\u062e\u0636\u0648\u0639 \u0644\u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629<\/p>\n

\u0648\u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u062a\u062d\u062a \u0627\u0644\u062a\u0634\u063a\u064a\u0644 (\u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u063a\u064a\u0631 \u0645\u0643\u062a\u0645\u0644\u0629 \u0627\u0644\u0635\u0646\u0639) \u0641\u0625\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u062a\u0643\u0648\u0646 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0625\u0646\u062a\u0627\u062c \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u0625\u0646\u062a\u0627\u062c\u0647\u0627 \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u060c\u060c \u0648\u062a\u0634\u062a\u0645\u0644 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0625\u0646\u062a\u0627\u062c \u0639\u0644\u0649 \u0633\u0639\u0631 \u0627\u0644\u0645\u0648\u0627\u062f \u0627\u0644\u062e\u0627\u0645 \u0648\u0623\u062c\u0648\u0631 \u0627\u0644\u0639\u0645\u0627\u0644\u0629 \u0648\u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0639\u0627\u0645\u0629 \u0627\u0644\u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629 \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u062a\u0635\u0646\u064a\u0639\u0647\u0627 \u060c<\/p>\n

7\/5 \u0645\u0642\u064a\u0627\u0633 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0644\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0645\u0646\u0632\u0644\u064a\u0629<\/span><\/p>\n

\u060c\u060c \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0645\u0646\u0632\u0644\u064a\u0629 \u0628\u0627\u0644\u0645\u0646\u0627\u0632\u0644 \u0641\u0625\u0646 \u0623\u0633\u0627\u0633 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0647\u0648 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0645\u0637\u0631\u0648\u062d\u0627\u064b \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643 \u0645\u0639 \u0639\u062f\u0645 \u0627\u0644\u0623\u062e\u0630 \u0628\u0623\u064a \u0639\u0648\u0627\u0645\u0644 \u0634\u062e\u0635\u064a\u0629 \u0623\u0648 \u0639\u0627\u0637\u0641\u064a\u0629 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u060c\u060c \u0641\u0647\u0630\u0647 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0642\u064a\u0645\u0629 \u0634\u062e\u0635\u064a\u0629 subjective value \u0623\u0648 \u0642\u064a\u0645\u0629 \u0639\u0627\u0637\u0641\u064a\u0629 sentimental value \u0644\u0627 \u062a\u0635\u0644\u062d \u0644\u0644\u0642\u064a\u0627\u0633 \u0627\u0644\u0645\u0648\u0636\u0648\u0639\u064a \u0628\u0627\u0644\u0646\u0642\u0648\u062f<\/p>\n

8- \u0623\u0646\u0648\u0627\u0639 \u062e\u0627\u0635\u0629 \u0645\u0646 \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a<\/span><\/p>\n

8\/1 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a<\/span><\/p>\n

(\u0623\u0648 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a)<\/span><\/p>\n

stock declaration policy ( Declaration Policies \/ declaration insurance policies)<\/p>\n

\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0648\u0643\u0645\u064a\u0627\u062a\u0647 \u062a\u062a\u063a\u064a\u0631 \u0645\u0646 \u064a\u0648\u0645 \u0625\u0644\u0649 \u064a\u0648\u0645 \u0623\u062b\u0646\u0627\u0621 \u0633\u0631\u064a\u0627\u0646 \u0645\u062f\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u064a\u062a\u063a\u064a\u0631 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 \u0645\u0646 \u064a\u0648\u0645 \u0625\u0644\u0649 \u064a\u0648\u0645 \u0646\u062a\u064a\u062c\u0629 \u0644\u062d\u0631\u0643\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0648\u0627\u0644\u0628\u064a\u0639 \u0648\u0646\u062a\u064a\u062c\u0629 \u062a\u063a\u064a\u0631 \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0641\u0625\u0630\u0627 \u062d\u062f\u062f \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0623\u0642\u0635\u0649 \u0645\u0628\u0644\u063a \u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 ((\u0623\u0643\u0628\u0631 \u0643\u0645\u064a\u0629 \u0645\u062e\u0632\u0648\u0646 \u064a\u062a\u0648\u0642\u0639 \u0648\u062c\u0648\u062f\u0647\u0627 \u0641\u064a \u064a\u0648\u0645 \u0645\u0639\u064a\u0646 \u0645\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629)) maximum amount at risk \u0641\u0625\u0646 \u0647\u0630\u0627 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0627 \u064a\u0643\u0648\u0646 \u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 \u0643\u0644 \u064a\u0648\u0645 \u060c\u060c \u0641\u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u064a\u062a\u0646\u0627\u0642\u0635 \u0648\u064a\u062a\u0632\u0627\u064a\u062f \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u064a\u0643\u0648\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0642\u062f \u062f\u0641\u0639 \u0642\u0633\u0637 \u0623\u0643\u0628\u0631 \u0645\u0646 \u0627\u0644\u0644\u0627\u0632\u0645 \u060c\u060c \u0648\u0625\u0630\u0627 \u062d\u062f\u062f \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 average amount at risk \u0641\u0625\u0646\u0647 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u064a\u0643\u0648\u0646 \u0642\u062f \u062a\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u064a\u0647 \u0628\u0623\u0642\u0644 \u0645\u0646 \u0642\u064a\u0645\u062a\u0647 \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u064a\u062a\u0639\u0631\u0636 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0644\u0639\u0642\u0648\u0628\u0629 \u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u060c\u060c \u0644\u0630\u0627 \u0627\u0628\u062a\u0643\u0631\u062a \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0648\u0647\u064a \u0648\u062b\u064a\u0642\u0629 \u062a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0645\u062e\u0632\u0648\u0646 (\u0627\u0644\u0628\u0636\u0627\u0626\u0639) \u060c\u060c \u0648\u064a\u062a\u0645 \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0628\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u062a\u0642\u062f\u064a\u0631\u064a (\u064a\u0642\u062f\u0631\u0647 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647) \u064a\u0645\u062b\u0644 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u0645\u0639\u0631\u0636\u0629 \u0644\u0644\u062e\u0637\u0631 (\u0645\u0628\u0644\u063a \u0627\u0644\u062e\u0637\u0631) Value at risk \u0641\u064a \u0623\u064a \u064a\u0648\u0645 \u0623\u062b\u0646\u0627\u0621 \u0645\u062f\u0629 \u0633\u0631\u064a\u0627\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0637\u0628\u0642\u0627\u064b \u0644\u062a\u0642\u062f\u064a\u0631\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u060c\u060c \u0648\u0644\u0627 \u064a\u062c\u0648\u0632 \u0623\u0646 \u062a\u0632\u064a\u062f \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a \u0627\u0644\u0645\u062d\u062f\u062f \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0648\u064a\u062a\u0645 \u062a\u062d\u0635\u064a\u0644 \u0642\u0633\u0637 \u0645\u0624\u0642\u062a Provisional Premium \u0641\u064a \u0628\u062f\u0627\u064a\u0629 \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0628\u0648\u0627\u0642\u0639 75% \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0623\u0633\u0627\u0633\u064a basic premium \u060c\u060c \u0648\u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0647\u0648 \u0646\u0627\u062a\u062c \u0636\u0631\u0628 \u0645\u0639\u062f\u0644 \u0642\u0633\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a \u060c\u060c \u0648\u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u0646 \u064a\u062e\u0637\u0631 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0625\u062e\u0637\u0627\u0631\u0627\u062a \u0634\u0647\u0631\u064a\u0629 \u062a\u0628\u064a\u0646 \u0623\u0642\u0635\u0649 \u0642\u064a\u0645\u0629 \u0644\u0644\u0645\u062e\u0632\u0648\u0646 \u0641\u064a \u062e\u0644\u0627\u0644 \u064a\u0648\u0645 \u0645\u0639\u064a\u0646 \u0645\u0646 \u0627\u0644\u0634\u0647\u0631 \u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 \u060c\u060c \u0648\u064a\u062c\u0628 \u0623\u0646 \u062a\u0642\u062f\u0645 \u0647\u0630\u0647 \u0627\u0644\u0625\u062e\u0637\u0627\u0631\u0627\u062a \u0641\u064a \u062e\u0644\u0627\u0644 \u0645\u062f\u0629 \u0645\u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0634\u0647\u0631 \u0627\u0644\u062a\u0627\u0644\u064a \u0644\u0644\u0634\u0647\u0631 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0639\u0646\u0647 \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u060c\u060c \u0648\u0641\u064a \u062d\u0627\u0644\u0629 \u0639\u062f\u0645 \u062a\u0642\u062f\u064a\u0645 \u0647\u0630\u0647 \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0633\u064a\u0641\u062a\u0631\u0636 \u0623\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0647\u0648 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 Declared Value \u0639\u0646 \u0627\u0644\u0634\u0647\u0631 \u0627\u0644\u0630\u064a \u0644\u0645 \u064a\u0642\u062f\u0645 \u0639\u0646\u0647 \u0625\u0642\u0631\u0627\u0631\u0627\u062a \u060c\u060c \u0648\u0639\u0646\u062f \u062a\u0627\u0631\u064a\u062e \u0627\u0646\u062a\u0647\u0627\u0621 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u064a\u062a\u0645 \u0627\u062d\u062a\u0633\u0627\u0628 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0641\u0639\u0644\u064a actual premium \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u0634\u0647\u0631\u064a\u0629 (\u0645\u062c\u0645\u0648\u0639 \u0642\u064a\u0645 \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u0634\u0647\u0631\u064a\u0629 \u0645\u0642\u0633\u0648\u0645\u0629 \u0639\u0644\u0649 \u0639\u062f\u062f \u0627\u0644\u0634\u0647\u0648\u0631) \u060c\u060c \u0641\u062a\u0642\u0648\u0645 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u062a\u062d\u0635\u064a\u0644 \u0642\u0633\u0637 \u0625\u0636\u0627\u0641\u064a \u0645\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0641\u0639\u0644\u064a \u0623\u0643\u0628\u0631 \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u0624\u0642\u062a \u060c\u060c \u0623\u0648 \u062a\u0631\u062f \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0642\u0633\u0637 \u0645\u0631\u062a\u062f \u0625\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0641\u0639\u0644\u064a \u0623\u0642\u0644 \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u0624\u0642\u062a<\/p>\n

\u0645\u062b\u0640\u0640\u0640\u0640\u0640\u0627\u0644 :-<\/p>\n

\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0645\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647 \u0648\u0647\u0648 \u064a\u0645\u062b\u0644 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0627\u0644\u062a\u064a \u0633\u062a\u062a\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 (\u0633\u062a\u0643\u0648\u0646 \u0645\u0648\u062c\u0648\u062f\u0629) \u0641\u064a \u0623\u064a \u064a\u0648\u0645 \u062e\u0644\u0627\u0644 \u0645\u062f\u0629 \u0633\u0631\u064a\u0627\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0648\u0644\u0630\u0644\u0643 \u064a\u062c\u0628 \u0623\u0646 \u0644\u0627 \u062a\u0632\u064a\u062f \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 \u0628\u0627\u0644\u0625\u0642\u0631\u0627\u0631 \u0627\u0644\u0634\u0647\u0631\u064a \u0639\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 .<\/p>\n

\u0633\u0639\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 0.6 % \u0633\u062a\u0629 \u0641\u064a \u0627\u0644\u0623\u0644\u0641<\/p>\n

\u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0623\u0633\u0627\u0633\u064a = 1000000 \u00d7 0.6 % = 6000 \u062c\u0646\u064a\u0647<\/p>\n

\u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u0624\u0642\u062a= 75% \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0623\u0633\u0627\u0633\u064a = 6000 \u00d7 75% = 4500 \u062c\u0646\u064a\u0647<\/p>\n

\u0648\u0644\u0630\u0644\u0643 \u064a\u062c\u0628 \u062a\u062d\u0635\u064a\u0644 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u0624\u0642\u062a ( 4500 \u062c\u0646\u064a\u0647) \u0645\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u064a \u0644\u062d\u0638\u0629 \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0648\u0644\u062a\u0643\u0646 1 \/ 1 \/ 2017<\/p>\n

\u064a\u0642\u062f\u0645 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0634\u0647\u0631\u064a\u0629 \u0625\u0644\u0649 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0639\u062f \u0646\u0647\u0627\u064a\u0629 \u0643\u0644 \u0634\u0647\u0631 \u060c\u060c \u064a\u0628\u064a\u0646 \u0641\u064a\u0647\u0627 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 \u0648\u0647\u064a \u0623\u0642\u0635\u0649 \u0642\u064a\u0645\u0629 \u0644\u0645\u062e\u0632\u0648\u0646 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u062e\u0644\u0627\u0644 \u064a\u0648\u0645 \u0645\u0639\u064a\u0646 \u0645\u0646 \u0627\u0644\u0634\u0647\u0631 \u0627\u0644\u0645\u0642\u062f\u0645 \u0639\u0646\u0647 \u0627\u0644\u0625\u0642\u0631\u0627\u0631 .<\/p>\n

\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a= 7200000 \u00f7 12 \u0634\u0647\u0631 = 600000 \u062c\u0646\u064a\u0647<\/p>\n

\u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0641\u0639\u0644\u064a = \u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u00d7 \u0645\u0639\u062f\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 = 600000 \u00d7 0.6% = 3600 \u062c\u0646\u064a\u0647<\/p>\n

\u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u0631\u062a\u062f \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 = \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u0624\u0642\u062a \u0640 \u0627\u0644\u0642\u0633\u0637 = 4500 \u0640 3600 = 900 \u062c\u0646\u064a\u0647<\/p>\n

\u0648\u0642\u062f \u062a\u062c\u0627\u0647\u0644\u0646\u0627 \u0627\u0644\u062f\u0645\u063a\u0627\u062a \u0648\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u0635\u062f\u0627\u0631 \u0641\u064a \u0627\u0644\u0645\u062b\u0627\u0644 \u0627\u0644\u0633\u0627\u0628\u0642 \u0644\u0644\u062a\u0628\u0633\u064a\u0637 \u060c\u060c \u0648\u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0641\u0639\u0644\u064a \u0623\u0643\u0628\u0631 \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u0624\u0642\u062a \u0641\u0625\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0642\u0648\u0645 \u0628\u062a\u062d\u0635\u064a\u0644 \u0642\u0633\u0637 \u0625\u0636\u0627\u0641\u064a \u0628\u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0641\u0639\u0644\u064a \u0648\u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u0624\u0642\u062a .<\/p>\n

\u0625\u0646 \u0627\u0644\u063a\u0631\u0636 \u0645\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0647\u0648 \u0623\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0623\u0639\u0644\u0649 \u063a\u0637\u0627\u0621 (\u0645\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647) \u062f\u0648\u0646 \u0623\u0646 \u064a\u0628\u0631\u0645 \u062a\u0623\u0645\u064a\u0646 \u0632\u0627\u0626\u062f \u0639\u0646 \u0627\u0644\u0643\u0641\u0627\u064a\u0629 over-insurance \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u064a\u062f\u0641\u0639 \u0642\u0633\u0637 \u0632\u0627\u0626\u062f \u060c\u060c \u0648 \u062f\u0648\u0646 \u0623\u0646 \u064a\u0628\u0631\u0645 \u062a\u0623\u0645\u064a\u0646 \u0646\u0627\u0642\u0635 \u0639\u0646 \u0627\u0644\u0643\u0641\u0627\u064a\u0629 ) under-insurance\u0628\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0646\u0635\u0641 \u0645\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647 \u0645\u062b\u0644\u0627\u064b ) \u0644\u064a\u0648\u0641\u0631 \u0641\u064a \u0627\u0644\u0642\u0633\u0637 \u0641\u064a\u0639\u0631\u0636 \u0646\u0641\u0633\u0647 \u0644\u0627\u062d\u062a\u0645\u0627\u0644 \u062a\u0637\u0628\u064a\u0642 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0625\u0630\u0627 \u0645\u0627 \u062a\u062d\u0642\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629<\/p>\n

\u0634\u0631\u0648\u0637 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a :<\/span><\/p>\n

1\u0640 \u0625\u0646 \u0623\u0642\u0635\u0649 \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a \u0627\u0644\u0645\u062d\u062f\u062f \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 (\u0645\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647 \u0641\u064a \u0645\u062b\u0627\u0644\u0646\u0627 \u0627\u0644\u0633\u0627\u0628\u0642) \u060c \u0648\u0644\u0648 \u0627\u0641\u062a\u0631\u0636\u0646\u0627 \u0641\u064a \u0645\u062b\u0627\u0644\u0646\u0627 \u0627\u0644\u0633\u0627\u0628\u0642 \u0623\u0646 \u0625\u0642\u0631\u0627\u0631 \u0634\u0647\u0631 \u0623\u0643\u062a\u0648\u0628\u0631 \u0643\u0627\u0646 \u0628\u0645\u0628\u0644\u063a \u0645\u0644\u064a\u0648\u0646 \u0648\u062e\u0645\u0633\u0645\u0627\u0626\u0629 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0641\u0625\u0646\u0647 \u064a\u062c\u0628 \u062a\u062e\u0641\u064a\u0636 \u0647\u0630\u0627 \u0627\u0644\u0625\u0642\u0631\u0627\u0631 \u0625\u0644\u0649 \u0645\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647 \u0639\u0646\u062f \u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0644\u0644\u0642\u0633\u0637 Adjustment of Premium \u0643\u0645\u0627 \u064a\u062c\u0628 \u0625\u0628\u0644\u0627\u063a \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0628\u0630\u0644\u0643 \u062d\u062a\u0649 \u064a\u062d\u0627\u0648\u0644 \u0632\u064a\u0627\u062f\u0629 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0648\u0628\u0646\u0627\u0621 \u0639\u0644\u064a\u0647 \u064a\u062f\u0641\u0639 \u0642\u0633\u0637 \u0625\u0636\u0627\u0641\u064a \u0645\u0642\u062f\u0645\u0627\u064b<\/p>\n

2\u0640 \u064a\u062c\u0628 \u0623\u0646 \u0644\u0627 \u064a\u0642\u0644 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0646 \u062d\u062f \u0645\u0639\u064a\u0646 ( \u0645\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647 \u0645\u062b\u0644\u0627\u064b ) .<\/p>\n

3\u0640 \u064a\u062c\u0628 \u0623\u0646 \u0644\u0627 \u062a\u0642\u0644 \u0645\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0646 \u062d\u062f \u0645\u0639\u064a\u0646 ( \u0633\u062a\u0629 \u0634\u0647\u0648\u0631 \u0645\u062b\u0644\u0627\u064b ) \u0648\u0644\u0627 \u062a\u0632\u064a\u062f \u0639\u0646 \u0633\u0646\u0629 \u0644\u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u0644\u0644\u0642\u0633\u0637 \u0633\u0646\u0648\u064a\u0627\u064b .<\/p>\n

4\u0640 \u064a\u062c\u0648\u0632 \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0644\u0644\u0645\u062e\u0632\u0648\u0646 \u0641\u0642\u0637 .<\/p>\n

5\u0640 \u0642\u062f \u062a\u062d\u062a\u0641\u0638 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0646\u0633\u0628\u0629 \u0645\u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u0624\u0642\u062a \u0627\u0644\u0645\u062d\u0635\u0644 \u0645\u0642\u062f\u0645\u0627\u064b \u062f\u0648\u0646 \u0623\u0646 \u062a\u0631\u062f\u0647 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 ( 60% \u0645\u062b\u0644\u0627\u064b \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u0624\u0642\u062a ) \u0641\u0644\u0648 \u0643\u0627\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0648\u0627\u062c\u0628 \u0631\u062f\u0647 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 80% \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u0624\u0642\u062a \u0641\u0625\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0633\u062a\u0631\u062f \u0644\u0647 40% \u0641\u0642\u0637 \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u0624\u0642\u062a<\/p>\n

6- \u0625\u0646 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0639\u0645\u0644\u064a \u0644\u0644\u0648\u062b\u064a\u0642\u0629 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0642\u062f \u064a\u062e\u062a\u0644\u0641 \u0645\u0646 \u0628\u0644\u062f \u0625\u0644\u0649 \u0622\u062e\u0631 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0641\u0625\u0646 \u0627\u0644\u0625\u0642\u0631\u0627\u0631 \u0627\u0644\u0634\u0647\u0631\u064a \u0642\u062f \u062a\u0643\u0648\u0646 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u064a\u0648\u0645 \u0645\u0639\u064a\u0646 \u0648\u0645\u062d\u062f\u062f \u0645\u0646 \u0627\u0644\u0634\u0647\u0631 \u060c\u060c \u0623\u0648 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0645\u062a\u0648\u0633\u0637 \u062b\u0644\u0627\u062b\u0629 \u0623\u064a\u0627\u0645 \u0645\u062d\u062f\u062f\u0629 \u0645\u0646 \u0627\u0644\u0634\u0647\u0631 \u060c\u060c \u0623\u0648 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062b\u0644\u0627\u062b\u064a\u0646 \u064a\u0648\u0645\u0627\u064b (\u0645\u062c\u0645\u0648\u0639 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0627\u0644\u064a\u0648\u0645\u064a \u062e\u0644\u0627\u0644 \u062b\u0644\u0627\u062b\u064a\u0646 \u064a\u0648\u0645\u0627\u064b \u00f7 30 )<\/p>\n

7 \u2013 \u062a\u062e\u0636\u0639 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0644\u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0641\u0625\u0630\u0627 \u0643\u0627\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0642\u064a\u0645 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0623\u0643\u0628\u0631 \u0645\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u0639\u062a\u0628\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0645\u0624\u0645\u0646\u0627\u064b \u0644\u0646\u0641\u0633\u0647 \u0628\u0627\u0644\u0641\u0631\u0642 \u0648\u064a\u062a\u062d\u0645\u0644 \u062d\u0635\u0629 \u0646\u0633\u0628\u064a\u0629 \u0645\u0646 \u0627\u0644\u062e\u0633\u0627\u0631\u0629<\/p>\n

8 \u2013 \u064a\u062c\u0628 \u0639\u062f\u0645 \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0625\u0644\u0627 \u0644\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u0645\u0648\u062b\u0648\u0642 \u0641\u064a\u0647 \u060c\u060c \u062a\u062c\u0646\u0628\u0627\u064b \u0644\u0644\u063a\u0634 \u0645\u0646 \u062c\u0627\u0646\u0628 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u0642\u062f \u064a\u0642\u0644\u0644 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0639\u0644\u0646 \u0641\u064a \u0627\u0644\u0625\u0642\u0631\u0627\u0631 \u0627\u0644\u0634\u0647\u0631\u064a \u0628\u063a\u064a\u0629 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0627\u0644\u0642\u0633\u0637 \u060c\u060c \u0648\u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 \u0641\u064a \u0643\u0644 \u0634\u0647\u0631 \u0623\u0642\u0644 \u0645\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0641\u064a\u062c\u0628 \u062a\u062e\u0641\u064a\u0636 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/p>\n

* \u0646\u0638\u0631\u0627\u064b \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u062c\u0647\u062f \u0648\u0648\u0642\u062a \u0644\u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0645\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u060c\u060c \u0645\u0639 \u0635\u0639\u0648\u0628\u0629 \u062d\u0635\u0648\u0644 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u0649 \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u0634\u0647\u0631\u064a\u0629 \u0645\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u060c\u060c \u0641\u0647\u0646\u0627\u0643 \u0627\u062a\u062c\u0627\u0647\u0627\u062a \u062d\u062f\u064a\u062b\u0629 \u0646\u062d\u0648 \u0627\u0644\u0627\u0633\u062a\u063a\u0646\u0627\u0621 \u0639\u0646\u0647\u0627 \u0648\u0625\u0628\u0631\u0627\u0645 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0644\u0645\u062e\u0632\u0648\u0646 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0623\u0642\u0635\u0649 \u0642\u064a\u0645\u0629 \u0644\u0644\u0645\u062e\u0632\u0648\u0646 \u0645\u0639 \u0645\u0646\u062d \u062e\u0635\u0645 maximum value with discount \u062d\u064a\u062b \u064a\u062a\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0623\u0642\u0635\u0649 \u0645\u0628\u0644\u063a \u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 ((\u0623\u0643\u0628\u0631 \u0643\u0645\u064a\u0629 \u0645\u062e\u0632\u0648\u0646 \u064a\u062a\u0648\u0642\u0639 \u0648\u062c\u0648\u062f\u0647\u0627 \u0641\u064a \u064a\u0648\u0645 \u0645\u0639\u064a\u0646 \u0645\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629)) \u0641\u0644\u0627 \u0646\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0639\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0648\u0644\u0627 \u0646\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0642\u0633\u0637 \u060c\u060c \u0648\u0644\u0643\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0641\u0631\u0636 80% \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0648\u062a\u0645\u0646\u062d \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 20% \u062e\u0635\u0645 \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0644\u064a\u0639\u0643\u0633 \u0627\u0644\u062a\u063a\u064a\u0631\u0627\u062a \u0641\u064a \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0645\u0645\u0627 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629<\/p>\n

8\/2 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0644\u062a\u0633\u0648\u064a\u0629<\/span><\/p>\n

Adjustable Policy<\/p>\n

\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0644\u062a\u0633\u0648\u064a\u0629 \u0647\u064a \u0648\u062b\u064a\u0642\u0629 \u064a\u062a\u0645 \u0625\u0635\u062f\u0627\u0631\u0647\u0627 \u0644\u0645\u062f\u0629 \u0645\u062d\u062f\u062f\u0629 \u0648\u0628\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0645\u062d\u062f\u062f \u0639\u0644\u0649 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0627\u0644\u0645\u0648\u062c\u0648\u062f \u0641\u0639\u0644\u0627\u064b \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u0625\u0635\u062f\u0627\u0631 \u060c\u060c \u0648\u064a\u062a\u0645 \u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u0633\u0637 \u0648\u062f\u0641\u0639\u0647 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0641\u064a \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0628\u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 \u0645\u062b\u0644 \u0623\u064a \u0648\u062b\u064a\u0642\u0629 \u0639\u0627\u062f\u064a\u0629 ordinary policy \u0648\u0644\u0643\u0646 \u064a\u062f\u0631\u062c \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0634\u0631\u0637 \u064a\u0646\u0635 \u0639\u0644\u0649 \u0625\u0646\u0647 \u0639\u0646\u062f\u0645\u0627 \u064a\u0648\u062c\u062f \u0623\u064a \u062a\u063a\u064a\u064a\u0631 \u0641\u064a \u0627\u0644\u0645\u062e\u0632\u0648\u0646 (\u0632\u064a\u0627\u062f\u0629 \u0623\u0648 \u0646\u0642\u0635) \u0623\u062b\u0646\u0627\u0621 \u0645\u062f\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u064a\u062d\u0642 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0625\u062e\u0637\u0627\u0631 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0647\u0630\u0627 \u0627\u0644\u062a\u063a\u064a\u064a\u0631 \u0625\u0630\u0627 \u0623\u0631\u0627\u062f \u0623\u0646 \u064a\u0641\u0639\u0644 \u0630\u0644\u0643 \u062d\u062a\u0649 \u064a\u062a\u0645 \u062a\u0639\u062f\u064a\u0644 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0645\u0644\u062d\u0642 \u0639\u0644\u0649 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0648\u062a\u0639\u062f\u064a\u0644 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u0633\u0631\u064a \u0627\u0628\u062a\u062f\u0627\u0621 \u0645\u0646 \u0648\u0642\u062a \u0625\u062e\u0637\u0627\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0628\u0627\u0644\u062a\u0639\u062f\u064a\u0644 ((\u0648\u0644\u064a\u0633 \u0628\u0623\u062b\u0631 \u0631\u062c\u0639\u064a \u0645\u0646 \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646)) \u0648\u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0630\u064a \u062a\u0645 \u062a\u062d\u0635\u064a\u0644\u0647 \u0641\u064a \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u064a\u062a\u0645 \u062a\u0633\u0648\u064a\u062a\u0647 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0646\u0633\u0628\u064a \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0645\u062f\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0639\u0646\u062f \u0643\u0644 \u062a\u062c\u062f\u064a\u062f \u0633\u0646\u0648\u064a \u0628\u0623\u0646 \u064a\u062d\u0635\u0644 \u0627\u0644\u0645\u0624\u0645\u0646 \u0642\u0633\u0637 \u0625\u0636\u0627\u0641\u064a \u0623\u0648 \u064a\u0631\u062f \u062c\u0632\u0621 \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0630\u064a \u062d\u0635\u0644\u0647 \u0641\u064a \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0637\u0628\u0642\u0627\u064b \u0644\u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0647\u0630\u0627 \u0627\u0644\u062a\u0639\u062f\u064a\u0644 \u0647\u0648 \u0632\u064a\u0627\u062f\u0629 \u0623\u0648 \u0646\u0642\u0635 \u060c\u060c \u0648\u0641\u064a \u062d\u0627\u0644\u0629 \u062d\u062f\u0648\u062b \u062d\u0631\u064a\u0642 \u0641\u0625\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0639\u062f\u0644 \u064a\u0645\u062b\u0644 \u0623\u0642\u0635\u0649 \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0644\u0644\u0645\u0624\u0645\u0646<\/p>\n

\u062e\u0644\u0627\u0635\u0629 \u0627\u0644\u0642\u0648\u0644 \u0623\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u0633\u062a\u0637\u064a\u0639 \u0623\u0646 \u064a\u0642\u0644\u0644 \u0623\u0648 \u064a\u0632\u0648\u062f \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0637\u0628\u0642\u0627\u064b \u0644\u0645\u0627 \u064a\u0631\u0627\u0647 \u0645\u0646\u0627\u0633\u0628\u0627\u064b \u0648\u0627\u0644\u0642\u0633\u0637 \u064a\u062a\u0645 \u062a\u0633\u0648\u064a\u062a\u0647 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0645\u062f\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0627\u0644\u0632\u064a\u0627\u062f\u0629 \u0623\u0648 \u0627\u0644\u0646\u0642\u0635 \u060c\u060c \u0648\u0647\u0630\u0627 \u0627\u0644\u0646\u0648\u0639 \u0645\u0646 \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0646\u0627\u062f\u0631 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0622\u0646 \u0644\u0623\u0646\u0647 \u064a\u062a\u0637\u0644\u0628 \u0645\u062c\u0647\u0648\u062f\u0627\u062a \u0625\u062f\u0627\u0631\u064a\u0629<\/p>\n

* \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0644\u062a\u0633\u0648\u064a\u0629 \u062a\u0634\u0628\u0647 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0648\u0644\u0643\u0646 \u062a\u062e\u062a\u0644\u0641 \u0639\u0646\u0647\u0627 \u0641\u064a \u0627\u0644\u0646\u0642\u0627\u0637 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/p>\n

1- \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0641\u0625\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 \u0641\u064a \u0648\u0642\u062a \u0625\u0628\u0631\u0627\u0645 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0638\u0644 \u062b\u0627\u0628\u062a\u0629 \u0648\u062a\u0645\u062b\u0644 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0628\u064a\u0646\u0645\u0627 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0644\u062a\u0633\u0648\u064a\u0629 \u0641\u0625\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 \u0641\u064a \u0622\u062e\u0631 \u0645\u0631\u0629 (\u0641\u064a \u0622\u062e\u0631 \u062a\u0639\u062f\u064a\u0644) \u062a\u0643\u0648\u0646 \u0645\u0642\u0628\u0648\u0644\u0629 \u0648\u062a\u0645\u062b\u0644 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/p>\n

1- \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0641\u0625\u0646 \u0623\u0642\u0635\u0649 \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0644\u0644\u0645\u0624\u0645\u0646 \u0647\u064a \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 \u0641\u064a \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 (\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646) \u060c\u060c \u0628\u064a\u0646\u0645\u0627 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0644\u062a\u0633\u0648\u064a\u0629 \u0641\u0625\u0646 \u0623\u0642\u0635\u0649 \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0644\u0644\u0645\u0624\u0645\u0646 \u0647\u064a \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 \u0641\u064a \u0622\u062e\u0631 \u0645\u0631\u0629 (\u0641\u064a \u0622\u062e\u0631 \u062a\u0639\u062f\u064a\u0644)<\/p>\n

3- \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u064a\u062c\u0628 \u0625\u0639\u0644\u0627\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0641\u064a \u0641\u062a\u0631\u0627\u062a \u062f\u0648\u0631\u064a\u0629 \u062b\u0627\u0628\u062a\u0629 (\u0634\u0647\u0631\u064a\u0629 \u0645\u062b\u0644\u0627\u064b) \u0628\u064a\u0646\u0645\u0627 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0644\u062a\u0633\u0648\u064a\u0629 \u0641\u0625\u0646 \u0625\u0639\u0644\u0627\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u064a\u062a\u0648\u0642\u0641 \u0639\u0644\u0649 \u0631\u063a\u0628\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0648\u0639\u0644\u0649 \u0631\u0627\u062d\u062a\u0647<\/p>\n

* \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0644\u062a\u0633\u0648\u064a\u0629 \u0647\u064a \u0639\u0643\u0633 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 \u0630\u0627\u062a \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062b\u0627\u0628\u062a fixed sum policy \/ fixed sum insurance \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 \u0630\u0627\u062a \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062b\u0627\u0628\u062a \u0647\u064a \u0648\u062b\u064a\u0642\u0629 \u062a\u0635\u062f\u0631 \u0628\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u062b\u0627\u0628\u062a \u0637\u0648\u0627\u0644 \u0645\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u0645\u062b\u0644 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u060c \u0648\u0644\u0627 \u064a\u062a\u0645 \u0625\u062c\u0631\u0627\u0621 \u0623\u064a \u062a\u0639\u062f\u064a\u0644 \u0639\u0644\u0649 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0625\u0644\u0627 \u0628\u0645\u0644\u062d\u0642 \u062a\u0639\u062f\u064a\u0644 \u0645\u0643\u0645\u0644 \u0644\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0635\u0644\u064a\u0629 \u0645\u0639 \u0633\u062f\u0627\u062f \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 \u0639\u0646 \u0647\u0630\u0627 \u0627\u0644\u062a\u0639\u062f\u064a\u0644 \u060c \u0648\u064a\u0645\u062b\u0644 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 ( \u0628\u0639\u062f \u062a\u0639\u062f\u064a\u0644\u0647 \u0628\u0627\u0644\u0645\u0644\u062d\u0642 \u0625\u0646 \u0648\u062c\u062f ) \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u064a\u0638\u0644 \u062b\u0627\u0628\u062a\u0627\u064b \u062d\u062a\u0649 \u0627\u0646\u062a\u0647\u0627\u0621 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0648\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 \u0647\u064a \u0639\u0643\u0633 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062e\u0627\u0636\u0639\u0629 \u0644\u0644\u062a\u0633\u0648\u064a\u0629 \u0645\u0646 \u062d\u064a\u062b \u062b\u0628\u0627\u062a \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u062b\u0628\u0627\u062a \u0627\u0644\u0642\u0633\u0637 \u0648\u0639\u062f\u0645 \u062a\u0633\u0648\u064a\u062a\u0647 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0645\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629<\/p>\n

8\/3 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0639\u0627\u0626\u0645\u0629<\/span><\/p>\n

Floating fire insurance Policy \/ Floater<\/p>\n

\u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0639\u0627\u0626\u0645\u0629 \u0647\u064a \u0648\u062b\u064a\u0642\u0629 \u0628\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u064a\u063a\u0637\u064a \u0627\u0644\u0645\u062e\u0632\u0648\u0646 (\u0627\u0644\u0628\u0636\u0627\u0626\u0639) \u0641\u064a \u0645\u0648\u0627\u0642\u0639 (\u0645\u062e\u0627\u0632\u0646) \u0645\u062e\u062a\u0644\u0641\u0629 \u062f\u0648\u0646 \u062a\u0642\u0633\u064a\u0645 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u064a\u0646\u0647\u0645<\/p>\n

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\u0648\u0644\u0643\u064a \u062a\u0642\u0644\u0644 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u0645\u0633\u0626\u0648\u0644\u064a\u062a\u0647\u0627 \u0641\u0642\u062f \u062a\u0635\u062f\u0631 \u0648\u062b\u064a\u0642\u0629 \u0639\u0627\u0626\u0645\u0629 \u0628\u0645\u0628\u0644\u063a \u062b\u0644\u0627\u062b\u064a\u0646 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0644\u0644\u0645\u062e\u0627\u0632\u0646 \u0627\u0644\u062b\u0644\u0627\u062b\u0629 \u0648\u062a\u0634\u062a\u0631\u0637 \u0623\u0644\u0627 \u062a\u0632\u064a\u062f \u0642\u064a\u0645\u0629 \u0627\u0644\u0628\u0636\u0627\u0639\u0629 \u0641\u064a \u0623\u064a \u0645\u062e\u0632\u0646 \u0639\u0646 \u0639\u0634\u0631\u064a\u0646 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u064a\u062c\u0628 \u062a\u062d\u062f\u064a\u062f \u0639\u0646\u0648\u0627\u0646 \u0623\u0648 \u0645\u0648\u0642\u0639 \u0643\u0644 \u0645\u062e\u0632\u0646 \u0633\u0648\u0627\u0621 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0623\u0648 \u0628\u0643\u0634\u0641 \u0645\u0633\u062a\u0642\u0644<\/p>\n

8\/4 \u063a\u0637\u0627\u0621 \u0627\u0644\u064a\u0640\u0640\u0648\u0645 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629<\/span><\/p>\n

Day one cover<\/span><\/p>\n

\u0648\u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644<\/span><\/p>\n

day one average<\/span><\/p>\n

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\u0645\u062b\u0627\u0644<\/p>\n

\u0648\u062b\u064a\u0642\u0629 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u062a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644 \u0648\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629) \u0647\u0648 \u0645\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0642\u062f \u0646\u0634\u0628 \u062d\u0631\u064a\u0642 \u0628\u0627\u0644\u0645\u0628\u0646\u0649 \u0628\u0639\u062f \u0633\u062a\u0629 \u0634\u0647\u0648\u0631 \u0645\u0646 \u0628\u062f\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0628\u0644\u063a\u062a \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u062a\u0635\u0644\u064a\u062d\u0627\u062a \u0645\u0627\u0626\u062a\u0627\u0646 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0642\u062f \u062d\u062f\u062f \u0627\u0644\u062e\u0628\u064a\u0631 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0628\u0645\u0628\u0644\u063a \u0645\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0628\u0645\u0628\u0644\u063a \u0645\u0644\u064a\u0648\u0646 \u0648\u0645\u0627\u0626\u0629 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u062f\u0641\u0648\u0639<\/p>\n

\u0627\u0644\u062d\u0644<\/p>\n

\u064a\u062a\u0645 \u062f\u0641\u0639 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0648\u0644\u0627 \u062a\u0637\u0628\u0642 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u060c\u060c \u0644\u0623\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0643\u0627\u0646 \u064a\u0633\u0627\u0648\u064a \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u060c\u060c \u0648\u0644\u0623\u063a\u0631\u0627\u0636 \u062a\u0637\u0628\u064a\u0642 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0644\u0627 \u064a\u0624\u062e\u0630 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0627\u0631\u062a\u0641\u0627\u0639 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0644\u0623\u0633\u0628\u0627\u0628 \u0627\u0644\u062a\u0636\u062e\u0645<\/p>\n

\u0645\u062b\u0627\u0644<\/p>\n

\u0648\u062b\u064a\u0642\u0629 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u062a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644 \u0648\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629) \u0647\u0648 900 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0642\u062f \u0646\u0634\u0628 \u062d\u0631\u064a\u0642 \u0628\u0627\u0644\u0645\u0628\u0646\u0649 \u0628\u0639\u062f \u0633\u062a\u0629 \u0634\u0647\u0648\u0631 \u0645\u0646 \u0628\u062f\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0628\u0644\u063a\u062a \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u062a\u0635\u0644\u064a\u062d\u0627\u062a \u0645\u0627\u0626\u062a\u0627\u0646 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0642\u062f \u062d\u062f\u062f \u0627\u0644\u062e\u0628\u064a\u0631 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0628\u0645\u0628\u0644\u063a \u0645\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0623\u0646 \u0645\u0639\u062f\u0644 \u0627\u0644\u062a\u0636\u062e\u0645 \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0641\u0639\u0644\u064a \u0643\u0627\u0646 10% \u060c\u060c \u0648\u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u062f\u0641\u0648\u0639<\/p>\n

\u0627\u0644\u062d\u0644<\/p>\n

\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629) \u0647\u0648 900 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0648\u0647\u0648 \u0623\u0642\u0644 \u0645\u0646 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 (\u0645\u0644\u064a\u0648\u0646 \u062c\u0646\u064a\u0647)<\/p>\n

* \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0637\u0628\u0642\u0627\u064b \u0644\u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644 = \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062c\u0632\u0626\u064a\u0629 \u00d7 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u00f7 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644<\/p>\n

\u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0637\u0628\u0642\u0627\u064b \u0644\u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644 = 200000 \u00d7 900000\/1000000 = 180000 \u062c\u0646\u064a\u0647<\/p>\n

\u0644\u0630\u0627 \u0641\u0625\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u0643\u0648\u0646 \u0623\u062d\u0633\u0646 \u062d\u0627\u0644\u0627\u064b \u0644\u0648 \u0643\u0627\u0646\u062a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0627\u0644\u062e\u0627\u0635 85% \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644 \u060c\u060c \u0648\u0644\u0643\u0646 \u0641\u0642\u0637 \u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0643\u0644\u064a\u0629 (\u0647\u0644\u0627\u0643 \u0627\u0644\u0645\u0628\u0646\u0649 \u0628\u0627\u0644\u0643\u0627\u0645\u0644) \u064a\u0643\u0648\u0646 \u0623\u062d\u0633\u0646 \u062d\u0627\u0644\u0627\u064b \u0628\u062a\u0637\u0628\u064a\u0642 \u0646\u0635 \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644 \u062d\u064a\u062b \u0633\u064a\u062d\u0635\u0644 \u0639\u0644\u0649 \u062a\u0639\u0648\u064a\u0636 \u064a\u0633\u0627\u0648\u064a \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0636\u0627\u0641\u0627\u064b \u0625\u0644\u064a\u0647 \u0639\u0644\u0627\u0648\u0629 \u0627\u0644\u062a\u0636\u062e\u0645 \u0645\u062d\u062a\u0633\u0628\u0627\u064b \u0643\u0645\u0627 \u064a\u0644\u064a:<\/p>\n

\u0639\u0644\u0627\u0648\u0629 \u0627\u0644\u062a\u0636\u062e\u0645 = 900000 \u00d7 10% \u00d7 6\/12 \u0634\u0647\u0631 = 45000 \u062c\u0646\u064a\u0647<\/p>\n

\u0627\u0644\u062a\u0639\u0648\u064a\u0636 = \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 + \u0639\u0644\u0627\u0648\u0629 \u0627\u0644\u062a\u0636\u062e\u0645 = 900000 + 45000 = 945000 \u062c\u0646\u064a\u0647<\/p>\n

* \u0627\u0633\u062a\u0645\u0631\u0627\u0631\u0627\u064b \u0644\u0645\u062b\u0627\u0644\u0646\u0627 \u0627\u0644\u0633\u0627\u0628\u0642 \u062f\u0639\u0646\u0627 \u0646\u0641\u062a\u0631\u0636 \u0627\u0641\u062a\u0631\u0627\u0636 \u062c\u062f\u064a\u062f \u0647\u0648 \u0623\u0646 \u0645\u0639\u062f\u0644 \u0627\u0644\u062a\u0636\u062e\u0645 \u0644\u0644\u0645\u0628\u0627\u0646\u064a \u0643\u0627\u0646 30% \u060c\u060c \u0641\u064a \u0645\u062b\u0644 \u0647\u0630\u0627 \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636 \u0641\u0625\u0646 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062c\u0632\u0626\u064a\u0629 \u064a\u0638\u0644 \u0643\u0645\u0627 \u0647\u0648 \u062f\u0648\u0646 \u062a\u063a\u064a\u064a\u0631 \u060c\u060c \u0648\u0644\u0643\u0646 \u0641\u0642\u0637 \u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0643\u0644\u064a\u0629 \u064a\u0643\u0648\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u062d\u0633\u0646 \u062d\u0627\u0644\u0627\u064b \u0628\u062a\u0637\u0628\u064a\u0642 \u0646\u0635 \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0623\u0648\u0644 \u062d\u064a\u062b \u0633\u064a\u062d\u0635\u0644 \u0639\u0644\u0649 \u062a\u0639\u0648\u064a\u0636 \u064a\u0633\u0627\u0648\u064a \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0636\u0627\u0641\u0627\u064b \u0625\u0644\u064a\u0647 \u0639\u0644\u0627\u0648\u0629 \u0627\u0644\u062a\u0636\u062e\u0645 \u0645\u062d\u062a\u0633\u0628\u0627\u064b \u0643\u0645\u0627 \u064a\u0644\u064a:<\/p>\n

\u0639\u0644\u0627\u0648\u0629 \u0627\u0644\u062a\u0636\u062e\u0645 = 900000 \u00d7 30% \u00d7 6\/12 \u0634\u0647\u0631 = 135000 \u062c\u0646\u064a\u0647<\/p>\n

\u0627\u0644\u062a\u0639\u0648\u064a\u0636 = \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 + \u0639\u0644\u0627\u0648\u0629 \u0627\u0644\u062a\u0636\u062e\u0645 = 900000 + 135000 = 1035000 \u062c\u0646\u064a\u0647<\/p>\n

8\/ 5 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0623\u0648 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a<\/span><\/p>\n

Blanket Policy \/ Blanket insurance<\/p>\n

\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0647\u064a \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u062d\u062f\u0629 \u062a\u063a\u0637\u064a \u0639\u062f\u062f \u0645\u0646 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0641\u064a \u0646\u0641\u0633 \u0627\u0644\u0645\u0648\u0642\u0639 \u060c\u060c \u0623\u0648 \u062a\u063a\u0637\u064a \u0646\u0648\u0639 \u0645\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u060c\u060c \u0623\u0648 \u062a\u063a\u0637\u064a \u0639\u062f\u062f \u0645\u0646 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0645\u062a\u0644\u0643 \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0645\u062d\u0644\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0641\u0625\u0646 \u0648\u062b\u064a\u0642\u0629 \u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u062d\u062f\u0629 \u062a\u063a\u0637\u064a \u0647\u0630\u0647 \u0627\u0644\u0645\u062d\u0644\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629<\/p>\n

* \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0642\u062f \u064a\u0643\u0648\u0646 \u0644\u0647\u0627 \u062d\u062f \u0625\u062c\u0645\u0627\u0644\u064a \u0648\u0627\u062d\u062f \u0623\u0648 \u062d\u062f\u0648\u062f \u0625\u062c\u0645\u0627\u0644\u064a\u0629 blanket limits \u0623\u0648 \u062d\u062f\u0648\u062f \u0645\u062a\u062e\u0635\u0635\u0629 specific limits<\/p>\n

* \u0627\u0644\u062d\u062f \u0627\u0644\u0645\u062a\u062e\u0635\u0635 \u0623\u0648 \u0627\u0644\u0645\u062c\u062f\u0648\u0644 scheduled limit \u0647\u0648 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u064a\u0637\u0628\u0642 \u0639\u0644\u0649 \u0646\u0648\u0639 \u0648\u0627\u062d\u062f \u0645\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0641\u064a \u0643\u0644 \u0645\u0648\u0642\u0639 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0645\u062a\u0644\u0643 \u0627\u0644\u0645\u062d\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a (\u0623) \u0648\u0627\u0644\u0645\u062d\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a (\u0628) \u0641\u064a \u0645\u0648\u0642\u0639\u064a\u0646 \u0645\u062e\u062a\u0644\u0641\u064a\u0646 \u060c\u060c \u0648\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) 10 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0648\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0628\u062f\u0627\u062e\u0644\u0647 8 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0628) 5 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0648\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0628\u062f\u0627\u062e\u0644\u0647 4 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0641\u0625\u0646\u0643 \u062a\u0633\u062a\u0637\u064a\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0643\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0628\u0648\u062b\u064a\u0642\u0629 \u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u062d\u062f\u0629 \u0630\u0627\u062a \u062d\u062f\u0648\u062f \u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a\u0643\u0648\u0646 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) 10 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0648\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0628) 5 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0648\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0628\u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) 8 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0648\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0628\u0627\u0644\u0645\u0628\u0646\u0649 (\u0628) 4 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u062f\u0648\u0644 \u064a\u0637\u0644\u0642 \u0639\u0644\u0649 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0635\u0637\u0644\u062d \u062d\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 limit of insurance \/ limit \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u062d\u062f\u0648\u062f \u0645\u062a\u062e\u0635\u0635\u0629 \u062a\u0639\u0646\u064a \u0645\u0628\u0627\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0645\u0646\u0641\u0635\u0644\u0629 \u0648\u0645\u0633\u062a\u0642\u0644\u0629 \u0644\u0643\u0644 \u0646\u0648\u0639 \u0648\u0627\u062d\u062f \u0645\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0641\u064a \u0643\u0644 \u0645\u0648\u0642\u0639<\/p>\n

\u0641\u0644\u0648 \u062a\u0644\u0641\u062a \u0623\u0648 \u0647\u0644\u0643\u062a \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0628\u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0646\u062a\u064a\u062c\u0629 \u062d\u0627\u062f\u062b \u0641\u0625\u0646 \u0623\u0642\u0635\u0649 \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u064a 8 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0630\u0627\u062a \u0627\u0644\u062d\u062f\u0648\u062f \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u0629 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0627\u062e\u062a\u0635\u0627\u0631\u0627\u064b \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0630\u0627\u062a \u0627\u0644\u062d\u062f\u0648\u062f \u0627\u0644\u0645\u062c\u062f\u0648\u0644\u0629 scheduled limits policy \u0623\u0648 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0630\u0627\u062a \u0627\u0644\u062d\u062f\u0648\u062f \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u0629 \u0623\u0648 \u0627\u0644\u0645\u062c\u062f\u0648\u0644\u0629 schedule insurance \u0648\u0647\u0630\u0627 \u0627\u0644\u0646\u0648\u0639 \u0645\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0627\u0644\u0646\u0648\u0639 \u0627\u0644\u0639\u0627\u062f\u064a (\u0627\u0644\u0645\u062a\u0639\u0627\u0631\u0641 \u0639\u0644\u064a\u0647 \u0641\u064a \u0623\u063a\u0644\u0628\u064a\u0629 \u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646) \u060c\u060c \u0648\u062d\u062a\u0649 \u062f\u0627\u062e\u0644 \u0627\u0644\u0628\u0646\u062f \u0627\u0644\u0648\u0627\u062d\u062f (\u0643\u0627\u0644\u0645\u0628\u0627\u0646\u064a) \u064a\u062c\u0628 \u062a\u062d\u062f\u064a\u062f \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0645\u0633\u062a\u0642\u0644 \u0644\u0643\u0644 \u0645\u0628\u0646\u0649 \u0648\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0645\u0633\u062a\u0642\u0644 \u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0643\u0644 \u0645\u0628\u0646\u0649 \u062d\u062a\u0649 \u062a\u062a\u0645\u0643\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u062a\u0637\u0628\u064a\u0642 \u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u060c\u060c \u0648\u0643\u0630\u0644\u0643 \u062a\u0637\u0628\u064a\u0642 \u0645\u0628\u062f\u0623 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0628\u0635\u0648\u0631\u0629 \u0633\u0644\u064a\u0645\u0629<\/p>\n

* \u0627\u0644\u062d\u062f \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0647\u0648 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u064a\u0637\u0628\u0642 \u0639\u0644\u0649 \u0639\u062f\u062f \u0645\u0646 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0641\u064a \u0646\u0641\u0633 \u0627\u0644\u0645\u0648\u0642\u0639 \u0623\u0648 \u064a\u0637\u0628\u0642 \u0639\u0644\u0649 \u0646\u0648\u0639 \u0645\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u0623\u0648 \u064a\u0637\u0628\u0642 \u0639\u0644\u0649 \u0639\u062f\u062f \u0645\u0646 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u060c\u060c \u0648\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0630\u0627\u062a \u0627\u0644\u062d\u062f \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0648\u0627\u062d\u062f \u0623\u0648 \u0630\u0627\u062a \u0627\u0644\u062d\u062f\u0648\u062f \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0627\u062e\u062a\u0635\u0627\u0631\u0627\u064b \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0645\u062a\u0644\u0643 \u0627\u0644\u0645\u062d\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a (\u0623) \u0648\u0627\u0644\u0645\u062d\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a (\u0628) \u0641\u064a \u0645\u0648\u0642\u0639\u064a\u0646 \u0645\u062e\u062a\u0644\u0641\u064a\u0646 \u060c\u060c \u0648\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) 10 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0648\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0628\u062f\u0627\u062e\u0644\u0647 8 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0628) 5 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0648\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0628\u062f\u0627\u062e\u0644\u0647 4 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0641\u0625\u0646\u0643 \u062a\u0633\u062a\u0637\u064a\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0643\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0628\u0648\u062b\u064a\u0642\u0629 \u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u062d\u062f\u0629 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u060c\u060c \u0648\u062a\u062e\u062a\u0627\u0631 \u062d\u062f \u0625\u062c\u0645\u0627\u0644\u064a \u0623\u0648 \u062d\u062f\u0648\u062f \u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0643\u0645\u0627 \u064a\u0644\u064a :<\/p>\n

1 \u0640 \u062a\u062e\u062a\u0627\u0631 \u062d\u062f \u0625\u062c\u0645\u0627\u0644\u064a \u064a\u0633\u0627\u0648\u064a 18 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u064a\u0637\u0628\u0642 \u0639\u0644\u0649 \u0627\u0644\u0645\u0628\u0646\u0649 \u0648\u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0628\u0627\u0644\u0645\u062d\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a (\u0623) \u0648\u062d\u062f \u0625\u062c\u0645\u0627\u0644\u064a \u0622\u062e\u0631 \u064a\u0633\u0627\u0648\u064a 9 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u064a\u0637\u0628\u0642 \u0639\u0644\u0649 \u0627\u0644\u0645\u0628\u0646\u0649 \u0648\u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0628\u0627\u0644\u0645\u062d\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a (\u0628)<\/p>\n

2 \u0640 \u062a\u062e\u062a\u0627\u0631 \u062d\u062f \u0625\u062c\u0645\u0627\u0644\u064a \u064a\u0633\u0627\u0648\u064a 12 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u064a\u0637\u0628\u0642 \u0639\u0644\u0649 \u0643\u0644 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0628\u0627\u0644\u0645\u0648\u0642\u0639\u064a\u0646 \u060c\u060c \u0648\u062d\u062f \u0625\u062c\u0645\u0627\u0644\u064a \u0622\u062e\u0631 \u064a\u0633\u0627\u0648\u064a 15 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u064a\u0637\u0628\u0642 \u0639\u0644\u0649 \u0627\u0644\u0645\u0628\u0627\u0646\u064a \u0628\u0627\u0644\u0645\u0648\u0642\u0639\u064a\u0646 \u060c\u060c \u0648\u0645\u064a\u0632\u0629 \u0627\u0644\u062d\u062f \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0625\u0646\u0647 \u064a\u0633\u0627\u0639\u062f \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u064a \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u063a\u0637\u0627\u0621 \u0643\u0627\u0641\u064a \u0625\u0630\u0627 \u0632\u0627\u062f\u062a \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0623\u062b\u0646\u0627\u0621 \u0645\u062f\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u064a\u0639\u0646\u064a \u0644\u0648 \u0647\u0644\u0643\u062a \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0641\u064a \u0623\u064a \u0645\u062d\u0644 \u0645\u0646 \u0627\u0644\u0645\u062d\u0644\u064a\u0646 \u0641\u0625\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0648\u0647\u0648 12 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u064a\u0643\u0648\u0646 \u0645\u062a\u0627\u062d \u0644\u062a\u063a\u0637\u064a\u0629 \u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0628\u0647\u0630\u0627 \u0627\u0644\u0645\u062d\u0644 \u060c\u060c \u0648\u0644\u0648 \u0647\u0644\u0643\u062a \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0641\u064a \u0627\u0644\u0645\u062d\u0644\u064a\u0646 \u0641\u0625\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0648\u0647\u0648 12 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u064a\u0643\u0648\u0646 \u0645\u062a\u0627\u062d \u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0641\u064a \u0627\u0644\u0645\u062d\u0644\u064a\u0646 \u060c\u060c<\/p>\n

\u0648\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0641\u064a \u062d\u0627\u0644\u0629 \u0647\u0644\u0627\u0643 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0648\u0643\u0627\u0646 \u062a\u0643\u0644\u0641\u0629 \u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647 \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 (\u0625\u0639\u0627\u062f\u0629 \u0628\u0646\u0627\u0626\u0647) \u062a\u0633\u0627\u0648\u064a 15 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0641\u0625\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u0633\u062a\u0631\u062f \u062a\u0639\u0648\u064a\u0636 \u0645\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u0633\u0627\u0648\u064a 15 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0631\u063a\u0645\u0627\u064b \u0645\u0646 \u0625\u0646\u0647 \u0627\u0634\u062a\u0631\u0649 \u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u064a\u0633\u0627\u0648\u064a 10 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0645\u0645\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0627\u0644\u0642\u0633\u0637 \u0639\u0644\u0649 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0627\u0644\u0630\u064a \u062d\u0635\u0644\u062a\u0647 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0627 \u064a\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 \u060c\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0645\u0628\u0631\u0631 \u0647\u0648 \u0623\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0627\u0634\u062a\u0631\u0649 \u063a\u0637\u0627\u0621 \u0625\u062c\u0645\u0627\u0644\u064a \u064a\u0633\u0627\u0648\u064a 15 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0641\u064a\u0643\u0648\u0646 \u0645\u0646 \u062d\u0642\u0647 \u0623\u0646 \u064a\u0623\u062e\u0630 \u0647\u0630\u0627 \u0627\u0644\u063a\u0637\u0627\u0621 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0630\u064a \u0627\u0634\u062a\u0631\u0627\u0647 \u060c\u060c \u0648\u0644\u0644\u062a\u063a\u0644\u0628 \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0645\u0634\u0643\u0644\u0629 \u0641\u0625\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0639\u064a\u0646 \u062e\u0628\u064a\u0631 \u0644\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0635\u062d\u0629 \u0642\u064a\u0645 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0623\u0648 \u0623\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u062f\u0631\u062c \u0645\u0627 \u064a\u0633\u0645\u0649 \u0634\u0631\u0637 \u0627\u0644\u0647\u0627\u0645\u0634 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629<\/p>\n

3 \u0640 \u062a\u062e\u062a\u0627\u0631 \u062d\u062f \u0625\u062c\u0645\u0627\u0644\u064a \u0648\u0627\u062d\u062f \u064a\u0633\u0627\u0648\u064a 27 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u064a\u0637\u0628\u0642 \u0639\u0644\u0649 \u0643\u0644 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u060c\u060c \u0641\u0644\u0648 \u062d\u062f\u062b \u062d\u0627\u062f\u062b \u0648\u0647\u0644\u0643 \u0623\u064a \u0628\u0646\u062f \u0645\u0646 \u0628\u0646\u0648\u062f \u0647\u0630\u0647 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u060c\u060c \u0641\u0625\u0646 \u0642\u064a\u0645\u0629 \u0647\u0630\u0627 \u0627\u0644\u0628\u0646\u062f \u064a\u0643\u0648\u0646 \u0645\u063a\u0637\u0649 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0648\u0628\u062d\u062f \u0623\u0642\u0635\u0649 27 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0644\u0646\u0641\u062a\u0631\u0636 \u0625\u0646\u0643 \u0646\u0642\u0644\u062a \u0628\u0639\u0636 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0645\u0646 \u0627\u0644\u0645\u062d\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a (\u0628) \u0625\u0644\u0649 \u0627\u0644\u0645\u062d\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a (\u0623) \u0623\u0648 \u0627\u0631\u062a\u0641\u0639\u062a \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0641\u0644\u0648 \u0647\u0644\u0643\u062a \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0628\u0627\u0644\u0645\u062d\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a (\u0623) \u0641\u0625\u0646 \u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u062a\u0643\u0648\u0646 \u0645\u063a\u0637\u0627\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0645\u0647\u0645\u0627 \u0628\u0644\u063a\u062a \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u062d\u062a\u0649 \u0627\u0644\u062d\u062f \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0648\u0647\u0648 27 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0644\u0648 \u0647\u0644\u0643\u062a \u0643\u0644 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0628\u0627\u0644\u0645\u0648\u0642\u0639\u064a\u0646 \u064a\u0643\u0648\u0646 \u0623\u0642\u0635\u0649 \u0627\u0644\u062a\u0632\u0627\u0645 \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 27 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647<\/p>\n

\u0623\u0645\u0627 \u0625\u0630\u0627 \u0643\u0646\u062a \u0642\u062f \u0623\u0645\u0646\u062a \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u062d\u062f\u0648\u062f \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u0629 \u0648\u0647\u0644\u0643\u062a \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0628\u0627\u0644\u0645\u062d\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a (\u0623) \u0641\u0625\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0645\u062a\u062e\u0635\u0635 \u0648\u0647\u0648 8 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0642\u062f \u064a\u0633\u062a\u0646\u0641\u062f (\u064a\u0633\u062a\u0647\u0644\u0643) \u0642\u0628\u0644 \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644<\/p>\n

* \u0648\u0644\u0643\u0646 \u0639\u0646\u062f\u0645\u0627 \u064a\u062a\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u062d\u062f \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0623\u0648 \u0627\u0644\u062d\u062f\u0648\u062f \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u0629 \u0641\u0625\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0636\u064a\u0641 \u0645\u0644\u062d\u0642 \u0639\u0644\u0649 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u064a\u064f\u0633\u0645\u0649 \u0634\u0631\u0637 \u0627\u0644\u0647\u0627\u0645\u0634 \u0648\u0647\u0648 \u064a\u0642\u0644\u0644 \u0645\u0646 \u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u062d\u062f \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u060c\u060c \u0648\u0627\u0644\u0645\u0644\u062d\u0642 \u064a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0646\u0633\u0628\u0629 \u0645\u0626\u0648\u064a\u0629 \u0644\u0643\u0644 \u0646\u0648\u0639 \u0645\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u062d\u062f \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u060c\u060c \u0648\u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u0625\u0630\u0627 \u062a\u0645 \u0636\u0631\u0628\u0647\u0627 \u0641\u064a \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 stated value \u0628\u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0642\u064a\u0645 \u0644\u0643\u0644 \u0628\u0646\u062f \u0645\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u060c\u060c \u0641\u0625\u0646\u0646\u0627 \u0646\u062d\u0635\u0644 \u0639\u0644\u0649 \u0623\u0642\u0635\u0649 \u062e\u0633\u0627\u0631\u0629 \u0645\u0645\u0643\u0646\u0629 \u0627\u0644\u062f\u0641\u0639 maximum loss payable \u0644\u0643\u0644 \u0628\u0646\u062f \u0645\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u060c\u060c \u0648\u0627\u0633\u062a\u0645\u0631\u0627\u0631\u0627\u064b \u0644\u0645\u062b\u0627\u0644\u0646\u0627 \u0627\u0644\u0633\u0627\u0628\u0642 \u0644\u0646\u0641\u062a\u0631\u0636 \u0623\u0646 \u0627\u0644\u0646\u0633\u0628\u0629 \u0627\u0644\u0645\u0626\u0648\u064a\u0629 \u0644\u0644\u0647\u0627\u0645\u0634 \u0627\u0644\u062a\u064a \u062a\u0637\u0628\u0642 \u0639\u0644\u0649 \u0627\u0644\u0645\u0628\u0646\u0649 \u0628\u0627\u0644\u0645\u062d\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a (\u0623) \u0647\u064a 120% \u0641\u0625\u0630\u0627 \u0647\u0644\u0643 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0641\u0625\u0646 \u0623\u0642\u0635\u0649 \u062e\u0633\u0627\u0631\u0629 \u0645\u0645\u0643\u0646\u0629 \u0627\u0644\u062f\u0641\u0639 \u0647\u064a 12000 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0647\u0630\u0627 \u0644\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0633\u062a\u062f\u0641\u0639 \u0628\u0627\u0644\u0636\u0631\u0648\u0631\u0629 12000 \u062c\u0646\u064a\u0647 \u060c\u060c \u0641\u0647\u0646\u0627\u0643 \u0627\u0639\u062a\u0628\u0627\u0631\u0627\u062a \u0623\u062e\u0631\u0649 \u062a\u0624\u062e\u0630 \u0641\u064a \u0627\u0644\u062d\u0633\u0628\u0627\u0646 \u060c\u060c \u062d\u064a\u062b \u0623\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u062f\u0641\u0639 \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 actual loss payment \u0623\u0648 \u0623\u0642\u0635\u0649 \u062e\u0633\u0627\u0631\u0629 \u0645\u0645\u0643\u0646\u0629 \u0627\u0644\u062f\u0641\u0639 \u0623\u064a\u0647\u0645\u0627 \u0623\u0642\u0644 \u060c\u060c \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u064a\u062a\u0645 \u0627\u0644\u062a\u0648\u0635\u0644 \u0625\u0644\u064a\u0647\u0627 \u0639\u0646 \u0637\u0631\u064a\u0642 \u062a\u0637\u0628\u064a\u0642 \u0634\u0631\u0648\u0637 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0647\u064a \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u062a\u062d\u0645\u0644 \u0648\u0634\u0631\u0637 \u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u0639\u0644\u0649 \u0645\u0628\u0644\u063a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0645\u0646 \u0627\u0644\u0623\u0633\u0627\u0633 (\u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0623\u0635\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u0648\u0642\u0639\u062a \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u062f \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647)<\/p>\n

\u0648\u0634\u0631\u0637 \u0627\u0644\u0647\u0627\u0645\u0634 \u064a\u0643\u0648\u0646 \u0644\u0647 \u062a\u0623\u062b\u064a\u0631 \u0633\u064a\u0621 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0625\u0630\u0627 \u0627\u0631\u062a\u0641\u0639\u062a \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0623\u062b\u0646\u0627\u0621 \u0641\u062a\u0631\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0643\u0627\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 (\u0623\u0635\u0644 \u062c\u062f\u064a\u062f \u0628\u062f\u0644 \u0623\u0635\u0644 \u0642\u062f\u064a\u0645) \u060c\u060c \u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0632\u064a\u0627\u062f\u0629 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0639\u0646 \u0642\u064a\u0645\u062a\u0647\u0627 \u0641\u064a \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629<\/p>\n

* \u0645\u0646 \u0623\u062c\u0644 \u0627\u0644\u062a\u0628\u0633\u064a\u0637 \u0641\u0642\u062f \u062a\u062c\u0627\u0647\u0644\u0646\u0627 \u0627\u0644\u062a\u062d\u0645\u0644 \u0648\u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0644\u0630\u0627 \u064a\u062c\u0628 \u0623\u0646 \u0646\u0634\u064a\u0631 \u0625\u0644\u064a\u0647\u0645\u0627 \u0641\u064a \u0627\u0644\u062c\u0632\u0621 \u0627\u0644\u062a\u0627\u0644\u064a \u062d\u062a\u0649 \u0646\u0633\u062a\u0643\u0645\u0644 \u0627\u0644\u0645\u0648\u0636\u0648\u0639 \u060c\u060c<\/p>\n

\u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/span><\/p>\n

co-insurance clause \/ coinsurance clause<\/span><\/p>\n

\u0634\u0631\u0637 \u0645\u0634\u0627\u0631\u0643\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u0634\u0628\u0647 \u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0627\u0644\u062e\u0627\u0635 \u0648\u064a\u0637\u0628\u0642 \u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u062f\u0648\u0644 \u060c\u060c \u0648\u0644\u0643\u0646 \u064a\u062e\u062a\u0644\u0641 \u0639\u0646\u0647 \u0641\u064a \u0645\u0643\u0648\u0646\u0627\u062a \u0627\u0644\u0646\u0633\u0628\u0629 \u0627\u0644\u0645\u0637\u0628\u0642\u0629 \u0639\u0644\u0649 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062c\u0632\u0626\u064a\u0629 \u060c\u060c<\/p>\n

\u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u0646\u0635 \u0639\u0644\u0649 \u0625\u0646\u0647 \u0625\u0630\u0627 \u0623\u0631\u0627\u062f \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u0646 \u064a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0645\u0628\u0644\u063a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062c\u0632\u0626\u064a\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u064a\u062c\u0628 \u0639\u0644\u064a\u0647 \u0623\u0646 \u064a\u0624\u0645\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0628\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0644\u0627 \u064a\u0642\u0644 \u0639\u0646 \u0646\u0633\u0628\u0629 \u0645\u0626\u0648\u064a\u0629 \u0645\u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u060c\u060c \u0648\u0646\u0627\u062a\u062c \u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u060c\u060c \u0648\u0634\u0631\u0637 \u0645\u0634\u0627\u0631\u0643\u0629 90% (90% co-insurance clause) \u064a\u0639\u0646\u064a \u0623\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u0647\u0648 90% \u0645\u0646 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0648\u0647\u064a \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0623\u0648 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u060c\u060c \u0648\u0627\u0633\u062a\u0645\u0631\u0627\u0631\u0627\u064b \u0644\u0645\u062b\u0627\u0644\u0646\u0627 \u0627\u0644\u0633\u0627\u0628\u0642 \u0644\u0646\u0641\u062a\u0631\u0636 \u0623\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0642\u062f \u0627\u062e\u062a\u0627\u0631 \u0623\u0646 \u064a\u0624\u0645\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0648\u0627\u0644\u0645\u0628\u0646\u0649 (\u0628) \u0641\u064a \u0627\u0644\u0645\u0648\u0642\u0639\u064a\u0646 \u0628\u062d\u062f \u0625\u062c\u0645\u0627\u0644\u064a \u064a\u0633\u0627\u0648\u064a 15 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u064a\u0637\u0628\u0642 \u0639\u0644\u064a\u0647\u0645\u0627 \u064a\u0639\u0646\u064a \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0641\u0639\u0644\u064a \u0627\u0644\u0645\u0630\u0643\u0648\u0631 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 15 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0629 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u060c\u060c \u0648\u062a\u0643\u0644\u0641\u0629 \u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0648 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0628) \u0641\u064a \u0627\u0644\u0645\u0648\u0642\u0639\u064a\u0646 \u0647\u064a 20 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u060c\u060c \u0648\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0634\u0631\u0637 \u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 90% \u0644\u0630\u0627 \u0641\u0625\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0637\u0644\u0648\u0628 = 20000 \u00d7 90% = 18000 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0644\u0643\u0646 \u062d\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u062d\u0645\u0648\u0644 (\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u062d\u0645\u0648\u0644) \u064a\u0633\u0627\u0648\u064a 15 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0645\u0645\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u062f\u0648\u0646 \u0627\u0644\u0643\u0641\u0627\u064a\u0629 the blanket is underinsured \u060c\u060c \u0644\u0630\u0627 \u0646\u0637\u0628\u0642 \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062c\u0632\u0626\u064a\u0629 \u060c\u060c \u0644\u0623\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0623\u0642\u0644 \u0645\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u060c\u060c<\/p>\n

\u060c\u060c \u0623\u0645\u0627 \u0625\u0630\u0627 \u062a\u0633\u0627\u0648\u0649 \u0623\u0648 \u0632\u0627\u062f \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0645\u0639 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u0641\u0644\u0627 \u064a\u0637\u0628\u0642 \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u062e\u0633\u0627\u0631\u0629<\/p>\n

\u0648\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0647\u064a \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u060c\u060c \u0623\u0648 \u0642\u064a\u0645\u0629 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0647\u064a \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644\u064a\u0629<\/p>\n

(( \u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u0641\u0627\u0635\u064a\u0644 \u0639\u0646 \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0631\u0627\u062c\u0639 \u0645\u0642\u0627\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 ))<\/p>\n

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\u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 (\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644) \u060c\u060c \u0641\u0625\u0630\u0627 \u0627\u0631\u062a\u0641\u0639\u062a \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0632\u0645\u0646 \u064a\u0631\u062a\u0641\u0639 \u0623\u064a\u0636\u0627\u064b \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u060c\u060c \u0641\u064a \u0646\u0641\u0633 \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0630\u064a \u062a\u0638\u0644 \u0641\u064a\u0647 \u0627\u0644\u062d\u062f\u0648\u062f (\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u062d\u0645\u0648\u0644) \u062b\u0627\u0628\u062a\u0629 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0648\u0644\u062d\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u0634\u0643\u0644\u0629 \u064a\u062c\u0628 \u0645\u0631\u0627\u062c\u0639\u0629 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0628\u0635\u0641\u0629 \u062f\u0648\u0631\u064a\u0629 \u0644\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0648\u062d\u0644 \u0622\u062e\u0631 \u0644\u0644\u0645\u0634\u0643\u0644\u0629 \u0647\u0648 \u0623\u0646 \u064a\u0637\u0644\u0628 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0625\u0636\u0627\u0641\u0629 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 agreed value option (AVO) \u0639\u0644\u0649 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0641\u0625\u0630\u0627 \u0623\u062f\u0631\u062c \u0634\u0631\u0637 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0628\u0646\u0627\u0621 \u0639\u0644\u0649 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0644\u0625\u0636\u0627\u0641\u0629 \u0647\u0630\u0627 \u0627\u0644\u0634\u0631\u0637 \u060c\u060c \u0641\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0641\u0642\u062a \u0645\u0642\u062f\u0645\u0627\u064b \u0639\u0644\u0649 \u0623\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u064a\u0645\u062a\u062b\u0644 \u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0641\u064a\u062a\u0645 \u062a\u0639\u0644\u064a\u0642 \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0645\u062f\u0629 \u0633\u0646\u0629 \u062d\u062a\u0649 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u062a\u062c\u062f\u064a\u062f \u0627\u0644\u0633\u0646\u0648\u064a \u060c\u060c \u064a\u0639\u0646\u064a \u064a\u062a\u0645 \u0625\u0644\u063a\u0627\u0621 \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0645\u062f\u0629 \u0633\u0646\u0629 \u060c\u060c \u0641\u064a\u0639\u062a\u0628\u0631 \u0648\u0643\u0623\u0646\u0647 \u063a\u064a\u0631 \u0645\u0648\u062c\u0648\u062f \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629<\/p>\n

* \u0648\u0639\u0646\u062f\u0645\u0627 \u064a\u062e\u062a\u0627\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0625\u0636\u0627\u0641\u0629 \u0634\u0631\u0637 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0641\u0625\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u0642\u062f\u0645 \u0623\u064a\u0636\u0627\u064b \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0642\u064a\u0645 (\u0642\u0627\u0626\u0645\u0629 \u0642\u064a\u0645 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627) statement of values (SOV) \u0625\u0644\u0649 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0642\u0628\u0644 \u0628\u062f\u0627\u064a\u0629 \u0633\u0631\u064a\u0627\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0648\u0628\u0645\u062c\u0631\u062f \u0623\u0646 \u064a\u0639\u062a\u0645\u062f \u0627\u0644\u0645\u0624\u0645\u0646 \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0642\u064a\u0645 \u0641\u0625\u0646 \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u062a\u0645 \u062a\u0639\u0644\u064a\u0642\u0647 \u0641\u0644\u0627 \u064a\u0633\u0631\u064a \u062d\u062a\u0649 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u062a\u062c\u062f\u064a\u062f \u0627\u0644\u0633\u0646\u0648\u064a \u060c\u060c<\/p>\n

* \u0648\u062d\u062a\u0649 \u064a\u0633\u062a\u0645\u0631 \u063a\u0637\u0627\u0621 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u060c\u060c \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u0646 \u064a\u0642\u062f\u0645 \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0642\u0627\u0626\u0645\u0629 \u0642\u064a\u0645 \u062c\u062f\u064a\u062f\u0629 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u060c\u060c \u0641\u0625\u0646 \u0644\u0645 \u064a\u0642\u062f\u0645\u0647\u0627 \u064a\u0646\u0642\u0636\u064a \u063a\u0637\u0627\u0621 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0648\u064a\u0633\u0631\u064a \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u062c\u062f\u064a\u062f<\/p>\n

* \u0648\u064a\u0646\u0635 \u0634\u0631\u0637 \u063a\u0637\u0627\u0621 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0639\u0644\u0649 \u0623\u0646 \u062d\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 (\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u062d\u0645\u0648\u0644) \u064a\u062c\u0628 \u0623\u0646 \u064a\u0633\u0627\u0648\u064a \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u062d\u062a\u0649 \u064a\u062a\u0645\u062a\u0639 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0628\u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0645\u0646 \u0639\u0642\u0648\u0628\u0629 \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u062a\u0643\u0648\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0633\u0626\u0648\u0644\u0629 \u0639\u0646 \u0623\u064a \u062e\u0633\u0627\u0631\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u062d\u062a\u0649 \u062d\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 (\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646) limit of insurance \u0645\u0639 \u0627\u0644\u0623\u062e\u0630 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0627\u0644\u062a\u062d\u0645\u0644 \u0625\u0646 \u0648\u062c\u062f \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0641\u0625\u0630\u0627 \u0643\u0627\u0646 \u062d\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0642\u0644 \u0645\u0646 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0641\u0625\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0637\u0628\u0642 \u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 ((\u0648\u0644\u064a\u0633 \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629)) \u064a\u0639\u0646\u064a \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u062f\u0641\u0639 \u0646\u0633\u0628\u0629 \u0645\u0646 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u060c\u060c \u0648\u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u0647\u064a \u0646\u0633\u0628\u0629 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u060c\u060c \u0644\u0646\u0641\u062a\u0631\u0636 \u0623\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0644\u0645\u0628\u0646\u0649 \u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 \u0647\u0648 75 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0623\u0646 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0647\u064a 100 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0627\u0644\u062a\u062d\u0645\u0644 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0647\u0648 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u0641\u0625\u0630\u0627 \u062d\u062f\u062b\u062a \u062e\u0633\u0627\u0631\u0629 \u0642\u062f\u0631\u0647\u0627 10 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0641\u0625\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u062f\u0641\u0639 6500 \u062c\u0646\u064a\u0647 \u0645\u062d\u062a\u0633\u0628\u0629 \u0643\u0645\u0627 \u064a\u0644\u064a<\/p>\n

\u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 = 10000 \u00d7 75000\/100000 = 7500 \u062c\u0646\u064a\u0647<\/p>\n

\u0627\u0644\u062a\u0639\u0648\u064a\u0636 = 7500 \u2013 1000 \u062a\u062d\u0645\u0644 = 6500 \u062c\u0646\u064a\u0647<\/p>\n

* \u0648\u0627\u0644\u0633\u0624\u0627\u0644 \u0627\u0644\u0622\u0646 \u0647\u0644 \u0625\u0636\u0627\u0641\u0629 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0625\u0644\u0649 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u064a\u062c\u0639\u0644 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u062f\u0641\u0639 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0643\u0644\u064a\u0629 \u0648\u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u061f! \u0628\u0639\u0628\u0627\u0631\u0629 \u0623\u062e\u0631\u0649 \u0647\u0644 \u0625\u0636\u0627\u0641\u0629 \u0634\u0631\u0637 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0625\u0644\u0649 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u064a\u0642\u0644\u0628\u0647\u0627 \u0645\u0646 \u0648\u062b\u064a\u0642\u0629 \u063a\u064a\u0631 \u0645\u062d\u062f\u062f\u0629 \u0627\u0644\u0642\u064a\u0645\u0629 \u0625\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u061f! \u0627\u0644\u0625\u062c\u0627\u0628\u0629 \u0644\u0627 \u060c\u060c \u0644\u0623\u0646 \u0648\u0638\u064a\u0641\u0629 \u0634\u0631\u0637 \u063a\u0637\u0627\u0621 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0647\u064a \u0623\u0646 \u062a\u0644\u063a\u064a \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0645\u062f\u0629 \u0633\u0646\u0629 \u060c\u060c \u0644\u0627 \u0623\u0643\u062b\u0631 \u0648\u0644\u0627 \u0623\u0642\u0644 \u060c\u060c \u0648\u0641\u064a\u0645\u0627 \u0639\u062f\u0627 \u0630\u0644\u0643 \u062a\u0628\u0642\u0649 \u0634\u0631\u0648\u0637 \u0648\u062a\u0641\u0627\u0635\u064a\u0644 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0643\u0645\u0627 \u0647\u064a \u062f\u0648\u0646 \u062a\u063a\u064a\u064a\u0631 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u064a\u0628\u0642\u0649 \u0634\u0631\u0637 \u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u0648\u062c\u0648\u062f \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0643\u0645\u0627 \u0647\u0648 \u062f\u0648\u0646 \u062a\u063a\u064a\u064a\u0631 \u060c\u060c \u0641\u0644\u0648 \u0643\u0627\u0646 \u0634\u0631\u0637 \u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u0647\u0648 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0641\u0625\u0646\u0647 \u064a\u0628\u0642\u0649 \u0643\u0645\u0627 \u0647\u0648 \u062f\u0648\u0646 \u062a\u063a\u064a\u064a\u0631 \u060c\u060c \u0648\u0644\u0648 \u0643\u0627\u0646 \u0634\u0631\u0637 \u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u0647\u0648 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0641\u0625\u0646\u0647 \u064a\u0628\u0642\u0649 \u0643\u0645\u0627 \u0647\u0648 \u062f\u0648\u0646 \u062a\u063a\u064a\u064a\u0631 \u060c\u060c<\/p>\n

\u0645\u062b\u0627\u0644 : \u0634\u0631\u0637 \u0627\u0644\u0647\u0627\u0645\u0634 \u0641\u064a \u062d\u0627\u0644\u0629 \u0648\u062c\u0648\u062f \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0644\u0643\u0646 \u0644\u0627 \u062a\u0648\u062c\u062f \u0639\u0642\u0648\u0628\u0629 \u0645\u0634\u0627\u0631\u0643\u0629 \u0644\u0623\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0643\u0627\u0641\u064a<\/p>\n

* \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0648\u0627\u0644\u0645\u0628\u0646\u0649 (\u0628) \u0641\u064a \u0627\u0644\u0645\u0648\u0642\u0639\u064a\u0646 \u062a\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u064a\u0647\u0645\u0627 \u0628\u062d\u062f \u062a\u0623\u0645\u064a\u0646 \u0625\u062c\u0645\u0627\u0644\u064a blanket limit of insurance \u064a\u0633\u0627\u0648\u064a 10 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647<\/p>\n

* \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0648\u0627\u0644\u0645\u0628\u0646\u0649 (\u0628) \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u064a\u0633\u0627\u0648\u064a 12 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u060c\u060c \u064a\u0639\u0646\u064a \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u062a\u0633\u0627\u0648\u064a 12 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0644\u0623\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0647\u064a \u0648\u062b\u064a\u0642\u0629 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u062f\u0627\u0644 (\u0625\u0639\u0627\u062f\u0629 \u0628\u0646\u0627\u0621 \u0627\u0644\u0645\u0628\u0646\u0649)<\/p>\n

* \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 80%<\/p>\n

* 80% \u0645\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0648\u0627\u0644\u0645\u0628\u0646\u0649 (\u0628) \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 = 12000 \u00d7 80% = 9600 \u062c\u0646\u064a\u0647 \u060c\u060c \u0644\u0630\u0627 \u0644\u0627 \u062a\u0648\u062c\u062f \u0639\u0642\u0648\u0628\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062d\u064a\u062b \u0623\u0646 \u062d\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0623\u0643\u0628\u0631 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0645\u0628\u0644\u063a<\/p>\n

* \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 (\u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629) stated value \u0644\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0641\u064a \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0642\u064a\u0645 \u062a\u0633\u0627\u0648\u064a 6000 \u062c\u0646\u064a\u0647 \u0648\u0634\u0631\u0637 \u0627\u0644\u0647\u0627\u0645\u0634 120%<\/p>\n

\u0644\u0630\u0627 \u0623\u0642\u0635\u0649 \u062e\u0633\u0627\u0631\u0629 \u0645\u0645\u0643\u0646\u0629 \u0627\u0644\u062f\u0641\u0639 = 6000 \u00d7 120% = 7200 \u062c\u0646\u064a\u0647<\/p>\n

* \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u062a\u0643\u0628\u062f \u062e\u0633\u0627\u0631\u0629 \u0642\u062f\u0631\u0647\u0627 7500 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0627\u0644\u062a\u062d\u0645\u0644 \u0639\u0644\u0649 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647<\/p>\n

* \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 = \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0645\u0646 \u0627\u0644\u0623\u0633\u0627\u0633 \u2013 \u0627\u0644\u062a\u062d\u0645\u0644 = 7500 \u2013 1000 = 6500 \u062c\u0646\u064a\u0647<\/p>\n

* \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u062f\u0641\u0639 6500 \u062c\u0646\u064a\u0647 \u0644\u0623\u0646\u0647 \u0623\u0642\u0644 \u0645\u0646 \u0623\u0642\u0635\u0649 \u062e\u0633\u0627\u0631\u0629 \u0645\u0645\u0643\u0646\u0629 \u0627\u0644\u062f\u0641\u0639<\/p>\n

\u0645\u062b\u0627\u0644 : \u0634\u0631\u0637 \u0627\u0644\u0647\u0627\u0645\u0634 \u0641\u064a \u062d\u0627\u0644\u0629 \u0648\u062c\u0648\u062f \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u062a\u0648\u062c\u062f \u0639\u0642\u0648\u0628\u0629 \u0645\u0634\u0627\u0631\u0643\u0629 \u0644\u0623\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062f\u0648\u0646 \u0627\u0644\u0643\u0641\u0627\u064a\u0629<\/p>\n

* \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0648\u0627\u0644\u0645\u0628\u0646\u0649 (\u0628) \u0641\u064a \u0627\u0644\u0645\u0648\u0642\u0639\u064a\u0646 \u062a\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u064a\u0647\u0645\u0627 \u0628\u062d\u062f \u062a\u0623\u0645\u064a\u0646 \u0625\u062c\u0645\u0627\u0644\u064a blanket limit of insurance \u064a\u0633\u0627\u0648\u064a 10 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647<\/p>\n

* \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0648\u0627\u0644\u0645\u0628\u0646\u0649 (\u0628) \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u064a\u0633\u0627\u0648\u064a 12 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647<\/p>\n

* \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 90%<\/p>\n

* \u062d\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0637\u0644\u0648\u0628 = 90% \u0645\u0646 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0648\u0627\u0644\u0645\u0628\u0646\u0649 (\u0628) \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 = 12000 \u00d7 90% = 10800 \u062c\u0646\u064a\u0647 \u060c\u060c \u0644\u0630\u0627 \u062a\u0637\u0628\u0642 \u0639\u0642\u0648\u0628\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062d\u064a\u062b \u0623\u0646 \u062d\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u062d\u0645\u0648\u0644 10 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0623\u0642\u0644 \u0645\u0646 \u062d\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0637\u0644\u0648\u0628 10800 \u062c\u0646\u064a\u0647<\/p>\n

* \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 (\u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629) stated value \u0644\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0641\u064a \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0642\u064a\u0645 \u062a\u0633\u0627\u0648\u064a 6000 \u062c\u0646\u064a\u0647 \u0648\u0634\u0631\u0637 \u0627\u0644\u0647\u0627\u0645\u0634 120%<\/p>\n

\u0644\u0630\u0627 \u0623\u0642\u0635\u0649 \u062e\u0633\u0627\u0631\u0629 \u0645\u0645\u0643\u0646\u0629 \u0627\u0644\u062f\u0641\u0639 = 6000 \u00d7 120% = 7200 \u062c\u0646\u064a\u0647<\/p>\n

* \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u062a\u0643\u0628\u062f \u062e\u0633\u0627\u0631\u0629 \u0642\u062f\u0631\u0647\u0627 7500 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0627\u0644\u062a\u062d\u0645\u0644 \u0639\u0644\u0649 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647<\/p>\n

\u0648\u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u062f\u0641\u0648\u0639<\/p>\n

\u0627\u0644\u062d\u0644<\/p>\n

\u0645\u0639\u0627\u0645\u0644 \u0639\u0642\u0648\u0628\u0629 \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 = \u062d\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u00f7 \u062d\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0637\u0644\u0648\u0628 = 10000 \u00f7 10800 = 0.9259<\/p>\n

\u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0645\u0639\u062f\u0644\u0629 adjusted loss = \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0645\u0646 \u0627\u0644\u0623\u0633\u0627\u0633 \u00d7 \u0645\u0639\u0627\u0645\u0644 \u0639\u0642\u0648\u0628\u0629 \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 = 7500 \u00d7 0.9259 = 6944 \u062c\u0646\u064a\u0647<\/p>\n

* \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 = \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0645\u0639\u062f\u0644\u0629 \u2013 \u0627\u0644\u062a\u062d\u0645\u0644 = 6944 \u2013 1000 = 5944 \u062c\u0646\u064a\u0647<\/p>\n

* \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u062f\u0641\u0639 5944 \u062c\u0646\u064a\u0647 \u0644\u0623\u0646\u0647 \u0623\u0642\u0644 \u0645\u0646 \u0623\u0642\u0635\u0649 \u062e\u0633\u0627\u0631\u0629 \u0645\u0645\u0643\u0646\u0629 \u0627\u0644\u062f\u0641\u0639<\/p>\n

\u0645\u062b\u0627\u0644 : \u0634\u0631\u0637 \u0627\u0644\u0647\u0627\u0645\u0634 \u0641\u064a \u062d\u0627\u0644\u0629 \u0625\u0644\u063a\u0627\u0621 \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0644\u0623\u0646\u0647 \u062a\u0645 \u0625\u0636\u0627\u0641\u0629 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629<\/p>\n

* \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0648\u0627\u0644\u0645\u0628\u0646\u0649 (\u0628) \u0641\u064a \u0627\u0644\u0645\u0648\u0642\u0639\u064a\u0646 \u062a\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u064a\u0647\u0645\u0627 \u0628\u062d\u062f \u062a\u0623\u0645\u064a\u0646 \u0625\u062c\u0645\u0627\u0644\u064a blanket limit of insurance \u064a\u0633\u0627\u0648\u064a 10 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647<\/p>\n

* \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0639\u0644\u0646\u0629 (\u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629) stated value \u0644\u0644\u0645\u0628\u0646\u0649 (\u0623) \u0641\u064a \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0642\u064a\u0645 \u062a\u0633\u0627\u0648\u064a 6000 \u062c\u0646\u064a\u0647 \u0648\u0634\u0631\u0637 \u0627\u0644\u0647\u0627\u0645\u0634 120%<\/p>\n

\u0644\u0630\u0627 \u0623\u0642\u0635\u0649 \u062e\u0633\u0627\u0631\u0629 \u0645\u0645\u0643\u0646\u0629 \u0627\u0644\u062f\u0641\u0639 = 6000 \u00d7 120% = 7200 \u062c\u0646\u064a\u0647<\/p>\n

* \u0627\u0644\u0645\u0628\u0646\u0649 (\u0623) \u062a\u0643\u0628\u062f \u062e\u0633\u0627\u0631\u0629 \u0642\u062f\u0631\u0647\u0627 8400 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0627\u0644\u062a\u062d\u0645\u0644 \u0639\u0644\u0649 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647<\/p>\n

* \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 = \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0645\u0646 \u0627\u0644\u0623\u0633\u0627\u0633 \u2013 \u0627\u0644\u062a\u062d\u0645\u0644 = 8400 \u2013 1000 = 7400 \u062c\u0646\u064a\u0647<\/p>\n

* \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u062f\u0641\u0639 7200 \u062c\u0646\u064a\u0647 \u0623\u0642\u0635\u0649 \u062e\u0633\u0627\u0631\u0629 \u0645\u0645\u0643\u0646\u0629 \u0627\u0644\u062f\u0641\u0639 \u0644\u0623\u0646\u0647\u0627 \u0623\u0642\u0644 \u0645\u0646 \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629<\/p>\n

8\/6 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627<\/span><\/p>\n

agreed value insurance policy<\/p>\n

\u0628\u0639\u0636 \u0627\u0644\u062f\u0648\u0644 \u062a\u0635\u062f\u0631 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0645\u062b\u0644 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u062a\u0633\u0645\u0649 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u060c\u060c \u0648\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0623\u064a\u0636\u0627\u064b \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0636\u0645\u0648\u0646\u0629 guaranteed value \u062a\u0635\u0628\u062d \u0647\u064a \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0648\u064a\u0646\u0635 \u0634\u0631\u0637 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0628\u0647\u0630\u0647 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0639\u0644\u0649 \u0623\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646 \u062a\u062f\u0641\u0639 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0643\u0644\u064a\u0629 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647 agreed amount \u0648\u0647\u0648 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0648 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u060c\u060c \u0648\u0639\u0646\u062f \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u064a\u062a\u0645 \u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0635\u0641\u062d\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0648\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0644\u0644\u0633\u064a\u0627\u0631\u0629 \u0645\u062b\u0644\u0627\u064b \u0647\u064a \u0642\u064a\u0645\u0629 \u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0628\u064a\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0648\u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u064a \u0628\u062f\u0627\u064a\u0629 \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0645\u062b\u0628\u062a\u0629 \u0628\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0648\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u062e\u0628\u064a\u0631 \u0627\u0644\u0645\u062b\u0645\u0646<\/p>\n

* \u0645\u0635\u0637\u0644\u062d \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u064a\u062e\u062a\u0644\u0641 \u0639\u0646 \u0645\u0635\u0637\u0644\u062d \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629 (\u0627\u0644\u0645\u0639\u0644\u0646\u0629) stated value \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 (\u0627\u0644\u0645\u062a\u0639\u0627\u0631\u0641 \u0639\u0644\u064a\u0647\u0627) ordinary policy \/ standard insurance policy \u062d\u064a\u062b \u0623\u0646 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 \u062a\u062f\u0641\u0639 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0644\u0644\u0633\u064a\u0627\u0631\u0629 \u0645\u062b\u0644\u0627\u064b \u0641\u064a \u064a\u0648\u0645 \u0627\u0644\u062d\u0627\u062f\u062b \u0642\u0628\u0644 \u0648\u0642\u0648\u0639 \u0627\u0644\u062a\u0644\u0641 \u060c\u060c \u0648\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629 \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 \u0647\u064a \u0645\u0628\u0644\u063a \u064a\u0630\u0643\u0631\u0647 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u064a\u0639\u0646\u064a \u064a\u0642\u0648\u0644 \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0643\u062a\u0627\u0628\u0629 \u0623\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0642\u064a\u0645\u062a\u0647\u0627 \u0645\u0627\u0626\u0629 \u0623\u0644\u0641 \u062c\u0646\u064a\u0647 \u0648\u064a\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0628\u0647\u0630\u0627 \u0627\u0644\u0645\u0628\u0644\u063a \u060c\u060c \u0648\u0641\u064a \u062d\u0627\u0644\u0629 \u0648\u0642\u0648\u0639 \u062e\u0633\u0627\u0631\u0629 \u0643\u0644\u064a\u0629 \u0641\u0625\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0633\u0648\u0641 \u062a\u062f\u0641\u0639 \u0647\u0630\u0627 \u0627\u0644\u0645\u0628\u0644\u063a \u0623\u0648 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0623\u064a\u0647\u0645\u0627 \u0623\u0642\u0644<\/p>\n

9- \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0628\u0627\u0646\u064a<\/span><\/p>\n

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10- \u0645\u0635\u0637\u0644\u062d\u0627\u062a<\/span><\/p>\n

\u062f\u0645\u0627\u0631 \u0627\u0644\u062b\u0631\u0648\u0629 \u0628\u0627\u0644\u062d\u0631\u064a\u0642 Fire waste<\/span><\/p>\n

\u062f\u0645\u0627\u0631 \u0627\u0644\u062b\u0631\u0648\u0629 \u0628\u0627\u0644\u062d\u0631\u064a\u0642 \u064a\u0639\u0646\u064a \u062e\u0633\u0627\u0631\u0629 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0644\u0644\u0645\u062c\u062a\u0645\u0639 \u0628\u0633\u0628\u0628 \u0627\u0644\u062d\u0631\u0627\u0626\u0642 \u060c\u060c \u0641\u0639\u0646\u062f\u0645\u0627 \u064a\u062d\u062f\u062b \u062d\u0631\u064a\u0642 \u0641\u0625\u0646 \u0623\u0635\u0648\u0644 \u0648\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u062c\u062a\u0645\u0639 \u062a\u062d\u062a\u0631\u0642 \u0648\u062a\u0632\u0648\u0644 \u0645\u0646 \u0627\u0644\u0648\u062c\u0648\u062f \u0645\u0645\u0627 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062e\u0633\u0627\u0631\u0629 \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0644\u0644\u0645\u062c\u062a\u0645\u0639 \u060c\u060c \u0625\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0645 \u064a\u0645\u0646\u0639 \u062f\u0645\u0627\u0631 \u0627\u0644\u062b\u0631\u0648\u0629 \u0628\u0627\u0644\u062d\u0631\u0627\u0626\u0642 \u0648\u0644\u0643\u0646 \u0643\u0644 \u0645\u0627 \u064a\u0641\u0639\u0644\u0647 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u062a\u0648\u0632\u064a\u0639 \u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062d\u0631\u064a\u0642 \u0639\u0644\u0649 \u062c\u0645\u0647\u0648\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647\u0645 \u0639\u0646 \u0637\u0631\u064a\u0642 \u062a\u062d\u0635\u064a\u0644 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0648\u062f\u0641\u0639 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u060c\u060c \u0648\u0644\u064a\u0633 \u0635\u062d\u064a\u062d \u0645\u0627 \u064a\u0639\u062a\u0642\u062f \u0641\u064a\u0647 \u0628\u0639\u0636 \u0627\u0644\u0646\u0627\u0633 \u0628\u0623\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0646\u062f\u0645\u0627 \u064a\u062f\u0641\u0639 \u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0641\u0644\u0627 \u062a\u0648\u062c\u062f \u0623\u064a \u0646\u062a\u0627\u0626\u062c \u0636\u0627\u0631\u0629 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0644\u0623\u0646 \u0627\u0644\u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629 \u0647\u064a \u062f\u0645\u0627\u0631 \u0627\u0644\u062b\u0631\u0648\u0629 \u0627\u0644\u0642\u0648\u0645\u064a\u0629 \u0628\u0627\u0644\u062d\u0631\u0627\u0626\u0642 \u060c\u060c<\/p>\n

\u0627\u0644\u062c\u062f\u0648\u0644 schedule<\/span><\/p>\n

\u0647\u0630\u0627 \u0627\u0644\u062c\u0632\u0621 \u0645\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0630\u064a \u064a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0627\u0644\u062a\u0641\u0627\u0635\u064a\u0644 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u063a\u064a\u0631 \u0628\u0627\u062e\u062a\u0644\u0627\u0641 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0627\u0633\u0645 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0648\u0639\u0646\u0648\u0627\u0646\u0647 \u0648\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062e \u060c\u060c \u0648\u064a\u0637\u0644\u0642 \u0645\u0635\u0637\u0644\u062d \u0627\u0644\u062c\u062f\u0648\u0644 \u0623\u064a\u0636\u0627\u064b \u0639\u0644\u0649 \u0623\u064a \u0642\u0627\u0626\u0645\u0629 \u0630\u0627\u062a \u0628\u0646\u0648\u062f \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u062c\u062f\u0648\u0644 \u0628\u0645\u0639\u062f\u0644\u0627\u062a \u0642\u0633\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u062d\u0631\u0641 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u060c\u060c \u0648\u062c\u062f\u0648\u0644 \u0628\u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u063a\u0637\u064a\u0647\u0627 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0643\u0627\u0644\u0645\u0628\u0627\u0646\u064a \u0648\u0627\u0644\u0645\u062e\u0627\u0632\u0646 \u0648\u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0645\u0639 \u0648\u0635\u0641 \u062f\u0642\u064a\u0642 \u0644\u0643\u0644\u064d \u0645\u0646\u0647\u0645 \u060c\u060c \u062d\u064a\u062b \u064a\u0639\u062a\u0628\u0631 \u0647\u0630\u0627 \u0627\u0644\u062c\u062f\u0648\u0644 \u062c\u0632\u0621\u0627\u064b \u0645\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0645\u062a\u0645\u0645\u0627\u064b \u0644\u0647\u0627 \u060c\u060c \u0648\u062c\u062f\u0648\u0644 \u0628\u0627\u0644\u0645\u0628\u0644\u063a (\u0628\u0627\u0644\u062a\u0639\u0648\u064a\u0636) \u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u062f\u0641\u0639\u0647 \u0641\u064a \u062d\u0627\u0644\u0629 \u0628\u062a\u0631 \u0639\u0636\u0648 \u0623\u0648 \u0639\u0636\u0648\u064a\u0646 \u0623\u0648 \u0625\u062c\u0631\u0627\u0621 \u0639\u0645\u0644\u064a\u0629 \u062c\u0631\u0627\u062d\u064a\u0629 \u0627\u0644\u062e<\/p>\n

\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0645\u062c\u062f\u0648\u0644\u0629 scheduled policy<\/span><\/p>\n

\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u064a \u062a\u0640\u064f\u0639\u062f\u062f \u0648\u062a\u0633\u0645\u064a \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u063a\u0637\u0627\u0629 \u0628\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u062a\u062d\u062f\u062f \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0644\u0643\u0644 \u0628\u0646\u062f \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0645\u062c\u062f\u0648\u0644\u0629 \u060c\u060c \u0639\u0644\u0649 \u0639\u0643\u0633 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 standard policy \u0648\u0647\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u063a\u064a\u0631 \u0645\u062c\u062f\u0648\u0644\u0629 non-scheduled policy \/ unscheduled policy\u0627\u0644\u062a\u064a \u062a\u0645\u0646\u062d \u063a\u0637\u0627\u0621 \u062a\u0623\u0645\u064a\u0646\u064a \u062d\u062a\u0649 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0645\u0639\u064a\u0646 \u0644\u0628\u0646\u0648\u062f \u0645\u062e\u062a\u0644\u0641\u0629 \u0645\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a<\/p>\n

* \u0648\u0645\u064a\u0632\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0645\u062c\u062f\u0648\u0644\u0629 \u0647\u064a \u0623\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u063a\u0637\u064a \u0643\u0627\u0645\u0644 \u0627\u0644\u0642\u064a\u0645\u0629 \u0644\u0643\u0644 \u0628\u0646\u062f \u0645\u0646 \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0642\u062a\u0646\u064a\u0627\u062a \u0627\u0644\u062b\u0645\u064a\u0646\u0629 \u0645\u062b\u0644 \u0627\u0644\u0645\u062c\u0648\u0647\u0631\u0627\u062a \u0648\u0627\u0644\u0641\u0631\u0627\u0621 \u0627\u0644\u062b\u0645\u064a\u0646 \u0648\u0627\u0644\u062a\u062d\u0641 \u0648\u0644\u0648\u062d\u0627\u062a \u0627\u0644\u0641\u0646\u0648\u0646 \u0627\u0644\u062c\u0645\u064a\u0644\u0629 \u0648\u0627\u0644\u0645\u0648\u0628\u0627\u064a\u0644 \u0627\u0644\u062e \u060c\u060c \u062d\u064a\u062b \u064a\u0642\u062f\u0645 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0642\u0627\u0626\u0645\u0629 \u062a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 \u0628\u0646\u0648\u062f \u0647\u0630\u0647 \u0627\u0644\u0645\u0642\u062a\u0646\u064a\u0627\u062a \u0627\u0644\u062b\u0645\u064a\u0646\u0629 \u0648\u0642\u064a\u0645\u0629 \u0643\u0644 \u0628\u0646\u062f \u060c\u060c \u0648\u0647\u0630\u0647 \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0635\u0637\u0644\u062d \u0627\u0644\u062c\u062f\u0648\u0644<\/p>\n

* \u0628\u064a\u0646\u0645\u0627 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 \u0627\u0644\u063a\u064a\u0631 \u0645\u062c\u062f\u0648\u0644\u0629 \u0645\u062b\u0644 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0635\u0627\u062d\u0628 \u0627\u0644\u0645\u0646\u0632\u0644 \u062a\u0645\u0646\u062d \u063a\u0637\u0627\u0621 \u062a\u0623\u0645\u064a\u0646\u064a \u062d\u062a\u0649 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0645\u0639\u064a\u0646 \u0644\u0628\u0646\u0648\u062f \u0645\u062e\u062a\u0644\u0641\u0629 \u0645\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u060c\u060c \u0648\u062a\u0636\u0639 \u062d\u062f\u0648\u062f \u0642\u0635\u0648\u0649 \u0644\u0644\u0645\u0642\u062a\u0646\u064a\u0627\u062a \u0627\u0644\u062b\u0645\u064a\u0646\u0629 \u060c\u060c \u0648\u0642\u062f \u0644\u0627 \u064a\u0643\u0641\u064a \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0628\u0646\u0648\u062f \u0627\u0644\u062b\u0645\u064a\u0646\u0629 \u060c\u060c \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0635\u0627\u062d\u0628 \u0627\u0644\u0645\u0646\u0632\u0644 \u062a\u063a\u0637\u064a \u0627\u0644\u0645\u0646\u0632\u0644 \u0646\u0641\u0633\u0647 \u0648\u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0628\u062f\u0627\u062e\u0644\u0647 (\u0627\u0644\u0645\u0646\u0642\u0648\u0644\u0627\u062a) \u0645\u062b\u0644 \u0627\u0644\u0623\u062b\u0627\u062b \u0648\u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0648\u0627\u0644\u0645\u0644\u0627\u0628\u0633 \u0643\u0645\u0627 \u0625\u0646\u0647\u0627 \u062a\u0645\u0646\u062d \u063a\u0637\u0627\u0621 \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0634\u062e\u0635\u064a\u0629<\/p>\n

* \u0644\u0647\u0630\u0647 \u0627\u0644\u0623\u0633\u0628\u0627\u0628 \u0641\u0625\u0646 \u0635\u0627\u062d\u0628 \u0627\u0644\u0645\u0646\u0632\u0644 \u064a\u0634\u062a\u0631\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0645\u062c\u062f\u0648\u0644\u0629 \u0643\u062a\u0623\u0645\u064a\u0646 \u0625\u0636\u0627\u0641\u064a \u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0635\u0627\u062d\u0628 \u0627\u0644\u0645\u0646\u0632\u0644 \u060c\u060c \u0625\u0630\u0627 \u0643\u0627\u0646 \u064a\u0645\u062a\u0644\u0643 \u0628\u0646\u0648\u062f \u062b\u0645\u064a\u0646\u0629<\/p>\n

\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u062e\u0644\u064a \u0639\u0646 \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0627\u062a (\u062a\u0631\u0643\u0647\u0627) Abandonment policy<\/span><\/p>\n

\u0647\u064a \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u062a\u0624\u0645\u0646 \u0639\u0644\u0649 \u0625\u0644\u063a\u0627\u0621 \u0645\u0646\u0627\u0633\u0628\u0629 \u0645\u0639\u064a\u0646\u0629 \u0628\u0633\u0628\u0628 \u062a\u062d\u0642\u0642 \u0623\u062e\u0637\u0627\u0631 \u0645\u0639\u064a\u0646\u0629 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0625\u0644\u063a\u0627\u0621 \u0627\u0644\u0645\u0628\u0627\u0631\u0627\u0629 \u0628\u0633\u0628\u0628 \u0647\u0637\u0648\u0644 \u0627\u0644\u0623\u0645\u0637\u0627\u0631<\/p>\n

\u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u062e\u0627\u0636\u0639 \u0644\u0644\u062a\u0633\u0648\u064a\u0629 adjustable premium<\/span><\/p>\n

\u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u062e\u0627\u0636\u0639 \u0644\u0644\u062a\u0633\u0648\u064a\u0629 \u0647\u0648 \u0642\u0633\u0637 \u0645\u062a\u063a\u064a\u0631 \u060c\u060c \u064a\u0639\u0646\u064a \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0641\u0639\u0644\u064a \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0633\u0646\u0629 \u064a\u062e\u062a\u0644\u0641 \u0639\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u0624\u0642\u062a \u0627\u0644\u0630\u064a \u062a\u062d\u0635\u0644\u0647 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u0633\u0646\u0629 \u060c\u060c \u062d\u062a\u0649 \u064a\u062a\u0646\u0627\u0633\u0628 \u0627\u0644\u0642\u0633\u0637 \u0645\u0639 \u0646\u0637\u0627\u0642 \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u062b\u0644 \u0642\u064a\u0645\u0629 \u0645\u062e\u0632\u0648\u0646 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0630\u0627\u062a \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a<\/p>\n

\u0634\u0631\u0637 \u0627\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0639\u0627\u0645\u0629 public authorities clause<\/span><\/p>\n

\u0634\u0631\u0637 \u064a\u063a\u0637\u064a \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0644\u0625\u0639\u0627\u062f\u0629 \u0628\u0646\u0627\u0621 \u0627\u0644\u0645\u0628\u0646\u0649 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0628\u0633\u0628\u0628 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0642\u0631\u0627\u0631\u0627\u062a \u0648\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0639\u0627\u0645\u0629<\/p>\n

\u0625\u063a\u0644\u0627\u0642 \u0627\u0644\u0639\u0645\u0644 \u0641\u064a \u0648\u062c\u0647 \u0627\u0644\u0639\u0627\u0645\u0644\u064a\u0646 Lock\u2013out<\/span><\/p>\n

\u0625\u063a\u0644\u0627\u0642 \u0627\u0644\u0639\u0645\u0644 \u0647\u0648 \u0625\u0642\u0641\u0627\u0644 \u0627\u0644\u0645\u0635\u0627\u0646\u0639 \u0623\u0648 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0628\u0648\u0627\u0633\u0637\u0629 \u0623\u0635\u062d\u0627\u0628\u0647\u0627 \u0641\u064a \u0648\u062c\u0647 \u0627\u0644\u0639\u0645\u0627\u0644 \u0648\u0645\u0646\u0639\u0647\u0645 \u0645\u0646 \u0627\u0644\u062f\u062e\u0648\u0644 \u0644\u0625\u0643\u0631\u0627\u0647\u0647\u0645 \u0639\u0644\u0649 \u0642\u0628\u0648\u0644 \u0634\u0631\u0648\u0637 \u0645\u0639\u064a\u0646\u0629 \u060c\u060c \u0623\u0648 \u0627\u0644\u062a\u0646\u0627\u0632\u0644 \u0639\u0646 \u0645\u0637\u0627\u0644\u0628 \u0645\u0639\u064a\u0646\u0629 \u060c\u060c \u0644\u0630\u0627 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0645 \u0627\u0644\u0639\u0645\u0627\u0644 \u0627\u0644\u0645\u0645\u0646\u0648\u0639\u064a\u0646 \u0645\u0646 \u0627\u0644\u062f\u062e\u0648\u0644 locked out workers<\/p>\n

\u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 coinsurance clause<\/span><\/p>\n

\u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 (\u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0635\u062d\u064a) \u064a\u062e\u062a\u0644\u0641 \u0639\u0646 \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 (\u0641\u064a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a) \u060c\u060c \u0634\u0631\u0637 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0635\u062d\u064a \u0647\u0648 \u0634\u0631\u0637 \u064a\u0646\u0635 \u0639\u0644\u0649 \u0623\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u062c\u0628 \u0623\u0646 \u064a\u062f\u0641\u0639 \u0646\u0633\u0628\u0629 \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0637\u0628\u064a\u0629 \u0627\u0644\u0645\u063a\u0637\u0627\u0629 \u0628\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u062a\u062d\u0645\u0644<\/p>\n

\u0625\u0639\u0627\u062f\u0629 \u0633\u0631\u064a\u0627\u0646 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u064a\u0627\u0629 Reinstatement of life insurance policies<\/span><\/p>\n

\u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u064a\u0627\u0629 \u062a\u0635\u0628\u062d \u0645\u0644\u063a\u0627\u0629 \u0623\u0648 \u0645\u062e\u0641\u0636\u0629 \u0627\u0639\u062a\u0628\u0627\u0631\u0627\u064b \u0645\u0646 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u062f\u0641\u0639 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u062f\u0648\u0631\u064a \u060c\u060c \u0641\u064a\u0636\u0637\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0625\u0644\u0649 \u062f\u0641\u0639 \u0627\u0644\u0642\u0633\u0637 \u0644\u064a\u0639\u064a\u062f \u0633\u0631\u064a\u0627\u0646\u0647\u0627 \u0627\u0639\u062a\u0628\u0627\u0631\u0627\u064b \u0645\u0646 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0625\u0644\u063a\u0627\u0621 \u0623\u0648 \u0627\u0644\u062a\u062e\u0641\u064a\u0636 \u0628\u0639\u062f \u0645\u0648\u0627\u0641\u0642\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u060c\u060c<\/p>\n

\u062f\u0641\u0639 \u0627\u0644\u0641\u0648\u0627\u0626\u062f payment of interest<\/span><\/p>\n

\u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0644\u0627 \u064a\u0633\u062a\u062d\u0642 \u0641\u0648\u0627\u0626\u062f \u0639\u0644\u0649 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u062d\u062a\u0649 \u0644\u0648 \u062a\u0623\u062e\u0631\u062a \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0634\u0647\u0648\u0631 \u0637\u0648\u064a\u0644\u0629 \u0641\u064a \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u060c\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u0637\u0627\u0644\u0628 \u0628\u0641\u0648\u0627\u0626\u062f \u0639\u0646\u062f\u0645\u0627 \u064a\u0628\u062f\u0623 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0642\u0636\u0627\u0626\u064a\u0629 \u0636\u062f \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0633\u0628\u0628 \u0625\u062e\u0644\u0627\u0644\u0647\u0627 \u0628\u0639\u0642\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/p>\n

\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u062c\u0627\u0645\u0644\u0629 (\u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0626\u064a) ex-gratia payment<\/span><\/p>\n

\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u062c\u0627\u0645\u0644\u0629 \u0647\u0648 \u062a\u0639\u0648\u064a\u0636 \u062a\u062f\u0641\u0639\u0647 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0625\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0628\u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0625\u0646\u0647\u0627 \u063a\u064a\u0631 \u0645\u0633\u0626\u0648\u0644\u0629 \u0645\u0646 \u0627\u0644\u0646\u0627\u062d\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0640\u0629 \u0648\u063a\u064a\u0631 \u0645\u0644\u0632\u0645\u0629 \u0642\u0627\u0646\u0648\u0646\u0627\u064b \u0639\u0646 \u062f\u0641\u0639 \u0647\u0630\u0627 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0630\u064a \u0644\u0627 \u064a\u0645\u0643\u0646 \u062a\u0646\u0641\u064a\u0630\u0647 \u0642\u0627\u0646\u0648\u0646\u0627\u064b \u060c\u060c \u0648\u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u0627\u0644\u0648\u0636\u0639 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a \u0641\u0625\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0642\u0648\u0645 \u0628\u062f\u0641\u0639 \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u062c\u0627\u0645\u0644\u0629 \u0644\u0644\u0623\u0633\u0628\u0627\u0628 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 :<\/p>\n

* \u0623\u0633\u0628\u0627\u0628 \u062a\u062c\u0627\u0631\u064a\u0629 : \u0643\u0631\u063a\u0628\u0629 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u062a\u062f\u0639\u064a\u0645 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0648\u0645\u0633\u0627\u0639\u062f\u062a\u0647 \u0644\u0643\u0628\u0631 \u062d\u062c\u0645 \u0623\u0639\u0645\u0627\u0644\u0647 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0623\u0648 \u0644\u0631\u063a\u0628\u062a\u0647\u0627 \u0641\u064a \u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639\u0647<\/p>\n

* \u0623\u0633\u0628\u0627\u0628 \u0641\u0646\u064a\u0629 : \u0645\u062b\u0644 \u0635\u0639\u0648\u0628\u0629 \u062a\u062d\u062f\u064a\u062f \u0633\u0628\u0628 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0623\u0635\u0644\u064a\u0629 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0647\u0644 \u0633\u0628\u0628 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0647\u0648 \u0627\u0644\u062d\u0631\u0628 \u0623\u0645 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0628\u062d\u0631\u064a\u0629\u2026\u0627\u0644\u062e<\/p>\n

\u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u062a\u062d\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0640\u064f\u0631\u0628\u0629 earth movement exclusion<\/span><\/p>\n

\u0627\u0633\u062a\u062b\u0646\u0627\u0621 \u062a\u062d\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0631\u0628\u0629 \u064a\u0631\u062f \u0641\u064a \u0648\u062b\u0627\u0626\u0642 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u062d\u062a\u0649 \u0648\u0644\u0648 \u0643\u0627\u0646\u062a \u0628\u0634\u0631\u0648\u0637 \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u060c\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0646 \u062a\u062d\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0631\u0628\u0629 \u064a\u0643\u0648\u0646 \u0645\u063a\u0637\u0649 \u0628\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u062a\u062d\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0631\u0628\u0629 \u0647\u0648 \u0645\u0635\u0637\u0644\u062d \u0639\u0627\u0645 \u064a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 \u0623\u062e\u0637\u0627\u0631 \u0639\u062f\u064a\u062f\u0629 \u0646\u0630\u0643\u0631 \u0645\u0646\u0647\u0627 \u0647\u0628\u0648\u0637 \u0627\u0644\u062a\u0631\u0628\u0629 \u0648\u062a\u0642\u0628\u0628 \u0627\u0644\u062a\u0631\u0628\u0629 \u0648\u0627\u0646\u0632\u0644\u0627\u0642 \u0627\u0644\u062a\u0631\u0628\u0629 \u0648\u0627\u0644\u0632\u0644\u0632\u0627\u0644 \u0648\u0627\u0644\u0628\u0631\u0643\u0627\u0646<\/p>\n

\u0647\u0628\u0648\u0637 \u0627\u0644\u062a\u0631\u0628\u0629 Subsidence \u0625\u0644\u0649 \u0623\u0633\u0641\u0644 \u064a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633\u0627\u062a \u0627\u0644\u0645\u0628\u0627\u0646\u064a \u0648\u0642\u062f \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0627\u0646\u0647\u064a\u0627\u0631\u0647\u0627 \u060c\u060c \u0648\u0644\u0630\u0644\u0643 \u0639\u0646\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0645\u0628\u0646\u0649 \u0636\u062f \u062e\u0637\u0631 \u0647\u0628\u0648\u0637 \u0627\u0644\u062a\u0631\u0628\u0629 \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u062c\u064a\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0648\u0642\u0639 \u0623\u0648 \u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u0645\u0639 \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0623\u064a \u0634\u0631\u0648\u062e \u0623\u0648 \u0623\u0636\u0631\u0627\u0631 \u0641\u064a \u0646\u0633\u064a\u062c \u0627\u0644\u0645\u0628\u0646\u0649 \u060c \u0645\u0639 \u062e\u0636\u0648\u0639 \u0647\u0630\u0627 \u0627\u0644\u0646\u0648\u0639 \u0645\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u062a\u062d\u0645\u0644 \u0625\u062c\u0628\u0627\u0631\u064a .<\/p>\n

\u0648\u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u0639\u0643\u0633\u064a\u0629 \u0644\u0647\u0628\u0648\u0637 \u0627\u0644\u062a\u0631\u0628\u0629 \u0647\u064a \u062a\u0642\u0628\u0628 \u0627\u0644\u062a\u0631\u0628\u0629 \u0625\u0644\u0649 \u0623\u0639\u0644\u0649 Ground heave<\/p>\n

\u0648\u0627\u0646\u0632\u0644\u0627\u0642 \u0627\u0644\u062a\u0631\u0628\u0629 Landslip \/ Landslide \u064a\u062d\u062f\u062b \u0641\u064a \u0627\u0644\u0623\u0631\u0627\u0636\u064a \u0627\u0644\u0645\u0646\u062d\u062f\u0631\u0629 \u0645\u0646 \u0623\u0639\u0644\u0649 \u0625\u0644\u0649 \u0623\u0633\u0641\u0644 \u0648\u0647\u0648 \u062a\u0632\u062d\u0644\u0642 \u0633\u0631\u064a\u0639 \u0628\u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u062c\u0627\u0630\u0628\u064a\u0629 \u0627\u0644\u0623\u0631\u0636\u064a\u0629 \u0644\u0644\u0643\u062a\u0644 \u0648\u0627\u0644\u0635\u062e\u0648\u0631 \u0648\u0627\u0644\u062a\u0631\u0627\u0628 \u0627\u0644\u0645\u062a\u0648\u0627\u062c\u062f\u0629 \u0639\u0644\u0649 \u0623\u0631\u0636 \u0645\u0646\u062d\u062f\u0631\u0629 \u0644\u062a\u0642\u0639 \u0639\u0644\u0649 \u0623\u0631\u0636 \u062a\u0648\u062c\u062f \u0639\u0644\u064a\u0647 \u0645\u0628\u0627\u0646\u064a<\/p>\n

\u0625\u0646 \u0627\u0631\u062a\u0641\u0627\u0639 \u0648\u0647\u0628\u0648\u0637 \u0648\u0627\u0646\u0632\u0644\u0627\u0642 \u0627\u0644\u062a\u0631\u0628\u0629 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0627\u0646\u0647\u064a\u0627\u0631 \u0627\u0644\u0623\u0633\u0627\u0633\u0627\u062a \u0644\u0644\u0645\u0628\u0627\u0646\u064a \u0623\u0648 \u062a\u0634\u0642\u0642 \u0627\u0644\u0645\u0628\u0627\u0646\u064a \u060c\u060c \u0648\u0628\u0639\u0636 \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u062a\u0633\u062a\u062b\u0646\u064a \u062e\u0637\u0631 \u062a\u062d\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0631\u0628\u0629 \u0648\u0644\u0627 \u064a\u062c\u0648\u0632 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u064a\u0647\u0627 \u0645\u0642\u0627\u0628\u0644 \u0642\u0633\u0637 \u0625\u0636\u0627\u0641\u064a \u0628\u064a\u0646\u0645\u0627 \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 \u062a\u0645\u062a\u062f \u0644\u062a\u063a\u0637\u064a \u0627\u0631\u062a\u0641\u0627\u0639 \u0648\u0647\u0628\u0648\u0637 \u0648\u0627\u0646\u0632\u0644\u0627\u0642 \u0627\u0644\u062a\u0631\u0628\u0629 \u0643\u0623\u062e\u0637\u0627\u0631 \u0625\u0636\u0627\u0641\u064a\u0629 \u0628\u0645\u0648\u062c\u0628 \u0645\u0644\u062d\u0642 \u0625\u0636\u0627\u0641\u0629 \u0639\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a.<\/p>\n

\u062e\u0637\u0631 \u063a\u064a\u0631 \u0642\u0627\u0628\u0644 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 uninsurable peril<\/span><\/p>\n

\u062e\u0637\u0631 \u0644\u0627 \u062a\u0642\u0628\u0644 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0623\u0645\u064a\u0646\u0647 \u0645\u062b\u0644 \u0627\u0644\u062d\u0631\u0628 \u0623\u0648 \u0627\u0644\u0641\u064a\u0636\u0627\u0646 \u0641\u064a \u0645\u0646\u0637\u0642\u0629 \u0645\u0634\u0647\u0648\u0631\u0629 \u0628\u062a\u0643\u0631\u0627\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646<\/p>\n

\u0636\u0631\u0631 (\u0627\u0644\u062a\u0644\u0641 \u0623\u0648 \u0627\u0644\u0647\u0644\u0627\u0643) DAMAGE<\/p>\n

\u062a\u0644\u0641 damage<\/p>\n

\u062a\u0639\u0648\u064a\u0636\u0627\u062a \u0642\u0627\u0646\u0648\u0646\u064a\u0629 damages<\/p>\n

\u0625\u062e\u0644\u0627\u0621 \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0643\u0627\u062a\u0628<\/span><\/p>\n

\u0647\u0630\u0627 \u0627\u0644\u0646\u0635 \u0644\u0627 \u064a\u0642\u062f\u0645 \u0623\u064a \u0627\u0633\u062a\u0634\u0627\u0631\u0629 \u0641\u0646\u064a\u0629 \u0623\u0648 \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u062e\u0627\u0635\u0629 \u060c\u060c \u0648\u0625\u0646\u0645\u0627 \u064a\u0642\u062f\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0639\u0627\u0645\u0629 \u0643\u062b\u0642\u0627\u0641\u0629 \u0639\u0627\u0645\u0629 \u0644\u0627 \u064a\u062a\u0631\u062a\u0628 \u0639\u0644\u064a\u0647\u0627 \u0623\u064a \u0639\u0644\u0627\u0642\u0629 \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0645\u0639 \u0627\u0644\u0642\u0627\u0631\u0626 \u060c\u060c \u0642\u062f \u062a\u062e\u062a\u0644\u0641 \u0641\u064a \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0645\u0646 \u0628\u0644\u062f \u0625\u0644\u0649 \u0628\u0644\u062f \u060c\u060c \u0648\u0642\u062f \u062a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u062e\u0637\u0623 \u0623\u0648 \u0633\u0647\u0648 \u060c\u060c \u0644\u0630\u0627 \u0646\u0648\u0635\u064a \u0627\u0644\u0642\u0627\u0631\u0626 \u0628\u0627\u0644\u0631\u062c\u0648\u0639 \u0625\u0644\u0649 \u0646\u0635\u0648\u0635 \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0648\u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0645\u0637\u0628\u0642 \u0641\u064a \u0628\u0644\u062f\u0647<\/p>\n

\u0628\u0642\u0644\u0645 \u0646\u0628\u064a\u0644 \u0645\u062d\u0645\u062f \u0645\u062e\u062a\u0627\u0631 \u0639\u0628\u062f \u0627\u0644\u0641\u062a\u0627\u062d<\/span><\/p>\n

\u0627\u0639\u0627\u062f\u0629 \u0646\u0634\u0631 \u0628\u0648\u0627\u0633\u0637\u0629 \u0645\u062d\u0627\u0645\u0627\u0629 \u0646\u062a .<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

\u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a 1 \u2013 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u062a\u0639\u0627\u0631\u064a\u0641 \u0623\u0633\u0627\u0633\u064a\u0629 2- \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a 3 \u2013 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062b\u0646\u0627\u0629 4 \u2013 \u0645\u0643\u0648\u0646\u0627\u062a \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 5 \u2013 \u0627\u0644\u0623\u063a\u0637\u064a\u0629 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0644\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u062e\u0627\u0635\u0629 6 \u2013 \u0627\u0644\u0623\u063a\u0637\u064a\u0629 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0644\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062a\u0628\u0639\u064a\u0629 \u0623\u0648 \u0627\u0644\u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629 7 \u2013 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0648\u0645\u0642\u064a\u0627\u0633 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 8 \u2013 \u0623\u0646\u0648\u0627\u0639 \u062e\u0627\u0635\u0629 \u0645\u0646 \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a 9 \u2013 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0628\u0627\u0646\u064a 10 […]<\/p>\n","protected":false},"author":8,"featured_media":136981,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[12706,2089,14097,4812],"class_list":["post-136980","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-6","tag-12706","tag-2089","tag-14097","tag-4812"],"views":1652,"_links":{"self":[{"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/posts\/136980","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/comments?post=136980"}],"version-history":[{"count":1,"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/posts\/136980\/revisions"}],"predecessor-version":[{"id":136982,"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/posts\/136980\/revisions\/136982"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/media\/136981"}],"wp:attachment":[{"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/media?parent=136980"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/categories?post=136980"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/tags?post=136980"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}