Tavaliselt määratakse kindlustussumma iga kindlustatud eseme kohta.
Nii on nt sõidukikindlustuse puhul kindlustatud esemeks auto, kuivõrd kindlustatud on autoga seotud kindlustusriski, nagu nt auto varguse või auto kahjustamise oht avariisse sattumise korral.
Kindlustatud ese ehk kindlustusobjekt on nt kindlustatud isiku elu ja tervis või kindlustatud isikule kuuluv asi, kindlustatu vastutus või kulu, mille suhtes kindlustusleping sõlmiti
An insurance undertaking which has obtained an authorisation for a principal risk belonging to one class or a group of classes as set out in Annex I may also insure risks included in another class without the need to obtain authorisation in respect of such risks provided that the risks fulfil all the following conditions: (a) they are connected with the principal risk; (b) they concern the object which is covered against the principal risk; and (c) they are covered by the contract insuring the principal risk.
A wear and tear exclusion is a provision of an insurance contract that states that the normal, expected deterioration of the insured object will not be covered by the insurance policy.
the policy, containing the following information if relevant: ... (d) the subject matter of the insurance and the risks covered ; (e) the sum insured and any deductibles; (f) the amount of the premium and the method of calculating it; (g) when the premium falls due as well as the place and mode of payment; (h) the contract period, including the method of terminating the contract, and the liability period; …
Where the subject-matter insured is destroyed, or so damaged as to cease to be a thing of the kind insured, or where the assured is irretrievably deprived thereof, there is an actual total loss.
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