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प्रश्न
Stocks in a shop and godown worth ₹75,000 and ₹1,30,000 respectively were insured through an agent who receives 15% of premium as commission. If the shop was insured for 80% and godown for 60% of the value, find the amount of agent’s commission when the premium was 0.80% less 20%. If the entire stock in the shop and 20% stock in the godown is destroyed by fire, find the amount that can be claimed under the policy.
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उत्तर
Rate of premium = 0.80% less 20%
= 0.80 – 20% × 0.80
= 0.80 – 0.16
= 0.64%
∵ Property value = ₹75,000
∴ Policy value = 80% × 75,000 = ₹60,000
Premium = 0.64% × 60,000 = ₹384
Loss = ₹ 75,000
Claim = `"Policy value"/"Property value"xxLoss`
`60000/75000 xx 75000`
₹60,000
For Godown
Property value = ₹1,30,000
Policy value = 60% × 1,30,000 = ₹78,000
Premium = 0.64% × 78,000 = ₹499.2
Loss = 20% × 1,30,000 = ₹26,000
Claim = `"Policy value"/"Property value"xxLoss`
`78000/130000 xx 26000`
= ₹15,600
Total claim = 16,600 + 60,000 = ₹75,600
∵ Rate of commission = 15%
∴ Agent commission = 15% × [384 + 499.2]
= 15% × 883.2
= ₹132.48
