{"id":2319,"date":"2025-06-26T08:04:32","date_gmt":"2025-06-26T08:04:32","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?p=2319"},"modified":"2025-10-18T10:23:29","modified_gmt":"2025-10-18T08:23:29","slug":"proportional-rule","status":"publish","type":"post","link":"https:\/\/lawebdeseguros.com\/en\/proportional-rule\/","title":{"rendered":"Proportional Rule applied in insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/proportional-rule\/#%C2%BFQue_es_la_regla_proporcional\" >What is the proportional rule?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/proportional-rule\/#Aplicacion_de_la_regla_y_ejemplo\" >Application of the rule and example<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_la_regla_proporcional\"><\/span>What is the proportional rule?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>As important as it is to take out insurance, it is just as important, if not more so, that it provides for the correct values of the risk to be insured.<\/p>\n<p>Otherwise, if the insured sum turns out to be lower than the real value of the insured interest, when a claim occurs, the insurer can use and apply the proportional rule to determine the real compensation that corresponds to him.<\/p>\n<p>The proportional rule is a simple mathematical operation applied by insurers to correct insured capital shortfalls.<\/p>\n<p><!-- IMAGEN 1: pizarra2.jpg --><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img decoding=\"async\" width=\"925\" height=\"100\" src=\"https:\/\/lawebdeseguros.com\/wp-content\/uploads\/2025\/06\/REGLA-PROPORCIONAL.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"Proportional Rule applied in insurance\" title=\"PROPORTIONAL-RULE\" srcset=\"https:\/\/lawebdeseguros.com\/wp-content\/uploads\/2025\/06\/REGLA-PROPORCIONAL.jpg 925w, https:\/\/lawebdeseguros.com\/wp-content\/uploads\/2025\/06\/REGLA-PROPORCIONAL-300x32.jpg 300w, https:\/\/lawebdeseguros.com\/wp-content\/uploads\/2025\/06\/REGLA-PROPORCIONAL-768x83.jpg 768w\" sizes=\"(max-width: 925px) 100vw, 925px\"  data-dt-location=\"https:\/\/lawebdeseguros.com\/en\/proportional-rule\/regla-proporcional-2\/\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>This is set out in the <a href=\"https:\/\/www.boe.es\/buscar\/doc.php?id=BOE-A-1980-22501\" target=\"_blank\" rel=\"noopener\">Law 50\/1980, of 8 October 1980, on Insurance Contracts<\/a>.<\/p>\n<p>It also states that the parties (the Insurer and the Insured) may, by mutual agreement, exclude its application in the contract.<\/p>\n<p>To avoid this, there are also insurance formulas, such as first-risk or estimated value insurance.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h2><span class=\"ez-toc-section\" id=\"Aplicacion_de_la_regla_y_ejemplo\"><\/span>Application of the rule and example<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The formula applied in these cases is as follows:<\/p>\n<p><!-- IMAGEN 2: REGLA-PROPORCIONAL.png -->And there is nothing better than to give an example to understand its application and result.<\/p>\n<p>Imagine that you have taken out a home insurance policy with a content capital of \u20ac15,000, and a fire breaks out. The loss adjuster assesses the damage at \u20ac6,000, but also calculates and indicates that the real value of the contents you own is \u20ac30,000.<\/p>\n<p>Logically, in this case, a capital sum lower than the real value of its assets would have been contracted, thus producing what is technically known as underinsurance.<\/p>\n<p>This would cause the insurer to calculate the value of the indemnity that would be due to it as follows:<\/p>\n<p><!-- IMAGEN 3: RESULTADO-REGLA-PROPORCIONAL.png --><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img decoding=\"async\" width=\"1024\" height=\"189\" src=\"https:\/\/lawebdeseguros.com\/wp-content\/uploads\/2025\/06\/RESULTADO-REGLA-PROPORCIONAL-1024x189-1.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"Proportional Rule applied in insurance\" title=\"RESULT-REGLA-PROPORTIONAL-1024x189\" srcset=\"https:\/\/lawebdeseguros.com\/wp-content\/uploads\/2025\/06\/RESULTADO-REGLA-PROPORCIONAL-1024x189-1.jpg 1024w, https:\/\/lawebdeseguros.com\/wp-content\/uploads\/2025\/06\/RESULTADO-REGLA-PROPORCIONAL-1024x189-1-300x55.jpg 300w, https:\/\/lawebdeseguros.com\/wp-content\/uploads\/2025\/06\/RESULTADO-REGLA-PROPORCIONAL-1024x189-1-768x142.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\"  data-dt-location=\"https:\/\/lawebdeseguros.com\/en\/proportional-rule\/resultado-regla-proporcional-1024x189\/\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>The result in this case is that, instead of receiving compensation of \u20ac6,000, he would receive exactly half that amount: \u20ac3,000, causing him a considerable economic loss but <u>justified<\/u>.<\/p>\n<p>Surely, the difference in premium resulting from your policy if you had correctly insured the \u20ac30,000 of contents would only have meant an increase of around \u20ac25 or \u20ac30 per year. Therefore, our advice is to review and correctly assess the capital and guarantees contracted in all your insurance policies, before a case similar to the one described above occurs.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>The proportional rule reduces the compensation if the sum insured is less than the actual value of the property. It is applied in case of underinsurance, affecting the insured financially after a loss.<\/p>","protected":false},"author":2,"featured_media":2320,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[20],"tags":[],"class_list":["post-2319","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-terminos-frecuentes","category-20","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts\/2319","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=2319"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts\/2319\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/2320"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=2319"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=2319"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/tags?post=2319"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}