/ əˈkruː /

uzbierać (to increase in number or amount over a period of time)

/ əˈkwaɪə /

nabyć (to get or buy something)

/ ækts əv ˈɡɒd / / ˌækt əv ˈgɒd /

tu: siła wyższa (an uncontrollable force of nature)

/ ˈæktʃuəri /

specjalista/specjalistka od kalkulacji ryzyka (a person who calculates how likely accidents, such as fire, flood, or loss of property, are to happen)

/ ˈeɪdʒənts / / ˈeɪdʒənt /

agenci [agent/agentka] (a person who acts for or represents another)

/ əˈɡriːmənt /

porozumienie (a decision or arrangement, often formal and written, between two or more groups or people)

/ beə /

ponieść, wytrzymać (to accept, tolerate, or endure something, especially something unpleasant)

/ ˌbenɪˈfɪʃəriz / / ˌbenɪˈfɪʃəri /

beneficjenci [beneficjent/beneficjentka] (a person or group who receives money, advantages, etc. as a result of something else)

/ ˈbrəʊkəz / / ˈbrəʊkə /

pośrednicy [pośrednik/pośredniczka] (an intermediary between parties)

/ ˈtʃɑːdʒɪz / / tʃɑːdʒ /

opłaty [opłata] (an amount of money to be paid for something, especially a service or activity)

/ ˈkrɒnɪk ˈɪlnəs /

choroba przewlekła (a disease or condition that usually lasts for 3 months or longer and may get worse over time)

/ ˈsɜːkəmstənsɪz / / ˈsɜːkəmstəns /

okoliczności [okoliczność] (a fact or event that makes a situation the way it is)

/ kleɪm /

roszczenie (an official request for money to be paid out by the insurer to the insured, e.g. after an accident)

/ ˈkɒmpənseɪt /

wypłacić odszkodowanie (to pay someone money in exchange for something that has been lost or damaged or for some problem)

/ ˌkɒmprɪˈhensɪv /

pełny/pełna (complete and including everything that is necessary)

/ ˈkɜːtəsi kɑː /

samochód zastępczy (a car that you get from the insurance company when the one you own becomes damaged)

/ ˈkʌvəd əˈɡenst rɪsk / / ˈkʌvər əˈɡenst rɪsk /

obejmowany/obejmowana ubezpieczeniem, ubezpieczony/ubezpieczona przed ryzykiem [obejmować ubezpieczeniem, ubezpieczyć przed ryzykiem] (insured in case a given loss or damage occurs)

/ ˈdæmɪdʒ /

zniszczenia (harm or injury)

/ dɪsˈkləʊz /

ujawnić (to give secret, private, or personal information because you must do so for financial, insurance, or legal reasons)

/ faɪn /

kara pieniężna, grzywna (an amount of money that has to be paid as a punishment for not obeying a rule or law)

/ flʌd /

powódź (a large amount of water covering an area that is normally dry land)

/ ˈget ˌriːɪmˈbɜːst /

otrzymać odszkodowanie, otrzymać pokrycie kosztów (to receive back a sum lost or expended)

/ ˈheɪlstɔːm /

gradobicie (a suddenly heavy fall of hail)

/ ˈhaɪrɪsk dʒɒbz / / ˈhaɪrɪsk dʒɒb /

prace wysokiego ryzyka [praca wysokiego ryzyka] (a job that puts a person at a considerable risk)

/ ɪnˈkɜːd / / ɪnˈkɜː /

poniesione [ponieść] (to experience something, usually something unpleasant, as a result of actions you have taken)

/ ˈɪndʒəd / / ˈɪndʒə /

zraniony/zraniona [zranić] (become hurt)

/ ɪnˈʃɔːrəb(ə)l /

tu: podlegający/podlegająca ubezpieczeniu (possible to buy insurance for)

/ ɪnˈʃʊərəns ˈpɒləsi /

polisa ubezpieczeniowa (a written agreement for insurance between an insurance company and a person who wants insurance)

/ ɪnˈʃʊə /

ubezpieczyć (to protect yourself against risk by regularly paying a special company)

/ ɪnˈʃʊəd /

ubezpieczony/ubezpieczona (to be protected against risk by regularly paying a special company)

/ ɪnˈʃʊərə /

ubezpieczyciel (a company that protects you against risk)

/ ˌɪntəˈrʌpʃn̩ ˈkʌvərɪdʒ /

ochrona przed zakłóceniami (np. w firmie) (a form of insurance that covers lost income when, for example, your business temporarily closes due to a fire, natural disaster, or other covered incident)

/ ˌlaɪəˈbɪlɪti /

odpowiedzialność prawna (legal responsibility)

/ lʌɪf ɪnˈʃʊərəns /

ubezpieczenie na życie (insurance that pays out a sum of money either when the insured person dies or after a set period)

/ ˈlɒsɪz / / lɒs /

straty [strata] (a disadvantage caused by someone leaving or by something being taken away)

/ ləʊ rɪsk dʒɒbz / / ləʊ rɪsk dʒɒb /

prace niskiego ryzyka [praca niskiego ryzyka] (a job that does not put you at risk)

/ ˈnəʊ kleɪmz ˈbəʊnəs /

premia za brak roszczeń (a lower premium bonus received when the insurance owner does not make any claims over a period of time)

/ əˈkɜː /

wystąpić, zdarzyć się (to happen)

/ ˈpɑːtɪz / / ˈpɑːti /

tu: strony [strona] (one of the people or groups of people involved in an official argument, arrangement, or similar situation)

/ ˈpeɪ ˈaʊt /

wypłacić (to pay a lot of money to someone)

/ ˈpɒləsihəʊldə /

ubezpieczony/ubezpieczona (a person who is insured)

/ ˈpriːmɪəm /

składka ubezpieczeniowa (an amount of money paid to get insurance)

/ prəˈspektəs /

prospekt (a document giving details of an insurance)

/ ˌriːɪmˈbɜːst / / ˌriːɪmˈbɜːs /

zwrócił/zwróciła koszty [zwrócić koszty] (to pay back money to someone who has spent it for you or lost it because of you)

/ sɪˈvɪə faɪˈnænʃl̩ ˈhɑːdʃɪp /

poważny problem finansowy (a serious financial problem)

/ sɪˈvɪə faɪˈnænʃl̩ ˈhɑːdʃɪp /

drobny druk (text in a formal agreement that is printed smaller than the rest of the text, sometimes in the hope that it will not be noticed)

/ steɪt ˈkʌvə /

ochrona stanowa (medical insurance coverage guaranteed by the given state)

/ ˈsʌfəz ə lɒs / / ˈsʌfər ə lɒs /

ponosi straty [ponosić straty] (to have something [often money] taken from you)

/ səˈrendə ðə ˈpɒləsi /

zrezygnować z polisy (to not pay for the policy anymore)

/ ˈteɪk rɪsk /

podejmować ryzyko (proceed in the knowledge that there is a chance of something unpleasant occurring)

/ tɜːm /

okres (the fixed period of time that something lasts for)

/ θthetaɜ:d ˈpɑːti /

osoby trzecie (a third person or organisation less directly involved in a matter than the main people or organisations that are involved)

/ θthetaɜ:d pɑ:ti ˈkʌvə /

ochrona osób trzecich (ubezpieczenie od odpowiedzialności cywilnej) (the basic insurance cover that takes care only of third‑party damages)

/ trɪp ˌkænsəˈleɪʃn̩ /

anulowanie podróży (not making the trip happen)

/ ˌʌndəˈraɪtə /

poręczyciel (the company who is legally obliged to pay the insurance money out)

/ ˌʌnɪnˈʃʊərəbl̩ /

niepodlegający/niepodlegająca ubezpieczeniu (used to describe something that cannot be insured)

/ ˈwɪndskri:n ˈkʌvə /

ochrona przedniej szyby samochodowej (insurance that allows you to replace damaged windscreen glass without having to pay a large excess should it become cracked, chipped, or broken)