Crossword in the Insurance

1. A peril is the cause of damage, such as earthquakes, flooding, storm or fire.
3. An agreement between two or more people to do (or not to do) something. The agreement can be enforced by law.
7. Someone who is owed money.
9. The amount before costs are deducted.
10. An arrangement where an insurance policy is shared by more than one insurer.
12. This is when someone promises to pay for loss or damage they cause someone else.
13. An added amount or payment on top of what you would usually expect to receive as a result of high levels of performance.
14. A document describing the details of the cover you have from the information you have supplied to your insurer.
16. This is additional cover added to an existing policy.
18. Money paid by an insurer when a claim is accepted.

2. The price (or premium) of insurance.
4. Repayment of money to a consumer for a cost that is actually covered by the insurance policy.
5. When someone buys cover for more than the value of the items insured.
6. A certificate which gives the person holding it the right to buy shares at a given price.
7. The amount of money you get if you cash in an investment.
8. The person who is applying for cover.
11. A policy that covers two people and pays out when the first person dies.
15. The amount to be paid by a customer for an agreed amount of insurance cover.
17. An event or outcome that you can insure yourself against such as fire, theft, flooding.