Lesson Notes By Weeks and Term - Senior Secondary 2
Burglary insurance II
Burglary insurance II
Term – 1st Term
Week: 6
Class: Senior Secondary School 2
Age: 16 years
Duration: 40 minutes of 2 periods each
Date:
Subject: Insurance
Topic:- Burglary insurance II
SPECIFIC OBJECTIVES: At the end of the lesson, pupils should be able to
INSTRUCTIONAL TECHNIQUES: Identification, explanation, questions and answers, demonstration, videos from source
INSTRUCTIONAL MATERIALS: Videos, loud speaker, textbook, pictures
INSTRUCTIONAL PROCEDURES
PERIOD 1-2
|
PRESENTATION |
TEACHER’S ACTIVITY |
STUDENT’S ACTIVITY |
|
STEP 1 INTRODUCTION |
The teacher reviews the previous lesson on burglary insurance |
Students pay attention |
|
STEP 2 EXPLANATION |
He distinguishes between theft insurance and burglary insurance. He discusses how burglary insurance is arranged under business or private premises
|
Students pay attention and participates |
|
STEP 3 DEMONSTRATION |
He states the exclusions in burglary insurance |
Students pay attention and participate |
|
STEP 4 NOTE TAKING |
The teacher writes a summarized note on the board |
The students copy the note in their books |
NOTE
BURGLARY INSURANCE
Differences between theft and burglary
|
|
Burglary |
Theft |
|
1 |
It involves a break-in through violent or forcible means. |
It involves taking someone’s property but does not require the use of force. |
|
2 |
Burglary focuses more on entering and remaining on properties unlawfully in order to steal property from it/commit a crime. |
Theft occurs when someone intentionally takes and carries away, uses, transfers, conceals, or retains possession of movable property of another without the other’s consent |
HOW BURGLARY INSURANCE IS ARRANGED UNDER BUSINESS OR
PRIVATE PREMISES
The forcible and violent breaking into the premises or out of the premises of
the insured is the keyword to determine whether a loss is insured or it is an
exempted peril (excluding losses due to dishonesty of the employees or
members of the insured household or by trick or by a key whether original
or duplicate).
EXCLUSIONS IN BURGLARY INSURANCE
a. Precious gems, jewellery, designs, business plans, among others unless
they are specifically covered.
b. If the insured property is left deserted for a continuous period of 7 days
and 7 nights or more.
c. Damages due to nuclear bombs or weapons, war, invasion,
nationalisation, confiscation by government authorities, strikes, commotion,
riots, and so on.
d. If the insured‘s family member or a staff of the insured was involved in
the burglary.
e. If the insured property undergoes alterations that increase the inherent
risk.
f. If the ownership rights of the asset have been transferred through a will
or any legal provision.
g. Shoplifting done by the policyholder or his/her family members.
h. Items stolen using duplicate keys of safe or lockers unless they are done
forcibly using violence or by threat.
i. Losses or damages that are covered under other insurance policies such
as fire, glass, marine, plate, and so on.
PREVENTIVE MEASURES THAT CAN REDUCE THE COST OF
PREMIUM IN THEFT/BURGLARY INSURANCE
a. Installation of safety devices
b. Theft alarm can be installed at the premises to get avail discount on the
theft insurance premium.
c. Installation of fencing
d. Installation of CCTV cameras
EVALUATION: 1. State two differences between theft insurance and burglary insurance
CLASSWORK: As in evaluation
CONCLUSION: The teacher commends the students positively