L’équivalence de garanties...

English translation: equivalent coverage

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
French term or phrase:L’équivalence de garanties...
English translation:equivalent coverage
Entered by: Tendesai Bakasa

17:01 Nov 16, 2019
French to English translations [PRO]
Bus/Financial - Insurance
French term or phrase: L’équivalence de garanties...
Hi Everyone,

I'd appreciate any help you can give with translating this phrase. Unfortunately, I can't offer a specific context because the project involves translating decontextualised phrases on a variety of topics from different websites. Having done some research, I believe it's an insurance term and I understand what it means in French but I'm not sure how to translate it into English. Is there an equivalent English term? The entire phrase is as follows:

L’équivalence de garanties et la nécessité de comparer les offres d’assurance

Thank you for your help! :)
Tendesai Bakasa
United Kingdom
Local time: 09:47
equivalent coverage
Explanation:

We have no information about the type of insurance your text refers to, but in France at least, équivalence de garanties would be required by the bank lending you money to buy a property if you decide to take out an insurance policy from someone else than your bank. See here for instance: https://www.argusdelassurance.com/institutions/assurance-emp...

So low confidence level since we don't really know the type of insurance discussed by your text, plus I can't find any example in English that would be relevant to loan insurance, but “equivalent coverage” seems to be used in other insurance classes, in North America anyway.

Examples:

Section 12 AAC 02.530 - [Effective 11/28/2019] Standards for equivalent coverage
An insurer issuing equivalent coverage under AS 08.88.172(c)(2) shall hold a certificate of authority issued unde... All activities contemplated under AS 08.88.172 must be covered. The insurance must meet the minimum coverage standards of... and..., except that
(1) a policy with a higher deductible amount or self-insured retention will qualify as equivalent coverage for purposes of …
https://casetext.com/regulation/alaska-administrative-code/t...

Note: You must have Canadian provincial health-care coverage or equivalent coverage to make travel claims.
(http://www.studentcare.ca/rte/en/McGillUniversitygraduatestu...

"Equivalent coverage" means coverage obtained independently of the group plan available from the commission and subject to the terms and conditions as set forth in this chapter.
https://www.legis.nd.gov/information/acdata/pdf/70-02-05.pdf

It is mandatory that you have the OHIP Equivalent coverage while you are studying in Canada at the University of Windsor.
http://www.uwindsor.ca/international-student-centre/261/basi...


--------------------------------------------------
Note added at 1 day 2 hrs (2019-11-17 19:32:04 GMT)
--------------------------------------------------


I've looked at this again after your note and AllegroTrans's peer comment. I have been able to find examples of "equivalent cover" in UK insurance text - not sure why they didn't appear during my initial search:

"offering GPs the equivalent cover that our hospital colleagues have enjoyed for a generation"
https://www.bma.org.uk/collective-voice/committees/general-p...

"Clergy should, however, check before purchasing this policy whether they have equivalent cover under any other legal expenses insurance policy."
https://www.ecclesiastical.com/church/clergy-legal-protectio...

"In our view, this is a ‘no brainer’ insurance solution which provides quality and equivalent cover, or improved cover"
https://www.bestpricefs.co.uk/blog/motor-excess-protection-c...

etc.



--------------------------------------------------
Note added at 1 day 2 hrs (2019-11-17 19:41:02 GMT)
--------------------------------------------------


... UK insurance texts...
Selected response from:

Ph_B (X)
France
Local time: 10:47
Grading comment
Thank you so much! I really appreciate your help!
4 KudoZ points were awarded for this answer



Summary of answers provided
4 +3equivalence of cover
philgoddard
3 +2equivalent coverage
Ph_B (X)


  

Answers


45 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +3
equivalence of cover


Explanation:
Garantie means cover in an insurance context.
http://www.wordreference.com/fren/garantie

philgoddard
United States
Does not meet criteria
Specializes in field
Native speaker of: English
PRO pts in category: 129
Notes to answerer
Asker: Hi, Thank you very much for your help! I wondered if I could just say something like that but insurance is not one of my areas of specialism and I had no idea if 'equivalence of cover(age)' was the appropriate expression in English. I've never come across the concept in Britain.


Peer comments on this answer (and responses from the answerer)
agree  AllegroTrans: The only thing I can think of, but hey...translating translating decontextualised phrases on a variety of topics from different websites, how reliable is that?
57 mins
  -> Thanks. Actually, for once I think we have enough context.

agree  Timothy Rake: Equivalence of (in) “coverage” I think is more appropriate
4 hrs

agree  B D Finch: Cover sounds better to me than "coverage". I associate "coverage" with paint rather than insurance.
1 day 1 hr
Login to enter a peer comment (or grade)

2 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): +2
équivalence de garanties
equivalent coverage


Explanation:

We have no information about the type of insurance your text refers to, but in France at least, équivalence de garanties would be required by the bank lending you money to buy a property if you decide to take out an insurance policy from someone else than your bank. See here for instance: https://www.argusdelassurance.com/institutions/assurance-emp...

So low confidence level since we don't really know the type of insurance discussed by your text, plus I can't find any example in English that would be relevant to loan insurance, but “equivalent coverage” seems to be used in other insurance classes, in North America anyway.

Examples:

Section 12 AAC 02.530 - [Effective 11/28/2019] Standards for equivalent coverage
An insurer issuing equivalent coverage under AS 08.88.172(c)(2) shall hold a certificate of authority issued unde... All activities contemplated under AS 08.88.172 must be covered. The insurance must meet the minimum coverage standards of... and..., except that
(1) a policy with a higher deductible amount or self-insured retention will qualify as equivalent coverage for purposes of …
https://casetext.com/regulation/alaska-administrative-code/t...

Note: You must have Canadian provincial health-care coverage or equivalent coverage to make travel claims.
(http://www.studentcare.ca/rte/en/McGillUniversitygraduatestu...

"Equivalent coverage" means coverage obtained independently of the group plan available from the commission and subject to the terms and conditions as set forth in this chapter.
https://www.legis.nd.gov/information/acdata/pdf/70-02-05.pdf

It is mandatory that you have the OHIP Equivalent coverage while you are studying in Canada at the University of Windsor.
http://www.uwindsor.ca/international-student-centre/261/basi...


--------------------------------------------------
Note added at 1 day 2 hrs (2019-11-17 19:32:04 GMT)
--------------------------------------------------


I've looked at this again after your note and AllegroTrans's peer comment. I have been able to find examples of "equivalent cover" in UK insurance text - not sure why they didn't appear during my initial search:

"offering GPs the equivalent cover that our hospital colleagues have enjoyed for a generation"
https://www.bma.org.uk/collective-voice/committees/general-p...

"Clergy should, however, check before purchasing this policy whether they have equivalent cover under any other legal expenses insurance policy."
https://www.ecclesiastical.com/church/clergy-legal-protectio...

"In our view, this is a ‘no brainer’ insurance solution which provides quality and equivalent cover, or improved cover"
https://www.bestpricefs.co.uk/blog/motor-excess-protection-c...

etc.



--------------------------------------------------
Note added at 1 day 2 hrs (2019-11-17 19:41:02 GMT)
--------------------------------------------------


... UK insurance texts...

Ph_B (X)
France
Local time: 10:47
Does not meet criteria
Specializes in field
Native speaker of: French
PRO pts in category: 28
Grading comment
Thank you so much! I really appreciate your help!
Notes to answerer
Asker: Hi, Thank you so much! This is brilliant. From the examples you've given me, it seems the concept exists in North America but I've never come across it in the UK before. Now at least I know there's an official term for it (in North America). Thank you.

Asker: Thank you very much for both the UK and US examples. I think I'll go with the US term because the agency suggested they'll probably opt for US English at the proofreading stage. Thanks again!


Peer comments on this answer (and responses from the answerer)
agree  AllegroTrans: Yes, but "cover" for UK English
5 hrs
  -> I wondered about this and found only one UK example (Scottish tender), so decided to use only N A examples./Looked at this again after your peer comment and finally found some UK examples with "equivalent cover".

agree  Yvonne Gallagher: equivalent cover as AT says
22 hrs
  -> Thanks, Yvonne/Indeed - I've now added new examples.

neutral  B D Finch: In this case, I think it must be "equivalence", not "equivalent". Also, in the UK, coverage is associated with paint.
23 hrs
  -> See comment to AllegroTrans and examples./I've added new examples.
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