The Sun.
London, England, 1851-05-21 00:00:00

Parma-
" • Annual iPollcy. Bonus in
' nent Re-
Age. ~,, , Pre- taken addition Borman duction of
; g 'Mum. ant in to Sum Cask. Annual
z
_ _.— Amtired. Premium.
X s. d. X s d. X s. d.
i 1837 292 6 9 139 16 9 22 13 1
1838 267 11 4 126 17 2 19 19 7
1839 241 18 6 113 17 7 17 8 8
£ A;s.d. , 1840 193 12 6 93 16 8 14 010
60 1000 74 3 4 1841 189 12 6 89 510 13 tll
1842 162 16 8 76 18 4 11 8 3
1843 115 10 10 55 10 10 8 110
1844 77 19 2 38 15 10 IS 9 11
1845 , 66 15 0 44 10 0 410 1

Extensive Travelling Leave granted without extra Premium
Moderate extra Premium for Residence in Tropical Climate&

EQUITABLE FIRE OFFICE.
Capital-500 0007

(Incorporated under 7 and 'S
Vict., cap. 110.)
The leading principles of this Office ara—Moderate and equitable
Rates of Premium for each class of risk—Annual division of Profits.
The difficulty of collecting the elements on which to proportion
Premium to risk in Insurance against Loss by Fire has been so
great, that the rates at present charged are more the result of guess
than calculation.

It has been found by experience, that the total annual losses of the
different Established Companies have not been proportionate to the
amemit of annual Premiums received by each.
It is of the highest importance, both to the Insured and Insurers,
that such an anomaly should cease, and an approximation to the
true risk be made. To secure this object the Equitable Fire Insu-
rance Company is established.
The true rate of Premium for Fire Insurance can only be ap-
proached through Classification and Average, which has net hitherto
been sufficiently acted on, or systematically applied.
Whatever be the nominal rate, the bonus or return periodically to
the Insured will determine the trae Premium equitably payable, as
security against loss for so great a calamity as fire, and the Insurer
is largely interested in this question, and will consult his interest by
supporting a system where, by a careful combination of Classifica-
tion and Average, the Premium will be proportioned to the risk.
The Equitable Fire Ofce will, by a constant analysis of its own
experience, from time to time, adopt such rates of Premium as the
nature of the risk may justify, and will decline to enter into arrange-
ments as regards tariffs with other offices.
With this view an annual investigation will be made into each
class of risk, and a return of one moiety, or flay per cent. of the nett
excess will be made to all classes of Insurers whose Policies have
been in force for three years.
Insurances against Loss by Fire are effected by this Company upon
every description of Property on moderate terms.
Farming Stock insured at 3s. per cent, without the Average Clanse.
Prospectuses, and every information may be obtained, on applica-
tion at the Office, or to any of its Agents.

t Natimnal Loan Fund Life Assurance Society.
* Equitable Fire
f* Both Offices.

INSURANCE AGAINST RAILWAY ACCI
DENTS.-GREAT EXHIBITION EXCURSION TRIPS.

The Directors of the RAILWAY PASSENGERS' ASSURAtiCE
COMPANY have made arrangements for the issue of EXCURSION
TICKETS, to cover the risk of the journey both ways, irrespective of
distance, in Excursions to or from London. These tickets insure
2001., payable to the executors or next of kin in the event of death,
with proportionate compensation in cases of personal injury by rail-
way accident, at a premium of Twopence, and are available for any
class carriage.

The Periodical Tickets of this Company cover the risk of Excursion
Trips, as well as travelling by the ordinary Passenger Trains, asd
insure 1,0001. at an annual premium of 20s.

2001.

These tickets are all obtainable at the Company's Offices, 3, Old
Broad-street, London ; and the Excursion Tickets will likewise be
issued by the Company's Agents in the principal towns throughout
the country, where Excursion Trips may be determined on.
The distinctive features of this Company are :-
1. It is empowered by special Act of Parliament, 12 and 13 Vic-
toria, cap. 40. _ .

2. It has a subscribed capital of one million sterling, as a guarantee
to the assured. _ _ _ _ _ _

3. In the premium charged the stamp duty is included, which is
paid to Government by the Company.
In these respects it is peculiar, and distinguished from any existing
Railway Assurance Company.
ALEXANDER BEATTIE, Secretary.
3, Old Broad•etreet, April 22, 1851.