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Established 1906
ENGINEERING NEWS
The Newspaper of The Institution of Engineers, Sri Lanka Vol. 48, No 02, March/April 2013
Registered at the GPO as a Newspaper No. QD/24 /NEWS/2013
The following article was first published in 'The Sunday Times' of 31st March 2013.
PRESIDENTS CORNER
istory was made with the inauguration of the first ever IESL District Centre in Kegalle on 9 th March 2013 and the holding of the Professional Review Examinations Part B for the first time in the provinces on 19th March 2013. Both measures are in line with the promises I made in my inaugural speech of bringing IESL to its membership. I also had the privilege of ceremonially unveiling the proposed site for the IESL Northern Provincial Centre building in Kilinochchi on 29th March 2013.The event was attended by Hon.M. Chandrakumar, MP, Jaffna District, Mrs R. Kethieeswaran Government Agent for Kilinochchi, Prof. N. Kandasamy Coordinator for the Engineering Faculty of the University of Jaffna, Mr. S.Nageswaran Divisional Secretary among more than 50 guests. I congratulate the Chairman, Executive Committee of the IESL NPC, Eng. Suntharakumar, upon whose request the land was allocated by the government. It comes at a critical time when the Engineering Faculty of the University of Jaffna is being established at Killinochchi and demand for professional service by engineering academics and students at the faculty are expected to add to that by practicing engineers in the province. The land has been fenced and access road built through a Building Fund established by the Executive Committee of the IESL NPC on a proposal made by Eng. S. Ruthralingam. On the national front I am pleased to have enabled the IESL to share the limelight of the opening of the 1st phase of the Mahinda Rajapakse International Airport at Mattala by participating in a media interview on the subject and based on which articles of prominence were published in national newspapers coinciding with the opening of the facility by His Excellency, President Mahinda Rajapakse. Sri Lankas second gateway to the world, the airport is expected to open up new opportunities for the countrys aviation industry, business, trade and tourism sector. Together with the International Cricket Stadium, Convention Centre, Harbor, emerging Economic Zone and International IT Park it's expected to make the region prosper. At the International level a delegation of the Institutions of Machanical Engeneers (IMech E), led by its President, Prof. Isobel Pollock paid a courtesy call at the IESL and held discussion on areas of mutual interest. I am pleased to have inked a sponsorship agreement with a private sector company in support of the Junior Inventor of the Year (JIY) Programme of the IESL. The finances required to successfully conduct this years competitions that encourage creativity and innovation among school children are expected to be partly met by this sponsorship. The IESL JIY is affiliated to the Intel International Science and Engineering Fair (Intel ISEF), the worlds largest pre-college celebration of science and engineering. Several IESL JIY winners of the past years have had the opportunity to participate in the Intel ISEF held each year in the United States of America and win prestigious awards. At a more personal level I would like to highlight the plight of the final year undergraduate of the University of Moratuwa, Roshan Seneviratne who was severely injured during the incident that occurred at the university premises on 16th The Institution of Engineers January 2013. Doctors treating Sri Lanka him had recommended surgery to insert a Titanium plate to his 120/15, Wijerama Mawatha, fore head. This surgery will cost Colombo 7, Sri Lanka. about Rs.800, 000 (eight hundred thousand rupees). Tel: 2685490, 2698426, 2699210 Fulfilling its duty towards the Fax: 2699202 engineering community and E.mail: ed@sltnet.lk / iesl@slt.lk future engineers, IESL stepped Website: http://www.iesl.lk forward to support the fund raiser with a donation of Rs.100, 000. However more needs to be In this Issue done and I take this opportunity to appeal to the engineering Get To Know the IESL. community to extend their Provincial Chairmen...............3 support. Details are found in the Editorial..................................4 special appeal published Unsafe Bridge in elsewhere in this issue.
Talawakelle............................5
he Chartered Engineering body in Sri Lanka, The Institution of Engineers Sri Lanka (IESL) is the representing body of all the Engineering disciplines in Sri Lanka. The Institution operates from its headquarters in Colombo while providing the engineering related professional, social and other services through provincial centers located in the main President IESL, Eng. Tilak De Silva,addressing districts in all the other the audience. provinces. In order to further improve these activities & services provided by IESL, all the Engineers in both public and private sectors and those engineers residing in Kegalle, organized to establish a District Centre of IESL in Kegalle with the support and blessings of the Sabaragamuwa Provincial Center and the headquarters of IESL. Forming District Centres is a concept of Eng. Tilak de Silva, the President of IESL. Contd. on page 10...
THE INSTITUTION OF ENGINEERS, SRI LANKA Celebrating outstanding achievements and accomplishments in the practice of Engineering
Award Categories:
1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Eminence in Engineering Award Excellence in Engineering Awards for Individuals Excellence in Engineering Awards for Organizations Engineering Entrepreneur Award Award for Excellence in Engineering Journalism Young Chartered Engineer Awards Chartered Engineer Awards Social Responsibilities and Environment Award Engineering Heritage Award Outstanding Engineering Education Award
Visit website: www.iesl.lk or Call: 2698426 Ext. 232, E-mail :dir.pub@iesl.lk CLOSING DATE FOR NOMINATIONS / APPLICATIONS:28th JUNE 2013
Nomination/Application forms should be returned under sealed cover with the name of the Award marked at the top left hand corner of the envelope, by registered post to: Executive Secretary The Institution Engineers, Sri Lanka 120/15, Wijerama Mawatha, Colombo -07
Dates
D J Wimalasurendra
Memorial Lecture
Tuesday - September 17, 2013 FridaySunday October 11-13, 2013 Tuesday- October 15, 2013, Saturday - October 18, 2013 Sunday - October 20, 2013 Monday -Wednesday, October 21-23, 2013 Thursday -October 24, 2013
Presentation of
Technical Papers by Young Members
Dr. A N S Kulasinghe
Memorial Lecture
Friday -October 25, 2013 Saturday -October 26, 2013 Friday-November 01, 2013
Annual General
Meeting
Techno Awards
Ceremony Note:
Associate Members who wish to apply for the Professional Review, are strongly advised to attend all Memorial Lectures and keep a record of the attendance for any future reference.
INVITATION TO CONSULTANTS
Consequent to receiving several requests from members of the Institution, the Council has decided to prepare Conditions of Contract for engineering projects. It is proposed to prepare a series of contract documents and specifications that can be used in different types of engineering projects. This type of documents is presently not available for reference by the construction industry. The preparation of the documents referred to above is expected to be completed within three months and members who are willing to serve in the panels that will prepare the documents concerned are kindly requested to apply for same. All discussions and meetings related to this work will beheld at the headquarters of the Institution and the members who re appointed to serve in these panels will be required at short notice to attend all such discussions and meetings that will be held at frequent intervals. Please forward your application to the Executive Secretary with the words APPLICATION - CONSULTANTS FOR THE PREPARATION OF SPECIFICATIONS marked on the top right hand corner of the envelope containing the application.
Subject
Essence
Leader
Change Leading people Followers Long-term Vision Sets direction Facilitates Personal charisma Heart Passion Shapes Proactive Takes Breaks Uses New roads Seeks What is right Gives Takes
Manager
Stability Managing work Subordinates Short-term Objectives Plans detail Makes Formal authority Head Control Enacts Reactive Minimizes Makes Avoids Existing roads Establishes Being right Takes Blames
Focus Have Horizon Seeks Approach Decision Power Appeal to Energy Culture Dynamic Risk Rules Conflict Direction Truth Concern Credit Blame
things right; the leader does the right thing. Another influential thinker who has written on the distinction between management and leadership has been Harvard Prof John Kotter, an electrical engineering graduate from MIT who authored the book What Leaders Really Do. John Kotter makes the following observations: Leadership and management are two distinctive and complementary systems of action. Both are necessary for success in an increasingly complex and volatile business environment. Most U.S. corporations today are over managed and under led. Strong leadership with weak management is no better, and is sometimes actually worse, than the reverse. Management is about coping with complexity. Without good management, complex enterprises tend to become chaotic Good management brings a degree of order and consistency. Leadership, by contrast, is about coping with change More change always demands more leadership. Companies manage complexity by planning and budgeting, by organizing and
ecently it was found that the IESL library has been used by (an average) twenty five users per day. It should be noted that this average number goes up to 25 because of weekend users, mainly the students of College of Engineering. This leads to a conclusion that the engineers do not use the IESL library may be due to lack of reading materials or/and mainly due to internet facilities. Wikipedia explains this As technology becomes increasingly available and digital information expands on a daily basis, academic library use is on the decline. Research libraries on college and university campuses are finding that gate counts and circulation of traditional materials are falling at many college libraries across the country, as students find new study spaces in dorm rooms or apartments, coffee shops, or nearby bookstores. Therefore, the point I am talking here is globally acknowledged. However, this has to be looked at from a different angle. How many engineers are normally visiting IESL? They sometimes visit IESL (annually) only to pay the membership fees. Now, it is also not needed as the online payment system is there. If the engineers who visit IESL for any reason could visit the library and could propose improvements, it would be a great contribution to IESL. I personally feel that the library facilities can be improved if our engineers do request to purchase new books, journals and propose improvements etc. Why dont you write to IESL regarding your requests? Always do remember that IESL is ours, if your requests are not properly addressed, please raise your voice. Eng (Dr). Udeni P. Nawagamuwa nawagamuwa@gmail.com
So for a young engineer, if you need to be proud of your profession and if you need to practice high command of communication and leadership skills, there is a clear way for that. This way is toastmastering; by marching along this way you can become a confident engineer in front of an audience!. All members of IESL and non member engineers too can taste the benefits of toastmastering by stepping in to any of IESL Toastmaster Club meetings which are usually held on every second and fourth Thursdays of every month. (The writer is the Vice President, Public Relations of The IESL Toastmasters Club. He works for the Alumex Group as the Group Manager- Engineering. He has got the First degree and a Masters degree in Engineering. He is an Associate Member of The Institution of Engineers, Sri Lanka. He can be contacted via mobile phone 077 3868134 or e-mail hwisusilk@gmail.com)
The Pioneer of Road Construction in Sri Lanka Major Thomas Skinner ( 1804 1877 )
by K.D.Dumindusena
T
President of the Institution of Engineers, Sri Lanka, Eng. Tilak De Silva handing over the IESL contribution towards meeting the cost of surgery to the injured final year undergraduate of the University of Moratuwa, Roshan Seneviratne. inal year undergraduate at the University of Moratuwa, Roshan Senevirathne was severely injured during the incident that occurred at the university premises on 16th January 2013. Doctors treating him had recommended surgery that will cost about Rs.800, 000 (eight hundred thousand rupees). Fulfilling its duty towards the engineering community and future engineers, the IESL has stepped forward to support the fund raiser with a donation of Rs.100, 000/. However, more needs to be done towards helping him meet the full financial requirements for the surgery. For those willing to support raising the lacking Rs. 350, 000/=; his details are as follows: Account Holder : W.A.R.I. Senevirathna, Address: Roshan, Sampath Mawatha, Padalangala, Account Number: 8468514, Branch: Bank of Ceylon, Katubedda University Branch
here are few, dedicated and devoted persons who had served towards development of this island during the rule of European nations in the last four centuries. One such English gentleman left his mark in history but not much is known about him in the modern era. He lived in this country for a period of fifty years and served for the well being of the people of this country. Thomas Skinner was born on May 22, 1804 in St. John City of New Foundland in United States of America. His Father was an Officer of the British Army. His mother died in his childhood. He went to England with his father in 1811 and entered the school in Fastbury of Doshedshire for his studies. He could not succeed in his education but wanted to travel, by sea, in search of new countries. Thomas Skinner came to Sri Lanka in 1819 to see his father. He joined the British Army in then Ceylon as a Second lieutenant although his father wanted his son to continue with his education. His first task as an army officer was accompanying a regiment of machine gun soldiers from Trincomalee to Colombo via Kandy at his fifteen years age. He could successfully complete his first duty in British Colonial rule and he was praised by the British Governor, Sir, Edward Barnes for his bravery as a young boy. After the taking of the Kandy Kingdom under British administration, and after the rebellion in 1818 Colonial rulers wanted to link Colombo and Kandy by roads so that British Army could be easily reached. The Governor, Sir Edward Barnes selected Major Thomas Skinner as the suitable person for this task and assigned him for the construction of road network in the country. His first task was to construct a road from Colombo to Kandy. During that time, there was lack of good roads besides footpaths for travelling purposes. His service was devoted to the construction of roads net work in the up country. He was given 200 native labourers for the construction works. He surveyed the lands and prepared maps for road constructions for the first time
Session 2012/2013
Sponsored by
The members (Fellows, Members, Associate Members, Associates, Companions and Students) who wish to participate must obtain the application forms from IESL and submit bio data & full Technical Papers to reach the Executive Secretary, Institution of Engineers Sri Lanka, No. 120/15, Wijerama Mawatha, Colombo 07 on or before 28th June 2013. Further information could be obtained from the Chairman, Steering Committee on Water Resources Development of The Institution of Engineers, Sri Lanka, on Tel: 072- 3421493 or Publicity Officer-IESL 011-2685490, 011-2698426 or 0112699210, ext - 232, 207, E-mail: dir.pub@iesl.lk, ieslpub@gmail.com , Fax :0112699202 Note : Forms and Guidelines could also be downloaded from the IESL Website, www.iesl.lk or obtained from the IESL Secretariat.
in this country. The first transportable road was completed from Colombo to Kandy in 1820 under the guidance and supervision of Major Thomas Skinner. The Englishmen, including Major Skinner had to face risky and perilous challenges with malaria epidemic, threat of elephants and other wild beasts while clearing jungles for roads in the hill country. Sometimes, as a hunter, he had to kill elephants and other animals in the jungles. However, he loved the beautiful environment of this island and was fond of trees and creepers in jungles. His services for the roads constructions in this country are mentioned as follows in historical documents. The Kandyan convention of the March 1815 by which the island of Ceylon was ceded to his Majesty the King of England heralded an era of remarkable progress in the Island. Within nine years, the great Kandy road was commenced by Sir Edward Barnes the Road maker (1824 1831). When he resigned from the government in 1831 there were carriage roads connecting every town of importance. Much of this progress was due to the courage and endurance of Major "Thomas Skinner" (Ceylon Railway by G.F.Perera) The history of road making in Ceylon from the times of Sir Edward Barnes the Road Maker and his indomitable associate Major Skinner are the romance and incident of the old coaching days should form a separate essay. (Ceylon Railway by G.F.Perera) Major Thomas Skinner had to work in duties of several positions like Surveyor General;Head of Civil Works Department and Accountant and Civil administrator. He did his duties in any position efficiently and effectively
aking another step towards inproving the services rendered by the IESL North Central Province Centre it has commenced construction work of their own centre building. The Centre expects to complete the building in two stages. Estimated cost of the stage one is rupees Million 18.5 which is to be raised through fund raising activities and sponsorships. Ceremonial commencement of construction works of the building was held on 31 st January, 2013 in the land aquired at Puttlum Road, K o r a k a h a w e w a Anuradhapura. (Opposite The Palm Garden Village Hotel.) President IESL, Eng. Thilak de Silva attended this event as the chief guest and laid the foundation stone at the auspicious time. Eng Rohana Mithra AGM CECB and Eng. C.K.B. Senevirathne Deputy Chief Secratary (Engineering) participated as guest of honor who also participated in the laying of foundation stone. To mark the event several trees were planted by guests and members representing different organizations. After laying the foundation stone Eng. J.A.D.R. Sujith kumara, chairman of NCP centre delivered the welcome speech.
The foundation stone for the building being laid by the President, IESL.
Name board of the proposed building site being unveiled by the IESL President.
BSE NEWS Building Services Engineering Sectional Committee requests your support
by Eng. D U Amarasinghe Committee Member-BSESC
he Building Services Engineering Sectional Committee (BSESC) has identified many shortcomings and lapses in the practice of Building Services Engineering (BSE) in Sri Lanka and it is working towards overcoming these deficiencies and uplifting the quality of facilities and services in local building construction industry. To achieve that BSESC has already taken steps to;
Recognised places for Training of BS Engineers BSESC is in the process of identifying and evaluating the institutions that can provide necessary training for engineers who intend to professionally qualify as Chartered Engineers of IESL in BSE discipline. Field visits BSESC recently conducted two field visits giving the opportunity to building services engineers to acquire knowledge on technological applications, maintenance issues etc., in various building services. Field visit to World Trade Center on 2nd March 2013 Engineers who visited the Twin Towers of WTC were able to study how the design and maintenance of various building services and facilities in this large commercial building is done. BSE sectional committee is grateful to Eng. Indradeva Mendis & Eng. Prasanna Narangoda and staff for making the visit a success. Field visit to the Building of Nikini Automation Systems Pvt Ltd. 16tth March 2013 BSESC Members experienced the automated, energy efficient and environment friendly building developed by Nikini Automation Systems Pvt Ltd. This building is a show piece of real blend of passive controls and modern technology. BSESC is grateful to the MD Mr. Upendra Weerasuriya and his staff for making the visit a success.
for the development and revision of specifications for Fire Detection and Protection Systems associated with Buildings. BSESC embarked on this task on a request made to the IESL by ICTAD in connection with the updating of fire regulations and codes of practice by ICTAD. The working group has come up with a final draft after several sessions of deliberations. Revision to SCA 8Specification for M & E works A working group of selected BS Engineers and subgroups including experts are currently working on the revision of SCA 8 that was published 10 years back by ICTAD. CPD course on Plumbing A short course on Plumbing is under preparation and the details will be announced soon. Please Log on to www.iesl.lk. Get together of BS Engineers- 2013 A get together of BS Engineers was held on 31st March 2013 at Paradise Beach Hotel-Negombo. An Annual Get-together is being planned to promote goodwill and friendship among the BS Engineers and their families. BSESC appeal all practicing engineers to be a volunteer for making pathway to prospective carrier in BSE.
1. Promote BSE in the local construction sector by creating awareness on the importance of BSE among building developers and the professionals involved in planning, design and construction of buildings. 2. Publish a directory of the Corporate Members of IESL who are competent to practice BSE and deliver their expertise knowledge. Building Development Regulations of the Urban Development Authority stipulate the requirement of BS engineers certification for certain building categories. 3. Contribute to regulatory bodies by assisting in preparing and updating of BSE related regulations, specifications guidelines etc. 4. Contribute to professional development of BS Engineers by conducting CPD courses, workshops, seminars and technical and management lectures etc. 5. Make available the BSE related text books, codes of practice, guidelines, specifications and standards etc. in liaison with the IESL library. 6. Acquire due recognition of BS Engineers in the industry and as well in the society.
Eight engineers participated in the day field visit on 16th March 2013 to Nikini automation building at Kirulapana organized by BSESC. This 4 storied building has 800 m2 of floor area for office and technical facilities. It consumes only 22 kw which is delivered from 32 kw PV power plant. Net metering system of CEB has made it possible to gain 5000kwh in credit Building capsules are designed to shade the solar heat gain while allowing sun light into the working area. Shading outside the automated louvers ideally controls solar heat gain.
The installation done by Nikini is designed for longer run while maintaining solar power conversion without reducing efficiency for 4 years.
The building is a good example to energy efficient design well suited to local climate. Registration of BS Engineers with IESL and UDA Corporate Members of IESL who are qualified in the various specialties under BSE discipline have been selected for enlisting in the IESL Directory of Building Services Engineers-2013. These members become eligible as Qualified Persons under the Building Development Regulations of the UDA. Working group activities for updating fire regulation A working group of selected BS Engineers has dedicated their valuable time to contributing their knowledge and experience
Occupancy and light sensors eliminate the need for many manual switches while internal LED lighting saves energy.
VRV type A/C s are also inverter driven and maintain 25 o C room temperature.
Recent Activities
Knowledge Sharing Lectures BSESC started short technical lectures at the end of its monthly meetings as value addition so that the expertise knowledge is shared among all participants.
Field visit to the Building of Nikini Automation Systems Pvt Ltd. 16th March 2013
Get together
Competition
on
n the contemporary
society, with the v a r i o u s technological influences, even a 3 year old kid would know the term Web Browser. Due to the fact that internet is pretty close to many families, children know that they need a web browser to surf internet. But most of them and also most of the general public are not aware of the functions of a web browser beyond the fact that it shows us web pages that are requested by us.This article will give a simple overview of web browsers. But please note that there are many complex aspects of web browsers when it comes to completing its main objectives. Web browser is a software application that enables retrieving, presenting and traversing information in the internet as well as in web servers that host web based software applications via private networks. These browsers are sometime called as clients as they act as a client or interface between the user (you and me) and backend (server side). Famous web browsers are: Internet Explorer for Windows Safari for Mac Opera, Google Chrome and Mozilla Firefox for many platforms and also there are many others too. Brief History: The very first web browser was created by Sir Tim Berners-Lee in 1990. It was then called Worldwide Web and later renamed Nexus.In 1993, web browser technology was innovated by Marc Andreessen with the release of Mosaic (later Netscape), the worlds first popular browser, which made the World Wide Web system easy to use and more accessible to the average person.
Andreessens browser sparked the internet boom of the 1990s but the introduction of Mosaic in 1993 allowed the world to experience one of the first graphical web browsers which led to an explosion in web use (Reference/ Source: Wikipedia) Function in brief: A web browser preliminary knows the language, i.e. HTTP (Hyper Text Transfer Protocol). That means a web browser sends and retrieves data (communicate)by using the above protocol. Most of the modern browsers know protocols like HTTPS (Hyper Text Transfer Protocol Secure), FTP (File Transfer Protocol). Objectives of a browser in a nutshell: Retrieval of information upon request by the user Rendering the information retrieved. (Allow the users to view the information) Access other information (When users click on other links) So, the function starts with user giving the needed URL. What is a URL? It stands for Uniform Resource Locator, which is most commonly known as the web address. Example URL is http:// www.dailynews.lk/2013/ 02/21/main_News.asp The prefix of the URL or the first set of strings stands before the colon mark (:), is called the U niform R esource I dentifier or URI, that determines how the URL will be interpreted i.e. what is the protocol that should be used for communication (when it comes to the term communication, a web browser always act as communication interface between the user and the server which are located in two different places, So this communication is called the c l i e n t - s e r v e r communication). In the above example,it is Hypertext Transfer Protocol (HTTP) which is the most common protocol. Browser will send the request to the relevant server which host the web page and then retrieve it.
If it is a LAN (Local Area Network) of an organization or institution then most probably they have proxy server before their network is exposed to the outer world (i.e. Internet), So, in those cases the request sent by the browser is accepted by the proxy server (which should be already configured in the browser) and if the proxy server has the particular web page in its cache then it shows it. So, after having retrieved the information (which are HTML Hyper T ext M arkup L anguage) and other associated content (image files, formatting information such as CSS, etc.), those information are sent to the browser s layout engine (which is in-built with the browser) to transform them into a readable and visible information. This process is called rendering. What is a web browser engine? (or layout engine/rendering engine) A web browser engine, is a software implementation (normally built-in with the browser) which absorbs marked up content (e.g. HTML, XML, image files, etc.) and formatting information (e.g. CSS, XSL, etc.) and displays the formatted content where the user can read and visualize the information in a lucid and palatable way. This engine is embedded not only in web browsers but also in e-mail clients, ebook readers or other applications that need the displaying (and editing) of web content. Typically engines may wait till all data are received before rendering a page, or may begin rendering before all data is received. That differs with the engine design technology. Browser engines of famous web browsers: Trident - MicrosoftInternet Explorer Gecko - Mozilla Firefox Presto Opera
Intention to participate in this competition should be intimated to us along with your bio-data & the full Technical Papers on or before 28th June 2013. IESL form IWMI/1 obtained from the IESL should be used for this purpose. Further information could be obtained from the Chairman, Steering Committee on Water Resources Development of The Institution of Engineers, Sri Lanka, on Tel: 072- 3421493 or Publicity OfficerIESL 011-2685490, 011-2698426 or 011-2699210, ext- 232 , 207, E-mail: dir.pub@iesl.lk, ieslpub@gmail.com, Fax : 011-2699202 Note : Forms and Guidelines could also be downloaded from the IESL Website, www.iesl.lk or obtained from the IESL Secretariat.
What is Insurance? Things that all Engineers should know about Insurance.
Interviewed by, Eng. M. K Chandrasekera/Lusail City/Qatar 19th September 2012 Questions and Answers This Article is based on a discussion held by me with the well-known Insurance Consultant/ Loss Adjuster/Presenter, Eng. Sreenath Bandula. Amarasekera C Eng. via Skype. Q: What is Insurance? A:It can be generally described as an economic device for reducing and eliminating risk through the process of combining a sufficient number of homogeneous exposures into a group in order to make the losses predictable for the group as a whole. Q: What is risk as understood in the Insurance practice? A: It could be described as a condition in the real world in which there is possibility of loss. In another way it refers to the property/asset insured or the peril insured against as applicable to insurance practitioners. Q: I did not understand what you meant by peril A: Peril is the cause of loss. Usually, an Insurance Policy covers a number of perils. Q: How does one quantify the Risk? A:Risks applicable to a Policy is determined by applying the law of large numbers or in other words the probability analysis. In the Insurance companies there is a group of professionals called Actuaries whose job is to analyse the risks applicable to each policy and to determine the Premium to be charged for the Policy to provide covers for the identified risks. Q: What do you mean by a Premium? A:It is the payment the Policy holder is asked to pay for an Insurance Policy. It can be a periodic payment or once and for all payment.
Eng. Jaliya Bandara, Founder Chairman of the IESL District Centre - Kegalle
Q: Are any types of Risks Insurable? A: No. Depending on the Clients brief, the Insurer will assess the Insurable risks and inform the Client what and what risks could be covered depending on the Premium he/ she is prepared to pay. Q: Could you elaborate it a little more? A: Insurance Policies cover the types of risks which are sudden and unforeseeable. For example, if you are a known heart patient the Insurer may not insure you against death due to a heart attack. However, a healthy person will be insured against sudden death due to heart attacks. Client is required. Insurer expects the Client to answer all questions given in the Application form, truthfully. In case of doubt, when a Claim is made, Insurer will deploy Investigators to verify if there were any wilful non-disclosures in the Application. Q: Insurance Companies? Do they perform a social service or operate with profit motives?
Contd. from page 5... The Pioneer... and was praised both by the British government and public. Mr. Skinnner made valuable contribution for the transportation in Sri Lanka by making the network of roads connecting every major town in the island during his service under the British Colonial administration. He had been appointed to the post of Road Commissioner of Ceylon by the Governor in 1841. He retired from public service of Sri Lanka in 1867 under British Colonial administration. After his retirement, when he was leaving the country, the civil chieftains and general public of the country made a thanks giving ceremony and praised his service for the development of the country. An important fact is that, he had only secondary education and not much professional training and had only army training, but he had the ability to construct roads as would an eminent in technical profession. After his retirement while he was in England, he wrote a book named Fifty Years in Ceylon , in which he explained his experience and information related to the economic, political, sociological and geographical situation that prevailed in the country during nineteenth century. He was awarded CMG honour by her Majestic the Queen. He was also honoured by awarding the membership of St.Micheal and St.George in 1869. After his retirement he lived happily in England for about ten years in the evening era of his life. He died on 24 July 1877 in England. Sri Lanka is indebted to him for his services rendered for development of the country.
A: They are business companies with profit and growth motives. Q: If they operate on profit motive, how can a customer obtaining an Insurance Policy expect a fair deal? A: That is a good question. Fair deal is limited only to what they agree to cover in the Policy. They will never compensate your full loss. Compensations will be always subject to excess and exclusion Clauses indicated in the Policy. Q: What do you mean by Excesses and Exclusion Clauses? A: Excess is a specified amount indicated in the Policy. Client will agree to absorb this amount by himself. From each Claim, the Insurer will deduct this amount when making payments. Justification for doing so is, because the expenses incurred by the Insurer to process a Claim of small value will be out of proportion ompared to the value of the damage assessed. Exclusion means an exempted risk indicated in the Policy. The exclusion clauses are given as attachments to the standard Policy Formats .For example, a Policy issued for a motor vehicle which is fully insured may contain an exclusion clause for damages caused due to floods. Client may simply assume that since his vehicle is fully insured, he could claim the damages caused to his vehicle due to a flood. But the reality is that it is not, unless you have obtained flood cover by paying an additional Premium. Contd. on page 11...
11
What is Insurance?...
In addition, the Policy will have clauses to ensure that the Insured will take due care of the insured asset and take all precautionary measures to avoid or minimize the damages caused due to a particular occurrence. In short, the term fully insured is totally misleading. Q: What do you mean by an occurrence? A: Anoccurrence is defined as a happening that progresses and ends within a certain period of time. To suit different Perils, the Policy will specify the durations of occurrences. As an example, the damage caused by a flood might be linked with the duration of a rainfall event. You can make only one Claim for the damages caused due to the specified duration of the occurrence. Q: What are the roles of the Insurance Agents, Marketing representatives and the Insurance Brokers?? A: An Insurance Agent is a person or an entity who will get a briefing from a party requiring an Insurance about his need is and then explain about the types of covers available. They will assist in the paper work, payments and also will deliver the Policy to you saving your time. For their service, the Insurance Company will pay a commision to them. However, whether you go through an Agent or directly deal with the Company, the Premium charged by the Company from you will be same. Marketing representatives are those who go to the doorsteps of the prospective Clients and convince the Clients to accept a particular package at a negotiated price. When Reps working for several companies visit the same Client, they try to beat each other by offering discounts. An unsuspecting Client who may agree to the lowest premium deal, may suffer in the end, since those cut price Policies will invariably have some exclusion Clauses to limit the compensation. Insurance Brokers are those acting with the authority of Insurance Company. They could negotiate a package,
countries there are Engineers called Forensic Engineers who have specialized in this field. In some Insurance Policies certain very common Perils are placed within the exclusions. For example in the landslides which occur in roads under construction, Items such as debris clearance are in the exclusions). Hence the Insured will not get any compensation although they have to incur a large sum of money for restoration work. Q: Will the Insurer accept the Loss Adjusters report in Toto? A: Never. They have their in house staff who will scrutinize the Loss Adjusters Report thoroughly and seek various clarifications. Not only that. When the claim values are large, even the Insured parties sometime retain experts when they find the amount recommended is less than their expectations. In fact, the Claim preparation too is a very complicated process, which could be handled only by competent persons. There were many instances where I was required to defend my Reports against cross examinations by hordes of expatriate Claim Consultants, in the number of cases I handled, especially in those related to damages caused to holiday resorts in Maldive Island Q: Are there any compulsions by the Insured party to boost up the Loss estimation? A: Why not. But, if you want to earn the reputation of the Insurers to ensure that you get assignments from them, 100% integrity is required. They have various sources to check how you act in handling the given assignments. If you get one black mark from even a single case, you will loss your good will built up with the other companies too. The expectation of the Insurers is to get out of a Claim by paying the smallest amount of compensation but without losing their customers. When the Claims are submitted by valued customers, at times they go to the extent of making ex gratia payments even when the Claims could not be paid in accordance the agreed Policy conditions. To be contd. on the next issue...
Contd. from page 7... In his speech he praised the support and commitment of the members in North Central Province and said that it is the main reason which prompted him to take such a huge challenge. He also thanked the IESL Head Office for their assistance and guidance and thanked specially the president of IESL for his participation in the event even with his busy schedule. Then the president of IESL addressed the gathering. He pledged full support of his and the mother centre to make this project a reality. Further he appreciated the activities being carried out by the centre and stated that he expects other centers to follow and construct their own center building. He also shared some future aspiration of his regarding the development of IESL and thanked the executive committee of NCP centre for inviting him to the occasion. Around fifty members representing different organizations participated in this event.
CEREMONIAL COMMENCEMENT.....
delegation of the Institution of Mechanical Engineers (IMechE) led by its President, Prof. Isobel Pollock paid a courtesy visit to the IESL on April 04, 2013. The IESL delegation for the meeting was led by Eng. Tilak de Silva, President, IESL and consisted of Eng. Lasantha Kulakuruarachchi,Eng. T K G Ranasinghe, Eng. A N P Wickramasuriya, Eng. S T Perera. The discussion focused on areas of common interest to the two Institutions.