The politics policy

your politics of the Eigenheimbesitzers

Buy to insurance only as last way out this basic rule guess/advise you to buy insurance only if it is the best and most cost effective solution. They have many elections, if you treat each possible given risk; Insurance is only one. Treat your risks with Nichtversicherung strategies first. (You ignore chapter 3 for all kinds information, like one that. ) chapter 2 does: Presents of seven guidance principles of insurance 23 is here an example of, how this basic rule works: Say that you took over Heirloom Sterlingsilber of the grandmother. It is to you so naturally preciously you wishes the best possible cover. Their means leaves you to an estimation receives costs you $100.
They buy a special passenger to your politics of the Eigenheimbesitzers, which cover the evaluated value of the silver of $10.000 at a premium of $90 one year. Later, burglars break and steal one year into your house your precious Heirloom. Meanwhile the silver increased the value to $15,000. They collect the $10,000 insurance yields of the policy, but you suffered three disappointments: ✓ the difference $5,000 between the value of the stolen silver and quantity, which covered insurance. Sample ✓ of the grandmother was adjusted and it is difficult to find an identical same. ✓, even if you find the same sample, it does not have the sentimental value, which exact set of the grandmother had. Insurance is not the best solution for the line of this risk - not only because cash is a poor replacement for treasures, in addition, because of the controversy and the costs of the estimation, as well as the insurance premium, which is suitable each year. A better, Nichtversicherung, method for the treatment of the silver risk of the grandmother (and at the same time after the maintenance it simple strategy) is to store the silver in an external safe-deposit box and so nearly completely prevents the loss. Or, if that is not practical, because you would like to use the silver for the special opportunities, it well hides, by approximately 90 per cent reducing the probability of a loss by theft. They can reduce the risk further, by adding a central alarm installation. If she comes to the irreplaceable treasures, the loss is to prevent together a far better strategy as insurance, without the costs or the dangers of the insurance cover. 24 part of I:
Received begun chapters 3 their risk outside handle buying insurance in this chapters ▶ using Nichtversicherung strategies, to which risks in your life to handle ▶, which for contracts watches out out, which give you the whole adhesion ▶, which uses insurance and Nichtversicherungsstrategien at the daily problems my goal with this book is, you with the tools to provide, you needs handles you effective the personal risks in your life. Insurance is effective kind of the line of the risk, but there is not the only way. They can identifizierenen risks and them with the creative, Nichtversicherung strategies - and you treat in such a way to do, whenever possible, instead of, to limit itself too, the purchase insurance should. Your cost of insurance reduces and is frequently more effective non--insurance strategies than their insurance counterparts. Throw insurance of many people at each problem. Their child turns 16 and it rushes out, in order to buy insurance. They take over an accumulation of stamp worth $50,000, and they buy more insurance. They rent a car on holidays and buy insurance for this car. In this chapter I fill you inside on another and better way of acting of things: Risk management. The substantial of the risk management is to treat risks with noninsurance methods first and to buy insurance in second place. I begin this chapter past you four Nichtversicherung strategies for the decrease of the risk give. Then I put those strategies into practice with one from the real life case study.