It does not prevent the handling of small claims

It does not help to decrease the insurance premium

It does not help to lower the claim amount in case of a loss event for small claims

It does not help to lower the probability of claim occurrence

It does not help to lower the claim amount in case of a loss event for big claims

It does not help to decrease the insurance premium

It does not help to lower the claim amount in case of a loss event

It does not help to prevent the handling of small claims

It does not help to lower the probability of a claim occurence

It does not help to decrease the insurance premium

It does not help to lower the claim amount in case of a loss event

It does not prevent handling of small claims

It does not help to lower the probability of claim occurence

First risk principle

Pro-rata principle

Full insurance principle

First risk principle

Pro-rata principle

Full insurance principle