Smart insurance: 4 reasons why you only want to insure against big bad luck

Insurance seems to exist for everything: from mobile phones to the roof of your house. But did you know that the best way to be insured often means choosing cover only for really big risks? Smart insurance is about making conscious choices so that you not only save money, but also create peace of mind. In this blog, we discuss why it makes sense to only insure against big bad luck. Find out how to better protect your finances without incurring unnecessary costs!

1. A lower premium

By only insuring against bigger claims, you get a lower premium. If you never claim small claims anyway, why pay for them. Other people who do will cause your premium to go up. Not really fair is it? How much lower the premium is depends on your situation. You can put the money you save aside in your savings account or invest it. The euro you would otherwise give to your insurer in exchange for a lower deductible will now remain yours. You decide what to do with it.

2. Many people overestimate risks

When you look back over the past year, how much did you claim on your insurance? Probably not that much. We overestimate risks. That's ingrained in our brains. But statistically, the probability of claims is not that bad. The Dutch, like the Swiss, are world insurance champions. We are over-insured, and that is quite a waste of all that premium that could be used for other nice things.

3. Less waste and fraud

Minor bad luck (like lost sunglasses, broken mobile phones or coffee in a rug), costs insurers many times what you get reimbursed for as an insured. In addition, there is a lot of fraud with small claims. This is something we all pay for and leads to higher premiums. By taking responsibility for small breakdowns yourself, there is less waste of money and less fraud. That in turn saves you a lot of premium. Smart right?

4. No more loose policy sheets

No more old-fashioned paperwork! Deck offers you an all-in-one policy for your household insurance, liability insurance, home insurance, permanent travel insurance, car insurance, etc. In my Deck, you will find a complete overview of all your policies. Here you can also report your claims or adjust coverages. In the unlikely event of something happening, you don't have to look up where to go. You can always call or call Team Deck.

Curious? Check your personal premium directly at www.deck.nl