Comparing insurance online – How much security will you actually need?
For the feeling of personal security with the help of an online insurance, the Swiss citizen is also willing to pay more. For insurance in general about 20’000 francs per person change hands year after year building up a sense of security. Is this really necessary, or does the online insurance put itself to the test in terms of costs? You can Indeed save costs and especially before autumn – when you usually may terminate your insurance in general – it is worthwhile to check insurance online and to see whether you can save even more, because within the 20’000 francs, around 6’000 Social security – the biggest item when it comes to insurance in general – cannot be compared online.
In this case we speak of obligatory expenditure. Insurance expenditures will increase when having a child in your household and therewith you should compare your insurance online and check, whether it is possible to save money on the insurance in general, and if you are within the 25 per cent of a household budget with insurance expenditures. And here the online insurance comparison comes into effect. But what kind of assurance do we need when it comes to insurance in general? After all, what is the use of screening insurance online?
The insurance should be based on the individual needs
In principle, your own assurance is aligned with your individual needs and there are not any blanket statements whether insurance should be concluded or checked online before it comes to the insurance contract. Indeed, there are questions every insured person should ask himself/herself, in order to pinpoint his/her needs for the general insurance before comparing insurance online:
- What kind of security should the insurance provide in general?
- What amount of risk coverage should be obtained from the online insurance?
- How much on uncovered residual risk are we willing to accept?
- What kind of protection does our insurance generally offer?
- What does the own portfolio on policies look like, which should be checked online with the insurance?
- Are there large gaps in the insurance in general that should be closed via online insurance comparison?
- How can the gaps in the insurance in general be closed without busting the budget frame?
- Do we find online insurances with a comparison, which are indispensable and remain so?
Only if these questions concerning insurance in general find an honest and open answer by the potential policyholder, it is worth comparing insurance online, thereby optimizing cost savings and one’s own protection. Comparing insurance online enables you to minimize a major risk factor: to conclude an insurance that you do not need, which ignores your individual needs, or is simply too expensive. Another fine-tuning in terms of risk coverage for the insurance in general, before getting to the final stage of searching for online insurance, you will have to proceed as follows:
- The insurance in general intends to prevent your income from being reduced by a stroke
- You should search for an online insurance which protects you from the fact that your costs increase because you will be held responsible for a damage
- The insurance in general should intercept that assets are destroyed by theft and online an insurance is wanted, that covers this event low-priced