One of them is undoubtedly the most famous “free”, like a friend to “false” can be described.

The presence of the terms of relief, in fact, increases the annual premium cost (ie the amount you pay annually), in fact, the drops of a separate amount.

Often, if the agreement is particularly useful in terms of prices, among other sections are only a relief.

For example, if you have a contract over 1,000 € when the owner is not a very serious accident, he should (for example) a refund of 800 € must be paid to the holder on the entire amount that the insurance bet just over € 1,000.

Therefore, this section, specifically the contract is more economical because they (fortunately) the majority of the accidents are not very difficult (to change one of the bumpers, paint a door, etc…) So that the result savings on insurance.

However, the fact that most accidents are not with a refund, which we decide whether to use this clause must, because it is very likely, then we have the annual cost of insurance, a refund in the event of an accident paid.

The annual policy statement and call for the suspension, in fact, still a fairly common practice to continue to meet the insured. a complex process can be managed by fax or e-mail, the premium will decrease significantly, and the medium is still protected during the attack.

Finally, when the state temporarily, he noted that the disadvantage of a more sweeping in the next year if not completed during a discussion of such risks on an annual basis.

Politics is, in fact, the protection of the undersigned during the holidays and during the hobbies or sports activities, with interesting extensions to these very low costs.

In general, the results are taken into account by the policy, after an injury, disability and death. Disability may be over, temporarily or permanently. In cases where the death of the company had disposed of heirs, beneficiaries or otherwise indicated on the closure. On disability, temporary, are entitled to benefits is, as I said, we amount to the degree of risk, knowing that the insured to do.

Rules of the injury are numerous and varied nature of their need for a large number of cases, and insurance against accidents in these diseases of the insured against fire and legal protection, travel across insurance or even RC cars and motorcycles.

Damage insurance companies are different from that  is part of the life insurance benefits for their character. Life insurance, in fact, is the compensation after an accident is available should not be higher than that caused by the event itself.

Of course there are exceptions from this principle, because some actions, search, because accidents, and are therefore a mixed refers to the rules for life insurance is that the damage itself.

If it is connected only by the principle of compensation, for example, can get paid based on the sum insured and the contract, but only assuming actual income loss.

Intermediaries play an important support for the final selection of the auction, which is responsible for the appropriate solution.

The importance of health insurance is rising, if the public health system can be no longer great personal service, the avoidance of a particular procedure or outpatient basis, even easier, he announced the possibility of supporting some hospital costs.

It is explained by the different definition for each policy area, we review the age, health status, marital status, changes in economic conditions, it is well positioned for the need, depending on the type of temporary financial assistance.

Moving Insurance reported in whole or in part, depending on the degree of disability in the accident: this guarantee, again, is that all treatments to cure his improvement, but you can easily control routine extensions in some cases the whole family. .

General list of the different options, like the protection and special treatment, hospital treatment and medical and surgical hospital stay and rehabilitation days, hospital days for free every year.

In case of temporary disability, it is considered a recovery fee and offer home-made special provisions included reference to the contract.

Complete health insurance as part of their responsibility, including planned expenditures for the analysis and prevention, diagnosis and offers a set of user controls, after the necessary measures: that men over 35 years older, has two tasks, but also for women over 20-year controls performed each year.

In the case of a business trip abroad, the health insurance needs for vaccines, and they were not with travel or other facilities: the differences always guaranteed happy dental expenses, purchase of medicines and equipment for therapeutic devices.

We are not covered by diseases such as AIDS and various mental disorders and the consequences of alcoholism and drug addiction.

More precisely, elements of uncertainty about the existence of risks. So we can use the insurance contract, one of the risks are not of the two parties (or by a party or by the Company verifiable).

By paying the premium, the company required him to submit to the possibility of an event (links) in order to flesh right to manage the insured (or other heirs or beneficiaries of the department) of capital (or income, for example) in the amount of life.

Cost determined that award insurance for the probability that the event occurs. This is due to multiple factors, the key can be summarized as follows:

A) Statistical tables (actuarial);

B) Experience Factory Mutual (company requirement);

C) Mutual of experience in this market risk.

Ethical Investments, the avoidance of firearms, tobacco, nuclear power, pornography, less risk to the volatility in the financial markets seems exposed  to be quite profitable. However, the ethical funds levy a group of people in Italy still low compared to other European countries and the flag still does not provide a large market.

What is an ethical pension?

Ethical investment means choosing securities of companies or countries that meet certain criteria of behavior or social responsibility to be fair, except for companies in areas as “harmful”. Among the managers, it can be ruled out some differences between the different sectors or certain types of industry, while others, such as weapons are usually something for everyone.

The geography of ethical funds

Ethical finance is particularly fortunate in countries such as Belgium, where they  talk about the law to regulate and promote socially responsible investment, and France.

France, in particular for the second consecutive year, the largest European country in terms of assets under management, € 13800000000, with the prior quarter, assets under management of European criteria (8.9 in 2007, even only 3.1 in 2005) , 150 ethical funds in the market.

Bleus to contradict the UK, the second (10500000000 €, down from 12.6 in 2007, with 98 ethical funds in the market), and for years even under the “discovery” was the market leader in the old continent.

Belgium is administered in third place with 8 billion assets by socially responsible funds good ethical market 143rd.

Italian scenario

Italy’s pension funds generally large institutional investors to date, a window of socially responsible investment. Market ethical financial products to our country are actually for more than 90% in retail trade, while the opposite in Europe has happened, where about 80% in the hand only to institutional investors.

Assets managed ethical funds declined from 2008 to 2009, almost 40%, up from 3.2 billion last year, only 2 billion this year. It also fell, the number of ethical funds in the market increased from 21 in 2008-20.

Longer valid

Performance as in the Order of -25 in February the Ministry of Economy and Finance set, said the validity of the taxes that the upcoming issue of health cards, national or regional level, will be extended to six years.

Automatic Transmission

Before the end of the health insurance card automatically without asking for the public. Lost in case of change of data is or stolen, you need a copy of the Citizens ASL office or the IRS.

New Layout

The decree provides for the ongoing validity of the cards, the document refers to health in other ways: for example, it recognized the existence of a regional map of Tuscany requires health card. Elsewhere, regulations for use which are set based on newly issued cards.

The trick was expensive.

In order to protect Fausto Marchionni, CEO Fonsai, insurance group warned, with more than 3,500 branches in Italy, Fabio Cerchiai, president of a nation of boat insurance rates from RC cars to grow significantly in a year.

Fraud excessive competition: worst of the market

Rising insurance premiums, so Marchionni Cerchiai, excessive competition that was run past fraudulent insurance last. CEO Fonsai points lower premiums than the race in recent years now have lower profits, determine the situation, the insurance would have to increase prices. Meanwhile Cerchiai warns against organized insurance fraud insurance premiums may rise by 8%.

Fraud on the bike

According to a survey prepared ISVAP on 2005 data, in Italy each year, 90,000 claims pursuant to fraudulent activity accounts for 3% of the accidents, ship, on the part that sees these figures underestimate. So share the dynamics of this game on its head, which are grouped into different consumer groups, show that drivers increased since 1996 a policy of all RC-Car companies in Italy with an average of 170%. The legitimate question is: Where are the hidden real smart?