Kombinacja zatrzymania ryzyka i ubezpieczenia
Combination of retaining risk and insurance

Summary/Abstract: Very often, insurance does not cover all of the events that might produce a loss. The insured usually retains part of the exposure whenever he purchases insurance. The Author presents various methods of retention combined with insurance: inadequate insurance, deductible and excess insurance, examining economical effects of these methods. Com- pared with complete retention, retention combined with insurance has the advantage of allowing the insured to purchase protection against losses in excess of the deductible amount. The uncertainty is thereby reduced. It also leads to decrease of the level of premi- um. The insured should calculate whether he is able to cover the small risk. i.e. the first part of any loss, and on the other hand to save some money. In many kinds of insurance the reduction of premium is considerable, because the majority of losses are comparatively small.

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