To subscribe to a policy of life insurance (is. house fire, theft), be careful, to avoid unpleasant surprises in case of accident, uncovered and reported to the deductible in the policy.
Let's see then what are they:
I found out is the amount of damages, expressed as a percentage, that in case of accident, remains the responsibility of the insured.
The deductible is the sum, expressed as a fixed amount and fixed by contract, that, deducted from the damage, remains the responsibility of the insured.
The purpose of the exemption is to bear the economic burden of the insured losses of minor (often also have a discount on insurance premium to be paid), while the defendant is found in the policy for specific risk situations, or the insured to enforce standards of conduct to be implemented to reduce exposure to risk.
Alex Gaetani