3 ms·

I am in Australia so I am not concerned about health insurance - more things like house, disability and car insurance. I can afford to carry quite a bit of risk

• eru 10y ago
  For disability insurance, I assume a high excess would translate into a longer time before the insurance kicks in? For car insurance, isn't an excess you can choose a standard feature? (Some insurance companies give you a no-claims rebase, which is the same as a high excess---only shifted in time.) I don't know about house insurance. What does house insurance insure against?