Assicurazione – parte 1

Perchè e quando farla

In questo testo che sarà il primo di una serie, cercherò, in base alle mie competenze e la mia esperienza sul campo di parlare in modo semplice e comprensibile a tutti di assicurazioni, con termini il meno tecnici possibili.

Partiamo dal termine ASSICURAZIONE, per assicurazione intendiamo spostare il rischio dei danni che un evento puo’ causare da noi stessi a terzi.

Pensiamo ad un Incendio, se lo stesso si verifica e noi siamo sprovvisti di un’ assicurazione i danni causati saranno interamente a nostro carico, avendo invece una polizza Incendio i danni verranno rimborsati dalla Compagnia che aveva assunto il rischio.

Andiamo per ordine, parleremo del perche’ assicurarsi e quando farlo, poi passeremo di volta in volta a parlare delle varie formule di assicurazione da quelle piu’ note auto, casa, etc..a quelle piu’ complesse fondi pensione, fidejussioni e tanto altro.

PERCHE’ ASSICURARSI

Ogni famiglia, ogni azienda , ogni professionista cerca e non sempre ci riesce di avere un cosidetto gruzzoletto, una riserva, a cui attingere in caso di necessità, in caso si verifichi un imprevisto.

Pensiamo ad una famiglia, quali possono essere gli imprevisti?

La rottura di una tubazione all’interno della propria casa, il furto dell’auto, un infortunio di uno dei componenti della famiglia, lasciare le chiavi all’interno dell’abitazione, una presunta patologia che necessita di approfondimenti.

Tutte queste situazioni che purtroppo fanno parte della vita quotidiana di ogni famiglia,andrebbero affrontate dando fondo a quel gruzzoletto, a quella riserva di cui si parlava prima.

Ma tutti hanno questa riserva? E questa riserva a quanto deve ammontare per essere sufficente nei casi piu’ gravi e gravosi?

Ecco il motivo per cui ci si deve assicurare e cioe’ spostare il rischio da noi stessi ad un altro soggetto nel caso in cui un evento si verifichi e soprattutto quando l’evento non è di lieve entità.

QUANDO ASSICURARSI

Spesso mi accade di parlare con i clienti e gli stessi mi chiedono di assicurare dal rischio di Incendio e Furto la loro auto, parlando esce fuori che gli stessi clienti non hanno le proprie case assicurate dal medesimo rischio.

Gli faccio sempre la stessa considerazione, oggi caro cliente sei disposto a spendere 600,00 € per coprirti dal rischio che la tua auto vada a fuoco o venga rubata, sicuramente se si verificasse tale evento la cosa ti creerebbe un danno, ma l’eventuale perdita di 20.000,00 € probabilmente sarebbe, seppure in un periodo piu’ o meno lungo superabile da te e dalla tua famiglia.

Allo stesso modo potrebbe verificarsi un incendio della tua casa che provocherebbe un danno magari di 250.000,00 €, danno sicuramente piu’ grave e piu’ difficilmente sopportabile da te e dalla tua famiglia.

Per assicurare un immobile di 250.000,00 € dal rischio Incendio probabilmente è sufficente una cifra inferiore ai 100,00 € annui.

600,00 € per un bene di 20.000,00 e 100,00 € per un bene di 250.000,00 .

Eppure molti di noi assicurano l’auto e non la casa.

La mia considerazione con il cliente non è volta a sconsigliargli di assicurare l’auto ma a metterlo a conoscenza dei costi e dell’importanza di una polizza Incendio per la casa.

Ecco quando assicurarsi, quando un danno grave e non gestibile con le nostre riserve puo’ essere coperto con una somma limitata, magari pagata mensilmente, garantendoci dai cosidetti imprevisti.

La funzione dell’assicuratore non deve essere di mera vendita dei prodotti delle compagnie ma principalmente di educatore in ambito assicurativo e finanziario.

Questo è il vero valore sociale della nostra professione.

Stefano Filogonio



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