Policy comparison

Price − deductible − limits − exclusions → real cost of two policies

Policies

Policy A: premium

Policy B: premium

A: deductible

B: deductible

A: payout limit

B: payout limit

Expected loss/yr, UAH

Compare not premiums but 'expected cost': premium + share of loss you cover yourself (deductible + amount above the limit). A cheap policy with a big deductible and low limit is often more expensive. Also check: payout speed and denial rates (NBU registry), not the brand name.

Effective cost

Policy A (expected): 14000 грн
Policy B (expected): 12000 грн
Better: Policy B (2000 грн)