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While this is true for all insurance, for small, frequent losses the transaction costs may exceed the benefit of volatility reduction that insurance otherwise affords.
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Within the overall guidance of the Marine Insurance Act and the Institute Clauses parties retain a considerable freedom to contract between themselves.
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109-8, 119 Stat. Pension term assurance is effectively normal term life assurance with tax relief on the premiums. If you are uncomfortable with the level of coverage available with Third Party coverage, you may wish to obtain Comprehensive Motor insurance
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