{"id":136761,"date":"2025-04-29T13:51:48","date_gmt":"2025-04-29T13:51:48","guid":{"rendered":"https:\/\/adamfayed.com\/?p=136761"},"modified":"2025-04-29T13:51:48","modified_gmt":"2025-04-29T13:51:48","slug":"what-is-double-insurance","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/it\/insurance\/what-is-double-insurance\/","title":{"rendered":"Cos'\u00e8 la doppia assicurazione? Vi sta danneggiando?"},"content":{"rendered":"

Assicurazione<\/a> is meant to provide peace of mind. But in complex financial portfolios, it can sometimes do the opposite.<\/p>\n\n\n\n

One such issue? Double insurance. What is double insurance?<\/p>\n\n\n\n

While it may sound like extra protection, it often leads to wasted premiums, complex claims, and unintended finanziario<\/a> consequences.<\/p>\n\n\n\n

Se state cercando di investire come espatriati o individui con un alto patrimonio netto, che \u00e8 ci\u00f2 in cui sono specializzato, potete inviarmi un'e-mail (hello@adamfayed.com) o un messaggio WhatsApp (+44-7393-450-837).<\/p>\n\n\n\n

This includes if you are looking for a second opinion or alternative investimenti<\/a>.<\/p>\n\n\n\n

Alcuni fatti potrebbero cambiare rispetto al momento della stesura del presente documento e nulla di quanto qui scritto rappresenta una consulenza finanziaria, legale, fiscale o di qualsiasi tipo, n\u00e9 una sollecitazione a investire.<\/p>\n\n\n\n

This guide breaks down everything high-net-worth individuals (HNWIs) need to know about double insurance: what it is, why it happens, and how to prevent it.<\/p>\n\n\n\n\"Discover\n\n\n \"Subscribe\n \"Discover\n<\/map>\n\n\n\n

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What is meant by double insurance?<\/strong><\/h2>\n\n\n\n

Double insurance refers to a situation where the same asset or risk is covered by more than one insurance policy, with different insurers<\/a>.<\/p>\n\n\n\n

It becomes an issue when the total coverage exceeds the actual value of the item being insured. Yet, it still follows the principle that the insured cannot collect more than their actual loss.<\/p>\n\n\n\n

While this might sound like an edge case, it\u2019s surprisingly common among HNWIs who own multiple homes, cars, or artworks and have diverse advisors managing their portfolios across jurisdictions.<\/p>\n\n\n\n

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Double insurance example<\/h3>\n\n\n\n

Let\u2019s say you own a $5 million vacation property in Marseille. <\/p>\n\n\n\n

You purchased one home insurance policy locally in France and another international property policy through your wealth manager.<\/p>\n\n\n\n

If the property sustains $1 million in damage:<\/p>\n\n\n\n