Peter wrote:

> After all, if statistics work for the insurance company, why would they 
> not work for you ?

Statistics only works for big numbers, that's the one thing about it that's
certain :)

The idea of insurance is that you get the full insured value, no matter how
much you actually have paid. When there are enough insured that statistics
start to make sense, this starts to work according to statistics. As long
as you're only one, all you have available is what you have accumulated.
Which would be much less than the insured value for a long time.

Gerhard
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