51. Also, the users of this compulsory fire insurances, by the compulsory coupling of the fire insurance can not
choose between the yes / no of covering floods in their fire insurance. In almost all cases, the customer receiving
fire insurance would be obliged to take this coverage - even if this recipient is not in any risk of flooding - and have
to pay for it. There may indeed be assumed that the cost of reinsurance is 5 to 10 per cent of the existing fire
insurance insurers, and these costs will be passed on to customers in the form of partially premium increase.
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