It should be noted that a comparison of different insurance policies should involve more than simply weighing the estimated costs and fees of each policy; other aspects should also be taken into account, such as the policy’s coverage, the amount of its excess, and its exclusion clauses. The estimates provided above make it possible to better understand which portion of the premium is used to cover the risks insured by the policy. The remainder of the premium – after taxes, contributions, sales charges, and administration fees are deducted – represents the share of the premium used for the performance of contractual services, as well as those costs not mentioned above (including the shared cost of claims and claims adjustment). These estimates are made using accounting data for the insurance company’s last accounting year as approved by its general meeting.