A friend of mine told me that some (all?) insurance use the deductible in a nasty way.
Say someone steal in your house or a fire destroy your TV and a table. You have a deductible of 100chf. Well, from what I’ve heard, the insurances create two different cases, one for the TV and one for the table, which result that you have to pay 200chf , 100chf deductible for each item involved.
Is it true?