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Peer-to-peer insurance is a reciprocity insurance contract based on a sharing economy concept. ==General== The aim of peer-to-peer insurance concepts is to make insurance cheaper. For this purpose, a certain number of policyholders pool together. In the event of any claim they support each other financially. If there is no claim, the insurance premiums are reduced. In today's peer-to-peer models, insurance policyholders form small groups online. A part of the insurance premiums paid flow into a group fund, the other part to the insurer. Minor damages to the insured policyholder are firstly paid out of this group fund. For claims above the deductible limit the regular insurer is called upon. When there is no insurance claim, the policyholder gets his/her share refunded from the group pool or credited towards the next policy year. If the group pool happens to be empty, a special insurance comes into force.〔(【引用サイトリンク】title=Friendsurance: "Der Weg war nicht leicht" - Nachrichten Print - WELT KOMPAKT - Internet - DIE WELT )〕 A group can be set up by the policyholders, forming a social network somewhat like Facebook. The only requirement is that all group members must have the same type of insurance. Examples are liability insurance, household contents insurance, legal expenses insurance and electronics insurance. The peer-to-peer insurance concept carries no costs other than the special insurance. The providers are financed through brokerage commissions of insurance companies.〔(【引用サイトリンク】title=Unter Freunden - Macht - jetzt.de )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Peer-to-peer insurance」の詳細全文を読む スポンサード リンク
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