If these days for my three vehicles get calls from advertisers of my insurance company, they would have noticed when reviewing my contracts (net, so to make the contract-related reason of the call, otherwise it would be illegal telephone advertising) that I have not yet completed the Safetycar package, which guarantees me a refund of the time value in contrast to the replacement value. For “only” 10 € /Mt. a) Does something like that work? b) Is the time value necessarily always essential higher than the replacement value? c) In a non-cash case, what replaces the opposing insurance? — Christoph