|
An auto insurance company will use the term 'bonus' in only one context insofar as computation of premium is concerned - Claims. The insurance company may reduce the premium for certain positive and proactive steps taken by the automobile insurance customer to reduce the risk. However, bonus is something that the client will enjoy only when he or she has a perfect no claims record.
This is the reason why any and every insurance quote online remains incomplete until the no claim bonus or discount is considered. Why is this so important?
Nearly 70% of the cash outflow of the insurance company occurs due to claims. Any reduction in claims will automatically boost the profit of the insurance company. Filing of a claim is not just a question of money. It is also a question of procedure and formalities.
It involves a lot of paperwork and employment of numerous legal experts to complete the transaction. All this costs a lot of money for the insurance company. An individual who has not filed even a single claim in the past four years would have helped the insurance company save quite a lot of money.
On the other hand, any individual who files claims frequently will not only be classified as a high risk customer but would also have to pay a very high premium for renewal of the policy.
Many individuals searching for an affordable quote online complain about this approach and attitude of the insurance companies. To collect the premium but to discourage the client from going in for a claim does not make sense. Well, the average amount of claim filed and the average premium charged are completely disproportionate.
The premium can be reduced by going in for a smart automobile that is considered safe by insurance companies. One can reduce the risk by parking it inside or installing antitheft devices. One can maintain the vehicle properly and replace the tires regularly to ensure that it never goes out of control.
On the other hand, it is virtually impossible to ensure that the claim amount will not be very high. It depends on completely variable factors like the speed of the vehicle at the time of the accident and the driving skills of the other party.
Rather than complaining about this point when searching for an insurance quote online, it makes sense to accept this and try to utilize it to your advantage. Try to insist on a higher bonus or a more lenient approach in terms of discount offered to make the deal worthwhile.
Tags:
Rapid Prototyping,
Rapid Prototyping China,
Plastic Tooling,
Plastic Tooling China,
Rapid Prototype,
Rapid Prototype China,
Rapid Tooling,
Rapid Tooling China,
CNC Prototype,
CNC Prototype China,
Functional Prototype,
Functional Prototype China,
Metal Prototype,
Metal Prototype China,
Plastic Prototype,
Plastic Prototype China,
Rapid Manufacturing,
Rapid Manufacturing China,
Low volume production,
Stereolithography,
Stereolithography China,
Vacuum Casting,
Vacuum Casting China, �W��OӋ, seo,, Web Design
|
没有评论:
发表评论