How to reduce the inflated cost of Insurance policy CTP?
Posted by Unknown
on Friday, 15 January 2016
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How to reduce the inflated cost of Insurance policy CTP?
Recall that last year earned a single automated database drivers insurance history - AIS SAR. To date, the system is almost 100 percent of the data on compulsory insurance of civil liability of automobile owners. Initially, it had been downloaded data for 2011 - 2012 years, and it is neither more nor less - 78.7 million contracts. Data for 2013 were loaded as they become available. As a result, from January to December in AIS SAR were flooded with information about 37.8 million contracts. The system also transmitted information about changing insurance contracts, various additional agreements. Such data in 2013 was downloaded almost 4.5 million.
With this system gives the insurer - is understandable. The accuracy of the calculation of bonus-malus coefficient. Recall that in the primary insurance contract, this coefficient is equal to one. For the year of accident-free car ownership rate is reduced by 5 percent. That is, it is equal to 0.95. During the ten years of accident-free time he will reach 0.5. The following fall, he can not, according to government regulation. So careful motorist driving earns 50 percent discount on insurance.
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Labels: Insurance
