piece premium models or costs models are quite rare in car insurance . you can help, if they work for, save: save the insured premium, brokers and insurers reduce the administrative burden for everyone involved benefits. as it seems ... why such models are not offered so frequently? Piece of premium models are based on a design tailored specifically for them. In the development of the concept you put the work that will save the model after. In addition to competitive premiums filters are required, from the total amount of drivers to filter the subset for which the design is developed. The idea is simple - and so they should be. Unit cost models (as the name suggests) simply go by the "piece" from motor vehicles. In this way, almost set a standard premium for all vehicles. Insured and insurers have a transparent basis for calculation: Vehicles counted, the number multiplied by the premium - and we know how much the vehicle fleet per year in insurance premium. But how easy it is not natural. Some differences must be made. Small, less efficient vehicles are regularly cheaper to buy and repair, including the claim for the insurer considerably cheaper than the high-horsepower cars from the luxury class. So is differentiated: about to purchase price, engine power or engine size.
has also insured the choice of partial coverage and comprehensive insurance and breakdown cover "yes" or "no". Here, too, is differentiated and there are differences in premium between the basic version and full version. So far, so straightforward. But so does the unit cost model, it still is an essential condition to be met: you need insurance that produce the least possible damage. This is required for all insurance companies in the automotive sector, however, worsened. At this point, have to grab the filter. The selection of the desired clientele! To the loss ratio and thus to keep the insurance premiums of a piece of model low, particularly to avoid harm pregnant motorist groups. This works around the fact that the insurance proposal to restrict certain professions or industries whose damage statistics to knows. But the "real" job is not enough, because in such groups there are "black sheep" with a proud loss figures. In order to keep the "left out", the insured must have reached at least the no-claims class 3. A calculation for you can easily make it by myself: www.dieBerater.de / Stueckkostenmodell
