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> Accident 101: i teach u claim loss of use

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Micky78
post Apr 30 2019, 09:43 PM

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From: Cheras


QUOTE(saigetsu @ Mar 15 2019, 06:32 AM)
When u renew either branch, online, or telephone, u will entitle 10% discount coz u didn't use agent service.
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suggest u shop around..i.c..get quo fr two insurer agent or online.. u might not get the same price... normal insurer dont prefer walk in as dont know the customer...higher risk...
Micky78
post Apr 30 2019, 10:50 PM

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Group: Senior Member
Posts: 731

Joined: Nov 2008
From: Cheras


QUOTE(saigetsu @ Apr 30 2019, 10:46 PM)
Dah dah no need to make up story. Walk in or not all ur data is stored centralise database.
Ur risk profile will determine the price. Higher or lower depends on actuarial calculation of their own pricing.
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where and how they get and store our data?

what is criteria is our risk profile?
Micky78
post May 1 2019, 11:51 PM

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Group: Senior Member
Posts: 731

Joined: Nov 2008
From: Cheras


QUOTE(saigetsu @ May 1 2019, 09:13 PM)
Jpj ler.

Younger age
State with more road penang kl
Higher sum insured
2-5 years old car
Theft prone vehicle i.e.proton wira

All above are high risk. U will be charged higher.
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is this information from the customer when keyed in to get the quotation?

all insurer had their own risk appetite and not using the same factors.



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