Misunderstanding of Risk Segmented Car Insurance

Misunderstanding risk-segmented automobile insurance that "cheap" Why?

Misunderstanding of Risk-Segmented Car Insurance People are misunderstanding the "cheap" seems many still risk-segmented automobile insurance. Why such person or will a lot of? There are two possible reasons for that. Because there tend to be cheaper relatively low-risk people: one reason that it is intended to cover the financial risk that may occur in everyday life insurance. As high risk, insurance premiums of insurance to cover it more frequently is often higher. Because the risk affects the premium finer than car insurance to conventional, there are cases where insurance is much cheaper for some people to risk-segmented automobile insurance. Some people higher on the other hand. Perhaps because the case initially risk-segmented was released, became cheap dramatic has been highlighted in the media, such as, the image would remain strong. And because it was direct type car insurance to have been released for the first time: Part 2 reason risk-segmented car insurance, began selling American direct-to-home takes a first approved in Japan in 1997. American direct-to-home is not sold through the agency, because insurance is cheaper direct type car insurance, the first place is undervalued commodity. Therefore, probably had in place to pickpocket image "risk-segmented cheap" and. Risk-segmented auto insurance is a mechanism for people to be higher to the people you cheaper clearly divided. Insurance because it is a mechanism of mutual assistance by the insurance premiums of many people, convincing and subscriber fairness is required. People at high risk to bear a lot of premium, low people would be ideal situation in the original insurance risk-segmented to become less burden.

The current feature of the product is out clearly in the "risk categories"

Car insurance conventional non-risk-segmented type, has been sold yet, if insurance companies to join through the agency. People at high risk, it is better to join in the automobile insurance conventional might be cheaper for example, a young driver perhaps. "Model", "model", "age conditions" main risk categories that had been employed in automobile insurance of conventional, was about "family limited conditions". Not only to distinguish more finely the age, risk-segmented has a premium setting that takes into account the color of the license, usage, use area, the annual mileage. However, any insurance companies not acting in any way to adopt a risk classification of all, vary from each insurance company. It would not be an exaggeration to say that this risk category is the product of the automobile insurance there is no great difference in the contents of compensation.

When it uses a mileage indicator is less

Companies that have adopted the risk classification of "mileage" Among the risk classes is actually not a lot of. It is not employed in a leading auto insurance agency type that many people have joined. Five of 24 Sony Assurance, Zurich, Saison Automobile and Fire, AXA direct, non-life insurance in direct type. People who run a lot of risk is high is surprising there as much as possible easy to imagine. Sony Assurance's particular about the mileage. Classification of annual mileage is industry's largest bracts 7. Considered to be equivalent to "difference of distance" is also intended use, simple for two categories. And, to discount from premium the following year the premium for the amount of not ride " carry forward discount " is a major feature of Sony Assurance. You can see it has been pursuing a commitment to persuasive risk-segmented due to the distance thoroughly. On the other hand, SBI Insurance that has not adopted a mileage has appeal that the mileage is not reflected in the premium enough to PR as "insurance of all-you-can-ride" on the site of its own. Rather than the relative merits of whether products may either be fair, you can not appear in the risk category the difference in customer product concept of their respective owners, want to capture is these.

Risk segment of the message from insurance companies

Mileage is "less" product that is provided with a classification of mileage "persuasive" would be high on people. On the other hand, is mileage "Contact Toku-kan" would be high on the "long man" Product not provided the division of mileage. Insurance companies fact you are aiming for there. I'm targeted at customers who sympathize with the money and a sense of feeling their assent provides. It may be said that the message from the insurance company "risk categories" in that sense. I think you were able to understand that there is a clear feature companies in the auto insurance of risk-segmented in this article. From insurance companies that come across myself referring to this article first, please try to estimate. It is always free to where you feel a sense of satisfaction, and you feel a great sense of.