为何房屋保险的保费每年都增长?- Fraser Heights Insurance Ltd

为何房屋保险的保费每年都增长?

道理很简单, 第一: 保险公司的生产成本每年都在长, 人工在长, 办公费用在长。

第二:建筑成本每年在长,人工材料在长, 去年盖个房子花费80万就可以, 今年盖个房子就要85万才行。所以保险公司去年保你80万,今年就得保你85万,自然就得加保费了。

第三: 当今年出现较多理赔后,明年保险公司就会提升你的保费。但当你达到了保险公司的优惠条件后,你可以享受折扣。

 

续保保费的改变完全由保险公司决定,保险经纪无权参与, 保险经纪只能为你争取最大的利益, 发现和找出保险公司不合理的地方, 向保险公司理论, 这就得看保险经纪的经验和技巧了。 有经验的保险经纪除了为你争取低的保费外, 在理赔时也能为你争取最大利益。

 

InsureBC Group - 75 家分店遍布BC省, Fraser Heights Insurance Ltd,

资深保险经纪陈文 Deborah  15年经验

本文为陈文专稿, 版权受法律保护。联系:chendebo@yahoo.com

 

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