2018安省汽車保費持續上漲/ Ontario Auto Insurance Rates Rose Again in 2018

您覺得自己的汽車保費是否一直逐年上升?這其實並非您的個人感覺,也絕非一家之言,據安省金融服務委員會(FSCO)調查數據,安省的汽車保費的確在2017年第二季持續上升,季度升幅達0.76%。若保費每季皆升約1%,即到年度續保時就有可能累積平均加價4%。每份保單的保費實際升幅因人而異,有的可能是2%,而有人則可能高達8%

汽車保費加價的主要因素
一般的工資及各項服務成本上漲,固然會令保費上升,然而這並非主因。每間保險公司皆有其承保及風險計算原則,也會面對不同的索償情況,令保費升幅有異;但它們普遍都依以下幾項來計算每位投保人的保費水平

– 地點:您的住處及停泊地區
– 駕駛紀錄:您的駕駛年資、投保年資,及索償和違例紀錄
– 車輛:車齡及車價

此外,每間保險公司皆有不同的保費調整時間表,所以保費升幅亦會受續保時的市況影響。

我們為您搜羅多間主要保險公司的產品,深知每個方案的優點及計算特色,可按您的個案及市況預測來提供最合理的選擇

Have auto insurance? Then you probably feel your premiums are going up year after year. It’s not just a feeling, and it’s not just your policy. Auto insurance rates indeed rose again in the second quarter of 2017. Based on rates posted by the Financial Services Commission of Ontario, there was an increase of 0.76% over just the last quarter.

If rates increase ~1% every three months, it could mean an average of 4% increase during policy renewals. This 4% increase is averaged out amongst clients; some see an increase of 2%, while others may pay up to 8% more when it’s time to renew.

Factors for Car Insurance Rates Increase

Insurance claim costs are going up, as well as the cost of labour and other company expenses. Unfortunately, these extra costs are what cause your car insurance premiums to go up.

How rate increases affect you individually depends on each insurance company. Each insurer calculates its risks differently, based on the company’s portfolio of clients and their claims.

Some factors insurers take into consideration when calculating individual premiums:

  • Location – Where you live & park your car
  • Driving History – Your driving experience, years insured, claim & conviction history
  • Vehicle – Whether your car is new or old, its car value

Also, insurance companies may have different schedules for rate adjustments. This means rate increases could depend on renewal date and the market conditions at the time.

 

source from: BrokerTeam Insurance

 

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