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Old 30th Aug 2015, 10:52
  #550 (permalink)  
Join Date: Oct 2012
Location: UK
Posts: 1,785
falcon900. Sorry but I do not think your rosy view of insurance premium calculation ties in with the reality of the insurance market that I have experienced. Your simplistic description would see all insurance at fixed risk-cost, independent from claim history and specific risk. Please put me in touch with an insurer who operates in the way you describe.

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