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Frequently Asked Questions

We help you stay ahead and informed with these helpful answers on protecting yourself, your home, business and more.

Why does my car premium amount go up each year?

Your premium considers the various factors included in the costs of fixing your car when you make a claim. This also depends on whether the car should be repaired or replaced. While the value of most cars will decrease over time (lowering the replacement cost) these claims occur much less compared to accidental damage claims.

The cost of repairing your car after an accidental damage claim usually increases each year as the cost of parts, paint, and labour increase as well. As such, the same repair to the same car will probably cost more in the future years, even if the value of the car is reduced, and leads to an increased premium. 

In addition, insurance premiums are based on risk characteristics where the higher the potential risk, the higher the premium and vice versa. Examples of these include the driver’s age, vehicle’s age, vehicle make and model.

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