Structure of the tariff rate insurance

Tariff on any type of insurance in the most general case consists of two parts:

the so-called net rate (ie, the portion of money that the insurance company actually spends on the payment)

and the load (the money of which she pays taxes, will give zar.platu employees to pay for light, water and equipment repair), in other words, the load - a "non-insurance" cost of doing business.For each type of insurance company claims the individual structure of the tariff rate, usually reflected in a special document of the same name, is signed by one of the most important leaders, stamped and sent to employees in the form of an order, orders, letters.

Next start of difficulty.

Well, let's say a client wants to cancel the contract of insurance. In such a case, the insurance company will not return him to "burden" on the already depleted conclusion / support his contract and all the needs of the business. Let us even assume that the rules of insurance was a literate person, not forgetting to insert the point about keeping "the cost of doing business" to terminate the contract of insurance.The full horror of the fact that the rules of insurance value of the load no one ever says, because every year it can change, what now every time the rules change?

The client can get that "And on what basis do you hold me with an additional percentage?"

What to do in such a case, the insurer? After all, the internal document by naming "The structure of the tariff rate" for the client - not the law, and to make such things on hand are not allowed to ...

A skilled lawyer persuasion, or at least high school honors in law will not catch.

Released in fact only 2, and both, unfortunately, is not in favor of the customer.

The first request in writing an explanation of the reasons for withholding his money unused premiums. But in this situation the insurance company will give it time to produce a legally correct answer, which does not undermine either side.The second option - to sue. But here, the chances of winning the case against the mother of insurance lawyers are not great.

The Council for agents - Inform the client about%, subtract terminate the contract of insurance on the stage of the contract. Because you deserve the trust and customer loyalty, and deliver him from nervous shock in the event of termination of the contract