How to answer the questions of insurance company

[George]

How to answer those questions;
such as :
About how many kilometers do you drive to work? (one way)
If I say ZERO, Does it matter ?

About how many kilometers do you drive each year?


Who is the primary driver? My wife or I, how does the insurance company know which driver drive most of time ?

Do those questions have influence on the premium ?

 

[timmy]

1) About how many kilometers do you drive to work? (one way)
If I say ZERO, Does it matter ?

20公里是限制，超过要加价。

2）About how many kilometers do you drive each year?

2万公里是限制，超过要加价。

3）Who is the primary driver? My wife or I, how does the insurance company know which driver drive most of time ?
夫妻的驾照可能不一样，主驾驶资格老些可得好价。

 

[想开手动车]

最初由 George 发布
About how many kilometers do you drive to work? (one way)
If I say ZERO, Does it matter ?
Zero means you don't drive to work. Differnt insurance company has different criteria to divide the range. Mine has the following: a) 0 to 2km; b) 2 to 25km, c) 25 to 100km, d) 100+km

About how many kilometers do you drive each year?
Give an estimate. Usually 15k to 20k per year.

Who is the primary driver? My wife or I, how does the insurance company know which driver drive most of time ?
Usually who drives the car to work is the primary driver. Not sure if you two carepool.

Do those questions have influence on the premium ?
Yes. Quite a bit.

 

[George]

If I cheat, does it matter ?
What I mean is that I say something cheap for me

 

[timmy]

最初由 George 发布
If I cheat, does it matter ?
What I mean is that I say something cheap for me

加拿大是信誉社会，他们都会先相信你。不过一旦被发现提供假信息，他们除了追讨回损失，还可以随时取消保险，而最关键的是你的信用从此完蛋，弄不好还会惹上欺诈官司。

 

[看你就烦]

最初由 George 发布
If I cheat, does it matter ?
What I mean is that I say something cheap for me

就不能好好做人吗？该是什么就答什么。你以为在国内呢？
如果你 Cheat，一旦查出，保费会加得很高，而且是从开保之日补起。如果出事了，就只能自己哭去。