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How is the price of insurance determined and who calculates it?

The price of insurance (insurance premium) is calculated exclusively by the insurer, not by the broker. 

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The insurer sets the price based on several factors, such as:

  • What is insured (e.g., car, home, health, property, etc.)
  • Insured value of the property or sum insured
  • Risks included in the policy
  • Damage history, if any
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