Perhaps the most interesting differ

Perhaps the most interesting difference between the UK and Indonesian markets is in the treatment given to drivers according to their age. The age of driver is a Material fact in determining whether an underwriter will accept a proposal and for example, it is unlikely that comprehensive cover would be offered to drivers under the age of 20 for vehicles belonging to groups higher than group 4. In Indonesia, the position is complicated because many people employ drivers and changes are quite frequent.

Nevertheless, it is worth noting that in UK the frequency of loss increases very substantially at younger ages. The following table gives a rough idea ot the relationship between premiums for drivers of various ages

Hasil (Bahasa Indonesia) 2:

Mungkin perbedaan yang paling menarik antara Inggris dan pasar Indonesia adalah dalam pengobatan yang diberikan kepada driver sesuai dengan usia mereka. Usia driver adalah fakta Bahan dalam menentukan apakah underwriter akan menerima proposal dan misalnya, tidak mungkin bahwa penutup yang komprehensif akan ditawarkan kepada driver di bawah usia 20 untuk kendaraan milik kelompok lebih tinggi daripada kelompok 4. Di Indonesia, Posisi yang rumit karena banyak orang menggunakan driver dan perubahan yang cukup sering. Namun demikian, perlu dicatat bahwa di Inggris frekuensi kerugian meningkat sangat substansial di usia muda. Tabel berikut memberikan gambaran kasar ot hubungan antara premi untuk driver dari berbagai usia