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Terrance Said:

how to calculate insurance premium of motor?

We Answered:

I assume you mean insurance premium for automobile insurance?

Your insurance premium is calculated using several factors.

1. Your driving history
2. The type of vehicle you drive
3. The amount of coverage you need and the type.
4. The deducatables you want.

Each insurance company calculates this a little differently. You need to contact an insurance agent, give him your information and he can calculate it for you.

Stacy Said:

Why, when you have made a claim on your insurance, do your next premiums go up in price?

We Answered:

Every time that i have claimed then the premium has gone up even with protected no claims bonus. Think they want to punish/deter you from claiming.