Page 226 - Motor Insurance Ebook IC 72

The Insurance Times

but the experienced driver who is reckless and foolhardy
and will take risks which the new motorist would never do.

At any rate, the proposal form can never indicate the
temperament of an individual or his driving habits. This
can be ascertained from the claims experience and
history of conviction for traffic offences.

Minor conviction for speeding or parking may be ignored
but a number of such convictions may indicate both
recklessness and indifference to the law on the part of
the proposer. In such cases, comprehensive cover may
not be granted.

The sex of the driver also has a bearing on underwriting.
Internationally, female drivers are considered better risks
than male drivers and premium rates are discounted for
such drivers. This practice has now been adopted by a
few insurers in India.

The occupation of the proposer has also a material
bearing on the risk. For example, person engaged in
the entertainment professions represent a hazardous
class of risk. They use their cars for long and hurried
journeys: their hours of work are irregular; and they
may be required to drive at night or in the early hours of
the morning.

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