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What factors determine the premium? 

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Different insurance will have their own set of parameters like nature of policy, benefits cover, risks factor and value of the property/sum insured opted and previous claim histories etc. Example: For vehicle insurance, it’s the cost of the vehicle, age & condition of your vehicle, type of vehicle & coverage opted. For Fire insurance, it’s the value of the building, age of the building, construction type of your building & coverage taken.