Calculating Flood Zone Insurance Premiums计算防洪区保险费
Insurance companies differ in their rates and quotes but several factors affect the cost of the premiums on your UK flood zone insurance. 保险公司不同，其利率和引号，但几个因素影响到费用的保费就你的英国防洪区保险。 First of all, you need to specify the level of cover you require. 首先，你需要指明的水平，包括你的要求。 This amount will make quite a large difference to the size of your premiums. 这一数额将相当大的差别的大小，你的保费。 You will be asked what kind of cover you require as well as the value of cover. 你们会问什么样的封面，您需要以及价值的封面。 This means that if you want to cover more areas for your insurance policy, expect the cost of your premium to be higher, too. 这意味着，如果你想以涵盖更多的领域，为你的保险政策，预计的成本，你的溢价较高，而过。 When you buy an insurance policy, you will be asked to fill in the quotation form with details about you.当你购买保险的政策，您将被要求填写报价单的形式与细节你。 You need to provide full and correct details and your premiums will be calculated based on the answers to certain questions, depending upon the insurance cover you are applying for.你需要提供充分而正确的细节和你的保费将计算的基础上，回答了一些问题，这取决于投保你申请。 If you do not fill in the forms with the correct information and details, you may find yourself in trouble in the future.如果您不填写表格有了正确的信息和细节，你可能会发现自己陷入困境在未来。 Your claims may be hindered or even your insurance policy annulled.你的债权可能会受到阻碍，甚至你的保单同时废止。 To calculate your flood zone insurance premium, insurance providers will want to know the type of property you have.计算你的防洪区的保险费，保险机构都会想要知道财产的种类，你有。 If your home is not made out of bricks, concrete or stone and the roof out of slate, tile or concrete, then your premiums will rise.如果你的家是不是开出的砖，混凝土或石料及天台出石板，瓷砖或混凝土，那么你的保费将上升。 Insurance providers will also check the condition of the plumbing, heating and electrics in your house.保险提供商也将检查的状况，以及水管，暖气和电工在你的房子。 They will want to know when the house was built and the number of people who live there.他们都想知道，当房子建成，并有多少人生活在那里。 They will also want to know if the house is yours or rented, how many bedrooms are there, if your house had been a victim of previous flooding, and other concerns.他们也想知道，如果房子是你的或租借的，有多少个卧室有，如果你的房子被受害人先前洪水和其他关切的原则。 The location of your house is another factor.位置，你的房子是另一个因素。 There is always the likelihood of natural disasters.总是存在的可能性自然灾害。 Insurers will look if there a likelihood of a flood in the area.保险公司将看看，如果有可能的洪水在封锁区内。 If there is, the insurer’s risk goes up, and so will your premium costs.如果有，保险公司的风险也越高，所以，将你的保费成本。 Security in the area is another factor in calculating your premium.该地区的安全是另一个因素，在计算你的保费。 The insurance providers will also take the crime rate of your area into consideration.保险提供商也将采取的犯罪发案率，你的面积在考虑之列。 They will want to know about the kind of locks you use, if you have burglar alarms, smoke alarms, and other concerns.他们会想知道什么样的锁，你用，如果你有防盗系统，烟雾警报器，及其他关切的原则。 The distance of your house to the emergency services like fire stations and police stations will also decrease/increase the cost of your flood insurance premiums.距离你的房子给紧急服务，如消防局和警察局，同时也会减少/营运成本增加，你的洪水保险的保费。 Most of all, insurance providers will also be requiring you to fill in your occupation and your income because this will give them an idea if you have the capability to pay your premiums.最重要的是，保险提供商也将要求你填写在你的职业和你的收入，因为这将给予他们一个想法，如果你有能力支付你的保费。 Your age is also taken into account as clients aged 50 years old and above get certain discounts.你的年龄，也考虑到为客户年龄50岁及以上获得一定的折扣。 There are measures you can take to lower your flood zone insurance costs.有措施，你可以考虑以降低你的防洪区的保险费用。 Whatever conditions your house is in, tell your insurance provider if there are ways you can lower the insurance risk because your flood insurance premium would go lower, too.什么条件你的房子是在告诉你的保险提供商，如果有办法，你可以降低保险公司的风险，因为你们的洪水保险的保费将下降，太。
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