We know the fact that the Fire Insurance Premium is tariff rated and governed by the Rules of the Revised Fire Tariff (RFT)
A breach of the RFT can land the Insurer in hot soup with the authority where a fine or disciplinary action can be taken against the agent and/ or the principal Insurer involved.
Everything else being equal amongst the Insurers, can the premium be reduced further without breaching the rules of the RFT?
Why not? The question is HOW to do it.
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