Insurance premiums are fixed, paid on regular intervals and regardless of the monetary value of current policy holder claims. They are not transparent – no insight into policy holder claims and premiums, and have a massive administration overhead which leads to higher premiums
STIR®is a new insurance network that enables people to transparently and equally share insurance responsibility. STIR® policy holders pay premiums based on actual insurance claims and incurred cost. A time period without insurance claims is a time period without insurance premiums.
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