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Loyalty cards and insurance Every little helps 会员卡和保险 积少成多 As it pushes into finance, Tesco s Clubcard gives it a competitive edge 乐购进军金融界，其会员卡为之奠定优势 SOME young drivers get tanked up and wrap their cars round lampposts; others drivecarefully, and sober. 一些年轻的司机给车加满油，不开而是停在路灯边上;也有一些谨慎上路，不过时刻清醒绝不酒驾。 Insurers would love to collect more background information on the personal habits of thosebuying motor, household and life policies, but do not want to put off potential customers withintrusive questionnaires. 之于购置汽车，家居用品和人寿保险的消费者，保险商更乐意于收集他们的个人喜好，而不是用无礼的问卷赶走潜在客户。 So they end up pooling groups of people by such basic factors as age, occupation andpostcode, which means that some low-risk customers are lumped in with risky ones andsubsidise their cover. 因此他们趋向于将收集的信息划成年龄，职业，地域邮编等分类，也就是说把不乐意冒风险的和有冒险意识的客户放在一起考虑，用后者的投资弥补前者的保险金。 If only insurers could stealthily gather a few titbits about their potential policyholders consumption habits. | 
