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Loyalty cards and insurance 忠诚卡和保险 SOME young drivers get tanked up and wrap theircars round lampposts; others drive carefully, andsober. Insurers would love to collect morebackground information on the personal habits of those buying motor, household and lifepolicies, but do not want to put off potential customers with intrusive questionnaires. So theyend up pooling groups of people by such basic factors as age, occupation and postcode, whichmeans that some low-risk customers are lumped in with risky ones and subsidise their cover. 一些年轻的司机总爱喝的酩酊大醉或把车草草停在路灯旁，而另一些司机却能谨慎而冷静。保险公司永远热衷于搜集那些购买汽车，家居用品和人寿保险的人群的个人信息，但他们早已明白那些恼人的问卷会赶走潜在的顾客。于是他们最终选择了收集顾客群基本信息如年龄，收入和邮编的方式。这意味着低风险客户群与高风险客户群无形中被集中来弥补其损失。 If only insurers could stealthily gather a few titbits about their potential policyholdersconsumption habits. Such hints might help them more accurately target those customersleast likely to make claims, and attract them with better rates. As it happens, Tesco routinelycollects such information from holders of its Clubcard loyalty card. As it bulks up in financialservices, that may give Britains largest supermarket chain an edge over traditional insurers. | 
