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      Question

      Rohit: I renewed my car insurance through AutoSure.com.

      Their premium was much lower than what traditional agents quoted. The process was quick, and I didn’t have to pay any service charges. I recommend that you avoid insurance agents and use online portals instead. Neha: Insurance agents work on commission and therefore try to retain customers by offering personalised assistance during claims. When renewing my policy, I will definitely choose an agent rather than buying insurance directly online. Neha could strengthen her position by pointing out all of the following except:
      A Insurance agents help customers understand fine print and exclusions that online platforms may not highlight clearly. Correct Answer Incorrect Answer
      B Agents often negotiate with insurers to get better claim settlement outcomes for their clients. Correct Answer Incorrect Answer
      C Online portals may offer discounts, but they do not provide post-purchase support during emergencies. Correct Answer Incorrect Answer
      D Some agents collaborate with insurers to push policies that offer them higher commissions, even if the customer benefits less. Correct Answer Incorrect Answer

      Solution

      Neha’s position is that insurance agents are better because they provide personalised assistance and support, especially during claims.
      To strengthen her position, she would highlight the benefits of using an agent. Options A, B and C all emphasise the advantages of agents (guidance, support, negotiation, help during emergencies, etc.). These strengthen Neha’s argument. Option D, however, states that agents sometimes push policies for their own benefit, not the customer’s.
      This weakens Neha’s claim that agents act in the customer’s best interest. Therefore, Option D is the one that Neha would not use to strengthen her position.

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