{"id":12591,"date":"2014-12-05T08:29:40","date_gmt":"2014-12-05T08:29:40","guid":{"rendered":"http:\/\/192.168.1.14\/index.php\/2014\/12\/05\/general-increase-for-2015-16-update\/"},"modified":"2025-09-01T01:20:16","modified_gmt":"2025-08-31T17:20:16","slug":"general-increase-for-2015-16-update","status":"publish","type":"post","link":"https:\/\/andrewliu.com.hk\/zh\/general-increase-for-2015-16-update\/","title":{"rendered":"General Increase for 2015\/16 &#8211; Update"},"content":{"rendered":"<p><span style=\"text-align: justify;\">&nbsp;<\/span><img decoding=\"async\" class=\"size-full wp-image-9071\" style=\"padding: 0px; outline: 0px; text-align: justify;\" src=\"https:\/\/andrewliu.com.hk\/wp-content\/uploads\/2010\/06\/pdf.png\" alt=\"pdf\" width=\"16\" height=\"16\" \/><span style=\"text-align: justify;\">&nbsp;<a href=\"https:\/\/andrewliu.com.hk\/wp-content\/uploads\/2014\/12\/General-Increase-History-and-Call-History-Updated-December-2014.pdf\">General Increase History and Call History &#8211; Updated December 2014<\/a><\/span><\/p>\n<p style=\"font-size: 11.818181991577148px; text-align: justify;\">All IG Clubs have announced their P&amp;I and FDD GI (General Increase) for 2015\/16. General increase for P&amp;I is 3.62% on average by now, which is more than 50% lower when compared to last policy year. &nbsp;Here are the summary with P&amp;I and FDD GI for your easy reference:<\/p>\n<table style=\"width: 280px; height: 10px;\" border=\"0\">\n<tbody>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px; height: 10px; width: 150px;\" scope=\"col\"><span style=\"font-size: 8pt;\">IG Clubs<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; height: 10px; width: 100px;\"><span style=\"font-size: 8pt;\">P&amp;I&nbsp;<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; height: 10px; width: 0px;\"><span style=\"font-size: 8pt;\">FD&amp;D&nbsp;<\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">API<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: xx-small;\">4.50%<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; text-align: center;\"><span style=\"font-size: 10.909090995788574px;\">&nbsp;4<\/span><span style=\"font-size: 10.909090995788574px; font-family: Arial, sans-serif;\">.50%<\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">Britannia&nbsp;<span style=\"color: #ff0000;\">*<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">6.20%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">0.00%<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">Gard<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">2.50%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">10.00%<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">JPI<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; text-align: justify;\"><span style=\"font-family: Arial, sans-serif; font-size: 10.909090995788574px;\">3.00%<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; text-align: center;\"><span style=\"font-family: Arial, sans-serif; font-size: 10.909090995788574px;\">0.00%<\/span>&nbsp;<\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">London<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; text-align: justify;\"><span style=\"font-size: 8pt;\">6<span style=\"font-family: Arial, sans-serif;\">.00%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; text-align: center;\"><span style=\"font-size: 10.909090995788574px;\">&nbsp;6<\/span><span style=\"font-size: 10.909090995788574px; font-family: Arial, sans-serif;\">.00%<\/span>&nbsp;<\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">NOE<span style=\"color: #ff0000;\">&nbsp;**<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">4.75%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">2.50%<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">SOP<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">0.00%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">0.00%<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">Skuld<span style=\"color: #ff0000;\">&nbsp;***<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">N\/A<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">N\/A<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">Standard<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">5.00%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">5.00%<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">SSM<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">0.00%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">0.00%<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">Swedish<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; text-align: justify;\"><span style=\"font-family: Arial, sans-serif; font-size: 10.909090995788574px;\">2.50%<\/span>&nbsp;<\/td>\n<td style=\"font-size: 16.363636016845703px; text-align: center;\"><span style=\"font-family: Arial, sans-serif; font-size: 10.909090995788574px;\">5.00%<\/span>&nbsp;<\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">UK<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">6.50%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">N\/A<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">WOE<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">2.50%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">0.00%<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">Average<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><strong><span style=\"font-family: Arial, sans-serif;\">3.62%<\/span><\/strong><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><strong><span style=\"font-family: Arial, sans-serif;\">3.00%<\/span><\/strong>&nbsp;<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"font-size: 11.818181991577148px; text-align: justify;\">Attached is the General Increase history, Supplementary Call history and Release Call history for your information.<\/p>\n<p style=\"font-size: 11.818181991577148px; text-align: justify;\">The Protection &amp; Indemnity Clubs 2013\/14 Financial &amp; 2015\/16 Market Reviews, which we prepared for all ALCO clients annually will be produced and rendered to you soon. As usual, it will provide you with more details about the IG Clubs history record and its latest performance for your easy reference. Please do not hesitate to contact, if you have any enquiry.<\/p>\n<p style=\"font-size: 11.818181991577148px; text-align: justify;\">See attached file: General Increase History and Call History &#8211; Updated December 2014.pdf<\/p>\n<p style=\"border: 0px; outline: 0px; font-size: 12px; text-align: justify;\">&nbsp;<\/p>\n<p style=\"border: 0px; outline: 0px; font-size: 12px; text-align: justify;\"><span style=\"font-size: 14pt; color: #022469;\"><strong>2015\/16\u4fdd\u9669\u5e74\u5ea6\u666e\u8c03\u7387 &#8211; \u66f4\u65b0<\/strong><\/span><\/p>\n<p style=\"font-size: 11.818181991577148px; text-align: justify;\">\u56fd\u9645\u4fdd\u8d54\u534f\u4f1a\u96c6\u56e2\u4e0b\u6240\u6709\u534f\u4f1a\u5df2\u5ba3\u5e032015\/16\u4fdd\u9669\u5e74\u5ea6\u4fdd\u8d54\u9669\u548c\u6297\u8fa9\u9669\u7684\u666e\u8c03\u7387\u3002\u76ee\u524d\u7684\u4fdd\u8d54\u9669\u5e73\u5747\u666e\u8c03\u7387\u4e3a3.62%\uff0c\u4e0e\u4e0a\u4e00\u4fdd\u9669\u5e74\u5ea6\u76f8\u6bd4\uff0c\u964d\u4f4e\u4e86\u4e00\u534a\u4ee5\u4e0a\u3002\u4ee5\u4e0b\u4e3a\u5404\u4e2a\u534f\u4f1a2015\/16\u5e74\u5ea6\u7684\u4fdd\u8d54\u548c\u6297\u8fa9\u9669\u666e\u8c03\u7387\u4f9b\u60a8\u53c2\u8003\u3002<\/p>\n<table border=\"0\" style=\"width: 300px; height: 10px;\">\n<tbody>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td scope=\"col\" style=\"font-size: 16.363636016845703px; height: 10px; width: 150px;\"><span style=\"font-size: 8pt;\">IG \u534f\u4f1a<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; height: 10px; width: 100px;\"><span style=\"font-size: 8pt;\">\u4fdd\u8d54\u9669<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; height: 10px; width: 0px;\"><span style=\"font-size: 8pt;\">\u6297\u8fa9\u9669<\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">API<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; text-align: justify;\"><span style=\"font-size: 10.909090995788574px;\">4<\/span><span style=\"font-size: 10.909090995788574px; font-family: Arial, sans-serif;\">.50%<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; text-align: center;\"><span style=\"text-align: justify; font-size: 10.909090995788574px;\">4<\/span><span style=\"text-align: justify; font-size: 10.909090995788574px; font-family: Arial, sans-serif;\">.50%<\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">Britannia&nbsp;<span style=\"color: #ff0000;\">*<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">6.20%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">0.00%<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">Gard<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">2.50%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">10.00%<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">JPI<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-family: Arial, sans-serif; font-size: 10.909090995788574px;\">3.00%<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 10.909090995788574px; font-family: Arial, sans-serif;\">0.00%<\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">London<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; text-align: justify;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">6.00%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; text-align: center;\"><span style=\"font-size: 10.909090995788574px; text-align: justify;\">6<\/span><span style=\"font-size: 10.909090995788574px; text-align: justify; font-family: Arial, sans-serif;\">.00%<\/span>&nbsp;<\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">NOE&nbsp;<span style=\"color: #ff0000;\">**<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">4.75%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">2.50%<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">SOP<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">0.00%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">0.00%<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">Skuld&nbsp;<span style=\"color: #ff0000;\">***<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">N\/A<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">N\/A<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">Standard<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">5.00%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">5.00%<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">SSM<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">0.00%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">0.00%<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">Swedish<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; text-align: justify;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">2.50%<\/span>&nbsp;&nbsp;<span style=\"text-align: center;\">&nbsp;&nbsp;<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px; text-align: center;\"><span style=\"font-size: 10.909090995788574px;\">&nbsp;<\/span><span style=\"font-size: 10.909090995788574px; font-family: Arial, sans-serif;\">5.00%<\/span>&nbsp;<\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">UK<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">6.50%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">N\/A<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">WOE<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><span style=\"font-family: Arial, sans-serif;\">2.50%<\/span><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">&nbsp;<span style=\"font-family: Arial, sans-serif;\">0.00%<\/span><\/span><\/td>\n<\/tr>\n<tr style=\"font-size: 16.363636016845703px;\">\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\">Average<\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><strong><span style=\"font-family: Arial, sans-serif;\">3.62%<\/span><\/strong><\/span><\/td>\n<td style=\"font-size: 16.363636016845703px;\"><span style=\"font-size: 8pt;\"><strong><span style=\"font-family: Arial, sans-serif;\">3.00%<\/span><\/strong>&nbsp;<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"font-size: 11.818181991577148px; text-align: justify;\">\u9644\u4ef6\u4e3a\u5404\u4e2a\u56fd\u9645\u4fdd\u8d54\u534f\u4f1a\u4ee5\u5f80\u4fdd\u9669\u5e74\u5ea6\u7684\u666e\u8c03\u7387\uff0c\u8ffd\u52a0\u8d39\u7387\u548c\u9000\u4f1a\u8d39\u7387\u3002<\/p>\n<p style=\"font-size: 11.818181991577148px; text-align: justify;\">\u6211\u53f8\u6bcf\u5e74\u4e3a\u5ba2\u6237\u7279\u522b\u51c6\u5907\u7684\u4fdd\u8d54\u9669\u5e74\u5ea6\u62a5\u544a\uff0c\u5373\u300a\u4fdd\u8d54\u534f\u4f1a2013\/14\u5e74\u5ea6\u8d22\u52a1\u72b6\u51b5\u53ca2015\/16\u5e74\u5ea6\u5e02\u573a\u5206\u6790\u300b\uff0c\u4f1a\u5728\u8fd1\u671f\u5370\u5237\u5b8c\u6bd5\u5e76\u9001\u5230\u60a8\u624b\u4e2d\u3002\u5c4a\u65f6\uff0c\u60a8\u53ef\u4ee5\u65b9\u4fbf\u7684\u6d4f\u89c8\u5230\u5341\u4e09\u5927\u96c6\u56e2\u4fdd\u8d54\u534f\u4f1a\u5386\u5e74\u7684\u4fdd\u8d39\u8bb0\u5f55\u4ee5\u53ca\u6700\u65b0\u7684\u8d22\u52a1\u72b6\u51b5\u53ca\u8868\u73b0\u3002\u5982\u6709\u4efb\u4f55\u7591\u95ee\uff0c\u6b22\u8fce\u968f\u65f6\u4e0e\u6211\u4eec\u8054\u7cfb\u3002<\/p>\n<p style=\"font-size: 11.818181991577148px; text-align: justify;\">\u8be6\u7ec6\u4fe1\u606f\u8bf7\u53c2\u9605\u9644\u4ef6\u3002<\/p>\n<p><span style=\"text-align: justify;\"><br \/><\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>&nbsp;&nbsp;General Increase History and Call History &#8211; Updated December 2014 All IG Clubs have announced their P&amp;I and FDD GI (General Increase) for 2015\/16. General increase for P&amp;I is 3.62% on average by now, which is more than 50% lower when compared to last policy year. &nbsp;Here are the summary with P&amp;I and FDD GI [&hellip;]<\/p>","protected":false},"author":3,"featured_media":9071,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[125],"class_list":["post-12591","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-circulars","tag-english"],"_links":{"self":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/12591","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/comments?post=12591"}],"version-history":[{"count":1,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/12591\/revisions"}],"predecessor-version":[{"id":18946,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/12591\/revisions\/18946"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media\/9071"}],"wp:attachment":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media?parent=12591"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/categories?post=12591"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/tags?post=12591"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}