写了封信给QBE,答曰:
In regards to the CTP Quote AO-3526XXX-CTP when you are being quoted $360.00. This is taking into consideration that you have not lost any demerit points on your current NSW Drivers License. If the premium for your CTP insurance increases to $521.00 after entering your License information means you have lost some demerit points on your License within the last 40 months.