Car Insurance Tips
Car Insurance Tips
The need for 4-wheel vehicle is very significant, this is evidenced by increased growth in sales of motor vehicles from year to year increase.
It is also very beneficial for the company especially Mobil Motor Vehicle Insurance. Of course we all know that many insurance companies that offer some facilities and benefits that beragam.Mulai from:
- Protection of All Risk = cover all damages caused by accidents and theft, including the vehicle itself.
- Protection of TLO (Total Lost Only) = Replacement of units lost due to theft and robbery. These kinds of benefits can also replace the vehicle, accident caused by a very severe (damage> 70% of the estimated price of the vehicle)
- Force Major = Meng-cover all damages caused by natural disasters, eg floods, typhoons, storm and Earthquake.
- Riot = Meng-cover all damages caused by the Civil commotion or riot.
Well, now the question is, What insurance company will insure the vehicle you choose for your pet. Tips that may be useful for you is:
- Choose a repair shop close to home or office. This allows you to monitor improvements.
- Choose a body repair shop and repair of quality, usually the garage that fall into this criteria include: Authorized dealer who receives perbaiakan Body & Paint, Auto Paint & Body, sponsored by leading paint brands or Paint & Body Shop already has a name in the event modification-event (custom).
- Determine the Insurance Companies that partner or in collaboration with the workshop you have selected. Because this can help you obtain information about the company's good insurance. (Beneficial and not long-winded)
- Select Insurance Company which imposes OR (Risk Owner) affordable. Because the OR is charged per occurrence.
- After that, choose the type of insurance and benefits to your liking.
So if you want to insure your vehicle, the above matters may assist you in determining the insurance company.
The need for 4-wheel vehicle is very significant, this is evidenced by increased growth in sales of motor vehicles from year to year increase.
It is also very beneficial for the company especially Mobil Motor Vehicle Insurance. Of course we all know that many insurance companies that offer some facilities and benefits that beragam.Mulai from:
- Protection of All Risk = cover all damages caused by accidents and theft, including the vehicle itself.
- Protection of TLO (Total Lost Only) = Replacement of units lost due to theft and robbery. These kinds of benefits can also replace the vehicle, accident caused by a very severe (damage> 70% of the estimated price of the vehicle)
- Force Major = Meng-cover all damages caused by natural disasters, eg floods, typhoons, storm and Earthquake.
- Riot = Meng-cover all damages caused by the Civil commotion or riot.
Well, now the question is, What insurance company will insure the vehicle you choose for your pet. Tips that may be useful for you is:
- Choose a repair shop close to home or office. This allows you to monitor improvements.
- Choose a body repair shop and repair of quality, usually the garage that fall into this criteria include: Authorized dealer who receives perbaiakan Body & Paint, Auto Paint & Body, sponsored by leading paint brands or Paint & Body Shop already has a name in the event modification-event (custom).
- Determine the Insurance Companies that partner or in collaboration with the workshop you have selected. Because this can help you obtain information about the company's good insurance. (Beneficial and not long-winded)
- Select Insurance Company which imposes OR (Risk Owner) affordable. Because the OR is charged per occurrence.
- After that, choose the type of insurance and benefits to your liking.
So if you want to insure your vehicle, the above matters may assist you in determining the insurance company.
Top 10 Car Insurance Tips For First Time Buyers
Top 10 Car Insurance Tips For First Time Buyers
The top 10 car insurance tips for first time buys can make the whole experience of buying car insurance a lot easier. When trying to buy car insurance for the first time it can be a little intimidating. After you read these top 10 tips you will be able to buy insurance just like anyone else. Being an informed shopper will make all the difference when you are looking for auto insurance.
The top 10 car insurance tips for first time buys can make the whole experience of buying car insurance a lot easier. When trying to buy car insurance for the first time it can be a little intimidating. After you read these top 10 tips you will be able to buy insurance just like anyone else. Being an informed shopper will make all the difference when you are looking for auto insurance.
The first tip is to ask friends and family about their insurance carrier. You need to find out what company they use and if they like this company. If they do like their previous insurance company ask them to tell you why. Some people may like an insurance company because of reasons that would not even matter to you.
The next tip is to get several quotes. You can go to many different website that can give you quotes for your insurance coverage. The third tip is to find out which insurance companies offer discounts for good drivers and good grades. The forth and very important tip is to not take the first offer you get.
Tip five is to make sure your top few choices for insurance companies have the same deducible. Once you find a company you like then it is time for tip six. This is to check the companies reputation. Some companies are hard to deal with and want to put you off when it is time to write you a check.
Tip seven will come in to play before you even start looking for insurance and that is to always obey driving laws. If you have any tickets or accidents on your driving record your premium will be higher. Make sure you have theinsurance coverage that the law requires this is tip eight and is very important because it could affect tip seven if you get a ticket.
I strongly recommend tip nine and that is to have your car completely covered for at least the amount it is worth. If you total your vehicle you do not want to be left making payments on a car that you can no longer operate. The last tip is to make sure you understand the terms of your coverage.
If you do not understand you coverage completely you may think that you have nothing to worry about when in fact if you have a wreck you could be out a lot of money. If you do not understand the coverage ask the agent to explain it more simply to you.
Be sure that you know what your deductible is and how much your premium payments are. If you do not make the necessary premium payments then theinsurance will do you no good. You do not want to be in an accident only to discover that your insurance has been canceled. You need to be knowledgeable where insurance coverage is concerned. It can mean the difference in small premium payments or thousands of dollars to repair damages to your vehicle.
Choosing the Right Step Car Insurance
Choosing the Right Step Car Insurance
Having a car certainly is fun, but with increasing crime and still lack the level of discipline other motorists on traffic rules which have made greater risk of various calamities in our cars, such as robbery, large or small collision and theft. Currently, not only this course, adverse effect of natural disasters, like flooding was already a thing that often leads to losses for the car owner.
For that, as the solution has many car owners who take advantage of special insurance services motor vehicles. But in choosing the insurance is a lot that must be considered before stating an agreement to use his services. Because if one choose, it is not impossible that you could actually harmed, so it's good you have to consider several things before choosing a car insurance services, namely:
1.Quality: Make sure in advance who will be selected insurance including insurance categories that have got prediket Best General Insurance, Indonesian Best Brand Award, Indonesian Customer Satisfaction Award. Because with this certification are clearly indicates that this insurance is reliable, trustworthy, and proven claim responsibility in serving customers.
2.Kelengkapan Options Insurance: See if the company has a complete assurance that you need, such as comprehensive, TLO, third party liability, personal accident, civil commotion, flood, or earthquake. Ask for a detailed explanation about the various types of insurance offered it. Then select the type of insurance offered to suit your needs.
3.Klaim easy and straightforward: Do not stare at low premium rates. Because, in today's competition, many insurance companies slam prices, offers cheap premium rates, but not necessarily be guaranteed an easy and satisfactory service during the process of filing claims.
4.Jaringan Workshop Area And Professional Partners: Networking extensive workshops and professional partner is a very important factor. Many insurance that implement some cheap rate, but it's useless if the work of its partners are highly qualified workshop and there is no guarantee of spare parts to customers unsatisfactory. Just like in case your car's paint looks discolored or not the same as the original color of the body, surely this is to make images of your car as if it had suffered severe damage that makes the value of your car sales slump as would be sold back, take note of this case
Scattered Branch 5.Kantor Area: See also the network of insurance companies concerned. For example, how many have a branch office, so that once someone claims not to wait any longer.
Emergency 6.Layanan on the road 24 hours: It could be asked in advance the ease, facility or what added value can be obtained when buying the policy in the company. For example, if there is a tow truck, a replacement car, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the facility in question. This service must be provided by insurers such as those for driving safety in case of accidents, strikes, a flat tire and all emergency issues regarding your car free of charge and supported also by the Call Center ready to serve your insurance needs without knowing the time and holidays.
Having a car certainly is fun, but with increasing crime and still lack the level of discipline other motorists on traffic rules which have made greater risk of various calamities in our cars, such as robbery, large or small collision and theft. Currently, not only this course, adverse effect of natural disasters, like flooding was already a thing that often leads to losses for the car owner.
For that, as the solution has many car owners who take advantage of special insurance services motor vehicles. But in choosing the insurance is a lot that must be considered before stating an agreement to use his services. Because if one choose, it is not impossible that you could actually harmed, so it's good you have to consider several things before choosing a car insurance services, namely:
1.Quality: Make sure in advance who will be selected insurance including insurance categories that have got prediket Best General Insurance, Indonesian Best Brand Award, Indonesian Customer Satisfaction Award. Because with this certification are clearly indicates that this insurance is reliable, trustworthy, and proven claim responsibility in serving customers.
2.Kelengkapan Options Insurance: See if the company has a complete assurance that you need, such as comprehensive, TLO, third party liability, personal accident, civil commotion, flood, or earthquake. Ask for a detailed explanation about the various types of insurance offered it. Then select the type of insurance offered to suit your needs.
3.Klaim easy and straightforward: Do not stare at low premium rates. Because, in today's competition, many insurance companies slam prices, offers cheap premium rates, but not necessarily be guaranteed an easy and satisfactory service during the process of filing claims.
4.Jaringan Workshop Area And Professional Partners: Networking extensive workshops and professional partner is a very important factor. Many insurance that implement some cheap rate, but it's useless if the work of its partners are highly qualified workshop and there is no guarantee of spare parts to customers unsatisfactory. Just like in case your car's paint looks discolored or not the same as the original color of the body, surely this is to make images of your car as if it had suffered severe damage that makes the value of your car sales slump as would be sold back, take note of this case
Scattered Branch 5.Kantor Area: See also the network of insurance companies concerned. For example, how many have a branch office, so that once someone claims not to wait any longer.
Emergency 6.Layanan on the road 24 hours: It could be asked in advance the ease, facility or what added value can be obtained when buying the policy in the company. For example, if there is a tow truck, a replacement car, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the facility in question. This service must be provided by insurers such as those for driving safety in case of accidents, strikes, a flat tire and all emergency issues regarding your car free of charge and supported also by the Call Center ready to serve your insurance needs without knowing the time and holidays.
Car Accident Natural Black More at Risk?
Car Accident Natural Black More at Risk?
For those of you who want to choose a car should not only pay attention to the brand or quality of any machine. Instead, you can also choose the color of the car as a personal vehicle.
Believe it or not, based on data from Monash University, Australia, black cars often had an accident. It was based on data traffic accident that occurred during the last 20 years.
"47 percent of car crashes is a black vehicle," said Dr Stuart Newstead, as reported by Dailymail, Wednesday (23/06/2010).
According to Newstead, black color affects the ability of the view (visibility) of the driver so are more likely to be involved in a collision. Color Black, faintly visible with the background of the road, views and other traffic.
The team from Monash University in Australia examined approximately 850 thousand accident data. They analyze information about the car, both personal and commercial, such as taxis.
Researchers also consider the possibility that accidents caused by driver negligence. You do this by comparing a black car with another color. During the day, an accident on a black car only reached 12 percent, while in the morning and night accidents is increasing.
Other colors are often the accident is gray and silver. While a rare car accident just a light-colored like orange.
For those of you who want to choose a car should not only pay attention to the brand or quality of any machine. Instead, you can also choose the color of the car as a personal vehicle.
Believe it or not, based on data from Monash University, Australia, black cars often had an accident. It was based on data traffic accident that occurred during the last 20 years.
"47 percent of car crashes is a black vehicle," said Dr Stuart Newstead, as reported by Dailymail, Wednesday (23/06/2010).
According to Newstead, black color affects the ability of the view (visibility) of the driver so are more likely to be involved in a collision. Color Black, faintly visible with the background of the road, views and other traffic.
The team from Monash University in Australia examined approximately 850 thousand accident data. They analyze information about the car, both personal and commercial, such as taxis.
Researchers also consider the possibility that accidents caused by driver negligence. You do this by comparing a black car with another color. During the day, an accident on a black car only reached 12 percent, while in the morning and night accidents is increasing.
Other colors are often the accident is gray and silver. While a rare car accident just a light-colored like orange.
Car Insurance Considerations
Car Insurance Considerations
With the increasing density of traffic conditions or acts of criminality, it also increases the likelihood of a car accident involving us. Start light damage hit, scratched, theft rearview mirror, until the weight like collisions, motor vehicle theft and even robbery.
No doubt insurance becomes essential to provide protection against risks that may occur. But not easy to choose the right insurance and really satisfying. Therefore, we should consider the factors that should exist in determining the choice of insurance products.
In general there are three factors that must be remembered. First, the financial strength (security). Second, the service (service). Third, cost. Financial strength of insurance related problems the company's financial ability to fulfill its promise as consumers membutuhkann. It is important to know, because not a few insurance companies are looking beyond it classy. For example storey buildings, vehicles that good directors. But when there claims of customers, the company can not pay.
Service (service) is the extent to which the mirror of human resources at the company's qualified or not. Moreover, the insurance company selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim. Also, about the service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.
The problem is how much the cost of expenses incurred by insurance companies in operation. If it is greater than the cost of entry, then obviously the company is not efficient. If it's not efficient, so the edges will incur a loss.
Another important thing to do is determine what type of insurance coverage desired. Protection overall (all risk) to give the best protection, but you need to take into account the economic side. Loss or damage to motor vehicles caused by collision, collision, upside down, skidded off the road.
Fires, towing costs, theft, including theft, which is preceded / accompanied or followed by violence or threats, as well as additional collateral. Do not be fooled by the offers provided by insurance companies. Get to know before making a decision, and choose a healthy insurance.
With the increasing density of traffic conditions or acts of criminality, it also increases the likelihood of a car accident involving us. Start light damage hit, scratched, theft rearview mirror, until the weight like collisions, motor vehicle theft and even robbery.
No doubt insurance becomes essential to provide protection against risks that may occur. But not easy to choose the right insurance and really satisfying. Therefore, we should consider the factors that should exist in determining the choice of insurance products.
In general there are three factors that must be remembered. First, the financial strength (security). Second, the service (service). Third, cost. Financial strength of insurance related problems the company's financial ability to fulfill its promise as consumers membutuhkann. It is important to know, because not a few insurance companies are looking beyond it classy. For example storey buildings, vehicles that good directors. But when there claims of customers, the company can not pay.
Service (service) is the extent to which the mirror of human resources at the company's qualified or not. Moreover, the insurance company selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim. Also, about the service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.
The problem is how much the cost of expenses incurred by insurance companies in operation. If it is greater than the cost of entry, then obviously the company is not efficient. If it's not efficient, so the edges will incur a loss.
Another important thing to do is determine what type of insurance coverage desired. Protection overall (all risk) to give the best protection, but you need to take into account the economic side. Loss or damage to motor vehicles caused by collision, collision, upside down, skidded off the road.
Fires, towing costs, theft, including theft, which is preceded / accompanied or followed by violence or threats, as well as additional collateral. Do not be fooled by the offers provided by insurance companies. Get to know before making a decision, and choose a healthy insurance.
Select a Good Car Insurance
Select a Good Car Insurance
Things to remember in selecting insurance companies in general there are three factors. First, the financial strength (security). Second, the service (service). And third, the cost. Financial strength of insurance related problems the company's financial ability to fulfill its promise as consumers membutuhkann. It is important to know, because not a few insurance companies are looking beyond it classy. For example storey buildings, vehicles that good directors. But when there claims of customers, the company can not pay.
To meet the needs of security, you can choose a car insurance product that can provide protection against risks that may occur on your car. Many insurance companies claim they are the best. This can be seen if there is an insurance product offered to the public through advertisements, almost nothing is lacking. Similarly, the promotion of performance they are doing, always highlight the fine. Therefore, there are several factors that should be considered in the process of choosing a particular insurance company for life insurance and loss.
Service (service) is the extent to which the mirror of human resources at the company's qualified or not. Moreover, the insurance company selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim. Also, about the service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.
The problem is how much the cost of expenses incurred by insurance companies in operation. If it is greater than the cost of entry, then obviously the company is not efficient. If it's not efficient, so the edges will incur a loss. And if you continually lose, definitely not healthy.
In addition, it is to be considered when choosing a motor vehicle insurance are:
* Determine the type of insurance coverage desired. Protection overall (all risk) to give the best protection, but you need to take into account the economic side. Loss or damage to motor vehicles caused by collision, collision, upside down, skidded off the road. Fires, towing costs, theft, including theft, which is preceded / accompanied or followed by violence or threat and an additional warranty.
* Do not just fixated on the size of the premium to be paid. See the company's credibility, especially in terms of service, claims handling and financial capability.
* Many insurance companies are credible and bona fide, though without the support of re-insurance company. But there's no harm in finding out the track record of re-insurance company (if any).
* Does the company provide additional benefits, such as 24-hour claim service, free towing, car replacement, insurance claim process 24 hours, etc?
* It is better you see the company's partner shop network. How many, where located and how the quality of these workshops.
* Understand exactly everything what your rights and obligations. What should you do and what not. Are there any exceptions in the policy contract, any profit you have to lose?
* Do not be fooled by the offers provided by insurance companies. Get to know before making a decision, and choose a healthy insurance.
Choosing a car insurance tricky. Insurance sometimes we only use if it is ever to benefit from natural disasters or events that befall us that cause the vehicle and our possessions out by the disaster and so forth.
This is where the wisdom of kta get from natural disasters or events that befall us. We then looked at the insurance company for safety and comfort of their
Things to remember in selecting insurance companies in general there are three factors. First, the financial strength (security). Second, the service (service). And third, the cost. Financial strength of insurance related problems the company's financial ability to fulfill its promise as consumers membutuhkann. It is important to know, because not a few insurance companies are looking beyond it classy. For example storey buildings, vehicles that good directors. But when there claims of customers, the company can not pay.
To meet the needs of security, you can choose a car insurance product that can provide protection against risks that may occur on your car. Many insurance companies claim they are the best. This can be seen if there is an insurance product offered to the public through advertisements, almost nothing is lacking. Similarly, the promotion of performance they are doing, always highlight the fine. Therefore, there are several factors that should be considered in the process of choosing a particular insurance company for life insurance and loss.
Service (service) is the extent to which the mirror of human resources at the company's qualified or not. Moreover, the insurance company selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim. Also, about the service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.
The problem is how much the cost of expenses incurred by insurance companies in operation. If it is greater than the cost of entry, then obviously the company is not efficient. If it's not efficient, so the edges will incur a loss. And if you continually lose, definitely not healthy.
In addition, it is to be considered when choosing a motor vehicle insurance are:
* Determine the type of insurance coverage desired. Protection overall (all risk) to give the best protection, but you need to take into account the economic side. Loss or damage to motor vehicles caused by collision, collision, upside down, skidded off the road. Fires, towing costs, theft, including theft, which is preceded / accompanied or followed by violence or threat and an additional warranty.
* Do not just fixated on the size of the premium to be paid. See the company's credibility, especially in terms of service, claims handling and financial capability.
* Many insurance companies are credible and bona fide, though without the support of re-insurance company. But there's no harm in finding out the track record of re-insurance company (if any).
* Does the company provide additional benefits, such as 24-hour claim service, free towing, car replacement, insurance claim process 24 hours, etc?
* It is better you see the company's partner shop network. How many, where located and how the quality of these workshops.
* Understand exactly everything what your rights and obligations. What should you do and what not. Are there any exceptions in the policy contract, any profit you have to lose?
* Do not be fooled by the offers provided by insurance companies. Get to know before making a decision, and choose a healthy insurance.
Choosing a car insurance tricky. Insurance sometimes we only use if it is ever to benefit from natural disasters or events that befall us that cause the vehicle and our possessions out by the disaster and so forth.
This is where the wisdom of kta get from natural disasters or events that befall us. We then looked at the insurance company for safety and comfort of their
Choosing Auto Insurance
Choosing Auto Insurance
Choosing a car insurance is not easy. Especially in the midst of fierce competition nowadays. Almost all insurance companies have a product car insurance. Stay prospective customers to choose which ones deserve to take. Therefore below we present some criteria so as not to incorrectly selected:
1. Prospective customers do not dwell on the cheap premium rates. Because, in today's competition, many insurance companies slam prices, offers cheap premium rates. Though not necessarily any guarantee of service.
2. See the insurance package offered. For example, extensive warranties to how much. Therefore, extensive warranties should be adjusted with the desire and ability to prospective customers.
3. See also the network of insurance companies concerned. For example, how many have a branch office or how many partners have a garage, so once someone claims not to wait long to fix the vehicle or vehicles reported missing.
4. Can be asked in advance convenience, facility or what added value can be obtained when buying the policy in the company. For example, if there is a tow truck, a replacement car or hotline services, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the facility in question.
5. Consider also bonafides insurance company. Do not get so there is a claim, the partners did not have a garage. Therefore, many insurance companies claim they are the best. Though its financial condition was very severe.
In addition to the above, there are several factors that should be considered in the process of selecting an insurance company included in choosing the product. Things to remember that in choosing a private insurance company, then that should be considered in general are three factors.
First, the financial strength (security). Second, the service (service). And third, cost or expense. Financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking beyond it classy. For example storey buildings, vehicles that good directors. But when there claims of customers, the company can not pay.
In assessing the financial strength of these there are some benchmarks that need attention.
a. Assets and liabilities. This can be seen from the consolidated balance sheet is published in the newspaper. See also, whether planted in the current investments or long-term. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts on the reinsurer, how he fulfilled his obligation to pay claims, and so forth.
Indicators of net liabilities include equity (own capital) divided by net premiums `` (net premiums) of at least 50%. Capital is divided into `` gross premiums (gross premiums) of at least 20%. Limit the level of solvency, which looks from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by at least 100%.
b. Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting policy was good.
c. Underwriters him. Insurance has personnel qualified or not. It is known from the profile companies that includes the underwriters him.
Service (service) is the extent to which the mirror of human resources at the company's qualified or not. Moreover, insurance companies are selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim.
Also, about the service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.
In this connection should also be questioned, whether the insurance company mereasuransikan on a first-class reinsurance security. This can be seen from its annual report. It is important to note, because if the company is not in the back-up by reinsurance, the company is likely to be speculative in receiving the premiums.
The problem is how much the cost of expenses incurred by insurance companies in operation. If it is greater than the cost of entry, then obviously the company is not efficient. If it's not efficient, so the edges will incur a loss. And, if you continually lose, definitely not healthy.
In this connection could also be price premiums. Compare the price of insurance premiums the same with other insurance. Where the quality is really good.
Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (Risk Base Caital). If the number is large RBC, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, large companies can also occur which are conducting a major expansion such as opening more branches, then his numbers will surely RBC small.
Conversely, there is a small insurance company but never to expand, the number of RBC was probably much greater.
Thus, RBC numbers can not be used as the only measure, whether the insurance company is healthy or not.
In this case who is also noteworthy is the performance of the company within two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.
And, equally important is how the company's management behavior over the years. Is there a management company for this broken promise? Has this company experienced in default management and so forth.
Choosing a car insurance is not easy. Especially in the midst of fierce competition nowadays. Almost all insurance companies have a product car insurance. Stay prospective customers to choose which ones deserve to take. Therefore below we present some criteria so as not to incorrectly selected:
1. Prospective customers do not dwell on the cheap premium rates. Because, in today's competition, many insurance companies slam prices, offers cheap premium rates. Though not necessarily any guarantee of service.
2. See the insurance package offered. For example, extensive warranties to how much. Therefore, extensive warranties should be adjusted with the desire and ability to prospective customers.
3. See also the network of insurance companies concerned. For example, how many have a branch office or how many partners have a garage, so once someone claims not to wait long to fix the vehicle or vehicles reported missing.
4. Can be asked in advance convenience, facility or what added value can be obtained when buying the policy in the company. For example, if there is a tow truck, a replacement car or hotline services, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the facility in question.
5. Consider also bonafides insurance company. Do not get so there is a claim, the partners did not have a garage. Therefore, many insurance companies claim they are the best. Though its financial condition was very severe.
In addition to the above, there are several factors that should be considered in the process of selecting an insurance company included in choosing the product. Things to remember that in choosing a private insurance company, then that should be considered in general are three factors.
First, the financial strength (security). Second, the service (service). And third, cost or expense. Financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking beyond it classy. For example storey buildings, vehicles that good directors. But when there claims of customers, the company can not pay.
In assessing the financial strength of these there are some benchmarks that need attention.
a. Assets and liabilities. This can be seen from the consolidated balance sheet is published in the newspaper. See also, whether planted in the current investments or long-term. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts on the reinsurer, how he fulfilled his obligation to pay claims, and so forth.
Indicators of net liabilities include equity (own capital) divided by net premiums `` (net premiums) of at least 50%. Capital is divided into `` gross premiums (gross premiums) of at least 20%. Limit the level of solvency, which looks from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by at least 100%.
b. Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting policy was good.
c. Underwriters him. Insurance has personnel qualified or not. It is known from the profile companies that includes the underwriters him.
Service (service) is the extent to which the mirror of human resources at the company's qualified or not. Moreover, insurance companies are selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim.
Also, about the service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.
In this connection should also be questioned, whether the insurance company mereasuransikan on a first-class reinsurance security. This can be seen from its annual report. It is important to note, because if the company is not in the back-up by reinsurance, the company is likely to be speculative in receiving the premiums.
The problem is how much the cost of expenses incurred by insurance companies in operation. If it is greater than the cost of entry, then obviously the company is not efficient. If it's not efficient, so the edges will incur a loss. And, if you continually lose, definitely not healthy.
In this connection could also be price premiums. Compare the price of insurance premiums the same with other insurance. Where the quality is really good.
Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (Risk Base Caital). If the number is large RBC, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, large companies can also occur which are conducting a major expansion such as opening more branches, then his numbers will surely RBC small.
Conversely, there is a small insurance company but never to expand, the number of RBC was probably much greater.
Thus, RBC numbers can not be used as the only measure, whether the insurance company is healthy or not.
In this case who is also noteworthy is the performance of the company within two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.
And, equally important is how the company's management behavior over the years. Is there a management company for this broken promise? Has this company experienced in default management and so forth.
Choosing a Good Insurance Company
Choosing a Good Insurance Company
Choosing a good insurance company is not easy. Especially in the midst of intense competition among insurance companies today.
Many insurance companies claim they are the best. This can be seen if there is an insurance product offered to the public through advertisements, almost nothing is lacking. Similarly, the performance they do, always highlight the fine. Somewhat rarely express insurance company management weaknesses they experience.
However, there are several factors that should be considered in the process of choosing a particular insurance company for life insurance and loss.
Things to remember that in choosing a private insurance company, then that should be considered in general are three factors: First, the financial strength (security). Second, the service (service). And third, the cost.
Financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking beyond it classy. For example storey buildings, vehicles that good directors. But when there claims of customers, the company can not pay.
In assessing the financial strength of these there are some benchmarks that need attention.
Assets and liabilities. This can be seen from the consolidated balance sheet is published in the newspaper. See also, whether planted in the current investments or long-term. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts on the reinsurer, how he fulfilled his obligation to pay claims, and so forth.
Indicators of net liabilities include equity (own capital) divided by net premiums (net premiums) of at least 50%. Own capital divided by gross premiums (gross premiums) of at least 20%. Limit the level of solvency, which looks from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by at least 100%.
Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting polcy was good.
Underwriters him. Insurance has personnel qualified or not. It is known from the profile companies that includes the underwriters him.
Service (service) is the extent to which the mirror of human resources at the company's qualified or not. Moreover, insurance companies are selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim. Also, about the service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.
In this connection should also be questioned, whether the insurance company mereasuransikan on a first-class reinsurance security. This can be seen from its annual report. It is important to note, because if the company is not in - backed up by reinsurance, the company is likely to be speculative in receiving the premiums.
The problem is how much the cost of expenses incurred by insurance companies in operation. If it is greater than the cost of entry, then obviously the company is not efficient. If it's not efficient, so the edges will incur a loss. And if you continually lose, definitely not healthy.
In this connection could also be price premiums. Compare the price of insurance premiums the same with other insurance. Where the quality is really good.
Today the government has set a benchmark of health insurance (not the only one) is through the mechanism of RBC (risk base capital). If the number is large RBC, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, large companies can also occur which are conducting a major expansion such as opening more branches, then his numbers will surely RBC small.
Conversely, there is a small insurance company but never to expand, the number of RBC was probably much greater.
Thus, RBC numbers can not be used as the only measure, whether the insurance company is healthy or not.
In this case who is also noteworthy is the performance of the company within two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.
And last but not least is how the company's management behavior over the years. Is there a management company for this broken promise? Has the management of these companies have defaulted, and so forth.
Choosing a good insurance company is not easy. Especially in the midst of intense competition among insurance companies today.
Many insurance companies claim they are the best. This can be seen if there is an insurance product offered to the public through advertisements, almost nothing is lacking. Similarly, the performance they do, always highlight the fine. Somewhat rarely express insurance company management weaknesses they experience.
However, there are several factors that should be considered in the process of choosing a particular insurance company for life insurance and loss.
Things to remember that in choosing a private insurance company, then that should be considered in general are three factors: First, the financial strength (security). Second, the service (service). And third, the cost.
Financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking beyond it classy. For example storey buildings, vehicles that good directors. But when there claims of customers, the company can not pay.
In assessing the financial strength of these there are some benchmarks that need attention.
Assets and liabilities. This can be seen from the consolidated balance sheet is published in the newspaper. See also, whether planted in the current investments or long-term. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts on the reinsurer, how he fulfilled his obligation to pay claims, and so forth.
Indicators of net liabilities include equity (own capital) divided by net premiums (net premiums) of at least 50%. Own capital divided by gross premiums (gross premiums) of at least 20%. Limit the level of solvency, which looks from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by at least 100%.
Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting polcy was good.
Underwriters him. Insurance has personnel qualified or not. It is known from the profile companies that includes the underwriters him.
Service (service) is the extent to which the mirror of human resources at the company's qualified or not. Moreover, insurance companies are selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim. Also, about the service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.
In this connection should also be questioned, whether the insurance company mereasuransikan on a first-class reinsurance security. This can be seen from its annual report. It is important to note, because if the company is not in - backed up by reinsurance, the company is likely to be speculative in receiving the premiums.
The problem is how much the cost of expenses incurred by insurance companies in operation. If it is greater than the cost of entry, then obviously the company is not efficient. If it's not efficient, so the edges will incur a loss. And if you continually lose, definitely not healthy.
In this connection could also be price premiums. Compare the price of insurance premiums the same with other insurance. Where the quality is really good.
Today the government has set a benchmark of health insurance (not the only one) is through the mechanism of RBC (risk base capital). If the number is large RBC, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, large companies can also occur which are conducting a major expansion such as opening more branches, then his numbers will surely RBC small.
Conversely, there is a small insurance company but never to expand, the number of RBC was probably much greater.
Thus, RBC numbers can not be used as the only measure, whether the insurance company is healthy or not.
In this case who is also noteworthy is the performance of the company within two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.
And last but not least is how the company's management behavior over the years. Is there a management company for this broken promise? Has the management of these companies have defaulted, and so forth.
Definitions and Benefits Car Insurance
Definitions and Benefits Car Insurance
When we think about insurance, the first thought is free from financial losses due to unexpected accidents coming. Because the purpose of insurance is basically to reduce the uncertainty of the possibility of unexpected losses. In general, insurance is defined as an agreement where a person makes a bond with an insured to receive a premium to provide reimbursement to him for any loss, damage, or loss which may be experienced due to unforeseen events.
What insurance benefits?
Insurance is known in Indonesia include life insurance, general insurance and health insurance. Insurance is insurance that protects the property and its contents such as houses, apartments, cars and others.
Car insurance is intended to protect from the threat of unforeseen hazards such as collision, theft of car parts or even the car itself is stolen. By protecting a car with insurance, we can drive a car with a sense of calm and safe to travel anywhere.
Types of car insurance coverage consists of:
Combined Insurance (Comprehensive) or All Risk
Guarantee losses resulting from major and minor accidents or loss with the imposition of additional equipment / vehicle destruction or loss.
car insurance vehicle
Insurance Losses Total (Total Loss Only / TLO)
Guarantee losses resulting from accidents with minimum damage to 75% of the sum insured or the vehicle is lost.
In addition to the basic protections such as the above, car insurance also provides liability insurance expansion such as the law against third parties and passengers, riots (Strike, Riot and Civil Commotion), Natural Disasters (Act of God), etc..
At present, it is very easy for you to obtain car insurance an attractive and appropriate to the needs of as many insurance companies in Indonesia are competing by offering interesting programs. More and more people are insured indicates that the awareness to protect the price of their items from the possibility of danger is getting better.
Insurance companies in the country now compete to provide the best service for the community, both in terms of programs to claim problems.
When we think about insurance, the first thought is free from financial losses due to unexpected accidents coming. Because the purpose of insurance is basically to reduce the uncertainty of the possibility of unexpected losses. In general, insurance is defined as an agreement where a person makes a bond with an insured to receive a premium to provide reimbursement to him for any loss, damage, or loss which may be experienced due to unforeseen events.
What insurance benefits?
Insurance is known in Indonesia include life insurance, general insurance and health insurance. Insurance is insurance that protects the property and its contents such as houses, apartments, cars and others.
Car insurance is intended to protect from the threat of unforeseen hazards such as collision, theft of car parts or even the car itself is stolen. By protecting a car with insurance, we can drive a car with a sense of calm and safe to travel anywhere.
Types of car insurance coverage consists of:
Combined Insurance (Comprehensive) or All Risk
Guarantee losses resulting from major and minor accidents or loss with the imposition of additional equipment / vehicle destruction or loss.
car insurance vehicle
Insurance Losses Total (Total Loss Only / TLO)
Guarantee losses resulting from accidents with minimum damage to 75% of the sum insured or the vehicle is lost.
In addition to the basic protections such as the above, car insurance also provides liability insurance expansion such as the law against third parties and passengers, riots (Strike, Riot and Civil Commotion), Natural Disasters (Act of God), etc..
At present, it is very easy for you to obtain car insurance an attractive and appropriate to the needs of as many insurance companies in Indonesia are competing by offering interesting programs. More and more people are insured indicates that the awareness to protect the price of their items from the possibility of danger is getting better.
Insurance companies in the country now compete to provide the best service for the community, both in terms of programs to claim problems.
Your car insurance premium will be adjusted to how you drive
Your Car Insurance Premium Will be Adjusted to How You Drive
Maybe all already know about this one in which insurance premiums are usually always tailored to each holder of the risk premium.
The more often you hit the higher insurance but what if you are a premium holder who never carry out the mistake and even crush an ant masti though, does mean that insurers will lower your premium? I guess it does here is not possible.
Well, maybe the insurance company have to imitate what one insurance company, Auto Insurer Progressive Corp.. in America.
This company will provide premium reductions are not based on how often you make a mistake or the amount a ticket but based on how you drive.
This can be done by installing a device that will monitor and record all your way of driving behavior, such as whether you often step on the brake suddenly or turn suddenly and so forth.
From the data obtained, the company will analyze whether you include the best driver or not. If otherwise well then you can get premium reductions up to 60% but if otherwise, the premium will rise to 9%. Fair enough right?
To follow this course even the company will provide immediate premium discount of 10% after you signed the agreement.
But remember! If you are a former driver Metromini or Kopaja, do not try to follow this program because your premium will probably increase 10 fold.
Maybe all already know about this one in which insurance premiums are usually always tailored to each holder of the risk premium.
The more often you hit the higher insurance but what if you are a premium holder who never carry out the mistake and even crush an ant masti though, does mean that insurers will lower your premium? I guess it does here is not possible.
Well, maybe the insurance company have to imitate what one insurance company, Auto Insurer Progressive Corp.. in America.
This company will provide premium reductions are not based on how often you make a mistake or the amount a ticket but based on how you drive.
This can be done by installing a device that will monitor and record all your way of driving behavior, such as whether you often step on the brake suddenly or turn suddenly and so forth.
From the data obtained, the company will analyze whether you include the best driver or not. If otherwise well then you can get premium reductions up to 60% but if otherwise, the premium will rise to 9%. Fair enough right?
To follow this course even the company will provide immediate premium discount of 10% after you signed the agreement.
But remember! If you are a former driver Metromini or Kopaja, do not try to follow this program because your premium will probably increase 10 fold.
Takaful Abror (Car Insurance)
Takaful Abror (Car Insurance)
Takaful products that replace losses caused by motor vehicle accidents, theft and legal liability to third parties.
Vehicles permitted:
* Use of teaching: Personal / Office
* Type of teaching: Cars, Jeeps, Station Wagon and Minibuses
* Age of vehicles: 0-7 years
Additional benefits and services provided:
* Accident / PA driver's maximum Rp. 15,000,000 per driver
* Accident / PA passengers maximum Rp. 5,000,000 per passenger with a maximum total passenger 7 persons.
* Ambulance Fee (unlimited)
* The cost of emergency repair, max USD. 500,000 (including costs of towing, service and spare parts)
* Maintenance costs due to accidents (Medical expenses) at the time of the insured maximum dikendaraan USD. 5,000,000 for all passengers and / or driver, with a maximum of Rp. 1,000,000 per person per event.
* Reimbursement of transportation money, per day USD. 200.000 starting from the 11th calendar day after the car in the workshop agreed, during the 10-day maximum period of replacement. Transportation reimbursement will be paid after the KBM was repaired by the garage.
* Official Workshops / Partners
* New Cars Benefits (Max age is 6 months from the KBM out at authorized dealers cars as new car)
* Vehicle registration * Extension Service (Greater Jakarta)
* Flood and Stroom
* Eathquake, Tsunami, Volcanic Eruption
* Terrorism & Sabotage
* Strike, Riot, Civil Commotion
* Derek costs due to accident (without limitation)
* 24 Hours * claim assistance (Greater Jakarta)
* Third Party Liability Rp. 25,000,000
Takaful deductibles Abror
* Minimum Deductible for Partial Loss or Constructive Total Loss USD. 200,000
* Deductible Total Loss due to theft: 10% of claims
* Flood & Windstorm: 10% of Claim, minimum Rp. 200,000.
* Eathquake, Tsunami, Volcanic Eruption: 10% of Claim, minimum Rp. 200,000.
* Terrorism & Sabotage:
1) 5% of SI for a total loss,
2) USD. 200,000 for partial loss
* Strike, Riot, Civil Commotion:
1) 5% of SI for the total loss
2) USD. 200,000 for partial loss
Commercial Motor Vehicle Claims Procedures
* Report the claim no later than 3 x 24 hours (weekdays) since the incident.
* Reporting to verbally, via telephone or via letter, addressed to the General Takaful Insurance Co. claims nearby.
* Bring a copy of the document claim repayment of the premium, the SIM copy the driver, copy of vehicle registration, and a copy of the Motor Vehicle Insurance Policy.
* For cases involving third parties (TPL) and some cases of theft or partial loss, must be equipped Ash Local police report.
* In emergency conditions and events outside working hours, can contact the nearest Partners Workshop.
Takaful products that replace losses caused by motor vehicle accidents, theft and legal liability to third parties.
Vehicles permitted:
* Use of teaching: Personal / Office
* Type of teaching: Cars, Jeeps, Station Wagon and Minibuses
* Age of vehicles: 0-7 years
Additional benefits and services provided:
* Accident / PA driver's maximum Rp. 15,000,000 per driver
* Accident / PA passengers maximum Rp. 5,000,000 per passenger with a maximum total passenger 7 persons.
* Ambulance Fee (unlimited)
* The cost of emergency repair, max USD. 500,000 (including costs of towing, service and spare parts)
* Maintenance costs due to accidents (Medical expenses) at the time of the insured maximum dikendaraan USD. 5,000,000 for all passengers and / or driver, with a maximum of Rp. 1,000,000 per person per event.
* Reimbursement of transportation money, per day USD. 200.000 starting from the 11th calendar day after the car in the workshop agreed, during the 10-day maximum period of replacement. Transportation reimbursement will be paid after the KBM was repaired by the garage.
* Official Workshops / Partners
* New Cars Benefits (Max age is 6 months from the KBM out at authorized dealers cars as new car)
* Vehicle registration * Extension Service (Greater Jakarta)
* Flood and Stroom
* Eathquake, Tsunami, Volcanic Eruption
* Terrorism & Sabotage
* Strike, Riot, Civil Commotion
* Derek costs due to accident (without limitation)
* 24 Hours * claim assistance (Greater Jakarta)
* Third Party Liability Rp. 25,000,000
Takaful deductibles Abror
* Minimum Deductible for Partial Loss or Constructive Total Loss USD. 200,000
* Deductible Total Loss due to theft: 10% of claims
* Flood & Windstorm: 10% of Claim, minimum Rp. 200,000.
* Eathquake, Tsunami, Volcanic Eruption: 10% of Claim, minimum Rp. 200,000.
* Terrorism & Sabotage:
1) 5% of SI for a total loss,
2) USD. 200,000 for partial loss
* Strike, Riot, Civil Commotion:
1) 5% of SI for the total loss
2) USD. 200,000 for partial loss
Commercial Motor Vehicle Claims Procedures
* Report the claim no later than 3 x 24 hours (weekdays) since the incident.
* Reporting to verbally, via telephone or via letter, addressed to the General Takaful Insurance Co. claims nearby.
* Bring a copy of the document claim repayment of the premium, the SIM copy the driver, copy of vehicle registration, and a copy of the Motor Vehicle Insurance Policy.
* For cases involving third parties (TPL) and some cases of theft or partial loss, must be equipped Ash Local police report.
* In emergency conditions and events outside working hours, can contact the nearest Partners Workshop.
Determine Car Insurance Tips
Determine Car Insurance Tips
Often, clients simply chase car insurance premium rates are cheap. Intense competition is making insurance company car insurance product pricing slamming each other. But if MDers more observant, these companies can not necessarily guarantee good service.
Furthermore, MDers also could examine the packages offered. Good car insurance usually have enough collateral. Although this is not apart from the ability of customers' premium payments, but berimbangnya package price with the extent of warranty, so one of the benchmarks of good company. In addition, car insurance companies like these have supported a qualified network. This is why they can offer better than other companies. Moreover, the network becomes the proof of soundness of insurance companies.
Although many insurance companies to grow, it is not easy to determine the required automobile insurance company. The reason, almost all companies offer a premium product with promise. Medium companies offer easy disbursement of claims. Then, like any decent company MDers use?
Check for Insurance Companies
In addition to gaining information about the policy, MDers also have to check car insurance company in terms of company health. Some companies show high-quality performance, from start-storey building, car flashy directors who, until a charming smile of marketing. In fact, when MDers making claims, companies can not afford it.
That way, MDers need to find information out about the bonafides of the car insurance company. Easily, MDers can check their financial balance sheet is announced in the newspaper. From this data, companies can see the balance of payment of claims on its customers, the amount of debt, and corporate profits. If the figures show a good value, MDers not have to hesitate to customers.
The good, before determining the best car insurance company, MDers seek clarification about the facilities or added value of purchasing the policy, such as support for a tow truck, service, mechanic, until a replacement car. Tanya is also a mechanism to get that support, including if MDers any time change his mind replacing certain facilities.
Often, clients simply chase car insurance premium rates are cheap. Intense competition is making insurance company car insurance product pricing slamming each other. But if MDers more observant, these companies can not necessarily guarantee good service.
Furthermore, MDers also could examine the packages offered. Good car insurance usually have enough collateral. Although this is not apart from the ability of customers' premium payments, but berimbangnya package price with the extent of warranty, so one of the benchmarks of good company. In addition, car insurance companies like these have supported a qualified network. This is why they can offer better than other companies. Moreover, the network becomes the proof of soundness of insurance companies.
Although many insurance companies to grow, it is not easy to determine the required automobile insurance company. The reason, almost all companies offer a premium product with promise. Medium companies offer easy disbursement of claims. Then, like any decent company MDers use?
Check for Insurance Companies
In addition to gaining information about the policy, MDers also have to check car insurance company in terms of company health. Some companies show high-quality performance, from start-storey building, car flashy directors who, until a charming smile of marketing. In fact, when MDers making claims, companies can not afford it.
That way, MDers need to find information out about the bonafides of the car insurance company. Easily, MDers can check their financial balance sheet is announced in the newspaper. From this data, companies can see the balance of payment of claims on its customers, the amount of debt, and corporate profits. If the figures show a good value, MDers not have to hesitate to customers.
The good, before determining the best car insurance company, MDers seek clarification about the facilities or added value of purchasing the policy, such as support for a tow truck, service, mechanic, until a replacement car. Tanya is also a mechanism to get that support, including if MDers any time change his mind replacing certain facilities.
My Car Insurance
My Car Insurance
Next month it was time for me to extend the car insurance. That means one more expenditure items should I prepare. In my heart I'd like to not renew my car insurance, but I hesitated.
Many doubt, then if there are accidents how? If it were stolen or tampered with people who want to replace? Unfortunately even when scratched while parked, would not re-paint cost more expensive than his insurance?
Other parts of my brain told me this, so that if something happens, if not there is a problem how?
My right brain answered again, who knows the disaster will occur or not?
So I decide to keep my insurance extend it. I thought, my car insurance even though it meant one more expenditure items which must be drawn, at least I can still afford it. If there is a risk and I do not have car insurance, I certainly more difficult to pay the repairs or even if my car lost should buy a new car.
Then I remembered with my life insurance, not whether my soul is more expensive than the car? As difficult as any to find money to repair the car if I do not have car insurance, at least I can still find the money. But if there is a risk with my life, whether sick or even die, who will make money for my family?
Many doubt, then if there are accidents how? If it were stolen or tampered with people who want to replace? Unfortunately even when scratched while parked, would not re-paint cost more expensive than his insurance?
Other parts of my brain told me this, so that if something happens, if not there is a problem how?
My right brain answered again, who knows the disaster will occur or not?
So I decide to keep my insurance extend it. I thought, my car insurance even though it meant one more expenditure items which must be drawn, at least I can still afford it. If there is a risk and I do not have car insurance, I certainly more difficult to pay the repairs or even if my car lost should buy a new car.
Then I remembered with my life insurance, not whether my soul is more expensive than the car? As difficult as any to find money to repair the car if I do not have car insurance, at least I can still find the money. But if there is a risk with my life, whether sick or even die, who will make money for my family?
DEFINITION AND BENEFITS OF CAR INSURANCE
DEFINITION AND BENEFITS OF CAR INSURANCE
Is this insurance?
When we think about insurance, the first thought is free from financial losses due to unexpected accidents coming. Because the purpose of insurance is basically to reduce the uncertainty of the possibility of unexpected losses. In general, insurance is defined as an agreement where a person makes a bond with an insured to receive a premium to provide reimbursement to him for any loss, damage, or loss which may be experienced due to unforeseen events.
What insurance benefits?
Insurance is known in Indonesia include life insurance, general insurance and health insurance. Insurance is insurance that protects the property and its contents such as houses, apartments, cars and others.
Car insurance is intended to protect from the threat of unforeseen hazards such as collision, theft of car parts or even the car itself is stolen. By protecting a car with insurance, we can drive a car with a sense of calm and safe to travel anywhere.
Types of car insurance coverage consists of:
car insurance vehicle
Combined Insurance (Comprehensive) or All Risk
Guarantee losses resulting from major and minor accidents or loss with the imposition of additional equipment / vehicle destruction or loss.
car insurance vehicle
Insurance Losses Total (Total Loss Only / TLO)
Guarantee losses resulting from accidents with minimum damage to 75% of the sum insured or the vehicle is lost.
In addition to the basic protections such as the above, car insurance also provides liability insurance expansion such as the law against third parties and passengers, riots (Strike, Riot and Civil Commotion), Natural Disasters (Act of God), etc.. To learn more about the various terms in the fields of insurance, you can see on the page Glossary of Insurance.
At present, it is very easy for you to obtain car insurance an attractive and appropriate to the needs of as many insurance companies in Indonesia are competing by offering interesting programs. More and more people are insured indicates that the awareness to protect the price of their items from the possibility of danger is getting better.
Insurance companies in the country now compete to provide the best service for the community, both in terms of programs to claim problems.
Is this insurance?
When we think about insurance, the first thought is free from financial losses due to unexpected accidents coming. Because the purpose of insurance is basically to reduce the uncertainty of the possibility of unexpected losses. In general, insurance is defined as an agreement where a person makes a bond with an insured to receive a premium to provide reimbursement to him for any loss, damage, or loss which may be experienced due to unforeseen events.
What insurance benefits?
Insurance is known in Indonesia include life insurance, general insurance and health insurance. Insurance is insurance that protects the property and its contents such as houses, apartments, cars and others.
Car insurance is intended to protect from the threat of unforeseen hazards such as collision, theft of car parts or even the car itself is stolen. By protecting a car with insurance, we can drive a car with a sense of calm and safe to travel anywhere.
Types of car insurance coverage consists of:
car insurance vehicle
Combined Insurance (Comprehensive) or All Risk
Guarantee losses resulting from major and minor accidents or loss with the imposition of additional equipment / vehicle destruction or loss.
car insurance vehicle
Insurance Losses Total (Total Loss Only / TLO)
Guarantee losses resulting from accidents with minimum damage to 75% of the sum insured or the vehicle is lost.
In addition to the basic protections such as the above, car insurance also provides liability insurance expansion such as the law against third parties and passengers, riots (Strike, Riot and Civil Commotion), Natural Disasters (Act of God), etc.. To learn more about the various terms in the fields of insurance, you can see on the page Glossary of Insurance.
At present, it is very easy for you to obtain car insurance an attractive and appropriate to the needs of as many insurance companies in Indonesia are competing by offering interesting programs. More and more people are insured indicates that the awareness to protect the price of their items from the possibility of danger is getting better.
Insurance companies in the country now compete to provide the best service for the community, both in terms of programs to claim problems.
BASIC PRINCIPLES OF INSURANCE
BASIC PRINCIPLES OF INSURANCE
In the insurance world there are 6 basic principles that must be met, namely insurable interest, Utmost good faith, proximate cause, indemnity, subrogation and contribution.
Insurable interest
The right to insure, arising from a financial relationship, between the insured with the insured and legally recognized.
Utmost good faith
An action to disclose accurately and completely, all facts material (material fact) about something that will be insured both solicited and unsolicited.
The meaning is: the insurer must honestly explain clearly everything about the scope of terms and conditions of insurance and the insured must also provide clear and accurate description of the objects or interests of the insured.
Proximate cause
is a cause of active, efficient cause a train of events that lead to a result without the intervention of which started and working actively from a new and independent sources.
Indemnity
A mechanism by which the insurer provides financial compensation to put the insured in a financial position that he had immediately before the loss (Commercial code article 252, 253 and confirmed in article 278).
Subrogation
The transfer of demand from the insured to the insurer after a claim is paid.
Contribution
While the insurer the right to invite any other person equally bear, but not necessarily the same obligations to the insured to participate provide indemnity.
In the insurance world there are 6 basic principles that must be met, namely insurable interest, Utmost good faith, proximate cause, indemnity, subrogation and contribution.
Insurable interest
The right to insure, arising from a financial relationship, between the insured with the insured and legally recognized.
Utmost good faith
An action to disclose accurately and completely, all facts material (material fact) about something that will be insured both solicited and unsolicited.
The meaning is: the insurer must honestly explain clearly everything about the scope of terms and conditions of insurance and the insured must also provide clear and accurate description of the objects or interests of the insured.
Proximate cause
is a cause of active, efficient cause a train of events that lead to a result without the intervention of which started and working actively from a new and independent sources.
Indemnity
A mechanism by which the insurer provides financial compensation to put the insured in a financial position that he had immediately before the loss (Commercial code article 252, 253 and confirmed in article 278).
Subrogation
The transfer of demand from the insured to the insurer after a claim is paid.
Contribution
While the insurer the right to invite any other person equally bear, but not necessarily the same obligations to the insured to participate provide indemnity.
Understanding Insurance
Understanding Insurance
INSURANCE
Insurance is one form of risk control by way of transfer / transfer risk from one party to another party in this case is an insurance company.
What is the meaning of insurance?
According to the Commercial code article 246 that "the insurance or coverage is an agreement by which an insurer is binding to an insured, to receive a premium, for reimbursement to him for any damage or loss of expected benefits that might be experienced as an event that is not necessarily" . Understanding other insurance is a risk of first-party delegation to the delegation lain.Dalam controlled by the rule of law and enactment of the principles and teachings that are universally adopted by the first or the lain.Dari terms of economics, insurance means a collection of funds that can be used to cover or provide redress to persons who suffered losses.
What are the benefits of insurance?
Besides as a form of risk (financially), insurance also has a variety of benefits which are classified into: the main function, the function of secondary and primary tambahan.Fungsi function is as a transfer of insurance risk, premium collection and a balanced fund. Insurance secondary function is to stimulate business growth, prevent loss, damage control, have social benefits and as savings. While insurance is an additional function as investment funds and invisible earnings.
Are all risks can be insured?
Not all risks can be insured. Risk-risk that can be insured is: the risk that can be measured with money, homogeneous risk (the risk the same and pretty much guaranteed by insurance), pure risk (the risk is not profitable), particular risk (the risk of individual sources), the risk that occur suddenly (accidental), insurable interest (the insured has an interest in the insured object) and the risk that is not contrary to law.
INSURANCE
Insurance is one form of risk control by way of transfer / transfer risk from one party to another party in this case is an insurance company.
What is the meaning of insurance?
According to the Commercial code article 246 that "the insurance or coverage is an agreement by which an insurer is binding to an insured, to receive a premium, for reimbursement to him for any damage or loss of expected benefits that might be experienced as an event that is not necessarily" . Understanding other insurance is a risk of first-party delegation to the delegation lain.Dalam controlled by the rule of law and enactment of the principles and teachings that are universally adopted by the first or the lain.Dari terms of economics, insurance means a collection of funds that can be used to cover or provide redress to persons who suffered losses.
What are the benefits of insurance?
Besides as a form of risk (financially), insurance also has a variety of benefits which are classified into: the main function, the function of secondary and primary tambahan.Fungsi function is as a transfer of insurance risk, premium collection and a balanced fund. Insurance secondary function is to stimulate business growth, prevent loss, damage control, have social benefits and as savings. While insurance is an additional function as investment funds and invisible earnings.
Are all risks can be insured?
Not all risks can be insured. Risk-risk that can be insured is: the risk that can be measured with money, homogeneous risk (the risk the same and pretty much guaranteed by insurance), pure risk (the risk is not profitable), particular risk (the risk of individual sources), the risk that occur suddenly (accidental), insurable interest (the insured has an interest in the insured object) and the risk that is not contrary to law.
Register Your Car on Car Insurance
Register Your Car on Car Insurance
Every human action could pose a risk. This risk depends on a variety / of deeds a person does. In terms of insurance, risk is the possibility of loss that will be experienced by a person who caused the harm that might occur but is not known when the happening and what will happen.
Therefore we need to "Sedia Umbrella Before Rain". To address these risks we need adequate preparation and protection. Thus the importance of insurance more visible when someone overwritten calamity, catastrophe is undesirable for everyone. But who could resist such a disaster if the occurrence of social unrest or a flood that occurred some time ago in Jakarta, is not believed to appear in front of the eye. Unaccounted losses that must be borne by society due to the disaster. So be grateful, if you happen to take out, do not bother looking for money to repair damaged homes or cars that crashed due to flood hit just submit claims to insurance companies, you will receive compensation.
With the frequent occurrence of natural disasters such as floods and fires in Jakarta and a number of areas in the country, make people or businesses begin to look to insurance as the main option for reducing losses from risks that may occur in the future. This phenomenon can not be separated from the situation and conditions in Indonesia today, and the level of public awareness of the usefulness of insurance that is getting better.
Risk does not only happen on investment. View current flood disaster, makes many people miserable, from the loss of property and even lives. What can I say, floods have occurred anyway. However, the risk including the risk of flooding - not unusual disiasati. At least, that risk can be transferred to another party. Dus, Do not be surprised, if there are some circles that despite the loss of property, ranging from cars to home furnishings, seemed calm and steady. These circles may have moved risk to the insurance company. So, insurance companies who will bear the risk that experienced earlier.
Insurance program is actually not new. Various people understand insurance as a financial institution's risk management is required. However, awareness to follow the insurance program is not owned by everyone. Usually, after a "hit rock" new people are aware that insurance is important. Likewise, there was no word late. Thus, for the same risks do not need to happen again, or do not need your own is a good idea to consider insurance program.
With insurance program means you have shifted the risk to other parties. For the risks that you must be diverted to pay the premium depends on the amount of risk transferred and manfaaat who want to obtain. In prektiknya, various kinds of insurance. However, in this paper only discussed three types of insurance, ie health insurance, life insurance and general insurance. then, what aspects should be considered in selecting an insurance program.
It has now been established as many as 172 insurance companies, consisting of 107 general insurance companies, 4 re-insurance companies and 61 life insurance companies.
But with many companies in the insurance industry will certainly add intense competition in it. With increasing competition in the insurance business, insurers are several ways to attract customers. In addition to introducing its products through various promotions, many companies that package the new product for the public increasingly interested in investing their funds into insurance.
Furthermore, one can guess that with the increasing number of firms in an industry, competition can be headed toward an unhealthy competition. The most often heard the tariff war between insurance companies, where they continue to lower the rate is respectively even though the goal remains the same.
The question is, will the insurance company will be able to pay claims if a small premium income due to reduced tax rates. While premium income under the law of large numbers. More and more customers are collected, the more premiums earned and the greater the company's ability to pay claims. And again, is necessary for customers to feel suspicious when you get an offer with low price. "Although in the short term, the consumer wins. But long term it will harm the customer itself, where this involves the readiness of companies to pay claims. So if customers were told to choose, they expect good service and satisfying than the premiums are cheap but difficult claims. Because something that cheapest is not necessarily the best.
Is this insurance?
When we think about insurance, the first thought is free from financial losses due to unexpected accidents coming. Because the purpose of insurance is basically to reduce the uncertainty of the possibility of unexpected losses. In general, insurance is defined as an agreement where a person makes a bond with an insured to receive a premium to provide reimbursement to him for any loss, damage, or loss which may be experienced due to unforeseen events.
What insurance benefits?
Insurance is known in Indonesia include life insurance, general insurance and health insurance. Insurance is insurance that protects the property and its contents such as houses, apartments, cars and others.
Car insurance is intended to protect from the threat of unforeseen hazards such as collision, theft of car parts or even the car itself is stolen. By protecting a car with insurance, we can drive a car with a sense of calm and safe to travel anywhere.
Types of car insurance coverage consists of:
Combined Insurance (Comprehensive) or All Risk
Guarantee losses resulting from major and minor accidents or loss with the imposition of additional equipment / vehicle destruction or loss.
car insurance vehicle
Insurance Losses Total (Total Loss Only / TLO)
Guarantee losses resulting from accidents with minimum damage to 75% of the sum insured or the vehicle is lost.
In addition to the basic protections such as the above, car insurance also provides liability insurance expansion such as the law against third parties and passengers, riots (Strike, Riot and Civil Commotion), Natural Disasters (Act of God), etc.. To learn more about the various terms in the fields of insurance, you can see on the page Glossary of Insurance.
At present, it is very easy for you to obtain car insurance an attractive and appropriate to the needs of as many insurance companies in Indonesia are competing by offering interesting programs. More and more people are insured indicates that the awareness to protect the price of their items from the possibility of danger is getting better.
Insurance companies in the country now compete to provide the best service for the community, both in terms of programs to claim problems.
Therefore we need to "Sedia Umbrella Before Rain". To address these risks we need adequate preparation and protection. Thus the importance of insurance more visible when someone overwritten calamity, catastrophe is undesirable for everyone. But who could resist such a disaster if the occurrence of social unrest or a flood that occurred some time ago in Jakarta, is not believed to appear in front of the eye. Unaccounted losses that must be borne by society due to the disaster. So be grateful, if you happen to take out, do not bother looking for money to repair damaged homes or cars that crashed due to flood hit just submit claims to insurance companies, you will receive compensation.
With the frequent occurrence of natural disasters such as floods and fires in Jakarta and a number of areas in the country, make people or businesses begin to look to insurance as the main option for reducing losses from risks that may occur in the future. This phenomenon can not be separated from the situation and conditions in Indonesia today, and the level of public awareness of the usefulness of insurance that is getting better.
Risk does not only happen on investment. View current flood disaster, makes many people miserable, from the loss of property and even lives. What can I say, floods have occurred anyway. However, the risk including the risk of flooding - not unusual disiasati. At least, that risk can be transferred to another party. Dus, Do not be surprised, if there are some circles that despite the loss of property, ranging from cars to home furnishings, seemed calm and steady. These circles may have moved risk to the insurance company. So, insurance companies who will bear the risk that experienced earlier.
Insurance program is actually not new. Various people understand insurance as a financial institution's risk management is required. However, awareness to follow the insurance program is not owned by everyone. Usually, after a "hit rock" new people are aware that insurance is important. Likewise, there was no word late. Thus, for the same risks do not need to happen again, or do not need your own is a good idea to consider insurance program.
With insurance program means you have shifted the risk to other parties. For the risks that you must be diverted to pay the premium depends on the amount of risk transferred and manfaaat who want to obtain. In prektiknya, various kinds of insurance. However, in this paper only discussed three types of insurance, ie health insurance, life insurance and general insurance. then, what aspects should be considered in selecting an insurance program.
It has now been established as many as 172 insurance companies, consisting of 107 general insurance companies, 4 re-insurance companies and 61 life insurance companies.
But with many companies in the insurance industry will certainly add intense competition in it. With increasing competition in the insurance business, insurers are several ways to attract customers. In addition to introducing its products through various promotions, many companies that package the new product for the public increasingly interested in investing their funds into insurance.
Furthermore, one can guess that with the increasing number of firms in an industry, competition can be headed toward an unhealthy competition. The most often heard the tariff war between insurance companies, where they continue to lower the rate is respectively even though the goal remains the same.
The question is, will the insurance company will be able to pay claims if a small premium income due to reduced tax rates. While premium income under the law of large numbers. More and more customers are collected, the more premiums earned and the greater the company's ability to pay claims. And again, is necessary for customers to feel suspicious when you get an offer with low price. "Although in the short term, the consumer wins. But long term it will harm the customer itself, where this involves the readiness of companies to pay claims. So if customers were told to choose, they expect good service and satisfying than the premiums are cheap but difficult claims. Because something that cheapest is not necessarily the best.
Is this insurance?
When we think about insurance, the first thought is free from financial losses due to unexpected accidents coming. Because the purpose of insurance is basically to reduce the uncertainty of the possibility of unexpected losses. In general, insurance is defined as an agreement where a person makes a bond with an insured to receive a premium to provide reimbursement to him for any loss, damage, or loss which may be experienced due to unforeseen events.
What insurance benefits?
Insurance is known in Indonesia include life insurance, general insurance and health insurance. Insurance is insurance that protects the property and its contents such as houses, apartments, cars and others.
Car insurance is intended to protect from the threat of unforeseen hazards such as collision, theft of car parts or even the car itself is stolen. By protecting a car with insurance, we can drive a car with a sense of calm and safe to travel anywhere.
Types of car insurance coverage consists of:
Combined Insurance (Comprehensive) or All Risk
Guarantee losses resulting from major and minor accidents or loss with the imposition of additional equipment / vehicle destruction or loss.
car insurance vehicle
Insurance Losses Total (Total Loss Only / TLO)
Guarantee losses resulting from accidents with minimum damage to 75% of the sum insured or the vehicle is lost.
In addition to the basic protections such as the above, car insurance also provides liability insurance expansion such as the law against third parties and passengers, riots (Strike, Riot and Civil Commotion), Natural Disasters (Act of God), etc.. To learn more about the various terms in the fields of insurance, you can see on the page Glossary of Insurance.
At present, it is very easy for you to obtain car insurance an attractive and appropriate to the needs of as many insurance companies in Indonesia are competing by offering interesting programs. More and more people are insured indicates that the awareness to protect the price of their items from the possibility of danger is getting better.
Insurance companies in the country now compete to provide the best service for the community, both in terms of programs to claim problems.
Favorite Female Car Insurance
Favorite Female Car Insurance
Many people are still reluctant to use the services of insurance to protect their vehicles. Though insurance is very helpful when something happens with the vehicle, whether it's a collision or a lightweight like keserempet.
Well in the eyes of Indonesian women, there is one name that is a favorite of insurance namely Garda Oto. It's based on a survey that was held MarkPlus. Inc. Magazine and Marketeers.
At least there are 80 different categories researched in this survey. In the category of Motor Vehicle Insurance, Garda Oto been a favorite of 22% of respondents, while other insurance each only elected by less than 10% of respondents.
This survey focused on women because along with the times, women in Indonesia at the same time acting as the financial manager as decision maker on all purchases.
The survey was conducted on 1300 women in eight cities namely Jakarta, Bandung, Semarang, Surabaya, Makassar, Medan, Denpasar and Palembang. Respondents who were taken were women with an age range that are considered potential as a decision maker that is 16-50 years. This survey involves women working and not working, those who are single and married and comes from the social economic status of AD.
According to the analysis MarkPlus. Inc. Magazine and Marketeers, Garda Oto chosen because it is considered as a reliable insurance company with leading service.
"Indonesian women are now increasingly critical, precision is necessary in choosing the right insurance. One of the key considerations in choosing a car insurance is an easy claim," said Director of Insurance Astra Hendry Yoga, Saturday (07/24/2010).
Many people are still reluctant to use the services of insurance to protect their vehicles. Though insurance is very helpful when something happens with the vehicle, whether it's a collision or a lightweight like keserempet.
Well in the eyes of Indonesian women, there is one name that is a favorite of insurance namely Garda Oto. It's based on a survey that was held MarkPlus. Inc. Magazine and Marketeers.
At least there are 80 different categories researched in this survey. In the category of Motor Vehicle Insurance, Garda Oto been a favorite of 22% of respondents, while other insurance each only elected by less than 10% of respondents.
This survey focused on women because along with the times, women in Indonesia at the same time acting as the financial manager as decision maker on all purchases.
The survey was conducted on 1300 women in eight cities namely Jakarta, Bandung, Semarang, Surabaya, Makassar, Medan, Denpasar and Palembang. Respondents who were taken were women with an age range that are considered potential as a decision maker that is 16-50 years. This survey involves women working and not working, those who are single and married and comes from the social economic status of AD.
According to the analysis MarkPlus. Inc. Magazine and Marketeers, Garda Oto chosen because it is considered as a reliable insurance company with leading service.
"Indonesian women are now increasingly critical, precision is necessary in choosing the right insurance. One of the key considerations in choosing a car insurance is an easy claim," said Director of Insurance Astra Hendry Yoga, Saturday (07/24/2010).
History of Car Insurance
History of Car Insurance
Damage to favorite retro car accident is difficult to avoid.
Order and caution that we've done does not guarantee that the car's favorite retro free from accidents.
This can occur because when the car was on the highway, there are many factors that influence each other, for example, poor road conditions, driver behavior, weather factors and others. One of the efforts that are offered to protect him is "insurance".
When thinking about insurance, the first thought is "free from financial losses" due to the arrival of unexpected accidents. Because the purpose of insurance is basically to reduce the uncertainty of the possibility of unexpected losses.
In general, insurance is defined as an agreement where a person makes a bond with an insured to receive a premium to provide reimbursement to him for any loss, damage, or loss which may be experienced due to unexpected events
How to develop insurance history up to now?. Humans in general does have an instinct for always trying to save his soul from various threats. One of history on this issue stated in the Qur'an verses Joseph Letter 43-49 and the Old Testament Bible Genesis 41.
It is reported about one of the king in the land of Egypt, who had a dream saw seven cattle thin each swallow a fat cow.
In the second dream the King saw an empty seven-grain wheat. U. S. Joseph asked to interpret the dream and explained that Egypt will experience seven consecutive years of fertile wheat harvest and then the next seven years in a row will be experienced during a famine.
For that NabiYusuf U.S. giving has been suggested, so when the harvest is abundant, most harvest is reserved for the famine that will come.
In addition, an ancient book from India called "Rig Veda" written in Sanskrit language mention the history of the "Yoga Kshema" meaning coverage.
History above is the proof that people always think about and prepare for his future life.
In addition, circa 2250 BC, where the Babylonians lived in the area Euphrat and Tigris river valleys (now a region of Iraq), if there is a boat owner needs funds to operate the boat or doing a trading business, he can borrow money from a merchant ( creditors) by using the ship as collateral with the agreement that the ship owners exempt from paying its debts if the ship survived until the goal, in addition to a sum of money as compensation for risk that has been borne by the lender.
Additional fees may be treated the same as "cash premium" which is known in insurance now.
As for the special insurance history of transportation, can be traced back to ancient China.
When Chinese people to form new colonies, they often send a cargo ship full of supplies across the Atlantic.
Cargo ship is usually owned by a group of investors. Sometimes, owners of cargo ships due to loss of a ship sinking or piracy. In order to protect the ship and cargo, these investors take collateral from one particular company.
Now this way is known as marine insurance, this type of policy is still an effective way to protect ships and cargo they carry.
Car insurance is actually the other models of marine insurance. Car insurance was developed after the policy makers decided that the operation of publicly owned motor vehicle is a privilege.
With this policy, the automobile and motorcycle riders are required to buy insurance to protect innocent third parties against injury or damage suffered.
First car insurance policy, which offers liability coverage written by a British company in 1895. While in the United States in 1898 and was written for Dr. Truman J. Martin.
Compulsory automobile insurance applied for the first time in Massachusetts in 1927, although some previous decades has been running the car insurance. In fact, if traced further, insurance policies have been there a hundred years before the introduction of motor vehicles in the United States in 1908.
Today, in every state in the United States auto insurance is an obligation that must be met by the owners of the vehicle. Although car insurance liabilities from one State and another State is different, but stick with one goal which is to protect innocent victims from harm. Unfortunately, not all vehicle owners to obey the law of that State.
There is a misperception that car insurance is considered as one form of waste.
In fact with the insurance, vehicle owners can save a lot of costs when involved in a car accident. In many countries, automobile insurance applicable to all types of car and driver, to protect from physical damage caused by your vehicle and other vehicles that you may come into contact with your vehicle.
Car insurance also offers protection obligations. That is, if you have an accident and causing others injured, your car insurance policy will cover some costs of their treatment. Liability car insurance can also provide protection against damage to property belonging to you or other people who are victims of accidents.
Damage to favorite retro car accident is difficult to avoid.
Order and caution that we've done does not guarantee that the car's favorite retro free from accidents.
This can occur because when the car was on the highway, there are many factors that influence each other, for example, poor road conditions, driver behavior, weather factors and others. One of the efforts that are offered to protect him is "insurance".
When thinking about insurance, the first thought is "free from financial losses" due to the arrival of unexpected accidents. Because the purpose of insurance is basically to reduce the uncertainty of the possibility of unexpected losses.
In general, insurance is defined as an agreement where a person makes a bond with an insured to receive a premium to provide reimbursement to him for any loss, damage, or loss which may be experienced due to unexpected events
How to develop insurance history up to now?. Humans in general does have an instinct for always trying to save his soul from various threats. One of history on this issue stated in the Qur'an verses Joseph Letter 43-49 and the Old Testament Bible Genesis 41.
It is reported about one of the king in the land of Egypt, who had a dream saw seven cattle thin each swallow a fat cow.
In the second dream the King saw an empty seven-grain wheat. U. S. Joseph asked to interpret the dream and explained that Egypt will experience seven consecutive years of fertile wheat harvest and then the next seven years in a row will be experienced during a famine.
For that NabiYusuf U.S. giving has been suggested, so when the harvest is abundant, most harvest is reserved for the famine that will come.
In addition, an ancient book from India called "Rig Veda" written in Sanskrit language mention the history of the "Yoga Kshema" meaning coverage.
History above is the proof that people always think about and prepare for his future life.
In addition, circa 2250 BC, where the Babylonians lived in the area Euphrat and Tigris river valleys (now a region of Iraq), if there is a boat owner needs funds to operate the boat or doing a trading business, he can borrow money from a merchant ( creditors) by using the ship as collateral with the agreement that the ship owners exempt from paying its debts if the ship survived until the goal, in addition to a sum of money as compensation for risk that has been borne by the lender.
Additional fees may be treated the same as "cash premium" which is known in insurance now.
As for the special insurance history of transportation, can be traced back to ancient China.
When Chinese people to form new colonies, they often send a cargo ship full of supplies across the Atlantic.
Cargo ship is usually owned by a group of investors. Sometimes, owners of cargo ships due to loss of a ship sinking or piracy. In order to protect the ship and cargo, these investors take collateral from one particular company.
Now this way is known as marine insurance, this type of policy is still an effective way to protect ships and cargo they carry.
Car insurance is actually the other models of marine insurance. Car insurance was developed after the policy makers decided that the operation of publicly owned motor vehicle is a privilege.
With this policy, the automobile and motorcycle riders are required to buy insurance to protect innocent third parties against injury or damage suffered.
First car insurance policy, which offers liability coverage written by a British company in 1895. While in the United States in 1898 and was written for Dr. Truman J. Martin.
Compulsory automobile insurance applied for the first time in Massachusetts in 1927, although some previous decades has been running the car insurance. In fact, if traced further, insurance policies have been there a hundred years before the introduction of motor vehicles in the United States in 1908.
Today, in every state in the United States auto insurance is an obligation that must be met by the owners of the vehicle. Although car insurance liabilities from one State and another State is different, but stick with one goal which is to protect innocent victims from harm. Unfortunately, not all vehicle owners to obey the law of that State.
There is a misperception that car insurance is considered as one form of waste.
In fact with the insurance, vehicle owners can save a lot of costs when involved in a car accident. In many countries, automobile insurance applicable to all types of car and driver, to protect from physical damage caused by your vehicle and other vehicles that you may come into contact with your vehicle.
Car insurance also offers protection obligations. That is, if you have an accident and causing others injured, your car insurance policy will cover some costs of their treatment. Liability car insurance can also provide protection against damage to property belonging to you or other people who are victims of accidents.
Choose Carefully Car Insurance
Choose Carefully Car Insurance
A growing number of car insurance products offered. Therefore, the principle carefully before buying, it should be applied, so as not to regret in the future.
Before deciding to choose one of several car insurance products offered:
1. Determine the type of insurance coverage desired. Overall protection (All Risk) provides the best protection, but you need to take into account the economic side.
2. Do not be fixated on the size of the premium to be paid. See the company's credibility, especially in terms of service, claims handling and financial capability.
3. Many insurance companies are credible and bona fide, though without the support of re-insurance company. But there's no harm in finding out the track record of re-insurance company (if any).
4. Does the company provide additional benefits, such as 24-hour claim service, free towing, insurance claim process 24 hours, etc?
5. It is better you see the company's partner shop network. How much, where it is located and how the quality of these workshops.
6. Understand exactly everything what your rights and obligations. What should you do and what not. Are there any exceptions in the policy contract, any profit you have to lose?
A growing number of car insurance products offered. Therefore, the principle carefully before buying, it should be applied, so as not to regret in the future.
Before deciding to choose one of several car insurance products offered:
1. Determine the type of insurance coverage desired. Overall protection (All Risk) provides the best protection, but you need to take into account the economic side.
2. Do not be fixated on the size of the premium to be paid. See the company's credibility, especially in terms of service, claims handling and financial capability.
3. Many insurance companies are credible and bona fide, though without the support of re-insurance company. But there's no harm in finding out the track record of re-insurance company (if any).
4. Does the company provide additional benefits, such as 24-hour claim service, free towing, insurance claim process 24 hours, etc?
5. It is better you see the company's partner shop network. How much, where it is located and how the quality of these workshops.
6. Understand exactly everything what your rights and obligations. What should you do and what not. Are there any exceptions in the policy contract, any profit you have to lose?
Car Insurance for You
Car Insurance for You
1. Quality Check in advance who will be selected insurance including insurance category that has received predicate Best General Insurance, Indonesian Best Brand Award, Indonesian Customer Satisfaction Award. Because with this certification has been clearly demonstrated that this insurance is reliable, trustworthy, and proven responsible claims of responsibility in serving customers.
4. The result of applying the Work Many insurance rates cheap, but what if the work shop partner is not qualified and do not satisfy the customer. Sometimes paint your car look even striped Betong make your car's body image as if it had tremendous impact, this would make the value of your car sales slump. Although the customer can complain to the insurance, but how long the loss of your time wasted. Pay attention to this and select the insurance with a trusted partner workshops and official (authorized). Remember you are an asset vehicle valuable, do not Sepelekan using dubious insurance services only because premium price difference a few dollars only.
Nevitably, a prolonged economic crisis that happened, it was felt difficult by almost all sectors of activity business. This condition is becoming increasingly difficult, if companies have to bear the risks that may occur over assets supporting activities. Therefore, now is the time to transfer risk to the company insurance underwriting risk. But choosing a car insurance is sometimes tricky.
1. Quality Check in advance who will be selected insurance including insurance category that has received predicate Best General Insurance, Indonesian Best Brand Award, Indonesian Customer Satisfaction Award. Because with this certification has been clearly demonstrated that this insurance is reliable, trustworthy, and proven responsible claims of responsibility in serving customers.
2. Cost Own Risk (Own Risk) Sometimes commute to garage insurance is also something that makes lazy customers, especially some insurance apply claim with the payment system OR (Own Risk) or the deductible on average Rp. There are 100,000 .- based on per incident, per collision, and so forth. Of course this makes you burdened with having to many the cost of claims to pay OR if frequent trips to the garage that is not necessarily the result of insurance machine shop work done by satisfying the customer for a mock workshop or non-authorized. There good for a very busy and lazy to go back and forth to the garage insurance, we recommend choosing insurance to receive 1 (one) time only claim but a collection of some conflict / collisions in the event different, so maybe in a year just 1 time and enough insurance to pay repair OR body once your car smoothly back because done by a reliable repair shop or authorized repair shop (authorized). Efficient and efficient.
3. The process of Claim As to the insurance claim process should be examined first, there are some insurance
car when the customer receives the claim process so convoluted, this should be is, be it is waiting surveyornya
ready lah, sometimes have to argue first time in the survey. Not yet at times it took several days just to wait SPK (Work Order) issued by the insurance company for the repair shop could fix our car. Things like this sometimes customers feel ignored and much time wasted just to wait piece of paper / letter. Leave a process like this is already old, you should select the insurance that is not complicated when the claim, less than 30 minutes faster SPK already in your hands so you stay determine when to shop insurance.
car when the customer receives the claim process so convoluted, this should be is, be it is waiting surveyornya
ready lah, sometimes have to argue first time in the survey. Not yet at times it took several days just to wait SPK (Work Order) issued by the insurance company for the repair shop could fix our car. Things like this sometimes customers feel ignored and much time wasted just to wait piece of paper / letter. Leave a process like this is already old, you should select the insurance that is not complicated when the claim, less than 30 minutes faster SPK already in your hands so you stay determine when to shop insurance.
4. The result of applying the Work Many insurance rates cheap, but what if the work shop partner is not qualified and do not satisfy the customer. Sometimes paint your car look even striped Betong make your car's body image as if it had tremendous impact, this would make the value of your car sales slump. Although the customer can complain to the insurance, but how long the loss of your time wasted. Pay attention to this and select the insurance with a trusted partner workshops and official (authorized). Remember you are an asset vehicle valuable, do not Sepelekan using dubious insurance services only because premium price difference a few dollars only.
5. Spare Parts (Spare Parts) Spare parts are parts most important in your car, make sure the insurance guarantee genuine spare parts used and warranty. Be careful with This insurance does not guarantee that fatal consequences.
6. Responsibilities of the Third Party (TJH / TPL) and PA (Personal Accident) This feature should be observed carefully, because when a collision accident - an example crashing motorcycle - often the 3rd party even more severe damage than us. Here the role of this feature is required, should select the insurance with the responsibility of a major third party so that you are not burdened with extra costs. Likewise with personal accident protection features driver / passenger, it is also very necessary. Select insurance which is included with this feature.
7. Free Services 24 Hour Protection is a very important thing when we choose car insurance, car insurance that many rely on and provide cheap rates protection service only but very unsatisfactory, not 24 hour service, no telephone service difficult contacted even sometimes nothing is said, sometimes also very limited areas of protection at all, sometimes even just city central area only. Out of the Greater you can ketar-ketir if there is a problem with the car you like a strike on a highway because a flat tire, need towing, lock left behind in the car, run out of material fuel, etc.. Leave these worries, select insurance with 24-hour alertness and a wide area protection Indonesia. So if you are touring out of town much like to Medan or Bali, do not worry if there is problem with your car. This feature needs to be considered for those of you who love to travel far (touring).
8. SRCC (Strike, Riot and Civil Commotion - Riots, Strikes and Riot & Flood) is an insurance feature recommended in order to ensure the risk due to the disruption of public order by a group of people, as well as actions the authorities in cracking down such interference, whether related with strikes and the barring of work, and bear the civil unrest that are politically motivated. Also expansion insurance cover loss caused by water overflowing out of the normal boundary rivers, lakes, swamps, loodgates broken-down, dams broken-down, continuous rain that can not be accommodated by water channels. Damage due to flooding include damage to the interior, exterior, dashboard panel, mechanical, electrical and Other damage to the vehicle bemotor insured. Select insurance which includes this feature.
9. Flexibility In Payment Select the payment of car insurance premiums flexible, can be made by cash,
transfers, or credit card (Visa / Mastercard). This may help your financial management.
transfers, or credit card (Visa / Mastercard). This may help your financial management.
Reverse RISK THROUGH INSURANCE
Reverse RISK THROUGH INSURANCE
Risk does not only happen on investment. View current flood disaster, makes many people miserable, from the loss of property and even lives. What can I say, floods have occurred anyway. However, the risk including the risk of flooding - not unusual disiasati. At least, that risk can be transferred to another party. Dus, Do not be surprised, if there are some circles that despite the loss of property, ranging from cars to home furnishings, seemed calm and steady. These circles may have moved risk to the insurance company. So, insurance companies who will bear the risk that experienced earlier.
Insurance program is actually not new. Various people understand insurance as a financial institution's risk management is required. However, awareness to follow the insurance program is not owned by everyone. Usually, after a "hit rock" new people are aware that insurance is important. Likewise, there was no word late. Thus, for the same risks do not need to happen again, or do not need your own is a good idea to consider insurance program.
With insurance program means you have shifted the risk to other parties. For the risks that you must be diverted to pay the premium depends on the amount of risk transferred and manfaaat who want to obtain. In prektiknya, various kinds of insurance. However, in this paper only discussed three types of insurance, ie health insurance, life insurance and general insurance. then, what aspects should be considered in selecting an insurance program.
HEALTH INSURANCE
BEFORE determine what insurance will be selected, the first step seyogia her to do is determine the needs. Of the three types of insurance above, determine the level of preference for your condition. In general, in developed countries the first priority is to follow the health insurance. The reason, because if you get sick, the cost may not be small. Even if you just work at a company and the company is providing facilities of health costs, its value may not match your needs. Especially if you have a certain lifestyle. If you experience a hospitalization, for example, maybe you want to be treated with first-class facilities, and facilities provided by the company only second-class facilities. To work around this, you can follow the health insurance benefits program tailored to your needs.
In reality, quite many people who do not have any health facilities. So when sick, all costs must be borne alone. For circles like this, of course, health insurance ought to be an absolute thing, because no one knows when the risk of illness to come even if you maintain good health. Therefore, health insurance can be considered to own.
The question is, what kind of health insurance are eligible chosen? Currently, in addition to a direct quote from health insurance companies, quite a lot of health insurance offered by the organizers of the credit card (issuer). So, the card holders are offered "benefit" from health insurance and premiums charged to card holders langsug via credit card.
There's nothing wrong with offering a pattern like that, but you must look at what benefits the insurance company gdiberikan yan. Then, if the insurance company that works with credit card issuers are enough bona fide and have experience. Not until, when you get sick and make a claim, it turns out the process even more difficult.
So, to choose the health insurance company, at least there are two things to be noticed, namely reliability and track recordnya, then the benefits offered compared to the premiums charged to you. In addition, you also must consider hospitals that work with the company's health insurance. More and more hospitals are working together, the bona fide was the insurance company. Useless you have health insurance if it is magic house near your house - sebgai example - have no cooperation with health insurance you have.
LIFE INSURANCE
And what about life insurance? Insurance is basically one is quite old, but not everyone sees the need to follow the life insurance. The reason mcam-kind. Start the objective because of financial considerations, to the subjective reasons that set the paradigm of thinking. Apart from, the most appropriate life insurance owned by people of productive age are married, because if your age is not a long while the family still needs financial strut, it will be struggling to fulfill it. Therefore, consider too have life insurance.
How to choose an appropriate life insurance for age, financial condition, and also the purpose of having life insurance? If you have limited money to pay the premiums, the most relevant choice is to choose a pure life insurance protection. In addition to low premiums, sum assured, as the benefits that will be enjoyed by the heirs, can be quite large. Pure life insurance protection you should take for this kind of life. So really intended as a "legacy" for your family.
If your financial condition is good enough, can be considered to take life insurance plus investment. Life insurance on this one you can enjoy yourself if, in the agreed time limit was your age are still quite long. For example, currently 30 years old you are, you can buy a term life insurance 20 years. If you live long, then at the age of 50 years, you'll enjoy the premiums already paid plus its development through investment. But if God decides otherwise and your age is not enough then your heirs remain financially secure.
In terms of choosing a life insurance company, the criteria do not differ greatly from choosing health insurance companies. You have to look at reliability, track record, and the premium charged to you. Meanwhile, if you want to buy insurance is the insurance plus an investment, certainly even more criteria, including what percentage of the premiums you will get your refund within a period of a participant's insurance. The three factors you should compare in selecting an insurance company.
LIFE INSURANCE
Next is general insurance. This type of insurance when the flood hit Jakarta and several cities in Java island in recent times, been to "help" all walks of life to not fall into poverty. Vehicles are subject to flooding and damage to the home or its contents, if the insured can be claimed to the insurance company.
However, there is also the owner of life insurance that could actually make a claim with the insurance company for insurance coverage of the closure of its loss is limited and does not include losses due to flooding. Therefore, the main thing that you must look at when choosing life insurance is any aspect of the company closed. You must be observant look at all of that, because most insurance companies do not simply want to explain to you.
Conclusion, the risk is not no disiasati. One way is to transfer risk to the company. If your financial condition is good enough, can be considered to have at least three insurance policies, namely health insurance, life dankerugian. However, if your financial situation is relatively limited, make a selection to suit your needs. Then, in choosing an insurance company, consider the most fundamental factors, such as bonafides company and the premium becomes your burden.
Risk does not only happen on investment. View current flood disaster, makes many people miserable, from the loss of property and even lives. What can I say, floods have occurred anyway. However, the risk including the risk of flooding - not unusual disiasati. At least, that risk can be transferred to another party. Dus, Do not be surprised, if there are some circles that despite the loss of property, ranging from cars to home furnishings, seemed calm and steady. These circles may have moved risk to the insurance company. So, insurance companies who will bear the risk that experienced earlier.
Insurance program is actually not new. Various people understand insurance as a financial institution's risk management is required. However, awareness to follow the insurance program is not owned by everyone. Usually, after a "hit rock" new people are aware that insurance is important. Likewise, there was no word late. Thus, for the same risks do not need to happen again, or do not need your own is a good idea to consider insurance program.
With insurance program means you have shifted the risk to other parties. For the risks that you must be diverted to pay the premium depends on the amount of risk transferred and manfaaat who want to obtain. In prektiknya, various kinds of insurance. However, in this paper only discussed three types of insurance, ie health insurance, life insurance and general insurance. then, what aspects should be considered in selecting an insurance program.
HEALTH INSURANCE
BEFORE determine what insurance will be selected, the first step seyogia her to do is determine the needs. Of the three types of insurance above, determine the level of preference for your condition. In general, in developed countries the first priority is to follow the health insurance. The reason, because if you get sick, the cost may not be small. Even if you just work at a company and the company is providing facilities of health costs, its value may not match your needs. Especially if you have a certain lifestyle. If you experience a hospitalization, for example, maybe you want to be treated with first-class facilities, and facilities provided by the company only second-class facilities. To work around this, you can follow the health insurance benefits program tailored to your needs.
In reality, quite many people who do not have any health facilities. So when sick, all costs must be borne alone. For circles like this, of course, health insurance ought to be an absolute thing, because no one knows when the risk of illness to come even if you maintain good health. Therefore, health insurance can be considered to own.
The question is, what kind of health insurance are eligible chosen? Currently, in addition to a direct quote from health insurance companies, quite a lot of health insurance offered by the organizers of the credit card (issuer). So, the card holders are offered "benefit" from health insurance and premiums charged to card holders langsug via credit card.
There's nothing wrong with offering a pattern like that, but you must look at what benefits the insurance company gdiberikan yan. Then, if the insurance company that works with credit card issuers are enough bona fide and have experience. Not until, when you get sick and make a claim, it turns out the process even more difficult.
So, to choose the health insurance company, at least there are two things to be noticed, namely reliability and track recordnya, then the benefits offered compared to the premiums charged to you. In addition, you also must consider hospitals that work with the company's health insurance. More and more hospitals are working together, the bona fide was the insurance company. Useless you have health insurance if it is magic house near your house - sebgai example - have no cooperation with health insurance you have.
LIFE INSURANCE
And what about life insurance? Insurance is basically one is quite old, but not everyone sees the need to follow the life insurance. The reason mcam-kind. Start the objective because of financial considerations, to the subjective reasons that set the paradigm of thinking. Apart from, the most appropriate life insurance owned by people of productive age are married, because if your age is not a long while the family still needs financial strut, it will be struggling to fulfill it. Therefore, consider too have life insurance.
How to choose an appropriate life insurance for age, financial condition, and also the purpose of having life insurance? If you have limited money to pay the premiums, the most relevant choice is to choose a pure life insurance protection. In addition to low premiums, sum assured, as the benefits that will be enjoyed by the heirs, can be quite large. Pure life insurance protection you should take for this kind of life. So really intended as a "legacy" for your family.
If your financial condition is good enough, can be considered to take life insurance plus investment. Life insurance on this one you can enjoy yourself if, in the agreed time limit was your age are still quite long. For example, currently 30 years old you are, you can buy a term life insurance 20 years. If you live long, then at the age of 50 years, you'll enjoy the premiums already paid plus its development through investment. But if God decides otherwise and your age is not enough then your heirs remain financially secure.
In terms of choosing a life insurance company, the criteria do not differ greatly from choosing health insurance companies. You have to look at reliability, track record, and the premium charged to you. Meanwhile, if you want to buy insurance is the insurance plus an investment, certainly even more criteria, including what percentage of the premiums you will get your refund within a period of a participant's insurance. The three factors you should compare in selecting an insurance company.
LIFE INSURANCE
Next is general insurance. This type of insurance when the flood hit Jakarta and several cities in Java island in recent times, been to "help" all walks of life to not fall into poverty. Vehicles are subject to flooding and damage to the home or its contents, if the insured can be claimed to the insurance company.
However, there is also the owner of life insurance that could actually make a claim with the insurance company for insurance coverage of the closure of its loss is limited and does not include losses due to flooding. Therefore, the main thing that you must look at when choosing life insurance is any aspect of the company closed. You must be observant look at all of that, because most insurance companies do not simply want to explain to you.
Conclusion, the risk is not no disiasati. One way is to transfer risk to the company. If your financial condition is good enough, can be considered to have at least three insurance policies, namely health insurance, life dankerugian. However, if your financial situation is relatively limited, make a selection to suit your needs. Then, in choosing an insurance company, consider the most fundamental factors, such as bonafides company and the premium becomes your burden.
Definition and Benefits of Car Insurance
DEFINITION AND BENEFITS OF CAR INSURANCE
Is this insurance?
When we think about insurance, the first thought is free from financial losses due to unexpected accidents coming. Because the purpose of insurance is basically to reduce the uncertainty of the possibility of unexpected losses. In general, insurance is defined as an agreement where a person makes a bond with an insured to receive a premium to provide reimbursement to him for any loss, damage, or loss which may be experienced due to unforeseen events.
What insurance benefits?
Insurance is known in Indonesia include life insurance, general insurance and health insurance. Insurance is insurance that protects the property and its contents such as houses, apartments, cars and others.
Car insurance is intended to protect from the threat of unforeseen hazards such as collision, theft of car parts or even the car itself is stolen. By protecting a car with insurance, we can drive a car with a sense of calm and safe to travel anywhere.
Types of car insurance coverage consists of:
car insurance vehicle
Combined Insurance (Comprehensive) or All Risk
Guarantee losses resulting from major and minor accidents or loss with the imposition of additional equipment / vehicle destruction or loss.
car insurance vehicle
Insurance Losses Total (Total Loss Only / TLO)
Guarantee losses resulting from accidents with minimum damage to 75% of the sum insured or the vehicle is lost.
In addition to the basic protections such as the above, car insurance also provides liability insurance expansion such as the law against third parties and passengers, riots (Strike, Riot and Civil Commotion), Natural Disasters (Act of God), etc.. To learn more about the various terms in the fields of insurance, you can see on the page Glossary of Insurance.
At present, it is very easy for you to obtain car insurance an attractive and appropriate to the needs of as many insurance companies in Indonesia are competing by offering interesting programs. More and more people are insured indicates that the awareness to protect the price of their items from the possibility of danger is getting better.
Insurance companies in the country now compete to provide the best service for the community, both in terms of programs to claim problems.
Is this insurance?
When we think about insurance, the first thought is free from financial losses due to unexpected accidents coming. Because the purpose of insurance is basically to reduce the uncertainty of the possibility of unexpected losses. In general, insurance is defined as an agreement where a person makes a bond with an insured to receive a premium to provide reimbursement to him for any loss, damage, or loss which may be experienced due to unforeseen events.
What insurance benefits?
Insurance is known in Indonesia include life insurance, general insurance and health insurance. Insurance is insurance that protects the property and its contents such as houses, apartments, cars and others.
Car insurance is intended to protect from the threat of unforeseen hazards such as collision, theft of car parts or even the car itself is stolen. By protecting a car with insurance, we can drive a car with a sense of calm and safe to travel anywhere.
Types of car insurance coverage consists of:
car insurance vehicle
Combined Insurance (Comprehensive) or All Risk
Guarantee losses resulting from major and minor accidents or loss with the imposition of additional equipment / vehicle destruction or loss.
car insurance vehicle
Insurance Losses Total (Total Loss Only / TLO)
Guarantee losses resulting from accidents with minimum damage to 75% of the sum insured or the vehicle is lost.
In addition to the basic protections such as the above, car insurance also provides liability insurance expansion such as the law against third parties and passengers, riots (Strike, Riot and Civil Commotion), Natural Disasters (Act of God), etc.. To learn more about the various terms in the fields of insurance, you can see on the page Glossary of Insurance.
At present, it is very easy for you to obtain car insurance an attractive and appropriate to the needs of as many insurance companies in Indonesia are competing by offering interesting programs. More and more people are insured indicates that the awareness to protect the price of their items from the possibility of danger is getting better.
Insurance companies in the country now compete to provide the best service for the community, both in terms of programs to claim problems.
Choosing The Right Loss Insurance
Choosing The Right Loss Insurance
You are about to buy a life insurance policy? Do not rush. There are several things to consider when determining what insurance products you use, either for yourself or for your employer. Some of the following guidelines can help you.
1.
Separate the items / objects in accordance with its economic calculation
Select the items that really need to be insured so you have nothing to lose. For example, if you intend to take fire insurance for the house and household furniture, then you do not need to enter the computer and all the accessories into the calculation. Why? Because the recovery value for the computer company is very low if compared to the period when the computer or at the time of purchase will be insured.
Another example, you will take the insurance of motor vehicles (cars) on the company's assets. If the cars to be insured are aged over 10 years, the economic cost of insurance premiums will be greater. Another case if the company can manage its own / self-insurance for its property and vehicles.
2.
Identify goods / objects clearly
You should first identify the goods / objects that will be insured. For example, the Toyota Corolla sedan 1998.
At the company, for example a garment factory and its machinery, generators and other equipment associated with the event factory.
3.
Select an insurance company with good reputation
Do not be fooled by insurance companies who provide premium rate (the amount paid to a protection unit given) is low or high premium discounts. If you do, can-can the insurance company can not settle its claim at the time you make a claim against them.
4.
Give information clearly
Give the information as clearly as possible about the object you are insured to the insurer / insurance broker. Instead, ask for complete information-more about the insurance products they offer. You can ask about the types of insurance, extensive warranties, rate premiums, deductibles (the amount of fees you will pay before the insurance started paying compensation), pieces or claim procedures.
5.
Ask the insurance coverage (insurance coverage) is best
You should ask the most extensive insurance before the insurance guarantee insurance policy issued.
For example, for fire insurance Fire Insurance you can ask or RSMD 4.1.A 4.1.B earthquake (earthquake), flood (flood). For property insurance building, you can ask for cover property all risk (PAR). If you want to insure motor vehicles, have motor vehicle insurance covers all risks RSMD 4.1.A, etc..
6.
Choose a package of insurance products
Rather than selecting only one insurance product, you are encouraged to select one package at a time. Thus you will obtain discounted facilities and better services. For example, the purchase of home insurance (Fire Insurance) follows the cars (Car Insurance) and personal accident for family members.
7.
Request a system of "First Loss Insurance"
Special to the insured object that has a value / number of very large, eg above 100 billion, have the system of "first loss insurance" to the insurance so that the premium you pay is not too big.
8.
Ask the system "Adjustable Policy"
Value / amount of insurance stock merchandise usually show different volume every day or every month. To fix this, you can ask the system of "adjustable policies". With this system you will pay premiums in accordance with the volume / transactions that actually you did.
9.
Read, carefully and ask
Carefully read and examine the contents of the policy statement and the article-the article. Ask about the procedure that will claim you did before agreeing to an insurance policy issuance.
If there are errors in writing, either on the object of both insurance and other information, immediately notify the insurer / insurance broker. They will soon issue a written improvement in the policy.
Once you approve the issuance of the policy in question, ask for original documents and copies of the policy, complete with receipts as a sign of ownership and payment of insurance premiums
You are about to buy a life insurance policy? Do not rush. There are several things to consider when determining what insurance products you use, either for yourself or for your employer. Some of the following guidelines can help you.
1.
Separate the items / objects in accordance with its economic calculation
Select the items that really need to be insured so you have nothing to lose. For example, if you intend to take fire insurance for the house and household furniture, then you do not need to enter the computer and all the accessories into the calculation. Why? Because the recovery value for the computer company is very low if compared to the period when the computer or at the time of purchase will be insured.
Another example, you will take the insurance of motor vehicles (cars) on the company's assets. If the cars to be insured are aged over 10 years, the economic cost of insurance premiums will be greater. Another case if the company can manage its own / self-insurance for its property and vehicles.
2.
Identify goods / objects clearly
You should first identify the goods / objects that will be insured. For example, the Toyota Corolla sedan 1998.
At the company, for example a garment factory and its machinery, generators and other equipment associated with the event factory.
3.
Select an insurance company with good reputation
Do not be fooled by insurance companies who provide premium rate (the amount paid to a protection unit given) is low or high premium discounts. If you do, can-can the insurance company can not settle its claim at the time you make a claim against them.
4.
Give information clearly
Give the information as clearly as possible about the object you are insured to the insurer / insurance broker. Instead, ask for complete information-more about the insurance products they offer. You can ask about the types of insurance, extensive warranties, rate premiums, deductibles (the amount of fees you will pay before the insurance started paying compensation), pieces or claim procedures.
5.
Ask the insurance coverage (insurance coverage) is best
You should ask the most extensive insurance before the insurance guarantee insurance policy issued.
For example, for fire insurance Fire Insurance you can ask or RSMD 4.1.A 4.1.B earthquake (earthquake), flood (flood). For property insurance building, you can ask for cover property all risk (PAR). If you want to insure motor vehicles, have motor vehicle insurance covers all risks RSMD 4.1.A, etc..
6.
Choose a package of insurance products
Rather than selecting only one insurance product, you are encouraged to select one package at a time. Thus you will obtain discounted facilities and better services. For example, the purchase of home insurance (Fire Insurance) follows the cars (Car Insurance) and personal accident for family members.
7.
Request a system of "First Loss Insurance"
Special to the insured object that has a value / number of very large, eg above 100 billion, have the system of "first loss insurance" to the insurance so that the premium you pay is not too big.
8.
Ask the system "Adjustable Policy"
Value / amount of insurance stock merchandise usually show different volume every day or every month. To fix this, you can ask the system of "adjustable policies". With this system you will pay premiums in accordance with the volume / transactions that actually you did.
9.
Read, carefully and ask
Carefully read and examine the contents of the policy statement and the article-the article. Ask about the procedure that will claim you did before agreeing to an insurance policy issuance.
If there are errors in writing, either on the object of both insurance and other information, immediately notify the insurer / insurance broker. They will soon issue a written improvement in the policy.
Once you approve the issuance of the policy in question, ask for original documents and copies of the policy, complete with receipts as a sign of ownership and payment of insurance premiums
Tips on Choosing a Car Insurance
Tips on Choosing a Car Insurance
Choosing a car insurance is not easy. Especially in the midst of fierce competition nowadays. Almost all insurance companies have a product car insurance. Stay prospective customers to choose which ones deserve to take. Therefore below we present some criteria so as not to incorrectly selected:
1.
Prospective customers do not dwell on the cheap premium rates. Because, in today's competition, many insurance companies slam prices, offers cheap premium rates. Though not necessarily any guarantee of service.
2.
See the insurance package offered. For example, extensive warranties to how much. Therefore, extensive warranties should be adjusted with the desire and ability to prospective customers.
3.
See also the network of insurance companies concerned. For example, how many have a branch office or how many partners have a garage, so once someone claims not to wait long to fix the vehicle or vehicles reported missing.
4.
Can be asked in advance convenience, facility or what added value can be obtained when buying the policy in the company. For example, if there is a tow truck, a replacement car or hotline services, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the facility in question.
5.
Consider also bonafides insurance company. Do not get so there is a claim, the partners did not have a garage. Therefore, many insurance companies claim they are the best. Though its financial condition was very severe.
In addition to the above, there are several factors that should be considered in the process of selecting an insurance company included in choosing the product. Things to remember that in choosing a private insurance company, then that should be considered in general are three factors.
First, the financial strength (security). Second, the service (service). And third, cost or expense. Financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking beyond it classy. For example storey buildings, vehicles that good directors. But when there claims of customers, the company can not pay.
In assessing the financial strength of these there are some benchmarks that need attention.
a.
Assets and liabilities. This can be seen from the consolidated balance sheet is published in the newspaper. See also, whether planted in the current investments or long-term. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts on the reinsurer, how he fulfilled his obligation to pay claims, and so forth.
Indicators of net liabilities include equity (own capital) divided by net premiums `` (net premiums) of at least 50%. Capital is divided into `` gross premiums (gross premiums) of at least 20%. Limit the level of solvency, which looks from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by at least 100%.
b.
Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting policy was good.
c.
Underwriters him. Insurance has personnel qualified or not. It is known from the profile companies that includes the underwriters him.
Service (service) is the extent to which the mirror of human resources at the company's qualified or not. Moreover, insurance companies are selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim.
Also, about the service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.
In this connection should also be questioned, whether the insurance company mereasuransikan on a first-class reinsurance security. This can be seen from its annual report. It is important to note, because if the company is not in the back-up by reinsurance, the company is likely to be speculative in receiving the premiums.
The problem is how much the cost of expenses incurred by insurance companies in operation. If it is greater than the cost of entry, then obviously the company is not efficient. If it's not efficient, so the edges will incur a loss. And, if you continually lose, definitely not healthy.
In this connection could also be price premiums. Compare the price of insurance premiums the same with other insurance. Where the quality is really good.
Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (Risk Base Caital). If the number is large RBC, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, large companies can also occur which are conducting a major expansion such as opening more branches, then his numbers will surely RBC small.
Conversely, there is a small insurance company but never to expand, the number of RBC was probably much greater.
Thus, RBC numbers can not be used as the only measure, whether the insurance company is healthy or not.
In this case who is also noteworthy is the performance of the company within two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.
And, equally important is how the company's management behavior over the years. Is there a management company for this broken promise? Has this company experienced in default management and so forth.
Choosing a car insurance is not easy. Especially in the midst of fierce competition nowadays. Almost all insurance companies have a product car insurance. Stay prospective customers to choose which ones deserve to take. Therefore below we present some criteria so as not to incorrectly selected:
1.
Prospective customers do not dwell on the cheap premium rates. Because, in today's competition, many insurance companies slam prices, offers cheap premium rates. Though not necessarily any guarantee of service.
2.
See the insurance package offered. For example, extensive warranties to how much. Therefore, extensive warranties should be adjusted with the desire and ability to prospective customers.
3.
See also the network of insurance companies concerned. For example, how many have a branch office or how many partners have a garage, so once someone claims not to wait long to fix the vehicle or vehicles reported missing.
4.
Can be asked in advance convenience, facility or what added value can be obtained when buying the policy in the company. For example, if there is a tow truck, a replacement car or hotline services, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the facility in question.
5.
Consider also bonafides insurance company. Do not get so there is a claim, the partners did not have a garage. Therefore, many insurance companies claim they are the best. Though its financial condition was very severe.
In addition to the above, there are several factors that should be considered in the process of selecting an insurance company included in choosing the product. Things to remember that in choosing a private insurance company, then that should be considered in general are three factors.
First, the financial strength (security). Second, the service (service). And third, cost or expense. Financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking beyond it classy. For example storey buildings, vehicles that good directors. But when there claims of customers, the company can not pay.
In assessing the financial strength of these there are some benchmarks that need attention.
a.
Assets and liabilities. This can be seen from the consolidated balance sheet is published in the newspaper. See also, whether planted in the current investments or long-term. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts on the reinsurer, how he fulfilled his obligation to pay claims, and so forth.
Indicators of net liabilities include equity (own capital) divided by net premiums `` (net premiums) of at least 50%. Capital is divided into `` gross premiums (gross premiums) of at least 20%. Limit the level of solvency, which looks from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by at least 100%.
b.
Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting policy was good.
c.
Underwriters him. Insurance has personnel qualified or not. It is known from the profile companies that includes the underwriters him.
Service (service) is the extent to which the mirror of human resources at the company's qualified or not. Moreover, insurance companies are selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim.
Also, about the service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.
In this connection should also be questioned, whether the insurance company mereasuransikan on a first-class reinsurance security. This can be seen from its annual report. It is important to note, because if the company is not in the back-up by reinsurance, the company is likely to be speculative in receiving the premiums.
The problem is how much the cost of expenses incurred by insurance companies in operation. If it is greater than the cost of entry, then obviously the company is not efficient. If it's not efficient, so the edges will incur a loss. And, if you continually lose, definitely not healthy.
In this connection could also be price premiums. Compare the price of insurance premiums the same with other insurance. Where the quality is really good.
Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (Risk Base Caital). If the number is large RBC, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, large companies can also occur which are conducting a major expansion such as opening more branches, then his numbers will surely RBC small.
Conversely, there is a small insurance company but never to expand, the number of RBC was probably much greater.
Thus, RBC numbers can not be used as the only measure, whether the insurance company is healthy or not.
In this case who is also noteworthy is the performance of the company within two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.
And, equally important is how the company's management behavior over the years. Is there a management company for this broken promise? Has this company experienced in default management and so forth.
Personal Car Security
PERSONAL CAR SECURITY
The car is an asset. So, do not carelessly treat your car, including in terms of parking. You see, when this many vehicle theft either two or four wheels remain high. Ascertained, nearly every day there are only victims of lost vehicles.
Regarding this issue seems to not only become the responsibility of officers, parking attendants or guards alone, but also the responsibility of the owner himself.
Here are some tips obtained from a mailing list (mailing list) the contents of information about maintaining our assets in the form of the car to be safe or at least protected from crime.
1.
If you use the services of a driver to slide around and count will take a bit longer, then you should not let the chauffeur was waiting in the car. Why? You see, the thief can easily hold up the driver and asked for the keys and the letters. If the driver fight may actually be risking his life. So, should he be asked out and waited outside the car which was locked as he kept an eye on the car.
2.
If not using a driver and a car accident that you wear is the type of vehicle that by some certain circles is called "Car Millions of Ummah" aka Toyota Kijang, it is advisable to unplug the distributor or distributors and installed all stick-shaped steering wheel lock that lay in the middle of the steering wheel. Not recommended base ball stick model which is only stuck on top. Because by the thief's steering wheel can be removed and replaced with his own steering wheel.
3.
What about alarms? If this is the only "keeper" car, then this is not recommended. Because, from a few observations and experience, the alarm is considered ineffective because it often appears there was a car alarm blaring ask for attention even by some guards that are around are left. It is suggested, in addition to the alarm, there remains another form of anticipation.
4.
Another modus operandi is to remove the license plate in the parking lot, then replaced with the car number plate thieves. Well, it came out with a casual thief, as he showed him a parking ticket by a parking record is valid. Once outside the plate number was opened and then come back and installed in his car, then out again as she reports to the parking guard that the ticket is lost. And if checked by a parking, then he can show all the completeness of vehicles including a valid vehicle registration, license plate number is true, correct engine number, body number Ko. Could be, he's just so many thousand dollars to pay the fine but he can roll out, steal a car kale.
Loss of vehicles truly unfortunate that not all of us want to experience it, especially if not covered by insurance, can be more worse again.
Well, caution against the asset itself, seems to be from now on, especially in Jakarta. For our negligence, then lost our assets. That said, Jakarta is often equated with "jungle". This Jakarta man! Welcome to the Jungle.
The car is an asset. So, do not carelessly treat your car, including in terms of parking. You see, when this many vehicle theft either two or four wheels remain high. Ascertained, nearly every day there are only victims of lost vehicles.
Regarding this issue seems to not only become the responsibility of officers, parking attendants or guards alone, but also the responsibility of the owner himself.
Here are some tips obtained from a mailing list (mailing list) the contents of information about maintaining our assets in the form of the car to be safe or at least protected from crime.
1.
If you use the services of a driver to slide around and count will take a bit longer, then you should not let the chauffeur was waiting in the car. Why? You see, the thief can easily hold up the driver and asked for the keys and the letters. If the driver fight may actually be risking his life. So, should he be asked out and waited outside the car which was locked as he kept an eye on the car.
2.
If not using a driver and a car accident that you wear is the type of vehicle that by some certain circles is called "Car Millions of Ummah" aka Toyota Kijang, it is advisable to unplug the distributor or distributors and installed all stick-shaped steering wheel lock that lay in the middle of the steering wheel. Not recommended base ball stick model which is only stuck on top. Because by the thief's steering wheel can be removed and replaced with his own steering wheel.
3.
What about alarms? If this is the only "keeper" car, then this is not recommended. Because, from a few observations and experience, the alarm is considered ineffective because it often appears there was a car alarm blaring ask for attention even by some guards that are around are left. It is suggested, in addition to the alarm, there remains another form of anticipation.
4.
Another modus operandi is to remove the license plate in the parking lot, then replaced with the car number plate thieves. Well, it came out with a casual thief, as he showed him a parking ticket by a parking record is valid. Once outside the plate number was opened and then come back and installed in his car, then out again as she reports to the parking guard that the ticket is lost. And if checked by a parking, then he can show all the completeness of vehicles including a valid vehicle registration, license plate number is true, correct engine number, body number Ko. Could be, he's just so many thousand dollars to pay the fine but he can roll out, steal a car kale.
Loss of vehicles truly unfortunate that not all of us want to experience it, especially if not covered by insurance, can be more worse again.
Well, caution against the asset itself, seems to be from now on, especially in Jakarta. For our negligence, then lost our assets. That said, Jakarta is often equated with "jungle". This Jakarta man! Welcome to the Jungle.
Choosing Car Insurance
CHOOSING CAR INSURANCE
A growing number of car insurance products offered. Therefore, the principle carefully before buying, it should be applied, so as not to regret in the future. Before deciding to choose one of several car insurance products offered:
1.
Determine the type of insurance coverage desired. Overall protection (All Risk) provides the best protection, but you need to take into account the economic side.
2.
Do not be fixated on the size of the premium to be paid. See the company's credibility, especially in terms of service, claims handling and financial capability.
3.
Many insurance companies are credible and bona fide, though without the support of re-insurance company. But there's no harm in finding out the track record of re-insurance company (if any).
4.
Does the company provide additional benefits, such as 24-hour claim service, free towing, insurance claim process 24 hours, etc?
5.
It is better you see the company's partner shop network. How much, where it is located and how the quality of these workshops.
6.
Understand exactly everything what your rights and obligations. What should you do and what not. Are there any exceptions in the policy contract, any profit you have to lose? (*)
A growing number of car insurance products offered. Therefore, the principle carefully before buying, it should be applied, so as not to regret in the future. Before deciding to choose one of several car insurance products offered:
1.
Determine the type of insurance coverage desired. Overall protection (All Risk) provides the best protection, but you need to take into account the economic side.
2.
Do not be fixated on the size of the premium to be paid. See the company's credibility, especially in terms of service, claims handling and financial capability.
3.
Many insurance companies are credible and bona fide, though without the support of re-insurance company. But there's no harm in finding out the track record of re-insurance company (if any).
4.
Does the company provide additional benefits, such as 24-hour claim service, free towing, insurance claim process 24 hours, etc?
5.
It is better you see the company's partner shop network. How much, where it is located and how the quality of these workshops.
6.
Understand exactly everything what your rights and obligations. What should you do and what not. Are there any exceptions in the policy contract, any profit you have to lose? (*)
Tips to Choose Good Insurance Company
TIPS TO CHOOSE A GOOD INSURANCE COMPANY
Choosing a good insurance company is not easy. Especially in the midst of intense competition among insurance companies today.
Many insurance companies claim they are the best. This can be seen if there is an insurance product offered to the public through advertisements, almost nothing is lacking. Similarly, the performance they do, always highlight the fine. Somewhat rarely express insurance company management weaknesses they experience.
However, there are several factors that should be considered in the process of choosing a particular insurance company for life insurance and loss.
Things to remember that in choosing a private insurance company, then that should be considered in general are three factors: First, the financial strength (security). Second, the service (service). And third, the cost.
Financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking beyond it classy. For example storey buildings, vehicles that good directors. But when there claims of customers, the company can not pay.
In assessing the financial strength of these there are some benchmarks that need attention.
car insurance
Assets and liabilities. This can be seen from the consolidated balance sheet is published in the newspaper. See also, whether planted in the current investments or long-term. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts on the reinsurer, how he fulfilled his obligation to pay claims, and so forth.
Indicators of net liabilities include equity (own capital) divided by net premiums (net premiums) of at least 50%. Own capital divided by gross premiums (gross premiums) of at least 20%. Limit the level of solvency, which looks from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by at least 100%.
Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting polcy was good.
Underwriters him. Insurance has personnel qualified or not. It is known from the profile companies that includes the underwriters him.
Service (service) is the extent to which the mirror of human resources at the company's qualified or not. Moreover, insurance companies are selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim. Also, about the service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.
In this connection should also be questioned, whether the insurance company mereasuransikan on a first-class reinsurance security. This can be seen from its annual report. It is important to note, because if the company is not in - backed up by reinsurance, the company is likely to be speculative in receiving plum
The problem is how much the cost of expenses incurred by insurance companies in operation. If it is greater than the cost of entry, then obviously the company is not efficient. If it's not efficient, so the edges will incur a loss. And if you continually lose, definitely not healthy.
In this connection could also be price premiums. Compare the price of insurance premiums the same with other insurance. Where the quality is really good.
Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (risk capital base). If the number is large RBC, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, large companies can also occur which are conducting a major expansion such as opening more branches, then his numbers will surely RBC small.
Conversely, there is a small insurance company but never to expand, the number of RBC was probably much greater.
Thus, RBC numbers can not be used as the only measure, whether the insurance company is healthy or not.
In this case who is also noteworthy is the performance of the company within two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.
And last but not least is how the company's management behavior over the years. Is there a management company for this broken promise? Has the management of these companies have defaulted, and so forth.
Source: Media Indonesia
Choosing a good insurance company is not easy. Especially in the midst of intense competition among insurance companies today.
Many insurance companies claim they are the best. This can be seen if there is an insurance product offered to the public through advertisements, almost nothing is lacking. Similarly, the performance they do, always highlight the fine. Somewhat rarely express insurance company management weaknesses they experience.
However, there are several factors that should be considered in the process of choosing a particular insurance company for life insurance and loss.
Things to remember that in choosing a private insurance company, then that should be considered in general are three factors: First, the financial strength (security). Second, the service (service). And third, the cost.
Financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking beyond it classy. For example storey buildings, vehicles that good directors. But when there claims of customers, the company can not pay.
In assessing the financial strength of these there are some benchmarks that need attention.
car insurance
Assets and liabilities. This can be seen from the consolidated balance sheet is published in the newspaper. See also, whether planted in the current investments or long-term. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts on the reinsurer, how he fulfilled his obligation to pay claims, and so forth.
Indicators of net liabilities include equity (own capital) divided by net premiums (net premiums) of at least 50%. Own capital divided by gross premiums (gross premiums) of at least 20%. Limit the level of solvency, which looks from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by at least 100%.
Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting polcy was good.
Underwriters him. Insurance has personnel qualified or not. It is known from the profile companies that includes the underwriters him.
Service (service) is the extent to which the mirror of human resources at the company's qualified or not. Moreover, insurance companies are selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim. Also, about the service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.
In this connection should also be questioned, whether the insurance company mereasuransikan on a first-class reinsurance security. This can be seen from its annual report. It is important to note, because if the company is not in - backed up by reinsurance, the company is likely to be speculative in receiving plum
The problem is how much the cost of expenses incurred by insurance companies in operation. If it is greater than the cost of entry, then obviously the company is not efficient. If it's not efficient, so the edges will incur a loss. And if you continually lose, definitely not healthy.
In this connection could also be price premiums. Compare the price of insurance premiums the same with other insurance. Where the quality is really good.
Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (risk capital base). If the number is large RBC, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, large companies can also occur which are conducting a major expansion such as opening more branches, then his numbers will surely RBC small.
Conversely, there is a small insurance company but never to expand, the number of RBC was probably much greater.
Thus, RBC numbers can not be used as the only measure, whether the insurance company is healthy or not.
In this case who is also noteworthy is the performance of the company within two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.
And last but not least is how the company's management behavior over the years. Is there a management company for this broken promise? Has the management of these companies have defaulted, and so forth.
Source: Media Indonesia
Car Insurance
CAR INSURANCE
As we know every people never expect disaster, but in reality always comes unexpected tragedy and can not be avoided, so that required a solution that can anticipate the risks and mitigate losses from disasters that have occurred.
Along with the trend of increasing density of traffic and crime measures on the highway, it also increases the likelihood of accident involving your car, from a relatively mild, such as hit, scratched, pencongkelan rearview mirror, until the weight of such collisions, motor vehicle theft and even robbery .
For that to meet the needs of security, you can choose a car insurance product that can provide protection against risks that may occur on your car.
It is usually a concern when choosing car insurance is the ease of claims and workshop partners used the insurance company at the time of claim. For that we provide a choice of insurance company has an extensive network of authorized workshops and its associates and ease in making claims wherever you are.
As we know every people never expect disaster, but in reality always comes unexpected tragedy and can not be avoided, so that required a solution that can anticipate the risks and mitigate losses from disasters that have occurred.
Along with the trend of increasing density of traffic and crime measures on the highway, it also increases the likelihood of accident involving your car, from a relatively mild, such as hit, scratched, pencongkelan rearview mirror, until the weight of such collisions, motor vehicle theft and even robbery .
For that to meet the needs of security, you can choose a car insurance product that can provide protection against risks that may occur on your car.
It is usually a concern when choosing car insurance is the ease of claims and workshop partners used the insurance company at the time of claim. For that we provide a choice of insurance company has an extensive network of authorized workshops and its associates and ease in making claims wherever you are.
Car Insurance: Garda Otto/Astra Car Insurance
Car Insurance: Garda Otto/Astra Car Insurance
Since becoming a customer Garda Oto two years ago, Djemmy Piether have felt the claims service is so easy and straightforward.
The process is fast with good service do not forget the felt at the time of his claim that his car was hit by another vehicle when his car was parked in front of his house. Father of two sons was admitted was not insured the car that he had before, but for a car of his current output of 2007, he immediately entrusted its protection to the Garda Garda Oto Oto because he thinks that is one product from a trusted insurance Asuransi Astra is a shelter under big name Astra. As a General Manager of one of the leading media, he knew exactly credibility Asuransi Astra as the best insurance company that provides comprehensive services and continue to innovate to provide the best for its customers.
For him the protection of assets such as private vehicles is very important, because the current road conditions are so dense resulted in increased risk of accidents, mainly because of the many motorists who are often less attention to the rider lain.Menurutnya price / rate of protection to be no problem, the most important thing for him a firm insurance can provide good quality service, has an extensive network of service station and the quality and workmanship to ensure the results of his shop, so customers can relax and feel take precedence.
Regarding the garage, Djemmy have felt the service claims his car at Q Repair Garda, Garda Oto authorized repair shop that gave priority to the speed and quality. He was very surprised at the ministry, since the beginning of the handover process of attaching the vehicle to a complete checklist, to confirm the settlement process of the vehicle. He said all the officers tried to maintain customer trust and provide a good and fast service.
Mild improvement process conducted with a relatively short time in the Guard Repair Q is very helpful because her car is an important vehicle for supporting mobility. Service was excellent, fast and amazing. The result is neat, I like new car again, and certainly kinclong again, he said.
Djemmy ensure the services you have received to date, he did not hesitate to refer to a colleague Garda Oto, relatives and family. And for Asuransi Astra expects to maintain his achievements and services that had been done for its customers.
Garda Oto, Do not Worry, Be Happy.
The process is fast with good service do not forget the felt at the time of his claim that his car was hit by another vehicle when his car was parked in front of his house. Father of two sons was admitted was not insured the car that he had before, but for a car of his current output of 2007, he immediately entrusted its protection to the Garda Garda Oto Oto because he thinks that is one product from a trusted insurance Asuransi Astra is a shelter under big name Astra. As a General Manager of one of the leading media, he knew exactly credibility Asuransi Astra as the best insurance company that provides comprehensive services and continue to innovate to provide the best for its customers.
For him the protection of assets such as private vehicles is very important, because the current road conditions are so dense resulted in increased risk of accidents, mainly because of the many motorists who are often less attention to the rider lain.Menurutnya price / rate of protection to be no problem, the most important thing for him a firm insurance can provide good quality service, has an extensive network of service station and the quality and workmanship to ensure the results of his shop, so customers can relax and feel take precedence.
Regarding the garage, Djemmy have felt the service claims his car at Q Repair Garda, Garda Oto authorized repair shop that gave priority to the speed and quality. He was very surprised at the ministry, since the beginning of the handover process of attaching the vehicle to a complete checklist, to confirm the settlement process of the vehicle. He said all the officers tried to maintain customer trust and provide a good and fast service.
Mild improvement process conducted with a relatively short time in the Guard Repair Q is very helpful because her car is an important vehicle for supporting mobility. Service was excellent, fast and amazing. The result is neat, I like new car again, and certainly kinclong again, he said.
Djemmy ensure the services you have received to date, he did not hesitate to refer to a colleague Garda Oto, relatives and family. And for Asuransi Astra expects to maintain his achievements and services that had been done for its customers.
Garda Oto, Do not Worry, Be Happy.
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