Car Insurance Comparison

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.

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.