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
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