5 Tips For Efficient Driving Car

Having a private car does not always make profits for its users. How can that be? Yes if you do not know about your vehicle is. Therefore, the opportunity this time you will be presented with tips that must be very useful on how to drive a car with a frugal:

1. Buy a car whose company provides long-term warranty. Each item / any inanimate object must have a sophisticated security itself. There was a time the goods you buy that function will be reduced. Choosing a car that offers long-lasting guarantees is a wise decision.

2. When you want to buy a car, utility vehicle was purchased. As good as any vehicle that you have, but if it was just to show off to the boyfriend, work friends, or even a large family, you will experience difficulties themselves. Prioritizing the use of all because it is related to your needs to the vehicle.

3. Always buy a car that you can bear. Having a private vehicle that does not mean you'll spend less and less. Not necessarily because you have to set aside money to buy gasoline, vehicle insurance, and maintenance costs. If you do not notice it then occurred to him that you will experience a loss that may not be small in number.

4. Your vehicle insurance. Appropriate insurance and funds in accordance with the power you have is an advantage. Choose the insurance companies that provide more facilities in the lawyer-cover of your vehicle.

5. Purchase original spare parts at authorized dealers in your city. Although initially expensive, but by purchasing the official auto parts you actually have to save more money. Better quality than you have in the stores unofficial help you to not constantly changing your auto parts.
What can be taken from the tips outlined above this? That there are ways to save our vehicle. Congratulations to apply these tips in your life.

Choose Insurance Losses Right

You want to buy the insurance policy? Do not hurry. There are some things that need to be considered when determining what insurance products you want to use, either for yourself or for your employer. Some tips can help you.


1. Separate the items / objects in accordance with its economic calculation
Choose 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 trimmings into the calculation. Why? Because the recovery value for the computer company is very low if compared at the time of the purchase value of the computer or be insured at the time.
Another example, you will take the insurance of motor vehicles (cars) on the company's assets. If the cars that will be insured are aged over 10 years, the economic cost of insurance premiums will be greater. Another case if the company can set their own / self-insurance on the vehicle's assets.
 
2. Identify goods / objects are clearly
You should first identify the goods / objects that will be insured. For example, the Toyota Corolla sedan in 1998. At the company, such as a garment factory and its machinery, generators and other equipment associated with the event factory.
 
3. Choose your insurance company with a good reputation
Do not be fooled by insurance companies that provide premium rate (the amount paid for a given protection unit) is low or high premium discount. If you do, can-can the insurance company can not claim complete payment when you make a claim against them.
 
4. Give information clearly
Give very clear description of the object you are insured to the insurance / insurance broker. Instead, ask-more complete information about the insurance products they offer. You can ask about the types of insurance, extensive warranties, rate premiums, deductibles (the amount of expenses you will pay before the insurance company began paying compensation), cut or claim procedures.
 
5. Ask the scope of insurance coverage (insurance coverage) is best
You should ask the most extensive insurance before the insurance guarantee insurance policy is issued.
For example, for fire insurance you can ask RSMD Fire Insurance 4.1.A or 4.1.B earthquake (earthquake) flood (flood). Property insurance for buildings, you can ask property covers all risks (PAR). If you want to insure your vehicle, ask your motor vehicle insurance covers all risks RSMD 4.1.A, etc..
 
6. Select a package of insurance products
Instead of just choosing one insurance product, you are encouraged to select one package at once. That way you will get discount facilities and better services. For example the purchase of home insurance (fire insurance) following cars (Car Insurance) and personal accident for family members.
 
7. Request system "First Loss Insurance"
Special coverage for objects that have a value / a very large number, for example over Rp 100 billion, have the system of "first loss insurance" to the insurance that the premium you pay is not too large.
 
8. Ask the system "Adjustable Policy"
Value / amount of insurance stock merchandise usually indicates a different volume every day or every month. To fix this, you can ask the system "adjustable policy". With this system you will pay premiums in accordance with the volume / transaction really have to do.
 
9. Read, thorough and asked
Read it carefully and examine the contents of the policy statements and articles, chapters. Ask about the procedures that will claim you did before agreeing to an insurance policy issuance.
If there are errors in writing, either on the object of insurance or other information, immediately notify the insurance company / insurance broker. They will soon issue a written improvement in the policy.

Once you have approved the issuance of the policy in question, ask for the original documents and copies of the policy, complete with a receipt as a sign of ownership and payment of insurance premiums

By: M. Ichsan, Insurance Republic
source : translated from asuransi-mobil.com (source : portalasuransi.com)

Type of Existing Vehicle Insurance

Insurance is basically a disciplined person to suffer a small loss for sure, and at the same time will bring great losses uncertain. Insurance world where anything is known to sell 2 types of products, namely Life Insurance and Insurance Losses. For motor vehicle insurance including the types of insurance losses.

Insurance companies generally offer two types of vehicle insurance in terms of protection or proteksinya conditions, namely:

1. Comprehensive (All Risk)
Ensure that the risk of loss or damage to vehicles, in part or whole, including the replacement here to third parties (victims) who suffer.
2. Total Lost Only (TLO)
Which ensures protection against the risk of a vehicle if the loss or damage costs equal to or exceeding 75% of the price of the vehicle and insurance for lost or stolen car.

The amount of premium for both types of vehicle insurance is of course different. Given the magnitude of risk is the possibility of a thing of the vehicle is also not the same.

Comprehensive insurance type (All Risk) bear the risk of loss as a whole, both vehicles are missing because of theft or loss as small as a broken mirror because terserempet another car. That's what makes premiums more expensive.

While insurance type Total Loss Only (TLO) the premiums are cheaper, because it knows the minimum losses. So the damage that causes loss of a few (less than 75% the price of the vehicle) not covered by insurance. Comparison premiums could double or more. Suppose that in a large vehicle insurance company premiums it TLO 1.25% of the value of the vehicle, the greater the premium All Risk can be reached 3% of the value of the vehicle.

Choose The Right Insurance Company

Vehicle insurance world developments in Indonesia from year to year is fluctuating. For example, before a riot or a flood some time ago, the business of insurance or not much can be said ogled'm lonely-lonely. As soon as the rains came that made a big flood in some areas of Jakarta, many vehicles that need serious improvement, because the submerged and the water washed away. Or, when a riot in the election. There was little damaged vehicles that can not be right again, because the whole bodinya charred burned. Can be estimated how many losses to be borne vehicle owners, because it does not take insurance. Perhaps because of such events that ultimately affect people's views will use vehicle insurance.

Since then people began to think again of the need to issue vehicle insurance. Because of the high market demand for vehicle insurance services, it is captured by the owners of capital as a profitable business opportunities. Therefore, many insurance companies emerged a new vehicle. Until now there are over 100 car insurance companies. Of course not all good service quality. This makes the competition among the insurance companies themselves become increasingly stringent. During the competition more healthy and improve the quality of service to consumers, the better. For example service claims process quick, emergency road assistance 24 hours a day, a third-party indemnification (the victim) until a certain amount, and so on. The problem now is that starting a war alarming premium rates that are less healthy and more illogical between them. While his claim service is very bad and disappointing. For that before submitting an application, we should choose an insurance company which is a public company, transparent and reliable. Health insurance companies, always reported its financial results periodically. By knowing the financial statements, we can know that certain insurance in insolvent circumstances (difficult to meet its obligations) or profitable (profitable). That way, we believe, that the premium we pay in a certain period not in vain. From time to time a consumer must file a claim, the insurance company will meet its commitments. So be careful and do not be affected by the insurance that offers low premiums alone.

Post Insurance

Actually to apply fairly easy vehicle insurance. The important thing is to determine the choice of insurance companies who really trusted. Come directly to the companies we choose to fill out and study the contents of the deal well before it was signed.

Determine which type of risk dependents who want to ditanggungkan by insurance companies (TLO or All Risk). Customize your vehicle with our risk, especially regarding the nature of the use of vehicle, year of manufacture, and other types of additional dependents.

Of applications that the company will conduct a survey vehicle concerned (the condition and feasibility). The insurance company will consider his willingness to be a guarantor of the submission of our application. Sometimes it can also not an agreement. For example because the vehicle was known as the dependents are insured in other companies. Or vehicles older than 5 years from the time of filing. But it could also depend on the amount of premiums we sanggupi.

What is certain is that the application had listed all the agreements which are agreement guidelines for the insurer (the insurance) and the insured (the owner of the vehicle). So that in the event of a claim, there are already clear rules for both parties.

Never Too Late Submits Claim

As a participant insurance, there are things that need attention. If a disaster such as having a traffic accident or theft, you should immediately contact the insurance company underwriter of our vehicles and report to the nearest police station. Equally important is taking care of paperwork requirements for insurance claims. If you can not be done alone because they have to go to the hospital, can provide a power of attorney to someone else. This is important because the prerequisite is the insurance claim accident certificate from the police or medical information from hospitals (if there are victims). Within a period of less than 3 × 24 hours since the incident, we must make a claim. After 3 × 24-hour insurance companies are not serving anymore. Why should 3 × 24 hours? That period was a stipulation and agreement among all insurance companies. This is to avoid misunderstanding, considering the number of external factors on the objects moving in public places such as vehicles. With the provision that if the insurance companies still need information from other parties will not require a long time.

source: translated from jualmobilbekas.com
Source: Mobilmotor January 2003