Best Cars and Desaing Cars: insurance companies

Showing posts with label insurance companies. Show all posts

Sunday, December 6, 2009

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)

Saturday, December 5, 2009

choosing a good car insurance by Triagus

Ingredients:
Inevitably, a prolonged economic crisis that happened, felt
difficult by almost all sectors of business activity. This condition becomes increasingly difficult, if the company had to bear the risks that might occur on the assets supporting activities. Therefore, now is the time to transfer risk to the insurance company as a guarantor risk. But choosing a car insurance sometimes tricky.

You're looking for and confused choosing car insurance?, Maybe these tips can be a bit under consideration do not forget I enclose information / quote for car insurance can be the mother / father learned:

Directions:

1. Quality:
Make sure the insurance first to be elected, including insurance categories have got prediket Best General Insurance, Indonesian Best Brand Award, Indonsian Customer Satisfaction Award. Because with this certification clearly shows that the insurance is reliable, trustworthy, and proven responsibility in serving the customer claim.

2. Cost Own Risk (Own Risk):
Sometimes back and forth to the repair shop insurance is also something that makes lazy customers, especially some of the insurance claim the system to apply to the payment of fees OR (Own Risk) or the risk itself is an average of Rp 100,000 .- one based on per event, per collision, and so of course it makes you be much burdened with the cost claim to pay OR if frequent back and forth to the shop insurance, not necessarily satisfying the customer's machine shop work done by the workshop for the mock or non-authorized. Sometimes the paint striped body image Betong make your car as if it had tremendous impact this would make your car selling points decline. Although the customer can complain to the insurance, but how long the loss of your time wasted. It's good for a very busy and lazy Bulak insurance back to the workshop should select an insurance can receive 1 (one) claim it but a collection of some of the impact / collision events within different, so maybe in a year enough time to 1 garage insurance and pay a one time OR your car body back smoothly because the garage was done by a trusted or authorized repair shop (authorized). Save and efficient.

3. Claim Process:
As to the insurance claim process should be examined first, there are several car insurance when the customer receives the claim so convoluted it is to have it ready lah lah surveyornya wait, sometimes have to argue is the first survey. Yet sometimes take a few days just to wait for SPK (Work Warrant) issued the insurance to the repair shop could fix our cars. Things like this sometimes customers feel ignored and a lot of time to wait tebuang just a piece of paper / letter. Leave a process like this is already old, you should select an insurance claim is not complicated as fast less than 30 minutes of PRS was in your hands so you stay in the shop when determining insurance.

4. Work:
Many are applying some insurance rates cheap, but what if the result of the workshop was not qualified associates mock alias and not satisfying the customer. Sometimes even the paint of your car looks a mess, make your car body image as if it had tremendous impact this would make your car selling points decline. 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 that your vehicle is a valuable asset, do not Sepelekan using dubious insurance services just because the difference in price premiums just a few dollars

5. Spare Parts (Spare Parts):
Spare parts are the most important part in your car, make sure the insurance guarantee spare part that used the original with warranty. Be careful with insurance that does not guarantee this so fatal consequences.

6. Responsibility to Third Parties (TJH / TPL) and the PA (Personal Accident):
This feature should be observed carefully because at the time of the accident hit a motorcycle crash example sometimes - sometimes 3rd party even more severe damage than us. Here dipelukan role of this feature, we suggest you choose an insurance with the responsibility to the big three, so 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 Service Protection 24 Hours:
This is a very, very important when we choose car insurance, car insurance that many rely on and provide cheap rates only protection but service was not satisfactory, no 24-hour service, no telephone service sometimes difficult to be reached even nothing is said, sometimes Sometimes the area is also very limited protection was sometimes only Jabotabek area only. Exiting the Jabotabek, you can not worry if there is a problem with your car like a strike on the highway due to a flat tire, need a crane, a key left in the car, run out of fuel, etc.. Leave this concern, select the insurance with 24-hour alert and wide area protection in Indonesia. So if you are touring out of town as far as to Medan or Bali not worry if there is a 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 Huru Hara & Flood):
This feature is highly recommended insurance that will ensure the risk resulting from a disturbance of public order committed by a group of people, and the actions the authorities in taking actions against such interference, whether related to the strike and counteraction to work, and civil unrest which took political bemotif. Also ensure the expansion of insurance losses caused by water overflowing out of the normal limits of the river, lakes, swamps, jebolnya floodgates, dams jebolnya, continuous rain that can not be accommodated by water channels. Damage due to flooding include damage to the interior, exterior, dashboard panels, mechanical, electrical and other damage to the insured vehicle bemotor. Select insurance already included this feature.

9. Flexibility In Payment:
Choose your car insurance premium payments flexible, can be done with cash, transfer, or credit card (Visa / Mastercard). This may help your financial management.

source : translated from http://triagus.multiply.com/recipes/item/16

Saturday, November 28, 2009

Salaam Halal: Shariah-Based Car Insurance First in the UK

Today, the Muslim community in the UK can choose Shariah-based insurance for his vehicle. One insurance company in the UK, have automobile insurance product called "Salaam Halal".

Salaam Halal uses Takaful principles. This principle makes all members share the risks are balanced. Funds collected from the policyholders are stored in the form of Shariah investments. If at any time the policyholder filed a claim, the company pays the claim from the funds collected. Each end of the year, the funds collected are evaluated, if there is excess [surplus] will be distributed to policyholders in the form of a discount the next premium payment.

Actually, Salaam Halal was launched in mid 2008 and then, but just could
serving customers in 2009. Since the product was launched, the British public's enthusiasm is very large. Proved, in the first seven days Salam Halal launch site Moneysupermarket.com, the management has received more than 37 thousand comments and questions from the public.

Ahmed Hassan, one of his Muslim customers expressed excitement because finally he can follow the car insurance based on Shariah. "Salaam Halal Car Insurance for me to have a competitive price. But most important, is in line with Muslim beliefs, something that had never existed, "he said.

Principle Salaam Halal held that it also attracted non-Muslim citizens. Bradley Brandon-Cross, chief executive of Salaam Halal Insurance said, "What makes that unique is our principle stretcher. Has a very transparent process and an opportunity to profit again, this is very interesting customers, both Muslim and non-Muslims. "

To ensure that Salaam Halal actually implementing the principles of Shari'a, all activities, whether in the form of investment, operational, or administrative, overseen by a Sharia Supervisory Committee, an international organization consisting of scholars from various countries.

Salaam Halal presence complements the assumption that the UK has become one of the Islamic financial center in the world. Until now, there are four certificates held by the Islamic Bank of England. No other country in Europe that holds the certificate.