Tips Choose Car Insurance

 Inevitably, a prolonged economic crisis that occurred, it was felt difficult by almost all sectors of business activity. This condition is becoming increasingly difficult, if companies have to bear the risks that may occur on the assets supporting activities. Because it is now a good time to transfer risk to the insurance company as a guarantor risk. But choosing a car insurance is sometimes tricky.

You are looking for and confused to choose car insurance?, Maybe a little tips below can be considered not forget I attach the information / offers for car insurance can you learn:

Now a growing number of car insurance products offered. Therefore, the principle carefully before buying, need to be applied, so as not to regret later. Before deciding to choose one of several auto insurance products are offered :

Determine the type of insurance coverage desired. Protection as a whole (All Risk) gives the best protection, but you need to take into account the economic side. Do not dwell on the size of the premium to be paid. See the companys credibility, particularly in terms of services, claims handling and financial capacity.
Many insurance companies are credible and bona fide, even without the support of re-insurance company. But it could not hurt to find out the track record of re-insurance company (if any). Does the company provide additional benefits, such as 24-hour claims service, free towing, insurance claims processing 24 hours, etc? It is better you see the companys partner network workshop. How much, where it is located and how the quality of these workshops. Understand anything what exactly your rights and obligations. What should you do and what not. Are there exceptions in the policy contract, what the pros and cons for you?

 Guide :

1. Quality:Make sure in advance that will diipilih insurance including insurance category who have got prediket Best General Insurance, Indonesian Best Brand Award, Indonsian Customer Satisfaction Award. Because with this certification has been clearly shows that the insurance is reliable, trustworthy, and proven to claim responsibility in serving customers.
2. Cost Own Risk (Risk of Self):Sometimes back and forth to the garage insurance is also something that makes lazy customers, let alone some insurers apply the claim with a payment system costs OR (Own Risk) or the risk itself is an average of 100,000 .- there are on a per incident, per collisions, and so of course it makes you encumbered by having to spend a lot of claims to pay OR if often back and forth to the garage insurance that is not necessarily the work of satisfying the customer service station for repair work by a mock or non-authorized. Sometimes the paint stripes Betong make your car body image as if it had devastating collision course this makes selling your car sank. Although the customer can complain to the insurance, but how long you wasted time loss. Its good for a very busy and lazy Bulak back to the shop to choose the insurance that insurance should be able to receive 1 (one) claim it but a collection of some of the clash / collision in different events, so maybe in a year is quite a time to workshop OR pay the insurance and enough body of the car once you seamlessly back because done by trusted repair shop or service station official (authorized). Frugal and efficient.
3. Claims Process:When the insurance claim process should be examined first, there are some car insurance claims process when the customer receives a convoluted once this is what we should have it ready lah lah surveyornya wait, sometimes have to argue first was when surveyed. Yet sometimes it took several days just to wait for SPK (Work Warrant) issued by the insurance company to the repair shop can fix our cars. Things like this sometimes customers feel ignored and a lot of time tebuang just to wait for a piece of paper / letter. Leave a process like this is already old, you should select an insurance claim that is not complicated when, less than 30 minutes faster SPK is in your hands so you stay menenetukan when to shop insurance.
4. Work:Many insurers are implementing some of the cheap rate, but what if the work is not qualified associates garage aka not serious and does not satisfy the customer. Sometimes paint your car look even striped Betong make your car body image as if it had devastating collision course this makes selling your car sank. Although the customer can complain to the insurance, but how long you wasted time loss. Pay attention to this and choose insurance with a trusted partner workshops and official (authorized). Remember that your vehicle is a valuable asset, do not underestimate the use of dubious insurance services simply because of differences in the price premium a few dollars only
5. Spare Parts (Spare Parts):Spare parts are an important part in your car, make sure the insurance guarantees that use original spare parts and warranty. Be careful with this insurance does not guarantee that fatal consequences.
6. Responsibilities of Third Parties (TJH / TPL) and PA (Personal Accident):This feature should be observed carefully, because when the incident hit the motorcycle accident collision samples sometimes - sometimes even a 3rd party is much more severe damage than us. Here the role of these features dipelukan, you should choose liability insurance with a major third party so you do not tebebebani extra cost. So also with the personal accident protection features driver / passenger it is also highly desirable. Choose the insurance that is included with this feature.
7. Free 24 Hour Service Protection:This is a very, very important when you choose auto insurance, many rely solely on car insurance and cheap rates only provide service but its protection is not very satisfactory, not 24-hour service, no telephone service is sometimes hard to contact even no one answered, sometimes Sometimes the area is also very limited protection at all times even just Jabotabek area only. You can get out of Jabotabek ketar-ketir if there is a problem with your car like a strike on the highway because of a flat tire, need towing, lock left behind in the car, run out of fuel, etc.. Leave this concern, choose insurance with 24-hour alert and wide area protection in Indonesia. So if you are touring out of town as far away as to Medan or Bali not worry if there are problems 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 riots & Flood):This feature is highly recommended that insurance can guarantee risk due to a disturbance of public order committed by a group of people, as well as official actions authorized in taking action against such interference, whether related to the strike and deterrence to work, and bear the civil unrest that bemotif politics. Also ensure the expansion of insurance losses caused by water overflowing out of the normal limit of rivers, lakes, swamps, water gate breakdown, breakdown dam, continuous rain that can not be accommodated by the water channel. Damage due to flooding include damage to the interior, exterior, dashboard panels, mechanical, electrical and other damage on the vehicle bemotor insured. Choose the insurance that has included this feature.
9. Flexible Payment In :Choose a car insurance premium payment is flexible, can be made by cash, wire transfer, or credit card (Visa / Mastercard). This may help your financial management.

That tips on how to choose good car insurance, may be useful for you all.





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