:: TIPS CHOOSE VEHICLE INSURANCE:
:: TIPS CHOOSE VEHICLE INSURANCE:
Choosing a car insurance is not
easy. Moreover, in the midst of a
tight competition nowadays. Nearly
all insurance companies have vehicle
insurance products. Living
prospective customers choose which
of eligible taken. For the below we
provide some criteria to select one:
1.
Prospective customers do not focused
on the premium rates low. For, in
the competition nowadays, many
insurance companies are tossing the
price, offer cheaper premium rates.
When there is not necessarily a
guarantee of service.
2.
See the insurance package offered.
For example, extensive warranties to
how many. For, this extensive
insurance must be adjusted with the
desire and ability to prospective
customers.
3.
See also the network from the
insurance company concerned. For
example, how many have branch
offices or how many vendors have
workshops, so that such claims are
not waiting long to fix the vehicle
or vehicles reported missing.
4.
Can be asked first, convenience, or
value-added facilities that can be
obtained when police in the company
to buy it. For example, if there is
a tow truck, car or hotline service,
repair services, car ambulance and
others. And, that is not less
important is the ease to make
changes and the ease in question.
5.
Consider also bonafiditas insurance
company. Do not be so until there is
a claim, the workshops did not have
any partners. For, many insurance
companies claim they are the best.
The financial condition is very
serious.
In addition to the above, there are
several factors that should be
considered in the process of
selecting an insurance company,
including in selecting products. It
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2 of 5 25/12/2008 23:15
should be remembered that in
choosing a private insurance
company, then that must be
considered in general are three
factors.
First, the financial strength of the
(security). Second, services
(service). And third, the cost or
burden. The financial strength of
insurance companies concerning the
financial ability to meet the
promise if circumstances require.
This is an important unknown,
because not a few insurance
companies that appear in the outer
dressed. For example, terraced
building, vehicle direksinya
good-good. But when the claims of
customers, the company is unable to
pay.
In assessing the financial strength
of this some measurements that need
attention.
a.
Asset and liabilitasnya. This report
can be viewed from the balance sheet
that was announced in the
newspapers. See also, whether the
investment is planted in the current
or longterm. In terms of liability
(ability to settle obligations) will
be visible in the balance, how
utangnya on reasuradur, how he would
fulfill the obligation to pay
claims, and others.
Indicators of liability, among
others, net equity (capital) divided
`` net premium (premium net) at
least 50%. Capital is divided ``
gross premium (gross premium) at
least 20%. Solvabilitasnya limit
level, visible from the capital
itself divided minimum net premium
of 10% and investment funds are
divided backup technique at least
100%.
b.
Policy underwriting. In the balance
sheet and annual report will be seen
that insurance is still destiny, or
profit growth. This means
underwiting it good policy.
c.
Underwriter-them. Insurance
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3 of 5 25/12/2008 23:15
employees have qualified or not. It
is known from the profile that
contains the company's underwriter.
Services (service) is the extent to
which the mirror of human resources
at the company is quality or not.
Moreover, the insurance company is
to sell services, the service is the
prime key. For example, the extent
to which the speed of service in the
police to issue especially in the
payment of claims or MORE.
In addition, concerning the service
could actually be perceived by
customers. Is the insurance company
is really to provide the best
service for its customers.
In this relationship should also
question whether insurance companies
in the reinsurance mereasuransikan
is that security is first class.
This can be seen from the annual
report. This is crucial, because if
the company is not in the back-up by
reinsurance, the company is likely
be received in the speculative
premium.
The problem is the cost of fees
issued by insurance companies in
operational. If greater than the
cost of implantation, then clearly
the company is not efficient. If you
are not efficient, the edges will
have losses. And, if the ongoing
loss, certainly not healthy.
In this relationship can also see
the price amount of the premium.
Compare the price of insurance
premiums with the same insurance the
other. Where the quality really
good.
Nowadays the government has already
identified one of the measurements
of health insurance (not only),
namely through mekanime RBC (Risk
Base Caital). If the number of RBC
it, this means the company is
considered in good condition. But we
can not be focused solely with RBC.
For, can also occur large companies
that are doing the expansion of
large-scale open as many branches,
the RBC figures it will surely
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4 of 5 25/12/2008 23:15
> swap
small.
Conversely, there is a small
insurance company but did not
expand, the number RBC might far
greater.
Thus, the number of RBC can not be
the only size, whether the insurance
company is healthy or not.
In this case, which also noteworthy
is the performance of the company in
two or three years. How big profits
obtained each year, how large the
gross premiums they receive each
year, how much additional capital
and assets each year.
And, that is not less important is
how the behavior of the management
company for this. Is there a
management company that has kept
their promise? Have management
experience wanprestasi this company
and others.
Choosing a car insurance is not
easy. Moreover, in the midst of a
tight competition nowadays. Nearly
all insurance companies have vehicle
insurance products. Living
prospective customers choose which
of eligible taken. For the below we
provide some criteria to select one:
1.
Prospective customers do not focused
on the premium rates low. For, in
the competition nowadays, many
insurance companies are tossing the
price, offer cheaper premium rates.
When there is not necessarily a
guarantee of service.
2.
See the insurance package offered.
For example, extensive warranties to
how many. For, this extensive
insurance must be adjusted with the
desire and ability to prospective
customers.
3.
See also the network from the
insurance company concerned. For
example, how many have branch
offices or how many vendors have
workshops, so that such claims are
not waiting long to fix the vehicle
or vehicles reported missing.
4.
Can be asked first, convenience, or
value-added facilities that can be
obtained when police in the company
to buy it. For example, if there is
a tow truck, car or hotline service,
repair services, car ambulance and
others. And, that is not less
important is the ease to make
changes and the ease in question.
5.
Consider also bonafiditas insurance
company. Do not be so until there is
a claim, the workshops did not have
any partners. For, many insurance
companies claim they are the best.
The financial condition is very
serious.
In addition to the above, there are
several factors that should be
considered in the process of
selecting an insurance company,
including in selecting products. It
Google Translate http://translate.google.com/translate_t
2 of 5 25/12/2008 23:15
should be remembered that in
choosing a private insurance
company, then that must be
considered in general are three
factors.
First, the financial strength of the
(security). Second, services
(service). And third, the cost or
burden. The financial strength of
insurance companies concerning the
financial ability to meet the
promise if circumstances require.
This is an important unknown,
because not a few insurance
companies that appear in the outer
dressed. For example, terraced
building, vehicle direksinya
good-good. But when the claims of
customers, the company is unable to
pay.
In assessing the financial strength
of this some measurements that need
attention.
a.
Asset and liabilitasnya. This report
can be viewed from the balance sheet
that was announced in the
newspapers. See also, whether the
investment is planted in the current
or longterm. In terms of liability
(ability to settle obligations) will
be visible in the balance, how
utangnya on reasuradur, how he would
fulfill the obligation to pay
claims, and others.
Indicators of liability, among
others, net equity (capital) divided
`` net premium (premium net) at
least 50%. Capital is divided ``
gross premium (gross premium) at
least 20%. Solvabilitasnya limit
level, visible from the capital
itself divided minimum net premium
of 10% and investment funds are
divided backup technique at least
100%.
b.
Policy underwriting. In the balance
sheet and annual report will be seen
that insurance is still destiny, or
profit growth. This means
underwiting it good policy.
c.
Underwriter-them. Insurance
Google Translate http://translate.google.com/translate_t
3 of 5 25/12/2008 23:15
employees have qualified or not. It
is known from the profile that
contains the company's underwriter.
Services (service) is the extent to
which the mirror of human resources
at the company is quality or not.
Moreover, the insurance company is
to sell services, the service is the
prime key. For example, the extent
to which the speed of service in the
police to issue especially in the
payment of claims or MORE.
In addition, concerning the service
could actually be perceived by
customers. Is the insurance company
is really to provide the best
service for its customers.
In this relationship should also
question whether insurance companies
in the reinsurance mereasuransikan
is that security is first class.
This can be seen from the annual
report. This is crucial, because if
the company is not in the back-up by
reinsurance, the company is likely
be received in the speculative
premium.
The problem is the cost of fees
issued by insurance companies in
operational. If greater than the
cost of implantation, then clearly
the company is not efficient. If you
are not efficient, the edges will
have losses. And, if the ongoing
loss, certainly not healthy.
In this relationship can also see
the price amount of the premium.
Compare the price of insurance
premiums with the same insurance the
other. Where the quality really
good.
Nowadays the government has already
identified one of the measurements
of health insurance (not only),
namely through mekanime RBC (Risk
Base Caital). If the number of RBC
it, this means the company is
considered in good condition. But we
can not be focused solely with RBC.
For, can also occur large companies
that are doing the expansion of
large-scale open as many branches,
the RBC figures it will surely
Google Translate http://translate.google.com/translate_t
4 of 5 25/12/2008 23:15
> swap
small.
Conversely, there is a small
insurance company but did not
expand, the number RBC might far
greater.
Thus, the number of RBC can not be
the only size, whether the insurance
company is healthy or not.
In this case, which also noteworthy
is the performance of the company in
two or three years. How big profits
obtained each year, how large the
gross premiums they receive each
year, how much additional capital
and assets each year.
And, that is not less important is
how the behavior of the management
company for this. Is there a
management company that has kept
their promise? Have management
experience wanprestasi this company
and others.
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