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Choose Insurance Losses Right | AUTO and CARZ Blog

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

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