You want to buy the insurance policy? Do not rush. There are several things to consider when determining what insurance products will you use, either for yourself or for your employer. These tips can help you.

1. Separate items / objects in accordance with the calculation of economic
Select the items that really need 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 accessories into the calculation. Why? Because the recovery value for the company's computers is very low when compared to the current value of the computer or at the time of purchase will be insured.
Another example, you would take out insurance of motor vehicles (cars) the company's assets. If the cars to be insured are aged over 10 years, the economic cost of insurance premiums will be greater. Another case when a company can set their own / self insurance for vehicle assets.

2. Identify items / objects are clearly
We recommend that you first identify the item / object to be insured. For example, the Toyota Corolla sedan in 1998.
At the company, such a garment factory and its machinery, generators and other equipment associated with the activity of the plant.

3. Choose the insurance company with good reputation
Do not be fooled by insurance companies provide premium rate (the amount paid for a unit of protection afforded) a low or a high premium pieces. If you do, can-can the insurance company can not complete payment of the claim at the time you make a claim against them.

4. Give the information as clearly as possible
Provide information about the object as clearly as possible will you insured to the insurer / insurance broker. Instead, ask for 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 fees you will pay before the insurance starts paying compensation), or a piece of the claims procedure.

5. Ask your insurance coverage (insurance coverage) is best
You should ask the most extensive insurance surety before the insurance company issuing the insurance policy.
For example, for fire insurance Fire Insurance You could ask RSMD 4.1.A or 4.1.B + + earthquake (earthquakes) + flood (flood). Property insurance for buildings, you can ask for property cover all risks (PAR). If you want to insure motor vehicles, have the motor vehicle insurance covers all risks RSMD 4.1.A +, etc..

6. Choose a package of insurance products
Instead of just choosing one insurance product, you are encouraged to select one packet at a time. That way you will get discount facilities and better service. For example the purchase of home insurance (Fire Insurance) the following cars (Car Insurance) and personal accident for the family members.

7.Ask the system of "First Loss Insurance"
Special coverage for objects that have a value / number of very large, for example over 100 billion, have the system of "first loss insurance" to the insurance premiums that you pay is not too large.

8. Ask the system "Adjustable Policy"
Value / amount of insurance stock merchandise usually show 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 you have done.

9.Read, carefully and ask
Carefully read and examine the contents of the policy statement and the article-the article. Ask about the procedures that will claim you did before approving the issuance of insurance policies.
If there are errors in writing, either on the object of insurance or any other information, immediately notify the insurer / 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 and the duplicate policy document, complete with receipts as a sign of ownership and payment of insurance premiums

Related Post :



  1. Download PTK SMA on 2 Mei 2013 13.37

    Gak Ngeri Bahasa Inggris

  2. cari Batik on 2 Mei 2013 13.38

    Ini Artikel tentang Apa? yaa

  3. Jual Sprei Murah on 15 Mei 2013 10.27

    what are you talking about???

  4. blogtoyota on 15 Mei 2013 14.27

    insurance in Indonesia is different from american policy..

  5. baca disini menarik loh on 12 Juli 2013 10.11

    asuransikan mobil anda, sebelum mendapatkan kerusakan yang parah

  6. Blanca on 15 Agustus 2013 22.53

    emmm that's good :)

  7. mencari jilbab oneline on 9 Oktober 2013 21.55

    Salam kenal sukses selalu

  8. hari ibu on 19 Desember 2013 09.31

    blognya pake inglish nih keren sob.. cume jadi bengong kagak ngerti, btw sukses deh

  9. Kacamata Online on 7 Mei 2014 15.44

    Terimakasih informasinya..
    Kacamata Online

  10. situs sbobet terpercaya on 21 September 2015 21.23

    keren postingannya.. AMAZING hehehe...
    lanjutkan kk,
    permisi numpang lapak :
    agen sbobet
    agen ibcbet
    agen sbobet terpercaya
    situs sbobet terpercaya
    situs sbobet

  11. Blogger on 13 Agustus 2017 09.38

    eToro is the #1 forex broker for beginner and professional traders.

Leave a Reply