Business to Insurances

You want to buy a life insurance policy? Do not rush. There are several things to consider when determining what insurance products are going to wear, either for yourself or for your employer. These tips choose insurance losses can help you.

1. Separate items / objects according to their economic calculations
Choose items that really need to be insured so you have nothing to lose. For example, if you intend to take out fire insurance on the house and household furniture, then you do not need to enter the computer and all the accessories into the calculation. Why? Because the value of recovery for computer companies is very low when compared to the current value of the computer or at the time of purchase will be insured.
Another example, you will take a motor vehicle (car) the company's assets. If the cars to be insured are aged over 10 years, the economic cost of the insurance premiums will be greater. Another case if the company can manage yourself / self-insurance on vehicle assets.

2. Identify items / objects clearly
You should first identify the goods / objects to 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 activity of the plant.

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

4.
Give information clearly
Give a very clear statement about the object would you insured to the insurer / insurance broker. Instead, ask for more information as the insurance products they offer. You can ask about the types of insurance, extensive warranties, rate premiums, deductibles (the amount of the cost that you would pay before the insurance starts paying compensation), or pieces of the claims procedure.

5.
Ask for insurance coverage (insurance coverage) is the most well
You should ask the most knowledgeable insurance before the insurance guarantee insurance policy issued.
For example, for fire insurance Fire Insurance you could ask + + RSMD 4.1.A or 4.1.B earthquake (earthquake) + flood (flood). Property insurance for buildings, you can ask for cover property all risks (PAR). If you want to insure a motor vehicle, ask your auto 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 choose one package at a time. By doing so you will get discount facilities and better service. For example, the purchase of home insurance (Fire Insurance) following cars (Car Insurance) and personal accident for the family members.

7.
Ask the system "First Loss Insurance"
Especially for objects that have a value / number of very large, for example in the Rp100 billion, have the system of "first loss insurance" to the insurance so the premium you pay is not too big.

8.
Ask the system "Adjustable Policy"
Value / amount of insurance stock merchandise typically exhibit different volume every day or every month. To fix this, you can ask the system "adjustable policy". With this system you will pay a premium in accordance with the volume / transaction really you've done.
9.
Read, carefully and ask
Carefully read and examine the contents of the policy statements and articles thereof. Ask about the procedures that will claim you do before agreeing to the issuance of insurance policies.
If there are errors in writing, either on the object of insurance and other information, immediately notify the insurer / insurance broker. They will soon issue a written improvement in the policy.


Source: Asuransimobil.com