tips choose vehicle insurence: :

tips choose vehicle insurence: :
choose vehicle insurence really not easy. even less at tight rivalry midst these days. most of all company has vehicle insurence product. live customer candidate chooses to which proper taken. for that hereunder we present several criterias so that not wrong choose: 1. customer candidate don't immovable in cheap premium rate. because, in rivalry these days, many company insurence that trading down, offered cheap premium rate. while not yet sure there service guarantee.
2. see insurence package on the market. guarantee vast for example until how many. because, vast this guarantee must be accustommed with willing and customer candidate ability.
3. see also network from company insurence concerned. for example how many has office of branch or how many has partner repair shop, so that so there claim doesn't wait long to repair vehicle or report that vehicle.
4. can be asked in advance ease, facilities or what be can be got when buy policy at company that. for example, is there crane car, successor car or hotline service, mechanic service, ambulance car and other as it. and, not less important ease to do changes with ease in ask.
5. necessary considering also bonafiditas company the insurence. don't until so there claim, partner repair shop even also doesn't has. because, many company insurence claimeds them best. while the finance condition very mortally.
besides above mentioned, still there are some factor should considering in course of choose a company insurence belong in choose product. matter important to remember that is in choose to company private insurence, so that must considering in general three factors.
first, finance strength (security). second, service (service). and third, cost or load. insurence finance strength concerns company's finance ability to fulfill the promise if conditon wants. matter is important known, because by dozens company appear insurence at outside it luxurious. high rise the building for example, vehicle mereksinya good. but when happen claim from customer, company doesn't can to pay.
in evaluate this finance strength there are some measuring rod necessary is payed.
a.
asset and the limite. this can be seen from finance balance report that announced at newspaper. see also, is the investment planted in current or longterm. from limite aspect (ability will liquidate duty) be seed in balance, how does the debt in reasuradur, how does he fulfil duty pay claim, and other as it.
limite indicator among others net equity (capital self) is divided `net premi` (clean premium) minimal 50%. capital self divided `gross premi` (dirty premium) minimal 20%. the solvability level limit, seen from capital self divided minimal clean premium 10% and investment fund is divided minimal technique reservist 100%.
b. underwriting policy. at balance and annual report will be seen that the insurence will still luck, or experience profit growth. this means underwiting policy- good.
c. underwriter-. has energies have a certain quality or not. that known from profile companies that hold underwriter-.
service (service) is mirror how far human resource at company have a certain quality or not. even less, company insurence sell service, so service prima be main key. for example, how far good service speed in publisheds policy even less in help payment or claim.
besides, service exercise actually can be feeled self by customer. what company this insurence really give best service made the customer.
in this connection is necessary also questioned, what company this insurence mereasuransi in reinsure first class the security. this can be seen from the annual report. matter is important payed, because when company not -back-up by reinsure, big possibility companies has speculative in get premium.
cost problem how big cost that taked by company insurence in the operational. if cost bigger membanding entering, so clear company inefficient. if inefficient, so ujung-ujung will experience loss. and, if continual lost, certain indisposed.
in this connection can also be seen the premium price. compare insurance premium price equal to other insurence. which the quality really good.
these days government has determined one of [the] insurence well-being measuring rod (not only) that is pass mekanime rbc (risk base caital). if number rbc- big, this means company evaluated in a condition good. but we may not immovable only with number rbc. because, can also happen to company big that in pursuance of expansion on a large scale is like to open many office of branch, so number rbc- certain little.
on the contrary, there company little insurence but never do expansion, so number rbc- may be far bigger.
so, number rbc can not be made as only size, what company that insurence well or not.
in this case also fitting payed performance companies in two or three the last year. how big profit that got per annum, how big premium bruto they accept per annum, how big capital increasing and asset every year.
and, not less important how does company management behaviour during the time. is company management that is during the time break a promise? pernahkah this company management experiences wanprestasi and other as it.
source:
http://www.asuransi-mobil.com