Inevitably, a prolonged economic crisis that happened, felt
difficult by almost all sectors of business activity. This condition becomes increasingly difficult, if the company had to bear the risks that might occur on the assets supporting activities. Therefore, now is the time to transfer risk to the insurance company as a guarantor risk. But choosing a car insurance sometimes tricky.
You're looking for and confused choosing car insurance?, Maybe these tips can be a bit under consideration do not forget I enclose information / quote for car insurance can be the mother / father learned:
Directions:
1. Quality:
Make sure the insurance first to be elected, including insurance categories have got prediket Best General Insurance, Indonesian Best Brand Award, Indonsian Customer Satisfaction Award. Because with this certification clearly shows that the insurance is reliable, trustworthy, and proven responsibility in serving the customer claim.
2. Cost Own Risk (Own Risk):
Sometimes back and forth to the repair shop insurance is also something that makes lazy customers, especially some of the insurance claim the system to apply to the payment of fees OR (Own Risk) or the risk itself is an average of Rp 100,000 .- one based on per event, per collision, and so of course it makes you be much burdened with the cost claim to pay OR if frequent back and forth to the shop insurance, not necessarily satisfying the customer's machine shop work done by the workshop for the mock or non-authorized. Sometimes the paint striped body image Betong make your car as if it had tremendous impact this would make your car selling points decline. Although the customer can complain to the insurance, but how long the loss of your time wasted. It's good for a very busy and lazy Bulak insurance back to the workshop should select an insurance can receive 1 (one) claim it but a collection of some of the impact / collision events within different, so maybe in a year enough time to 1 garage insurance and pay a one time OR your car body back smoothly because the garage was done by a trusted or authorized repair shop (authorized). Save and efficient.
3. Claim Process:
As to the insurance claim process should be examined first, there are several car insurance when the customer receives the claim so convoluted it is to have it ready lah lah surveyornya wait, sometimes have to argue is the first survey. Yet sometimes take a few days just to wait for SPK (Work Warrant) issued the insurance to the repair shop could fix our cars. Things like this sometimes customers feel ignored and a lot of time to wait tebuang just a piece of paper / letter. Leave a process like this is already old, you should select an insurance claim is not complicated as fast less than 30 minutes of PRS was in your hands so you stay in the shop when determining insurance.
4. Work:
Many are applying some insurance rates cheap, but what if the result of the workshop was not qualified associates mock alias and not satisfying the customer. Sometimes even the paint of your car looks a mess, make your car body image as if it had tremendous impact this would make your car selling points decline. Although the customer can complain to the insurance, but how long the loss of your time wasted. Pay attention to this and select the insurance with a trusted partner workshops and official (authorized). Remember that your vehicle is a valuable asset, do not Sepelekan using dubious insurance services just because the difference in price premiums just a few dollars
5. Spare Parts (Spare Parts):
Spare parts are the most important part in your car, make sure the insurance guarantee spare part that used the original with warranty. Be careful with insurance that does not guarantee this so fatal consequences.
6. Responsibility to Third Parties (TJH / TPL) and the PA (Personal Accident):
This feature should be observed carefully because at the time of the accident hit a motorcycle crash example sometimes - sometimes 3rd party even more severe damage than us. Here dipelukan role of this feature, we suggest you choose an insurance with the responsibility to the big three, so you are not burdened with extra costs. Likewise with personal accident protection features driver / passenger it is also very necessary. Select insurance which is included with this feature.
7. Free Service Protection 24 Hours:
This is a very, very important when we choose car insurance, car insurance that many rely on and provide cheap rates only protection but service was not satisfactory, no 24-hour service, no telephone service sometimes difficult to be reached even nothing is said, sometimes Sometimes the area is also very limited protection was sometimes only Jabotabek area only. Exiting the Jabotabek, you can not worry if there is a problem with your car like a strike on the highway due to a flat tire, need a crane, a key left in the car, run out of fuel, etc.. Leave this concern, select the insurance with 24-hour alert and wide area protection in Indonesia. So if you are touring out of town as far as to Medan or Bali not worry if there is a problem with your car. This feature needs to be considered for those of you who love to travel far (touring).
8. SRCC (Strike, Riot and Civil commotion - Riots, Strikes and Huru Hara & Flood):
This feature is highly recommended insurance that will ensure the risk resulting from a disturbance of public order committed by a group of people, and the actions the authorities in taking actions against such interference, whether related to the strike and counteraction to work, and civil unrest which took political bemotif. Also ensure the expansion of insurance losses caused by water overflowing out of the normal limits of the river, lakes, swamps, jebolnya floodgates, dams jebolnya, continuous rain that can not be accommodated by water channels. Damage due to flooding include damage to the interior, exterior, dashboard panels, mechanical, electrical and other damage to the insured vehicle bemotor. Select insurance already included this feature.
9. Flexibility In Payment:
Choose your car insurance premium payments flexible, can be done with cash, transfer, or credit card (Visa / Mastercard). This may help your financial management.
source : translated from http://triagus.multiply.com/recipes/item/16
