If you already have insurance, there are times when we will start selecting some type of insurance is right for us. Therefore, the selection of the proper insurance is something that must be considered. The following will explain the selection of appropriate yanng insurance, and the things that need to be considered in the selection:
Separate the items / objects in accordance with the calculation of economic.
Choose the items that really need to 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 will take the 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 on vehicle assets.
Identify items / objects are clearly
We recommend that you first identify the goods / objects that will be insured. For example, the Toyota Corolla sedan 1998. At the company, such a garment factory and its machinery, generators and other equipment associated with the event factory.
Choose the insurance company with good reputation
Do not be fooled by insurance companies who provide premium rate (amount paid for a unit of the protection provided) is low or high cut premiums. If you do, can-can the insurance company can not settle the claim at the time you make a claim against them.
Give the information as clearly as possible
Give information about an 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 would pay before the insurance starts paying compensation), pieces or claim procedures.
Ask your insurance coverage (insurance coverage) is best
You should ask the most extensive insurance before the insurance company guarantee insurance policy issued.
For example, for fire insurance Fire Insurance you can ask or 4.1.A 4.1.B RSMD + + earthquake (earthquake) + flood (flood). For property insurance building, 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..
Ask the system "First Loss Insurance"
Special coverage for objects that have a value / number of very large, eg above 100 billion, have the system of "first loss insurance" to the insurance so the premiums you pay are not too large.
Ask the system "Adjustable Policy"
The value / amount of insurance stock merchandise usually show a different volume each day or each month. To fix this, you can ask the system of "adjustable policies". With this system you will pay premiums in accordance with the volume / transactions that actually you have done.
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 and 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, have the original documents as well as duplicate the policy, complete with receipts as a sign of ownership and payment of insurance premiums
