CHOOSING THE RIGHT INSURANCE LOSSES
You want to buy insurance policy? Do not rush. There are several things to consider when determining what insurance products you will use, either for yourself or for your employer. These tips can help you.
A.
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) on 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.
B.
Identify items / objects clearly
We recommend that you first identify the goods / objects that will 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 event factory.
C.
Choose an insurance company with good reputation
Do not be fooled by insurance companies who provide premium rate (amount paid for a unit of the protection granted) a low or a high premium pieces. If you do, can-can the insurance company can not settle the claim at the time you make a claim against them.
D.
Give the information as clearly as possible
Give the information as clearly as possible about the object you are 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), pieces or claim procedures.
E.
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 can ask or 4.1.A 4.1.B RSMD + + earthquake (earthquake) + flood (flood). Property insurance for buildings, you can ask property covers all risks (PAR). If you want to insure motor vehicles, have motor vehicle insurance covers all risks RSMD 4.1.A +, etc..
F.
Choose a package of insurance products
Instead of just choosing one insurance product, you are encouraged to select one package at a time. That way 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 family members.
G.
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 is not too large.
H.
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.
I.
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 document and duplicate the policy, complete with receipts as a sign of ownership and payment of insurance premiums
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