Selasa, 11 Desember 2012
Senin, 10 September 2012
How to Choose Your Car Insurance For Protected From Fraud
Have you ever heard of car insurance? you would often hear about how to choose car insurance. Indeed, many scattered on the internet that discuss car insurance, but just to explain briefly. In this article we will discuss about how to choose the right car insurance so you do not have to worry.
There are many insurance companies in Indonesia and offers a form of protection and vehicle maintenance such as your car or other vehicle. But you do not have to just believe, learn first.
All companies engaged in automobile insurance providing them a superior product. Customer need to do a thorough inspection and learn what companies offer auto insurance that there will be a right choice. As for how to choose the right car insurance is as follows:
1. Cheap rate is not a guarantee for customers. Because many companies to lower their prices because of the competition the company, but no assurance services.
car insurance, how to choose car insurance, insurance policies, car insurance companies
car insurance
2. Check the insurance is on offer to you. Bail especially you can check, whether a lot or a little or reliable? because it reflects the amount of collateral that they have more capabilities as well, however they offer in accordance with the Traffic and desires of prospective customers.
3. See how many branches of auto insurance companies and whether it has business associates engaged in the workshop so as to ensure if the vehicle we are having problems and report if your vehicle is lost.
4. What facilities are provided. Are amenity, facility or maybe there is added value that can be given if you purchase their insurance policy. If the insurer has complete facilities it must have a tow truck, car replacement or hotline services, mechanic services, ambulances or anything that can guarantee your vehicle. The most important thing is that given the ease and convenience of obtaining information if there is anything you ask.
5. The ability of these companies need to look in other words, see how bona fide company. Experience says that many companies are claiming that they have a bona fide company when its financial condition is very severe.
6. Financial strength qualified for private insurance and also need to look at is the services on offer. To note also is the issue of costs or expenses that is provided to potential customers. many insurance companies that have a large and multi-storey buildings, vehicle operations that good but actually it's just camouflage to trick prospective customers.
In addition to the experienced people as expressed by the Head, Marketing Communications & PR PT. Insurance Astra Buana, Lawrence Iwan Sutanto Pranoto that each candidate needs to know even fully understand how to choose car insurance from an insurance policy and choose the car insurance really needed your vehicle. Car insurance companies should also have a good track record and has the financial statements are reliable and have the consumer or customer complaints center.
Car insurance companies should be willing to accept complaints from customers continuously for 24 hours and see many customer complaints from time to time.
See the performance of insurance companies in 2 or 3 years. Corporate profits are also to be seen every year, especially the gross premiums received per year. Them how much additional capital each year.
And, last but not least is how the behavior of the company's management over the years.
There are many insurance companies in Indonesia and offers a form of protection and vehicle maintenance such as your car or other vehicle. But you do not have to just believe, learn first.
All companies engaged in automobile insurance providing them a superior product. Customer need to do a thorough inspection and learn what companies offer auto insurance that there will be a right choice. As for how to choose the right car insurance is as follows:
1. Cheap rate is not a guarantee for customers. Because many companies to lower their prices because of the competition the company, but no assurance services.
car insurance, how to choose car insurance, insurance policies, car insurance companies
car insurance
2. Check the insurance is on offer to you. Bail especially you can check, whether a lot or a little or reliable? because it reflects the amount of collateral that they have more capabilities as well, however they offer in accordance with the Traffic and desires of prospective customers.
3. See how many branches of auto insurance companies and whether it has business associates engaged in the workshop so as to ensure if the vehicle we are having problems and report if your vehicle is lost.
4. What facilities are provided. Are amenity, facility or maybe there is added value that can be given if you purchase their insurance policy. If the insurer has complete facilities it must have a tow truck, car replacement or hotline services, mechanic services, ambulances or anything that can guarantee your vehicle. The most important thing is that given the ease and convenience of obtaining information if there is anything you ask.
5. The ability of these companies need to look in other words, see how bona fide company. Experience says that many companies are claiming that they have a bona fide company when its financial condition is very severe.
6. Financial strength qualified for private insurance and also need to look at is the services on offer. To note also is the issue of costs or expenses that is provided to potential customers. many insurance companies that have a large and multi-storey buildings, vehicle operations that good but actually it's just camouflage to trick prospective customers.
In addition to the experienced people as expressed by the Head, Marketing Communications & PR PT. Insurance Astra Buana, Lawrence Iwan Sutanto Pranoto that each candidate needs to know even fully understand how to choose car insurance from an insurance policy and choose the car insurance really needed your vehicle. Car insurance companies should also have a good track record and has the financial statements are reliable and have the consumer or customer complaints center.
Car insurance companies should be willing to accept complaints from customers continuously for 24 hours and see many customer complaints from time to time.
See the performance of insurance companies in 2 or 3 years. Corporate profits are also to be seen every year, especially the gross premiums received per year. Them how much additional capital each year.
And, last but not least is how the behavior of the company's management over the years.
Choosing a Good Car Insurance Company
Few tips about auto insurance, ie How to Choose a Good Car Insurance Company.
Previously I suggest those of you who want to insure your car, that do not easily believe ads that offer deals on behalf of insurance companies that provide good, because it could have been just a cover purely business to attract the target user services. Therefore, before you choose a car insurance, you should consider first tips on How to Choose a Good Car Insurance Company.
First Tips Choosing a Good Car Insurance Company
Reinsurance companies have, how easy it can be interpreted as an auto insurance company that manages this. to ensure the safety of money paid for your car.
Tip two Choosing a Good Car Insurance Company
Age insurance, the older the insurance company you are going to follow, it will be better, because of the age and experience, the insurance company has matured in terms of insurance.
Third Tips Choosing a Good Car Insurance Company
Finance companies take your insurance, the company will try to ask the insurance you really have a good financial history and no serious financial problems.
Tips fourth Choosing a Good Car Insurance Company
Customers, from client sources, so we know what their complaints, and how they in providing insurance services to its clients, the insurance company can say it was good.
Good tips Tips First choose a Good Car Insurance Companies useful for those of you who want to get comfortable driving by insuring your vehicle in good insurance.
Previously I suggest those of you who want to insure your car, that do not easily believe ads that offer deals on behalf of insurance companies that provide good, because it could have been just a cover purely business to attract the target user services. Therefore, before you choose a car insurance, you should consider first tips on How to Choose a Good Car Insurance Company.
First Tips Choosing a Good Car Insurance Company
Reinsurance companies have, how easy it can be interpreted as an auto insurance company that manages this. to ensure the safety of money paid for your car.
Tip two Choosing a Good Car Insurance Company
Age insurance, the older the insurance company you are going to follow, it will be better, because of the age and experience, the insurance company has matured in terms of insurance.
Third Tips Choosing a Good Car Insurance Company
Finance companies take your insurance, the company will try to ask the insurance you really have a good financial history and no serious financial problems.
Tips fourth Choosing a Good Car Insurance Company
Customers, from client sources, so we know what their complaints, and how they in providing insurance services to its clients, the insurance company can say it was good.
Good tips Tips First choose a Good Car Insurance Companies useful for those of you who want to get comfortable driving by insuring your vehicle in good insurance.
Choosing the Best Car Insurance Company For You
If you are looking for cheap car insurance, you will consider one factor that is about the life of a company or exactly how long the car was standing firm. and it is the right choice for a layperson. and of course that offers competitive prices and cheap.
Getting vehicle insurance, truck, minivan and even you, are the needs that could be considered mandatory for all vehicle owners. given the risk of damage and repair costs are also increasingly expensive. With auto insurance, we are a little quiet with the transfer of responsibility of risk.
In general, the insurance company is best for your car can not be separated from the performance as well as the climate itself an insurance company, for example an insurance company that is often a problem for the customer, often not fulfilled even claim that we are not satisfied with the service and the sole risk of the insurance .
But do not also choose an insurance company with a worldwide reputation but did not like the tone of domicile, because it will be difficult to take care of the claims in the future, unless there are branch offices and extensive network.
Make sure you have car insurance at competitive prices, not too high and not too low compared with the same insurance company with a local company or a recommendation from someone else, needs to carefully and meticulously.
Many companies will offer lower insurance rates or cheaper or more affordable than others of the same type in terms of products and policies.
Some companies take into account the report's credit rating of the customer in determining the level of risk for the insurance company, if you have bad credit or bad marks on your credit report, then you would normally be difficult to accept insurance customers.
And as considerations do not also choose an insurance company that provides high premiums, because maybe it was just to cover the risk of the insurance company's own ugliness. Select existing fair discount and talking to friends and family, it's much easier to make a decision about choosing the best insurance company for your car.
Getting vehicle insurance, truck, minivan and even you, are the needs that could be considered mandatory for all vehicle owners. given the risk of damage and repair costs are also increasingly expensive. With auto insurance, we are a little quiet with the transfer of responsibility of risk.
In general, the insurance company is best for your car can not be separated from the performance as well as the climate itself an insurance company, for example an insurance company that is often a problem for the customer, often not fulfilled even claim that we are not satisfied with the service and the sole risk of the insurance .
But do not also choose an insurance company with a worldwide reputation but did not like the tone of domicile, because it will be difficult to take care of the claims in the future, unless there are branch offices and extensive network.
Make sure you have car insurance at competitive prices, not too high and not too low compared with the same insurance company with a local company or a recommendation from someone else, needs to carefully and meticulously.
Many companies will offer lower insurance rates or cheaper or more affordable than others of the same type in terms of products and policies.
Some companies take into account the report's credit rating of the customer in determining the level of risk for the insurance company, if you have bad credit or bad marks on your credit report, then you would normally be difficult to accept insurance customers.
And as considerations do not also choose an insurance company that provides high premiums, because maybe it was just to cover the risk of the insurance company's own ugliness. Select existing fair discount and talking to friends and family, it's much easier to make a decision about choosing the best insurance company for your car.
Secrets of Success Set Family Finances
The main problem there is always a family usually over money. Could be due to lack of money, excess money :) or confused about how to manage money as a mediocre income while the demand always exceeds the income.
But it was all word of mouth key is how to manage personal finances or intelligently, carefully and well. Due to problems managing money regardless of your poor, medium or rich. Because anyone can manage the family finances, it can be said 50% of their already successful and successful in financial terms.
For those in this article we will share one of the tips are taken from one of the endorsers MyFamily Accounting, Mr. Ahmad Gozali. As he gave a troubleshooting tips and secrets of how to be a successful family in managing the family finances. The secret of success is to do the following steps in order and discipline, namely:
Whenever the salary the most important first step you should do first is to pay the mortgage debt in advance. Why? Because debt is the most important duty that you must fulfill to others whether from banks and other financial institutions. Because your discipline in paying installments and the report card is a reflection of your good name in their eyes. Once you are late / absent pay then your name will be entered in a black list should be wary of the future. So keeping a good name as a debtor is crucial here, because later would be beneficial in the future. Beside that prioritizing repayments, it means that we have to appreciate our creditors who have kindly lent us money.
After paying the mortgage debt, the next thing you do is to tithe or give religious donations. Loh why so? Yes this is one proof of our gratitude to God Almighty, God Almighty who has given the gift of luck to all of us, so that we can do everyday economic activities smoothly without any flaws. By allocating special funds for these worthy causes then certainly Allah will raise the bounty and abundance to us. Do we want more and more loved by the Creator and Giver of our sustenance?
After tithe what else huh? Furthermore, that is not less important is to set aside at least 10% of your income for savings / investments. Wow, why you save it in front of you? Instead of saving it in the end if the alias if there are remaining? :) He .. he .. he .. that's one of our bad habits to wait if there is money left over at the end of the month, when in fact almost always there is nothing left right? Which means we will never be able to save. Well, now the trend and is a good habit of saving at the front, with a straight cut every time receive a salary / income. For more on what and how the discipline of saving this we have explained in my previous article titled "Tips for Saving Income bit".
Now the last step is new for sure we like with that please spend money wages / income left :) Please we spent to meet various purposes like shopping routine family fill the kitchen, meals, side dishes, insurance, school, recreation, purchasing clothes and another as much :) Tasty is not it? Yes of course you should do this because we already meet all the essential items that could cause damage to the financial condition of the family as happy playing for time to pay the mortgage debt, and do not forget to tithe was saved because it has run out of money first and hope for the rest. And by following steps 1-4 above of course we're all going to achieve success in managing family finances without the headache and stress.
Hopefully the secrets of success over the family finances can benefit us all, which of course if you want to achieve it must be by way of practiced / applied directly aided especially by using the tools that are popular today are MyFamily Accounting software will further facilitate its implementation. So that later we can go to the new next step is starting to learn to invest. Good luck!
But it was all word of mouth key is how to manage personal finances or intelligently, carefully and well. Due to problems managing money regardless of your poor, medium or rich. Because anyone can manage the family finances, it can be said 50% of their already successful and successful in financial terms.
For those in this article we will share one of the tips are taken from one of the endorsers MyFamily Accounting, Mr. Ahmad Gozali. As he gave a troubleshooting tips and secrets of how to be a successful family in managing the family finances. The secret of success is to do the following steps in order and discipline, namely:
Whenever the salary the most important first step you should do first is to pay the mortgage debt in advance. Why? Because debt is the most important duty that you must fulfill to others whether from banks and other financial institutions. Because your discipline in paying installments and the report card is a reflection of your good name in their eyes. Once you are late / absent pay then your name will be entered in a black list should be wary of the future. So keeping a good name as a debtor is crucial here, because later would be beneficial in the future. Beside that prioritizing repayments, it means that we have to appreciate our creditors who have kindly lent us money.
After paying the mortgage debt, the next thing you do is to tithe or give religious donations. Loh why so? Yes this is one proof of our gratitude to God Almighty, God Almighty who has given the gift of luck to all of us, so that we can do everyday economic activities smoothly without any flaws. By allocating special funds for these worthy causes then certainly Allah will raise the bounty and abundance to us. Do we want more and more loved by the Creator and Giver of our sustenance?
After tithe what else huh? Furthermore, that is not less important is to set aside at least 10% of your income for savings / investments. Wow, why you save it in front of you? Instead of saving it in the end if the alias if there are remaining? :) He .. he .. he .. that's one of our bad habits to wait if there is money left over at the end of the month, when in fact almost always there is nothing left right? Which means we will never be able to save. Well, now the trend and is a good habit of saving at the front, with a straight cut every time receive a salary / income. For more on what and how the discipline of saving this we have explained in my previous article titled "Tips for Saving Income bit".
Now the last step is new for sure we like with that please spend money wages / income left :) Please we spent to meet various purposes like shopping routine family fill the kitchen, meals, side dishes, insurance, school, recreation, purchasing clothes and another as much :) Tasty is not it? Yes of course you should do this because we already meet all the essential items that could cause damage to the financial condition of the family as happy playing for time to pay the mortgage debt, and do not forget to tithe was saved because it has run out of money first and hope for the rest. And by following steps 1-4 above of course we're all going to achieve success in managing family finances without the headache and stress.
Hopefully the secrets of success over the family finances can benefit us all, which of course if you want to achieve it must be by way of practiced / applied directly aided especially by using the tools that are popular today are MyFamily Accounting software will further facilitate its implementation. So that later we can go to the new next step is starting to learn to invest. Good luck!
Interlocking think a 1000 Times When Buying A Car With Credit Method
If I'm not mistaken quote from an article in a leading business magazine in the country, approximately 75% of the Indonesian people buy cars on credit. Either through banks or financial institutions (leasing) more. Of course this is a very lucrative market for the financing / bank on one side and the consumer / buyer to buy a car (especially a new car) by way of setting up their credit with only about 10% -30% down payment can already have a car . But we realize that behind the easy way to have a car loan, it turns out we had to pay a very expensive cost. I will lay out below the full calculations and explanations.
Understanding Consumer Incomplete
Consider, for this if we want to buy a car on credit, and the preparation of our main consideration is only on the ability to pay the mortgage each month. And we also have to take into consideration many other cost components that arise and we have to pay for car ownership in the term, and unfortunately this is the most we forget.
Right now I will discuss about how to simulate a sample of consumers who bought a car with credit below that we took from the site www.oto.co.id September 18, 2007:
Car: Toyota New Avanza 1500 cc
Cash Price: Rp. 131 300 000, -
Down Payment: Rp. 32,825,000, - (25% of the cash price)
Insurance: Rp. 10,635,300, - (All risk 8.10%)
Instalment: Rp. 3,787,500, -
Interest: 12.82%% per year
Duration: 36 months
Administration: Rp. 475.000, -
First Payment Total: Rp. 47,772,800, -
Let's look at the process of settlement to be paid by consumers over the past three years, as we show in the table-mobil.pdf simulation file:
Results summary:
Instalment Total: Rp. 136 350 000
Total Fuel Cost: Rp. 36 million
Total Tax Cost: Rp. 4.5 million
Total Maintenance Cost: Rp. 8.4 million
Total All Costs During the 3-year Credit: Rp. 227 360 300, -
Wow!, Look at the credit when we finished it less than the total costs we should spend for the car to be very large ...! Remember you know that that much money is money lost alias charred. Note, too, the costs of such a purchase gasoline taxes and vehicle maintenance for three years is less of a concern most of us when they want a car loan. Yet we must remember also that the car is a thing that will suffer price depreciation (depreciation) from year to year. If we assume a depreciation of the car is approximately 8% (eight percent) per year, then after the completion of the term of our new car prices will be:
Rp. 131,300,000 x 8% x 3 = Rp. 31,512,000. Means within three years the price of our cars shrink by that number. So the car is now only worth Rp. 99,788,000. Compare this with the total money you pay for 3 years with the condition of our present value of the car! It is very suffocating ...
What If Invested?
Now for example by burning money Rp. 227,360,300 is, if we grow the example to one investment instrument that has a yield return (profit / yield) of 10% per year (flat), and we let stand for 15 years. How much money will we have become? Consult the table in the file you downloaded earlier.
Wow, look at the money you save for 15 years has now reached almost 1 billion dollars ... Well now you choose to stay, would still insist on buying a new car on credit but the consequences "scorch" of money? Or with a smart, keep spending money but not that much to buy a car, it was developed in the form of investment as the above calculations.
Solutions and Conclusions
Indeed, there may be cynical about my calculations above, for example: "... why we are so stingy huh same money, instead it means we become a slave to money ...?" Or also as "... for 3 years that we can smoothly undergo the affairs such as business, etc., so that it can be a lot of money, so not a lot of money spent for three years ... "
To the first comment instead we stingy / a slave of money, but how can we be wise to treat the money. Moreover, in the future, the need for money is certainly going to grow a lot as children's education and retirement. For the second comment on one side of a point, but please be honest with our conscience, what should buy a new car on credit to support daily activities and your business?
In my opinion, if we want to buy a car with a smart and wise is to buy a second car (in excellent condition ok) and purchased in cash. The two main keys used car and cash, it's the principle. Since used cars are still in good condition no less discomfort when we buy new and with excellent facilities. Because we need to remember every car we buy instantly out of the dealer, then automatically the price / value went down. And why should be paid in cash, because of course we have to avoid the burden we must bear the costs (such as interest) we have to pay over the term of the loan.
Hope can help add insight into all of us.
Understanding Consumer Incomplete
Consider, for this if we want to buy a car on credit, and the preparation of our main consideration is only on the ability to pay the mortgage each month. And we also have to take into consideration many other cost components that arise and we have to pay for car ownership in the term, and unfortunately this is the most we forget.
Right now I will discuss about how to simulate a sample of consumers who bought a car with credit below that we took from the site www.oto.co.id September 18, 2007:
Car: Toyota New Avanza 1500 cc
Cash Price: Rp. 131 300 000, -
Down Payment: Rp. 32,825,000, - (25% of the cash price)
Insurance: Rp. 10,635,300, - (All risk 8.10%)
Instalment: Rp. 3,787,500, -
Interest: 12.82%% per year
Duration: 36 months
Administration: Rp. 475.000, -
First Payment Total: Rp. 47,772,800, -
Let's look at the process of settlement to be paid by consumers over the past three years, as we show in the table-mobil.pdf simulation file:
Results summary:
Instalment Total: Rp. 136 350 000
Total Fuel Cost: Rp. 36 million
Total Tax Cost: Rp. 4.5 million
Total Maintenance Cost: Rp. 8.4 million
Total All Costs During the 3-year Credit: Rp. 227 360 300, -
Wow!, Look at the credit when we finished it less than the total costs we should spend for the car to be very large ...! Remember you know that that much money is money lost alias charred. Note, too, the costs of such a purchase gasoline taxes and vehicle maintenance for three years is less of a concern most of us when they want a car loan. Yet we must remember also that the car is a thing that will suffer price depreciation (depreciation) from year to year. If we assume a depreciation of the car is approximately 8% (eight percent) per year, then after the completion of the term of our new car prices will be:
Rp. 131,300,000 x 8% x 3 = Rp. 31,512,000. Means within three years the price of our cars shrink by that number. So the car is now only worth Rp. 99,788,000. Compare this with the total money you pay for 3 years with the condition of our present value of the car! It is very suffocating ...
What If Invested?
Now for example by burning money Rp. 227,360,300 is, if we grow the example to one investment instrument that has a yield return (profit / yield) of 10% per year (flat), and we let stand for 15 years. How much money will we have become? Consult the table in the file you downloaded earlier.
Wow, look at the money you save for 15 years has now reached almost 1 billion dollars ... Well now you choose to stay, would still insist on buying a new car on credit but the consequences "scorch" of money? Or with a smart, keep spending money but not that much to buy a car, it was developed in the form of investment as the above calculations.
Solutions and Conclusions
Indeed, there may be cynical about my calculations above, for example: "... why we are so stingy huh same money, instead it means we become a slave to money ...?" Or also as "... for 3 years that we can smoothly undergo the affairs such as business, etc., so that it can be a lot of money, so not a lot of money spent for three years ... "
To the first comment instead we stingy / a slave of money, but how can we be wise to treat the money. Moreover, in the future, the need for money is certainly going to grow a lot as children's education and retirement. For the second comment on one side of a point, but please be honest with our conscience, what should buy a new car on credit to support daily activities and your business?
In my opinion, if we want to buy a car with a smart and wise is to buy a second car (in excellent condition ok) and purchased in cash. The two main keys used car and cash, it's the principle. Since used cars are still in good condition no less discomfort when we buy new and with excellent facilities. Because we need to remember every car we buy instantly out of the dealer, then automatically the price / value went down. And why should be paid in cash, because of course we have to avoid the burden we must bear the costs (such as interest) we have to pay over the term of the loan.
Hope can help add insight into all of us.
Choosing Car Insurance
Inevitably, a prolonged economic crisis that happened, felt difficult by almost all sectors of business activity. This condition is becoming increasingly difficult, if the company has to bear the risks that might occur on assets supporting activities. Since it is now a good time to transfer risk to the insurance company as a guarantor risk. But choosing car insurance is sometimes tricky.
You're looking for and confused in choosing a car insurance? Maybe the tips below can be considered:
1. Quality:
Make sure in advance that will be selected insurance including insurance category who have received the title of Best General Insurance, Indonesian Best Brand Award, Indonesian Customer Satisfaction Award. Because with this certification are clearly indicates that insurance is reliable, trustworthy, and proven claim responsibility in serving customers.
2. Cost Own Risk (Own Risk):
Sometimes back and forth to the garage insurance is also something that makes lazy customers, let alone implement some insurance claim with the payment system OR (Own Risk) or the risk itself which average 100,000. - There are on a per incident, per collision, and so of course it makes you burdened with having to pay a lot of claims to pay OR if frequent back and forth to the shop insurance that is not necessarily the work shop customer satisfaction because done by a mock workshop or non-authorized. Sometimes the results paint stripes create an image of your car as if it had tremendous impact this would make selling your car sank. 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 back and forth to the garage insurance should choose insurance can receive 1 (one) time only claim but a collection of several collisions / collisions in different events, so it might be a year just 1 time to shop insurance and just pay once OR your car's body back smoothly because done by a trusted repair shop or authorized repair shop (authorized). Economical and efficient.
3. Claims Process:
When the insurance claim process should be examined first, there are some car insurance while receiving the customer's claim should be straightforward once should it wait for inspectors ready lah, sometimes have to argue first time surveyed. Yet sometimes it takes several days just to wait for SPK (Work Order) issued by the insurance company so that the garage can fix our cars. Things like this sometimes customers feel ignored and wasted a lot of time just to wait for a piece of paper / letter. Leave a process like this the old-fashioned, you should select an insurance claim when an uncomplicated, quick less than 30 minutes SPK is in your hands so you just decide when to shop insurance.
4. Work:
Many insurance that applies some cheap rate, but what if the repair work is not qualified associates alias mock and not satisfying the customer. Sometimes paint your car look even more ugly to make your car's body image as if it had tremendous impact this would make selling your car sank. Although the customer can complain to the insurance, but how long the loss of your time wasted. Observe it and choose insurance with a trusted partner workshops and official (authorized). Remember your car is a valuable asset, do not underestimate using dubious insurance services simply because of the difference a few dollars only premium price
5. Spare Parts (Spare Parts):
Spare parts are the most important in your car, make sure the insurance guarantees that use original spare parts and warranty. Be careful with this insurance does not guarantee that fatal consequences.
6. Responsibilities of the Third Party
This feature should be examined carefully, because the time of the accident hit a motorcycle collision example sometimes a 3rd party even much more severe damage than us. Here the role of this feature is required, you should select liability insurance with a major third-party so you are not burdened with extra costs. Likewise with accident protection features driver / passenger it is also very necessary. Choose the insurance that is included with this feature.
7. Free Service protection 24 hours:
It is a very-very important when choosing car insurance, many rely on car insurance and provide cheap rate only but very protective services
unsatisfactory, not 24-hour service, no telephone service hard to contact even sometimes no answer, sometimes the area is also very limited protection sometimes even just a specific area. Out of a certain area you can worry if there is a problem with your car broke down on the highway such as a flat tire, need towing, lock left behind in the car, run out of fuel, and so on. Leave a concern, choose insurance with a 24-hour alert and wide area protection in Indonesia. So if you are out of town touring as far away as Bali to Medan or do not worry if there is a problem with your car. This feature should be considered for those who love to travel far (touring).
8. SRCC (Strike, Riot and Civil Commotion - Riots, Strikes and Flood):
Features insurance is highly recommended to ensure the risk due to the disruption of public order committed by a group of people, as well as the actions the authorities in taking action against such interference, whether related to the strike and deterrence to work, and bear civil unrest politically motivated. Also the expansion of insurance cover loss caused by water overflowing out of the normal boundaries of rivers, lakes, swamps, breakdown floodgates, dams collapse, continuous rain that can not be accommodated by the drains. Flood damage includes damage to the interior, exterior, dashboard panels, mechanical, electrical and other damage to the vehicle insured. Choose the insurance is already included this feature.
9. Flexible In Payment:
Choose your car insurance premium payment is flexible, can be done with cash, wire transfer, or credit card (Visa / Mastercard). This may help the management of your finances.
You're looking for and confused in choosing a car insurance? Maybe the tips below can be considered:
1. Quality:
Make sure in advance that will be selected insurance including insurance category who have received the title of Best General Insurance, Indonesian Best Brand Award, Indonesian Customer Satisfaction Award. Because with this certification are clearly indicates that insurance is reliable, trustworthy, and proven claim responsibility in serving customers.
2. Cost Own Risk (Own Risk):
Sometimes back and forth to the garage insurance is also something that makes lazy customers, let alone implement some insurance claim with the payment system OR (Own Risk) or the risk itself which average 100,000. - There are on a per incident, per collision, and so of course it makes you burdened with having to pay a lot of claims to pay OR if frequent back and forth to the shop insurance that is not necessarily the work shop customer satisfaction because done by a mock workshop or non-authorized. Sometimes the results paint stripes create an image of your car as if it had tremendous impact this would make selling your car sank. 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 back and forth to the garage insurance should choose insurance can receive 1 (one) time only claim but a collection of several collisions / collisions in different events, so it might be a year just 1 time to shop insurance and just pay once OR your car's body back smoothly because done by a trusted repair shop or authorized repair shop (authorized). Economical and efficient.
3. Claims Process:
When the insurance claim process should be examined first, there are some car insurance while receiving the customer's claim should be straightforward once should it wait for inspectors ready lah, sometimes have to argue first time surveyed. Yet sometimes it takes several days just to wait for SPK (Work Order) issued by the insurance company so that the garage can fix our cars. Things like this sometimes customers feel ignored and wasted a lot of time just to wait for a piece of paper / letter. Leave a process like this the old-fashioned, you should select an insurance claim when an uncomplicated, quick less than 30 minutes SPK is in your hands so you just decide when to shop insurance.
4. Work:
Many insurance that applies some cheap rate, but what if the repair work is not qualified associates alias mock and not satisfying the customer. Sometimes paint your car look even more ugly to make your car's body image as if it had tremendous impact this would make selling your car sank. Although the customer can complain to the insurance, but how long the loss of your time wasted. Observe it and choose insurance with a trusted partner workshops and official (authorized). Remember your car is a valuable asset, do not underestimate using dubious insurance services simply because of the difference a few dollars only premium price
5. Spare Parts (Spare Parts):
Spare parts are the most important in your car, make sure the insurance guarantees that use original spare parts and warranty. Be careful with this insurance does not guarantee that fatal consequences.
6. Responsibilities of the Third Party
This feature should be examined carefully, because the time of the accident hit a motorcycle collision example sometimes a 3rd party even much more severe damage than us. Here the role of this feature is required, you should select liability insurance with a major third-party so you are not burdened with extra costs. Likewise with accident protection features driver / passenger it is also very necessary. Choose the insurance that is included with this feature.
7. Free Service protection 24 hours:
It is a very-very important when choosing car insurance, many rely on car insurance and provide cheap rate only but very protective services
unsatisfactory, not 24-hour service, no telephone service hard to contact even sometimes no answer, sometimes the area is also very limited protection sometimes even just a specific area. Out of a certain area you can worry if there is a problem with your car broke down on the highway such as a flat tire, need towing, lock left behind in the car, run out of fuel, and so on. Leave a concern, choose insurance with a 24-hour alert and wide area protection in Indonesia. So if you are out of town touring as far away as Bali to Medan or do not worry if there is a problem with your car. This feature should be considered for those who love to travel far (touring).
8. SRCC (Strike, Riot and Civil Commotion - Riots, Strikes and Flood):
Features insurance is highly recommended to ensure the risk due to the disruption of public order committed by a group of people, as well as the actions the authorities in taking action against such interference, whether related to the strike and deterrence to work, and bear civil unrest politically motivated. Also the expansion of insurance cover loss caused by water overflowing out of the normal boundaries of rivers, lakes, swamps, breakdown floodgates, dams collapse, continuous rain that can not be accommodated by the drains. Flood damage includes damage to the interior, exterior, dashboard panels, mechanical, electrical and other damage to the vehicle insured. Choose the insurance is already included this feature.
9. Flexible In Payment:
Choose your car insurance premium payment is flexible, can be done with cash, wire transfer, or credit card (Visa / Mastercard). This may help the management of your finances.
Rabu, 05 September 2012
10 Most Bizarre Insurance in the World Ever
Insurance is a term used to refer to the act, system, or business where financial protection (or financial compensation) for life, property, health and so forth to get a replacement from the events can not be expected to occur such as death, loss , damage or illness, which involves the payment of premiums on a regular basis within a specified period in exchange for a policy that would ensure such protection. well here are 10 INSURANCE Bizarre In The World wants to know what wrote it refer to the following article.
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1. Merv Hughes mustache
Cricketer Merv Hughes insured his mustache for $ 370,000.
While playing in the Australian national cricket team from 1985-1994, Merv Hughes spent about $ 370,000 policy on his trademark walrus mustache, which combined with his 6'4 "physique and outstanding playing ability, made him one of the most recognized cricketers in the world.
2. Insurance Virginity
Three brothers insure virginity for £ 1 million
An Essex insurance company has canceled what may be the most bizarre insurance policy in Britain. In the policy, the three brothers in the highlands of Scotland, who apparently were members of a "Christian club", had insured their virginity for 1 million. His brother had to pay 100 every year since 2000. If they get paid, they stand to receive $ 1 million. The policy was apparently canceled partly because of complaints from the Catholic Church, which looks bad on concepts that are not valid.
3. Wine taster insured his nose for $ 8 million
After years spent worrying about losing the most valuable business asset, Ilja Gort does not have to worry anymore, his nose insured to the teeth. Dutch wine producer has had his nose and sense of smell insured for five million euros (4 million) by Lloyd's of London. The insurance policy stated that he might not participate in winter sports, boxing or fire breathing. She should not be working as a knife thrower's assistant, she must not be pregnant and he should not kill himself.
4. Insuring food critic tongue Worth $ 300,000
In 1993, famous food critic Egon Ronay worldwide 250,000 ($ 353,775) insurance policy on the tongue.
5. Foot Ronaldo for $ 144 million
Naturally, that if you still have something valuable you insure it? Well, in some soccer news Real Madrid announced that they had insured their new star player Cristiano Ronaldo feet, for approximately $ 144 million.
6. Harvey Lowe won the World Yo-Yo insured his hands for $ 150,000
Representing the Cheerio Yo-Yo Company of Canada, 13 years old Harvey Lowe won the 1932World Yo-Yo championships in London and toured Europe from 1932 to 1935. She even taught Edward VIII, Prince of Wales, how to yo-yo. Lowe was so valuable to Cheerio that the company insured his hands for $ 150,000!
7. Coffee taster has a tongue insurance for $ 14 million
Costa Coffee's Coffee taster, Gennaro Pelliccia has a tongue insured for $ 14 million dollars. Pelliccia has enjoyed dozens ribukopi force, and through the tongue to see the difference. "The taste buds of a Master of Coffee are as important as the vocal cords of a singer or the legs of a top model, and this is one of the biggest single insurance policies taken out for one person," said a spokesman for Lloyd's broker Glencairn Limited, which regulates insurance.
8. Actress America Ferrera's teeth insured $ 10,000,000
UglyBetty leading lady America Ferrera has had her smile insured for $ 10 million by Lloyd's of London insurance market. But insurance is not taken out for pure vanity. The policy was taken out by Aquafresh White Trays, a teeth whitening manufacturer who worked with the actress on a charity campaign that gives jobless women free dental care.
9. Actress Bette Davis insured waist for $ 28,000
In the 1940's, actress Bette Davis buy a $ 28,000 policy on his waist alone.
10. Middle Finger Keith Richards for $ 1,600,000
Fearing that the enemy will break the fingers of the left hand he often used to flip them, 63-year-guitarist for the Rolling Stones and poster boy for longevity through hard living had it insured. Star article said he "recouped after an injury." Actor allegedly suffering from arthritis in his index finger.
online car insurance quotes
1. Merv Hughes mustache
Cricketer Merv Hughes insured his mustache for $ 370,000.
While playing in the Australian national cricket team from 1985-1994, Merv Hughes spent about $ 370,000 policy on his trademark walrus mustache, which combined with his 6'4 "physique and outstanding playing ability, made him one of the most recognized cricketers in the world.
2. Insurance Virginity
Three brothers insure virginity for £ 1 million
An Essex insurance company has canceled what may be the most bizarre insurance policy in Britain. In the policy, the three brothers in the highlands of Scotland, who apparently were members of a "Christian club", had insured their virginity for 1 million. His brother had to pay 100 every year since 2000. If they get paid, they stand to receive $ 1 million. The policy was apparently canceled partly because of complaints from the Catholic Church, which looks bad on concepts that are not valid.
3. Wine taster insured his nose for $ 8 million
After years spent worrying about losing the most valuable business asset, Ilja Gort does not have to worry anymore, his nose insured to the teeth. Dutch wine producer has had his nose and sense of smell insured for five million euros (4 million) by Lloyd's of London. The insurance policy stated that he might not participate in winter sports, boxing or fire breathing. She should not be working as a knife thrower's assistant, she must not be pregnant and he should not kill himself.
4. Insuring food critic tongue Worth $ 300,000
In 1993, famous food critic Egon Ronay worldwide 250,000 ($ 353,775) insurance policy on the tongue.
5. Foot Ronaldo for $ 144 million
Naturally, that if you still have something valuable you insure it? Well, in some soccer news Real Madrid announced that they had insured their new star player Cristiano Ronaldo feet, for approximately $ 144 million.
6. Harvey Lowe won the World Yo-Yo insured his hands for $ 150,000
Representing the Cheerio Yo-Yo Company of Canada, 13 years old Harvey Lowe won the 1932World Yo-Yo championships in London and toured Europe from 1932 to 1935. She even taught Edward VIII, Prince of Wales, how to yo-yo. Lowe was so valuable to Cheerio that the company insured his hands for $ 150,000!
7. Coffee taster has a tongue insurance for $ 14 million
Costa Coffee's Coffee taster, Gennaro Pelliccia has a tongue insured for $ 14 million dollars. Pelliccia has enjoyed dozens ribukopi force, and through the tongue to see the difference. "The taste buds of a Master of Coffee are as important as the vocal cords of a singer or the legs of a top model, and this is one of the biggest single insurance policies taken out for one person," said a spokesman for Lloyd's broker Glencairn Limited, which regulates insurance.
8. Actress America Ferrera's teeth insured $ 10,000,000
UglyBetty leading lady America Ferrera has had her smile insured for $ 10 million by Lloyd's of London insurance market. But insurance is not taken out for pure vanity. The policy was taken out by Aquafresh White Trays, a teeth whitening manufacturer who worked with the actress on a charity campaign that gives jobless women free dental care.
9. Actress Bette Davis insured waist for $ 28,000
In the 1940's, actress Bette Davis buy a $ 28,000 policy on his waist alone.
10. Middle Finger Keith Richards for $ 1,600,000
Fearing that the enemy will break the fingers of the left hand he often used to flip them, 63-year-guitarist for the Rolling Stones and poster boy for longevity through hard living had it insured. Star article said he "recouped after an injury." Actor allegedly suffering from arthritis in his index finger.
10 Cars with Most Expensive Insurance Costs
Have a super luxury cars and rare, it is definitely making the owner very careful when using it. Not infrequently than they were even willing to spend millions of dollars to insure their vehicles.
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Daily newspapers in the UK, the Telegraph, Friday, January 20, 2012, launched 10 cars to the value of the largest insurance costs in the world today. Exorbitant insurance costs per month seems not a serious problem for the owners of the car.
car insurance estimate
Here's the full list:
1. Volkswagen Phaeton W12 LWB 450 Motion
This German-made car has insurance costs for 956 pounds sterling or about Rp13 million in insurance One Quote Direct.
2. Mercedes-Benz ML 63 AMG.
This car has insurance cost of 981 pounds sterling or about Rp13, 5 million in insurance company Admiral.
3. Jaguar XK-R Coupe.
Two-door car used in the James Bond film, Die Another Day has insurance costs 998 pounds sterling or about Rp13, 8 million insurance company Tesco
4. Range Rover Sport.
Car type SUV (Sport Utility Vehicle) has insurance cost 1147 pounds sterling or about Rp15, 8 million in insurance company Admiral.
5.Lotus Evora S.
Having insurance costs for 1239 pounds sterling or about Rp17 million in insurance Right Choice.
6. Nissan GT-R.
Japanese-made sports car has insurance cost 1644 pounds sterling or about Rp22 million in insurance company Admiral.
7. Audi R8 V10 Coupe.
This elegantly designed vehicle has insurance cost 1779 pounds sterling or about Rp24 million in insurance company Admiral.
8. Porsche 911 GT3.
Germany's car manufacturers have made a much higher cost, which is 1896 pounds sterling or about Rp26 million in insurance company Admiral.
9. Ford GT.
Have insurance costs 2594 pounds sterling or about Rp35 million in insurance company Admiral.
10. Lamborghini Murcielago.
Supercar 'Bull Fighting' has insurance cost 3900 or about Rp53 million in insurance company Insure your Motor.
online car insurance quote
Daily newspapers in the UK, the Telegraph, Friday, January 20, 2012, launched 10 cars to the value of the largest insurance costs in the world today. Exorbitant insurance costs per month seems not a serious problem for the owners of the car.
car insurance estimate
Here's the full list:
1. Volkswagen Phaeton W12 LWB 450 Motion
This German-made car has insurance costs for 956 pounds sterling or about Rp13 million in insurance One Quote Direct.
2. Mercedes-Benz ML 63 AMG.
This car has insurance cost of 981 pounds sterling or about Rp13, 5 million in insurance company Admiral.
3. Jaguar XK-R Coupe.
Two-door car used in the James Bond film, Die Another Day has insurance costs 998 pounds sterling or about Rp13, 8 million insurance company Tesco
4. Range Rover Sport.
Car type SUV (Sport Utility Vehicle) has insurance cost 1147 pounds sterling or about Rp15, 8 million in insurance company Admiral.
5.Lotus Evora S.
Having insurance costs for 1239 pounds sterling or about Rp17 million in insurance Right Choice.
6. Nissan GT-R.
Japanese-made sports car has insurance cost 1644 pounds sterling or about Rp22 million in insurance company Admiral.
7. Audi R8 V10 Coupe.
This elegantly designed vehicle has insurance cost 1779 pounds sterling or about Rp24 million in insurance company Admiral.
8. Porsche 911 GT3.
Germany's car manufacturers have made a much higher cost, which is 1896 pounds sterling or about Rp26 million in insurance company Admiral.
9. Ford GT.
Have insurance costs 2594 pounds sterling or about Rp35 million in insurance company Admiral.
10. Lamborghini Murcielago.
Supercar 'Bull Fighting' has insurance cost 3900 or about Rp53 million in insurance company Insure your Motor.
CHOOSE INSURANCE LOSSES THE RIGHT
You want to buy the insurance policy? Do not rush. There are several things to consider when determining what insurance products would you use, either for yourself or for your employer. These tips can help you.
1.Separate items / objects according to the calculation of economic
Choose items that really needs to be insured so you have nothing to lose. For example, if you intend to take fire insurance for your home and household furniture, then you do not need to enter the computer and all its accessories into the calculation. Why? Because the recovery value for the computer company is very low when compared to the current value of the computer or at the time of purchase will be insured.
Another example, you would 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 the insurance premiums will be greater. Another case if the company can set up his / her own self-insurance vehicle assets.
2.Identify items / objects clearly
We recommend that you 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 protection provided) is low or 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
Provide information about the object clearly will you insured to the insurer / insurance broker. Instead, ask for more information as the insurance products they offer. You can ask about the type of insurance, extensive warranties, rate premiums, deductibles (the amount of fees that you will pay before the insurance began paying compensation), discount or claim procedures.
5.Ask your insurance coverage (insurance coverage) is best
You should seek the broadest insurance bail before the insurance company issuing the insurance policy.
For example, for fire insurance Fire Insurance you can ask RSMD + + 4.1.A or 4.1.B earthquake (earthquake) + flood (flood). Property insurance for buildings, you can ask property cover 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, it is advisable to choose 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 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 according to the volume / transaction really have done.
9.Read, thorough and asked
Carefully read and examine the content of the policy statement and its articles. Ask about the procedures that will claim you did before approving the issuance of insurance policies.
If there are errors in writing, whether the object of insurance or 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 an original and a duplicate policy, complete with receipts as a sign of ownership and payment of insurance premiums
1.Separate items / objects according to the calculation of economic
Choose items that really needs to be insured so you have nothing to lose. For example, if you intend to take fire insurance for your home and household furniture, then you do not need to enter the computer and all its accessories into the calculation. Why? Because the recovery value for the computer company is very low when compared to the current value of the computer or at the time of purchase will be insured.
Another example, you would 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 the insurance premiums will be greater. Another case if the company can set up his / her own self-insurance vehicle assets.
2.Identify items / objects clearly
We recommend that you 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 protection provided) is low or 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
Provide information about the object clearly will you insured to the insurer / insurance broker. Instead, ask for more information as the insurance products they offer. You can ask about the type of insurance, extensive warranties, rate premiums, deductibles (the amount of fees that you will pay before the insurance began paying compensation), discount or claim procedures.
5.Ask your insurance coverage (insurance coverage) is best
You should seek the broadest insurance bail before the insurance company issuing the insurance policy.
For example, for fire insurance Fire Insurance you can ask RSMD + + 4.1.A or 4.1.B earthquake (earthquake) + flood (flood). Property insurance for buildings, you can ask property cover 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, it is advisable to choose 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 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 according to the volume / transaction really have done.
9.Read, thorough and asked
Carefully read and examine the content of the policy statement and its articles. Ask about the procedures that will claim you did before approving the issuance of insurance policies.
If there are errors in writing, whether the object of insurance or 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 an original and a duplicate policy, complete with receipts as a sign of ownership and payment of insurance premiums
Benefits Car Insurance
Car insurance is insurance that is made specifically for 4 wheeled vehicles, cars. Of course, like health insurance or home insurance, it also has a price that must be paid by the owner. Fees paid according to the type of premiums are taken.new car insurance
Well out of money again then? Yes indeed but car insurance has several advantages such as:
free car insurance quotes
Cost of damage to the car in exchange for the insurance company because you are paying them.
The car is stolen or lost you get compensation.
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There is money changing when the car inadvertently damaged due to a riot.
There is no guarantee floods, earthquakes and tsunamis.
Some auto insurance provide personal accident insurance for drivers and passengers
Choosing protection for your vehicle car
The car has a lot of meaning for someone. There are looked As with the symbol of social status. Understandably, the car is not the cheap stuff. However, more than just a status symbol, many people also use car a means of supporting business and day-to-day work. low cost car insurancecheap car insurance. Seeing the benefits of four-wheel drive is important, reasonable if you are an owner trying to keep your car from the risk of damage or loss. Moreover, the majority of people buy their cars on credit.
The owner of the vehicle does not have to bother. car insurance rates. The financial industry has been providing motor insurance products to address the needs of the owners of the car. Products that fit into this category of insurance products are ready to take over all the risks that threaten your favorite car, ranging from risk than body scratched up car drifting flood risk.
Of course, in order to reap these benefits, you have to pay some money up front as insurance premiums.
car insurance comparison
Along with the increase in the car population from year to year, the number of insurance companies that offer car insurance products are also growing. In addition to targeting prospective individual customers who have vehicles directly, they also use a line finance companies (multi) and banks for selling their insurance products.
cheap car insurance quotes
Not only the insurance company increases, variations in vehicle insurance products and services are increasingly diverse. They are also competing to provide convenience to potential customers, ranging from ease of registration to speed the claims process. In fact, few companies dared plus services, such as free towing and car replacement car when the repair process.
However, the choice of products so much that, often, it makes consumers confused. Because did not bother to bin dizziness, ultimately, consumers origin plucks insurance products for their vehicle. Not a few consumers who just resigned as presented by the dealership where the insurance product they buy a car.
Laurentius Iwan Pranoto, Marketing Communications & Public Relations Head PT Asuransi Astra Buana, recognize, many people are buying a car, either in cash or credit, do not know how to insure your vehicle. Instead of selecting the product, sometimes, consumers also do not understand the function of the vehicle insurance.
But, most often, consumers trouble choosing an insurance product. According to Iwan, the majority of motorists do not know the kinds of insurance products, what is guaranteed, how the claims process, and so on. "Worse yet, the name of the insurance company does not know," he said.
In fact, before choosing a vehicle insurance products, it is important to gather information about the identity of the company that issued the product, the risks covered by the insurance products, as well as the rights and obligations of customers and insurance companies.
Alas, if you use a financing company when purchasing a vehicle, often, customers do not have many choices of insurance products. Normally, finance companies already have a list of insurance company partners. If there is no special request from the customer, usually multi-directing to a particular insurance company. Not infrequently, after the policy came out, new customers knowing.
Right product
However, under normal circumstances, according to the head of the Division of Motor Vehicle Insurance Insurance PT Jasa Indonesia (Jasindo) Sahata Lumban Tobing, there are some things that need to be considered by the owners of the vehicles that will insure his car.
First, make sure first if the car is paid in cash or credit. Usually, if the car is purchased in cash, either from the dealer, showroom, or both parties, the buyer is not affected by a particular obligation to take out insurance. That is, the buyer will be free to decide their life insurance.
But, if the car is purchased on credit, finance companies typically require clients to insure his car. Component cost of insurance premiums can go into the total cost of initial alias down payment (DP) or in monthly installments component customers.
Second, make sure from the outset whether the car will be used on its own or rent. Because insurance companies have different levels of risk calculations for the two that designation. If as you state auto insurance filings used alone, but when the claim is proven that the car was rented, insurance companies are very likely not going to grant your claim.
Third, know the details of the insurance company's profile you choose. Thorough and find information about the reputation and ministry. Make sure that your vehicle is properly registered. "In addition, whether it is through an agent or broker. Customer must know the provisions contained in the policy and the insurance company should explain the rights and obligations of customers, "added Sahata.
Iwan added that there is no harm, the owner of the vehicle to check the parties cooperate with the insurance company. For example, anyone and anywhere workshop partner, is there a warranty replacement parts, and is there a 24-hour telephone service. "Note also the financial statements, not to minus. If the company's financial condition is not good, if there is a claim not pay wear? "He said.
Fourth, according to Hero Wirasmara, Head of Marketing and Sales PT Asuransi Wahana Tata, is to determine insurance needs. Because, usually, the insurance company has a variety of different types of insurance products by type of coverage.
Basically, judging from the type of coverage, car insurance is divided into two.
First, a comprehensive insurance (comprehensive) or all risk. Through this product, insurance companies bear all the cost of repairing the damage portion (partial loss) to lose due to an accident or collision.
Second, protection of total loss only (TLO). In this scheme, the insurance companies only reimburse the cost of repairs if the damage to the vehicle over 75% of the value of the vehicle or the vehicle is lost due to theft.
Appropriate protection coverage, comprehensive insurance premium greater than premium TLO. Comprehensive premium rates prevalent current about 3% of the price of the vehicle, while TLO premium of approximately 1% of the price of the vehicle. "If the vehicle is used daily, preferably partial loss is also guaranteed. But, if it does not happen often partial loss and still be improved (self-insurance), then take a total loss, "said Hero.
Still about coverage, consider also whether it needs additional coverage, ie the risk of incident caused a riot, natural disaster, or accident for the driver and passengers. Usually, some insurance companies give guarantees in the form of packages, but there are also enacted separately by having to pay an extra premium. If your requirement is to protect the partial loss and total loss, you should choose the product package to be more efficient than buying separately.
If the vehicle is equipped with an additional non-standard equipment from the factory, such as television, audio, and racing rims, you should report when registering insurance. "If not reported, there will be no protection from the insurance company, because the insurance only look to factory defaults," said Hero again.
Iwan adding, vehicle insurance is very useful, especially as a precaution rather than reaching into their own money when there is a risk. In other words, insurance keeps us from spending money that is not unexpected due to the risk that occurs in our vehicles. "Besides, the cost of premiums is only what percentage of the price of the vehicle," he said.
Well, congratulations to choose insurance.
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The owner of the vehicle does not have to bother. car insurance rates. The financial industry has been providing motor insurance products to address the needs of the owners of the car. Products that fit into this category of insurance products are ready to take over all the risks that threaten your favorite car, ranging from risk than body scratched up car drifting flood risk.
Of course, in order to reap these benefits, you have to pay some money up front as insurance premiums.
car insurance comparison
Along with the increase in the car population from year to year, the number of insurance companies that offer car insurance products are also growing. In addition to targeting prospective individual customers who have vehicles directly, they also use a line finance companies (multi) and banks for selling their insurance products.
cheap car insurance quotes
Not only the insurance company increases, variations in vehicle insurance products and services are increasingly diverse. They are also competing to provide convenience to potential customers, ranging from ease of registration to speed the claims process. In fact, few companies dared plus services, such as free towing and car replacement car when the repair process.
However, the choice of products so much that, often, it makes consumers confused. Because did not bother to bin dizziness, ultimately, consumers origin plucks insurance products for their vehicle. Not a few consumers who just resigned as presented by the dealership where the insurance product they buy a car.
Laurentius Iwan Pranoto, Marketing Communications & Public Relations Head PT Asuransi Astra Buana, recognize, many people are buying a car, either in cash or credit, do not know how to insure your vehicle. Instead of selecting the product, sometimes, consumers also do not understand the function of the vehicle insurance.
But, most often, consumers trouble choosing an insurance product. According to Iwan, the majority of motorists do not know the kinds of insurance products, what is guaranteed, how the claims process, and so on. "Worse yet, the name of the insurance company does not know," he said.
In fact, before choosing a vehicle insurance products, it is important to gather information about the identity of the company that issued the product, the risks covered by the insurance products, as well as the rights and obligations of customers and insurance companies.
Alas, if you use a financing company when purchasing a vehicle, often, customers do not have many choices of insurance products. Normally, finance companies already have a list of insurance company partners. If there is no special request from the customer, usually multi-directing to a particular insurance company. Not infrequently, after the policy came out, new customers knowing.
Right product
However, under normal circumstances, according to the head of the Division of Motor Vehicle Insurance Insurance PT Jasa Indonesia (Jasindo) Sahata Lumban Tobing, there are some things that need to be considered by the owners of the vehicles that will insure his car.
First, make sure first if the car is paid in cash or credit. Usually, if the car is purchased in cash, either from the dealer, showroom, or both parties, the buyer is not affected by a particular obligation to take out insurance. That is, the buyer will be free to decide their life insurance.
But, if the car is purchased on credit, finance companies typically require clients to insure his car. Component cost of insurance premiums can go into the total cost of initial alias down payment (DP) or in monthly installments component customers.
Second, make sure from the outset whether the car will be used on its own or rent. Because insurance companies have different levels of risk calculations for the two that designation. If as you state auto insurance filings used alone, but when the claim is proven that the car was rented, insurance companies are very likely not going to grant your claim.
Third, know the details of the insurance company's profile you choose. Thorough and find information about the reputation and ministry. Make sure that your vehicle is properly registered. "In addition, whether it is through an agent or broker. Customer must know the provisions contained in the policy and the insurance company should explain the rights and obligations of customers, "added Sahata.
Iwan added that there is no harm, the owner of the vehicle to check the parties cooperate with the insurance company. For example, anyone and anywhere workshop partner, is there a warranty replacement parts, and is there a 24-hour telephone service. "Note also the financial statements, not to minus. If the company's financial condition is not good, if there is a claim not pay wear? "He said.
Fourth, according to Hero Wirasmara, Head of Marketing and Sales PT Asuransi Wahana Tata, is to determine insurance needs. Because, usually, the insurance company has a variety of different types of insurance products by type of coverage.
Basically, judging from the type of coverage, car insurance is divided into two.
First, a comprehensive insurance (comprehensive) or all risk. Through this product, insurance companies bear all the cost of repairing the damage portion (partial loss) to lose due to an accident or collision.
Second, protection of total loss only (TLO). In this scheme, the insurance companies only reimburse the cost of repairs if the damage to the vehicle over 75% of the value of the vehicle or the vehicle is lost due to theft.
Appropriate protection coverage, comprehensive insurance premium greater than premium TLO. Comprehensive premium rates prevalent current about 3% of the price of the vehicle, while TLO premium of approximately 1% of the price of the vehicle. "If the vehicle is used daily, preferably partial loss is also guaranteed. But, if it does not happen often partial loss and still be improved (self-insurance), then take a total loss, "said Hero.
Still about coverage, consider also whether it needs additional coverage, ie the risk of incident caused a riot, natural disaster, or accident for the driver and passengers. Usually, some insurance companies give guarantees in the form of packages, but there are also enacted separately by having to pay an extra premium. If your requirement is to protect the partial loss and total loss, you should choose the product package to be more efficient than buying separately.
If the vehicle is equipped with an additional non-standard equipment from the factory, such as television, audio, and racing rims, you should report when registering insurance. "If not reported, there will be no protection from the insurance company, because the insurance only look to factory defaults," said Hero again.
Iwan adding, vehicle insurance is very useful, especially as a precaution rather than reaching into their own money when there is a risk. In other words, insurance keeps us from spending money that is not unexpected due to the risk that occurs in our vehicles. "Besides, the cost of premiums is only what percentage of the price of the vehicle," he said.
Well, congratulations to choose insurance.
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Choosing Car Insurance
For what car insured and paying premiums that expensive? The important thing is to be careful driving a car. The risk of accidents is very small. car insurance companies. , what if you get hit from behind, bumper scratched while parked, our car theft, rearview gouged, or are we stuck violent floods and cars set on fire by protesters?
general car insurance
"We can not predict what will happen in the future. If the risks can be known in advance, of course we will take measures to anticipate, "This sentence is expressed by Bayu Herman, GM Astra Buana, famous for its insurance Garda Oto. .
car insurance prices
Buying a car insurance policy, said Bayu is one way to anticipate risk, namely by shifting to the insurance company. In buying an auto insurance policy information Bayu, should we buy an insurance policy that guarantee according to our needs.
"When the weather is often uncertain. low cost car insurance. It often happens heavy rains and standing water in some areas, then we can buy insurance products with an extended warranty combined with flood insurance, "he said, giving an example.
In cities - big cities, such as Makassar for example, often occurs that tends anarchist protests and violent past. If we happen to pass through the demonstration area, the possible risk of damage to the car we had a large enough.
"Anticipating this we need car insurance product warranty combined with extended warranties melee", this example raised by Basri J. Barrang, Relationship Manager, Insurance Sinar Mas, Makassar.
Sinar Mas, one of which had to pay claims its customers due to the riots in May 1997, the continued Basri, among others, serve the claim which include vehicle repair due to accidents, vehicles damaged or lost due to misconduct (theft), vehicles were damaged by fire and so on.
"Including the melee, trapped floods, earthquakes and even a tsunami," said Basri details about warranty claims with the category 'all risk' or any kind of risk or damage covered by insurance by the amount of the premium paid by the customer.
In Makassar, the end of July 2011, Basri J. Barrang also said that personal accident insurance for the driver and passenger up to Rp 50 million. While medical expenses due to accident insurance up to Rp 1 million.
Other Sinar Mas Astra Buana else anyway. Car insurance which is famous with its bib Guard provides two kinds of protection conditions on four-wheeled motor vehicles, namely: comprehensive and total loss only (TLO).
"Comprehensive ensure that the risk of loss / damage in part or in whole, the risks posed by the extent not excluded under the policy," said Laina Mardasih, Operation & Service Section Head Astra Buana Makassar.
While 'Total Loss Only (TLO)', said Laina is a guarantee against the risk of loss / damage overall, only if the estimated cost of repairs equals or exceeds 75% of the price of the vehicle immediately before the loss, and guarantee losses if the vehicle had been stolen.
Laina Mardasih also details about Garda Oto services you can enjoy, as a special added value, such as: easy and fast Claims - uncomplicated, working with trusted repair shop scattered in Makassar (Garda Q 'Repair), Warranty 6 months for duco (Warranty Work Stations) and providing original spare parts (Genuine Parts Warranty).
"There is also such thing as 'No Claim Bonus'. It means if the customer never add a claim, he is entitled to a reduced fee at the next policy renewal, "he said.
If you choose insurance services Garda Oto, according to Lina again, then you will get 24 hours service (Guard Access). This service allows you to contact the Garda Oto to obtain product information. health
"Including the closure application, insurance policy renewal services, claim reporting services, to emergency assistance on the road," he said.
general car insurance
"We can not predict what will happen in the future. If the risks can be known in advance, of course we will take measures to anticipate, "This sentence is expressed by Bayu Herman, GM Astra Buana, famous for its insurance Garda Oto. .
car insurance prices
Buying a car insurance policy, said Bayu is one way to anticipate risk, namely by shifting to the insurance company. In buying an auto insurance policy information Bayu, should we buy an insurance policy that guarantee according to our needs.
"When the weather is often uncertain. low cost car insurance. It often happens heavy rains and standing water in some areas, then we can buy insurance products with an extended warranty combined with flood insurance, "he said, giving an example.
In cities - big cities, such as Makassar for example, often occurs that tends anarchist protests and violent past. If we happen to pass through the demonstration area, the possible risk of damage to the car we had a large enough.
"Anticipating this we need car insurance product warranty combined with extended warranties melee", this example raised by Basri J. Barrang, Relationship Manager, Insurance Sinar Mas, Makassar.
Sinar Mas, one of which had to pay claims its customers due to the riots in May 1997, the continued Basri, among others, serve the claim which include vehicle repair due to accidents, vehicles damaged or lost due to misconduct (theft), vehicles were damaged by fire and so on.
"Including the melee, trapped floods, earthquakes and even a tsunami," said Basri details about warranty claims with the category 'all risk' or any kind of risk or damage covered by insurance by the amount of the premium paid by the customer.
In Makassar, the end of July 2011, Basri J. Barrang also said that personal accident insurance for the driver and passenger up to Rp 50 million. While medical expenses due to accident insurance up to Rp 1 million.
Other Sinar Mas Astra Buana else anyway. Car insurance which is famous with its bib Guard provides two kinds of protection conditions on four-wheeled motor vehicles, namely: comprehensive and total loss only (TLO).
"Comprehensive ensure that the risk of loss / damage in part or in whole, the risks posed by the extent not excluded under the policy," said Laina Mardasih, Operation & Service Section Head Astra Buana Makassar.
While 'Total Loss Only (TLO)', said Laina is a guarantee against the risk of loss / damage overall, only if the estimated cost of repairs equals or exceeds 75% of the price of the vehicle immediately before the loss, and guarantee losses if the vehicle had been stolen.
Laina Mardasih also details about Garda Oto services you can enjoy, as a special added value, such as: easy and fast Claims - uncomplicated, working with trusted repair shop scattered in Makassar (Garda Q 'Repair), Warranty 6 months for duco (Warranty Work Stations) and providing original spare parts (Genuine Parts Warranty).
"There is also such thing as 'No Claim Bonus'. It means if the customer never add a claim, he is entitled to a reduced fee at the next policy renewal, "he said.
If you choose insurance services Garda Oto, according to Lina again, then you will get 24 hours service (Guard Access). This service allows you to contact the Garda Oto to obtain product information. health
"Including the closure application, insurance policy renewal services, claim reporting services, to emergency assistance on the road," he said.
Selasa, 04 September 2012
Tips to buy car insurance
A great way to save money on car insurance is to pay a visit to the dealer and ask about policy and premium options, but make sure the new policy includes the basics such as property damage, uninsured motorist coverage, bodily injury coverage and collision coverage. car insurance companies. Meet with an insurance agent and save money on coverage by asking questions in a free video on financial planning from a licensed insurance agent.car insurance cost
You are thinking about buying car insurance, and you wonderin 'hey, if there are tips out there that can help me save money on my car insurance; absolute. My name is James, the Awakening groups. We are a full service insurance agency, and we specialize in auto insurance. The biggest tip is to make sure you go and visit you, either existing agents, or agents that exist in your city or your neighborhood. They are professionals, and they are the people who can actually help you save money on your car insurance. There are many different types of policies, limits, and deductibles that will determine the premium. So, when you sit down with a professional just explain to them your budget, how much money you pay each month, and then they could design a program budget around, because you have different things like property damage, uninsured motorist, personal injury, comp or collision. All premium built into the policy, and if you take em 'out of course it will be less premium, but that's not necessarily the best thing to do, because you want to make sure that you are properly insured in the event that you have an accident. If you have a vehicle which is great value, whether you want to make sure that you have comp and collision so that at least you will get through your deductible, and then the operator will pay it. So once again, the biggest tip is to go see an agent. Sit down with them, and make sure that you provide all the necessary information so that they can determine the best policy at the best premium. My name is James, the Awakening groups. We specialize in auto insurance, and we do this every day. And we have many clients who come to our office and sit down with us, and we design policy around the needs
Simulation calculations used car loans
car insurance cost. Used car loan calculation can also be made and the note is worth taking usedcar condition. Characteristics how? What if the service via financial institutions can? Soon we discuss here.
buy car insurance
Here we discuss the simulation calculations for a car loan with the former course and resume tips also special procedures for new car loans.
Data Preparation:
1. Vehicle price and condition of the vehicle worthy of her age
2. Interest Rate Leasing / Bank, Standard Leasing 1, 2, 3 years = 10%, 11% and 12%
3. Insurers use insurance TLO (Total Lost Only) value is 1.75%, 2.75% and 3.75%
4. Administrative Costs 1.2 and 3 years is usually the same Rp. 500 000
5. Tenor / Loan term (in years)
6. Total Advances
Example Problem:
Automobile prices DOHC Timor in 2000 to Rp. 50 million, the credit for 2 years, how much down payment and monthly installments.
DP and how to find answers installment:
1. Vehicle Price x DP used cars (usually 30%)
2. Continue to reduce the price of Goods Vehicles = Debt / PH
3. result is multiplied by the interest (interest x Years) / 100
4. The result is added to the PH
5. The result is divided by the total new loan period (in months) and it can be = installment per month
* Down Payment = 50 million x 30% = 15 million
* Installment / mo =
50 million to 10 million = 35 million (PH)
35,000,000 x (11x2 in) / 100 = 7.7 million
35 million + 7.7 million = 42.700.000/24 bln = Rp. 1.800.000/bln
* Insurance Combination = 2.75% x 50 million = 1.375 million
* Administrative Costs = 500,000
* Provision = Rp. -
For Payments At first:
1. DP = 15 million
2. Rp. 1.8 million
3. Insurance = 1.375 million, -
4. Administration = 500,000
5. -
Total = Rp. USD 18.675 million in installments. 1.8 million x 23 months because (1 installments already paid upfront)
Additional Tips
If it is still high installments for help to the price of the vehicle financing services to be raised during the process of submission of approximately 10%. For an example of a vehicle above the price of submission to Rp. 55 million. After that the first results of the total paid minus Rp. 5 million (according to the price difference with the price of real vehicle credit application).
Try companions count again the example above 20470000-5 jt = 15,470,000. If the results are the same then you deserve to be a practitioner of the automobile.
Car Loan Calculation Simulation
Before buying a car is useful to consider the financial Events that we have. Starting from the ability to advance / down payment, installment per month and length of the credit goes. car insurance cost
Here we discuss the simulation calculations to estimate the ability of credit we have a new vehicle. Immediately ..
buy car insurance
Data Preparation
1. Price of vehicles
2. Interest Rate Leasing / Bank, Standard Leasing 1, 2, 3 years = 8%, 9% and 10%
3. Insurance (1,2,3 rate = 7.5% to 8.5% and 9.5%, multiplied by Price Vehicles)
4. Administration costs (350,000, 450,000 and 550,000)
5. Tenor / Loan term (in years)
6. Total Advances
Example Problem:
Price of 100 million vehicles, the credit for 3 years, how much down payment and monthly installments.
DP and how to find answers installment:
1. Vehicle Price x DP (usually 20%)
2. Continue to reduce the price of Goods Vehicles = Debt / PH
3. result is multiplied by the interest (interest x Years) / 100
4. The result is added to the PH
5. The result is divided by the total new loan period (in months) and it can be = installment per month
* Down Payment = 100 million x 20% = 20 million
* Installment / month =
100 million to 20 million = 80 million (PH)
80,000,000 x (10x3 years) = 2,400,000,000 / 100 = 24,000,000
80,000,000 + 24,000,000 = 104.000.000/36 month = 2.889 million / month
* Insurance = 9.5% x 100 million = 9.5 million
* Administrative Costs = 550,000
* Provision = -
For Payments At first:
1. DP / Down Payment
2. Monthly Installment
3. Insurance
4. Administrative Costs
5, lain2 (Provision --- via bank financing usually use this)
Answer:
1. DP = 20 million
2. 2.889 million
3. Insurance = 9.500.000, -
4. Administration = 550,000
5. -
Total = 32,939,000 in installments 2.889 million x 35 months (first installment was paid in advance)
Installment it is still high ... means that a deposit be increased again to 25% or 30%. Basically Installment DP dang inversely. If one of the main values increased the value of the other one will go down / reduced, and vice versa. If for simulation used car loans can click here
Here we discuss the simulation calculations to estimate the ability of credit we have a new vehicle. Immediately ..
buy car insurance
Data Preparation
1. Price of vehicles
2. Interest Rate Leasing / Bank, Standard Leasing 1, 2, 3 years = 8%, 9% and 10%
3. Insurance (1,2,3 rate = 7.5% to 8.5% and 9.5%, multiplied by Price Vehicles)
4. Administration costs (350,000, 450,000 and 550,000)
5. Tenor / Loan term (in years)
6. Total Advances
Example Problem:
Price of 100 million vehicles, the credit for 3 years, how much down payment and monthly installments.
DP and how to find answers installment:
1. Vehicle Price x DP (usually 20%)
2. Continue to reduce the price of Goods Vehicles = Debt / PH
3. result is multiplied by the interest (interest x Years) / 100
4. The result is added to the PH
5. The result is divided by the total new loan period (in months) and it can be = installment per month
* Down Payment = 100 million x 20% = 20 million
* Installment / month =
100 million to 20 million = 80 million (PH)
80,000,000 x (10x3 years) = 2,400,000,000 / 100 = 24,000,000
80,000,000 + 24,000,000 = 104.000.000/36 month = 2.889 million / month
* Insurance = 9.5% x 100 million = 9.5 million
* Administrative Costs = 550,000
* Provision = -
For Payments At first:
1. DP / Down Payment
2. Monthly Installment
3. Insurance
4. Administrative Costs
5, lain2 (Provision --- via bank financing usually use this)
Answer:
1. DP = 20 million
2. 2.889 million
3. Insurance = 9.500.000, -
4. Administration = 550,000
5. -
Total = 32,939,000 in installments 2.889 million x 35 months (first installment was paid in advance)
Installment it is still high ... means that a deposit be increased again to 25% or 30%. Basically Installment DP dang inversely. If one of the main values increased the value of the other one will go down / reduced, and vice versa. If for simulation used car loans can click here
tips before buying Home Insurance
Before deciding to take out home insurance policy, should you as a customer understand the premium calculation premiums plus interest. The insurance premium is the amount of money that must be paid by the customer to obtain the protection of the insured object. Formulation premium calculation is basically the same for all insurance products, ie the sum insured multiplied by the premium rate in a year (in permill).
All insurance companies impose the same calculation, but for qualifying insured and premium rates, each company sets different policies.
What is meant by the price of coverage is the price of the building, including the contents of the building, or the price up. Price got up in this case is the total cost incurred by you in building the house.
In the process of a client application must include a RAB (Budget Plan Building) if the insurance company sets the price of coverage based on the price up. While the definition of building value is selling the house.
In the process of filing insurance you should be honest in providing information on actual prices, even though the insurance companies themselves have a survey team to determine the price of the building to be insured.
In determining the premium, each insurance company must be subject to the rules set by the Insurance Council of Indonesia. Normal premium rates was 0.58 permill. The value of that applies to normal conditions. For outside of normal circumstances, the premium rates are usually determined by considering two components. First, the type of insurance and occupational opportunities for risk. Second, the risk of default or extension risk.
Examples of occupational risk is the risk of fire. The house is located near the center of the industry, the value of the premium rate will be higher than the house in a residential area. In addition, if your home is on the cliff, the value of his tribe will also be different. The difference in value of the interest due to differences in the level of the risk.
In addition to the location, occupational risk also depends on the materials used in your home.
Now, after knowing what is guaranteed in home insurance, you can begin to consider whether or not to insure your home.
50% of American Students Tuition Debt Decaptitated
More than 50 percent of college students in America have the same problem, which is heavily in debt on their campus. forgive student loan debt. Debt is not a personal debt among college students, but tuition debts and living expenses during college.
The data is one of the facts recorded in the report of student debt survey agency Project on Student Debt. project student debt. The report said the average amount of debt a student twist is equal to USD24 thousand or worth Rp205 million.
college students and debt
The amount of debt does not differentiate students, both students from State Universities and Private Colleges.
Regarding the burden of student debt, the president of the Institute for College and Success says Lauren Asher, the growth of the amount of student debt has increased consistently over the past few years.
"Students should consider their personal debt, try to figure out what kind of debt payment and borrowing policies on campus," said Asher, who quoted from HuffPost College, Wednesday (09/07/2011).
Despite knowing how to deal with the loan money on campus, however, most students would not want to stay in debt.
Even students of University North Carolina is famous for its cheapest private university, still graduate with a bear USD90 thousand or Rp770 million debt for their lectures.
"The university graduates should repay their higher education at the same time facing 8.7 percent unemployment growth each year," the report said.
Student Debt: Several loans to help pay for itself
There may be some help for recent graduates' struggling to pay off student debt. Student loan interest payable has been reduced to 0% for some students and for others even go negative -0.4%. As a result some actually reduce the value of debt without any payment is made.
average college student debt
Students who take out student loans before September 1998 are subject to the rules that link the interest paid on student loans to the retail price index (RPI) rate. college students debt. The economy is currently going through a period of deflation, and the RPI during the last period assessed student loan is -0.4%, the negative interest rate.
Students who take out student loans after September 1998, and there are about 2.5 million of them, are not so lucky. their loans have been published in different rules and interest charged to them are only partially related to the RPI. It is also subject to discretionary action is determined by the secretary of state. On this occasion, the Secretary of State determined that the negative interest rate would put too much pressure on the public purse and so decided that the interest rate will remain at 0% for the next year.
Students must pay their loans at a rate of 9% of their gross income in excess of £ 15,000.
If student loans are all young graduates to worry about then this will be all good news, but only accounted for the proportion of student loan debt of students. On an average student leaves university with debts total around £ 18,000. Most of this is in the form of overdrafts and credit card debt.
Graduated from college and starting my first job was a difficult time for anyone, and do this with the additional burden of financial worries can be very alarming. Often old student will find that the banks, initially generous with their offers overdraft students at low interest rates, now calling in the overdraft or increase the payment of interest on them to punishingly high levels.
average college student debt
Students who take out student loans before September 1998 are subject to the rules that link the interest paid on student loans to the retail price index (RPI) rate. college students debt. The economy is currently going through a period of deflation, and the RPI during the last period assessed student loan is -0.4%, the negative interest rate.
Students who take out student loans after September 1998, and there are about 2.5 million of them, are not so lucky. their loans have been published in different rules and interest charged to them are only partially related to the RPI. It is also subject to discretionary action is determined by the secretary of state. On this occasion, the Secretary of State determined that the negative interest rate would put too much pressure on the public purse and so decided that the interest rate will remain at 0% for the next year.
Students must pay their loans at a rate of 9% of their gross income in excess of £ 15,000.
If student loans are all young graduates to worry about then this will be all good news, but only accounted for the proportion of student loan debt of students. On an average student leaves university with debts total around £ 18,000. Most of this is in the form of overdrafts and credit card debt.
Graduated from college and starting my first job was a difficult time for anyone, and do this with the additional burden of financial worries can be very alarming. Often old student will find that the banks, initially generous with their offers overdraft students at low interest rates, now calling in the overdraft or increase the payment of interest on them to punishingly high levels.
Free Credit Student Loans Forgiveness
Starting from the gloom about the debt students are often hidden in the personal finance books, there are several mechanisms to help you pay off your student loans without causing financial ruin. In particular, no government safety net for those who choose a career in which the benefits are not primarily monetary. Holders of student loans entering certain professions may be eligible to have a percentage of their federal loans forgiven.
College Cost Reduction and Access Act of 2007
If you work in the public sector and have a Federal Direct Loan, you may be able to benefit from the College Cost Reduction and Access Act of 2007.
Who can qualify?
They are eligible for debt relief under this act include "public service" workers include individuals with a career in public health, early childhood education, social work for public family services agencies, and other public defense. public works, legal interests, public and school library science, law enforcement and public safety, public services and workers for the elderly, disabled emergency management, and nonprofit or government. Teachers in post-secondary institutions and post-secondary teachers who work with high-needs subjects (such as math, foreign language and nursing) are also eligible.
Qualifying Student Loans?
Loans eligible for forgiveness under this law include federal subsidized and unsubsidized Direct Stafford Loans, Federal Direct PLUS Loans, and Federal Direct Consolidation Loans. Holders can consolidate their FFEL loans into the Federal Direct Loan program to take advantage of this.
Other provisions
If you qualify for a reduction in borrowings under the law, you can receive a full pardon on the remaining principal and interest on loans eligible students. To qualify, you must work at least 120 months or ten years in a public service position. During these ten years, you have to make 120 monthly payments on your loan. Loan payments made prior to October 1, 2007 does not count towards the 120 payments. In addition, the period of suspension of the loan or forbearance does not count towards the 120 payments.
Loan Forgiveness for Specific Career Program.
If you are unsure about your career devoted to public service a decade, but you still want to do the work of the public service, there is a short-term public service options also offer loans forgiveness programs, like the following:
Volunteer work
AmeriCorps volunteers can receive benefits as much as $ 7,400 and $ 4,725 for a student loan after 12 months of service. Volunteers are eligible to have 15 percent of the Perkins loan debt forgiven for each year served, up to a maximum of 70 percent. Is 1700 hours of service working with volunteers in the Serve to America (VISTA) and get $ 4,725 for the loan proceeds.
Teaching
Teachers can also benefit from the elimination of debt before a decade of service. National Defense Education Act gives Perkins loan forgiveness for teachers, teaching grades K-12 in schools with a high proportion of low-income students. After the first and second year of teaching, educators are eligible for 15 percent of the Perkins Loan cancellation, after the third and fourth years, 20 percent, and 30 percent after five years. There are some other debt relief options available to educators. Consultation with the American Federation of Teachers for more details.
Employment Law and Medicine
Budding lawyers and doctors who serve low-income or high-needs communities can also qualify for a certain sector of the loan program. Check the American Bar Association or the Department of Health and Human Services, respectively, for information. Veterinarians who promised to work for at least three years in an area where there is a shortage of vets could get benefits from the U.S. Department of Veterinary Medicine Loan Repayment Program Agriculture (VMLRP), who forgave $ 25,000 of the loan per year during the period of service. The annual application deadline is June 30.
Over the last few years, non-profit educational institutions have begun offering loan forgiveness options are similar to those of alumni, school of law at Harvard University and the University of Virginia are some famous examples. Investigate the options offered to you.
Income-Based Repayment Plan
Another option for loan forgiveness in the long term is the Income-Based Repayment Plan, known in the industry as IBR education funding. IBR is part of the College Cost Reduction and Access Act of 2007.
IBR reduce your monthly student loan payments to a more manageable number given the income and family size. Therefore, the lower your income or family larger, the lower your monthly loan payments will be. After a number of monthly payments, your loan balance can be forgiven.
Who can qualify?
If you have high student debt and low income, you can benefit from IBR. Requirements for this program is dependent on annual income so you have to re-apply for IBR each year.
Qualifying Student Loans?
Federal student loans such as Stafford, GRAD PLUS and consolidation loans (which do not include Parent PLUS loans) are eligible. Loan holders are eligible to apply for federal programs through student loan companies they serve. Usually extra documentation is required, such as the most recent income tax return federal. student debt statistics
Other provisions
total student loan debt. If approved, the loan holders pay reduced monthly loan payments adjusted annually for changes in income and family size. After a certain amount of the loan repayment, the remainder of your loan can be forgiven. If you work in the public sector, you can kick loan forgiveness after ten years of monthly payments. If you work in the private sector, you will need to have 25 years of monthly payments before the balance of your federal loans forgiven.
Loan Forgiveness Tax Liability
In general, if you benefit from student loan forgiveness and working in the public sector, you will not be taxed on the amount of the loan forgiven.
However, if you work in the private sector, the amount of the loan forgiven after 25-year period HEB considered taxable income. Student loan forgiveness resulting from death and disability, unpaid refunds, the school closed and false certification also taxable.
If you take the federal student loan, keep this program in mind when deciding your profession after graduation. They could end up saving a lot of money.
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