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.