compare car insurance

compare car insurance

If cost-effective car insurance is something that you strive to go compare car insurance with the help of free online tools available. Most of these tools only requires you to answer a simple questionnaire. If you give an honest assessment of what you're looking for the site is sure to come up with a number of insurance quotes from which you can choose one that fits your budget. You can even take the help of recommendations from friends and family members with this. However, reliance on this alternative can deprive you of the many benefits that may be obtained by comparison of online or phone calls to insurance agents from the company of your choice. This does not mean that a company that offers the best deal possible to one of your friends or relatives can do the same for you. But you can gather all the available information and use it as a pointer for you online or other modes of comparison shopping for a policy that ideal.
What to look for when comparing auto insurance
When you are on the lookout for cheap car insurance does not choose a specific one just because it was the cheapest quote available. To begin to analyze what kind of protection you are looking for in the insurance policy. Opt for medical coverage or services such as repairs on the road may cost a little extra. But spend a little extra to stay safe is always a wise choice and can take responsibility for your loved ones. Record all your expectations from models of car insurance policies and compare budget to your needs. Choose the one that offers maximum protection within the limits set by your budget. A great option for getting reliable information with this case is direct contact with insurance broker in your area. You can expect the official information about car insurance available out there. If you feel that the broker does not sound too reliable because you can go online and start comparing insurance quotes from well-known insurance companies. This may take a little extra time you since exploration company website may seem time consuming. In some cases you will be asked to call the phone number given to negotiate with the insurance company's offer is available with your choice.
In fact the whole process is quite time consuming and may require serious effort on your part. But the question of regret will be removed from your mind when you reap the benefits of your extra effort when you encounter unexpected accidents or other accidents. 
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articles about car insurance

articles about car insurance

Choosing insurance for your car is necessary to consider the advantages vasilitas & what can you get from the insurance and the need to match you with your vehicle needs both short term and long term, here are some tips on how to specify this:

1. Quality
Quality has always been number one, car insurance is no exception. Well, you can choose the car insurance that already has a good rating like getting awards, including Best General Insurance, Indonesian Customer Satisfaction Award and the Indonesian Best Brand Award which could be a reference that car insurance is reliable, reliable and responsible.

2. Iko own expense res
Should select a car insurance claim received only one course for collision set in different time, rather than applying the system of car insurance claims per occurrence per accident or collision. Of course you have to pay for own risk or the risk itself is worth around Rp 100,000 a few times of having to go back and forth to the garage. Not to mention the possible outcome is unsatisfactory workmanship workshop karea an unauthorized repair shop. Well, the car insurance claims received one then you do not need very often to the workshop that ultimately does not make you lose because they have to pay a fee Own Risk or OR, you also do not waste time, let alone shop is authorized workshops.

3. Notice workshop partners insurers
As already mentioned in the beginning then choose the insurance company that has a workshop partners who do have good credit. This will make you not have to commute workshop because the process is wrong and will not waste your time.

4. Automobile insurance claims processing
It is best to choose an insurer with the claim process is not complicated aka easy. There are some auto insurers who set complex rules such as the need to wait for the surveyor and then had to argue with her again and receipt SPK or Work Order also takes a few days for the workshop can do repair work on your car. Of course this will make you waste a lot of time. Therefore, select car insurance that provides insurance claims and receive a Work Order in the matter of less than 30 minutes.

5. Spare-Part Original
Choose a car insurance does ensure that the spare parts used are original and have warranty so do not inflict harm on your part.

6. Features of third party liability
Sometimes accidents just cause third party damage is more severe than we are. Not to mention if the driver or passengers are also affected by its consequences. Therefore, you can choose and buy car insurance that provides liability to third parties bigger so you can not be burdened by extra costs, then the driver or the passenger also has protection.

7. 24-hour protection
Did you know that there are some car insurance which has provisions boundaries and hours? Therefore, watch for the provision of the car insurance. Should choose car insurance that guarantees protection outside the area and has a phone number that can easily be reached for 24 hours in order to minimize your anxiety to travel. After all, car insurance is useful to make you not worried about your car.

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compare car insurance

Insurance

compare car insurance

Choosing a good insurance company is not easy. Especially in the midst of intense competition among insurance companies today.
Many insurance companies claim they are the best. It can be seen that there is an insurance product offered to the public through advertisements, almost none the less. Similarly, the performance of which they do, always accentuate the fine. Somewhat rarely express insurance company management weaknesses that they experienced.
However, there are several factors that should be considered in the process of selecting an insurance company, especially for life insurance and losses.Things to keep in mind that in choosing a private insurance company, then that should be considered in general are three factors: First, the financial strength (security). Second, the service (service). And third, the cost.

The financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking at the flashy exterior. For example storey building, vehicle good directors. But when there claims from customers, the company can not afford to pay.
In assessing the financial strength of these there are several benchmarks that need to be considered.car insurance
Assets and liabilities. It can be seen from the consolidated balance sheet is published in the newspaper. See also, whether planted in the current investment or longterm. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts by reinsurers, how he fulfilled his obligation to pay claims, and so forth.
Indicators of net liabilities include equity (equity) divided by net premiums (net premiums) of at least 50%. Own capital divided by gross premiums (gross premiums) of at least 20%. Limit level of solvency, as seen from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by at least 100%.
Underwriting Policy. At the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting polcy was good.
Its underwriters. Insurance has personnel qualified or not. It is known from the profile of companies that includes the underwriters him.
Services (service) is a reflection of the extent of human resources at the company's qualified or not. Moreover, insurance companies are selling services, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim. In addition, the issue of service can actually be felt by the customer. Is this insurance company really provide the best services for its customers.
In this connection it should also be questioned, whether the insurance company's reinsurance mereasuransikan first class safety. It can be seen from the annual report. It is important to note, because if the company is not in - backed up by reinsurance, the company is likely to be speculative in receiving premiums.

The issue is how much the costs incurred by insurance companies in operation. If it is greater than the cost of income, then obviously the company is inefficient. If it is not efficient, it will end up losing money. And if you continually lose, certainly not healthy.
In this connection could also see the price premiums. Compare the price of insurance premiums with other insurance. Which is really good quality.
Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (risk capital base). If his RBC numbers, it means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, it could also be a large company that was doing massive expansion such as opening many branches, then his RBC numbers would be small.
Instead, there is a small insurance company but never to expand, the RBC number was probably much greater.
Thus, RBC numbers can not be used as the only measure, whether the insurance company is healthy or not.
In this case, also noteworthy is the company's performance in the last two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.
And last but not least is how the behavior of the company's management over the years. Is there a management company for this broken promise? Has this company experienced management defaults, and so forth.

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history of insurance in the world

history of insurance in the world

Life is full of unexpected risks or unexpected, that's why we need to understand about insurance. Some natural events that occurred in recent years and take a lot of casualties, both fatalities and property, such as reminding us of the need for insurance. For every member of society, including the business, the risk for experiencing disadvantage (misfortune) like this always (Kamaluddin: 2003). In order to overcome the losses, human develop mechanisms which we now know as insurance.
The main function of insurance is a mechanism to transfer risk (risk transfer mechanism), which transfer risk from one party (the insured) to another party (the insurer). Risk aversion is by no means eliminates the possibility of misfortune, but the insurer to provide financial security (financial security) and tranquility (peace of mind) to the insured. In return, the insured pays the premium in a very small number when compared to the potential losses that may be suffered (Morton: 1999).
Basically, an insurance policy is a contract that is a valid agreement between the insurer (in this case the insurance company) with the insured, where the insurer was willing to bear some losses that may arise in the future in return for payment (premium) of a particular insured.


According to Law No.. 2 of 1992, which referred to the insurance or coverage is an agreement between two or more parties, by which the parties committed themselves to the insured, by accepting the insurance premiums to provide reimbursement to the insured for loss, damage or loss of expected benefits, or legal liability to third parties that may be suffered by the insured, arising from an uncertain events, or to provide a payment based on the death or life of an insured person.
In order for a potential loss (which may happen) can be insured (insurable) then it must have the following characteristics: 1) the loss of uncertainty, 2) losses should be limited, 3) had significant losses, 4) loss ratio can be predictable and 5) loss is not catastrophic (disaster) for the insurer.
The question arises, death is a sure thing, why be insured? Even though it is something that contains certainty, but when exactly when someone's death is beyond the control of that person. So that when the moment of death that actually contain uncertainty is what causes it insurable.
There are two forms of agreement in determining the amount of the payment at maturity of insurance, namely: contract value (valued contract) and the indemnity contract (contract of indemnity). Value of the contract is an agreement in which the amount of payment has been determined in advance. For example, the value of the sum assured (UP) in life insurance. Indemnity contract is an agreement based on the number santunannya amount of actual financial loss. For example, the cost of hospital care.
In the case of insurance companies trying to suppress the possibility of a fatal loss / large, then it can transfer the risk to another insurance company. It is called reinsurance companies that accept named reinsurers.
In addition to the five characteristics above, before it can be insured, the insurance company should consider the insurable interest and anti-selection. Insurable interest relating to the relationship between the insured and the recipient of compensation / benefits - in terms of loss potential. Example, the insurance company will not sell fire insurance policy to parties other than the owner of the building is insured. Insurable interest in this example is the ownership of an eye something that is insured. Similarly, family relationships, financial linkages are unwarranted, is also a form of insurable interest. The definition of anti-selection (counter selection) refers to the existence of a greater tendency to take insurance because it has a level of risk above average. Example, people who have a record of poor health or risk dangerous jobs tend to want to buy insurance. To reduce anti-selection effect, the insurance company should be able to identify and classify potential risks or losses. The process of identification and classification of the level of risk is called underwriting or risk selection. But that does not mean anti-selection led to the filing of insurance was denied, because the risk of loss to the insured than average premiums can be sub-standard (special premium) due to sub-standard risk (specific risk) unless the possibility of loss is much higher, perhaps the insurance application was rejected.
History of Insurance
Insurance originated from the people of Babylon 4000-3000 BC, known as Hammurabi agreement. Later in 1668 AD at the Coffee House Lloyd's of London London stands as the forerunner of conventional insurance. Sources of insurance law is a positive law, natural law and existing examples as culture.
Insurance brings economic as well as social mission with the premiums paid to the insurance company to guarantee the transfer of risk, namely the transfer (transfer) the risk of the insured to the insurer. Insurance as a risk transfer mechanism whereby an individual or a business move some uncertainty in exchange for premium payments. The definition of risk here is uncertainty whether or not a loss occurs (the uncertainty of loss).
Insurance in Indonesia started in the Dutch colonial period, associated with the success of the country's companies in the plantation sector and trade in Indonesia. To meet the needs assurance of continuity of business, certainly needed the insurance. Development of insurance industry in Indonesia had a vacuum during the Japanese colonial period.
Insurance needs can be filled by the Life Insurance
1) Personal Needs, including: provision of final living expenses such as costs associated with death, the cost of debt or bill payments in the form of loans that must be repaid; family allowance, costs of education, and pensions. In addition, life insurance policy that has a cash value can be used as a savings or investment.
2) Business Requirements, such as: insurance on key persons (insurance for the important people in the company); insurance on business owners (insurance for business owners); employee benefit (employee benefits) for example, a collection of life and health insurance.
source: Morton, G. (1999). Principles of Life and Health Insurance. LOMA.

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Judul: Sejarah Asuransi
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