Choosing a car insurance is not easy. Especially in the midst of fierce
competition today. Almost all insurance companies have car insurance products.
Stay prospective customers to choose which one decent take. Therefore below we
present some criteria so that no one choose:
1. Prospective customers do not dwell on the cheap premium rates. Because, in today's competition, many insurance companies slam prices, offers cheap premium rates. Though not necessarily a guarantee of service.
2. See the insurance package offered. For example extensive warranties to how much. Therefore, extensive collateral should be adjusted with the desire and ability to prospective customers.
3. See also the network of insurance companies concerned. For example how many have a branch office or how many partners have a garage, so that there is a claim did not wait long to repair the vehicle or vehicles reported missing.
4. Could be asked first ease, facility or what added value can be obtained when purchasing policy in the company. For example, if there is a tow truck, car replacement or hotline services, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the ease in question.
5. Consider also the insurance company's bonafides. Do not get so there is a claim, the workshop did not have a partner. Therefore, many insurance companies claim they are the best. Whereas financial condition was very severe.
In addition to those mentioned above, there are several factors that should be considered in the process of selecting an insurance company, including in selecting products. The thing to keep in mind that in choosing a car insurance company, then that should be considered in general are the three factors.
First, the financial strength (security). Second, the service . And third, the cost or burden. 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, a vehicle that good directors. But when there claims from customers, the company can not pay.
In assessing the financial strength of these there are several benchmarks that need attention.
a. Assets and liabilities. This can be seen from the financial balance sheet is published in the newspaper. See also, whether the investment is planted in the current 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 (own capital) divided by net premiums `` (net premiums) of at least 50%. Capital is divided into `gross` premiums (gross premiums) of at least 20%. Limit the level of solvency, as seen from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by a minimum of 100%.
b. Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting policy was good.
c. Underwriters him. Insurance has personnel qualified or not. It is known from the profile of companies that includes the underwriters him.
Services is the mirror the extent to which human resources at the company's qualified or not. Moreover, insurance companies are selling a service, 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, about the service can actually be felt by the customer. Is this insurance company was absolutely the best service for its customers.
In this connection should also be questioned, whether this insurance company in reinsurance Reinsurance class safety. This can be seen from its annual report. It is important to note, because if the company is not backed up by reinsurance, the company is likely to be speculative in receiving the 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 not efficient. If it's not efficient, it will end up losing money. And, if you continually lose money, certainly not healthy.
In this connection can also see the price premiums. Compare prices 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 mecanism RBC (Risk Base Caital). If the RBC number was large, this 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 is doing great expansion like to open many branches, then his RBC numbers would be small.
Conversely, there is a small insurance company but never to expand, the RBC number was probably much greater.
So, RBC numbers can not be used as the sole measure of whether the insurance company is healthy or not.
In this case, also noteworthy is the company's performance in 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 company's management behavior over the years. Is there a management company for this broken promise? Has this company experienced management and other defaults.
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