Choosing a car insurance is not easy. Especially in the midst of fierce competition nowadays. Almost all insurance companies have a product car insurance. Stay prospective customers to choose which ones deserve to take. Therefore below we present some criteria for no one choose :
First, the financial strength (security). Second, the service (service). And third, cost or expense. 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 beyond it classy. For example storey buildings, vehicles that good directors. But when there claims of customers, the company can not pay.
In assessing the financial strength of these there are some benchmarks that need attention.
A. Assets and liabilities.
This can be seen from the consolidated balance sheet is published in the newspaper. See also, whether planted in the current investments or long-term. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts on the reinsurer, how he fulfilled his obligation to pay claims, and so forth. Indicators liabilities include net 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, which looks from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by at least 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.
Insurance has personnel qualified or not. It is known from the profile companies that includes the underwriters.
Services (service) is the extent to which the mirror of 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 services for its customers.
In this connection could also be price premiums. Compare the price of insurance premiums the same with other insurance. Where the quality is really good.
- 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 any guarantee of service.
- See the insurance package offered. For example, extensive warranties to how much. Therefore, extensive warranties should be adjusted with the desire and ability to prospective customers.
- See also the network of insurance companies concerned. For example, how many have a branch office or how many partners have a garage, so once someone claims not to wait long to fix the vehicle or vehicles reported missing.
- It could be asked in advance the ease, facility or what added value can be obtained when buying the policy in the company it. For example, if there is a tow truck, a replacement car or hotline services, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the facility in question.
- Bonafides Consider also insurance companies. Do not get so there is a claim, the partners did not have a garage. Therefore, many insurance companies claim they are the best. Though its financial condition was very severe.
First, the financial strength (security). Second, the service (service). And third, cost or expense. 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 beyond it classy. For example storey buildings, vehicles that good directors. But when there claims of customers, the company can not pay.
In assessing the financial strength of these there are some benchmarks that need attention.
A. Assets and liabilities.
This can be seen from the consolidated balance sheet is published in the newspaper. See also, whether planted in the current investments or long-term. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts on the reinsurer, how he fulfilled his obligation to pay claims, and so forth. Indicators liabilities include net 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, which looks from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by at least 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.
Insurance has personnel qualified or not. It is known from the profile companies that includes the underwriters.
Services (service) is the extent to which the mirror of 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 services for its customers.
In this connection could also be price premiums. Compare the price of insurance premiums the same with other insurance. Where the quality is really good.
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