You're looking for and confused in choosing a car insurance?, The following tips may be slightly into consideration not forget I attach information / offer car insurance to be a mother / father learned:
Smart Tips Choosing Car Insurance
1. Quality:
Make sure the first insurer to be selected include the category of insurance which have got prediket Best General Insurance, Indonesian Best Brand Award, Indonsian Customer Satisfaction Award. Due to this certification has been clearly shown that such insurance is reliable, trustworthy, and proven responsible in serving the customer claim.
2. Cost Own Risk (Own Risk):
Sometimes back and forth to the garage insurance is also something that makes lazy customers, especially some insurers apply the system of claim with the payment for OR (Own Risk) or the risk itself was average Rp.200.000.- there are on a per incident, per collision, and so of course it makes you burdened with having to spend a lot of claims to pay OR if frequent back and forth to the garage insurance is not necessarily the result of the work shop to satisfy customers as done by the workshop that mock or non-authorized.
3. Claims Process:
The time to process insurance claims should be examined first, there are some auto insurance claim process customer receives a convoluted once had is the one that should wait surveyornya ready lah lah, sometimes need to be debated first was when surveyed. Yet sometimes it takes a few days just to wait for SPK (Work Order) issued by the insurer so that the workshop can fix our cars. Things like this sometimes customers feel ignored and a lot of time to wait tebuang just a piece of paper / letter. Leave this process as outdated, you should select an insurance claim when an uncomplicated, fast less than 30 minutes SPK already in your hand so that you stay at to determine to what an insurance workshops.
4. Work:
Many insurers are implementing some cheap rate, but what if the work is not very good quality garage associates alias mock and do not satisfy the customer. Sometimes paint your car look even striped Betong make your car body image as if the devastating collision course ever made a sale value of your car slump. Although the customer can complain to the insurance, but how long the loss of your time wasted. Pay attention to this 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 in price premiums few rupiah
5. Spare Parts (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. Responsibility Third Party (TJH / TPL) and PA (Personal Accident):
This feature should be examined carefully, because at the time the accident motorcycle collision instance crashing sometimes - sometimes the 3rd party even much heavier damage than us. Here the role of these features dipelukan, you should select an insurance liability to the three large parties so that you do not tebebebani extra cost. Likewise with personal accident protection features driver / passenger it is also very necessary. Select the insurance that is included with this feature.
7. Free Services Protection 24 Hours:
It is very, very important when choosing car insurance, many car insurance which only rely on and provide rate cheap alone but service protection is not very satisfactory, service is not 24 hours, no telephone service hard to contact even sometimes no answer, sometimes -sometimes area is also very limited protection at all times even only the greater Jakarta area alone. Out of Jabodetabek you can helm when there is a problem with your car such as breaking down on the highway because of a flat tire, need a tow, a key miss in the car, running out of fuel, etc. Leave these concerns, select insurance with a 24-hour alert and wide protection area in Indonesia.
8. SRCC (Strike, Riot and Civil Commotion - Riots, Strikes and Riot & Flood):
This insurance is highly recommended feature that can guarantee risk due to a disturbance of public order committed by a group of people, as well as the actions the authorities in cracking down on these disorders, whether related to strikes and deterrence worked, and bear political bemotif civil unrest. Also the expansion of insurance covers loss caused by the overflowing water out of the normal limit water rivers, lakes, swamps, water gate breakdown, breakdown dam, continuous rain that can not be accommodated by water channels. Flood damage includes damage to the interior, the exterior, the dashboard panel, mechanical, electrical and other damage on the vehicle bemotor insured. Select insurance which includes this feature.
9. Flexible In Payment:
Choose a car insurance premium payment is flexible, can be made by cash, transfer, or credit card (Visa / Mastercard).