Understanding and kind of insurance the insurance of motor vehicles

Motor vehicle insurance is insurance that can take all types of motor vehicles, including car insurance and motor insurance. The following is a description of motor vehicle insurance:

1. ANYTHING CAN BE INSURED?

Two-wheeled motor vehicles (motorcycles, scooters and the like) four or more wheeled vehicles (sedans, jeeps, trucks, minibus) including accessories or additional equipment attached to the vehicle.

2. What are the RISKS GUARANTEED?

In accordance with Standard motor insurance Policy issued by Indonesia Insurance Council of Indonesia, this insurance policy losses or damage to motor vehicles caused among other things by:

a. collision, collision, reversed and slipped or crashed

b. the evil deeds of others

c. Theft including theft that is preceded or accompanied by violence or the threat of

d. Fire due to lightning strikes

e. damage during vehicle in crossing using a ferry run by the Directorate General of Land Transportation

f. cost of crane

Motor vehicle insurance policy also ensures risk responsibility to sue (legal liability of the insured to the third party) where third party suffered losses that are directly caused by a motor vehicle that is insured by the terms have got written consent from penangggung. The losses experienced by third parties can be a property damage or injury to the body or death. In this risk also includes the risk of responsibility on covered are fees or the cost of the expert assistance that was approved earlier by the insurance.

3. Is THERE a RISK that is NOT GUARANTEED?

Risks that are not guaranteed to be written clearly in the terms that are in the policy, among other things:

1. Loss of profits for the vehicle can not be used due to accidents

2. Loss due to embezzlement

3. Loss of or damage to ancillary equipment or non standard that is not mentioned in the overview of the polis

4. Due to the evil deeds committed by the insured or the insured's family

5. Vehicles used for practice driving, racing, campaign/Carnival, criminal

6. Excess charge

7. The driver does not have a DRIVER'S LICENSE or violate traffic rules

8. Freight charge in the vehicle

9. Due to natural disasters or wars and the like

4. What FACTORS AFFECT the PREMIUM TRIBE?
When spelled out of two types i.e. closure or extensive warranties, insurance of motor vehicles has two types of closure, that is no guarantee of Total loss or Total Loss Only, and comprehensive warranties.

Guarantee of Total loss (All Risk) is a type of insurance that took away the vehicle is lost or stolen-vehicle accident which cost the fix is estimated to be at least 75 percent of the price of the vehicle.
Comprehensive guarantee can be said to be almost similar to guarantee Total loss only no minimum estimate repair costs.

There are several factors that affect the magnitude of the premium, for example:

1. The type of the selected assurance (comprehensive or total loss)

Don't waste the SIM Holder for Insurance

In fact, the driver shall not be required to follow this insurance. It's just that sometimes, drivers have no choice or not get the information that the insurance was only an option, not mandatory.

The head of the Subdirektorat Education and Engineering Directorate of the Polda Metro Jaya Traffic Assistant Commissioner Ipung Purnomo said, insurance is still there so the driver suffered a traffic accident could make a claim.

"Insurance claims (PT ABB) is still there," Ipung said when contacted by the Kompas.com, Wednesday (12/8/2015).

These are used to claim insurance if an accident resulting in permanent disability drive away or died.

To file a claim filing process, the driver must qualify. First, the driver must coordinate with the insurance.

"Later checked, this is true because of the crash or why. Later also seen have SIM or not. If he didn't have a DRIVER'S LICENSE, right means he did not enter insurance Bhakti Bhayangkara, "Ipung said.

For the filing of the claim, first, the insurance officer report to PT Bhakti Bhayangkara in each satpas. Then, attach a certificate from the authorities in the form of affidavits from the traffic accident to the local Satlantas, death/disability/hospital expenses, photocopying LICENCE and insurance card is concerned, and the demands of a legitimate heir in case the insured dies with visum et repertum is accompanied.

Based on data from the official website of PT PT Office ABB, ABB Palatehan street No. 5, Kebayoran Baru, South Jakarta, with telephone number (021) 7204021 and fax (021) 7203306.

It applies the same insurance card with the SIM, i.e. over five years. A/B LICENCE holders who died of traffic accidents get maximum coverage an additional Rp SIM holder C and Rp 2.000.000.

Choosing the right Insurance for toddlers

Health is something that expensive have become proritas for many people then that more and more people are beginning to also keep his health conscious then it is to have the best insurance considering the health costs are not cheap and feels heavy to pay if we do not take into account early on.

First, to maintain the health of the fruit of the heart that is still a toddler surely insurance is the right solution in the answer the needs of health for the baby who is still prone to health problems.

In this case required a few tips so that you can choose the right insurance for your child as material considerations before you buy this type of insurance for toddlers.

Understand about health insurance mandatory insurance i.e. toddler provide facilities as well as services to support the health needs for the baby such as vaccinations, outpatient or inpatient.

The name of the companies belonging to the important part to consider karna the great companies that could become a benchmark of professionalism in processing the claim.
Get information about what types of disease ditangggung by insurance companies and also know about class treatment if the toddler was forced to undergo hospitalization VIP class or class 3 which will be obtained.

Check the kelenggapan health insurance which guarantees the vaccinations, outpatient & hospitalization.
The choice of more facilities for your toddler's health will you get when you have information about a hospital that became the partner of the insurance company of your choice

Customize with your financial ability.

Such articles as tips on choosing insurance insurance for your toddler may help when a toddler in his illness.

Which insurance priorities and Not

Many insurance products offered, however you may thus confused, what type of insurance a must have and which type of insurance is actually not very priorities. This is the answer.
Insurance: Where are the priority and not

It all depends on the needs, "said Mohammad Firm financial planner from the Financial to the QM smart wallet. In General, it is recommended to have insurance because of its usefulness as a risk of diversion. But when asked which type of insurance, compulsory belonged to, Fast says, it all depends on the needs of each individual.

He gave an example, to people who have income and dependents, then compulsory insurance is the share of life insurance. This type of insurance is in charge of replacing the lost revenue when the owner dies. With a replacement income, then the family left kept feel financially secure. "Children can still remain school, the couple also could still would be sure his needs," said Teguh.

Another case with a person who is still single. Although he has had an income, but if you don't have dependents, then it has not been necessary to have life insurance. It would be better if the money allocated for other things.
If the recommended life insurance Firm for the people of yan had a dependent and have an income, then another case with health insurance. According to him, this type of insurance must be owned by all the people. Why? Because of the risk of developing health problems can happen to anyone, with any status and whenever.

It is also by Andy diamini Nugroho, a financial planner from MRE Financial & Business Advisory. "Even should, be subject to the new first ill have health insurance. But perception behind, got health insurance used to be just in case when the pain comes, "he said. That's because health insurance will help ease the burden of health costs to be borne. Even greater benefits, namely insurance that will menaggung the financial burden caused by the pain.

Speaking of needs, then Andy, also agreed that the priority of insurance ownership should also be seen from their needs. When one man who has been married and has assets in the form of a car, then it is recommended in addition to life insurance and health insurance, then the vehicle is also required.

Once again, the Insurance Act as over risk. On car ownership, the risk that may occur is the accident that could result in a broken car. Well, if a disaster occurs, then the asuransilah will replace the repair costs.

If the last is already dealing with the priority of insurance, then the insurance, what is not? Andy exemplifies the health insurance. Wait a minute, is Andy is double health insurance cover.

He illustrates like this, to an employee, generally health insurance dues have been paid by the company. That is, the transfer of health financing had already been fulfilled. But a lot of Genesis, despite already having health insurance from a company work, a person still has other health insurance. The reason for the double cover.

"But often it happens, she has other health insurance because it's not tasty or ati equal brothers, a friend who became agents," he said. According to him, if indeed feel unnecessary, you should dare to say no. Because who knows the priority ownership insurance for you and your family are your own.

Choosing Insurance Products

Life insurance now has a wide range of products. Therefore, you need to see which products to suit your needs. Don't get wrong product wrong even select an insurance agent. For that, you need to know a number of things that need to be made in selecting the right insurance product.

 

 

CEO TGRM Financial Planning Services, Taufik Gumulya, told Kompas.com, in Jakarta, suggested a few things that need to be observed clients who want to choose a life insurance product. "If talk of life insurance, we must look at their insurance companies first. Before we mengkalkulasikan money pertanggungannya needs how much, "said Taufik.

Why would the company be to watch out for the first time by the customer? According to Taufik, not a few insurance companies that closed or do not last long. While insurance is not only belong to the customer who has a mere insurance product. "Because you are buying a family for the future of the future, not him. So heirs," added he.

Well, after choosing a company that clearly, then the customer should see the risk based capital (RBC) insurance companies. Simply put, RBC is a measure of the memcerminkan level of financial security insurance company. The greater the ratio, the more healthy financial condition of the company.

"RBC his minimum 125 percent," stated Taufik. That is, the percentages indicated the company still can pay, if someday all of customer claims. "There's still a spare (the rest of) 25 percent, so to put it simply, even if there is a special formulation (to count them)," he added.

Then, he continued, the new customer mengkalkulasikan himself in economic value. This is because life insurance is required for those who have an economic value. "So, the children are not yet right for the diasuransi of the soul, because there has been no economic value. Except the children, being a celebrity (or) becomes the star of ads, it's another story, "he explained.

So it is with parents who have children with the condition established inappropriately given life insurance. "So it is more appropriate to the age of their productive in this case. If life insurance is like that, "said Taufik.

Calculation of the economic value of customer self would later affect the calculation of the sum assured. This is given if the customer dies, then the sum assured will be out and received by the beneficiary.

As to the sum assured, he asserted, the money should be able to be capital family to make his future. Good for children's tuition fees, the cost of household operations until his retirement.

"So, I first suggested, (if) you want to take a look at the life insurance company, because this is for the future of your children, your wife, or your business. After that you count its economic value. There select the product properly, "stated Taufik