THE RIGHT Insurance Losses

You want to buy the insurance policy? Do not rush. There are several things to consider when determining what insurance products will you use, either for yourself or for your employer. These tips can help you.1.Separate items / objects in accordance with the calculation of economicSelect the items that really need insured so you have nothing to lose. For example, if you intend to take fire insurance for the house and household furniture, then you do not need to enter the computer and all the accessories into the calculation. Why? Because the recovery value for the company's computers is very low when compared to the current value of the computer or at the time of purchase will be insured.Another example, you would take out insurance of motor vehicles (cars) the company's assets. If the cars to be insured are aged over 10 years, the economic cost of insurance premiums will be greater. Another case when a company can set their own / self insurance for vehicle assets.2.Identify items / objects are clearlyWe recommend that you first identify the item / object to be insured. For example, the Toyota Corolla sedan in 1998.At the company, such a garment factory and its machinery, generators and other equipment associated with the activity of the plant.3.Choose the insurance company with good reputationDo not be fooled by insurance companies provide premium rate (the amount paid for a unit of protection afforded) a low or a high premium pieces. If you do, can-can the insurance company can not complete payment of the claim at the time you make a claim against them.4.Give the information as clearly as possibleProvide information about the object as clearly as possible will you insured to the insurer / insurance broker. Instead, ask for more-complete information about the insurance products they offer. You can ask about the types of insurance, extensive warranties, rate premiums, deductibles (the amount of fees you will pay before the insurance starts paying compensation), or a piece of the claims procedure.5.Ask your insurance coverage (insurance coverage) is bestYou should ask the most extensive insurance surety before the insurance company issuing the insurance policy.For example, for fire insurance Fire Insurance You could ask RSMD 4.1.A or 4.1.B +  earthquake  + flood (flood). Property insurance for buildings, you can ask for property cover all risks (PAR). If you want to insure motor vehicles, have the motor vehicle insurance covers all risks RSMD 4.1.A +, etc..6.Choose a package of insurance productsInstead of just choosing one insurance product, you are encouraged to select one packet at a time. That way you will get discount facilities and better service. For example the purchase of home insurance (Fire Insurance) the following cars (Car Insurance) and personal accident for the family members.7.Ask the system of "First Loss Insurance"Special coverage for objects that have a value / number of very large, have the system of "first loss insurance" to the insurance premiums that you pay is not too large.8.Ask the system "Adjustable Policy"Value / amount of insurance stock merchandise usually show different volume every day or every month. To fix this, you can ask the system "adjustable policy". With this system you will pay premiums in accordance with the volume / transaction really you have done.9.Read, carefully and askCarefully read and examine the contents of the policy statement and the article-the article. Ask about the procedures that will claim you did before approving the issuance of insurance policies.If there are errors in writing, either on the object of insurance or any other information, immediately notify the insurer / insurance broker. They will soon issue a written improvement in the policy.
Once you have approved the issuance of the policy in question, ask for the original and the duplicate policy document, complete with receipts as a sign of ownership and payment of insurance premiums