Choosing the most suitable auto insurance for our needs is not an easy job. In Indonesia there are dozens of insurance companies with hundreds of insurance products available in the market. Each of these companies promises the cheapest price and the most comprehensive protection. However, that does not mean all insurance companies and products are suitable for your needs and family. Do not let, the insurance that you register even make a loss than to protect. So, how to find the right company for us? Find out the insurance company's track record The best insurance company in Indonesia can be seen from his track record.
To find out the reputation of an auto insurance company, we can gather information either through mass media or people who are considered to understand the insurance industry. Before deciding to choose insurance based on the premium price, compare the company's reputation first and others. Find out how satisfied customers of the insurance company for the services provided. Never insurance only because the premium price alone. Better to choose an insurance company whose reputation is good but has a premium that is slightly more expensive than insurance companies that offer the cheapest premium but known to make it difficult for customers who want to make a claim. Read: HEALTH INSURANCE PROGRAM
Insurance companies must hold OJK permits To find out whether an auto insurance company is good or not, find out if the company has pocketed the license of the Financial Services Authority (OJK). If not, you should undo it because the insurer is not secure. Therefore, the insurance company can only operate with OJK license. Avoid illegal insurance companies. Gain award from an independent institution A number of independent rating agencies commonly undertake ratings, ratings and awards on outstanding insurance companies. We can make a list that is usually announced in the media today as a benchmark to choose the best insurance. Typically, awards are divided into categories such as companies with the highest premiums, highest premium rate increase to the highest percentage increase. These data are very important in relation to the financial performance of insurance companies.
The claiming process is easy and fast Good or bad service of the insurance company is judged by how easy and fast the claim process proposed by the customer. Therefore, when finding out the insurance company's track record, get also information about the claim procedure. Choose what you feel is easiest and not difficult. To add information, you can also ask this to the auto insurance agent. Then, cross check their statements with the comments of the insurance user in question. Know the cost and insurance coverage This is one of the factors that determine the amount of insurance premium managed. The cheaper the premium and the higher the cost of coverage usually makes more and more people interested to register. Why insurance premiums run by insurance companies are important to customers? Because, the greater the funds owned by insurance companies, the greater their ability to pay claims and operational. If the fund under management of a small insurance company, then the risk of corporate collapse is greater when there are claims in large quantities simultaneously.
Make a comparison To find the best insurance, the step that must be done is to make a comparison between one insurance product and other insurance products. Thus, we can get the best option by comparing the costs and benefits of the various home insurance companies. In order to save time and cost in making comparisons, try to do a comparison using a financial product comparison website. After making comparisons and getting suitable and required product results, through financial comparison portals we can also apply for online auto insurance registration. For example, you want to find the best car insurance for your favorite vehicle. Because since 2015 and OJK impose fixed tariff on vehicle insurance, then the process of comparison that we can do is to choose additional additional benefits that can be obtained, for example free crane facilities and more.