How to choose the right car insurance?
As an asset that is of considerable value, it
is appropriate if your car has protection against all possibilities that will
occur such as accidents, dents, and even loss due to theft.
One wise step that can be taken to protect these high-value assets is to buy a vehicle insurance policy. With the purchase of a vehicle insurance policy, at least your car has received coverage and repairs from the insurance company.
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However, to choose car insurance This right thing cannot be
done hastily and carelessly because it will affect the benefits and all the
services that will be obtained and your comfort as a customer of the insurance
company.
In the following article, ombro will share about how
to choose the right car insurance so that the benefits promised by the car
insurance company can be felt by you as a customer of the insurance company.
1. See the company's reputation
The very first thing in choosing the right car
insurance is to look at the reputation of the insurance company thoroughly.
Please note that the number of insurance companies in Indonesia is very large,
not to mention with all the additional services that can confuse us in choosing
car insurance.
There is no need to rush in choosing the right car
insurance company, at least pay attention to the following things when choosing
a car insurance company
Company Credibility
The credibility of the
company concerns the image of the company and their reputation in the wider
community. The higher the level of public trust in the company can be an
indicator that the company is credible and worthy of consideration.
Consider the Customer Complaint Ratio and its handling
Dig in-depth information
through offline or online related to the ratio of customer complaints and their
handling. Pay attention to the success rate in resolving customer complaints
that have been made. The higher the completion rate, the more feasible this can
be an indicator of the feasibility of using their services.
Corporate Associate Workshop
The number of partner
workshops of insurance companies is also a consideration when choosing car
insurance. Choose a car insurance company that has an extensive and trustworthy
network of partner workshops, especially choose one that is close to your home
or office.
In addition, also pay attention to the quality of
repairs produced from the partner workshop. That way every time there is a
claim, you will also be easy and fast to receive the latest information.
Features of the services provided
The next concern in choosing
the right car insurance company is the features of the services provided. For
example, 24-hour towing and ambulance services anywhere or replacement car
facility services when your car enters the repair shop. All these features will
make you more comfortable and safe when needed at any time.
Claim Procedure
A good, credible and
trustworthy insurance company will certainly handle its customers' claims as
quickly as they can. The 24-hour Call Center facility can be an indicator of
the level of service provided.
Find out and pay attention to how many customer
claims have been received and processed thoroughly by the insurance company.
Don't choose an insurance company just because it already has a big name, while
its performance and service to customers is so poor and slow.
You can search for them through internet services,
forums, communities, or from their official website. Make this a consideration
in choosing the right car insurance company.
2. Adjust to your needs
After determining and choosing the company, the next
step is to choose the type of car insurance to use. To choose this car
insurance, it should be based on the condition of the car and the age of the
car.
For example, for a new car, you should choose an
all-risk type of car insurance because this insurance covers almost all the
risks that may occur in your vehicle such as heavy, moderate, or minor
accidents.
However, if your car is not new, the choice of total
lost only (TLO) type insurance can be another consideration to be more
economical in terms of financing.
Make sure to choose the type of car insurance that
suits your needs because this will determine the amount of premium fees you
have to pay apart from the type of claim that can be submitted.
The amount of premium paid will certainly affect the
benefits and protection that will be obtained. Even so, don't force yourself to
take a fairly large amount of premiums that are beyond your financial ability.
Considering the financial capabilities you have with
the benefits that will be obtained from the selected insurance product is a
wise step that you need to do. Choose the right car insurance product that
suits your financial condition.
3. Pay attention to the product advantages and terms of the insurance
policy in detail
Each type of car insurance, of course, will provide
different benefits and benefits, depending on the type and also the service
features you need. Be sure to know in advance in detail what are the advantages
and forms of protection that the car insurance that you are going to buy will
provide.
Generally, all the provisions and benefits of
insurance products taken have been entered and recorded in the insurance
policy. For example, about what things are claimed, how the requirements for
filing and processing claims and various other things.
Therefore, understanding every point in the insurance
policy is very important. This is useful so that in the future there will be no
misunderstandings that can be detrimental between the two parties.
4. Compare with similar insurance products with different companies
When you have obtained the criteria for the insurance
company to be selected, it never hurts to compare the same insurance product
but come from different insurance companies.
Compare at least two or three flagship car insurance
products that will be selected from the many car insurance products available.
In addition, if you happen to buy a new car, there is
nothing wrong with considering the recommendations of the insurance company
from the dealer who they think are quite good and trustworthy.
That way you can find out the picture
provided so that you can estimate which insurance services from which company
is the most appropriate and can be your choice. Happy
choosing !
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