How To Choose A Good Motor Insurance Company
Making the right choices in life could save you money and heartache. Understanding whether you have made the right choice in the purchase of general insurance is admittedly not an easy feat as the subject can be so technical that it is hard to grasp, even if t
he right questions are asked.
The Persatuan Insuran Am Malaysia (PIAM) has recommended that consumers consider the following areas in relation to decision making and choices in purchasing insurance products and services.
(1) SELECT A GOOD INSURANCE COMPANY
Three primary criteria should be considered when choosing an insurance company:
An insurance policy is a promise. Like all promises, it is worth no more than the word and the financial strength of the person or company making it. Therefore, the first priority in choosing an insurance company is to be sure the company is strong financially. You may be able to gauge the standing of a specific company from information gathered from insurance agents or advice of your insurance broker or experiences of other policyholders i.e. satisfied customers. An insurance company should also be willing to listen to your insurance requirements and if necessary "tailor" insurance covers to meet your needs.
The consumer should determine the company's reputation for fairness and promptness in settling claims and its reputation for providing service.
(2) Selecting A Good Insurance Agent
The first criteria when selecting a good insurance agent is that he or she must be registered with PIAM before dealing or engaging in any general insurance business.
The General Insurance Agents Registration (GIARR) also regulates the agents as every insurance agent who wishes to be registered will have to first obtain a Certificate of Proficiency in Insurance. Registered agents are then issued with a Certificate of Registration and an Agents Identification Card.
Besides being easily accessible, other pre-requisites of a good insurance agent include possessing:
It is admittedly difficult for a consumer to form an opinion about an agent's trustworthiness. Knowledge of the agents' reputation, or referral by a satisfied customer is about the only ways available to develop this information. The same reasoning applies to the agent's desire and ability to provide service after the sale. When in doubt, there is no harm in contacting and making some enquiries at the branch office or the head office of the insurance company which the agent says he represents.
(3) Select A Good Insurance Policy
Whether the insurance policy is deemed good or bad, depends on the consumer understanding of his need for that particular insurance. A "good" insurance policy should be one that meets the consumer's needs without providing more insurance than is required. For many consumers, the two largest exposures to loss or damage are the house and car. The consumer's role is easier today, where one or two packaged plans of insurance which can cover most property insurance needs. Some Insureds with unusual property, such as expensive artwork, antiques or coin collections, need to amend the standard policy to tailor the coverage to meet their specific needs.
(4) Proper Amount of Insurance
Choosing the proper amount of insurance, like choosing the proper policy, begins with a knowledge of the need for insurance. The need for insurance is related to the severity and the probability of a potential loss. In property insurance, the need for protection is usually based on either the acquisition cost or the replacement value of a physical asset.
This need can be calculated. In cases of business income insurance or liability claims, estimates of potential losses are needed. It has been suggested that consumers need to understand clearly their exposures to low severity-high frequency losses and high severity-low frequency exposures and purchase their insurance accordingly.
One trade-off that often can be made in property insurance is the choice of a higher deductible in exchange for a lower premium, or an increased upper limit of coverage. The deductible is the portion of the loss the insured is obliged to bear before the Insurer pays the remainder of the claim. The higher the deductible, the larger the loss must be before the Insurer must pay. The higher deductible results in two savings realised by the Insurer, lower settlement expenses and lower total payments for losses (because small claims are not covered). These savings are passed on to the consumer taking the higher deductible. A substantial monetary incentive may exist for the consumer to consider how large a loss can be afforded safely before choosing the deductible amount. Despite the difficulty in choosing the proper amount of insurance coverage, some common sense rules apply:
(5) Pay Right Price
Useful hints for consumer will enable them to pay the right price, but few absolute rates exist. The "right price" is the one providing the consumer with the greatest amount of insurance after giving consideration to the other four criteria just described. That is, the right price for insurance is not necessarily the lowest price. The lowest price may come from a company whose financial strength is questionable. It may come from an Insurer whose agents are not trained adequately or from a company whose policies do not offer coverage as valuable as that offered by other companies. For these and other reasons, the consumers should first consider all the other criteria mentioned and then decide on the right price for insurance protection and, indirectly, peace of mind.
The Persatuan Insuran Am Malaysia (PIAM) has recommended that consumers consider the following areas in relation to decision making and choices in purchasing insurance products and services.
(1) SELECT A GOOD INSURANCE COMPANY
Three primary criteria should be considered when choosing an insurance company:
- Financial strength;
- Fairness and promptness in processing claims;
- Ability and willingness to provide service before and after a loss.
An insurance policy is a promise. Like all promises, it is worth no more than the word and the financial strength of the person or company making it. Therefore, the first priority in choosing an insurance company is to be sure the company is strong financially. You may be able to gauge the standing of a specific company from information gathered from insurance agents or advice of your insurance broker or experiences of other policyholders i.e. satisfied customers. An insurance company should also be willing to listen to your insurance requirements and if necessary "tailor" insurance covers to meet your needs.
The consumer should determine the company's reputation for fairness and promptness in settling claims and its reputation for providing service.
(2) Selecting A Good Insurance Agent
The first criteria when selecting a good insurance agent is that he or she must be registered with PIAM before dealing or engaging in any general insurance business.
The General Insurance Agents Registration (GIARR) also regulates the agents as every insurance agent who wishes to be registered will have to first obtain a Certificate of Proficiency in Insurance. Registered agents are then issued with a Certificate of Registration and an Agents Identification Card.
Besides being easily accessible, other pre-requisites of a good insurance agent include possessing:
- a good knowledge of the products and services offered by his principal ie the insurance company that he represents.
- strong ethics and the ability to put a client's interest first;
- good communication skills so that the insured understands the needs the insurance fulfills, and the rights and duties created by the contract. Evidence of an agent's knowledge is found in the ability to answer questions clearly and if an answer is not readily available, he knows where to get the answer. Some agents show their desire to add to their knowledge by attending seminars organised by their principals.
It is admittedly difficult for a consumer to form an opinion about an agent's trustworthiness. Knowledge of the agents' reputation, or referral by a satisfied customer is about the only ways available to develop this information. The same reasoning applies to the agent's desire and ability to provide service after the sale. When in doubt, there is no harm in contacting and making some enquiries at the branch office or the head office of the insurance company which the agent says he represents.
(3) Select A Good Insurance Policy
Whether the insurance policy is deemed good or bad, depends on the consumer understanding of his need for that particular insurance. A "good" insurance policy should be one that meets the consumer's needs without providing more insurance than is required. For many consumers, the two largest exposures to loss or damage are the house and car. The consumer's role is easier today, where one or two packaged plans of insurance which can cover most property insurance needs. Some Insureds with unusual property, such as expensive artwork, antiques or coin collections, need to amend the standard policy to tailor the coverage to meet their specific needs.
(4) Proper Amount of Insurance
Choosing the proper amount of insurance, like choosing the proper policy, begins with a knowledge of the need for insurance. The need for insurance is related to the severity and the probability of a potential loss. In property insurance, the need for protection is usually based on either the acquisition cost or the replacement value of a physical asset.
This need can be calculated. In cases of business income insurance or liability claims, estimates of potential losses are needed. It has been suggested that consumers need to understand clearly their exposures to low severity-high frequency losses and high severity-low frequency exposures and purchase their insurance accordingly.
One trade-off that often can be made in property insurance is the choice of a higher deductible in exchange for a lower premium, or an increased upper limit of coverage. The deductible is the portion of the loss the insured is obliged to bear before the Insurer pays the remainder of the claim. The higher the deductible, the larger the loss must be before the Insurer must pay. The higher deductible results in two savings realised by the Insurer, lower settlement expenses and lower total payments for losses (because small claims are not covered). These savings are passed on to the consumer taking the higher deductible. A substantial monetary incentive may exist for the consumer to consider how large a loss can be afforded safely before choosing the deductible amount. Despite the difficulty in choosing the proper amount of insurance coverage, some common sense rules apply:
- Insure first those exposures to loss most likely to cause the greatest amount of damage;
- Never expose to loss more than you can afford to lose;
- Never risk a great loss (a high percentage of your losses) in exchange for a small gain (saving the insurance premium).
(5) Pay Right Price
Useful hints for consumer will enable them to pay the right price, but few absolute rates exist. The "right price" is the one providing the consumer with the greatest amount of insurance after giving consideration to the other four criteria just described. That is, the right price for insurance is not necessarily the lowest price. The lowest price may come from a company whose financial strength is questionable. It may come from an Insurer whose agents are not trained adequately or from a company whose policies do not offer coverage as valuable as that offered by other companies. For these and other reasons, the consumers should first consider all the other criteria mentioned and then decide on the right price for insurance protection and, indirectly, peace of mind.
如何选择一个好的汽车保险公司做出正确的选择，在生活中可以节省你的钱和心痛。了解您是否已在一般保险购买了正确的选择是无可否认不是一件容易的壮举为主题，可以使技术，这是很难把握，即使是问正确的问题。
马来西亚普通保险协会（PIAM）建议消费者考虑的问题，决策和购买保险产品和服务的选择有以下几个方面。
（1）选择好险公司三个主要的标准时，应考虑选择保险公司：资金实力;公平和及时处理索赔;能力和愿意提供前后丢失的服务。
保险政策是一种承诺。像所有的承诺，值得并不比字和人身或使公司的财务实力。因此，在选择保险公司的首要任务是确保该公司强大的经济。您可能能够衡量从保险代理人或您的保险经纪或其他保单的经验建议，即收集信息的一个特定的公司地位顾客满意。如果保险公司也愿意听您的保险需求，如有需要“量身定做”保险覆盖，以满足您的需求。
如果消费者确定了公司的公平性和解决索赔和其提供服务的声誉迅速声望。
（2）选择一个好的保险代理人当选择一个好的保险代理人，首要标准是，他或她必须与PIAM注册，方可在任何交易或从事一般保险业务。
一般保险代理登记（GIARR）还规定，因为每个保险代理人谁希望成为注册代理商必须先取得一份保险水平证书。注册代理，然后发出一个注册代理证书和身份证。
除了是交通便利，其他拥有一个良好的保险代理人的先决条件包括：一的产品和他的主要提供即保险公司，他代表服务良好的知识。强烈的道德和能力把客户的利益第一;良好的沟通技巧，使投保人了解保险满足的需要，权利和义务由合同产生。代理人的知识发现证据的能力，回答问题清楚，如果没有现成的答案，他知道在哪里得到答案。一些代理商展示自己的欲望，增加他们的校长出席了研讨会，举办知识。
这是无可否认消费者难以形成一个关于代理人的诚信度的意见。对代理商“的美誉，或由一个满意的客户转介知识是有关可用来发展这一信息唯一途径。同样的道理适用于代理人的愿望和能力后提供售后服务。如果有疑问，没有任何联系，使在分支机构或保险公司代理人Utara说，他代表总部一些查询的伤害。
（3）选择好保险无论保险政策被认为是好还是坏，在他的保险需要针对特定消费者的理解一致。一个“好”保险政策要符合不继续比需要更多的保险消费者的需求。对于许多消费者来说，两个最大的风险，以灭失或损坏的房屋和汽车。消费者的作用是比较容易的今天，其中一个或两个保险打包Utara财产保险计划可以覆盖大部分的需求。不寻常的财产，如昂贵的艺术品，古董或钱币收藏，有些投保人需要修订的标准政策，裁剪覆盖，以满足其特定需求。
（4）适量的保险选择适当的保险金额，如选择适当的政策，开始了对保险的认识。该保险需要的是关系到大病和潜在损失概率。在财产保险，对需要保护的通常是基于无论是收购成本或物理资产置换价值。
这种需要可以计算出来。在业务收入或责任保险索赔的情况下，潜在的损失估计是必要的。有人建议，消费者需要清楚了解自身的大病风险，以低损失和严重的疾病和购买相应的保险风险高频率高低频。
一权衡，往往可以在财产保险方面是提出了更高的在一个较低的保费，或增加投保上限交流抵扣的选择。抵扣是被保险人有责任承担前保险人支付剩余的索赔损失部分。免赔额越高，损失越大，必须在保险人必须支付。在两高储蓄扣税结果实现了由保险公司，降低费用，降低损失（因为小索赔不包括在内）的总结算付款。这些储蓄被传递给消费者以较高的免赔额。一个可能存在大量金钱奖励为消费者考虑多大的损失可以给予抵扣的金额，才选择安全。尽管在选择适当的保险金额难度，稍有常识的规则：保险损失极有可能造成的损害金额最大者首次曝光;不要暴露在损失超过你能承受损失;不要冒险为小利（储蓄保费）交流的巨大损失（对您的损失高的百分比）。
（5）支付对价为原型，以使消费者有用的提示将支付对价，但很少有绝对的价格。 “对价”是与保险金额最大后兼顾其他四个刚才所描述的标准进行消费one。也就是说，保险合适的价格不一定是最低价格。以最低的价格可能来自公司，其资金实力是有问题的。它可能来自保险公司的不充分或从培训公司，其政策不会提供像其他公司所提供的宝贵覆盖剂。对于这些和其他原因，首先应考虑所有消费者提及的其他标准，然后决定为保险保障合适的价格，并间接地，安心。
马来西亚普通保险协会（PIAM）建议消费者考虑的问题，决策和购买保险产品和服务的选择有以下几个方面。
（1）选择好险公司三个主要的标准时，应考虑选择保险公司：资金实力;公平和及时处理索赔;能力和愿意提供前后丢失的服务。
保险政策是一种承诺。像所有的承诺，值得并不比字和人身或使公司的财务实力。因此，在选择保险公司的首要任务是确保该公司强大的经济。您可能能够衡量从保险代理人或您的保险经纪或其他保单的经验建议，即收集信息的一个特定的公司地位顾客满意。如果保险公司也愿意听您的保险需求，如有需要“量身定做”保险覆盖，以满足您的需求。
如果消费者确定了公司的公平性和解决索赔和其提供服务的声誉迅速声望。
（2）选择一个好的保险代理人当选择一个好的保险代理人，首要标准是，他或她必须与PIAM注册，方可在任何交易或从事一般保险业务。
一般保险代理登记（GIARR）还规定，因为每个保险代理人谁希望成为注册代理商必须先取得一份保险水平证书。注册代理，然后发出一个注册代理证书和身份证。
除了是交通便利，其他拥有一个良好的保险代理人的先决条件包括：一的产品和他的主要提供即保险公司，他代表服务良好的知识。强烈的道德和能力把客户的利益第一;良好的沟通技巧，使投保人了解保险满足的需要，权利和义务由合同产生。代理人的知识发现证据的能力，回答问题清楚，如果没有现成的答案，他知道在哪里得到答案。一些代理商展示自己的欲望，增加他们的校长出席了研讨会，举办知识。
这是无可否认消费者难以形成一个关于代理人的诚信度的意见。对代理商“的美誉，或由一个满意的客户转介知识是有关可用来发展这一信息唯一途径。同样的道理适用于代理人的愿望和能力后提供售后服务。如果有疑问，没有任何联系，使在分支机构或保险公司代理人Utara说，他代表总部一些查询的伤害。
（3）选择好保险无论保险政策被认为是好还是坏，在他的保险需要针对特定消费者的理解一致。一个“好”保险政策要符合不继续比需要更多的保险消费者的需求。对于许多消费者来说，两个最大的风险，以灭失或损坏的房屋和汽车。消费者的作用是比较容易的今天，其中一个或两个保险打包Utara财产保险计划可以覆盖大部分的需求。不寻常的财产，如昂贵的艺术品，古董或钱币收藏，有些投保人需要修订的标准政策，裁剪覆盖，以满足其特定需求。
（4）适量的保险选择适当的保险金额，如选择适当的政策，开始了对保险的认识。该保险需要的是关系到大病和潜在损失概率。在财产保险，对需要保护的通常是基于无论是收购成本或物理资产置换价值。
这种需要可以计算出来。在业务收入或责任保险索赔的情况下，潜在的损失估计是必要的。有人建议，消费者需要清楚了解自身的大病风险，以低损失和严重的疾病和购买相应的保险风险高频率高低频。
一权衡，往往可以在财产保险方面是提出了更高的在一个较低的保费，或增加投保上限交流抵扣的选择。抵扣是被保险人有责任承担前保险人支付剩余的索赔损失部分。免赔额越高，损失越大，必须在保险人必须支付。在两高储蓄扣税结果实现了由保险公司，降低费用，降低损失（因为小索赔不包括在内）的总结算付款。这些储蓄被传递给消费者以较高的免赔额。一个可能存在大量金钱奖励为消费者考虑多大的损失可以给予抵扣的金额，才选择安全。尽管在选择适当的保险金额难度，稍有常识的规则：保险损失极有可能造成的损害金额最大者首次曝光;不要暴露在损失超过你能承受损失;不要冒险为小利（储蓄保费）交流的巨大损失（对您的损失高的百分比）。
（5）支付对价为原型，以使消费者有用的提示将支付对价，但很少有绝对的价格。 “对价”是与保险金额最大后兼顾其他四个刚才所描述的标准进行消费one。也就是说，保险合适的价格不一定是最低价格。以最低的价格可能来自公司，其资金实力是有问题的。它可能来自保险公司的不充分或从培训公司，其政策不会提供像其他公司所提供的宝贵覆盖剂。对于这些和其他原因，首先应考虑所有消费者提及的其他标准，然后决定为保险保障合适的价格，并间接地，安心。
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