 Public Liability Insurance is a response to the risk of damages, lost benefits and legal liability to third parties arising from uncertain events. This guarantee are short term (short term) - usually one year. While life insurance provides services in penanggulan risks associated with the life or death of an insured person and the nature of long-term (long term).
In accordance with the provisions of Law No.2 / 1992 regarding the insurance undertakings, each field of Insurance is managed by a different company, although for some products, such as health insurance and personal accident insurance can be managed by either the insurance company or the soul.
Besides protection and guarantees, insurance also offers a variety of benefits, among others, to get useful inputs to minimize the risk. Generally, the insurance company has a team that is experienced with suvei it could provide recommendations to minimize risks to the interests of the insured. Insurance can also function segabai savings. This is evident in the benefits offered by life insurance. Basically, the results received at the end of the maturity period is a collection of savings premiums plus interest. Which should be remembered, in terms of the nature of its business, insurance companies is not an investment company that rates offered are usually lower than the interest on deposits or savings.
General Insurance Products
Motor Vehicle Insurance
Riots in May 1998 had a positive impact on morale insurance in Indonesia. Because, after the event, the number of policyholders mainly motor insurance emningkat drastically.
This is understandable, because time events tarnish Indonesia's face exploded, countless property and motor vehicles are damaged and destroyed. And most of them have not been insured.
Complaints often arise after kerusahaan May 1998 incident in which a lot of people who feel aggrieved by the insurance company, because of damage or loss that is not covered by insurance companies. Because of the damage and losses caused riots and unrest, is still the policy of each company. Now this is motor vehicle insurance coverage can deperluas with clause SRCC (strikes, riots, civil commotions adan).
There are two kinds of motor vehicle insurance coverage that is commonly known, that is comprehensive (combined) or commonly known as all risks and Total Loss Only commonly abbreviated TLO. Comprehensive (all risks) or the combination is the replacement of loss / damage to motor vehicles of any risks other than those excluded by the policy. Eg windshield or headlights broken due to getting hit, tape or stolen wheels and damage other accessories. claim all risks can be done many times during the insured vehicle.
Total Loss Only automatically already part of the assurance All Risks. While the closure of Total Loss Only (TLO) for cases due to severe accidents that cause harm or damage to vehicles over 75% of the total sum insured. loss of the vehicle due to theft included in the guarantee TLO. TLO claim is valid only once, after which the policy is automatically ended.
At prisnsipnya various types of vehicles can be insured. However, each company has its own policy. Some companies provide restrictions on the age of vehicles that can be insured.
In closing assurance all risks, non-standard accessories such as tape, alloy wheels, CD changer and the other is in the car can also be insured as far as goods are stated clearly in the Letter of Request for Coverage of Motor Vehicles (SPPKB).
Out of the above guarantees, TLO all risk and there is some assurance can be added or expanded, such as the Responsibility Law (TJH) against third parties (Third Party Liability / TPL). TJH and TPL is a guarantee given by the insurance company for damage / loss of the other party caused by the insured vehicle. Limit the amount of coverage for TJH can be negotiated.
Then may also be the collateral expansion of the riot and unrest, RSMD (Riots, Strikes, and malicious damage) and SRCC (Strikes, Riots, and Civil commotions). RSMD a replacement guarantee losses caused by a group of people in the disruption of public order. This expansion exclude political turmoil leading to the uprising, revolution or takeover. While SRCC is guaranteed RSMD all dependents plus the additional risk in the form of politically motivated civil unrest (such as the riots in May 1998).
As with all agreements, prior to the signing of insurance coverage should you learn so megentahui various risks that are guaranteed and not guaranteed. Such as, Motor Vehicle Insurance is some risk that a guaranteed form of collision, collision, overturned and skidded off the road. Theft or misconduct of others also includes the guaranteed insurance. Fire or hit by lightning. While the risks of which are not guaranteed or exclusion is intentional loss or damage by the insured or other family members. accidents that occur due to negligence on pengemudia due to alcohol and drugs are also not guaranteed insurance. If the driver does not have a driver's license (letter of driver's license) then the accident happened is not guaranteed and there is more risk of other accidents that can not be guaranteed.
Fire insurance
Perhaps you have heard little future we first where parents do not always mark to play with fire or matchsticks. Words of wisdom are sometimes ignored, and the result is fatal, all the hard work for many years sold edible malignancy fire. All fire accident was not foreseeable. All that may occur. This is now to be considered is how to cope with or overcome these accidents happen so do not make if difficult or destructive to the family that has built up over the years.
With homeless by a fire many people are frustrated despair funds, how can rebuild a house that was burned down by fire? Is not it necessary to rebuild a lot of fund? According sayapemecahan good saving is to insure your home against fire. In Fire Insurance of all kinds of goods can be insured, what is important is the items in the house you have to record or declare in writing in the policy. In the case of loss due to fire, of course, there are reasons that caused him. Various reasons can be replaced or guaranteed insurance. But there is also cause fires that are not guaranteed by the insurance company. Causes of loss and damage which is secured by a fire occurs due to inadvertent or due to the spread of fire to your home. Goods damaged by water used to hold or extinguish the fire also guaranteed coverage.
Obviously when your belongings destroyed by command authorities to tackle the spread of the fire are also covered. However, various damages due to act or intent of the insured is not guaranteed insurance.
Other insurance is Medicare. If you follow our article some time ago, we have discussed in detail with regard to health insurance. Briefly, there are two types of benefits offered by Medicare, the benefits Outpatient and Inpatient Benefits. In terms of premiums, health insurance still relatively expensive.
Insurance House Live and Household Furniture (Houseowners & Household Insurance)
Insurance House Live and Household Furniture (Houseowners & Household Insurance) is another type of general insurance. This type of insurance covers loss due to loss or damage to household items that are in the building location diasurnasikan due to risks, such as fire, prampokan / theft, earthquakes and so forth. This protection can be obtained at a price premium is relatively inexpensive and affordable.
Insurance Burglary (Burglary Insurance)
Insurance Burglary (Burglary Insurance) is an alternative to other types of general insurance products. This type of insurance covers loss insured against goods that are owned and placed on a building is insured as a result of robbery / theft is done by dismantling accompanied by destruction and coercion.
In terms of premiums, the size of the premium to be paid depends on the place or location of the insured, the security provided and the types of insured property. In general, Burglary Insurance premiums ranged from one to two and a half percent (%) of the sum insured.
Those are some examples of different types of general insurance related to the individual or family. Already you ought to consider to have insurance just in case. Do not let unexpected things happen to you and cause damage to the family's financial structure has been built. All decisions rely heavily insured with a variety of short and long-term plan that you and your family have. Hopefully useful and beneficial to you and your family.
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