Which insurance company is better?
We all understand that insuring yourself against an accident or an unfortunate set of circumstances is a good, even necessary thing. You can insure not only the car, but also an apartment, property, health or life. What exactly needs to be insured - decides the owner. Selecting an insurance company is a difficult task, unless you have clear recommendations from your friends. What should be guided when choosing and which insurance company is better, we will describe below.
Decide on the list of services
To begin, clearly define which insurance cases are critical for you and what exactly would you like to include in the policy. The fact is that often the insurance company works with programs prepared in advance, which already include everything that, in their opinion, will be needed by everyone. As a result, you can purchase a policy with a whole list of unnecessary items, which will significantly increase its final cost.
Now you need to make sure that the company is able to pay for the insured event.For this, it is worthwhile to find clients of this company and hear at least a couple of reviews. Today it is possible to find out with the help of the network, because almost every player in the insurance market has a website, and reviews of grateful and not-so-good customers can be found on the forums. Almost immediately you decide which insurance company is good and which only makes money. A few tips for those who still can not solve the problem of choice.
- Do not seek to apply only to large and popular companies. People's rating showed that a small, start-up company is trying to create a circle of loyal customers, and therefore it does not delay payments. And the "monsters" often refuse to pay for some very foolish reason.
- Do not rely too much on the official ratings of insurance companies. Often these lists are not compiled by the criteria that are interesting to the average consumer of their services.
- Some people think that it makes no sense to determine which health insurance company is better because it does not provide medical services. However, the choice is still necessary. There are companies that make it possible to pay for additional medical insurance.This option will provide an opportunity to count on qualified service in the best private clinics.
Auto insurance is the most popular service.
Every car owner necessarily thinks about choosing an insurance company. After all, it is not difficult to arrange insurance, but it is simply impossible to receive payment in the event of an accident. Compulsory vehicle insurance has raised auto insurers to the rank of the most requested. But since we are talking about buying a policy that regulates your degree of third-party liability (CTP), it should be understood that the quality of payments is not critical for you. Money or payment for car repairs in the event of an accident will not be received by you, but by the person who suffered through your fault. Therefore, there is no big difference for you which insurance company is better. CTP must be done on time and always have a policy in the car.
But making out Casco should take this choice more seriously. Of course, Casco, because of the high cost of it, few do, but it is very convenient to drive, knowing that the car is insured. It is also important not to pay extra services. It is required to read each item carefully and discard the unnecessary.Some insurance companies in Kasko include the article "damage to the car, due to the attack of wild animals", which causes bewilderment insured.
However, there are mandatory items in the policy. For example, car theft, accident or fire. In any case, you should carefully review the list before paying for insurance. It will be very important to find out how compensation is paid in order to conclude which insurance company is better. Casco is usually formed in a significant amount, so you should not neglect the advice of experienced ones. As you can see, it is difficult to choose a good insurance company. The most important conclusion that we made is that you need to choose a company based on its ability to pay. After all, in fact, this is the main function of insurance - to receive compensation, which will compensate for the damage.