Optimization of process of insurance.

To insurance too it is possible to apply such term as optimization. For this purpose before concluding the contract of insurance it is necessary to be defined, that you wish to achieve from the given insurance policy. The purposes can be various. But my supervision over the clients have allowed to formulate an overall objective of insurance – planning of the charges so that to not bear additional losses in unforeseen situations. For example, застраховав the car I should grant the certain sum of money of strictly certain terms for the insurance, but if the car will get in failure, I should not be puzzled about where to take money for repair.

For those who considers, that the insurance policy can protect from all troubles, it would be desirable to give advice – before signing an insurance policy, read through more attentively conditions of the insurance contract and specify, for itself from what PARTICULARLY you will застрахованы. For example, many owners of policies of obligatory insurance of the responsibility of cars wrongly consider, that this policy should repay any damage, put to the master’s car. But if closely to read through хотябы the name of this kind of insurance it becomes clear, that the given policy provides only insurance ОТВЕТСТВЕННОСТИ the owner атомобиля, i.e. covers exclusively the damage put to other persons and their property, but not to itself.

That who buys insurance policies for all occasions, it would be desirable to give other advice – really estimate how much possibly approach of this or that insurance case. For example, whether it is necessary to insure a small house in village in which of all convenience there is only light from failures of plumbing and sanitary. I met also such insurance policy in which the ferro-concrete runway-landing was застрахованна from a fire. To such clients I too recommend to esteem closely conditions and to estimate, how much this or that insurance risk it is necessary for you застраховать.

I even advised some clients to not conclude insurance contracts. For example, the person боиться only thefts of property from the dwelling. To such clients I recommend to see to it about protection of the house (a metal door, protective jalousie on windows, the signal system), in fact will be better, if this property at all will not steal than to wait some months of payment from the insurance company.
Now it is necessary to reflect on a choice of the insurance company. In their Latvia it is totaled about three tens. I shall not speak here about that what insurance company better or worse. All business in concrete workers. But I first of all pay attention to behaviour of the insurance worker during the moment of consultation on the conclusion of the contract. If the insurer already during these moments does not wish to give you due attention and respect if it cannot competently answer your questions where a guarantee of that payment under the insurance you will be qualitatively made (if at all it will be made). It is necessary to take an interest also at the friends who collided with work of this or that insurance company.

Еще time we shall repeat told – having solved застраховать themselves, the имущество:

1. Precisely formulate the purposes
2. Get acquainted with conditions of insurance and define, whether it corresponds to your expectations
3. The good adviser – an attribute of reliability of the insurance company.