When concluding an insurance contract, it is necessary to take a responsible approach to the choice of an insurance company. Now a huge number of companies operate in the market for these services. How to choose the most worthy of them?
Instructions
Step 1
Sometimes the choice in favor of a particular insurance company is very difficult to make. And the main thing here is not to fall for colorful advertising, but to carefully study the conditions offered by this or that company. There are some criteria by which you can make your choice.
Step 2
First, choose the insurance company that has been operating in the insurance market for more than one year. Analysis of the insurance market suggests that in the first five years, most of the newly created insurance firms will go bankrupt. If you are offered a company that is just starting up, think carefully, find out as much as possible about it and its creators.
Step 3
If you do not know which company to contact, ask your friends and colleagues. Surely one of them received insurance payments. Ask in more detail whether there were delays in the timing, whether they received the full amount of due payments. Based on the survey, select a few companies that have received positive feedback.
Step 4
Now compare the services provided by the companies, calculate the level of payments. Please note that some companies are trying to minimize or completely refuse payments and are looking for various reasons for this. Compare the ratio of fees and payments. Keep in mind that too high a payout ratio is not always a generosity of the company. Most likely, this is a calculation error or an attempt to hide possible financial difficulties.
Step 5
Pay attention to the premises of the company, to employees, their work, how they relate to clients. You may have ended up in a firm when it is settling with other visitors. Do not miss the opportunity to see how employees behave with a client in the event of an insured event.
Step 6
Of course, you will not be able to protect yourself one hundred percent in the error-free choice of a company, but it is quite possible to understand and determine for yourself the main criterion by which this or that insurance company suits you.
