| "Efficiency of claims processing and payment emphasizes another crucial
point to focus on" |
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Financial Ratings Strength
One of the first important criteria to look for is the financial
stability of an insurance company. This is highlighted by the financial
ratings evaluated by an accredited credit rating institution such
as the Malaysian
Rating Corporation Berhad (MARC). An A rating or higher from
MARC is a good indicator of financial strength. Ask the insurance
company (that you may be interested in) for their rating standards. |
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Responsiveness and Availability
Efficiency of claims processing and payment emphasizes another crucial
point to focus on. Learn from other policyholders' experience or
verify with your insurance agent the average claims processing
period. A shorter turn-around is an indication of better service.
Don't just focus on cost alone. A low price is no bargain if an
insurer takes forever to service your claim. Research the insurer's
record for claims service. |
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Flexibility
The large number of insurance companies in the market is an indication
of the competitiveness in the insurance industry. As companies
strive to offer the best deal, some are willing to waive excess
or loading fees of your motor insurance. If you do not want loading
charges, there is always the flexibility of shopping around for
a company that does not impose the load. |
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Value-added benefits
It is critical that your company responds when you are in need of
assistance. This comes in value-added benefits that they may offer
such as free towing services and roadside assistance to their policyholders,
or even special membership privilege/discount cards. Look out these
added advantages as they can be a prove of a good relationship
with your insurer.
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Customer Service
Insurance sales do not just end after you make the initial purchase
of a cover. In turn, a company that strives on its before and after
sales approach is important to maintain good relationships with
the customer. Seek a company with a large network of offices, claims
centers, agencies and helpful employees where they can serve you
wherever and whenever. |
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You will find that Kurnia is the better choice.
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We have a network of 30 branches throughout Malaysia to provide
a level of unsurpassed service. |
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With over 6,500 agents across the country, we have the most
extensive agency networks in the industry, represented in practically
every town to serve personally serve your insurance needs. |
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Certified with ISO 9001:2008, an internationally recognised
quality management system. |
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