Kamis, 23 April 2009

Life insurance

Introduction:


When the need to protect valuable property, the facilities to secure the services that make life easier and more accessible, most people believe that they have adequate insurance on the valuable property, but there are very few homes properly insured against fire, theft and damage caused by storms and simply, in the Sometimes, while going through the years, people forget that the level of insurance Guetahm no longer keep pace with changing conditions or the rate of inflation, however, the vast quantity of available insurance programs, it is difficult to know what is most appropriate for them, including determining the level of insurance coverage that meets their needs as we can here to make life easier and more accessible facilities for all customers of Bahrain, we offer you advice and provide clear and useful to you time and gives you the facts you need and whether you want to arrange insurance for the first time, or add more features to your insurance policy or reviewing your current insurance in full, you can get all the advice you need free of charge and without any commitment from your side, in the facilities of the Counseling Center of insurance, which is located in the headquarters of the facilities of Bahrain Isa Town. This report on the various types of insurance for your home and property in addition to a brief presentation of other types of insurance.

Width:


* Life insurance:
That a life insurance provides protection for your family from suffering any financial hardship in addition to psychological suffering in the event of any harm to you, as the document provided to pay the remainder of the loan and document life insurance is a prerequisite in the case of mortgage loans and other secured loans, which constitute a significant financial commitments , where the lender is eager to take care of the interests of his client Kmutirh all clients auto loans and personal loan facilities in Bahrain for the cover of free life insurance for the duration of the loan.




(1) * home insurance:
The aim of the insurance on homes is to provide protection for the installation of the structure of your home against various types of disasters - from the explosion or storm water pipes to fire or collision resulting from one of the vehicles and if you have a real estate loan on your home, you will require adequate insurance coverage.

* Home contents insurance:
That the contents insurance policy provides protection for the household personal property against damage that may cause emergency or fire, theft, always remember that you need to make Guetaik insurance in line with your increasing over the years - the new imaging machine or a piece of precious jewelry, or even furniture can be means all you need to cover only the additional perception of the extent of the damage that can be inflicted on your child or a pet Bothazq new
And inflation can affect the cost of replacement as well, so you should re-evaluate the Guetaik insurance at least every three years, there are two types of insurance manipulated thief is usually at the state Saik for insurance coverage on household effects are compensation cover and replace the cover.

* Fire insurance:
It is essential that the insurance be fully equipped to meet the optimal Baanjatkm although one of the most popular types of insurance protection and widespread is the fire insurance in the following summary of cover:
(1) fire and lightning and an explosion of gas cylinders or boilers.
(2) theft.
(3), wind storms, floods, leakage or overflow of water tanks or water pipes, the collision with the property on the highway and the damage caused by cars or horses or cattle or aircraft
Riots and public disturbances and acts of vandalism (with an additional premium).




(2) * Compensation cover:
This type of insurance does not give you a new instead of the old compensation for your property, but the insurance company repair or replacement of parts damaged or stolen Moreover, the insurance company takes into account the amount of consumption when the insured is compensated in this case, you'll find a large difference between the amount of compensation and the current price for the purchase of an alternative.

* Cover the replacement:
This type of insurance, as its name suggests, gives you a new instead of old and this means that you will receive the full value of the repair, or the current market value for the purchase of stolen or thing, which was completely destroyed and the insurance cover is obtained by clients of the facilities.

* Auto insurance:
By law, all motor vehicles traveling on public roads must be secured by appropriate insurance must also be a certificate of insurance with you always and at all times to provide proof of insurance coverage necessary to ensure the work is not advised to less than the required value, as the insurance companies had refused to settle this type of claims. If, however, obtained a loan to buy a car, you will be required to document and comprehensive insurance, a kind of security to the lender, which is a joint owner with you throughout the duration of the loan.

There are three different types of insurance covers:

* The third party only:
This is the minimum insurance cover is essential and this includes liability cover for all licensed drivers Balsyakp, towards the other person or other persons (and they know the third party) in the event of an accident resulting in a third-party injury or death in addition to the damage to his vehicle and his property does not include cover injuries suffered by the insured person himself, and does not include damage to the private car.



(3) * Third party insurance cover against fire and theft:
This cover extends the basic insurance coverage to include the above-mentioned damage to Bseartk as a result of fire, lightning or explosion, theft or attempted theft, there is usually one of the mandatory restrictions, which means that it requires you pay the first part of any claim.

* Comprehensive Insurance:
This provides cover for more insurance coverage to cover damage to the emergency Bseartk usually involves the theft of personal property from your car, and there may be other benefits such as insurance coverage for medical expenses, insurance coverage for personal accidents to your wife and the availability of some of the more insurance coverage against damage to emergency situations such as young drivers and those with little experience. And this is usually the preferred option for new car insurance, where the expensive replacement of the vehicle in some cases, you can pledge to pay a higher amount for the first part of any claim (a so-called "voluntary as well") which would reduce the reimbursement of the premium.



* Conclusion:


Insurance is essential to its existence must be to ensure that every human being on the property, including his personal life, which includes several aspects, including insurance on the house and its contents from the fire because it is the most important means to preserve life, as well as insurance on the car because they are considered at the present time the means to reach the end .
In conclusion, one must take advantage of the insurance services provided by a country that desperately need to preserve the life of any damage that might be facing.

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