13/12/2007
Question 2. Persons requiring insurance is insurance purchased by insurance companies not operating in Vietnam or not? DNBH must be qualified to perform what commitments with customers?
Answer:
- Organizations and individuals with insurance needs are involved in insurance business insurance activities in Vietnam.
- Business insurance must ensure the requirements of finance to implement their commitments for the purchase of insurance. (Article 6 Law BH KD) Guidelines insurance participation is in Decree 45CP 27 months 3, 2007 guiding the implementation of the Law KD insurance (Article 3 of Decree 45 CP) as follows
"1. Organizations and individuals want to business insurance, business insurance, active insurance brokers in Vietnam is the Ministry of Finance license the establishment and operation as stipulated by Law Business insurance .
2. Organizations and individuals with insurance needs with a choice of insurance companies and are only involved in insurance business insurance are allowed to work in Vietnam. No organization or individual is allowed to interfere with illegal choice to business insurance, business insurance brokers buyer's premium "
This is to protect the interests of customers to buy insurance because the insurance companies operating in Vietnam is state management closely, being governed by the laws of Vietnam. If disputes occur, the buyer of insurance may give Vietnam court hearing.
Saturday, May 23, 2009
Conditions and procedures for transfer of coverage between 02 .
57 questions. Conditions and procedures for transfer of coverage between 02 DNBH specified how to ensure the benefits of buying insurance?
Answer:
The transfer from HDBH DNBH to other DNBH must comply with the conditions and procedures to allow KDBH Law. Article 75 Law KDBH stipulated conditions of the transfer HDBH as follows:
"The transfer of insurance contracts are made on the following conditions:
1. Business insurance franchisee business insurance business to be transferred;
2. The rights and obligations under insurance contracts to be transferred does not change until the expiry of the insurance;
3. The transfer of the insurance must be accompanied by the transfer of funds and for services related to all insurance contracts are transferred. "
Article 76 Law KDBH rules of procedure transfer HDBH as follows:
"The transfer of the insurance is done by following procedures:
1. Insurance business transfer contract of insurance must have the proposal to transfer the insurance to send the Ministry of Finance reason, plan transfer, accompanied by the transfer. The transfer of the insurance only be conducted after the Ministry of Finance approved in writing;
2. Within 30 days after the Ministry of Finance approved the transfer of insurance business transfer contract of insurance must be published on the transfer and notify the buyer of insurance in writing. "
Defining the contents and conditions of transfer of such insurance is to guarantee rights and benefit customers buy insurance even in the worst situation occurs.
Answer:
The transfer from HDBH DNBH to other DNBH must comply with the conditions and procedures to allow KDBH Law. Article 75 Law KDBH stipulated conditions of the transfer HDBH as follows:
"The transfer of insurance contracts are made on the following conditions:
1. Business insurance franchisee business insurance business to be transferred;
2. The rights and obligations under insurance contracts to be transferred does not change until the expiry of the insurance;
3. The transfer of the insurance must be accompanied by the transfer of funds and for services related to all insurance contracts are transferred. "
Article 76 Law KDBH rules of procedure transfer HDBH as follows:
"The transfer of the insurance is done by following procedures:
1. Insurance business transfer contract of insurance must have the proposal to transfer the insurance to send the Ministry of Finance reason, plan transfer, accompanied by the transfer. The transfer of the insurance only be conducted after the Ministry of Finance approved in writing;
2. Within 30 days after the Ministry of Finance approved the transfer of insurance business transfer contract of insurance must be published on the transfer and notify the buyer of insurance in writing. "
Defining the contents and conditions of transfer of such insurance is to guarantee rights and benefit customers buy insurance even in the worst situation occurs.
Tuesday, May 12, 2009
Online Car Insurance Tips
The Internet offers many advantages to people when it comes to shopping. One of those areas is buying online car insurance. Let's look at a few tips that we can offer you as well as the benefits of getting your car insurance online.
1. The first thing we talk about is convenience. You can quickly do comparison shopping among several insurance providers to determine where you want to purchase your car insurance. The nice thing is you can do this from the convenience of your own home.
In the past you had to scour the yellow pages, pick up the phone, and start making calls talking agents. Many people did not enjoy this because, if you've ever spent any time on the phone with an insurance agent it's difficult to get off the phone without purchasing from them.
2. Comparison-shopping allows you to determine what online car insurance is best for your situation. Many car insurance providers offer online calculators that allow you to punch in variables in regards to things such as number of drivers, the ages of the drivers, where you live, how many miles you drive to work, and so on.
You can then determine the various deductibles that they offer and come up with what your monthly premium would be. You also know right up front how much money your first payment would have to be and whether there are discounts for paying six months or 12 months in advance.
3. The savings that you can make by dealing directly with the company can be attained by by-passing the middleman, which is the insurance agent themselves. This is not for everybody, however, as some people prefer to have counseling provided to them by an insurance agent. You will have to determine whether you need help or whether purchasing online car insurance is something you can do yourself.
Why Buy Cheap Car Insurance
The key to finding cheap car insurance is to do some comparison shopping and know all of the specifics about your particular situation. Many people are over insured and could get cheap car insurance to provide adequate coverage for them and yet they do not even realize it.
If you have a teenager finding cheap car insurance may be out of the question. You can help yourself by making sure they drive a car that is less expensive to insure. For example, any type of a sports car will jack your rates up because you are allowing a teenager the opportunity to drive recklessly and fast according to an insurance company.
Knowing what the basic requirements are in your state is key to coming up with insurance that is more affordable. If your car is owned outright you may not want to put full coverage on it but just cover it with liability insurance.
Certainly you have to consider the value of the car and what it would cost replace it. And as that goes down the type of insurance should be adjusted accordingly.
You can really help yourself by going to a website that specializes in cheap car insurance. Even if you are bypassing an agent websites that specialize in this type of insurance can offer suggestions to you when you are filling out your online form.
This could include asking such things as when your last ticket was, how long since your last wreck, when was your last claim,, are you a homeowner, and so on. These things can all factor into the price of your cheap car insurance.
If you have a teenager finding cheap car insurance may be out of the question. You can help yourself by making sure they drive a car that is less expensive to insure. For example, any type of a sports car will jack your rates up because you are allowing a teenager the opportunity to drive recklessly and fast according to an insurance company.
Knowing what the basic requirements are in your state is key to coming up with insurance that is more affordable. If your car is owned outright you may not want to put full coverage on it but just cover it with liability insurance.
Certainly you have to consider the value of the car and what it would cost replace it. And as that goes down the type of insurance should be adjusted accordingly.
You can really help yourself by going to a website that specializes in cheap car insurance. Even if you are bypassing an agent websites that specialize in this type of insurance can offer suggestions to you when you are filling out your online form.
This could include asking such things as when your last ticket was, how long since your last wreck, when was your last claim,, are you a homeowner, and so on. These things can all factor into the price of your cheap car insurance.
Tuesday, May 5, 2009
Online Car Insurance Tips
The Internet offers many advantages to people when it comes to shopping. One of those areas is buying online car insurance. Let's look at a few tips that we can offer you as well as the benefits of getting your car insurance online.
1. The first thing we talk about is convenience. You can quickly do comparison shopping among several insurance providers to determine where you want to purchase your car insurance. The nice thing is you can do this from the convenience of your own home.
In the past you had to scour the yellow pages, pick up the phone, and start making calls talking agents. Many people did not enjoy this because, if you've ever spent any time on the phone with an insurance agent it's difficult to get off the phone without purchasing from them.
2. Comparison-shopping allows you to determine what online car insurance is best for your situation. Many car insurance providers offer online calculators that allow you to punch in variables in regards to things such as number of drivers, the ages of the drivers, where you live, how many miles you drive to work, and so on.
You can then determine the various deductibles that they offer and come up with what your monthly premium would be. You also know right up front how much money your first payment would have to be and whether there are discounts for paying six months or 12 months in advance.
3. The savings that you can make by dealing directly with the company can be attained by by-passing the middleman, which is the insurance agent themselves. This is not for everybody, however, as some people prefer to have counseling provided to them by an insurance agent. You will have to determine whether you need help or whether purchasing online car insurance is something you can do yourself.
1. The first thing we talk about is convenience. You can quickly do comparison shopping among several insurance providers to determine where you want to purchase your car insurance. The nice thing is you can do this from the convenience of your own home.
In the past you had to scour the yellow pages, pick up the phone, and start making calls talking agents. Many people did not enjoy this because, if you've ever spent any time on the phone with an insurance agent it's difficult to get off the phone without purchasing from them.
2. Comparison-shopping allows you to determine what online car insurance is best for your situation. Many car insurance providers offer online calculators that allow you to punch in variables in regards to things such as number of drivers, the ages of the drivers, where you live, how many miles you drive to work, and so on.
You can then determine the various deductibles that they offer and come up with what your monthly premium would be. You also know right up front how much money your first payment would have to be and whether there are discounts for paying six months or 12 months in advance.
3. The savings that you can make by dealing directly with the company can be attained by by-passing the middleman, which is the insurance agent themselves. This is not for everybody, however, as some people prefer to have counseling provided to them by an insurance agent. You will have to determine whether you need help or whether purchasing online car insurance is something you can do yourself.
Friday, May 1, 2009
When To Shop Your Auto Insurance
Auto insurance companies can be quite amazing. I say that because they will do almost anything to get your business initially. Many times this includes offering you a rate that is competitive or lower than your currently paying.
So it really isn't the initial policy that you have to worry about.
But what happens when your premium comes up for renewal. Have you noticed increases that are unexplained. If you have not had any tickets, or major changes in your life such as adding a teenage driver or moving to a metropolitan area, then you really need to shop your insurance on an annual basis.
Auto insurance is just protection against what could happen in the future. The sad thing about it is that whenever you have a claim you can almost always expect a rate increase.
So what happens is people tend to not file a claim unless they absolutely must. This leads to them paying their insurance rates and hoping that they're getting the best rate.
With the Internet there's really no excuse for that, as you can compare your current policy against virtually every auto insurance company online. At the very least you should do this at least once a year before your policy updates.
If you don't like the service you're getting that is another reason that you may want to do some shopping. You are a valued customer and should be treated as such.
This is a couple tips on when to shop your auto insurance. The key is that you know what your coverage is now, what you are paying for it, and then take the time to compare that to see what it could be.
So it really isn't the initial policy that you have to worry about.
But what happens when your premium comes up for renewal. Have you noticed increases that are unexplained. If you have not had any tickets, or major changes in your life such as adding a teenage driver or moving to a metropolitan area, then you really need to shop your insurance on an annual basis.
Auto insurance is just protection against what could happen in the future. The sad thing about it is that whenever you have a claim you can almost always expect a rate increase.
So what happens is people tend to not file a claim unless they absolutely must. This leads to them paying their insurance rates and hoping that they're getting the best rate.
With the Internet there's really no excuse for that, as you can compare your current policy against virtually every auto insurance company online. At the very least you should do this at least once a year before your policy updates.
If you don't like the service you're getting that is another reason that you may want to do some shopping. You are a valued customer and should be treated as such.
This is a couple tips on when to shop your auto insurance. The key is that you know what your coverage is now, what you are paying for it, and then take the time to compare that to see what it could be.
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