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ahmadalfattah@gmail.com (ahmad) — Mon, 08 Feb 2010 06:24:16 PST

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About Esurance

ahmadalfattah@gmail.com (ahmad) — Fri, 08 Jan 2010 19:59:16 PST

Esurance, a subsidiary of White Mountains Insurance Group, Ltd. (NYSE: WTM), provides
personal automobile insurance directly to consumers online and through select online agents. Esurance
intended to continue to improve the way people shop, buy, and manage automated
insurance. By combining the best technology with industry know-how, Esurance can
trouble-free offers coverage with 24 / 7 customer service and claims handling at competitive
prices.
Esurance has distinguished itself from its competitors with an animated ad campaign
cartoon icons featuring secret agent created by the
Esurance and the award winning animation studio, W! LDBRAIN, has gathered attention for
Their unique use Flash animation. no doubt about the costumer service esurance will provide a satisfactory service.

carinsurance

ahmadalfattah@gmail.com (ahmad) — Mon, 23 Nov 2009 02:29:14 PST

Motor insurance or car insurance available in all countries and is mandatory for anyone who drives a vehicle on public roads. Insurance rates vary and so do policies. Car insurance used to protect your car and yourself for any damages caused by accidents, theft and natural disasters. If someone is driving without a valid car insurance, can become dangerous because they will be responsible for repairing the car, which could explain the large bills. On the other hand if you have insurance, automobile insurance companies will give you complete coverage.

Today is very easy to get car insurance there are so many insurance companies that provide various types of car covers. The best way to find car insurance company that's right for yourself is to first find out about all the traders in the market, compare their rates and also look at various types of cover they provide a car. In this way you will be able to find the most competitive prices and maximum insurance cover.

When driving a car on public roads, is obliged to have a valid driver? S license. If the driver? S license has expired, you must get updated. In the case at the time of the accident, you do not have the permission of the insurance company will not cover the accident. In addition, it is considered illegal, it would be better to refrain from this practice. A driver? S license can be obtained at the age of 18 years in most countries.

See how much you can afford for basic automobile insurance and is based on making wise decisions about additional covers that can be added on later. Or, is not required to get additional blankets as soon as you buy a car, you can get it in the future as well. Sometimes, car insurance in various cities in the same area may also vary depending on the number of deaths that occurred in the area.

There are so many companies in the market that provides you with car insurance and sometimes it is a difficult task to choose one particular company. One method that is easier to choose a company is to take recommendations from the previous user, or go with a company authorized by the dealer you buy a car from.

Therefore, before buying a car, think about whether you will behave like a responsible driver or not. As the car is a luxury item and make our lives very comfortable; it should be maintained carefully, and additional law must be respected. So your insurance up to date to protect your loved ones and most importantly yourself. When you travel you must not violate the traffic rules you remember the family waiting at home.

Contribute a better translation

Why Sharia Insurance?

ahmadalfattah@gmail.com (ahmad) — Wed, 11 Nov 2009 18:28:17 PST

Shariah insurance definition according to the National Islamic Council is an attempt to protect each other and helping among a number of people through investment in assets and or tabarru 'which gives the pattern of returns to face the risk / specific hazards through the covenant in accordance with sharia.

Islamic Insurance is a system where the participants / members / participants donate / granting part or all of the contributions that will be used to pay the claim, if the case of natural disasters experienced by some participants / members / participants. The role here was limited to companies managing the insurance operations and investments of dana-dana/kontribusi received / delegated to the company.

Shariah insurance referred to as a means insurance ta'awun please help or mutual help. Therefore we can say that insurance is essentially ta'awun basic principles of the Shari'a are mutually tolerant of fellow human beings to build togetherness in disaster relief experienced by the participants. This principle is in accordance with the Word of God in surah Al Maidah paragraph 2, which means:

"And helping each other in goodness and faith and not helping each other in sin and transgression"

Why Sharia Insurance?

Insurance which has been used by the majority community (non-Islamic) insurance is not known by the predecessors of fiqh among the scholars, for not including a transaction known by the Islamic fiqh, nor from among the friends who discuss the ruling.

Differences of opinion about the insurance due to differences in their knowledge and ijtihad. The reason, among others:

1. In the insurance transaction is jahalah (ignorance) and ghoror (uncertainty), which is not known who will get the profit or loss on the termination of the insurance period.

2. Inside were syubhat riba or usury. This will more clearly in the life insurance, where a person who provides insurance policies to pay a small amount of funds / premiums in the hope of getting more money will be the future, but he might not get it. So in essence this transaction is the exchange of money, and with the addition of the money paid, then this is clearly an element of usury, riba good nasi'ah Fadl and usury.

3. These transactions can lead both parties to the hostilities and disputes when the catastrophe. Where each party trying to transfer the losses to other parties. The dispute could lead to court.

4. Insurance is the kind of gambling, because one party to pay a small fortune to get more wealth by chance or without effort work. In the event of an accident he was entitled to get all the promised treasure, but if not then he will not get any.

Seeing all four of the above, it can be said that the transaction in the insurance as we know, not in accordance with the transaction, known in Islamic jurisprudence. Insurance ta'awunnya Shari'ah principles, can be accepted by the community and developing quite rapidly in recent years.

Islamic insurance in the agreement at the beginning of a clear and transparent with the appropriate aqad sharia, which funds and insurance premiums collected (collectively, the funds tabarru ') will be professionally managed by insurance companies through investment in Sharia-based syar'i with sharia principles .

And in the end all these managed funds (funds tabarru ') will be used to deal with and anticipate the occurrence of accident / disaster / claims that occurred between the participants of insurance. Through Shariah insurance, we prepare ourselves financially while maintaining the principles of transactions in accordance with Islamic fiqh. So there is no doubt for insurance Shari'ah.

(Source: ReInfokus Magazine April 2006)

Excess Cost Car Rental Insurance

ahmadalfattah@gmail.com (ahmad) — Tue, 10 Nov 2009 19:06:33 PST

Most companies require you to pay a huge excess fees, sometimes as much as £ 500 if there is a problem with your vehicle and you need to make a claim.
Excess of this amount depending on the type of insurance you have, such as third party fire and theft or comprehensive insurance policy. It is also influenced by who is driving (ie how long they had been driving and if they are ever to make a claim before) and what kind of car was driven.

Young drivers often have to pay the excess amount large enough liability because of their inexperience. If the excess is £ 500 then you will have to pay the first £ 500 of any claim you make.
However, we do not want our customers to get saddled with a huge bill, especially if they've just taken to the streets, and become our new insurance option allows you to avoid ever have to pay the excess.

Car Hire Excess Insurance

ahmadalfattah@gmail.com (ahmad) — Tue, 10 Nov 2009 19:02:16 PST

This saves customers get more than they bargained for and gives them complete peace of mind. This is especially good for new drivers who had just graduated driving tests and anyone who does not feel one hundred percent sure at the wheel. So, why not take the weight of your mind and sign up today?
Only a small fee before you can buy Optional Excess Insurance. This appears as an optional extra when you book online.

Our insurance options are unique evidence of preoccupation with customer service and allows customers to have as many options as possible. This is also part of the commitment to safety and welfare of all clients when they try to save as much money as possible.

ahmadalfattah@gmail.com (ahmad) — Fri, 25 Sep 2009 21:50:19 PDT

MY FAMILY AND ITS SAY HAPPY IDUL FITRI 1430 H. PLEASE EXCUSE OF BIRTH AND INNER.

nticipation Ready Pemeritah Mudik surge current

ahmadalfattah@gmail.com (ahmad) — Fri, 25 Sep 2009 21:41:42 PDT

Director General of Land Transportation Alimoeso Suroyo Department of Transportation said, his side is ready to anticipate a jump in the number of travelers expected to start going on since Thursday (17 / 9) or H-3.

"We are ready to anticipate the current surge forth for Lebaran this time," said Suroyo told reporters in Jakarta, Wednesday (16 / 9).

Suroyo said it had prepared them better anticipate the availability of public transport or the capacity and physical readiness of drivers and transport them to carry travelers.

Based on national monitoring of observation posts on the main path, though it seemed there was an increase in the flow forth like-Bakauheni Merak, Banten, Sheet-Padangbay, and Ketapang-Gilimanuk, it has not found a jump in a significant number of travelers. So, too, he said, for the monitoring of railway transportation in Senen and Gambir Station, Jakarta.

"On the Bus Terminal Pulo Gadung and Kampung Rambutan bus number that there is more than the number of passengers. There's even a bus that had hung for two days without any passengers," said Suroyo.

Transportation Department data show, in 2008 the peak forth average occurs in H-3. For road transport occurs in H-3 with the amount of 852,168 travelers, ASDP (322,689), railway transportation in H +2 with 183,235 travelers. Meanwhile, sea transport for going home peak flow occurs in H-2 with 72,307 travelers, and air transport occurs in H-4 with the number of 63,312 travelers.

Meanwhile, for the year 2009, the Department of Transportation for road transport predicted peak flow forth will take place at H-3 with 880,289 travelers, ASDP at H-3 with 346,568 travelers, railway transportation in the H-4 with 193,130 travelers, sea transport in H - 5 with 79,538 travelers and air transport in the H-3 with 118,809 travelers.

Suroyo continued, the government was ready if the Lebaran holiday falls on a Sunday (20 / 9).

According to him, monitoring stations are preparing for the anticipated 24 hours in case of the holiday schedule changes.

"When the holiday was on Sunday, then Thursday (17 / 9) is the peak flow forth in the direction of Sumatra or Java first. The second peak is probably due Friday a national holiday falls on that day. In general, nothing has changed if it is promoted Lebaran . The monitoring team we are ready to go to the field if it happens such conditions, "said Suroyo.

ahmadalfattah@gmail.com (ahmad) — Tue, 15 Sep 2009 23:14:48 PDT

The basic concept of Islamic insurance is helping in the goodness and piety (taqwa wat al Birri).

The Word of God in the letter of al-Baqarah 188, 'And do not you take the treasure of you with a false path, and you do not take matters to the judge's property with the intention that you want to eat some property of others by way of sin, but you know . "hadith of the Prophet Muhammad," The believer to another believer like a building to strengthen each other, "and" People who believe in love and affection they like one body. If one member of the body suffers pain, then the whole body feel it. conventional insurance, insurance is the transfer of risk is the risk transfer from participants / insured to the company / person so happen that the transfer of fund transfer from the insured to the insurer. As a consequence it had to move funds ownership, fund participants belong to an insurance company.

Some differences Islamic insurance with conventional insurance, among them are as follows:

Akad (Agreement)

Every business transaction agreement between the parties that it should be clear in law or non-legal way to facilitate the business activities of current and future.Akad the conventional insurance based on the covenant tadabuli or purchase agreement. Conditions of validity of a sale and purchase agreement based on the seller, buyer, price, and the goods traded. Meanwhile, in the agreements adopted in conventional insurance are eligible only the seller, the buyer and the goods traded. As for the price can not be explained in terms of quantity, how much premium to be paid by participating insurance separately to get some insurance money.

Gharar (unclear)

Definition gharar according Syafii Madzhab is nothing hidden that result in our view and because we fear most. In Islamic insurance akad akad tadabuli replaced by takafuli, which is a mutual desire to help fellow participants if there are destined get conventional insurance akad musibah.Pada participant funds into an insurance company (transfer of funds).

Tabarru and Savings

Tabarru derived from yatabarra-tabarraa-tabarrawan, which means donations or charity. Set aside property for the purpose of helping people affected by disasters is highly recommended in Islam, and will get a huge response in the presence of God, as portrayed in the hadith of the Prophet Muhammad, "He who meet the intent brother God will fulfill his business." (Bukhari Muslim and Abu Daud).

Riba

In the case of usury, all conventional insurance invest funds with interest, which means always involved in usury. This is also done so when calculating the participants, conducted by calculating the profit on the front.

Scorched Fund

Injustice that occurs in conventional insurance as a participant for a particular reason had to withdraw before the reversing period. While he has several times had to pay a premium or premiums paid some money. Because of these conditions then the funds paid into the mechanism of sharia hangus.Asuransi knows no funds burnt, because the cash value has been implemented since the early participants in the insurance. For new participants in because one thing after another withdrew the funding / premium previously entered can be taken back except a small portion of funds dniatkan as tabarru funds (funds virtue)

Shariah Supervisory Board

In Islamic insurance operations throughout the activity controlled by the Sharia Supervisory Board (SSB) which is part of the National Islamic Council (DSN), both in terms of company operations, investment and human resources. DPS position in the company oraganisasi structure equivalent to the board of commissioners.

These are some things that distinguishes Islamic insurance with conventional insurance. When viewed from the side of the difference, both from the economic side, kemanuasiaan or syariahnya, the system of Islamic insurance is the best of all the existing insurance system.

Car Insurance Basics

ahmadalfattah@gmail.com (ahmad) — Tue, 08 Sep 2009 19:08:10 PDT

Buying a car insurance policy is like making a
contract between you and an insurance company.
You promise to pay a certain amount of money
on a regular basis. They promise to pay for
specific car-related expenses as long as the policy
is in effect. Before we get into more detail, let’s
define some basic car insurance terms.

PREMIUM
The premium is how much you will be charged
for each type of coverage you choose - basically,
how all this will be charged.

Deductible
A deductible is the amount of money you
Before paying the insurance money kicks in.
Say you return your car into a tree

CLAIM
Your request for a claim to make your insurance
companies asking them to pay damages because of
accident or other damage (such as theft.)

POLICY PERIOD
Your insurance is only valid for
period specified in the policy

EXCLUSIONS
Exclusion is anything NOT covered by the
policy. This is important to know before
involved in an accident.

ahmadalfattah@gmail.com (ahmad) — Tue, 08 Sep 2009 19:14:08 PDT

not until you experience it

Type and Type of Insurance

ahmadalfattah@gmail.com (ahmad) — Sun, 30 Aug 2009 18:14:02 PDT

Basically for motor vehicles there are two types of vehicle insurance is generally used is Total Lost and All Risk. But better to choose which type of insurance suitable for your vehicle then you should understand the types of vehicle insurance that best suits both economically and functionally.

* Total Lost Only (TLO): This means your insurance claim will be granted if the damage has occurred in the total motor vehicles that can not be recovered or exceeded 70% - in this case as if your vehicle stolen or destroyed can not be repaired until as a result of an accident . When you buy new or used car on credit then you've got a car insurance total vehicle leasing Lost from the body you use.

* All Risk: are all risk insurance insurance vehicle insurance will cover all kinds of damage to both major motor vehicle until the damage minor. Users pay insurance claims stayed for a replacement even though the damage to the vehicle only minor damage. But to get a vehicle warranty insurance policy with All types of risk usually be charged higher than the total lost insurance - the cost was charged 3 or 4 permil / year.

Security Guarantee Insurance Your Car

ahmadalfattah@gmail.com (ahmad) — Sun, 30 Aug 2009 18:09:36 PDT

Insurance "is a system for lowering the financial loss by channeling the risk of loss and damage to a person or other entity"
As already known, that with your car diasuransikannya on vehicle insurance agency that is in some ways the security of your car has been borne by the party vehicle insurance. Accountability of insurance covering physical damage to either car or the minor to major with the loss of the car as a whole.

What insurance benefits?

ahmadalfattah@gmail.com (ahmad) — Tue, 11 Aug 2009 22:23:20 PDT

Insurance, known in Indonesia, among others, life insurance, insurance losses, and health insurance. Loss insurance is insurance that protects property and its contents such as a house, apartment, car and others.
Car Insurance intended to protect from various threats that unexpected hazards such as collision, theft of several cars or even the car itself is stolen. With the car with car insurance, we can drive a car with a sense of calm and safe to travel anywhere. so you quickly find the insurance that we can serve with the warm-hearted.

choose car insurance for you

ahmadalfattah@gmail.com (ahmad) — Thu, 30 Jul 2009 18:55:34 PDT

Now more and more insurance products offered by car. Therefore, the principle carefully before buying, it should be applied, so do not regret in the future. Before deciding to select one of the car insurance products offered:

1.
Specify the type of insurance you want. Protection overall (All Risk) to provide protection the most good, but you need to take into account the ekonomisnya.
2.
Do not be glued on the size of the premium to be paid. View company's credibility, especially in terms of services, claims handling and financial ability.
3.
Many insurance companies and a credible bonafid, albeit without support for re-insurance company. But no one find out the track records per

Sharia insurance in london

ahmadalfattah@gmail.com (ahmad) — Sat, 18 Jul 2009 19:33:31 PDT

Islamic insurance company in London menggebrak products based Sharia car insurance. Enthusiastic community directly held. "Many are interested in starting," said Pimblett Kaye, manager of motor vehicle insurance.

During the first seven days, Salam Halal - the name for the insurance service - has said more than 37 thousand comments and questions kostumernya candidates. Salam Halal insurance policies have been launched new vehicles through the site and authorized Moneysupermarket.com own.

New products based on the principle of Takaful, who ask all participants to share insurance risks are balanced. Instead of a premium payment, the people who make arrangements with the insurance Salam Halal pay contributions through angket, and the money saved to invest in Sharia-based.

Funds from central angket that is used to pay claims that arise at any time and at the end of the year when the center of the excess funds, a surplus will be distributed back to policyholders through a discount for payment following the contribution.

However, if the claim exceeds the contribution payments, the shareholders will pay the excess claims and get money back from the reciprocal benefits.

This new product has received warm welcome from the British Muslim who has been waiting for insurance products in accordance with their confidence.

"Salam Halal Car Insurance for me to have a competitive price but the most important, this is in line with our confidence, something which was never there," said Hassan Ahmed, a client

The first Sharia-based insurance in the UK are in fact launched in July and to offer the policy for Muslims, but products for the car insurance service has just opened this year, and the company is also planning to open the home service insurance products shortly.

Ethical use of Halal products are also enthralling non-Muslim. "The principle is to create a unique usung us," said Bradley Brandon-Cross, the executive leadership of Halal Insurance, as quoted by The Independent.

"Having a very transparent process and the opportunity to benefit again, this is very interesting customers, both Muslim and non-Muslim," he said

Emile Abu-shakra, spokesperson from Lloyds Banking said, if the attractiveness of the product into the popularity of the Islamic Financial services.

"Although the Islamic financial market in the UK can be spelled out, but this is still a baby can be big business," said Abu-shakra owner of the Bank which is the initiative of Islamic Finance in the UK.

"We offer services in the Islamic currency, business accounts, funding for home loans and investment credit," the woman supplement. "We started this with only five branches in 2005 but quickly grow into our bank in 2000 next year," said Abu-shakra.

In recent years, London has menahbiskan himself into one of the central point in the Islamic Finance world. There are four certificates Islamic Bank held in the UK, and still the only one in Europe.

Now there are also conventional banks, amounted to 21 institutions, which offer products, Islamic banking services, the latest list of the Gatehouse is just to receive a certificate and license in April last year.