Car insurance is a type of insurance that the main focus of protection coverage is the compensation for accidents or loss of the owners of the insurance policy's car. This insurance ensures that the owners of four-wheeled vehicles avoid the impact of accidents or unexpected events that can happen anytime with their vehicles.
If we look at the television news show every day, we will see so many and so high number of accidents involving cars and riders. As a result of this incident, we can make sure that the party that will be responsible is the owner of the car. This then makes the vehicle owner must bear a layered loss that is of course very incriminating him. Starting from the cost of repairing his car, medical costs for his self, the cost of the demands of third-party victims, and so forth. All of that things that make insurance as one of the important investment of future protection for you and your vehicle.
Before deciding to buy insurance for your car, first you need to know the types of car insurance that we will describe below.
Car insurance is reviewed in terms of the coverage of the damages can be differentiated into two, namely car insurance All Risk (comprehensive or complete combined) and car insurance Total Loss Only or often abbreviated as TLO.
This type of car insurance will give you the protection of all types of accidents or loss, be it on a small or large scale. If you need very complete protection, then this type of insurance is perfect for you and your vehicle. Because, as small as accidents and damage to your vehicle, it will be the dependents of your car insurance company. It is certainly comparable to the price of the quote which is quite high than other types of insurance or Total Loss Only. In addition, this type of insurance coverage is also equipped with an expanded offer of compensation coverage that makes it very complete covering for all your insurance needs.
What is the premium paid on all risk car insurance? If you choose all risk insurance, you will pay an average insurance premium of 1%-5% of your vehicle price. This means that if your vehicle's new price is 250 million IDR and your premium amount is 4% of the price of your vehicle, then the insurance premium is all Risk 4/100 x 250 million = 10 million IDR per year.
A premium range of 1%-4% is determined by the coverage, number of registered drivers, and other matters, including the type of your vehicle.
This insurance type is highly recommended to you that belong to one of the categories below, namely:
This type of car insurance will give you a guarantee of compensation if your vehicle has an accident resulting in damage with the price of the repairs reaching 75% or more of the price of your vehicle. In other words, even if your vehicle has an accident, but the cost of the improvement does not reach the number 75% of your vehicle price, then your insurance company will not compensate. Besides providing collateral for damages that reach 75% of your car's price, this type of car insurance also provides compensation if your car is lost due to theft as in the car insurance type all risk above.
About the price, TLO Insurance has a premium that is cheaper than all risk, which is an average of 0.2% to 0.8% per year, calculated from the new price of your vehicle.
TLO insurance is perfect for those of you who only use the car privately, just to leave for work to the office. This is because the risk of accidents are very small because the use of your vehicle is very little, office hours only. Although beyond that, you can still use your vehicle to travel elsewhere near and not too far around you, such as the market, the mini market, picking up the children in the area, holidays to nearby places, etc.
ACA stands for Asuransi Central Asia (Central Asia Insurance), this is because ACA insurance is a car insurance service that is under the auspices of PT. Insurance Central Asia under the supervision of the OJK (Financial Services Authority).
In ACA insurance, there are very many risks guaranteed in its insurance policy, namely:
If you are interested to know more about ACA insurance, you can contact the 24 hour service at (021) 31 999 100 or with Whatsapp at + 62 878 8080 3232, or can also contact its head office number (021) 5699 8288. You can also access the official website at www.aca.co.id.
You can access ACA insurance if you live in the following areas:
Jakarta Bintaro, Casablanca, Cikini, Jatinegara, KCK BAngka, KCU Duta Merlin, Kelapa Gading, LAtumeten, Pondok Indah, Puri Indah, flagpole.
Outside Jakarta; Balikpapan, Bandar Lampung, Bandung, Banjarmasin, Bangka Belitung, Batam, Bekasi, Bogor, Cirebon, Denpasar, Jambi, Jember, Karawang, Kupang, Makasar, Malang, Manado, Medan, Padang, Palembang, Pontianak, Purwokerto, Samarinda, Semarang, Solo, Sukabumi, Surabaya, Tangerang, Tegal, and Yogyakarta.
Banda Aceh, Bengkulu, Bukittinggi, Cianjur, Garut, Kediri, Kendari, Ketapang, the range, Kudus, Mataram, Madiun, Medan Serdang, Palu, Pekalongan, Pematangsiantar, Probolinggo, Sampit, Serang, SERpong, Singkawang, Sorong, Tanjung Pandan, Tarakan, Tanjung Pinang, and Tasikmalaya.
This insurance also provides two types of automobile insurance as discussed above, namely the comprehensive and TLO.
In the insurance policy, the Garda oto provides a guarantee of the following risks:
In passing, the risk guarantee provided by the garda oto is not much different from the risk service guaranteed by the above ACA insurance, it shows that both are heavy rivals in the Indonesian insurance market.
In terms of the guarantees expansions, the garda oto provides a warranty expansion service to protect your vehicle from damages, that damage cover are caused by earthquakes, tsunamis, volcanic eruptions, floods, typhoons, storms, landslides, Commotion, terrorism and sabotage, driver and passenger accident guarantees, and responsibilities to third parties.
It also provides the following additional service features including:
If you would like to know more about the full-guard insurance, please access their website at gardaoto.com.
This insurance provides three product options for car insurance, namely:
This package provides protection in the event:
This package provides the same protection as the previous package (Mobilku Eco), only the point of difference is:
The guarantee of protection in this package is similar to the previous two packages, especially the Grand car package, which distinguishes in this package is a maximum ambulance cost benefit up to 2 million IDR if the police owner had an accident.
Allianz also provides additional services for its holders, namely improvements in the workshops of its colleagues and also in the official workshops of each vehicle.
If you are interested in their products and services, you can contact Allianz Care via 1500136 or visit the website directly at www.allianz.co.id.
If we look at the television news show every day, we will see so many and so high number of accidents involving cars and riders. As a result of this incident, we can make sure that the party that will be responsible is the owner of the car. This then makes the vehicle owner must bear a layered loss that is of course very incriminating him. Starting from the cost of repairing his car, medical costs for his self, the cost of the demands of third-party victims, and so forth. All of that things that make insurance as one of the important investment of future protection for you and your vehicle.
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Before deciding to buy insurance for your car, first you need to know the types of car insurance that we will describe below.
Car insurance is reviewed in terms of the coverage of the damages can be differentiated into two, namely car insurance All Risk (comprehensive or complete combined) and car insurance Total Loss Only or often abbreviated as TLO.
- 1. All Risk Car Insurance
This type of car insurance will give you the protection of all types of accidents or loss, be it on a small or large scale. If you need very complete protection, then this type of insurance is perfect for you and your vehicle. Because, as small as accidents and damage to your vehicle, it will be the dependents of your car insurance company. It is certainly comparable to the price of the quote which is quite high than other types of insurance or Total Loss Only. In addition, this type of insurance coverage is also equipped with an expanded offer of compensation coverage that makes it very complete covering for all your insurance needs.
What is the premium paid on all risk car insurance? If you choose all risk insurance, you will pay an average insurance premium of 1%-5% of your vehicle price. This means that if your vehicle's new price is 250 million IDR and your premium amount is 4% of the price of your vehicle, then the insurance premium is all Risk 4/100 x 250 million = 10 million IDR per year.
A premium range of 1%-4% is determined by the coverage, number of registered drivers, and other matters, including the type of your vehicle.
This insurance type is highly recommended to you that belong to one of the categories below, namely:
- always use a car to travel far away on new places; This is because the farther mileage you spend with your vehicle, the greater risk of accidents you will encounter. Similarly, with new places you go, sometimes you don't know the situation until the risk of losing a vehicle is huge. The profession which is included in this case is the owner of the company in a distant place, the project contractor, the cars used for the rental business, the car used in the logistics business of freight goods, the cars used to Transporting heavy equipment, etc.
- always use cars alternately with other family members, especially your wife and teenage children; We must admit together that in a family, cars are often used interchangeably between a single family member and other family members, especially children and wives. If this is also the case in your family, then all risk car insurance is the most suitable type for you. The reason is there are other drivers than you who use your car, it further enlarges the risk of accidents and damage, scratched, hit on the wall until your car is scratched and the glass is broken, and things The bigger the potential.
- Living in disaster prone areas and theft; If around the region where you live always happen some natural disasters like floods, landslides, and earthquakes, then the option of insurance all risk will guarantee compensation for the various events that you experience, but this requires an expansion of Your insurance loss scope. Similarly to areas prone to theft such as in big cities even remote areas, if you buy an all risk car insurance policy, then you will be quiet to against the situation around you.
- 2. Car insurance Total Loss Only
This type of car insurance will give you a guarantee of compensation if your vehicle has an accident resulting in damage with the price of the repairs reaching 75% or more of the price of your vehicle. In other words, even if your vehicle has an accident, but the cost of the improvement does not reach the number 75% of your vehicle price, then your insurance company will not compensate. Besides providing collateral for damages that reach 75% of your car's price, this type of car insurance also provides compensation if your car is lost due to theft as in the car insurance type all risk above.
About the price, TLO Insurance has a premium that is cheaper than all risk, which is an average of 0.2% to 0.8% per year, calculated from the new price of your vehicle.
TLO insurance is perfect for those of you who only use the car privately, just to leave for work to the office. This is because the risk of accidents are very small because the use of your vehicle is very little, office hours only. Although beyond that, you can still use your vehicle to travel elsewhere near and not too far around you, such as the market, the mini market, picking up the children in the area, holidays to nearby places, etc.
Best Car Insurance Companies 2020
Next, for those of you who are in car insurance search, here we provide a list of the best car insurance in Indonesia 2020 in Bolano Insurance Information version, these companies are as follows:- 1. ACA Insurance
ACA stands for Asuransi Central Asia (Central Asia Insurance), this is because ACA insurance is a car insurance service that is under the auspices of PT. Insurance Central Asia under the supervision of the OJK (Financial Services Authority).
In ACA insurance, there are very many risks guaranteed in its insurance policy, namely:
- Accident; In this case, it includes collisions, upside down, slipping, or even mired.
- Loss or damage resulting from evil deeds of people;
- Theft (with violence or not);
- Fire; In this case include burning due to other objects being burned, lightning strikes, damage due to materials used to extinguish the vehicle when burned, such as sand, and others.
- Loss or damage when crossing by ship; For example, when homecoming, crossing to work outside the island, etc.
- Legal responsibility to third parties; This includes indemnification of third party losses whether in the form of property damage, or medical treatment costs for body. injury or death. This liability also covers the cost of the case or fees for lawyers if the incident is delegated to the court.
If you are interested to know more about ACA insurance, you can contact the 24 hour service at (021) 31 999 100 or with Whatsapp at + 62 878 8080 3232, or can also contact its head office number (021) 5699 8288. You can also access the official website at www.aca.co.id.
- Which areas does ACA insurance reach?
You can access ACA insurance if you live in the following areas:
Jakarta Bintaro, Casablanca, Cikini, Jatinegara, KCK BAngka, KCU Duta Merlin, Kelapa Gading, LAtumeten, Pondok Indah, Puri Indah, flagpole.
Outside Jakarta; Balikpapan, Bandar Lampung, Bandung, Banjarmasin, Bangka Belitung, Batam, Bekasi, Bogor, Cirebon, Denpasar, Jambi, Jember, Karawang, Kupang, Makasar, Malang, Manado, Medan, Padang, Palembang, Pontianak, Purwokerto, Samarinda, Semarang, Solo, Sukabumi, Surabaya, Tangerang, Tegal, and Yogyakarta.
Banda Aceh, Bengkulu, Bukittinggi, Cianjur, Garut, Kediri, Kendari, Ketapang, the range, Kudus, Mataram, Madiun, Medan Serdang, Palu, Pekalongan, Pematangsiantar, Probolinggo, Sampit, Serang, SERpong, Singkawang, Sorong, Tanjung Pandan, Tarakan, Tanjung Pinang, and Tasikmalaya.
- 2. Garda Oto Insurance
This insurance also provides two types of automobile insurance as discussed above, namely the comprehensive and TLO.
In the insurance policy, the Garda oto provides a guarantee of the following risks:
- Accident; The scope is collision, clash, upside down, slip, evil deeds of people, theft, fire, and also accidents when crossing the ship.
In passing, the risk guarantee provided by the garda oto is not much different from the risk service guaranteed by the above ACA insurance, it shows that both are heavy rivals in the Indonesian insurance market.
In terms of the guarantees expansions, the garda oto provides a warranty expansion service to protect your vehicle from damages, that damage cover are caused by earthquakes, tsunamis, volcanic eruptions, floods, typhoons, storms, landslides, Commotion, terrorism and sabotage, driver and passenger accident guarantees, and responsibilities to third parties.
It also provides the following additional service features including:
- Repair throughout the network workshop bibs OTO (for all risk only)
- 24 hours call Center service via 1500112
- Home Survey Claim and Pickup Delivery Service (PDS) for areas of Jakarta, Bandung, Bogor, and Surabaya
- 24 Hour EMERGENCY ROAD ASSITANCE (ERA) service; is a service that will be ready to help you in times of emergency in the streets, such as tires leaked, car doors locked from the inside, broke down, until the evacuation of accidents.
If you would like to know more about the full-guard insurance, please access their website at gardaoto.com.
- 3. Allianz Car Insurance
This insurance provides three product options for car insurance, namely:
- MObilku Eco
This package provides protection in the event:
- Damage with the cost of repairs 75% or more of the price of the vehicle, or loss due to theft that caused the car is not found in 2 months.
- Damage caused by collision, impact, upside down, slipping, mired, evil deeds, theft, and fire.
- Damage from natural disasters, typhoons, storms, hail, floods, puddles, landslides, water ingress into the engine block through a vehicle air filter.
- Damage caused by strikes, riots, and chaos.
- Third party legal liability (victims in accidents)
- Compensation for the driver's self-accident and passengers.
- Healing costs of the driver and passengers.
- Direct compensation of a maximum of one million IDR/rupiah in 1 policy period.
- Protection options include:
- Lost vehicle due to theft by driver
- Theft of vehicles by parking attendant
- Compensation for injury or death maximum 100 million IDR for 7 days, 24 hours, around the world.
- Mobilku Grand
This package provides the same protection as the previous package (Mobilku Eco), only the point of difference is:
- The cost of liability for a third party is greater;
- Damages for loss or damage to personal property other than gold and other jewellery, which are stored in the vehicle when the theft event occurs.
- The benefit of taxi costs 100 thousand IDR per day for 5 days.
- Non Package Car
The guarantee of protection in this package is similar to the previous two packages, especially the Grand car package, which distinguishes in this package is a maximum ambulance cost benefit up to 2 million IDR if the police owner had an accident.
Allianz also provides additional services for its holders, namely improvements in the workshops of its colleagues and also in the official workshops of each vehicle.
If you are interested in their products and services, you can contact Allianz Care via 1500136 or visit the website directly at www.allianz.co.id.
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