Tips for Choosing Car Insurance That You Should Know
As we know, that car is one of the assets of
high value. For this reason, if someone owns a car, then the car must be given the best possible
protection or protection. To choose a car protection guarantee
should also not be done
carelessly.
But
unfortunately, there are still many people who don't know how to choose the right car insurance, and even
some people actually underestimate this
. Well, to help you in choosing the best car insurance, here we will
provide tips. Check it out!
Types of Car Insurance
Before we move on
to car insurance tips , then make sure first that you understand
what are the types of car insurance.
There are two types of car
insurance, including Total Loss Only (TLO) and All Risk.
However,
depending on the insurance company, there can also be types of benefits that you can get. The amount of car insurance premiums will
also vary depending on the benefits you receive. But in general, car insurance premiums are calculated from
the range of IDR 50 thousand per month.
Without waiting any longer,
we better just go straight to the
types of car insurance. The types of
car insurance in Indonesia include the following:
1. TLO Car Insurance
This type of TLO or Total Loss Only car insurance will
only provide benefits if there is a loss worth more than 75% of the car price. So, if the price of the car is IDR 200 Million, then the claim can only be made if the loss has reached IDR 150 Million.
For car
insurance premiums, this one is also quite affordable, but of course you
can't apply for compensation if there is
only a beretan.
2. All Risk Car Insurance
As the name implies, this insurance will cover the entire
risk. Even if it is only a slight
blister, it will still be handled g.
However, because the protection is quite
wide, the premium will automatically be much more expensive than TLO,
it can even reach 3 times that.
Is It Better to Be TLO or All Risk Car Insurance?
If you are told
to choose, of course, it all depends on the needs of each person and their respective capacities. So, make sure
that you already know what the
difference between the two products is, in the following:
§ Your needs: Consider whether the city is densely populated? If so
then it is more suitable All Risk. Is ka lian's car old? If so, then lwould be suitable TLO because All
Risk can only cover up to the age of the car 12 years.
§ Budget: Every year, thepremium
must be continuous, so it is also suitable for the budget. If you don't have much budget, at least you can have
TLO first. But if you are qualified, then you can buy All Risk.
Tips For Choosing ASuransi MObil
After knowing
the types of car insurance in Indonesia, then you just need to know the tips for choosing
car insurance. Instead of waiting any longer, we better go to some of
the following tips for choosing car insurance:
1. Choosing the Right Type of Insurance
To choose the
best car insurance, the first tip is
that you must first know which
insurance is suitable for your car, whether All Risk or comprehensive and
TLO.
The age of the vehicle will also affect the availability of insurance
policy options. In general, the All Risk
insurance limit is the age of
the car is 10 years,
while for the TLO type it can reach up to 15 years.
But these rules can vary from insurer to insurance company. Some
offer All Risk insurance with a maximum
vehicle age of 8 years
and TLO insurance with a
maximum age of 12 years.
Actually, these
two insurances are combined to get maximum protection. This is called combination car insurance.
2. Pairing
Harga Prummy with its Layanan
Feature
The benefits you
get are also adjusted to the premium price. So, you don't just choose a cheap one, but first make
sure whether the benefits really meet
your needs.
You can also add
riders or benefits to each insurance policy
if you really need it.
3. Choosing
an Insurance Company with
Trusted Credibility
The next tip for choosing car insurance is to make sure you choose insurance that
has good credibility. One example of yes
can be the financial health of the company.
This can be seen from RBC or Risk Based Capital insurance
companies that have a minimum value of
120 percent so that they can be considered healthy.
You can also see
from the company's reviews because customer ratings
are indeed one of
the easiest indicators to judge a
product.
4. Choosing
Insurance that Has a Workshop with Extensive Associates
The last tip is that you should choose car insurance that
has a repair shop with a large or many partners. With
more workshop partners, the claim
process will become easier. Thus,
your car will be faster to handle.
And those were
some tips for choosing car insurance
that beginners should know. Hope that
helps.
