Asuransi Kendaraan Indonesia – The presence of a car, especially the car, is the dream of many people in Indonesia. For most people, cars are not only a means of transportation but also symbols of success and convenience. However, due to the increase in the number of vehicles on the road, the risk of accidents, damage or losses is also higher. Therefore, the availability of car insurance is very important to ensure maximum protection from this risk. Indonesia has many types of vehicle insurance that can be selected according to the requirements of vehicle owners. In this article, we will discuss the types of vehicle insurance available in Indonesia as well as the protection provided.
Vehicle insurance is a type of insurance that is intended to save your car from a variety of risks, such as damage caused by accidents, thefts or natural disasters. This insurance, as a rule, is divided into two main types, that is, extensive insurance and insurance of the total loss (TLO).
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Complex insurance, or often insurance, which provides a wide range of protection. Thanks to this policy, your car will be protected from all kinds of damage, from small to large damage. The insurance includes various events such as accidents, theft, destruction, natural disaster (flood, earthquake) due to damage to others.
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The advantage of complex insurance is the general protection. However, the bonus of this insurance is usually higher than the TLO insurance. For those who have a new or high car, complex insurance is the right choice.
Insurance only with normal damage (TO) provides protection for a large or normal damage to the vehicle only. This insurance usually provides compensation if the vehicle is damaged over 75% of the vehicle price or if the vehicle is lost. Although protection is more limited than complex insurance, the insurance premiums that need to be paid for TLO insurance are usually more accessible. TLO insurance is perfect for the owners of vehicles that want to get protection for many adults or low insurance costs.
In addition to complex and TLO insurance, insurance companies have also provided some special vehicle insurance products in Indonesia. These products are usually designed to provide additional protection or more specific protection. For example, there is an insurance that provides protection from engine damage due to the flood, protection insurance against the third party (third party accountability), which includes the protection of the passengers of the vehicle.
For example, the protection of the third party is very important, because if you are involved in accidents that harm others, it can protect you from the cost of compensation. This protection includes medical expenses for the victims and damage to the third -sectional vehicles.
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Some insurance companies also offer consolidated products that include protection not only for vehicles but also for other valuable properties like home. A popular integrated product is a protection of your loved one. This product not only provides protection for your car, but also guarantees protection for home and its content. This is very useful for those who want to protect valuable property in the complex insurance package.
Thanks to this integrated insurance, you can calm down from your most important property – cars and homes – protected from various risks that may arise.
To facilitate you with vehicle insurance and other property, we invite you to download MSIG mobile app. With this statement, you can easily access politics, complaints, and get direct customer service. Thanks to the convenience offered by MSIG Mobile, you can be more calm to protect your favorite cars and at home anytime and anywhere.
The choice of the right insurance of vehicles is an important solution that can protect your investment in the future. In Indonesia, you can select several types of car insurance, such as complex insurance and only total loss (TLO), which provides protection according to your needs and budget. In addition, there is also a combined products like the protection of your beloved home, which provides more full protection of your important property.
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Understanding different types of vehicle insurance, you can make the right decision to save your car from various risks. Before choosing an integrated insurance type, do not forget to always consider factors such as the age, the cost of the vehicle, the cost of the vehicle and the financial situation: the planes have guaranteed damage/damage/damage to the entire vehicles, which directly, conscious, aware, evil, evil, evil, evil, evil, evil, evil, evil, wicked, in the context of the Standard of the Indonesian car.
Only total loss (TLO): Total damage/loss guarantee compensation (damage to repair costs is more than 75% of the vehicle price), which is directly caused by fire trucks, cars, cars, clashes, inverted, anger, anger, stolen, theft, theft or other roads. (Referring to Indonesian Vehicle Insurance standards)
M -NA has a protected car through an insurance policy with the RP’s amount. 151,000,000. When he had an accident, he filed a claim for the accident. After the assessment, the total cost of the loss reached Rs 114,760,000 or the cost of the coating greater than 75%.
If the claim is approved, the insurance company will pay compensation for the loss and contribute to the cost of the insurance company for the insurance company Rs.
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M -NA has a protected car through an insurance policy with the RP’s amount. 151,000,000. In the event of an accident, Shri. A was filed for the accident.
The insurance company sends the partner seminar on M -M -M -M -M -M -M -M -M, which will be evaluated for loss and repair. After the alleged and claimed claims, the cost of car repair is RP. 20,000,000. After the car was repaired, Shri. The fee is charged for the RP. , 000,2 (based on its own risk of repair in seminar for -ATM), which must pay to the insurance company as a risk of risk.
This coating is damaged, damage, car costs and/or legal responsibilities against the third party. It does not guarantee:
This coating does not guarantee loss, loss and/or legal responsibilities for fees and/or fees and/or third party. The Indonesian Association of Automobile Industry (Gaikindo) statistics in the 5th, the car sales in Indonesia have increased by 66, 7% over the previous year.
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The Indonesian General Insurance Association (AAUI) mentioned that the automobile business award was recorded at Rs 11, 17 trillion at the level of the third quarter of the year, or increased by 1, 5%.
Business car line is still the second participant after the real estate insurance business, which is 20.3% of the total premium.
It is especially known that public demands have increased and insurance companies should strengthen the products of the products to remain related to the market requirements, one of the partners of which is the availability of seminar.
Co-founder of LifePal.coo.Y. Benny Fazrai said a lifetime study related to the number of partner seminar is the purpose of becoming a link for the community to get the best protection of their vehicles.
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“The vision and goal of the company is to ensure the transparency and convenience of the community in comparison to the transparency and convenience of the community. Therefore, the results of this study cannot be a guideline to determine the best insurance, where there are many factors that are considered a beginner from protection, cost and selection of others,” Benny explained.
Benny also added that out of the 5 companies companies in the vehicle insurance companies, the highest partner for seminar, research from 5 companies companies. C.
“We are of course happy that the results of internal research show the company’s commitment to cooperate with the best partners.
LifePal.co.It is mentioned that PT Asurasi Jasa Indonesia got first place for most partners, spreading 626 partner seminar in Indonesia.
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The second place is PT Asurasi Multi Arthur Power (610 Partner Seminar), PT Asurasi Sinar Mass (581 partnership), Pt. Asurasi Bina Dana Art (534 Partner Workshop) and Mega PT General Asurani (497 partner Seminar). And this is not a new thing in accordance with the Economic Insurance Site in the UK – Monisuparmarket.com (MS) – every eight people are more concerned about the car than his wife or girlfriend.
On the contrary, yes, for women, as a rule, more loving with the people they have. In addition to the highly suitable product for women, as well as protecting the vessels, this product also provides protection for the risk of damage or damage to personal items such as shoes, bags, glasses, cosmetics, laptops or chambers.
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Making a car should not be negligent! When repairing the car, the result of the loss of vehicle damage is required for everyone. Although many common seminars are alternative to repairing their favorite vehicles, they do not cover people that the official workshop is the best place to repair their vehicles.
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Why is it important to us why we understand this? With the guarantee of OTO A+, the official workshop provides repair of vehicles so that your favorite car can improve better and as much as possible.
Every day, a routine can forget the condition of the vehicle. As a result, the risk of discomfort in driving, such as wind, flat tires/leaks or other, can occur at any time.
Well, there is no event, a guarantee that you can use in sinuses and services with the package is a guarantee that you can use: AKI jumper, spare tire regeneration, blocking fuel, which calms your life.
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