Auto Insurance Indonesia – The online purchase of vehicle insurance can be the best choice. The following understanding, type, product and advantages of an online kfz insurance.
The development of information technology has very influential to change the faces of different companies. Products that can only be accessed in a conventional way can now be bought online without any problems. One that is positively influenced by the development of this technology is the insurance business.
Auto Insurance Indonesia
Online insurance issues protection products via digital channels. Some types of insurance companies that can be bought online are house insurance, life insurance, health insurance, travel insurance, including travel insurance abroad and car insurance.
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This time it is explained by the online KFZ insurance, starting with understanding, type, purchase and some other information. Come on, see!
The vehicle insurance, both conventional and online in general, is a kind of insurance that offers protection in the form of compensation from the risk of damage, which in vehicles, both of which are badly damaged, only protect bubbles and also from the risk of loss. In addition, there are additional advantages in the form of replacement of damage caused by floods, natural disasters or unrest (unrest).
By registering your vehicle in insurance, the insurance company will cover the car if it is damaged or lost within a certain period of time. If you consider that the car is a tertiary asset that generally has a price that is not cheap, many recommend it to register it for the best car insurance in order to receive benefits if necessary.
Especially now it is easier to do with the online kfz insurance. For this online basis insurance, you can buy it via various online sales channels, from C2C (Customer to Customer) Marketplace, B2C (Business to Customer), which the insurance company can access or other platforms that can be accessed via applications or websites.
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Insurance products themselves are divided into different ways, with each type having a bonus and the advantages of different cover. If you want a list of car insurance, you can know the specifications of each type so that you can choose a product that is really correct with your requirements. Here are the types of online kfz insurance:
Types of total loss only insurance (TLO) only covers serious damage so that the car can no longer be used or if it is lost due to the stolen steel. Damage that can be asserted for this type of insurance is damage with a minimum repair of 75% of the car.
If the damage is only in the form of bubbles in the bumper, broken windshield or other relatively mild damage that you cannot claim, it is only rejected. For the premium, usually worth 0, 44% of the car.
All risk insurance are a more comprehensive type. If your vehicle is registered in this insurance, you will receive compensation for the right to minor to serious damage and also losses due to stolen. Therefore, this type of insurance is considered very suitable to protect new cars, especially if its use is employed on the city’s streets.
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However, the advantages achieved certainly influence the amount of the premium. Compared to the TLO insurance, the premium from all risk insurance is greater, which is around 3, 26% of the car of the car.
Basically, this type is a combination of all risk insurance and TLO. But joint insurance can only be taken out during car loans. When registering this insurance, the car will be borne in an all risk in the first year, while in the following years only TLO.
In addition to the three types of insurance mentioned above, there are also types of expansion car insurance. This expansion guarantee insurance is an additional advantage outside the risk market caused by accidents or lost risk.
Guaranteed expansion with additional premiums that you can choose between guarantees for flood expansion and hurricane, earthquake and tsunamis, unrest (unrest), terrorist attacks, sabotage, legal responsibility of third parties, passenger personal accidents and legal responsibilities against passengers.
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As the name suggests, this type of insurance is specially offered to cover the damage risk caused by a collision. The balance of the car in the value of the car still provides compensation if the vehicle is badly damaged and the costs for repair costs in connection with the car are due to the automotive price.
However, since this insurance is very dependent on the value of the car, make sure that you pay attention to the year of the car exit before registering this insurance. Because as we know, the longer the year is lower. Therefore, this insurance is not very recommended for old car owners.
This type of insurance essentially similarly resembles collision protection, which is an insurance company, which guarantees accidents caused by the driver. The difference is that in addition to ensuring damage to the car, this insurance also bears medicinal bills in connection with the accident.
If you want to buy this type of insurance, you should pay a fee above the minimum amount offered. This can prevent them from receiving additional costs if there are additional costs outside the covered relatives.
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At first glance, this car insurance for life insurance is similar to life insurance, since it offers protection to drivers or vehicle owners and passengers from the risk of death, permanent disability and the maintenance costs caused by accidents. Unfortunately, this type of insurance was not implemented in Indonesia, but is common in industrialized countries in Europe or America.
There are several companies that offer an online KFZ insurance. The best include some of the following online KFZ insurance:
Sinar MAS is a company that has been founded since 1985 and is very familiar by the municipality in order to cover their insurance needs. You also have the best online KFZ insurance with various advantages that are sufficient with cheap premiums. The number of 584 workshop workshops, which are scattered in various regions of Indonesia, is quite old until the age of the car.
If you are looking for a cheap car insurance with trustworthy services, a car insurance from Sinar MAS can be one of the candidates you should take into account. TLO Sinar MAS Premium KFZ insurance begins by RP. 35,000, while for all risk -RP. 175,000 with a maximum age of 12 years.
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Multi Artha Guna (MAG) offers motor vehicle insurance, including online kfz insurance. The TLO bonus starts by IDR 35,000 and the all -risk premium is IDR 193,000. They are also facilitated when accessing services, since the MAG Insurance has a partner workshop of up to 534 workshops. In fact, this insurance also includes protection against repair costs in the official workshop.
Although not the cheapest, but Garda Oto Insurance Company is a big name that was set up in 1995 so that the guarantee granted can trust. The partner workshop from this company is quite much and has scattered up to 500 locations, so you don’t have to feel confused where you can repair vehicle damage.
This insurance also includes additional guarantees for the risk of unrest, earthquakes, floods and others. Another advantage is that the free 24 hours -Nothilfsdiensts such as Crane Car Services, plate tires on the street etc.
The type of TLO insurance from RP begins for the premium fee. 63,000, while the premium for all risk insurance is RP. 215,000. The age of the car that reaches a maximum cover of 10 years.
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The ABDA Automotive Insurance is also not classified as a cheap vehicle insurance, the TLO bonus is coordinated from RP. 68,000 and an all -RP risk. 280,000. However, the price paid is also comparable to its services, including the existence of free emergency aid of 24 hours and the availability of partner workshops of up to 400 locations.
Insurance Central Asia (ACA), which is part of the Salim Group, is one of the best in the vehicle insurance business. The insurance types offered vary and ranges from the types of all risks, TLO and also ACA automation, which are offered in 3 different packages.
Although the cheapest in terms of premiums, but is clearly very complete in terms of service. The insurance money (UP) of this insurance reaches 75 million RP and its protection also includes the risk of flood losses of third parties. In addition, there is a free 24 -hour -Aera and replacement car systems during your car during the repair period.
The premium for TLO in ACA automatic machines begins by RP. 48,000 and RP’s risky premium. 218,000. While a maximum of 7 years for the age of the insured car.
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Set TLO bonuses from RP. 35,000 and all RP risk. The Tugu Pratama Insurance is probably a cheap online KFZ insurance, which is distributed over a fairly wide network of up to 307 partner workshops at various locations. For the age of the insured car, this is a maximum of 10 years. Another additional advantage is the fuel filling voucher at the Pertamina filling station.
AutoCillin insurance from Adira also offers all the risks and a TLO -Online -KFZ insurance with additional services, from the free 24 -hour -era to the application only 1 day to the autocillin garage function, which can complete the repair of light damage on the same day. But a little more expensive for the premium, where TLO of RP begins. 72,000 and the risky premium is RP. 282,000.
Allianz is a big name in the insurance world so that its quality and trust are guaranteed. There are different types of alliance insurance companies for vehicles, from comprehensive types to those who can be adapted to their choice.
The Premium fee from Allianz Mobil is relatively cheap for the ECO package, for example, it is summarized with premium costs from RP. 39,000 per month. Additional services offered are also quite completed, from the free 24 -hour -ära, protection against flood risks and additional guarantees for covering third -party providers.
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Axa Mandiri is also a very fragrant name in the insurance business. In addition to his reputation, it is also known that AXA offers complete services with relatively cheap premium values, starting from RP. 46,000. You can also receive additional services in the form of free cranes plus taxis, responsibility for personal accidents, for the reporting of third -party providers.
In addition, this insurance can cover up to a 15 -year -old car for TLO insurance. As a result, you can also use an AXA KFZ insurance to protect the use of use.
Tokyo Marine is the largest and oldest Japanese insurance company there. They offer trustworthy car insurance with cheap premiums and complete services. Steered with premiums starting
