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Many insurance in vehicle insurance Indonesia specifically one example is insurance protection insurance adira dapt in trust and provide a variety of packages for the convenience of clients who wish to account in adira mebuka Autocillin, and in fact many in Indonesia as asuransu garda oto and adira Autocillin one of them. With our assets in mlindungi Autocillin insurance we get the convenience of our car safety.
Many insurance services such as insurance adira provide the type of vehicle insurance, insurance services before choosing it is good we are looking for profiles of insurance services such as insurance if the insurance adira can believe it or not.
adira asauransi insurance is a trusted by the community. The following types of insurance in insurance Autocillin
Vehicle insurance usually have 2 types, namely All Risk and Total Loss Only (TLO).
All car insurance risk
This type of vehicle insurance to cover all the risks that occur in your car. Of loss, hit, riots, terrorism, missing tires, missing rear view mirror, the car crashed into another person (Third Party Liability – TPL) etc..
Coverage depends on the value of each insurance company. For example, there are companies that provide insurance coverage TPL 5 million per occurrence, there is also giving up to 25 million per occurrence. You have to look at the packages offered. Find the best protection you think.
Car insurance premiums Risk All you have to pay, usually ranging between 2% to 3% of the price of the car. So if your car cost 50 million, you have to pay between 1 to 1.5 million per year.
Car insurance Total Loss Only (TLO)
This type of car insurance to cover a car only if the customer is lost or damaged at least 75% and can not be used again. If the customer’s car accident and damaged his car up to 75%, insurer (insurance company) will pay the customer’s claim.
There is also an insurance company car insurance mempaketkan this type TLO, for example, combined with TPL (Third Party Liability).
Car insurance premiums this type of TLO in the range of 1% of the price of the car, there is less and there are more than 1%.
Well, from the two types of car insurance over, which is right for you? If your car is rarely used, often hanging out in the garage, and occasionally used it, it was not far away, the possibility of matching the type of insurance TLO. But if your car is often out of town, or very active in the city, would be better suited to the types of All Risk insurance. But all of that back to you. If you believe your car will not be cut but may be lost, so take TLO types of insurance.
Oh yes, for insurance losses, there is a risk of Self (Own Risk). What’s that? Risk itself is, as the name implies, the risk that must be at your own risk if it occurs. Simply put, the risk itself is the amount of money you pay when you claim to insurance companies.
Well, still have to pay anyway? Yeah, that’s insurance, unlike life insurance. For car insurance, the amount of own risk of the most common is Rp 100.000, – per occurrence. So if you got hit by a car and entered the shop and repair cost is Rp 10 million, the insurer replaced only USD 9.9 million, the remaining USD 100 thousand you’ll pay. You’re lucky, no need to pay USD 10 million? That is the importance and necessity of insurance. Usually own risk money that you pay directly to the shop where you fix your car.