The higher the level of community life, especially in urban areas, the demand for car purchases and insurance also increases.
It is not wrong that the car is one of many people's vehicle dreams. This makes cars a very valuable vehicle and should be well maintained. The price is quite expensive, certainly makes everyone do not want the bad thing to happen to the car owned.
Therefore, it is very important to have vehicle insurance on a new car. Unfortunately, not many people know the benefits of new car insurance. This is due to a lack of information about the benefits of insurance in your new car.
It is a fact to know about car insurance
Sometimes insurance acquired when owning a new car, is an insurance offered by an insurance company that has teamed up with a car company. So the car owners do not understand exactly the advantages and benefits of insurance that they have.
Not least that let the car company or car hire to choose an insurance company that will be used as the person in charge of their car. In fact, it is important to carefully understand the insurance for new cars to be used.
If someone has car insurance, then he will get some benefits. The insurance application is now easier because it can be done online.
The first benefit of car insurance, of course, minimizes car owner losses. For example, in the event of an accident that causes minor or heavy damage, the car is lost due to theft, natural disasters, and more. When using this type of insurance all risk, it will provide comprehensive protection for the car.
Some risk insurance providers, such as ACA car insurance, Garda Oto, and Simasnet. "Which is one of the biggest benefits of insurance owners is its status as the insured. With this status, the insurance owner's financial position can return in case of a loss, "he said.
The next benefit is the insurance owner can be quieter because it has a guarantee in case of accidents or other disasters in the car. Have insurance equals to transfer the risk of the car owner to the insurance company that has been selected.
"By paying the premium to the insurance company, the car owner can transfer the risk of car protection guarantee issue to the insurance company of its choice," he explained.
All Risk and TLO
There are two types of insurance that can be chosen by new car owners; All risk or comprehensive insurance and TLO. For all risk or comprehensive insurance, the company will pay claims for all kinds of damages, ranging from mild damage, severely damaged, to loss.
In the case of the example, the car is unwrapped by public transport, minor damage that makes the car less comfortable to be seen. In this case, the claim can be done if the insurance is comprehensive insurance.
As for Total Lost Only Insurance (TLO), it only guarantees the risk due to theft and damage if the cost of repairs is estimated equal to or exceeds 75 percent of the vehicle price shortly before the loss. Total Lost Only Insurance (TLO) is chosen because the premium price is relatively cheaper than all risk insurance. With a low premium fee, you can switch funds available for other needs such as vehicle maintenance costs.
Basically, insurance frees you from the extra cost that should be incurred when there is damage to the car. Imagine if you don't have insurance when the car is damaged, you have to withdraw your personal funds to replace the spare parts.
Car insurance is not only useful for insurance owners and car drivers only. There is also a choice of coverage that can cover the damage of other riders ' cars due to your negligence, so you do not need to panic and dizziness because the damage will be replaced by the insurer.
Vehicle insurance increases
Early in 2018 became a pretty sweet period for the vehicle insurance business. How not, premiums that Diraup insurance companies from this line of business are increasing quite significantly.
The Indonesian General Insurance Association (AAUI) noted that during the first quarter of this year the premium insurance business line reached Rp 4.79 trillion. This amount increased 16.9 percent from the same period in the past year reaching Rp 4.1 trillion.
Executive Director of the Indonesian General Insurance Association (AAUI) Dody AS Dalimunthe believes, in quarter II of this year general insurance performance will increase due to the effect of Ramadan and Lebaran. At the beginning of this year, the vehicle and property insurance business Line became a major contributor to general insurance.
The premium increase obtained from the vehicle insurance line is not separated from the automotive market in early 2018. Unlike the conditions at the beginning of last year where vehicle sales were not too passionate. "So practically the acquisition of premium from vehicle insurance is increasing quite large," he explained.
Car sales in the first quarter of this year recorded reaching 291,912 units. This number increased 2.85 percent from the same period in the year 2017 ago which was as many as 283,819 units.
Another contributing factor is that more and more vehicle insurance players are actively looking for a wider market. Not only utilize cooperation with leasing in marketing vehicle insurance to debtors. This distribution channel has been a mainstay of general insurance in selling these products.
Now, you don't have to think a long time ago to have insurance on a new car. In addition to keeping your assets in high value, you also don't think too much about additional costs when your car gets damaged when things happen to be undesirable. So wait no more? Have insurance on your new car.
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