List of Cheap All Risk Car Insurance 2021
List of Cheap All Risk Car Insurance 2021, Choosing the best car insurance is very important so that you can drive with a comfortable feeling. Plus no one knows when risks on the road can occur which makes us have to spend a lot of money for updates in the workshop. The best car insurance whose benefits can facilitate the cost of car renewal.
In Indonesia, there are several insurance options available. Nach, in this article, Lifepal wants to summarize the best car insurance options for 2021. Read the following explanation!
Is it car insurance?
Car insurance is a type of insurance that gives him protection to the car from damage due to accidents, clashes, invulnerability, or slipping. By having insurance, you can avoid the cost of updates that are quite a lot.
In Indonesia, there have been many insurance companies that sell car insurance products such as ACA Insurance, AIG, Axa Berdikari, Allianz, and others. The owner of the premium that is damaged to the car and covered in premiums lives visiting the insurance relations workshops.
Vehicle insurance in general consists of two types, namely all risk insurance and overall loss only (TLO). The story will be said in detail in the next section.
List of the best car insurance 2021
Here are the best car insurance references of 2021:
Sinarmas
Adira Syariah
Adira Autocillin
Pratama Monument
ACA
STOMACH
Mega Insurance
AXA Independent
Tokio Marine
Allianz
1. Sinarmas best car insurance
Sinarmas offers two insurance options, namely all risk insurance and overall loss only (TLO). For those of you who do not know the inequality between all risk and TLO, you can get the info later below.
Here is a summary of info about Sinarmas insurance.
Premium: Starts from Rp781,660 /year
Relationship workshops: 584 workshops
Claim step: Through the program (1 day)
Optimal car life: 12 years
Special advantage: Free taxi costs along with the car at the workshop
2. Best Car Insurance Adira Syariah
PT Asuransi Adira Dinamika offers sharia all risk insurance as a good insurance option. Here is a summary of info about Adira Syariah insurance.
Premium: Starts from Rp863,940 /year
Relationship workshop: More than 300 workshops
Claim step: Through the program (1 day)
Optimal car life: ten years
Special advantage: Premium returns when there is no claim and has been certified by MUI
3. Best Car Insurance Adira Autocillin
As for conservative options, PT Asuransi Adira Dinamika offers Adira Autocillin all risk insurance as a good car insurance option.
Here’s a summary of info about Adira Autocillin.
Premium: Starts from Rp863,940 /year
Relationship workshop: More than 300 workshops
Claim step: Through the program (1 day)
Optimal car life: 1o years
Special advantages: Free towing and extend stnk
4. Tugu Pratama all risk vehicle insurance
PT Asuransi Tugu Pratama Indonesia Tbk offers all risk insurance for car owners as a good insurance option.
Here is a summary of info about Tugu Pratama insurance.
Premium: Starts from Rp33,000 /month
Relationship workshop: 307 workshops
Claim step: Through the program (1 day)
Optimal car life: 1o years
Can do a claim in a non-relationship workshop by then applying reimbursement to Tugu. However, it should be noted here, this can only be done if there is no tugu insurance relations workshop in the customer’s territory. On another note, the non-relationship workshop is a workshop referenced by Tugu Insurance. That is, not all non-relationship workshops can receive claims with reimbursement mechanisms, except the workshop referenced Tugu. Tugu is also required to do approval first before receiving reimbursement.
5. ACA car insurance
Another all risk insurance as a good car insurance option is prepared by PT Asuransi Central Asia. Here’s a summary of the ACA’s insurance.
Premium: Starts from Rp781,660 /year
Relationship workshop: More than 90 workshops
Claim step: Through the program (1 day)
Optimal car life: seven years
Special advantage: Free alternative car along with the car at the workshop
6. All risk insurance and TLO MAG
PT Asuransi Multi Artha Buat offers all risk insurance and TLO as a good insurance option. Here’s a summary of info about MAG insurance.
Premium: Starts from Rp781,660 /year
Relationship workshops: 534 workshops
Claim step: Through the program (1 day)
Optimal car life: 1o years
Special advantage: Updates in legitimate workshops at no extra cost
7. All risk Mega Insurance
PT Asuransi Umum Mega offers all risk insurance as the best insurance option for riders. Here is a summary of info about Mega Insurance insurance.
Premium: Starts from Rp250,000 /month
Relationship workshops: More than 250 workshops
Claim step: Through the program (1 day)
Optimal car life: ten years
Special advantages: Health benefits and personal accidents
8. Independent AXA vehicle insurance
AXA Independently offers all risk vehicle insurance and TLO with a summary of products such as the following.
Relationship workshop: s/d 350 relations in all of Indonesia.
Claim: without survey.
Benefits: change, renewal, legal liability up to Rp25 million, vehicle key change up to Rp25 million.
Special advantage: new exchange for a six-month optimal age car, free of charge ambulance.
9. Tokio Marine vehicle insurance
PT Asuransi Tokio Marine Indonesia offers all risk vehicle insurance and TLO with benefits such as the following.
Benefits: indemnity damage to the car, tow fare, and ambulance fare.
Additional benefits: the responsibilities of the 3rd faction, self-accidents, natural calamities.
Service: workshop renewal warranty and 24-hour call-center.
10. Allianz vehicle insurance
Allianz have all risk vehicle insurance and TLO with this benefit.
Benefits: compensation for car damage and robbery by the driver, legal liability of the 3rd faction, compensation for death, taxi fares throughout the renewal of the car.
Precarious 24-hour contribution.
Car insurance inequality all risk and TLO
You need to know if there are two types of cheap insurance that can be decided, namely all risk and TLO. What’s the difference between the two?
1. All risk
Just as the name implies, all risk insurance gives him protection for all the risks that hit our car.
All risk mode insurance does not see the percentage of damage felt by the car. Whether small or large, the renewal cost of damages will be guaranteed by the insurance company.
Insurance that is often mentioned comprehensive insurance gives him some collateral expansion, such as cases of flooding, riots, and other protections.
2. Sum Loss Only (TLO)
TLO insurance provided him with collateral when the naturally insured car was lost due to being kidnapped.
Nach, for cheap vehicle insurance, will generally use the overall loss-only type of insurance because there is a certain limit.
Insurance services do not assume if the car is damaged below 75%. Damage above 75% is likened if the damage that occurs makes the car unusable.
Nach, that’s the discussion of the best car insurance reference Lifespan. Do not be reluctant to learn the contents of the insurance policy before we buy!
Guide to choosing the best car insurance
There are ways to determine good insurance for you. In short, here are four of the most important aspects to think about when determining insurance.
Determine the same type of insurance accordingly (all risk or TLO).
Determine with trusted integrity.
Determine the insurance that has a wide relationship workshop.
Compare the premium price of the feature service version.
The virtues of vehicle insurance
Insuring a car as a thing that can be called must be implemented for some owners of 4-wheeled vehicles, especially for new cars.
More provide benefits back if we can get cheap vehicle insurance to be able to save monthly expenses.
But why is it so important to insure our cars?
1. Getting calmer in driving
The risk of bad events can happen anywhere and anytime. There must be a sense of worry in driving, what else if the car is still in a new state. Because there is insurance, surely the anxiety will be extinct.
2. Shoulder a variety of losses starting from damage to loss
Starting from damage to loss, the insurance faction will be responsible for some of the bad things that happen to our cars. So, there is no need to worry and we can continue to drive without the need to think about some unnecessary things.
3. Protect our finances from large expenses
Insurance premiums that we pay every month become a bailout if something bad happens to the car.
Our premiums are calculated cheaper than fixing car damage with their own money.
By paying a premium, therefore our car has been protected for a large expenditure for renewal in the workshop.
4. No need to exit funds not suspect because it has been distributed
Funds are not suspected to be one of the most annoying forms of expenditure because we cannot predict when and how much funds will be spent.
Because there is cheap car insurance, we do not need to worry about losing a lot of money in savings if something happens to our vehicle!
Whenever our car is damaged, we need to drive it to the insurance relations workshop and all kelar is updated without being taken away, except the administrative costs in the workshop which include very cheap.
