Sunday, March 31, 2019

The Importance Of Vehicle Insurance For You

Means of transport such as cars is a very important thing for those of you who need to conduct various activities to a place far from home.. Especially desperately needed transportation for people living in big cities, such as Jakarta and Bandung. Although the public transportation in Jakarta and Bandung is already getting better, but has a private vehicle is something that you need also support all the ease activity.

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When you have a vehicle, for sure you will keep your vehicle's condition to be worthy and appear primed. One form of care that you can do is through insurance of motor vehicles. This insurance product is any loss or damage to the motor or your car will be guaranteed so that we become calm and comfortable. What is vehicle insurance is so important? Yes! This is the reason.
The reason of the importance of having a vehicle insurance

1. protected from the risk of Theft of the vehicle

The purchase price of the motor vehicle is quite expensive, so surely you would keep your vehicle safe when you take it and remains yours. But accidents can happen to anyone, anytime, and anywhere. Even though it has charge of it in such a way, the risk of theft of the vehicle is always there. So, that you can do to keep your vehicle from the risk of theft is the insurance of the vehicle. If your vehicle is stolen, the insurance will provide some funds that the adjustment is in accordance with the provisions of the insurance.

2. Protect from the risk of damage to a vehicle

Sometimes, even though you've been extremely careful when driving your vehicle, nonetheless could crash, be it small or large accidents. No matter how small the impact that kecelakan, the cost to make it back as they are in need of money who does little. However by the presence of vehicle insurance, those costs will be cheaper than the market price.

3. Help you charge on a third party

In the event of an accident that involves third parties, usually you will the difficulty in dealing with it and need the money to give responsibility to it. You will require a fee for legal and professional. When you have a motor vehicle insurance, insurers who will take over the responsibility of you or Your rider in case of accident. So you don't have to pay top dollar for dizziness and responsible.

How Much The Premiums?
All the benefits of this motor vehicle insurance can you feel as long as you are willing to pay a premium to the insurance. The magnitude of the price of the premium you pay is based on several considerations, namely:

1. The type and price of the vehicle

The first thing to consider before determining the cost of vehicle insurance premiums is the type of your vehicle. This type of vehicle is generally divided into three types, namely the non-vehicle bus and non-truck, bus and truck vehicles, and two-wheeled vehicle. The Division based on the type of vehicle insurance is valid for the Total Loss Only (TLO) and All risk.

After you have finished categorizing the type of vehicle, vehicle prices also into consideration before the cost of Your insurance premiums are determined. The price of the vehicle also categorized into multiple categories. The more expensive the price of your vehicle, the more expensive the premium you have to pay.

2. The coverage Area

After considering the type and price of the vehicle, the area of coverage is the next consideration. The coverage area is divided into 3 parts, namely the region 1 which covers Aceh, North Sumatra, West Sumatra, Riau, Riau, South Sumatra, Bangka-Belitung, Lampung, Bengkulu and Jambi. Region 2 includes Jakarta, Banten, Bandung, Cirebon, Bogor, Karawang, Purwakarta, Subang, Garut, Tasikmalaya, Ciamis, Sumedang and Banjar. As well as region 3 includes the areas that are not covered on the region 1 and 2. This consideration also applies to the TLO products and All Risk.

3. the Age of the vehicle

The last thing into consideration the determination of premium rates is the age of your vehicle at the moment of entry into the insurance. Facilities and insurance rules also vary depending on the respective insurance company. The older the age of your vehicle, usually the price premiums will cost more. As the rules set by the financial services authority (OJK) i.e. There is the addition of 5% per year for each vehicle that was over 5 years old and only applies to All Risk insurance types.


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