Transportation is an important thing for those of you who have to move to a place far from home. Especially transportation is needed for people who live in big cities, such as in Jakarta. Although public transportation in Jakarta has been getting better, but having a private vehicle is something that is also needed for ease of activity.
When you have a vehicle, surely you will keep the condition of your vehicle to always be good and fit for use. One form of care that you can do is through motor vehicle insurance. This insurance product guarantees any loss or damage to your motor or car. What is this insurance? Yes! Here's why.
Reasons for the Importance of Vehicle Insurance
1. Protect from the Risk of Vehicle Theft
The purchase price of a motor vehicle is not cheap, so of course you will be very safe to keep your vehicle safe and remain yours. But disaster can happen to anyone, anytime, and anywhere. Although it has maintained it in such a way, the risk of vehicle theft is always there. So, all you can do to keep your vehicle from the risk of theft is with vehicle insurance. If your vehicle is stolen, the insurance will provide a number of funds in accordance with the provisions of the insurance.
2. Protect against vehicle damage risk
Sometimes, even though you've been very careful when driving your vehicle, it can still be an accident, be it a small or big accident. No matter how small the impact of the accident, the cost of making it back to how it was requires a lot of money. But with vehicle insurance, the cost will be cheaper than the market price.
3. Help You Take Responsibility for Third Parties
When there is an accident involving a third party, you will usually have difficulty dealing with it and need a lot of money to give responsibility to it. You will need legal and professional fees. When you have motor vehicle insurance, the insurance will take over your or your rider's responsibility in the event of the accident. So you don't have to worry and pay dearly to be responsible.
How Much does the premium cost?
All the benefits of motor vehicle insurance you can feel as long as you want to pay premiums to the insurance. The amount of premium price you pay is based on several considerations, namely:
1. Type and price of vehicle
The first thing to consider before determining the cost of vehicle insurance premiums is the type of vehicle you are. Vehicle types are generally divided into 3 types, namely non-bus and non-truck vehicles, bus and truck vehicles, and two-wheeled vehicles. This division based on vehicle type applies to Total Loss Only (TLO) and All risk insurance products.
After you finish categorizing the type of vehicle, the price of the vehicle is also a consideration before finally the cost of your insurance premium is determined. The price of the vehicle will also be categorized into several categories. The more expensive the price of your vehicle, the more expensive the premium you have to pay.
2. 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 region 1 which includes Nanggroe Aceh Darussalam, North Sumatra, West Sumatra, Riau, Riau Islands, South Sumatra, Bangka-Belitung, Lampung, Bengkulu, and Jambi. Region 2 includes Jakarta, Banten, Bandung, Cirebon, Bogor, Purwakarta, Karawang, Subang, Garut, Tasikmalaya, Sumedang, Ciamis, and Banjar. Region 3 includes areas not covered by areas 1 and 2. This consideration also applies to TLO and All Risk products.
3. Age of the Vehicle
The last thing that is considered the price of premiums is the age of your vehicle when it goes into insurance. The facilities and insurance rules also vary depending on each insurance company. The older your vehicle ages, usually the premium price will be more expensive. As the rules set by the Financial Services Authority (OJK) that there is an increase of 5% per year for every vehicle that is over 5 years old and only applies to all risk insurance types.
Let's Register Your Vehicle Immediately
Maintaining your vehicle is important because it affects the safety of your soul, your finances, as well as others. It would be better if you register your vehicle for vehicle insurance when you just own the vehicle because in addition to cheaper, it will also minimize the losses that may occur to you and your vehicle. Let's register your vehicle immediately so that it is always protected.
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