Later on social media often shared video footage of vehicle accidents on the highway. Currently with the loosening of government regulations on restrictions on the mobility of citizens, making the streets again crowded with vehicles that result in the risk of accidents on the highway.
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| More Frequently Traveled, Remember Protection for Vehicles |
One of the protections provided in addition to the safety features of automotive products, insurance protection is also needed. Unfortunately, based on World Bank records, insurance penetration in Indonesia is still relatively low compared to other countries in Southeast Asia. This is also a concern by the Financial Services Authority (OJK) in 2019 showing insurance literacy in Indonesia at only 19.4 percent.
It's certainly alarming. Considering that insurance has many benefits that are newly felt during emergency situations and protect the risk of swollen cost expenditures. Included in vehicle protection.
"Driving safely is mandatory, but by providing additional protection to the vehicle through insurance, vehicle owners can enjoy each trip more calmly," said Head of Communication &Customer Service Management Of Astra Insurance, L. Iwan Pranoto.
For vehicle owners who want to protect their vehicles with insurance, there are some basic tips that can be followed to find the best vehicle insurance.
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First, determine the type of coverage according to the needs. Make sure the type of policy coverage chosen adjusts to the needs, whether comprehensive coverage that guarantees partial losses / damages such as scratches and dents or total losses / damages caused by the risks guaranteed in the policy. There is also a Total Loss Only (TLO) that only guarantees a total loss / damage such as loss or coverage against damage where the estimated cost of repairs must be more than or equal to 75 percent of the price of the vehicle shortly before the loss occurs.
The second tip is to know the risks that are guaranteed. Check the policy carefully, in the policy there are any points that are guaranteed by the insurance and can actively ask the insurance if there are points that are not clear. It is also contained in the provisions of the Indonesian Motor Vehicle Insurance Standard Policy (PSAKBI) article 1. Although there are some risks that are an exception to this vehicle insurance product, but there is no need to worry, for vehicle owners who want to get more protection, can consult and apply for an expansion of the guarantee that can be adjusted to the needs.
The third stage, find out the services provided. Basically people choose insurance to ease the burden of risks that may be faced. It is also very important to know what services can be provided by the insurance in order to drive more calmly. The types of services that can usually be taken into consideration are the availability of contact center services as well as the ease of calling emergency services 24 hours, guarantees from workshops for the replacement of official parts, to the ease of claims process offered.
The next tip, must recognize and find out the reputation of the insurance company to be chosen. Insurance is one of the financial institutions under the supervision of the Financial Services Authority (OJK). Therefore it is important to see that the selected insurance company is already registered with OJK. In addition, vehicle owners can also see the track record of the company by knowing how long the insurance has been built, various reviews that can be seen on social media or related sites, to ask directly the opinions of acquaintances who have used it.
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