How To Looking for Car Insurance

Car insurance is a protection for your car that is obtained by paying a certain amount of premium . Having insurance means you move the risk to the insurance company so if you experience car damage due to an accident, the cost of repairing your car will be borne by the insurance (depending on the type of insurance you take).

This is of course very important if you live in a city that is mandatory for residents, especially Jakarta, because the number of passing cars is very crowded! We have never expected to be involved in an accident or car accident but whose name is who knows. Car insurance will really help you in this matter.

For those of you who do not understand well about car insurance , I recommend taking the All Risk type car insurance because this type of insurance will cover the cost of repairing the smallest car while the type of Total Lost will only cover if your car is lost or severely damaged up to 75%. Generally All Risk type insurance is definitely more expensive than TLO, this is reasonable because the coverage of protection is also much different.

Premium is a sum of money that must be paid every month as an obligation of the insured for his participation in insurance ( source ). The amount of premium you pay depends on several things:

• type of car insurance (All Risk / TLO)
• the value of the car
• car year
• type of license plate number (ex. Jakarta license plate B)

If you don't want to count the premium manually, enter the details of your car below:

Type of car insurance: All Risk / TLO

In general, each insurance company offers the same two types of protection, namely Comprehensive (All Risk) and Total Lost Only (TLO).
Comprehensive (All Risk) is compensation by an insurance company for the loss of some or all of the car due to a fall in objects , fire, misconduct, theft, seizure, collision, collision or other traffic accident.

Total Lost Only (TLO) is a compensation that will ONLY be given by the company if the car is totally damaged or above 75%. In addition to the two types above, you also need to know the existence of 'expansion'. Expansion is the addition of protection coverage. Extensions include:

• tsunami and earthquake
• flood
• unrest
• terrorism and sabotage

Does this expansion of protection need / not? Depends on For example if you live in Jakarta, you MUST take the expansion of floods and riots because these 2 events occur quite often here. If you don't take the expansion and your car 'goes down the engine' because it's flooded, the insurer will NOT compensate. Now you decide!