Still Think Car Insurance Is Trivial? Understand the Benefits First


Having vehicle insurance for some people is still considered less important. They think there is no point in insuring their favorite car. After all, if the car is driven carefully, then the possibility of an accident will not occur. The myth is, how to claim car insurance is difficult, the procedure is complicated until the funds needed are disbursed.

But all of these assumptions are not true, because you must understand that car insurance has many beneficial benefits. Car insurance is not only limited to a means of compensation in the event of an accident, but also as a maintenance investment. Just imagine if you were compensated for every risk that occurred to the car. Of course there is no need to worry anymore to spend a lot of money just to fix it. For example, if your car accidentally crashes into the fence of the house, scuffing the front of the car, you don't need to spend money to repair it because this will be covered by the insurance company.

By having vehicle insurance, all these risks can be minimized because there are so many attractive extensions offered by insurance companies. How to buy car insurance is also getting easier in today's online era, of course, you can buy car insurance through an online system .

How to Buy Car Insurance Online

The main convenience that you can immediately feel from buying insurance online is practical. It doesn't take much time because all processes ranging from transactions, application processes, status updates and checks are carried out online. Of course this will not interfere with your other activities because purchases can be made anywhere and anytime ( real time ).

In addition, you also don't have to bother sending documents needed to register such as KTP, SIM, STNK and others. This is because all documents can be uploaded via the internet. Filling out an insurance application form is also done online. Check out the following reviews for careful tips on buying car insurance online:

1. Comparison of Insurance Products

Everyone will want the best insurance product for their car. If possible, all possible risks are covered by insurance. Therefore, do a comparison between one insurance product with other similar products before buying. You can do this online through a comparison site that offers car insurance.

Pay attention to attractive offers provided by insurance companies to protect your car later. Not all insurance companies offer the same protection. In terms of policies and insurance interest, each company is different.

But keep in mind, it is not that the one that offers the lowest insurance premium means the cheapest, try to pay attention to the cheap insurance policies that are offered whether the insurance provides protection that is in accordance with your wishes. This means whether the insurance provides comprehensive protection or is it only for certain things.

In addition, you can also read testimonials from people who have submitted certain insurance products as references. From there, you can also consider whether the insurance product is what you are looking for.

2. Select the appropriate type of car insurance

Basically there are two types of insurance protection offered, namely All Risk and Total Loss Only (TLO). The difference lies in the type of protection provided. For All Risk insurance, the insurance company will cover all risks and damages to your car. This means that all minor damage, severe to loss can be covered by All Risk insurance.

Unlike All Risk insurance, Total Loss insurance will only cover losses that cause the car to suffer more than 75% damage or the vehicle to experience theft (lost). For minor damages, this type of insurance cannot cover it. However, for premium matters, this type of insurance is cheaper. You must understand this, and determine the type of car insurance that suits your needs.

3. Add Extension of Protection

For those of you who have assumed that insurance is only for protection when the car is damaged due to an accident or lost due to theft, it means that you do not really understand the benefits of insurance. Currently, insurance companies have expanded their type of protection against possible risks, which is known as extended protection

When you buy insurance, you will be given a choice of extending the coverage you want. Later the selected expansion will be added to the car insurance policy and will be included in the insurance premium. The expansion of protection offered by insurance companies includes riots, natural disasters, terrorism, sabotage, bodily injury or death to passengers, passenger liability and third party liability.

What is interesting is the responsibility of third parties. By choosing this expansion, the losses incurred by third parties are also borne by the insurer. For example, if your car was involved in an accident involving another car, it caused losses to the car as well, so you don't have to worry about paying compensation because with this protection the insurance company will cover it.

4. Pay close attention to the Insurance Claim Process

Sometimes the thing that makes people reluctant to buy insurance is the claim process that is considered complicated, even though it is just a figment. As long as you know and don't violate the procedure, your insurance claim process is easy to process. Insurance officers will be happy to assist you in processing claims. Don't be afraid to ask them.

Understand all the information about your auto insurance claim online. Every car insurance product has a clear and informed claim procedure. If something happens to the car, you can immediately report it to the insurance company. Don't procrastinate to report because the time limit for reporting is generally 3 X 24 hours. After that, prepare the required documents, this is not as complicated as estimates because you only need to prepare a SIM, STNK, Insurance Policy, and a certificate from the local police. Don't forget to attach a claim form that must be filled in and signed.

After that, just wait for the process from the insurance company to give the green light to take your car to the nearest partner repair shop. The car will be repaired by the mechanic and the vehicle will be ready to be used again.

Apply Immediately Before It's Too Late

For those of you who already own a car but don't have insurance, apply immediately to get maximum protection. Don't be late because disaster can happen anywhere and anytime. There is no need to be complicated to choose the right vehicle insurance because now there are comparison sites that can be used. The premiums offered are quite cheap and will not burden your monthly expenses. Now, what are you waiting for?

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