Owning a car is a dream for everyone. The car that is already owned must of course be maintained in such a way that it can be driven comfortably and safely. Car maintenance must also be considered so that the value of the car does not fall, considering the car is a movable asset that can decrease in value with age. In addition, driving by car is also vulnerable to the risk of accidents that can occur at any time. For that, you need the best car insurance to maintain and protect the car from all kinds of risks and losses.
Basically, car insurance is an insurance product that provides protection that guarantees all types of risks of damage to the car, including minor damage, severe or total loss due to theft.
Currently, there are many insurance companies that offer the best choice of car insurance products and are claimed to be the best. There are many benefits that can be obtained when you follow car insurance. One of them is to avoid losses due to accidents or theft. In addition, car insurance is also useful to cover the cost of repairing a car in case of damage, provide protection or protection in case of loss of a car due to theft, help map and plan finances, give a sense of calm and safety in driving, and help solve if there is an emergency problem in the car.
Of course, to get the benefits of car insurance, you need to pay a premium or monthly fee according to the selected insurance product. The amount of insurance premium depends on the age of the vehicle, condition, vehicle, selected features, as well as what benefits are provided by the insurance company in protecting the car. Of course, the premium costs incurred are much smaller than the losses you will incur if unexpected things happen to the car, such as accidents, damage, or theft.
Broadly speaking, various types of car insurance are divided into 2 types, namely:
TLO (Total Loss Only)
Total loss only car insurance is insurance that provides protection when the car is lost due to theft or damage with a repair value equal to or more than 75% of the price of the vehicle when the damage occurs. If the damage to the car is less than 75% of the total price of the vehicle before the damage occurs, the insurance claim will be rejected.
All Risk
All risk car insurance is insurance that provides full protection and financing when the car suffers major or minor damage. Not only that, the best all risk Car Insurance also provides protection when the car is lost with certain conditions. The cost of all risk insurance premiums is greater than TLO because there are greater benefits and protection.
What are the options available to choose good car insurance as the best protection for your vehicle? Well, for those of you who are looking for the best car insurance in Indonesia both in 2020 and 2021, here is the list that Qoala has summarized for you to choose from. No need to worry about calculating with a car insurance calculator because some of the options below also include the cheapest car insurance options.
1. Best car insurance from Jasaraharja Putera
What is the best car insurance first? Jasaraharja Putera is the best car insurance 2020 which presents JP-ASTOR service products (Motor Vehicle Insurance). JP-ASTOR can guarantee the risks of damage and or loss of the vehicle itself. There are two scopes of liability or protection provided by JP-ASTOR, namely TLO and all risk.
Both have premium costs or car insurance prices that are relatively cheaper so that Jasaraharja Putera’s car insurance is worthy of being one of the best car insurance in 2020 to 2021 in Indonesia. Not only that, its wide coverage in various regions in the country also makes this state-owned social-based insurance (BUMN) the best car insurance in Jakarta, Surabaya, Malang, Bandung, to other regions.
2. Sinar Mas Car Insurance
The next choice of the best and cheap car insurance recommendations falls on Sinar Mas or which is also written as Sinarmas car insurance with its superior product called Simasnet. By having Simasnet insurance, you can claim directly to an authorized workshop if there is damage to the car.
This insurance provides online insurance services that provide guaranteed protection for Combined Insurance products (comprehensive) up to the age of 10 years. Meanwhile, the total Loss only (TLO) guarantee guarantees up to 20 years of car life.
Terms and conditions to be able to buy this insurance product, you need the following documents:
- Copy of KTP / SIM/KITAS
- Photocopy of vehicle registration
- Other documents referring to the type of protection chosen (at the request of the insurer)
After approving the complete documents and submitted to the insurance company, the prospective customer is obliged to pay insurance premiums in order to get protection in accordance with the cost of car insurance and the type of protection agreed upon in the policy. Previously, customers can also request a car insurance simulation in order to get a complete picture of the insurance to be purchased.
3. Asuransi Garda Oto
Garda Oto insurance is also the best car insurance that offers insurance claims through 4 channels, namely Garda mobile Otocare through the application, Garda 24-hour access via telephone, online claims through the website, as well as strategic service units in various shopping centers spread throughout Indonesia.
Garda Oto as a subsidiary of Asuransi Astra Buana provides car insurance services with the best types of all risk to TLO car insurance in 2021, with additional third party liability features, as well as the expansion of riots and natural disasters. In addition, it also provides additional service features in the form of the Garda mobile Otocare application which makes it easy for you to choose the location of the car repair shop and provides vehicle pick-up services to the workshop, repair services throughout the Garda workshop, 24-hour emergency services, 24-hour standby call center, workshop warranty for 6 months, and online policies that are issued within 1 ④ 24 hours.
How to buy car insurance Garda Oto, among others:
- Log in to the web page gardaoto.com
- Fill in the personal and vehicle data and then complete all the required documents
- Select the desired payment method
- Activate the policy by conducting a vehicle survey at the location of the available options
- Electronic Policy (e-policy) will be sent via email a maximum of 1 ❸ 24 hours after the survey is approved
4. Asuransi Allianz Utama Indonesia
For those of you who have Honda, Kia, Daihatsu, Suzuki, and others, you can buy car insurance at Allianz, including for the best Toyota car insurance options. Allianz is an insurance provider that has been recognized by the world. In Indonesia, Allianz has a MobilKu insurance product that provides three comprehensive packages that can be selected according to your needs.
The first best car insurance package is Allianz MobilKu Grand which provides the most complete vehicle protection solution against any damage or theft. There are also Allianz MobilKu ECO products that offer cheaper premium costs, as well as Allianz MobilKu Suka-suka which provides insurance package options in accordance with the wishes of customers.
Some of the features provided by the best vehicle insurance from Allianz include 24-hour emergency assistance, flood protection, 24-hour workshop network, as well as third party legal liability.
5. Best Car Insurance Adira Autocillin
Another best car insurance that you can choose is Adira insurance or Autocillin Auto Insurance. This insurance provides guarantees for cars in the form of comprehensive or total loss only guarantees with different car insurance premium costs according to the type of guarantee chosen.
Autocillin is equipped with the best service features such as Emergency Roadside Assistance which is ready to standby within 24 hours, Autocillin Mobile Claim Application which simplifies the insurance claim process, and Autocillin Mobile Service which provides guaranteed car service services to customers with an easy process.
Each Autocillin insurance product has a different price or premium depending on the product chosen. To apply for insurance purchases, you can come directly to the nearest Adira or do it online only through the Adira web.
Procedures for filing or purchasing Adira car insurance online can be done in the following ways:
- Enter the Adira Web page and Register Login; previously, make sure first
- whether the Login account is active and can be used
- Select the car insurance product (Autocillin) to be purchased
- Enter personal Data (buyer) and data participants/owners of Car Insurance Policy (Autocillin); do not forget to enter the vehicle data
- Upload required documents such as KTP, STNK, and BPKB
- Make sure all data is appropriate and submit
- Adira will contact to inform the amount of premium to be paid and follow up the process of making the policy