As a car user, you need an insurance guarantee to provide protection for the vehicle you own . This is a list of the best and most trusted car insurance recommendations in Indonesia.
When you use a motorized vehicle, be it a motorbike or a car, you are required to comply with all the rules set by the authorities.
This is done not without purpose, but so that you are safe from various bad possibilities that can happen to you while driving, such as accidents.
However, it is not uncommon for some people to experience unwanted events even though they have been careful and obeyed every rule.
This happens because there are other parties who do not pay attention to driving regulations or because there is something out of control such as a natural disaster. For that we need protection.
The following is a list of the best car insurance in Indonesia that is most recommended.
As a car user, you need an insurance guarantee to provide protection for the vehicle you own . This is a list of the best and most trusted car insurance recommendations in Indonesia.
When you use a motorized vehicle, be it a motorbike or a car, you are required to comply with all the rules set by the authorities.
This is done not without purpose, but so that you are safe from various bad possibilities that can happen to you while driving, such as accidents.
However, it is not uncommon for some people to experience unwanted events even though they have been careful and obeyed every rule.
This happens because there are other parties who do not pay attention to driving regulations or because there is something out of control such as a natural disaster.
For that we need protection. The following is a list of the best car insurance in Indonesia that is most recommended.
1. Jasaraharja Putera Insurance
Jasaraharja Putera is an insurance company that is well known and bona fide and is one of the best car insurance companies in Indonesia. The company has been around since 1993. Until now, the number of branch offices it has is quite a lot, reaching 27 offices.
This insurance service offers an offer in the form of a premium fee that is quite affordable. In addition, this insurance is also well-known and classified as the cheapest.
Please note, the insurance services offered by this company are not only against the risk of accidents in cars, but also vehicles including buses, planes and trains.
The best services provided are for example P-ASTOR, which is an insurance service for motorized vehicles. There are also two types of accountability, namely TLO and All Risk.
For TLO, liability is given only when the losses suffered are above 75% of the vehicle price or due to theft.
As for the All Risk type of insurance, the liability provided covers all risks of possible losses that can be incurred.
So it is not based on the percentage of losses. Large or small does not cause a difference in dependents. Thus, the guarantee provided is wider than TLO.
2. Sinarmas Car Insurance
The company provides combined damages coverage against various causes, including fire, accidents, criminal acts, lightning strikes, and damage due to transportation.
There are three types of protection provided, namely TPL & All Risk, TLO, and TPL and TLO. The type of TPL protection covers medical expenses, bodily injury and death.
Meanwhile, for this type of TLO protection, the company will provide guarantees in the form of costs to repair or replace the car if the total damage caused is equal to or above the price of the car.
In addition, the insurer also accepts applications for expanding coverage, for example losses due to disasters, accidents, and ambulance costs.
Another advantage that you can get when using Sinarmas car insurance is that you can apply to make online purchases through the official website of the Sinarmas company.
In fact, you can also submit a claim by coming directly to a workshop that has collaborated with the Sinarmas company.
In addition, this company also offers 0% installments for customers who have credit cards at BCA and 24-hour service access for all Simasnet customers.
What is meant by simasnet is the name of the insurance product owned by this company.
3. ACA Otomate Car Insurance
If you choose to use insurance services from ACA Otomate, you can choose the insurance package you want which is equipped with various facilities, such as a replacement car and a tow truck.
In fact, if the customer experiences a total loss on the car he bought just 6 months, he has the right to get a new car replacement.
In addition, when your car is in the workshop for repairs, you can use the replacement car facility first. That way, it won’t be difficult for you to travel when your car needs a long repair time or you need to stay overnight.
If you experience an unpleasant event, for example breaking down in the middle of the road, you can use the mobile claim facility. With this facility, you can get direct claim services made by officers from ACA Otomate where you are.
To buy insurance is quite easy, you can open the official website of ACA Otomate, then fill in the data in the Purchase form. Then you only need to wait until you are contacted by ACA Otomate car insurance.
In addition to the various advantages offered, the company also has weaknesses. Insurance products from this company can only be valid in a number of certain areas, including Jabotabek, Semarang, Sukabumi and Bandung.
4. Allianz MobilKu insurance
Allianz Mobilku provides three types of car insurance packages, including Grand, ECO and Non Packages.
If you choose the Grand package, then you will get the most complete guarantee, in contrast to the ECO package which only provides economical guarantees, that is, according to what is needed. As for Non-Packages, it can be adjusted to your wishes.
Every insurance company has its own advantages, and so does Allianz MobilKu. Here customers can process claims very easily, that is, they can use the SMS service or via the company’s official website.
In fact, you can also carry out monitoring related to the repair process on your vehicle using only SMS. Apart from that, you can also check the status of claims that you have submitted on the web service anytime, anywhere you are.
Another advantage that you can get is that there is an additional 24-hour guarantee for accidents that happen to you with an accountability fund of 100 million rupiah.
Even this advantage can be applied in all countries in the world. That way, no matter where you are, you can still be held accountable.
The insurance also provides an emergency facility called Allianz RodA, which stands for Road Emergency Assistance.
By using this facility, customers can receive assistance when they experience some problems along the way. However, if within 20 minutes the matter has not been resolved, it will be towed.
5. AXA Auto Insurance
This insurance company will provide you with four types of protection, including comprehensive, basic TLO, smart drive comprehensive, and smart drive TLO.
If you choose to get this type of smart drive protection, either comprehensive or TLO, you will get expanded benefits.
This benefit is in the form of insurance against riots, sabotage, natural disasters, strikes and terrorism. In fact, the strike that was meant to be the responsibility of the AXA Auto Insurance company was not only caused by the flood.
The company will still provide compensation for losses caused by lost car keys.
For the method of buying an insurance policy, customers can do it online, namely by visiting the official website of AXA Auto Insurance. You only need to follow each step until the purchase is complete.
This is certainly very easy for customers, because they do not have to come directly.
By using insurance from AXA Auto Insurance, you can get facilities in the form of taxi fees or other transportation, when your car is in the process of being repaired at the garage.
Thus, your daily activities will not be disturbed by problems that occur with your car.
Finding a repair shop when you need to repair a vehicle is also quite easy to do. You only need to open the official website of this company, then click on the button where you can get this information.
You don’t need to worry about having trouble getting it, because now there are many workshops that have collaborated.
6. Garda Oto Car Insurance
Garda Oto is one of the best car insurance companies and excels in service. In fact, when compared to the others, this company can be said to have more value.
This can be seen in insurance services where almost everything can be done using only digital devices, in other words it can be done online.
From the results of a survey by an institution in 2013, Garda Oto was awarded as the best company in Indonesia. That is why until now this company has won high trust from customers.
Even now this insurance has been recognized by the Financial Services Authority (OJK).
This car insurance company has a special application called Garda Oto Care. By using the application, customers can monitor the condition of their car. In addition, they can also process claims and request emergency services.
Thus the service system becomes more practical.
For purchases and payment transactions, you can also do it through the official website of Garda Oto. You only need to fill in complete information related to the required personal data.
In fact, the company often provides attractive benefits for its customers who purchase insurance policies.
7. Insurance Autocillin Auto Insurance
This insurance company is also known as Adira. This company had received an award from the institution as the most favorite general insurance.
Here you don’t only get services related to insurance, but you can get financial services in the form of vehicle loans, both cars and motorcycles.
There is no doubt about the insurance guarantee provided by this company, because when your car is damaged, Adira insurance will provide the best insurance service.
Insurance claims are also quite easy to do, that is, only by using the available features and can be accessed by customers with smartphones.
Features of the services provided by the company are located in various public places and with a vehicle repair service system that can be completed without having to wait long.
Adira’s company can even settle on the day the claim process starts
Thus, you don’t need to worry if in the future you need the car to carry out various activities.
In addition, you can also see firsthand how the insurance company is performing in serving its customers. There are two types of packages to choose from, namely TLO and comprehensive.
8.Mega Mobil Auto Insurance
The Mega Mobil Auto Insurance company has been established since 1956. So it can be said that its work in the insurance sector has been going on for quite a long time.
Thus, the quality of the guarantee provided by this company is no longer in doubt. Actually the insurance provided by this company is not only car insurance, but something broader.
Insurance premiums offered by the company are still affordable and not so expensive. Even so, the services provided are fairly complete and do not make it difficult for customers.
If you use insurance from Mega Mobil Auto Insurance, you can process claims in a variety of circumstances.
Some circumstances that can be a factor in your filing for compensation, namely theft, being mired in an accident, a car on fire, or a collision, whether light or heavy.
if you experience one of these things, then you can process a claim according to the established procedure.
9. Bring in General Auto Insurance
The credibility of this insurance company is no longer in doubt. There are two types of guarantees that you can choose, namely TLO and comprehensive.
In addition, you also still get two types of additional guarantees for motorized vehicles that are damaged and will get extended guarantees.
For this type of TLO guarantee at this company, you can receive compensation if you suffer a loss due to loss of your vehicle or damage whose value is above 75% calculated from the percentage of the vehicle price.
This shows that if the damage that occurs is still relatively mild, then you cannot submit a claim.
As for the type of comprehensive guarantee, you will get a guarantee for the loss you suffer due to various conditions, whether it includes light or heavy types of damage.
Even if your vehicle is lost, you also get compensation from this insurance company.
For those of you who drive a car for daily activities, then you can choose the type of comprehensive insurance. This is because you don’t know what bad things might happen to you when you’re driving a car.
10. ABDA Auto Insurance
ABDA stands for Bina Dana Arta Insurance. This insurance company has been established since 32 years ago. In the course of its business, this company has changed its name 3 times.
ABDA Auto Insurance has received an award as the best insurance company from an award event organized by TOP Brand in 2016, especially for vehicle insurance in the form of cars.
Thus, until now many customers have purchased insurance policies at ABDA Auto Insurance.
The guarantee of protection offered by this company is also almost the same as that offered by other insurance companies, namely in the form of TLO and comprehensive protection types.
In addition, ABDA Auto Insurance also provides facilities in the form of a tow truck that can be used when several things happen to your car, such as a weak battery.
Even if you experience a loss when your vehicle is parked, you will also get compensation from this insurance company. This shows the totality of services provided by ABDA Auto Insurance to customers who have given their trust.
There are various best car insurance companies available, you can choose according to your wishes.
Thus, you can get guarantees for possible losses that can happen suddenly when you are riding a motorized vehicle. At the very least, by joining the insurance program, you have provided protection for the financial sector.