What can be insured?
Two-wheeled motor vehicles (motorcycles, scooters and the like) four or more wheeled vehicles (sedans, minibuses, jeeps, trucks) including accessories or additional equipment attached to the vehicle.
Risk anything guaranteed?
In accordance with Indonesian Motor Vehicle Standard Policy issued by the Indonesian Insurance Council, this policy covers loss of or damage to motor vehicles caused among others by:
1 Collision, collision, reverse slip or fall
2. Evil deeds of others
3 Theft includes theft which preceded or accompanied by violence or threats
4 fires caused by lightning strikes
5. Damage during the crossing of vehicles using the ferry managed by the Directorate General of Land Transportation
6 Cost of crane
Motor vehicle insurance policy also ensures risk liability (legal responsibility of the insured to a third party.) Where the third party suffered losses directly caused by motor vehicle insured with the condition has received written approval from . Losses suffered by third parties may include damage to property or personal injury or death. It also includes the risk of liability that is secured court fees or costs help of experts who have been approved in advance by the insurance.
Is there a risk that is not guaranteed?
The risks are not guaranteed mentioned clearly on the policy requirements, among others:
1 Loss of profits for the vehicle can not be used due to accident
2 Losses due to fraud
3 Loss of or damage to additional equipment or non-standard that is not mentioned in the summary of the policy
4 As a result of the evil deeds committed by the insured or insured family
5. Vehicles used to learn to drive or race or carnival, or a crime
6 Overloading
7 The driver did not have a driver's license or violating traffic regulations
8 Goods charge in the vehicle
9 As a result of natural disasters or wars and the like
What factors affect the premium rates?
Based on the type of closure or scope of cover, motor insurance has two types of closures, that is no guarantee or Losses Total Loss Only, and comprehensive warranties.
Total Loss Warranties means if the vehicle is stolen or lost vehicle accident in which the cost of repairs is estimated at least 75 percent of the price of the vehicle.
Comprehensive Assurance almost similar to Total Loss only guarantee no minimum repair cost estimate.
Premiums are generally determined by several factors, including:
1. Selected security type (comprehensive or total loss)
2 Type of vehicle (two wheels, four wheels or more)
3. Vehicle price or coverage
4 The use of vehicles (personal, official or commercial)
How to calculate insurance premiums?
The premium is calculated for one year (12 months) with the formula:
Documents required for claims handling
1 Light Damage:
a. Filling LKKB (Motor Vehicle Accident Report)
b. Copy of policy
c. Copy of vehicle registration
d. Copy of Driver's License
d. Copy of ID card of the insured
For loss due to theft of vehicle components must be equipped with a police certificate
b. Copy of policy
c. Copy of vehicle registration
d. Copy of Driver's License
d. Copy of ID card of the insured
For loss due to theft of vehicle components must be equipped with a police certificate
2 heavy damage (CTL)
a. Filling LKKB (Motor Vehicle Accident Report)
b. Original policy and the original proof of payment of premium
c. The original vehicle registration
d. Copy of Driver's License
e. original reg
f. invoice vehicle
g. Police certificate
h. key contacts
b. Original policy and the original proof of payment of premium
c. The original vehicle registration
d. Copy of Driver's License
e. original reg
f. invoice vehicle
g. Police certificate
h. key contacts
3 Loss of or damage to the total
a. Filling LKKB (Motor Vehicle Accident Report)
b. Original policy and the original proof of payment of premium
c. The original vehicle registration
d. Copy of driver's license
e. Copy of ID card of the insured
f. original reg
g. invoice vehicle
h. Police certificate
i. key contacts
j. letter of subrogation
k. Blocking letter (to lose)
l. Affidavit does not have other insurance
b. Original policy and the original proof of payment of premium
c. The original vehicle registration
d. Copy of driver's license
e. Copy of ID card of the insured
f. original reg
g. invoice vehicle
h. Police certificate
i. key contacts
j. letter of subrogation
k. Blocking letter (to lose)
l. Affidavit does not have other insurance
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