There are many car insurance options that can be used to care for your beloved vehicle. Each insurance product has its own advantages that you can choose according to your needs.
Still confused to choose? The following is a list of the best car insurance options from various leading insurance companies in Indonesia.
List of the best car insurance options in Indonesia
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For owners of four-wheeled vehicles, car insurance is a must-have. With insurance, car owners will not be bothered if minor or major damage occurs.
In fact, some car insurance also offers additional benefits for damage due to unwanted things such as natural disasters or coverage. But not only that, there are distinct advantages between all risk car insurance products and TLO car insurance.
The list below is the best insurance at affordable prices and maximum benefits. Come on, let's find out more.
Tugu Insurance, also known as Tugu Pratama Indonesia, is a car insurance with very affordable premiums. The premium for the Total Loss Only (TLO) insurance policy starts at Rp. 35,000 per month, while for the All Risk insurance policy, it starts at Rp. 175,000 per month.
You don't need to worry about the ease of access to workshops, because Tugu Insurance has 307 partner workshops throughout Indonesia. In fact, not only car insurance, Tugu Pratama Indonesia also has motorcycle insurance and health insurance products.
2. Sinar Mas Car Insurance
Sinar Mas car insurance is often the choice of old car owners. The reason is, this insurance covers the age of the car up to 12 years.
The premiums are also very affordable, starting from IDR 35,000 for TLO insurance and IDR 175,000 per month for All Risk insurance. The insurance managed by PT Asuransi Sinar Mas (ASM) also has 584 partner workshops.
3. ACA insurance
ACA car insurance has more than 400 partner repair shops and offers two policy options, namely TLO and All Risk.
This insurance can be used to cover damage to cars that are up to seven years old. Premiums start from IDR 48 thousand per month for TLO car insurance and IDR 218 thousand for All Risk car insurance.
4. Autocillin Adira
Adira Autocilin Insurance is a car insurance managed by PT Zurich Asuransi Indonesia Tbk (Zurich Insurance). This insurance offers the advantage of 24-hour service for customers who need it.
To get this service, you can pay a premium of IDR 71,000 per month for TLO insurance and IDR 281,000 per month for All Risk insurance services.
5. AXA Mandiri Insurance
AXA Mandiri Insurance which is managed by Mandiri AXA General Insurance (MAGI) also offers affordable premiums for the best service. Premiums start from IDR 45,000 per month for TLO and IDR 194,000 per month for All Risk.
Very affordable, right? With affordable prices, AXA Mandiri provides partners for more than 150 workshops.
6. Simas Insurtech Insurance
Simas Insurtech car insurance is an insurance product from Simas Insurtech which offers three types of policies. These three are TLO insurance policies, All Risk (Comprehensive), and additional benefits (rider) in the form of third party liability insurance (TPL).
With maximum service, insurance premiums for Simar Insurtech can be had starting from IDR 45 thousand per month for a TLO policy and starting from IDR 257 thousand per month for an All Risk policy.
7. Tokio Marine Insurance
Tokio Marine Insurance has two policy options, namely TLO and All Risk insurance policies. Tokio Marine insurance TLO insurance premiums start from just Rp. 36 thousand per month. Meanwhile, All Risk insurance premiums start from IDR 205 thousand per month.
This insurance also provides services in the form of a 24-hour call center that can be contacted when the vehicle owner has an accident and is about to make a claim.
8. ABDA Insurance
This insurance, which is managed by PT Asuransi Bina Dana Arta Tbk, has more than 400 workshop partners throughout Indonesia. premiums start from IDR 65 thousand per month for TLO insurance and IDR 278 thousand per month for All Risk insurance.
The advantage of this insurance is a special 24-hour Road Side Assistance service that can help car owners to change tires, open the door when the key is left in the car, and even order petrol delivery if it runs out of fuel in the middle of a trip.
9. Allianz Insurance
Allianz Car Insurance is under the auspices of the Allianz Group, which has been proven to always provide the best service. This insurance offers two types of policies, TLO and All Risk. Premiums for TLO insurance policies start from IDR 38 thousand per month and IDR 242 thousand per month for All Risk insurance.
10. Sompo Insurance
Sompo car insurance PT Sompo Insurance Indonesia has two policy options, namely TLO and All Risk policies. This insurance already has partners with more than 500 existing workshops throughout Indonesia. The premiums are also affordable, starting from IDR 193 thousand per month for All Risk insurance.
Types of car insurance
In general, there are two types of car insurance to choose from to protect your vehicle from the risk of damage.
The first is Total Loss Only (TLO) insurance, while the second is All Risks insurance or often referred to as comprehensive insurance. All car insurance companies will provide these two options which can be purchased according to the needs of the vehicle owner.
1. All risk car insurance
All Risk Insurance will cover repair costs for all car damage, both light and heavy. Starting from scratches due to being hit by another vehicle to the replacement of components due to severe damage.
All Risk insurance premiums are usually more expensive than TLO insurance premiums because they provide more comprehensive coverage.
2. TLO car insurance
Unlike the All Risk insurance, TLO car insurance only covers damages with a repair fee equal to or more than 75 percent of the car's price at that time and losses due to the car being lost stolen.
This means that minor damage such as abrasions cannot be covered by this insurance. However, TLO car insurance premiums are cheaper compared to All Risk car insurance. So, which one to choose?
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