Private vehicles or cars are the main choice for travelers to go to their hometowns. However, there are still many who do not understand the benefits of having vehicle insurance before going home. Before that, it is important to know tips on choosing vehicle insurance when going home to make it safer and more comfortable.
Even though it is in great demand because the costs tend to be cheaper, going home by private vehicle has several drawbacks such as the possibility of traffic jams, accidents, or other unforeseen situations. There are many benefits to using vehicle insurance. Some of them are protection for vehicles, drivers, and even passengers.
Currently there are many insurance companies that offer various types of vehicle insurance with various benefits offered. Therefore it is important to know tips on choosing vehicle insurance when going home from the Financial Services Authority (OJK).
Tips for Choosing Vehicle Insurance When Homecoming
Quoted from the Instagram social media account @ojkindonesia, Friday (14/4/2023), here are 5 tips on how to choose vehicle insurance when going home. This is noteworthy for travelers who decide to use a private car when going home.
1. OJK Licensed Insurance Company
The first tip for choosing vehicle insurance when going home is that the insurance company must be licensed by the OJK. This is of course very important so that insurance activities continue to run according to the agreed terms and consumers are not harmed.
2. Have a good service history
It is important to know that the insurance company has a good service history. Make sure the insurance company is trusted by searching for it on the internet and social media to find out the company's track record. Pay attention to every review given by the authors to find out the advantages and disadvantages of insurance companies.
3. Know the type of insurance needed
Tips for choosing vehicle insurance when going home next, namely knowing the type of insurance needed. Travelers must know the condition of the vehicle they are going to ride, starting from the condition of the engine, body, age, and so on.
By understanding these conditions, you will be able to immediately determine the type of insurance needed. However, it is still advisable to choose the type of insurance with complete protection features and premiums as needed.
4. Extensive Network of Partners
Vehicle insurance certainly has a network of partner workshops. This is also a consideration for travelers before choosing an insurance company. Make sure the insurance company has a wide network of workshop partners.
This will make it easier for travelers if at any time they have an accident or damage to parts of the car and have to make repairs. Also make sure to visit an authorized repair shop with a reputation for good performance.
5. Easy Insurance Claim Process
The last tip for choosing vehicle insurance when going home is that the company has an easy insurance claim process. This is of course very important to make it easier for us if at any time unwanted things happen.
Types of Vehicle Insurance
It is known, there are two types of motor vehicle insurance or coverage, namely Comprehensive (All Risk) and Total Loss Only (TLO). More clearly as follows :
Comprehensive (All Risk)
Compehensive (All Risk) is a type of insurance that will pay claims for all types of damage. This type of insurance will pay for all types of vehicle damage, ranging from minor damage to heavy damage and even loss. Comprehensive insurance costs more than other types of insurance.
Total Loss Only (TLO)
Total Loss Only (TLO) insurance is a type of insurance that can be submitted in the event of a total loss. This type of insurance can only be submitted when the vehicle owner loses his personal car.
The total loss in question is when the car is damaged above 75 percent or lost theft or due to confiscation. If the car is damaged below 75 percent, insurance claims cannot be submitted or replaced. Therefore, TLO insurance premiums are lower than Comprehensive.
Vehicle Insurance Benefits
There are so many general vehicle insurance benefits that you will get. Quoted from the Financial Services Authority (OJK) social media account, @ojkindonesia, Friday (14/4/2023) the following are the benefits of vehicle insurance that need to be considered.
Protect from Losses Due to Vehicle Damage
The first benefit of vehicle insurance is to protect travelers from losses due to vehicle damage. The long distance traveled and the length of time spent during homecoming make the vehicle vulnerable to damage.
It is known, there are several car damages that are often encountered during Lebaran holidays such as leaks, brake wear, overheating, and others. By using vehicle insurance, travelers are the same as providing protection for the vehicle and do not need to worry when the car is damaged on the road, because later they only need to bring the vehicle to the nearest service partner and wait for the vehicle to be repaired.
Guarantee the Risk of Losing Vehicles
The risk of losing a vehicle due to theft while going home can happen to anyone. By having car insurance, travelers can provide extra protection if this disaster occurs. The process of submitting claims and reimbursement of protection must be readjusted to the type of insurance chosen.
source : https://akurat.co
