So you don't make the wrong choice, get to know the types of car insurance and their benefits

There are at least five types of car insurance that you can choose according to your needs. Find out the different types of car insurance and their benefits below!

Car insurance is something that every four-wheeled vehicle owner must have. Why is that? The reason is because it is not uncommon for four-wheeled vehicles such as cars to be susceptible to various risks ranging from theft to accidents.

For this reason, car insurance can be a solution to overcome the owner's worries. This is because car insurance can provide benefits in the form of providing compensation for loss or damage to motorized vehicles caused by collisions, falls, malicious acts, theft and even fire.

Types of Car Insurance and Their Benefits

Car insurance is actually nothing new. In Indonesia, car insurance is divided into several types which can be adjusted to suit your needs. So, before making a decision in choosing an insurance product, it's a good idea to know the different types of car insurance and their benefits below!

1. Asuransi All Risk/Comprehensive

All Risk Insurance is often also referred to as a type of Comprehensive car insurance . Comprehensive car insurance means this type of insurance can protect the car more thoroughly from various types of damage and loss. Starting from minor damage such as fine scratches, dents, to major damage such as a collision which causes the car body to change shape.

Not only that, this car insurance can also provide protection when the vehicle experiences theft and natural disasters, such as floods or earthquakes. Please note that all damage or loss is written in the policy.

Because the protection is comprehensive, All Risk car insurance premiums are usually more expensive than other car insurance premiums such as TLO insurance.

2. Total Loss Only (TLO) Insurance

As the name suggests, Total Loss Only (TLO) insurance is insurance that provides protection for a car from the risk of loss. Please note, this type of TLO insurance covers the risk of theft and damage if repair costs are estimated to be equal to or exceed 75% of the vehicle's price immediately before the loss.

Losing a car due to theft is also considered total damage, so TLO insurance will cover the loss. Unfortunately, TLO insurance does not provide coverage if the car suffers less than 75% minor damage. The costs of minor repairs or replacements are the responsibility of the owner.

However, TLO insurance has advantages in terms of premiums. TLO insurance premiums are usually lower than All Risk car insurance .

3. Combined Insurance

Combined Insurance is often also referred to as Combination Insurance. This type of combination car insurance combines All Risk insurance and TLO insurance, but can only be obtained with a car loan. The way this type of insurance works is that in the first year the car will be covered for all risks , then in the following year only TLO car insurance.

4. Expanded Insurance ( Rider )

Of the three types of car insurance mentioned above, users can add extended vehicle insurance coverage. The extended guarantee is an additional benefit , apart from coverage due to accident or loss. The following is an expansion guarantee with an additional premium:

Guaranteed expansion of flood and typhoon vehicle insurance
Guaranteed expansion of earthquake and tsunami vehicle insurance
Guaranteed expansion of riot or riot vehicle insurance
Guaranteed expansion of terrorism and sabotage vehicle insurance
Guaranteed expansion of third party legal liability (TPL) vehicle insurance
Guaranteed expansion of passenger personal accident vehicle insurance
Guaranteed expansion of legal liability vehicle insurance for passengers

5. Collision Coverage Insurance

The last type of car insurance is Collision Coverage . This type of car insurance is specifically to cover medical costs resulting from accidents caused by the driver. Apart from that, this vehicle insurance will also cover damage and compensation costs according to the price of the car owned.

That is information about the types of car insurance and their benefits. After knowing the several types of car insurance above, which car insurance are you interested in buying ?

For those who are looking for the best car insurance, Autocillin Car Insurance from Zurich Asuransi Indonesia could be an option. There are three protection options from Autocillin Car Insurance that can be adjusted to suit your needs, namely Comprehensive , Comprehensive Plus , and Total Loss Only (TLO).

Apart from that, Autocillin Car Insurance also has various additional features, one of which is the ease of submitting insurance claims via the Autocilin Mobile Claim application.