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Best Car Insurance 2022 - News and Game Guide

Champions.my.id – Best Car Insurance 2022

The Importance of Car Insurance

Car insurance is something that is practically mandatory for four-wheeled vehicle owners, especially for new cars.

It is even more profitable if we can get cheap vehicle insurance so that we can save on monthly expenses.

But why is it important very to insure our car?

1. Quieter driving

The risk of bad events can happen anywhere and anytime. Of course there will be feelings of worry in driving, especially if the car is still in new condition. With insurance, of course that worry will disappear.

2. Bear various losses ranging from damage to loss

Starting from damage to loss, the insurance company will be responsible for bad things that happen to our car. So, no need to worry and we can keep driving without having to think about unnecessary things.

3. Protect our finances from big expenses

The insurance premiums we pay each month become a bailout if something bad happens to the car.

Our premiums are much cheaper than repairing damaged cars with our own money.

By paying a premium, our car is protected against large expenses for repairs at the workshop.

4. No need to spend unexpected funds because they have been allocated

Unexpected funds are one of the most annoying forms of spending because we cannot predict when and how much funds will be issued.

With cheap car insurance, we don’t have to worry about losing a lot of money in our savings if something happens to our car!

Whenever our car is damaged, we only need to take it to the insurance partner’s workshop and everything will be repaired free of charge, except for the administration fee at the workshop which is very cheap.

1. The best car insurance Sinarmas

Sinarmas offers two insurance options, namely insurance all risk and total loss only (TLO). For those of you who don’t know the difference between all risk and TLO, you can find the information later below.

The following is a summary of information about Sinarmas insurance.

  • Premium: Starting from IDR 781,660 per year
  • Partner workshop: 584 workshop
  • How to claim: Via app (1 day)
  • Maximum car age: 12 years old
  • Special advantage: Free taxi fare while the car is in the repair shop

Sinarmas insurance whatsapp number: 0812.800.27333 or 08788841.0500

2. Adira Syariah’s best car insurance

Best car insurance

PT Asuransi Adira Dinamika offers insurance all risk sharia as a good insurance option. Below is a summary of information about Adira Syariah Insurance.

  • Premium: Starting from IDR 863,940 per year
  • Partner workshops: More than 300 workshops
  • How to claim: Via app (1 day)
  • Maximum car age: 10 years
  • Special advantage: Premium back if there is no claim and has been certified by MUI

3. Adira Autocillin’s best car insurance

Meanwhile, for conventional options, PT Asuransi Adira Dinamika offers insurance all risk Adira Autocillin as a good car insurance option.

The following is a summary of information about Adira Autocillin.

  • Premium: Starting from IDR 863,940 per year
  • Partner workshops: More than 300 workshops
  • How to claim: Via app (1 day)
  • Maximum car age: 1o years old
  • Special benefits: Free towing and renewal of STNK

4. Tugu Pratama all risk vehicle insurance

Best car insurance

PT Asuransi Tugu Pratama Indonesia Tbk offers insurance all risk make car owners a good insurance option.

The following is a summary of information about Tugu Pratama Insurance.

  • Premium: Starting from IDR 33,000 per month
  • Partner workshop: 307 workshop
  • How to claim: Via app (1 day)
  • Maximum car age: 1o years old
  • Special advantage: Repairs in any workshop including non-partners

5. ACA car insurance

Best car insurance

Insurance all risk Another option that is a good car insurance option is provided by PT Asuransi Central Asia. The following is a summary of information about ACA Insurance.

  • Premium: Starting from IDR 781,660 per year
  • Partner workshops: More than 90 workshops
  • How to claim: Via app (1 day)
  • Maximum car age: 7 years old
  • Special advantage: Free replacement car while the car is in the repair shop

6. All risk insurance and TLO MAG

PT Asuransi Multi Artha Guna offers insurance all risk and TLO as a good insurance option. The following is a summary of information regarding MAG Insurance.

  • Premium: Starting from IDR 781,660 per year
  • Partner workshop: 534 workshop
  • How to claim: Via app (1 day)
  • Maximum car age: 1o years old
  • Special advantage: Repairs in authorized workshops at no extra cost

7. Mega Insurance all risk insurance

Best car insurance

PT Asuransi Umum Mega offers insurance all risk as the best choice of insurance for motorists. The following is a summary of information about Mega Insurance Insurance.

  • Premium: Starting from IDR 250,000 per month
  • Partner workshops: More than 250 workshops
  • How to claim: Via app (1 day)
  • Maximum car age: 10 years
  • Special benefits: Health insurance and personal accident benefits

8. AXA Mandiri vehicle insurance

Best car insurance

AXA Mandiri offers all risk and TLO vehicle insurance with the following product summary:

  • Partner workshops: up to 350 partners throughout Indonesia.
  • Claim: no survey.
  • Benefits: replacement, repair, legal liability up to IDR 25 million, replacement of vehicle keys up to IDR 25 million.
  • Special benefits: a new change for a car with a maximum age of 6 months, free of charge for an ambulance.

9. Tokio Marine vehicle insurance

PT Asuransi Tokio Marine Indonesia offers all risk and TLO vehicle insurance with the following benefits:

  • Benefits: compensation for car damage, tow fees and ambulance costs.
  • Additional benefits: third party liability, personal accident, natural disaster.
  • Service: warranty repair workshop and call center 24 hours.

10. Allianz vehicle insurance

Best car insurance

Allianz has all risk and TLO vehicle insurance with the following benefits:

  • Benefits: compensation for car damage and theft by the driver, third party legal liability, death benefit, taxi costs during car repairs.
  • 24 hour emergency assistance.

The difference between all risk and TLO car insurance

You need to know that there are two types of cheap insurance to choose from, namely all risk and TLO. What’s the difference between the two?

1. All risk

As the name implies, All Risk Insurance provides protection for all risks that befall our car.

Model insurance all risk regardless of the percentage of damage suffered by the car. Whether small or large, the cost of repairing the damage will be borne by the insurance company.

Insurance is often called insurance comprehensive it provides several extended coverages, such as flood, riot, and other protections.

2. Total Loss Only (TLO)

TLO insurance provides coverage when the insured car is lost due to being stolen.

Now,for cheap vehicle insurance, most will use this type of insurance Total Loss Only because there are certain limitations.

Insurance services will not cover if the car is damaged below 75 percent. Damage above 75 percent is assumed that the damage that occurs makes the car unusable.

Well, that was the best car insurance review recommended by Champions. Let’s insure our car and don’t forget to read the insurance policy carefully!