For most people, having a private vehicle is a must, where the vehicle will be used as the main means of transportation in carrying out various daily activities. This is what then makes vehicle ownership rates in Indonesia quite high, especially for two-wheeled vehicles or motorcycles.
The use of insurance for vehicles is a very important thing to do, because this will help you to protect and avoid various kinds of risk of loss that may arise in the future. But in reality, there are a lot of people who do not use insurance on their vehicles, this is because of their lack of concern and concern for those vehicles they own.
Currently there are many insurance companies that provide motorcycle insurance services, you only need to be careful in choosing the best and most appropriate for your needs, because after all a motorcycle is an asset with a high value that needs to be protected. Before deciding to use the services of an insurance company for your motorbike, consider the following tips to be able to get the best service:
1. Adjust To Need
When deciding to use a motorcycle insurance service, the first thing you need to do is find out exactly what type of insurance your motorcycle needs. This of course must be adjusted to the overall condition of the motor, such as: age, type, and economic value contained therein.
That way, you can easily determine the type of protection you will use. There are two types of vehicle insurance that you can make a choice, namely: Combined Insurance (comprehensive); Total Lost Only Insurance (TLO).
2. Calculate Premiums and Claims That Can Be Done
It will be very important to know the amount of insurance premiums that you have to pay, so you have an idea of the benefits and costs that you will incur for this. Below is an example of calculating premiums and replacing lost motorcycle insurance claims, both in All Risk and TLO insurance:
Magnitude of insurance premium: 2.5%
Price on the road vehicle: IDR 30 million
Administration fee: IDR 30,000
The formula used to determine the premium amount is as follows:
The amount of premium x price on the road (OTR) motorbike + administrative fees
(2.5% x IDR 30,000,000) + IDR 30,000 = IDR 780,000
(* motor vehicle insurance premiums are usually charged per year. But in the purchase of credit there are exceptions, where the premium is adjusted to the credit period)
3. Adjust to Finance
After knowing the amount of the premium and the benefits you will get from using motor insurance, then another thing that you should consider is regarding the financial ability to pay the premium. Do not force yourself to take insurance with a number of premiums that are high enough, where this action may interfere with other expenditure items in your finances.
When you buy a vehicle, usually the dealer will also provide recommendations at the same time about the insurance company that you can use. In general, the dealer will provide a good and trustworthy insurance company recommendation. But it is certainly back to you, if it turns out you are not so sure of the recommendations from the dealer, then it never hurts to find and find yourself an insurance company that is most appropriate for you to use.
4. Consider Dealer Recommendations
When you buy a vehicle, usually the dealer will also provide recommendations at the same time about the insurance company that you can use. In general, the dealer will provide a good and trustworthy insurance company recommendation. But it is certainly back to you, if it turns out you are not so sure of the recommendations from the dealer, then it never hurts to find and find yourself an insurance company that is most appropriate for you to use.
5. See Company Credibility
There are many insurance companies, meaning that there are many choices that you can take into consideration. Choose an insurance company that has a good reputation and credibility, this can be seen from the performance and how they serve the claims of their customers.
Various information about this insurance company can be found via the internet, or you can also ask for recommendations from friends or relatives who have previously used the services of a vehicle insurance company. You can also do this by checking the ratio of claims settlement by the company, so you can see the direct performance of the insurance company that will be used.
6. Service Features Provided
This is also one thing that is very important to consider, because you certainly do not want to choose a company that has limited and not optimal services. It is important to ensure that the company has a 24-hour hotline service, tow trucks, ambulances, and various other services that you might need at any time if you experience a disaster or something that is not desirable on the streets.
Basically, these various features may not be available in the standard motor insurance services that you use, so their use will increase the amount of premium you have to pay. For that, you should pay attention and use only the features that you really need, so that the premium amount can be reduced as light as possible.
7. Partner Workshop
Choose an insurance company that has many partner workshops and is easily accessible if at any time you need. This will make it easier for you and save a lot of time and money when doing repairs on your motorbike. The more partner workshops of an insurance company, the easier it is for you to get service and claims for your vehicle that needs repairs. So make sure you use the services of an insurance company that has a lot of partner workshops.
Understand Policy Contents Correctly
Motorcycle insurance is a protection that you can use to avoid various risks of loss for your vehicle. Although many companies offer it, but you must remain observant and be careful in choosing this insurance. Do a preliminary survey and understand the contents of the insurance policy correctly, so that you don't experience losses and can get maximum benefit from the insurance you use.