Having vehicle insurance for some people is still considered as less important. They assume there is no point in insuring their beloved car. After all, if the car is driven with caution, then the possibility of an accident will not occur. The myth, how to claim car insurance is difficult, the procedure is complicated until the funds needed are liquid.
But all these assumptions are not true, because you have to understand if car insurance has many beneficial benefits. Car insurance is not only limited to compensation tools in the event of an accident, but also as a maintenance investment. Just imagine if you get compensation for every risk that occurs in the car. Of course no need to worry anymore to spend a lot of money just to improve. For example, your car accidentally crashed into a fence so that the front of the car blisters, then you do not need to spend money to fix it because it will be financed by the insurance company.
By having vehicle insurance, all of these risks can be minimized because there are so many interesting protection expansions offered by insurance companies. How to buy car insurance is also increasingly easy in today’s online era, of course, you can already buy car insurance through an online system.
The main convenience that can be directly felt from buying insurance online is practical. It does not take much time because all processes starting from transactions, application processes, status updates and checks are done online. Of course this will not interfere with your other activities because purchases can be made anywhere and anytime (real time).
In addition, you also do not have to bother sending the documents needed to register such as KTP, SIM, STNK and others. This is because all documents can be uploaded via the internet. Filling out the insurance submission form is also done online. Check out the following careful tips to buy car insurance online:
1. Make a Comparison of Insurance Products
Everyone would want the best insurance products for their cars. If possible all risks that might occur are covered by all insurance. Therefore, make a comparison between one insurance product with other similar products before buying. This method you can do online through a comparison site that offers car insurance.
Pay attention to attractive offers given by insurance companies to protect your car later. Not all insurance companies offer the same protection. In terms of insurance policies and interest alone, each company is different.
But keep in mind, not offering the lowest insurance premiums means the cheapest, consider the cheap insurance policies offered whether the insurance provides protection that is in accordance with your wishes. That is whether the insurance provides comprehensive protection or only for certain things.
In addition, you can also read the testimonies of people who have submitted certain insurance products as a reference. From there later you can also consider whether the insurance product is in accordance with what you are looking for.
2. Choose the Right Type of Car Insurance
Basically there are two types of insurance protection offered, namely All Risk and Total Loss Only (TLO). The difference lies in the type of protection provided. For All Risk insurance, the insurance company will cover all risks and damage to your car. This means that all minor, severe damage to loss can be covered by All Risk insurance.
Unlike the All Risk insurance, Total Loss insurance will only cover losses that cause the car to be damaged more than 75% or the vehicle has been stolen (lost). For minor damages, this type of insurance cannot cover it. However, for premiums, this type of insurance is cheaper. This you must understand, and determine the type of car insurance that suits your needs.
3. Add Protection Expansion
For those of you who have been assuming insurance is only for protection when a car is damaged due to an accident or lost because of theft, it means that you do not understand very well about the benefits of insurance. Currently insurance companies have widened their type of protection against possible risks known as extended protection
When buying insurance, you will be given the desired expansion option. Later selected extensions will be added to the car insurance policy and will be included in the insurance premium.