Total Lost Only or commonly referred to as TLO, is a guarantee on the insurance of two-wheeled vehicles or more, for any losses you incur during the insurance period with a loss of at least 75% of the value of your vehicle, including total damage, to vehicle loss due to theft .
Comprehensive or commonly referred to as All Risk, is a guarantee on motorcycle insurance of two or more motor vehicles, for any losses you incur during the insurance period from minor damage to total damage, including vehicle loss due to theft.
Own Risk (OR) is a personal or so-called insurance expense with its own risk for losses incurred on the insured vehicle. (Formerly this OR was calculated per point, but since 2014, it has been determined by OJK by calculating the OR based on the incident which is Rp 300,000 for comprehensive and min Rp 500,000 for TLO).
Frequently Asked Questions On Expansion of Car Insurance
Also referred to as Personal Accident (PA) Drivers and Passangger which is a guarantee of compensation provided by the insured, if the insured suffered permanent disability or death due to accident according to the subject of insurance owned.
Also called SRCC (Strike, Riot, Civil Commotion) guarantee which means guarantee of loss resulting from strike, riot and riot. This warranty is granted for losses incurred by a group of persons (at least 12 persons) to cause an atmosphere of order disturbance, to the situation in a city where large numbers of masses together or in small groups create an atmosphere of disturbance of public order and security vulnerable At least 24 hours continuously during the general fear and result in more than half of the normal activities in the center of the city.
Also called TS (Terrorism & Sabotage) guarantee which means that the guarantee of loss resulted from the action by a group of people (minimum 12 people) in order to create an atmosphere of order gangs, to the situation in one city where a large number of masses jointly or in groups Small cause an atmosphere of disorderliness of public order and security with a vulnerable time of at least 24 hours continuously during the occurrence of general fear and cause cessation of more than half of normal activities in the city center.
Your vehicle number code number affects the percentage of premiums based on the rules of the Financial Services Authority (OJK) divided by region divided into 3 regions: Region 1 for Sumatra and its islands, Region 2 for DKI Jakarta, Banten and West Java, and Region 3 for other than Region 1 & 2.
ERA or Emergency Roadside Assistance is a service provided to serve the insured who experienced a mild ganggunan on his vehicle and does not require significant maintenance in the workshop, such as keys left in the car, die batteries, etc.
This service facilitates the insured in making the claim process, where the insured vehicle will be picked up by the insurer to be taken to the workshop and will be escorted back to where the insured at the time the claim has been completed.