4 Reason Dont Try Damaging Your Own Motorcycle. For car owners with high prices, the following insurance seems to have become something important.
Because of many benefits if you already have the guarantee,
such as reimbursement of costs when a favorite vehicle is lost or damaged due to an accident or other things.
4 Reason Dont Try Damaging Your Own Motorcycle
However, this does not apply to motorcycle owners.
In fact, you could say the two-wheeled owner is still not concerned with the importance of the following insurance,
especially insurance that is not bundled with leasing when purchasing a vehicle on credit.
For car owners with high prices, the following insurance seems to have become something important.
Because of many benefits if you already have the guarantee,
such as reimbursement of costs when a favorite vehicle is lost or damaged due to an accident or other things.
However, this does not apply to motorcycle owners.
In fact, you could say the two-wheeled owner is still not concerned with the importance of the following insurance,
especially insurance that is not bundled with leasing when purchasing a vehicle on credit.
4 Reason Dont Try Damaging Your Own Motorcycle
“The comparison of car and motorcycle insurance is 60 percent to 40 percent.
However, that number is because there are many insurance packages that are already bundled by leasing when buying on credit. 4 Reason Dont Try Damaging Your Own Motorcycle
But, if insurance is voluntary or when the credit process is complete (insurance also runs out) that’s only less than two percent,
“explained Wayan Pariaman Chief Marketing Officer Director of PT Asuransi Adira Dinamika (Adira Insurance), when met at Central Jakarta, recently.
He continued, many factors motorcycle owners who are still reluctant to follow insurance.
One of them, not knowing information or still confused to get the insurance.
“We make products for motorcycle insurance, Motopro with various promos such as participating in certain periods of helmet bonuses as well.
However, there is still not much interest in people who have completed leasing and broken insurance,
because they still feel it is voluntary not a necessity,” he said.
4 Reason Dont Try Damaging Your Own Motorcycle
In fact, if you see the price of a motorcycle premium is quite cheap,
around Rp 200 thousand a year for the vehicle price of Rp 12 million to Rp 20 million.
“The only claim is total loss or loss. Because the motorcycle loses more than the scratches.
If you replace the mirror or blister body, it is not necessary.
If like that, the motorcycle owner can still repair without draining the wallet,” he concluded.
reimbursement of damage costs can still be borne by the insurance.
But then the question arises if the damage is caused intentionally, whether insurance will still compensate for the risk experienced?
Previously, Iwan explained that basically insurance can approve claims for the risk of damage submitted by the vehicle owner. 4 Reason Dont Try Damaging Your Own Motorcycle
For motorcycles, usually only Total Loss Only (TLO) protection guarantees risk due to theft and damage if the repair costs are equal to or exceed 75 percent of the price of the vehicle just before the loss (maximum age of the vehicle is 12 years old).
4 Reason Dont Try Damaging Your Own Motorcycle
As for cars, besides TLO there is Comprehensive protection that guarantees the risk of loss from partial.
And total damage will be borne by the insurance, as long as it is not excluded in the policy (maximum age of the vehicle is 9 years old).
“But if the damage is caused intentionally or when the incident turns out the driver is violating traffic.
Does not have a valid driver’s license or vehicle certificate, then the claim process that is submitted is clearly not covered by insurance.
That also applies to both cars and motorcycles,” he explained.
The provisions are clearly stated in the insurance policy. Referring to the Indonesian Motor Vehicle Insurance Standard Policy (PSAKBI).
Chapter II Exceptions, in article 3 paragraph 4 it is stated: This coverage does not guarantee a loss.
Damage and or costs for motorized vehicles and or legal liability to third parties if Caused by intentional actions of the Insured and or the driver and or person who works for the Insured person or person.
Dont Try Damaging Your Own Motorcycle
“In the event of loss or damage, Motorized Vehicles are driven by someone who does not have a valid Driving License (SIM).
And in accordance with their purpose as regulated in applicable traffic laws.
According to paragraph 4.5, the loss is also not covered if: Entering or passing a closed road, forbidden.
Not intended for Motorized Vehicles or violating traffic signs, “he explained
“Therefore, it is important for vehicle owners to understand the provisions that apply in their vehicle insurance policies.
On the other hand, the completeness of driving such as SIM and STNK needs to be a concern because psychologically it will provide calm in driving,
” he said
