What is the Difference Between Car Insurance Vs Car Warranty?
Car INSURANCE and warranties are actually systems that both lighten the burden when risks involve the vehicle unit. Even though they both act as insurance against potential losses arising from risks, the implementation and use of the cases are very different. Insurance provides an unlimited protection system. The car guarantee provides guarantees for risks within a limited scope and has been determined by the manufacturer.
Car Insurance: A Unlimited Form of Protection
Car insurance is a form of protection against all losses arising from risks. This is because risks can arise in the form of damage due to accidents or loss of the vehicle due to theft. Apart from the differences in insurance and guarantees, the protection system used is in accordance with customer needs. The car insurance that can be applied is the trusted brand Insureka!. The products are:
- Polis Comprehensive Premium.
- Polis Comprehensive Basic.
- Polis Total Loss Only (TLO).
- Polis Perlindungan Hybrid.
- Katastropik Polis.
Objective
Online car insurance is a diverting factor for emerging risks. Later, any form of loss that arises will be covered by car insurance through submitting a claim on the policy. However, customers must understand the regulations regarding the claim submission process. The basic thing is that the claim is stated in the policy and the submission does not exceed the expiry time of 5 days.
Scope
Asuransi mencakup semua jenis kerugian yang ditimbulkan oleh risiko. Berbeda dari jenis garansi mobil, mulai dari kerusakan ringan hingga berat akibat kecelakaan, hingga kehilangan unitnya. Selain obyek kendaraan, proteksi juga diberikan kepada pengemudi hingga penumpang. Asuransi mobil juga menyelesaikan segala sengketa atas risiko yang melibatkan pihak ketiga.
Duration
Jika sistem asuransi diaktivasi, maka nasabah akan mendapatkan formula proteksi atas mobilnya untuk jangka waktu yang panjang. Adapun opsi durasi waktu yang bisa diaplikasikannya adalah 1 tahun hingga 5 tahun. Untuk proses registrasi bisa dilakukan online melalui sistem berbasis teknologi digital. Saat waktu aktivasinya akan habis, nasabah bisa memperpanjangnya secara mandiri melalui sistem online.
Cost
Sistem pembiayaan asuransi yang ditawarkan oleh brand terpercaya insureka! sangatlah murah. Sebab, insureka! memberikan diskon 25% saat pelanggan melakukan pembelian polis. Untuk perpanjangan polis diberikan reward menarik. Contoh reward yang diberikan adalah Renewal Promo dan No Claim Bonus (Syarat dan Ketentuan Berlaku). Pembiayaan itu semakin efisien karena insureka! juga menawarkan beragam benefit, artinya sama menggiurkannya den gan garansi mobil.
Claim
Car insurance claims are a right received by customers when risks arise. This means that customers can submit claims when they are surrounded by risks. However, there are regulations that must be understood when customers submit a claim. Ideally, claims are submitted less than 5 days after the incident. Claims made are also included in the policy clauses, and are free from the exceptions that offer them.
Condition
To submit a claim is very easy via the Insureka! website or application. The main documents that must be prepared are KTP, SIM, and Chronology of Events. For special claims, several supporting documents are also included such as STNK, Keys, BPKB, and Police or Hospital Letters.
Similar to claims, registration is also provided. The registration process for car insurance is done online via the insureka! website or application. The registration flow is as follows, namely:
- Input dokumen persyaratan STNK, SIM, dan Foto Panel Lengkap Mobil.
- Memilih polis sesuai dengan kebutuhannya.
- Input profil unit mobilnya secara lengkap dan valid.
- Transaksi Pembayaran.
Provider
Customers can optimize car insurance providers on an online basis, a difference between insurance and guarantees. Because, currently there are many car insurance companies that have an online base such as the trusted brand Insureka!. Customers can also get a variety of detailed and complete information regarding their products. They also have special access to interact with Customer Service. Then, the registration process for activating the protection policy can also be carried out at that time.
Focus
It is ideal for customers to activate their car insurance policy considering that risks can appear in various forms. The impact of the losses it causes is also very large. Current customers can activate the policy according to their needs. Moreover, Insureka is a trusted brand! has also prepared the best formulations through Comprehensive Premium, Comprehensive Basic, Total Loss Only (TLO), Hybrid Protection and Catastrophic Policy products.
Car Warranty: Limited Form of Protection
Motorbike accident guarantees are actually also a form of protection against potential losses arising from products purchased by customers. This guarantee is a form of guarantee from the manufacturer to its consumers. However, the warranty provides very limited coverage. Limited by strict regulations provided by the manufacturer.
Objective
Guarantees are part of the excellent service received by consumers after purchasing a product. Later, if there is a problem with the product they purchased, consumers can get a free repair or even replace it with a new product.
Scope
Despite the differences between car insurance and a warranty, the scope of coverage provided by a warranty is very limited. Because, the guarantee only covers potential problems that arise in the design or production of goods purchased by consumers. The guarantee does not cover damage to the product or its parts due to natural processes, including after use.
Duration
The warranty activation period is very short because it is determined by the product manufacturer. The duration of the guarantee is usually determined by the price of the product.
Cost
The guarantee is free because it is a product protection facility provided by the manufacturer to its consumers. However, the guarantee coverage is very limited. Warranty coverage only targets the design or production of the goods. The guarantee also does not cover risks that arise by involving third parties.
Claim
To make a warranty claim, you usually refer to long and complicated regulations. Regardless of the difference between a car warranty and car insurance, the validity of a claim under the warranty is determined by the manufacturer taking into account the chronology. If the damage that appears is not caused by internal factors, then a claim cannot be made. For example, damage that arises as a result of an accident.
Condition
Untuk mendapatkan status garansi, produk biasanya harus mendapatkan sistem perawatan rutin. Untuk mobil, unit di service secara rutin pada bengkel yang sudah ditunjuk.
Provider
Warranties are usually provided by manufacturers of products purchased by consumers. The technical implementation of the guarantee is of course different from each manufacturer. For this reason, customers need to be more careful in optimizing their guarantee facilities.
Focus
A guarantee can be a guarantee against potential losses involving a car unit. It's just that you need more precision and care to make a risk claim into a guarantee. There are very strict procedures between car warranty vs insurance.
Conclusion
Asuransi mobil tetap dibutuhkan sebagai sistem proteksi utama. Sebab, cakupan perlindungan yang diberikan oleh asuransi sangatlah luas daripada apa itu garansi pada mobil. Asuransi bisa menjawab setiap risiko yang muncul kapan saja. Adapun garansi menjadi jaminan perlindungan produk yang sangat terbatas. Untuk mengaktivasi sebuah problem yang muncul menjadi garansi memerlukan treatment yang rumit.
FAQ
Why is car insurance important?
Insurance is very important because risks can arise at any time and in various forms. Insurance will cover all types of risks ranging from various levels of damage to loss of the car unit.
What is usually covered by a car warranty?
Garansi mobil hanya menjamin kerusakan komponen akibat kesalahan produk. Garansi tidak menjamin adanya kerugian akibat suku cadang yang rusak alami atau karena faktor digunakan.
How long does a car warranty last?
The length of the car guarantee usually depends on the manufacturer's policy. Guarantees can also be based on time or distance traveled by a car.
Can I adjust my car insurance coverage?
Car insurance coverage can be adjusted to suit your needs. This means that those who live in disaster-prone areas can activate the Flood-Storm and Earthquake-Tsunami features.
Is a car warranty the same as accident insurance?
A car guarantee is very different from car insurance from various aspects.
How long is the car warranty?
The warranty period for a car depends on the manufacturer's regulations according to time and distance traveled.
Can I extend my car warranty?
Consumers cannot extend car warranties because it is the manufacturer's policy.
Can I get car insurance and warranty?
Car insurance and warranty are an ideal combination system for a vehicle unit.
