Protect Your Ride: Car Insurance and Road Safety Tips | Insureka

SAFETY driving is the best option to avoid various potential risks even though car insurance provides protection. It's just that risk status usually comes unexpectedly even under conditions of full caution and vigilance. Because, there are various factors that can trigger risk. Apart from human factors, risks can also be triggered by physical aspects of the car unit and natural factors. However, disciplined driving must be prioritized as a preventive measure and to maintain driving safety.

Tertib Lalu Lintas dan Ancaman Risiko Berkendara

Orderly traffic is the main thing for safe driving tips and reducing the level of losses due to risks. Everyone must comply, because BPS data places Indonesia as a country with a high death rate caused by accidents in the ASEAN region. From 2019 to 2021, the increase in incidents reached 103,645 cases. Prioritizing orderly traffic behavior, there are several treatments to reduce potential risks such as:

1. Good traffic safety management.
2. Real support and regulations from local government.
3. Vision zero to reduce potential risks with background accidents.

Proteksi Asuransi Mobil

Apart from implementing traffic rules, road users should also protect their car units with an insurance protection scheme. Because, there are various car insurance protection products that can be applied comprehensively. Becomes a solution to various risks that arise in the form of damage to the unit due to accidents to losing the car which triggers acts of theft. One of the recommendations for protection systems and types of car insurance is provided by the trusted brand Insureka! through the following products:

1. Polis Comprehensive Premium.
2. Polis Comprehensive Basic.
3. Polis Total Loss Only (TLO).
4. Polis Perlindungan Hybrid.
5. Katastropik Polis.

Why Car Insurance Is So Important

Orderly traffic behavior for safe driving tips is a preventive measure to reduce the number of risks that appear on the road. Compiled from various sources, the risk figures in the form of accidents in the last 5 years have tended to increase. Until September 2023, the number of accidents has reached 155 thousand cases. The description of the number of accidents in Indonesia from 2020 to September 2023 is:

1. In 2023, the number of accidents will be 155 thousand cases.
2. In 2022, the number of accidents will be 131.5 thousand cases.
3. In 2021, the number of accidents will be 103.6 thousand cases.
4. In 2020, the number of accidents was 100.03 thousand cases.

Polis Asuransi Sebagai Tameng Kerugian Pembiayaan Risiko

Melihat tingginya kasus risiko di jalan raya, sudah seharusnya treatment dan preventif diberlakukan. Sebagai preventif penekan kerugian yang dimunculkan risiko kecelakaan, maka aktivasi polis asuransi mobil menjadi solusi ideal. Sebab, polis asuransi memberikan perlindungan menyeluruh bagi berbagai level kerusakan hingga kehilangan unit yang dipicu tindak pencurian. Harga yang ditawarkannya juga terjangkau. insureka! akan memberikan diskon 25% jika registrasi dilakukan saat ini.

Types of Car Insurance

Berkembang menjadi mitigasi dan preventif atas risiko, ada beragam jenis asuransi mobil yang bisa diaplikasikan. Apalagi, insureka! memberikan beragam kemudahan mulai dari registrasi dan klaim yang dijalankan secara online. Kehadiran diskon dan cashback saat registrasi juga memberikan efisiensi maksimal pembiayaan atas risiko hingga 25% setahun. Semakin kompetitif, insureka! memberikan batasan implementasi polis yang jelas sesuai kebutuhan nasabahnya. Maping-nya adalah:

1. Polis Comprehensive Premium

This policy is very suitable for those who have a very high driving ratio every day. Because the high driving ratio is directly proportional to the potential risk.

2. Polis Total Loss Only (TLO)

TLO is a protection solution for second-hand and old cars. Apart from road safety tips, ideally this policy applies to cars that are more than 5 years old. Because, there are various economic efficiencies offered to the maximum.

3. Polis Perlindungan Hybrid

Perlindungan Hybrid menggabungkan antara Comprehensive dengan TLO. Basic kerangka penyusunnya tetap TLO.

4. Katastropik Polis

This type of car insurance is specifically a solution to the growing issue of climate change. With the uniqueness it offers, this policy is a solution to risks triggered by floods. This means that this feature is ideal for customers who live in flood-prone areas.

5. Polis Comprehensive Basic

Comprehensive Basic is a policy that is suitable for customers who have a moderate or low level of driving. Customization is provided through the composition of included and optional protection features.

Factors Affecting Car Insurance Premiums

Menggunakan asuransi mobil sebagai formula perlindungan atas berbagai risiko, sejatinya ditawarkan dengan harga yang terjangkau. Acuan penetapan premi adalah regulasi surat edaran Otoritas Jasa Keuangan atau OJK Nomor 6/SEOJK.05/2017. Secara umum perhitungan Premi Asuransi adalah Persentase Premi dikalikan dengan Harga Mobil per Kategori. Adapun acuan Persentase Premi OJK yang ditawarkan insureka! adalah batas bawah, yaitu:

How to Save on Car Insurance

Premi asuransi mobil memang dihadirkan sehijau mungkin. Apalagi, insureka memberikan diskon 25%. Meski demikian, nasabah bisa melakukan penghematan atas skema pembiayaannya. Ada beberapa cara yang bisa diterapkan untuk membuat premi asuransi mobil yang dijalankan sangat efisien dan efektif. Untuk treatment-nya adalah berikut:

1. Before buying a car, make sure the brand, model and year of activation are proportional.
2. Raise your own risk value status.
3. Drive according to your needs and effectively.
4. Carry out policy exchanges and modifications.
5. Ideally clean from negative police records.

Road Safety Tips

To reduce risks and increase self-value, orderly traffic guidelines for road safety should ideally be implemented in full. However, customers can also carry out several treatments to create safe driving on the road. The tips for safe driving are as follows:

1. Memahami Pergerakan Unit Kendaraan

1. Understand the Movement of Vehicle Units.

2. Selalu Menjaga Jarak Aman

Maintaining a safe distance is the best option to reduce the risk of driving. The safe distance can be applied with a minimum margin of 3 seconds. The speed applied is 40 km per hour.

3. Waspada dengan Kondisi Sekitar

When on the highway, drivers are obliged to ensure that the lane or lane they choose is completely safe. Drivers no longer assume the movements of other cars around them.

4. Responsif Terhadap Status Blind Spot

Blind spots are zones where the movement of the car itself and others is difficult to monitor visually. Then, the blind spot is always owned by the car unit and its position is different. To reduce blind spots, always regularly check the conditions around the car every 5 to 8 seconds.

5. Hindari Distraksi Saat Berkendara

Driving activities must be carried out with full concentration. Ideally there should be no other activities that interfere and cause distraction.

Connection Between Car Insurance and Road Safety

By understanding various driving tricks, it is hoped that the potential for risks can be reduced significantly. Apart from that, people are also elaborating on car insurance. Because, various types of car insurance are the best preventive mitigation for various potential risks that arise. Both have a positive connection to provide safety and solutions to reduce losses from driving activities on the road.

Steps to Take After an Accident

Regardless of safe driving tips, accidents are a risk that must be avoided. Because the potential losses it causes are very large. Apart from financing, accidents also often result in losses in the form of fatalities and involve third parties. However, there are several steps that must be taken when the risk of an accident arises, namely:

1. Remain calm and analyze the situation that occurred.
2. Contact the authorities.
3. Make documentation of car damage and surrounding conditions.
4. Prepare a chronology of events.
5. Immediately contact the insurance company.

Conclusion

Driving safety and car insurance come together to reduce risks. Because risks can arise at any time. To avoid potential losses, insurance product activation can be done through the Insureka! product. Car insurance protection products that can be applied are Comprehensive Premium, Comprehensive Basic, Total Loss Only (TLO), Hybrid Protection, to Catastrophic Policies.

Dengan aktivasi jenis asuransi mobil produk insureka!, nasabah akan mendapatkan beragam value. Sebab, ada diskon 25% yang bisa dinikmati. Produk insureka! juga bisa diterapkan pada mobil pribadi hingga armada niaga, baik unit baru maupun second. Proteksi untuk unit second bahkan memanjang hingga 15 tahun.

FAQ

How can I save money on car insurance?

Car insurance always provides savings or financing efficiency, whatever the product used. Because, the risk often comes in the form of maximum or total loss. According to its function, the insurance company will transfer losses arising from these risks.

What are some road safety tips for drivers?

Drivers are an important key to reducing potential risks. For this reason, a driver should ideally have several positive aspects as follows:

1. Have a positive portfolio.
2. Have good driving knowledge.
3. Have a high awareness of driving safety.
4. Have good driving skills.
5. Obey all traffic signs.

What should I do after a car accident?

After a risk incident occurs, ideally the driver is calm and makes documentation both visual and chronological of the incident. The driver also immediately reported the incident to the insurance company to make a claim. This is because the claim process must be carried out less than 5 days after the risk incident.