Understanding Car Insurance Premiums

Lindungi Kendaraan Anda dengan Premi Asuransi Kendaraan Bermotor yang Tepat

Premi asuransi mobil merupakan sejumlah uang yang dibayarkan setiap bulan sebagai jaminan terhadap risiko kerugian yang timbul di kemudian hari terkait dengan suatu kendaraan. Mengemudi bisa berisiko dan mobil Anda bisa rusak kapan saja. Risiko ini dapat bermanifestasi dalam berbagai bentuk kerusakan, cedera yang mengancam jiwa, atau insiden yang melibatkan pihak ketiga. Selain itu, risiko kehilangan atau pencurian mobil selalu ada. Itu sebabnya memastikan mobil Anda dilindungi oleh merek terpercaya seperti insureka! sangatlah penting.

What is Car Insurance Premium

Insurance premiums are a vital element in the insurance ecosystem. The premium for new and second-hand car insurance is a form of service guarantee provided to the insurance company as a guarantee for any potential risks that arise. The clause regarding the proportion of the premium is fully regulated in the insurance policy in accordance with the chosen benefits.

Policies related to premiums all refer to the regulations of the Financial Services Authority (OJK). More specifically, they are regulated under OJK Letter Number 6/SEOJK.05/2017. This rule determines the amount of the value of the vehicle insurance premium that must be paid by the customer to the insurance company. With this regulation, customers will receive a premium price that is reasonable and fair.

Jenis Premi Asuransi Mobil

Premi menjadi hal yang wajib dipatuhi oleh setiap nasabah perusahaan asuransi. Posisinya menjadi kewajiban yang harus dipenuhi oleh nasabah. Secara umum jenis premi asuransi mobil didasarkan menurut produk asuransi atau polisnya. Sebab, nilai dasar premi sudah berbeda setiap produknya. Adapun brand terpercaya insureka! menawarkan opsi preminya menurut produk:

• Comprehensive Premium.
• Comprehensive Basic.
• Total Loss Only (TLO).
• Polis Katastropik.
• Perlindungan Hybrid.

How to Calculate Car Insurance Premiums

Perhitungan premi tetap mengacu pada peraturan OJK, Surat OJK Nomor 6/SEOJK.05/2017. Penetapan harga premi asuransi mobil juga didasarkan pada beberapa aspek, seperti harga mobil yang terbagi dalam beberapa kategori, serta zonasi wilayah.

The division of car price groups by category is as follows:

Category 1, Price < IDR 125 Million.

Category 2, Price IDR 125 Million to IDR 200 Million.

Category 3, Price IDR 200 Million to IDR 400 Million.

Category 4, Price IDR 400 million to IDR 800 million.

Category 5, Price > IDR 800 million.

The trusted brand insureka! calculates monthly insurance premiums using an automated system. If you want to manually estimate your monthly premiums, you can multiply the car price with the approximate premium percentage, which is calculated according to the type of insurance policy and the unit price of the car according to the region.

Faktor Kunci Yang Mempengaruhi Premi Asuransi Mobil

Ada beberapa faktor yang mempengaruhi besaran premi. Secara umum, struktur harga premi asuransi mobil serupa di berbagai polis, termasuk All Risk, Total Loss Only (TLO), dan diversifikasi produk. Premi dihitung berdasarkan harga mobil dan persentase premi yang berlaku. Persentase premi ditentukan oleh jenis polis dan nilai mobil, dengan mempertimbangkan kategori dan wilayahnya. Selain itu, kawasan tersebut dikategorikan ke dalam zona 1, 2, dan 3 untuk tujuan zonasi.

Tips for Lowering Car Insurance Premiums

You can save on car insurance premiums. To get the ideal price composition, there are several things you can do.

• Apply for a policy with the same insurance company, because there’s a chance you can receive a special promo
• Make sure your insured car has all the documents and related equipment. 
• The car does not have a police record.
• Purchase one policy that is completely relevant to your car usage and needs.
• Minimize risk by reducing car usage.
• Choose a new car.
• Choose a car variant that is owned by many people.