Pertanyaan Yang Sering Diajukan Seputar Asuransi Mobil di Indonesia

FAQ's

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The Insured is an individual or legal entity who has a financial interest in a motor vehicle and is bound by the Insurer to obtain protection for the motor vehicle.
Guarantor, is an insurance company that binds itself with the Insured to provide compensation for loss and/or damage to motor vehicles and/or the insured interests.
Collision, is physical contact between a motorized vehicle and another object, including animals, that is outside the motorized vehicle.
Own Risk, is a certain amount borne by the Insured for each event.
Personal Use, is the use of a motorized vehicle for the vehicle user's personal transportation purposes.
Commercial Use, is the use of motorized vehicles for rental or to obtain service fees (for example: online taxis).
Hypnosis, is an act of fraud that causes a person without their awareness to become submissive and follow the hypnotist's wishes to hand over part or all of their motor vehicle to the hypnotist or other unauthorized person.
Riots are the actions of a group of at least 12 (twelve) people who, in carrying out a common goal, create an atmosphere of disturbance of public order by making noise and using violence and destroying other people's property, which is not yet considered a riot.
Brawl, is a fight between groups of people involving at least 5 (five) people which causes disruption to the atmosphere of public order by making noise and using violence and destroying other people's property which is not considered a riot.
Riots, is a situation in a city where large masses of people together or in small groups create an atmosphere of chaos and disturb public security by making noise and using violence as well as a series of large amounts of property destruction . The effect is the emergence of fear in society, which is characterized by the cessation of more than half of the normal activities of trade/shopping centers or offices or schools or public transportation in the city for at least 24 (twenty four) continuous hours starting before, during or after the event.
Revolution, is a violent popular movement to carry out radical changes to the constitutional system (government or social conditions) or overthrow a legitimate de jure or de facto government, which is not yet considered a rebellion.
Rebellion, is an organized act of a group of people who carry out rebellion and/or opposition to a de jure or de facto legitimate government with violence using firearms, which can threaten the continuity of the de jure or de facto legitimate government. facto.
Invasion, is the act of military force of a country entering another country's territory with the intention of occupying or controlling it temporarily or permanently.
Civil War, is an armed conflict between regions or between political factions within the territorial boundaries of a country with the aim of fighting over the legitimacy of power.
War and Hostilities, is a broad armed conflict (either with or without a declaration of war) or an atmosphere of war between two or more countries, including war games by a country or joint war games between countries.
Treason, is the act of a person acting on behalf of or in connection with an organization or group of people with activities directed at de jure or de facto violent overthrow of the legitimate Government or influencing it with terrorism or sabotage or violence.
Sabotage, is the act of damaging property or obstructing the smooth running of a job or causing a decrease in the value of a job. This action is carried out by a person or group of people, whether acting alone or on behalf of or in connection with an organization or government in an effort to achieve political, religious, ideological or similar goals, including the intention to influence the government and/or frighten the public or part of society.
Terrorism, is an act, including but not limited to the use of coercion or violence and/or threats to use force or violence, by a person or group of people, whether acting alone or on behalf of or in connection with an organization or government , with political, religious, ideological or similar aims including the intention to influence the government and/or put the public or part of the public in fear."

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