Cara Daftar Asuransi Mobil All Risk – Tidak hanya kesehatan yang membutuhkan asuransi, sebuah kendaraan juga membuthkan asuransi.
NONGKI.NET – Pemilik kendaraan harus tahu cara mengklaim asuransi mobil jika terjadi hal-hal yang tidak diinginkan. Apalagi tidak bisa dipungkiri bahwa angka kecelakaan di Indonesia masih cukup tinggi. Tingginya angka kecelakaan disebabkan oleh banyak faktor, salah satunya adalah tingkat kedisiplinan aturan lalu lintas yang masih cukup rendah. Hal ini membuat masyarakat harus memiliki perlindungan untuk meminimalisir risiko kecelakaan di jalan raya, salah satunya dengan daftar polis asuransi mobil.
Asuransi bisa menjadi perlindungan jika sewaktu-waktu kendaraan Anda mengalami kerusakan atau kecelakaan. Dengan polis asuransi, Anda tidak perlu khawatir tentang biaya perbaikan karena semuanya akan ditanggung oleh asuransi. Namun, untuk bisa mendapatkan klaim asuransi, ada beberapa persyaratan yang perlu Anda persiapkan.
Nah, bagi Anda yang ingin membeli polis asuransi mobil, ada dua jenis asuransi yang bisa Anda pilih, yaitu Total Loss Only (TLO) dan All Risk. Untuk lebih jelasnya mengenai dua jenis asuransi mobil yang ditawarkan oleh berbagai perusahaan asuransi terbaik di Indonesia, simak ulasannya berikut ini.
1. TLO (Hanya Kerugian Total)
TLO atau Total Loss Only memiliki arti harfiah dari “hanya (jika) kerugian total”. Ini berarti bahwa klaim asuransi hanya dapat diajukan jika terjadi ‘kerugian total’. Dalam asuransi mobil, total kerugian adalah jika kerusakan kendaraan terjadi di atas 75% atau kerugian akibat pencurian atau perampasan. Jika kerusakan yang dialami kurang dari ketentuan yang telah ditetapkan, maka cara klaim asuransi mobil ini tidak bisa dilakukan. Patokan 75% digunakan karena mobil tentu tidak dapat digunakan kembali.
Keuntungan Asuransi TLO
Keuntungan dari total loss hanya asuransi mobil adalah sebagai berikut.
- Biaya premi bulanan yang murah
- Dapat memperluas tanggungan
Kekurangan Asuransi TLO
Kurangnya total loss hanya asuransi mobil adalah sebagai berikut.
- Tidak dapat mengklaim kerusakan kecil
- Tidak dapat mengklaim kapan kecelakaan kecil terjadi
- Tidak dapat mengklaim ketika ada pencurian
- Jika terjadi kerugian, uang tidak diganti 100%.
2. Semua Risiko
Semua Risiko berarti secara harfiah “risiko apa pun”. Ini adalah cara mengklaim asuransi mobil di mana asuransi akan membayar semua jenis klaim kerusakan, mulai dari kerusakan ringan, kerusakan parah hingga kerugian sekalipun. Dengan membayar premi reguler yang telah ditetapkan oleh asuransi, Anda sudah bisa mendapatkan perlindungan penuh dari mobil favorit Anda.
Jenis asuransi ini sangat cocok untuk mobil atau kendaraan yang memiliki nilai tinggi. Karena jika ada kerusakan lecet saja, Anda bisa mengajukan klaim jika memilih asuransi All Risk jenis ini. Tentu saja, Anda tidak perlu khawatir untuk membuat klaim asuransi mobil karena kesalahan Anda sendiri karena manfaat perlindungan asuransi mobil sekarang cukup lengkap untuk berbagai risiko. Selain itu, jenis asuransi ini juga mencakup cara klaim asuransi mobil pihak ketiga. Lalu, asuransi mobil apa saja yang ditanggung?
Keuntungan dari Asuransi Semua Risiko
Keuntungan dari semua asuransi mobil berisiko adalah sebagai berikut.
- Menanggung risiko kerusakan kecil hingga besar
- Menanggung kehilangan mobil
- Lindungi jika terjadi kecelakaan
- Dapat memperluas tanggungan
Kerugian dari Asuransi Semua Risiko
Kerugian dari asuransi mobil all-risk adalah sebagai berikut.
- Biaya premi bulanan cukup mahal
Pada dasarnya asuransi TLO maupun All Risk sama-sama penting untuk melindungi kendaraan dari resiko kerusakan maupun kehilangan. Namun pastikan pilih jenis asuransi yang sesuai dengan kebutuhan dan kemampuan kamu. Pasalnya ada premi setiap bulan yang harus dibayar sebagai jaminan jika sewaktu-waktu kendaraan membutuhkan klaim asuransi. Jangan lupa juga pilih polis asuransi terpercaya agar terhindar dari hal-hal merugikan dan memudahkan saat ingin cara klaim asuransi mobil.
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