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Tips for Choosing the Best All Risk Car Insurance and Recommendations

One way to protect vehicles, especially cars, is to have car insurance which includes protection against potential or risk of loss resulting from accidents, theft and damage, or what is usually called all risk car insurance .

There are several types of all-risk car insurance provided by various insurance services with different offers, making us wonder, which is the best car insurance that suits our needs?

Through this article, we provide guidance and tips for choosing the best all risk car insurance , including several recommendations for car insurance services that you can consider.

How to Choose the Best All Risk Car Insurance According to Your Needs

how to choose all risk car insurancePhoto: Pexels

Before deciding to choose one of several car insurance service options, the best step is to compare them first, because by comparing car insurance offers, it will be easier for us to find the most suitable product.

In contrast to total loss only insurance , all risk car insurance has more advantages. The following are several things you need to pay attention to when choosing all risk car insurance .

1. Make a comparison

Comparing offers from various all risk car insurance services is very important, because each service has different types of products, with protection coverage that is also different from one another.

The first step you need to take is to make a list of what needs are needed for vehicle protection, then choose an all risk car insurance service based on these needs.

Next, look for an all-risk car insurance service that best suits your needs, or at least one that has the protection closest to your needs. 

If you still don't have an idea, then pay attention to the type of vehicle you own, for example sedan, MPV, SUV and so on, as well as the frequency of vehicle use, whether it is used every day, or only at certain times. From there, you can determine what your needs are.

2. Consider the Reputation of the All Risk Car Insurance Service Provider

The track record of an all-risk car insurance service provider is very important to pay attention to, because by choosing a company with a good reputation, the safety of your vehicle is guaranteed.

Look for information regarding how to handle claims at the all risk car insurance service provider . If you have more time, also read other customer experiences that you might find on social media.

3. Understand the All Risk Car Insurance Product You Choose

Every all risk car insurance service provider generally has the same type of protection. However, it should be noted that there will be differences in the terms and conditions of the insurance. In addition, you also need to understand the scope of protection and its value.

Make sure you understand what you get from the product or type of all risk car insurance you choose, and make sure there are no ambiguous provisions or other additional costs beyond what you need.

Best All Risk Car Insurance Service Recommendations in 2023

how to choose all risk car insurancePhoto: Pixabay

After carrying out the steps on how to choose all-risk car insurance according to your needs as described previously, the next step is to choose a service provider that best suits your vehicle protection needs.

Below are some recommendations for the best all-risk car insurance service providers that we have curated based on the type of service, the offers provided, including the advantages and disadvantages of each.

1. Guard Auto

This recommendation for the first all risk car insurance service provider is quite popular among vehicle owners, especially cars. Garda Oto has two vehicle protection products, namely Total Loss Only (TLO) and Comprehensive .

Comprehensive Protection at Garda Oto is divided into 3 types, namely Lite Package Comprehensive , Comprehensive , and Premium Package Comprehensive . For all risk car protection , you can choose the Premium Package Comprehensive package .

Excess : 

  • Affordable premiums.
  • Providing easy payment options, with no additional fees.
  • Service is available 24 hours.
  • It has many Garda Centers spread throughout Indonesia.
  • The claims process can be done online or in person.

Lack :

  • Home survey services are only available in the Jakarta, Bogor, Bandung and Surabaya areas.

2. Insureka

Insureka is a car insurance service provider that offers various types of protection products, namely Comprehensive Basic , Comprehensive Premium , Total Loss Only (TLO), Catastrophic Policy, and Hybrid Coverage (TLO + Comprehensive ).

The process of purchasing an insurance policy at Insureka can be done anywhere, without the need for a survey, making it very easy for customers. Apart from that, the types of coverage can also be customized according to the different needs of each customer.

Excess :

  • The first hybrid insurance service provider in Indonesia.
  • Electronic policy issuance within 24 hours
  • Call center service and 24-hour emergency assistance.
  • Easy claims process, with pick-up and drop-off service.
  • Have an authorized workshop
  • 6 months guarantee for repair and replacement of original parts

Lack :

  • The new service is available for the Greater Jakarta, Bandung, Semarang, Yogyakarta, Solo, Surabaya, Malang, Medan, Pekanbaru, Palembang, Batam, and Makassar areas.

3. Zurich

Zurich is known as a provider of Autocillin car insurance services that has 3 main products, namely Total Loss Only (TLO) Guarantee, Comprehensive Guarantee , and Comprehensive Plus Guarantee . All three provide compensation for damage due to accidents, fires, and theft, with different values.

In addition, the Comprehensive Plus Guarantee provides additional compensation for damage and losses mentioned above, which includes protection against the risks of typhoons, floods, storms, hail, landslides, earthquakes, tsunamis, volcanic eruptions, riots, civil commotion, as well as personal and passenger accidents.

Excess :

  • Providing types of services that can be tailored to every need.
  • Easy claim submission via the Autocillin Mobile Claim application.
  • Monitor the claim process via the Autocillin Mobile Claim application.
  • Car replacement for total damage within the first 6 months of the protection period.
  • Lifetime guarantee for paint at Autocilin Garage during the protection period.
  • Car shuttle service.

Lack :

  • Some users complained about a less than optimal user experience when using the application.

4. Sinarmas Car Insurance

Sinarmas car insurance provides 2 types of services, namely Comprehensive Guarantee and Total Loss Only (TLO) Guarantee. Both types of services can be expanded in scope, to suit your needs.

In the Combined Guarantee service, Sinarmas also provides compensation for losses caused by accidents during crossings by ferry, or other crossing equipment under the supervision of the Director General of Land Transportation.

Excess : 

  • Accepting cars over 10 years old.
  • Providing towing facilities and a 24-hour call center .

Lack :

  • The vehicle age limit for Combined Guarantee is more than 5 years, subject to a minimum loading premium of 5% per year.
  • Vehicle age limit for TLO Guarantee of more than 10 years is subject to a minimum premium loading of 5% per year.

5. Central Asia Insurance (ACA)

ACA car insurance is one of the recommended all-risk car insurance providers with premiums starting from IDR 3 million per year. For its own insurance products, ACA offers 2 types of products, namely Comprehensive and Otomate .

Comprehensive is a type of all risk car insurance which includes coverage for compensation or repair costs for partial or total loss or damage caused by external factors such as falling objects, collisions, collisions and traffic accidents.

In addition, comprehensive insurance also provides compensation for fire, malicious acts, theft, and robbery. Meanwhile, for Otomate , this guarantee is a vehicle insurance product that is specially packaged in the form of a package.

Excess :

  • Replacement car service facilities, emergency repairs, to towing for Otomate products .
  • Comprehensive liability risk for Otomate Solitaire products .
  • Has more than 400 partner workshops throughout Indonesia.

Lack :

  • The maximum age of the vehicle is 7 years.

By following the tips in this article, it is hoped that you will be more careful when choosing an all-risk car insurance provider service , so that you can make the right decision according to your needs.

By choosing the right all risk car insurance provider service   , we will not be burdened with costs outside the budget . In addition, as a car owner, we can be calm because all needs are well covered.

We hope these tips from us are useful, OK?

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