Insurance Online Asuransiku
Vehicle Insurance,
Property Insurance,
Life Insurance and
Travel Insurance.
Vehicle Insurance (Cars & Motorbikes)
Accidents are certainly things that everyone wants to avoid, but the risk of accidents is unpredictable when and where. The main factor in the occurrence of accidents is due to human negligence, although the risk of accidents can be reduced by increasing safety when driving. However, it can be understood that this factor also does not only come from you but also can come from other people, the consequences of negligence of others can have a negative impact and pose a risk to you. Therefore, it is important that you have Vehicle Insurance.
1. Vehicle Insurance is types of insurance specifically for vehicles such as cars, trucks, buses, motorbikes etc. that protect you from the risk of loss due to various risks such as accidents, damage, natural disasters, to riots, where your losses will be transferred to insurance companies or guarantor institutions.
2. Comprehensive Insurance (All Risk) is insurance that guarantees all losses or damages in part (minor damage and severe damage) to loss. Comprehensive insurance is supplemented by an extension of insurance or additional insurance, including :
• Riot & Huru - Hara
You will get some compensation for damage to your vehicle caused by riots or riots.
• Terrorism & Sabotage
If your vehicle is damaged by terrorism & sabotage, insurance will compensate you. However, it must also be considered events such as what your insurance guarantees.
• Natural Disasters (Floods, Hurricanes, Earthquakes & Tsunamis, etc.)
If a natural disaster occurs that makes your vehicle destroyed / damaged, you will get compensation such as floods, earthquakes, volcanic eruptions, storms, and all kinds of other natural disasters guaranteed insurance includes if your vehicle is hit by fallen trees. However, insurance may not compensate you if there is an intentional factor, for example, you already know the road you are going to pass through is flooded but you still break through it.
• Third Party TJH Guarantee
This is a compensation term given to another party. Suppose you hit someone else's car and the person is demanding compensation. The insurance company will compensate in accordance with applicable regulations. But if you find that you are drunk (breaking the law) while driving, insurance has the right not to compensate you.
• Driver's Personal Accident Guarantee
Protection provided to drivers such as reimbursement of hospital fees, compensation for permanent disability and death in the event of an accident while driving.
• Passenger Personal Accident Guarantee
Protection provided to passengers such as reimbursement of hospital fees, compensation for permanent disability and death in the event of an accident while driving.
3. Total Loss Only (TLO) Insurance is insurance that only guarantees loss due to loss (theft) of the vehicle or if there is damage due to an accident reaching more than 75% of the price of the vehicle. So TLO insurance will not provide a guarantee for minor damage that occurs to the vehicle.
Also, be aware that both Comprehensive Insurance and Total Loss Only Insurance (TLO) for each claim will be subject to its own risk fee (OR), which itself is the amount of costs that must be incurred by the customer each time when submitting an insurance claim.
Property Insurance
As we know that the building that we have, whether it's a house, office, warehouse, etc. is an investment with a high value. For that it is very important to keep it from the risks that can cause damage and destruction. With the many risks that can just approach the building anytime, to what extent and what efforts have you prepared to overcome it all?
Of course the building requires maximum protection that can apply at any time if the risk befalls your building / property. Property insurance (home / property) is one of the most appropriate steps to keep it so that you no longer need to worry if there is damage or destruction.
Property insurance can provide financial protection to the insured building registered in the insurance policy in the event of damage or destruction, which is caused by risks that are also listed in the property insurance policy.
2 Types of Property Insurance in Indonesia
In general, in Indonesia property insurance is divided into two namely home insurance and business insurance.
Home Insurance
Home insurance is one type of standard property insurance that can provide protection for homes owned by personal (personal).
Based on the Indonesian Fire Insurance Standard Policy (PSAKI) the risks borne by home insurance are:
* Fire
* Lightning
* Explosion
* Fall of Airplanes
* Smoke
Business Insurance
Especially for business insurance has a role that is almost the same as home insurance, but for the type of property that is protected are some of the buildings included in a business, such as:
* Factory
* Shop
* Mall
* Office
And also industrial property such as :
* Factory
* Warehouse
* Mall
Expansion of Property Insurance
* Storm
* Riot
* Protection of valuables
* Protection if an injury occurs to a third party
* Financial protection in the event of damage to the property of the insured
* Temporary residence accommodation if the house / building is damaged and cannot be inhabited again
What is the cost of property insurance premiums?
To calculate property insurance premiums, you must first know what TSI is (Total Sum Insured). Particularly in TSI Property insurance is the total value of the property as a whole, including the price of the building and the contents of the building, the value of this property which will be given to the insured from the insurer (guarantor). The following are examples of the calculation of insurance premium property:
Life insurance
Life Insurance is a form of your love to your family and loved ones. We don't know tomorrow, but the best planning for your family needs to start now.
At Asuransiku.id we will help you get the best insurance and premium guarantees to suit your needs in a very easy and fast way without you having to meet with an insurance agent. This quick and easy process is not only when registering the policy but also when processing claims that we will help escort to completion.
Just fill out the form on this page as complete as possible and Asuransiku.id will present the best offers from trusted insurance companies that are our partners.
Product Features
It is a life insurance product designed to provide protection for Participants with a number of benefits to the Heirs if the Participant dies naturally or an accident during the insurance period resulting in the Participant dying.
Benefits
If in the insurance period the participant dies, the heirs will be given insurance benefits in the form of Sum Insured.
Travel Insurance
Travel Insurance is a type of insurance that provides protection when traveling from starting to returning from the trip.
Travel insurance is very helpful for people who like to vacation and for workers who routinely travel to various places both domestically and abroad. With its nature that can be adjusted periodically and is relatively cheaper than other types of insurance making travel insurance quite a lot of enthusiasts
Scope of Travel Insurance
Travel insurance consists of 2 travel scopes, including :
Overseas
Insurance that guarantees trips abroad in the world (countries that are not areas of conflict / war). Some countries have made travel insurance a condition for tourists who want to visit their country. One of them is when traveling to countries that must have a Schengen Visa, which is a visa that is owned by several countries in the European Continent.
Domestic
Insurance that guarantees travel by land, sea and air while in the territory of Indonesia.
Travel Insurance Protection Type
Travel insurance consists of two types of protection, including:
Individuals
Ensure travel by land, sea or air both abroad and domestically specifically for individual participants (Individual)
Families
Guarantees travel by land, sea or air both overseas and domestically whose participants consist of individuals plus other family members.
Travel Insurance for a Schengen Visa
For those of you who want to travel to a Schengen country on the continent of Europe, my insurance also provides travel insurance that can be used for schengen visa management.
What is a Schengen Visa?
Schengen Visa is a special visa that you must have if you want to explore Schengen member countries in the European Union.
What are the Schengen Member Countries?
25 EU countries Schengen members are Netherlands, Austria, Belgium, Denmark, Finland, Estonia, Hungary, Iceland, Italy, Germany, Liechtenstein, Latvia, Lithuania, Luxembourg, Malta, France, Norway , Poland, Portugal, Czech Republic, Slovakia, Slovenia, Spain, Switzerland, Greece and Sweden.
Travel Insurance Risk Coverage
Here are some coverage of travel insurance risks that you can get:
• Personal Accident ( Personal Accident )
Refunds if there is a risk of death, loss of body parts, or paralysis due to an accident that occurred during the trip.
• Medical expenses ( Medical Expense )
Travel insurance offers the benefits of emergency medicine if you get sick while traveling.
• Medical Evacuation ( Emergency Medical Evacuation )
Providing 24 hour emergency relief facilities around the world.
• Repatriation ( Repatriation of Mortal Remains )
Insurance covers the cost of repatriating the body or the cost of cremation or burial at the location where the death occurred.
• Delay / Trip Cancellation ( Cancellation of Trip )
Protection against delays, delays or cancellations of travel, will be reimbursed in accordance with the provisions in the policy.
• Baggage Loss or Damage ( Loss of Baggage )
Protection for losses incurred as a result of damage and loss of your luggage as well as the items inside and the items you use during the trip.
• Plane hijacking ( Aircraft Hijacking )
• Golf Equipment Damage or Loss ( Damage or Loss of Golf Equipment )
• and others
At ASURANSIKU.id we will help you get the best insurance and premium guarantees to suit your needs in a very easy and fast way without you having to meet with an insurance agent. This quick and easy process is not only when registering the policy but also when processing claims that we will help escort to completion.
Just fill in the form on this page as complete as possible and ASURANSIKU.id will present the best offers from trusted insurance companies that are our partners. Let's entrust your safety and comfort to your family to travel insurance ASURANSIKU.id, the best online travel insurance portal.