Tips Sahabat

Know the Types of Car Insurance & Their Benefits, Let's Choose the Best One!

10 April 2025
Ketahui Jenis Asuransi Mobil & Manfaatnya, Yuk Pilih yang Terbaik!

Car accidents can happen anytime and to anyone. Therefore, for most people, having car insurance is important as a protective measure. However, some people do not feel the need for it. If you are starting to be interested in using car insurance services, you need to know the types of car insurance along with their benefits to suit your needs. For more details, it will be explained in depth as follows.

Types of Car Insurance

There are several types of car insurance that you need to know. Here are the complete types.

1. Comprehensive Policy Insurance

This insurance has a fairly broad coverage because the protection provided covers both first and third parties. It covers all risks related to vehicle accidents caused by human error or natural disasters.

2. Personal Risk Coverage Insurance

This type of insurance will only provide protection to the car owner.

3. Co-passenger Protection Insurance

This type of insurance will only provide protection or liability to the driver or passengers in the event of death or disability. The compensation provided is usually 100%.

4. TLO (Total Loss Only) Insurance

This type of car insurance can only be applied when the car owner’s vehicle is lost. Total loss refers to loss caused by theft or robbery. Or when the car suffers damage exceeding 75%.

If the damage to your car is less than 75%, you will not receive compensation from the TLO insurance.

5. All Risk Insurance

This type of car insurance will pay compensation for all damage claims. Whether it is minor damage, major damage, or even loss of the car. The many advantages provided by all risk insurance are certainly commensurate with the price you have to pay.

All risk insurance can also be further expanded. You only need to pay an additional premium. This way, you can get coverage for damage claims due to natural disasters, riots, sabotage, terrorism, and more. 

Read Also: Can You Claim Insurance for a New Car That Suddenly Rusts?

Benefits of Car Insurance

Here are some benefits you will get if you use car insurance.

1. Provides a sense of security and guarantees against loss risks

The first benefit is that you will feel safe and calm because you will receive protection when you experience an accident or car theft.

The insurance company will provide compensation or reimbursement according to the type of insurance you participate in. This way, the burden on insurance users can be reduced 

2. Improves financial management skills

When you use car insurance, you will need to pay insurance premiums regularly. This way, you will become more frugal and careful when spending money. This can have a positive impact on your financial management skills.

Read Also: Is Your Car Scratched? Don't Worry, Here Are 6 Ways to Claim Scratched Car Insurance

3. An investment vehicle

Every insurance certainly has a contract period. This can become your investment in the future when the contract period ends. If during the contract period your car or yourself is in good condition, the insurance company will return the funds you paid at the end of the contract period.

Thus, some benefits of having car insurance, if you are interested in using it. You need to know the credibility of the insurance service you want to choose. Do some research first to get the best insurance service. Then, choose the type of insurance according to your needs. And pay attention to the cooperation contract provided before you sign the contract. For more details on how to choose the right insurance, you can see the discussion here.

Others Tips Sahabat
Nama-Nama Kunci Bengkel Beserta Gambar dan Fungsinya
12 Workshop Key Names Along with Images and Their Functions
Knowing the names of workshop wrenches along with their functions can provide insight and benefits for you. This is because you will need some of these tools when you want to repair car components on
Jadwal SIM Keliling Jakarta Timur
Schedule for Mobile SIM in East Jakarta and Latest Locations 2024
When will the mobile driver's license service in East Jakarta be held again in 2024? For more details, please pay attention to the following schedule.

Latest Schedule and Location for Mobile Drive

kode plat nomor belakang kendaraan
Vehicle License Plate Code and Its Region in Indonesia
License plates are a type of motor vehicle identification issued by the police (Korlantas Polri). Every vehicle such as motorcycles and cars must have a corresponding license plate. This is regulated
cara kerja power steering
How Does Power Steering Work? Here is the Explanation
Power steering is one of the components in a car, whose working system helps the driver to easily maneuver the vehicle. Power steering also receives power from the engine to move th
© Copyright 2025 PT Astra Daihatsu Motor. All rights reserved
Privacy Policy
Contact Us