The important thing for you to know before choosing car insurance is that you will only get accident insurance. In this case, different guarantees for each type of insurance.
There are two types of car insurance; namely TLO car insurance and All Risk car insurance. Each has advantages and disadvantages. However, before knowing what are the advantages and disadvantages of each type of insurance, you need to first know the accident insurance that is covered.
Guarantees Provided by TLO Insurance
There is a negative impression about TLO (Total Loss Only) car insurance. Some say that buying a TLO car insurance policy is bearable. The reason is that the accident coverage is less extensive.
Then, hearing this opinion, many people finally choose All Risk car insurance. However, the facts are the same. When taking All Risk insurance, there is a feeling like expensive insurance premiums are just given to the insurance company. impression useless is felt when they never make a claim. Because for a whole year, the car has never had an accident.
There will always be feelings of disappointment if you think like that. Just as most people are apathetic about car insurance.
That's not the important point though. Buying car insurance, whether it's TLO or All Risk is a way to manage finances. Imagine if you didn't post for car insurance. How much of your savings may be depleted when you have an accident.
By buying car insurance, at least you get accident coverage. You can be more calm and manage your finances for other things.
Isn't that the calm you need? When you are calm because you have insured your car, you can move more comfortably. When you work quietly, your productivity will increase.
Well, if that's your understanding when buying insurance, you can be more objective. You will be wiser whether to choose TLO or All Risk. No more feeling of loss. You are sure to get the benefits.
If you are constrained by financial problems, of course the right choice is to buy a TLO insurance policy. Compared to TLO All Risk insurance, insurance premiums are clearly cheaper.
How come?
Because the guarantee provided by TLO insurance is narrower. Only two are guaranteed. The first is theft. If your car is stolen, please file a claim.
The second is accident insurance. That's all if the damage to your car is major. At least 75% of your car is damaged. Please submit a claim so that the compensation money can be immediately given by the company.
Because that's the only two guarantees provided, the insurance premiums are cheaper. In contrast to All Risk which provides coverage for small to large damage.
It's Wise If You Choose TLO Car Insurance
This little coverage is what makes many people consider this type of car insurance that bears it. It's actually not.
There is also a good side, you know, besides getting compensation in the event of a serious accident and theft. What are the good sides of it?
You Will Be More Careful When Driving
Because there is no coverage for minor accidents, you will automatically remain careful when driving. As much as possible you avoid minor accidents such as bumping into another car. Because if the car body is scratched, there is no compensation from the insurance company.
No Burden
There are a lot of annual fees that you have to pay. For example, the annual car tax. If you have more than one car, the more budget you have to spend.
Not to mention income tax when you report your TIN. There is also a land and building tax. Plus insurance premiums.
Do not underestimate this because you only pay once for one year. Imagine if you have to pay all of it in the same month. The budget you have to spend must be a lot, right?
Therefore, it is very appropriate if you choose TLO insurance. You've got accident insurance without having to drain the contents of the bag.
Easier Insurance Application
When you apply for All Risk , there are lots of coverages that will be guaranteed by the insurance company. That means the company needs to study it all and adapt it to the condition of your car.
The more things that need to be learned, the longer the sale of insurance. And if there is one problem, it is likely that the insurance application is rejected.
In contrast to TLO car insurance. There are only two guarantees, namely major loss and damage. If both are clear, then your TLO car insurance will be approved immediately.
There are indeed disadvantages of TLO car insurance. In addition to not being able to claim minor damage, major damage due to floods, brawls, or natural disasters is also not guaranteed. In this case, you can apply for an extended warranty. The additional premium is not so high. So, this expansion deserves your consideration.
To find out how much your TLO car insurance premium is, please do the calculation through a car insurance simulation . You just enter the data about your car. Then, choose TLO insurance. Click the calculate button. Then the price of your car insurance premium will appear.
You can immediately continue filling out the registration form. At Premium Check, you can also insure your car online. Just fill in the registration form, pay the premium, and you're done. Your car is insured.
Easy, isn't it?
To be sure, you can rest easy because there is an accident guarantee. And you don't have to spend a lot of money to buy a TLO car insurance policy. So, when do you insure your car? The important thing for you to know before choosing car insurance is that you will only get accident insurance. In this case, different guarantees for each type of insurance.
There are two types of car insurance; namely TLO car insurance and All Risk car insurance. Each has advantages and disadvantages. However, before knowing what are the advantages and disadvantages of each type of insurance, you need to first know the accident insurance that is covered.
Guarantees Provided by TLO Insurance
There is a negative impression about TLO (Total Loss Only) car insurance. Some say that buying a TLO car insurance policy is bearable. The reason is that the accident coverage is less extensive.
Then, hearing this opinion, many people finally choose All Risk car insurance. However, the facts are the same. When taking All Risk insurance, there is a feeling like expensive insurance premiums are just given to the insurance company. impression useless is felt when they never make a claim. Because for a whole year, the car has never had an accident.
There will always be feelings of disappointment if you think like that. Just as most people are apathetic about car insurance.
That's not the important point though. Buying car insurance, whether it's TLO or All Risk is a way to manage finances. Imagine if you didn't post for car insurance. How much of your savings may be depleted when you have an accident.
By buying car insurance, at least you get accident coverage. You can be more calm and manage your finances for other things.
Isn't that the calm you need? When you are calm because you have insured your car, you can move more comfortably. When you work quietly, your productivity will increase.
Well, if that's your understanding when buying insurance, you can be more objective. You will be wiser whether to choose TLO or All Risk. No more feeling of loss. You are sure to get the benefits.
If you are constrained by financial problems, of course the right choice is to buy a TLO insurance policy. Compared to TLO All Risk insurance, insurance premiums are clearly cheaper.
How come?
Because the guarantee provided by TLO insurance is narrower. Only two are guaranteed. The first is theft. If your car is stolen, please file a claim.
The second is accident insurance. That's all if the damage to your car is major. At least 75% of your car is damaged. Please submit a claim so that the compensation money can be immediately given by the company.
Because that's the only two guarantees provided, the insurance premiums are cheaper. In contrast to All Risk which provides coverage for small to large damage.
It's Wise If You Choose TLO Car Insurance
This little coverage is what makes many people consider this type of car insurance that bears it. It's actually not.
There is also a good side, you know, besides getting compensation in the event of a serious accident and theft. What are the good sides of it?
You Will Be More Careful When Driving
Because there is no coverage for minor accidents, you will automatically remain careful when driving. As much as possible you avoid minor accidents such as bumping into another car. Because if the car body is scratched, there is no compensation from the insurance company.
No Burden
There are a lot of annual fees that you have to pay. For example, the annual car tax. If you have more than one car, the more budget you have to spend.
Not to mention income tax when you report your TIN. There is also a land and building tax. Plus insurance premiums.
Do not underestimate this because you only pay once for one year. Imagine if you have to pay all of it in the same month. The budget you have to spend must be a lot, right?
Therefore, it is very appropriate if you choose TLO insurance. You've got accident insurance without having to drain the contents of the bag.
Easier Insurance Application
When you apply for All Risk , there are lots of coverages that will be guaranteed by the insurance company. That means the company needs to study it all and adapt it to the condition of your car.
The more things that need to be learned, the longer the sale of insurance. And if there is one problem, it is likely that the insurance application is rejected.
In contrast to TLO car insurance. There are only two guarantees, namely major loss and damage. If both are clear, then your TLO car insurance will be approved immediately.
There are indeed disadvantages of TLO car insurance. In addition to not being able to claim minor damage, major damage due to floods, brawls, or natural disasters is also not guaranteed. In this case, you can apply for an extended warranty. The additional premium is not so high. So, this expansion deserves your consideration.
To find out how much your TLO car insurance premium is, please do the calculation through a car insurance simulation . You just enter the data about your car. Then, choose TLO insurance. Click the calculate button. Then the price of your car insurance premium will appear.
You can immediately continue filling out the registration form. At Premium Check, you can also insure your car online. Just fill in the registration form, pay the premium, and you're done. Your car is insured.
Easy, isn't it?
To be sure, you can rest easy because there is an accident guarantee. And you don't have to spend a lot of money to buy a TLO car insurance policy. So, when do you insure your car?