Many think that what needs to be insured is a car. Motor is not necessary. In fact, motor vehicle insurance is necessary, whether it's a car or a car.
Many argue that the price of a car is expensive. Repair costs are also expensive. That's why the car needs to be insured. Meanwhile, the motorbike is cheap. Repair costs can be borne by yourself.
Maybe that's what you're thinking too. However, try to imagine the losses you might experience. For example, let's say your new motorbike is stolen. Especially if you haven't finished the motorbike yet. You still have to complete a motorcycle loan while you no longer own a motorcycle. It's like saying, you fall down the stairs too.
Therefore, in terms of losses, you both lose, whether it's a motor vehicle that you have a motorcycle or a car.
You will be even more sure if you know the following facts.
Two Reasons Why You Need Motor Vehicle Insurance
In your opinion, which is the most common between motorcycle theft and car theft? It's confirmed the motor, right? This is because the number of motorbikes is more than the number of cars. This makes the possibility of car theft more likely than car theft.
Besides, stealing a motorbike is much easier. It's different from stealing a car. A thief needs special skills such as how to unlock a car, turn off the alarm, and so on. To steal a car, criminals usually only need a T key.
This is not an assumption. There is valid data. In 2018, motorcycle thefts rose by 45.7%. And this kind of incident does not only happen in big cities but also small towns. Even the sub-district and village levels.
That's the first reason. Then, the second reason, the risk of accidents on the highway by motorcyclists is also high. According to police data, 75% of accidents are dominated by motorcycle users.
From these two facts, still don't want to take motorcycle insurance?
Maybe you doubt if it turns out that your motorcycle insurance premium burdens you financially. But it is not. To be sure, the insurance premium you have to pay is much lower than the insurance premium for the car.
How Much Does Motorcycle Insurance Cost?
How much insurance premium do you have to pay? Take it easy. To determine motor vehicle insurance premiums, there are several factors used.
Motor Insurance Type
You can choose one of three types of motorcycle insurance. The first is the type of TLO or Total Loss Only insurance. This is a type of insurance where you will get dependents from the insurance in case of serious damage or loss.
The second type is All Risk . Almost all damages, whether small or large, are borne by the company. Likewise if your car was snatched by someone.
The last type of insurance is Extra Protection . Not only loss, minor damage, and major damage will be covered, but the expansion of other guarantees such as accident compensation, third party legal liability, and so on.
Of the three types of insurance, the cheapest premium is the first, namely the of motor vehicle insurance TLO However, type is only one of the many factors that determine insurance premiums.
Vehicle Year
Another factor that determines the motor insurance premium is the year your motor vehicle was made. The older your motorbike is, the higher the insurance premium is likely to be. Logically, the older the motor, the higher the risk of damage. That's what makes insurance companies set high insurance premiums.
Motor Type
For a big cc motorbike, for example, of course the insurance premium is different from a motorbike with a small cc. Therefore, when you apply for motorcycle insurance, you will be asked to notify the type of motorcycle you insure.
number plate
The location where your motorcycle is registered determines the motor insurance premium. This is related to the potential for theft and the potential for accidents. In a big city with traffic jams, the potential is high. So the premium is high.
Motorcycle Use
Is the motorbike you are using a personal motorbike? The insurance premium is different from a motorbike for business trips.
In addition to premiums, there are usually administrative costs as well. These administrative costs differ from motor vehicle insurance to another.
Want to know how much your motorcycle insurance premium will be? You can do the simulation yourself. Just visit the motor insurance website, check premiums and take advantage of the motor insurance simulation .
It's a kind of calculator feature that will tell you how much motorcycle insurance premium you have to pay. In doing the simulation, you will be asked to enter data as described previously, such as year of manufacture, type of motor, license plate, usage and so on.
To be sure, it is not wrong if in this day and age you insure your motorcycle. You definitely don't want to have to spend more money to make repairs or even buy a new motorbike again because you have experienced theft.
Especially if you have a new motorbike that is expensive. You definitely don't want
your car to be stolen, do you? Provide protection by taking a motor vehicle insurance policy. Thus, you will be calmer when driving. You no longer worry if you have to leave your motorbike in a public parking lot. In addition to protection from security officers, there is also protection from insurance.