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Tips for Choosing and Buying All Risk Car Insurance

The increasingly affordable prices of cars on the market and the importance of community mobility make these vehicles no longer fall into the category of tertiary goods (luxury). Almost everyone needs this private transportation as the main mobility. 

Tips for Choosing and Buying All Risk Car Insurance

In fact, it's not just the rich who own a car, the middle class community has now started to make a car a fairly important need. Therefore, it is natural that we must protect what is important in our lives, such as health, shelter, including vehicles. 

So what protection is right for our car? There are two choices of vehicle insurance that you can choose, all risk car insurance, and TLO (total loss only). Well, in this article, the Jayabadi blog will provide tips on choosing and buying all risk car insurance. Read more in the article below.

Tips for Choosing and Buying All Risk Car Insurance

In order to get maximum car protection, you need to apply the following tips in choosing and buying all risk car insurance.

1. Choose a Credible and Trusted Insurance Company

A credible and trusted company will provide maximum service to its customers. In addition, buying insurance from a trusted company will be able to minimize the emergence of risk in the future.

2. Know the Clarity of the Policy Well

Before actually buying a policy with a certain premium, make sure you clearly know the contents of the policy. Many people feel cheated by insurance products just because they don't understand the contents and terms of the policy.

3. Pay attention to the budget and its suitability with the benefits offered

Paying attention to the budget and suitability with benefits is also important so that you don't regret it later. Do not let you feel that the cost of insurance with the benefits obtained are not comparable.

4. Avoid choosing products that do not cover all types of risks

Safe insurance products certainly cover all types of risks. So make sure the product you buy really covers all the risks with a reasonable budget.

5. Know What is Own Risk (OR) Cost

Own risk costs are costs that must be borne by the policy owner personally for certain risks. You need to know these fees and the amount before actually signing the policy.

6. Pay attention to the exceptions to the policy that will be mutually agreed

In the policy, there will generally be an exception that contains any risks that are not covered by the insurance. Read carefully and make sure the content really matches expectations.

7. Choose the product with the most benefits for your needs

Good insurance is insurance that suits your needs. Avoid buying insurance products that don't suit your needs because they're wasted. The cost for the vehicle that you spend can be redundant.

8. Choose Companies and Products That Cooperate With Extensive Network/Workshop Partners

You will have difficulty making a claim if the insurance does not provide a workshop with an extensive network. The reason is, the existence of a widely spread partner workshop is very important.

9. Choose Products with Easy Claim Process

Finally, choose an insurance product that has an easy claim process. The easy claim process can save you time and energy.

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