Important! These Are A Number Of Risks Not Guaranteed By Motor Vehicle Insurance

Having a car is certainly an asset that needs to be properly maintained, one way is to protect it with vehicle insurance, to reduce the risk of cost if an accident or unwanted incident occurs that causes damage to the vehicle.

However, before agreeing to use insurance, every car owner must understand the contents of their vehicle insurance policy, observe the types of coverage, the extent of guarantees, and the risks that are excluded, as stated in the Indonesian Motor Vehicle Insurance Standard Policy (PSAKBI). This is because not all risks or causes of damage can be borne by the insurance.

"By understanding this exception, policyholders can make more appropriate decisions, including considering expansion of guarantees if needed. Reading and understanding the overall content of the policy is an important step in ensuring optimal vehicle protection," said Astra Vivi Evertina's Asuransi Product Management Manager, quoted by ANTARA, Wednesday.

At a media conference at Hotel Santika ICE BSD City, Tangerang, Garda Oto, Astra Insurance products, provided several risks that were excluded from motor vehicle insurance policies, according to the PSAKBI reference.

"Because it often happens, for example, a younger brother who is fighting with his brother, then damages his brother's car, this is generally the cause of insurance cannot be claimed," said Vivi.

"This is why it's very important to have a SIM, if you want to use vehicle insurance," Vivi said.

Some insurances, have special protection or insurance with special types of policies that match the operational risks of online taxis or other commercial vehicles.

Conditions such as earthquakes, tsunamis, and volcanic eruptions are an extraordinary risk of natural disasters and are excluded in policy. However, this condition could be borne by certain conditions and requires the expansion of special guarantees due to the massive and unexpected level of damage.

The same applies to disasters such as floods, landslides, and hurricanes.

In addition, riots and riots are social risks that require additional protection because they are often mass destructive and difficult to control, as well as sabotage and terrorism.