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The Famous Car Insurance in Indonesia

THE FAMOUS CAR INSURANCE IN INDONESIA


By : Ririn Sholiha

Insurance is a term used to refer to the act, system, or business where financial protection (or financial compensation) for life, property, health and so on, get a replacement from the events that can not be expected to occur such as death, loss, damage or illness, which involves the payment of premiums on a regular basis within a specified period in exchange for a policy that ensures the protection.

Insurance or in Dutch “Verzekering” which means the coverage. In Article 246 Code of Commercial Law (businesses) or Wetboek Van Koophandle, that insurance or coverage is an agreement by which a person committed to the insured person to receive the premiums to provide reimbursement to him for any loss, damage or loss of profits, which might be expected to be fined for an indeterminate event. This provision applies to all types of insurance, both of which exist in the Code of Commercial Law (businesses), as well as existing outside the Code of Commercial Law (to businesses).

There are three (3) absolute elements to consider in Article 246 of the Code of Commercial Law, namely :

1. The existence of Interest
Interest is insured object, and a subjective right which may be lost or reduced, because the occurrence of an uncertain event or uncertain. Interest element is the element that absolutely must exist on each insured, either at the time of closing of the insured or when the avemen.

2. Any event not Sure
Elements of indeterminate events in life insurance, death is an event that will definitely happen, which is not specified is “when” death will come true. Indeterminate events in new life insurance there if the person committed themselves to pay, if death comes more than a short period of time and likely duration of life is concerned. As with the insured loss events there because it is an event which, according to human experience can not be expected to occur.

3. The existence Losses
Granted indemnity insurer can not actually be regarded as a compensation, because of people who receive no compensation received compensation in accordance with the earnest suffered losses. Of compensation is actually the result of the determination of certain amount of money which the parties agreed.

So giving money by the insurer is not purely an indemnity, because the human soul is not possible to assess with money. The formulation of the definition of insured in Article 246 of Law Code of trade (businesses) apply for all kinds of insurance, thus applicable to the insured for any loss or sum insured, or life insurance. The following information will be given to one of the famous car insurance in Indonesia, may be useful :

 

 

1. Allianz Auto Insurance
Company : PT. Asuansi Allianz Utama Indonesia
Phone : (021) 292 699 99

General protection :
Accident : collision, collisions, overturned, skidded
Misconduct : theft, robbery, riot, terrorism
Natural disasters : floods, hurricanes, earthquakes, lightning strike

2. ABDA Auto Insurance
Company : PT. Asuransi Bina Dana Arta Tbk.
Phone : (021) 514 016 88

General protection :
Accident : collision, collisions, overturned, skidded
Misconduct : theft, robbery, riot, terrorism
Natural disasters : floods, hurricanes, earthquakes, lightning strike

3. AXA Auto Insurance
Company : PT. AXA Insurance Indonesia
Phone : (021) 579 367 70

General protection :
Accident : collision, collisions, overturned, skidded
Misconduct : theft, robbery, riot, terrorism
Natural disasters : floods, hurricanes, earthquakes, lightning strike

4. ACA Auto Insurance
Company : PT. Asuransi Central Asia
Phone : (021) 569 982 88

General protection :
Accident : collision, collisions, overturned, skidded
Misconduct : theft, robbery, riot, terrorism
Natural disasters : floods, hurricanes, earthquakes, lightning strike

5. Autocillin Auto Insurance
Company : PT. Adira Insurance
Phone : (021) 390 345 6

General protection :
Accident : collision, collisions, overturned, skidded
Misconduct : theft, robbery, riot, terrorism
Natural disasters : floods, hurricanes, earthquakes, lightning strike

 

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