Cheap Extended All Risks Insurance

Safe driving habits can protect you. But it was not enough. You have been careful but the causes of accidents and calamities would not come from you. You need Insurance services, so you will be able to continue the comfort of your life after loss or damage. Especially if you live in big cities, auto Insurance is required. Traffic congestion, high speed driving, carelessness of yourself and others, vandalism, car theft and many unexpected acts have contributed to chances of the calamity that befall.

Driving without car insurance is a very risky action. The cost due to an accident or loss due to theft if not protected by auto insurance and have to bear your own must be very troublesome and burdensome.

Population of car is being higher in Jakarta while there is hardly length highway added. Some streets was more narrowed due to many on-street parking or business activity causing an increase in risk of accidents. According to data of the Police Office : "Traffic accident is the number one killer machine in Indonesia."

Extended Car Insurance Package

Extended Takaful car insurance is more benefits including New Car Benefit, Personal Accident, Medical expences, Legal Liability to third party, emergency damages, natural disasters, riots, sabotage etc. Insurance premium is managed in accordance with Shariah principles and added profit sharing clause.

Closure of The Car Insurance Package

An example of offer the package

Insured Name : Mr. Hamid
Occupation : Isuzu Panther S4F TBR Turbo LS 2007
Cover Price : IDR. 151 000 000, -

Rate of value assured IDR. 151 million to 300 million is 2.51%

Calculation of Car Insurance Premiums

Basic Premium : IDR. 151 million x 2.51% = IDR. 3,790,100, -
Policy Fee and Stamp : IDR. 37,000, -

Total Premium = IDR. 3,827,100, -

Benefit and Additional Services :

–	ALL RISKS COMPREHENSIVE : * Collision, crash, impact, reversed, slip or fall * Malicious Acts and / or theft, including those that preceded or followed by violence or threat * Fire as a result of the fire other nearby objects, vehicle storage area or a lightning strike * Damage due to water spraying fire extinguisher * The destruction of the vehicle due to spreading preventive action fire * Losses due to sinking of the ferry official.
–	Personal Accident for the driver of a maximum IDR. 15 Million
–	Personal Accident for passengers, maximum IDR. 5,000,000 per person with a maximum passenger 7 persons.
–	Ambulance Costs and car towing fees due to accident unlimited
–	Emergency Repairs cost maximum of IDR. 500,000
–	Medical expenses due to accident at the time are in vehicle insured, maximum IDR. 5,000,000 for all passengers and / or driver with maximum IDR. 1,000,000 per person per event.
–	Transportation reimbursement per day IDR 200.000 starts from day to 11 calendar since the car in garage that has been agreed upon, the maximum 10 days replacement period. Reimbursement paid after car was repaired by the garage.
–	You can choose an authorized repair shop or partner garage.
–	New Car Benefits Maximum age is 6 months from an authorized dealers as new car.
–	Flood and Windstrorm.
–	Earthquake, Tsunami and Volcanic Eruption ( ETVE ).
–	Terrorism and Sabotage.
	Strike, Riot, Civil Commotion ( RSCC ).
–	Third Party Liability IDR. 25,000,000.
–	24 Hours claim assistance.
–	Profit Sharing Clause.

Deductible

Deductible of Partial loss or Constructive Total Loss minimum IDR. 200,000.
Deductible of Total Loss due to theft : 10% of claim.
Deductible of Flood and Windstorm : 10% of Claim, minimum IDR. 200,000.
Deductible of Eathquake, Tsunami and Vulcanic Eruption : 10% of Claim, minimum IDR. 200,000.
Deductible of Terrorism and Sabotage :
1) 5% of Sum Insured for Total Loss
2) IDR. 200,000 for Partial Loss
Deductible of Strike, Riot, Civil Commotion :
1) 5% of Sum Insured for Total Loss
2) IDR. 200,000 for Partial Loss