Getting to Know All Risk Car Insurance and the Difference with TLO, What is the Best Product?

RADENPEDIA.COM - When deciding to have car insurance, it is important for you to choose the type of vehicle protection that suits your needs. One of the best choices is All Risk car insurance or what is usually called comprehensive. 

What is All Risk car insurance and what are the benefits? Of course, this is one of the questions that often comes to mind.

To find out, we can explore together in the following article. Not only that, you can get information about All Risk car insurance from Roojai .    

Get to know the types of car insurance that are commonly marketed

Before knowing what the benefits of All Risk car insurance are, it is important to understand the types of car insurance available. Apart from All Risk car insurance, there is also Total Loss Only (TLO) insurance, another type of vehicle protection that is often chosen.

Buying All Risk or TLO car protection will of course reduce repair costs if your beloved vehicle is damaged. As is known, there are various risks when driving, both minor and major damage that cannot be avoided.

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When you experience it, it certainly takes quite a lot even if the damage you experience is only abrasions. Not only that, the increasing risk of losing your vehicle also makes car protection even more necessary.
Even so, each type of car insurance on the market has different protection coverage. Of course, choosing one depends on your needs and preferences.

Difference between All Risk Vs TLO Car Insurance

The difference between All Risk car insurance and TLO insurance lies in the scope of protection provided.

All Risk car insurance provides protection against various risks, both light and serious, including damage due to accidents and theft insurance. Meanwhile, TLO insurance only provides protection against total damage due to accidents.

This means that the insurance company will only pay TLO claims if the damage suffered is above 75 percent. For example, you have an accident that means your car can no longer be driven.
Even though it offers more comprehensive benefit coverage, you have to pay All Risk car insurance premiums which are more expensive than TLO. Even so, of course the benefits obtained are more than TLO insurance.

Reasons for Having All Risk Car Insurance and Tips for Choosing It

Why should you choose All Risk car insurance? The answer is, there are several underlying reasons why All Risk car insurance is the best choice.

First, All Risk car insurance provides additional protection for you in an accident. In addition, you also have legal responsibility towards third parties involved in the accident.

Protection against damage and theft is also an advantage. Even so, choosing All Risk car insurance requires careful consideration.

Some tips that can help you choose the best product are to pay attention to the premium price, reputation of the insurance company, policy terms and conditions, ease of insurance claims, and wide range of protection coverage.

Coverage of All Risk Car Insurance Benefits

The benefits of All Risk car insurance include protection against various risks, ranging from damage due to accidents, theft, to legal liability towards third parties.

Plus, you also get 24/7 emergency service and a sense of financial security in the event of an accident or car damage. Lastly, to buy the best All Risk car insurance in Indonesia, you must pay attention to the premium price according to your budget.

Not only that, the reputation of the insurance company in handling claims, clear policy terms and conditions, ease of insurance claims, and the wide range of protection coverage offered are other important tips to understand.

Recommendations for the Best All Risk Car Insurance Options

Choosing the best All Risk car insurance is not difficult. Because Roojai online insurance is one of the best options that is important to consider.

As an insurance company officially registered with the Financial Services Authority (OJK) and experienced as a well-known insurtech in Thailand, Roojai offers policy prices that are very affordable and easy to adjust to its customers' needs.

With its easily accessible services through the application, you can buy a policy anytime and anywhere. So, don't hesitate to choose Roojai as your vehicle protection partner!