How to choose the best car insurance for taxis online? taxi online to car insurance.
Therefore, if previously your car was registered with insurance as an individual for an individual, then after changing the function to an online taxi you want to submit a claim, then your claim can be rejected.
But don't worry because the following will explain the change of car insurance from individual to commercial, the amount of premium, how to apply for car insurance for online taxis, TLO or All Risk Insurance, and tips on choosing car insurance.
Change of Car Insurance from Individual to Commercial
Using a private car into an online without informing the insurance company, can forfeit the insurance that you previously purchased.
If something happens to your car, the insurance company can reject the claim and the damage costs cannot be covered. This is due to a change in the function of the car, which is to become a commercial vehicle where the car has a higher risk than personal use.
In addition, the insurance company considers you to have violated the agreement because you use the car outside the initial agreement stated on the insurance policy.
This is apparently stated in the Indonesian Motor Vehicle Insurance Standard Policy (PSAKBI) which states that insurance protection will fail if it is caused by use other than what is stated in the policy.
Article 4 of PSAKBI reads:
Personal Use is the use of the said Motorized Vehicle for the benefit of the personal transportation of the vehicle user.
Then the next point reads:
Commercial use is the use of the motorized vehicle for rental or receiving remuneration.
The PSAKBI also describes changes in risk. There are two options a car owner can make after reporting the change.
The first is insurance premiums with a higher risk rate and the second is stopping with a return of premiums.
Therefore, if you want to use a private car as an online , it is mandatory for you to inform the insurance and consult for changes to the function of the car so that the insurer can immediately readjust the criteria for the insurance policy agreement.
That way, you can still have insurance even if your personal vehicle is used as an online .
It's a shame if the insurance premium that you have paid so far is forfeited just because you don't report the change in the function of your car.
Car Insurance Premiums for Online Taxis
Cars that are now turning into commercial functions have a premium price that is more expensive than cars that are used for personal use.
This is because the car becomes vulnerable to damage. Because its use is more frequent than private use cars, so the risk of car abrasions , car scratches , and accidents is higher.
To find out the amount of the premium, you can visit the official website of your car insurance company or ask the customer service directly.
How to Apply for Car Insurance for Taxi Online
For those of you who want to apply for or register your car for commercial insurance, here are the ways.
- Contact the car insurance company about the change in the function of the car which is now an online .
- Don't forget to ask what forms are needed along with the complete procedure for the changes.
- The insurance company will soon issue a new policy stating that your car has been converted to commercial function.
The process is easy, right? Especially if you've never had a case.
- If you did not previously have a car insurance policy, you can contact the insurance company to apply for car insurance for online (commercial) taxis.
Choosing between TLO or All Risk Car Insurance, which one is right for an online taxi?
- There are two types of car insurance that you can choose from, namely total loss or known as Total Loss Only (TLO) and All Risk.
Here are the differences between TLO and All Risk car insurance in brief.
| Asuransi TLO | All Risk Insurance |
|---|---|
| Covers losses that total damage is more than 75 percent | Covers losses ( partial risk ) caused by accidents that damage the car body |
| Cheaper premium | Premiums are more expensive |
| Only bear cars that are heavily damaged | Expansion of wider insurance coverage |
calculations car insurance simulation you can check it on the The Newbie Car Insurance .
Tips for Choosing Car Insurance for Taxi Online
Before you choose motor vehicle insurance for online taxis, here are some tips so that you get maximum protection.
Check Carefully the Reputation of the Insurance Company
Before you decide to buy car insurance from an insurance company, it's a good idea to do some research on the history of the insurance company.
What you should pay attention to is not only the big name of the company, the scale, and the number of branches, but also the financial condition and other customer reviews regarding claims and the speed of claims.
Extensive Partner Workshop Partner
Then, don't forget to check the partner workshop whether you can choose it yourself or whether it is in the list of your subscribed workshop partner workshops.
Partner workshops that are widely spread in various regions can benefit you. If a risk occurs, your car can be serviced immediately.
Likewise with spare parts, you can get the parts you need faster. With this, the repair time will be faster so you can return to using your car as an online taxi.
Extension of Coverage
See details about the extent of protection offered. This is because it greatly affects the guarantee provided.
Usually the basic benefits of car insurance are not only damage due to accidents there, but there are also natural disasters, or other things.
Customize Your Car Insurance with Financial Capability
There are various kinds of car insurance products for online taxis and of course the prices they offer also vary.
For that, adjust it to your needs and your financial capabilities.
It's good to first check what benefits you will get. Don't you take the complete package but it doesn't bring you any benefits at all.
This is because insurance or protection is not only for vehicles, but also for health, property, and other valuable assets.
That's the discussion about car insurance for online taxis. In short, if you previously had car insurance for yourself, you must notify the insurance company that your car has now turned into a commercial function.
However, if you do not have car insurance for the vehicle you are towing, you can buy it. Come on, discuss your car protection needs with The Newbie and find out which car insurance product is the most appropriate for you.
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