Asuransi Mobil All Risk: Hitung Pre

Asuransi Mobil All Risk: Hitung Preminya, Lihat Manfaatnya
Asuransi all risk melindungi mobil dari risiko lecet sampai hilang. Sedangkan asuransi total loss only cuma menjamin kerugian akibat kehilangan dan kerusakan lebih dari 75 persen hingga mobil tak bisa dikendarai lagi.

Karena perbedaan tanggungan itu, uang premi yang dibayarkan pun berbeda. Melihat lebih luasnya tanggungan asuransi all risk, preminya tentu lebih besar ketimbang total loss only.

Tapi besarnya premi ini sepadan dengan manfaat yang diterima pemegang polis. Sebab jika mobil tak dilindungi asuransi itu pemegang polis bisa menderita kerugian yang besar jika sewaktu-waktu mobil terserempet atau bahkan raib
Contoh kasus
Kita ambil contoh seorang pemilik mobil Honda Jazz bernama Maya. Dia tinggal di Jakarta, yang padat kendaraan dan rawan kejahatan serta kecelakaan, sehingga khawatir terjadi apa-apa pada mobil barunya itu.

Maya sedang menghitung-hitung biaya yang dikeluarkannya jika terjadi kecelakaan saat dia mengendarai mobil di jalan. Dia membandingkan biaya tanpa asuransi dan dengan asuransi.

Rincian mobil dan kejadian:
• Mobil Honda Jazz : Rp 220 juta
• Kerusakan : Bemper depan penyok 50 cm, bodi samping lecet-lece
Tanpa asuransi
Jika tanpa asuransi, dia harus mengeluarkan biaya total sekitar Rp 2,5 juta. Selain harus mengeluarkan biaya sebesar itu, dia harus menginapkan mobilnya selama 3 hari di bengkel. Walhasil, dia tak leluasa beraktivitas karena mesti menumpang kendaraan umum.

Biaya Rp 2,5 juta itu terdiri atas:
• Rp 1,5 juta untuk bemper depan yang penyok
• Rp 1 juta untuk lecet-lecet


Biaya sebesar itu dia keluarkan untuk satu kali kejadian. Jika dalam setahun terjadi misalnya 3 kali kecelakaan dengan kerusakan yang sama, dia harus mengeluarkan total Rp 7,5 juta.

Dengan Asuransi
Dengan menggunakan asuransi, Maya hanya perlu mengeluarkan Rp 300 ribu untuk seluruh kerusakan itu. Sebab, kerusakan itu hanya dihitung satu kejadian. Tapi uang asuransi itu hanya biaya risiko.

Maya masih harus membayar premi asuransi untuk proteksi selama setahun penuh. Menurut risetnya di Internet, premi asuransi all risk bervariasi, dari 2,5% sampai 3,5%. Dia membuat perhitungan dengan mengambil rate tengah, yakni 3%.

Maka rincian premi asuransi mobil all risk Maya adalah sebagai berikut:

Premi murni: 3% x Rp 220 juta = Rp 6.600.000

Uang sebesar Rp 6.600.000 itu hanya dia keluarkan sekali untuk perlindungan selama setahun. Jika hendak klaim, dia hanya perlu membayar Rp 300 ribu per kejadian dan mendapat ganti rugi jika mobilnya hilang.


Kemudian dia berpikir, Jakarta ini rawan banjir. Maka dia menambahkan perluasan tanggungan banjir dengan biaya 0,35%. Sebenarnya ada perluasan lain, yaitu kerusuhan dan bencana alam dengan biaya sama, tapi dia berpikir belum memerlukannya sekarang.

Perluasan : 0,35% x Rp 220 juta = Rp 770.00
Maka total biaya premi asurasinya: Rp 6.600.000 + Rp 770.000= RP 7.370.000

Setelah bayar Rp 7.370.000, sudah. Dia tak perlu lagi khawatir terlalu berlebihan jika mobilnya hilang atau rusak.
Jika dilihat sepintas, premi asuransi tersebut memang lebih besar daripada biaya perbaikan. Namun itu jika terjadi kecelakaan yang sama seperti contoh kasus di atas.

Kết quả (Anh) 1:

All Risk Car Insurance Premiums, See: Calculate The Benefits All risk insurance protects cars from blisters to risk missing. While insurance total loss only just guarantees loss due to the loss and damage to more than 75 percent until the car could not be driven again. Because of the differences that dependents, money premium paid any differ. Look over the extent of all risk insurance, dependent premiums larger than total loss only. But the magnitude of this premium commensurate with the benefits received policyholders. For if it's not protected car insurance policyholders could suffer huge losses if at any time the car terserempet or even vanishedExample casesWe take the example of an owner of a Honda Jazz car named Maya. He lived in Jakarta, heavy vehicles and prone to crime and accidents, so the worry occurs nothing on his new car was. The Maya were tallying the cost issue in case of an accident while he was driving on the road. He compares the cost without insurance and the insurance. Car details and events:• Honda Jazz Car: USD 220 million• Front Bumper damage: dents 50 cm, body side blisters-leceWithout insuranceIf without insurance, she must spend a total of approximately USD 2.5 million. In addition to having to issue charged, he must menginapkan his car for 3 days in the workshop. The result, he could not freely move because it must take public transportation. The cost of Rp 2.5 million was made up of:• Rp 1.5 million for the front bumper dents• Rp 1 million to blisters-blisters Charged that he spend a one time occurrence. If in a year occurred for example 3 times the accident with the same damage, he has to issue a total of Rp 7.5 million. With InsuranceBy using Virtual insurance, only have to pay Rp 300 thousand for the whole damage it. Because the damages were counted only one incident. But the insurance money that's just the cost of risk. Maya still have to pay insurance premiums for protection for a full year. According to his research on the Internet, all risk insurance premiums varies from 2.5% to 3.5%. He made calculations by taking the central rate, which is 3%. Then the details of car insurance premiums all risk Maya is as follows: Pure premium: 3% x Rp 220 million = 6,600,000 Idr Rp 6,600,000 that's just he put out once for protection for a year. If they wish to make a claim, he need only pay Rp 300 thousand per occurrence and got compensation if his car was missing. Then he thought, Jakarta is prone to flooding. Then he added the expansion of the dependents of the flood and costs 0.35%. Actually there is another extension, namely, unrest and natural disasters and costs the same, but he thought not yet need it now. Extension: 0.35% x Rp 220 million = Rp 770.00Then the total cost of the premium: Rp asurasinya Rp 6,600,000 + 770,000 = RP 7,370,000 After pay Rp 7,370,000, already. He does not need to worry too much if his car is missing or damaged.If seen at a glance, the insurance premium is greater than the cost of repairs. But it was the car accident happened just as the example case above.

Kết quả (Anh) 2:

Car Insurance All Risk: Calculate premiums, See Benefits
Insurance protects the car all risk of risk of blisters to disappear. While the total loss only insurance only covers loss and damage due to the loss of more than 75 percent until the car can not be driven again. Because of differences in the dependents, the premiums paid were different. Viewed more broadly all risk insurance coverage, premiums are certainly greater than the total loss only. But the magnitude of this premium commensurate with the benefits to policyholders. Because if the car was not insured policyholders could suffer big losses if at any time the car was hit, or even disappear Case Let's take the example of a car owner Honda Jazz named Maya. He lived in Jakarta, dense and prone to crime and vehicle accidents, so fears of anything on his new car. Maya was tallying her costs in case of an accident when he was driving on the road. He compared the cost without insurance and with insurance. Details of the car and events: • Car Honda Jazz: Rp 220 million • Damage: The front bumper dents 50 cm, body side scuff-lece Without insurance If no insurance, he must spend a total of about Rp 2 ,5 million. Apart from having to pay for it, he had lodged his car for 3 days in the workshop. As a result, he could not move freely because it needs to ride public transportation. The cost of USD 2.5 million was comprised of: • USD 1.5 million to the front bumper dents • $ 1 million for abrasions fee of it he spends for one incident , If in a year three times accidents occur for example with the same defect, he must spend a total of USD 7.5 million. With Insurance By using insurance, Maya only need to spend $ 300 thousand for the whole of the damage. Therefore, the damage is only counted one incident. But the insurance money that's just the cost of risk. Maya still have to pay insurance premiums for protection for a full year. According to his research on the Internet, all risk insurance premiums vary widely, from 2.5% to 3.5%. He made ​​the calculations by taking a middle rate, ie 3%. So the details of all risk car insurance premiums Maya are as follows: Premium Pure: 3% x Rp 220 million = USD 6,600,000 Money amounting to Rp 6,600,000 that she paid only once for protection for a year. If you want to claim, he only need to pay Rp 300 thousand per incident and receive compensation if his car is missing. Then he thought, Jakarta is prone to flooding. Then he added the expansion of flood dependents at a cost of 0.35%. Actually there is another extension, namely unrest and natural disasters with the same charges, but he thought not need it now. Expansion: 0.35% x Rp 220 million = USD 770.00 Then the total premium cost asurasinya: Rp Rp 6,600,000 + 770,000 = RP 7370 .000 After the pay Rp 7.37 million, already. She no longer need to worry too much if his car is missing or damaged. If seen at a glance, the insurance premium is greater than the cost of repairs. But the case of an accident the same as the case of the above example.