Motor Vehicle and Motor Cycle Insurance

Type of Coverage
ComprehensiveTotal Loss Only
Provides coverage for partial and total loss / damage caused by all risks guaranteed in the policy including loss due to theft (Refer to PSAKBI) Provides coverage for total loss / damage to the vehicle when the repair cost is ??? 75% of the price of the vehicle just before the loss and loss due to theft (Refer to PSAKBI)
Extension Cover
Personal Accident DriverPersonal Accident PassangerThird Party Liability (TPL)
Provides protection for drivers against the risk of permanent disability or death and / or medical expenses caused directly by the insured vehicle accident. Provides protection for passengers in an insured vehicle against the risk of permanent disability or death and or medical expenses caused directly by the vehicle accident. Provides compensation protection for claims by third parties which are directly caused by the insured vehicle.
Strike, Riot, Civil CommotionFlood, Windstorm, Earthquake, Tsunami, Volcano Erruption, LandslideTerrorism and Sabotage
Providing guarantees for compensation for damages directly caused by riots, strikes, obstruction of work, brawls, riots, people's awakening, and revolution. Providing guarantees for compensation or for damage to vehicles caused directly by an earthquake, tsunami or volcanic eruption. Providing guarantees for compensation or repair costs for damage to vehicles caused by terrorism & sabotage.

FREQUETLY ASKED QUESTION (FAQ)
  1. What risks are covered under the Comprehensive guarantee ?
  2. The risk that is guaranteed in the Comprehensive guarantee is loss and / or damage to the insured motor vehicle caused by:
    1. Crash, impact, overturn, slip off the road.
    2. The evil deeds of others
    3. Theft includes theft by force.
    4. Fire.
    5. Lightning Strike.
    6. Losses due to accidents during crossing by ferry or other official crossing tools which are under the supervision of the Director General of Land Transportation.
    7. Reasonable costs incurred by the insured, in the event of loss and or damage due to risks that are guaranteed for custody, transportation, or towing to a workshop or other place to avoid or reduce the loss and or damage. Indemnification for Derek's costs is a maximum of 0.5% of the sum insured. and meet the general requirements as stated in the Sumit Oto Insurance Motor Vehicle Insurance Policy
  3. What risks are covered under the Total Loss Only ?
  4. The risk that is guaranteed in total loss only is if the damage and / or loss is due to an event covered by the policy where the cost of repair, replacement or restoration to its original state shortly before the loss and / or damage occurs ≤ 75% of the actual price of the vehicle the insured motorbike or the vehicle is lost due to theft.
  5. What is the age limit for vehicles that can be insured ?
    1. For the Comprehensive guarantee, it is 5 years old,> 5 years old must be subject to a minimum loading premium of 5% per year.
    2. Total Loss Only is 10 years old,> 10 years old is subject to a minimum loading premium of 5% per year