Whether all risks Already covered by car insurance All Risk?

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The amount of the insurance premium which has been described above is called the pure premium. There are some risks that are not protected by car all risk insurance, and you can decide to extend your car insurance coverage. .

The extension of coverage to include things that may happen to the car of which are caused by: Flood Riot Earthquake/Tsunami Sabotage/Terrorism Damage or loss due to the above things are very likely to occur in Indonesia.

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For example, only floods each year Community capital has to be willing to deal with the problem on this one. Magnitude of the insurance rate each of these extensions varies. In General, less than 0.5%. To calculate car insurance premiums TLO and all risk coupled with the expansion of the dependents, you just add the whole percentage rate insurance multiplied the value of the car

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If there are owners of Toyota Avanza, which cost about Rp193 million, taking the TLO Insurance premiums amounted to 0.44% of the price of the car (a decree OJK) and all risk of 2.67% of the same size. Later, he also decided to take a dependent expansion of flood risk (0.15% for all risk and 0.05% for TLO), riots (0.35% for all risk and 0.13% for TLO), and sabotage or terrorism (0.15% for all risk and 0.05% for TLO), then the costs need to be issued are:

Car insurance premiums TLO with the extension: (0.44 + 0.05 + 0.13 + 0.05)% x Rp 193.000.000 Rp 1.293.100 Car insurance premiums All risk by expanding: (2.67 + 0.15 + 0.35 + 0.15)% x Rp 193.000.000 Rp 6.407.600.