Premium Rate Sinar Mas Insurance

premium-rate-sinar-mas-insuranceAsuransi Sinar Mas is one of the insurance companies in Indonesia. The company was founded in 1985 with the initial name PT Sinar Mas Dipta Insurance Loss which was changed in 1991 to become the Sinar Mas Insurance Company.

Want to know how much the Sinar Mas car insurance premium costs for your car? Enter your car details below:

Simas Mobil is the name of a car insurance product offered by Sinar Mas Insurance company. This product offers very complete protection. Why is it complete? Because by paying the specified premium, insurers will not only get all-risk protection and Total Loss Only, but also expand. The following details:

  • All risk To be able to get this protection, the maximum age of the vehicle is 10 years.
  • Total Loss Only (total damage / minimum 75% caused by falling objects, fire, collision, traffic accident, theft, or collision). The maximum age of a car for this protection is 20 years.
  • Extensive protection consisting of:
    • Personal accident (50,000,000)
    • Treatment (1000,000)
    • 3rd party legal responsibility (100,000,000)
    • Riot
    • Flood
    • Tsunami

Note : Simas Cars only accept types of sedans and minibuses and are only used for service or personal purposes. That is, clients who will buy car insurance for commercial purposes are not served.

Replacement money (UP)

Simas Mobil calculates replacement money based on the actual price of a car for the first year. For the next year, the UP will decrease because the value of the car is shrinking. In the second year, the UP that the client will receive is 90% of the first year UP. The third year, UP is 80% from the first year. In the fourth year, UP was 70% of the first year UP. In the fifth, sixth, seventh, and eighth years, UP is 60% of the first year UP.

Premium

How is the premium rate offered by Simas Mobil? The following details:

Protection                      |   For car prices below 500 million |  Car prices above 500 million

All Risk                           3.25%                                               2.5%
Total Loss Only (TLO)   1.5%                                                    1.25%

Example:

Yaris EM / T is worth 205.3 million and is insured with all risk / comprehensive protection, the client must pay a premium of 3.25% x 205.300.000 = 6.672.250 per year.

If the client chooses the TLO package, the premium that must be paid is 1.5% x 205.300.000 = 3.079.500.

With a note, by paying the premium mentioned above, the client also gets the expansion protection mentioned above. In other words, there is no additional premium that must be paid. Interesting right?

In addition, Simas Mobil has other advantages, namely:

  • Have 89 Simas Mobil branches throughout Indonesia, making it easier for clients to submit claims.
  • Has 250 workshops that work together
  • 24/7 hotline service
  • Derek car service
  • Ambulance (500,000)
  • Transportation costs (200,000 per day)
  • Simas card is valid for 7000 merchants throughout Indonesia.
  • That's not how much, there are also Bonus Car Simas products that offer refunds of premiums if there are no claims (50% if there is no claim for three years, 75% if there is no claim for 5 years, and 100% if no claims occur) .

This is another advantage of Simas Mobil. This company wants to show its clients and all people that buying insurance is not detrimental at all. Like saving, they can take their money back, even in full amounts.

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