SINJAI – Foto-foto pernikahan kakek 75 tahun dengan anak baru gede (ABG) berusia 18 tahun di Sinjai, Sulawesi Selatan (Sulsel) viral di media sosial.
Kakek yang beruntung mendapatkan istri muda nan cantik itu bernama Saing, warga Gantarang, Sinjai Tengah.
Ia mempersunting gadis 18 tahun bernama Tika, warga Desa Bontokatute, Sinjai pada Rabu, 30 Januari 2019. Resepsi pernikahan dilangsungkan di Dusun Coddong, Desa Bontokatute, Kabupaten Sinjai.
Pernikahan beda usia yang terpaut 57 tahun itu diduga bukan didasari oleh cinta, melainkan materi.
Hal itu diketahui dari pengakuan Tika. Ia mengaku menerima lamaran Saing karena kakek 75 tahun tersebut siap memenuhi kebutuhan hidup Tika.
“Alasan saya menerima (pinangan Saing) karena dia siap menghidupi saya,” ucap Tika, Kamis, 31 Januari 2019.
Kakek 75 tahun nikahi gadis 18 tahun di Sinjai. (Istimewa)
Saing tidak lain adalah tetangga rumah Tika. Tika tinggal bersama tantenya di Desa Bontokatute sejak masih kecil. Sementara ibunya, berada di Sulawesi Tenggara (Sultra).
Saing melamar Tika dengan uang panaik (mahar) Rp25 juta ditambah kebun cengkeh.
Informasi yang beredar, Saing dan Tika dijodohkan. Tika tak kuasa menerima keinginan keluarga yang telah menjodohkannya dengan kakek 75 tahun.
Ekspresi wajah Saing dan Tika saat di pelaminan berbanding terbalik. Saing tampak tersenyum riang gembira menyalami para tamu undangan. Sedangkan Tika terlihat cemberut dan manyun.
Selama resepsi pernikahan, Tika lebih banyak diam dan manyun. Meski begitu, gadis yang hanya lulusan SMP ini tetap menyalami satu per satu tamu yang hadir.
Pernikahan Saing dan Tika dikabarkan tidak tercatat di kantor urusan agama (KUA) setempat sehingga dianggap tidak sah oleh negara.
Kepala Kementerian Agama Sinjai, Abd Hafid, mengaku telah menginstruksikan bawahannya untuk mencari tahu apakah pernikahan ini betul terjadi.
Dia juga meminta anak buahnya untuk menanyakan apa alasannya sehingga tidak melakukan pernikahan secara resmi yang telah diatur oleh negara.
“Sudah bergerak anggota saya, kalau kendala biaya, nanti nikah gratis di kantor,” tandas Hafid.
Sumber : Babe.com
Here's a breakdown of some of the best foreign exchange brokers available for online fx trading.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Saxo Bank logo
Saxo Bank - Best Overall
Saxo Bank finished 1st in our 2018 Annual Review of 43 brokers. Its competitive pricing, access to a wide range of markets, multiple regulatory licenses, and innovative trading platforms provide forex traders around the glove an all-around excellent offering. (69% of retail CFD accounts lose money.) Read more...
IG logo
IG - Best for CFDs, Most Trusted
Rated as our Most Trusted Broker of 2018, IG Received 5 Stars and second overall in our 2018 Review. IG also finished #1 for Offering of Investments (5 Stars) and Education (4.5 Stars). In total, IG placed Best in Class for seven of the eight review categories. (79% of retail CFD accounts lose money.) Read more...
eToro.com logo
eToro - Best for Social, Copy Trading
Traders looking to harness the power of crowdsourcing to find trading ideas have ample tools on eToro’s social trading network to copy the trades of other users in real time across over 1000 instruments, including CFDs on popular cryptocurrencies.
Swissquote logo
Swissquote - Best for Crypto, Banking
Swissquote is a trusted, global multi-asset broker and bank offering traders access to over two million products, from forex to CFDs, exchange-traded securities, wealth advisory services, underlying cryptocurrencies, and more. (74% - 89% of retail CFD accounts lose money.) Read more...
CMC Markets logo
CMC Markets - Best Currency Offering
Through its offices regulated in major financial centers, CMC Markets offers traders a wide range of offerings across global markets with its Next Generation trading platform, which is packed with innovative trading tools and charting. (74% - 89% of retail CFD accounts lose money.) Read more...
FxPro logo
FxPro - Best for MetaTrader
Ranked #1 for MetaTrader brokers, FxPro caters to the needs of a diverse range of traders due to its various orders and account types, as well as its execution and pricing models, which offer instant execution, and floating or fixed spreads. (79% of retail CFD accounts lose money.) Read more...
Forex.com logo
Forex.com - 4.5 Stars
FOREX.com earned 4.5 stars Overall and finished Best in Class in seven main categories. The firm’s parent company, GAIN Capital, remains one of the largest forex brokers in the United States and caters to global forex traders of all experience levels. (80% of retail CFD accounts lose money.) Read more...
Dukascopy logo
Dukascopy - Best for Trading Tools, Mobile Trading
Dukascopy Bank boasts the most robust offering of desktop and mobile platforms, helping it finish #1 for Platform & Tools and #1 for Mobile Trading in 2018. The innovative JForex platform suite and competitive commission structure give traders access to extensive resources for a growing range of forex pairs and CFDs. (74% - 89% of retail CFD accounts lose money.) Read more...
Interactive Brokers logo
Interactive Brokers - Best for Professionals
Ranked #1 for Professional traders, Interactive Brokers is known for its diverse offering of investments. Founded nearly 40 years ago, clients can trade on more than 120 market centers in 26 different countries, and deal in forex, CFDs, stocks, options, ETFs, futures, bonds, and more. (63.5% of retail CFD accounts lose money.) Read more...
TD Ameritrade logo
TD Ameritrade - Best for US Residents
Available only to US residents for forex trading, TD Ameritrade ranked #1 for Customer Service and Platform Technology in our 2018 Review. The broker’s thinkorswim platform provides one of the most powerful charting applications, offering nearly 400 technical indicators.
Choosing the Best Forex Brokerage
Here are some of the most important factors to keep in mind when choosing the best online forex brokerage for currency trading.
Regulation: Not all regulatory jurisdictions and licenses are created equal for international forex and CFD Brokers. Investors should know which country their broker is based in and which country’s laws apply to their account. To avoid fraud, it is critical to use a broker that is well-known and well-regulated. To quickly identify brokers you can trust, reference the Trust Score we provide on each broker’s review page.
Company Policies and History: As part of every investors due diligence process, steps to help ensure account security should include verifying a firm’s regulatory licenses and its legal obligations in safeguarding client monies. It's also important to review the customer agreements, read up on the company's history, and make sure their primary offices are located in a well-respected country, if not your own.
Range of Markets Offered: It’s always important to determine which markets or individual trading products (currency pair or stock symbol) you want to trade, then check to make sure they are offered. Also check to make sure the products you want to trade are available in your region. See section, “Best offering of Currency Pairs, CFDs” below.
FX Trading Tools & Platforms: Which platforms and trading tools are available for the products you are considering? Are compatible with your web browser, computer operating system, or mobile smartphone, or any other devices you are planning to use for trading? See section, “Best Forex Trading Platform” below.
FX Analysis and Global Market Research: Available research tools for scanning, analyzing, and overall conducting technical and fundamental analysis will vary from broker to broker. See section, “FX Research” below.
Forex spreads, commissions, and overall trading costs: For forex trading, spreads and any round-turn commissions will make up the all-in cost to complete (open/close) each trade. The same generally applies to CFDs, in terms of bid/ask spreads plus any per trade commission. See section, “Lowest Trading Costs” below.
Order Execution: Available execution methods can depend on whether the broker is a principal dealer acting as a market-maker, and/or if they are an agency-only broker relying on third-party dealers (liquidity providers). Other execution methods, policies, conditions, or available order types can vary (including premium or free trade protection tools such as guaranteed stop-loss orders, fill-or-kill or fill with within a maximum deviation range) can vary from broker to broker.
Order Type and Execution: Some execution methods or order-types may incur negative or positive slippage. This means orders will fill but the fill price could be better or worse than requested. Since each broker is different, some firms may re-quote an order with a new price for you to accept (or reject) in the case the price has changed.
Customer Service: Customer service is important. The scope and quality of support can be a major differentiator across online FX brokerages, ranging from the speed and overall quality of assistance to the availability across global trading hours and international markets. See section, “Customer Service” below.
Education: Currency trading can be complex. Even seasoned investors are constantly learning to expand their breadth of currency markets. The disparity between currency brokers that provide thorough, high quality education, and those who do not is vast. See section, “Education” below.
Lowest Trading Costs
CMC Markets - 5 Stars
Saxo Bank - 4.5 Stars
IG - 4.5 Stars
Dukascopy - 4.5 Stars
GAIN Capital (FOREX.com) - 4.5 Stars
TD Ameritrade - 4 Stars
City Index - 4 Stars
Forex trading costs are not easy to break down. Reasons why trading costs can be impacted: bid/ask spreads can vary across venues (because forex is decentralized), forex spreads may be either fixed or variable (floating), and variable spreads may widen or narrow (vary) at different rates across brokers.
Three Marketing Automation Benefits for Cross-Selling Insurance Policies
Marketing automation has become a game changer for the insurance industry, as it helps insurers shine the brightest in a crowded landscape. It helps guide prospects through the buyer’s journey, providing personalised and purposeful content delivered at optimal times along the way. Engaged communication is a large portion of marketing automation and insurers can additionally benefit by using the platform to cross-sell insurance policies to existing customers.
According to the book Marketing Metrics, the probability of selling to a new prospect is five-20%, while the probability of selling to an existing customer is 60-70%. This translates to the insurance industry through cross-selling, upselling for bundle discounts and higher liability coverage. Cross-selling policies, in particular, are key to the insurance industry’s growth, especially for profitability and increased customer retention. Multiple policies qualify customers for additional discounts and lead to a stronger sense of trust in the insurance company. When policies are promoted effectively, insurers are going above and beyond customers’ expectations by caring for their future insurance needs.
Cross-sell the right policies to the right customers
It’s the responsibility of the insurer to address future insurance needs to the appropriate customers, including for policy cross-promotion. For example, if insurers are selling personal lines of insurance, a growing family will have different policy needs than a retired couple. Customers value policies that are relevant to them at their current stage of life, rather than ones that they have no need for.
Similarly, knowledge is power. It is essential to know whether existing customers already have policies that you’re cross-selling - otherwise, you’re at risk of losing credibility and the trust of your customer.
Marketing automation and its database of your existing customers helps segment and determine what policies are most relevant to which customers. Delivering the right cross-sell, to the right policyholder, at the right time shines a positive light on you as the customer’s insurer, because you’re recognising the subtle - but big - difference in promoting, say, a homeowner’s policy vs. renter insurance.
Lead management helps shorten the conversion cycle
Tighter alignment between marketing and sales ensures greater success in galvanising more policies in a shorter amount of time. This is an indication of lead management, which integrates a Customer Relationship Management (CRM) platform with the marketing automation tool.
Marketing automation alone helps sell 10% more policies per household, and lead management is number one at 13% more policies per household. Insurers nurture their customers along the cross-buying journey with marketing automation by addressing which additional policies are best suited for their circumstances and why. For top and steady results, insurers then employ lead management for warm leads that progress into sales. When you’re able to recognise the warm leads (engaged customers that express interest) through behavioural analytics, you can help navigate them promptly through the buyer’s journey.
Use content marketing to trigger automated campaigns
Take advantage of your content marketing by setting up triggers for automated cross-promotion campaigns. For example, if customers clicked on a link about life insurance in last week’s enewsletter, a drip campaign about the importance of life insurance and how to choose the right policy starts appearing in their inbox. Alternatively, host a webinar about whether an umbrella policy is right for someone and segment your existing customers to receive a separate campaign once they register, which is tailored around bundles and can apply pre-collected data for further personalisation. When your customers are gathering information on your website beyond the policies they already have, they are probably curious about what else is out there. Marketers will then be able to deliver relevant emails based on the information from their browsing history.
These automated campaigns can even be as simple as one that begins 90 days before customers’ policy renewal dates: the optimal time for them to review their current policy and see if any changes need to be made. However, this can also be seen as your opportunity to learn more about their evolving circumstances. This helps your database stay updated and helps you, as their insurer, understand which policies are most relevant for their needs.
Marketing automation, combined with CRM integration to equal lead management, gives insurance groups of all types and sizes the behavioural analytics and stored data they need to effectively cross-sell policies. The introductory promotion of an additional policy can help or hinder the existing customer relationship - it can be viewed as a self-serving sale sent to everyone on an email list, or it can reflect that you are meeting your customers where they’re at in their lives, looking out for their best interests, and anticipating their future insurance needs.
Best FX Brokers for Forex Trading
Here's a breakdown of some of the best foreign exchange brokers available for online fx trading.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Saxo Bank logo
Saxo Bank - Best Overall
Saxo Bank finished 1st in our 2018 Annual Review of 43 brokers. Its competitive pricing, access to a wide range of markets, multiple regulatory licenses, and innovative trading platforms provide forex traders around the glove an all-around excellent offering. (69% of retail CFD accounts lose money.) Read more...
IG logo
IG - Best for CFDs, Most Trusted
Rated as our Most Trusted Broker of 2018, IG Received 5 Stars and second overall in our 2018 Review. IG also finished #1 for Offering of Investments (5 Stars) and Education (4.5 Stars). In total, IG placed Best in Class for seven of the eight review categories. (79% of retail CFD accounts lose money.) Read more...
eToro.com logo
eToro - Best for Social, Copy Trading
Traders looking to harness the power of crowdsourcing to find trading ideas have ample tools on eToro’s social trading network to copy the trades of other users in real time across over 1000 instruments, including CFDs on popular cryptocurrencies.
Swissquote logo
Swissquote - Best for Crypto, Banking
Swissquote is a trusted, global multi-asset broker and bank offering traders access to over two million products, from forex to CFDs, exchange-traded securities, wealth advisory services, underlying cryptocurrencies, and more. (74% - 89% of retail CFD accounts lose money.) Read more...
CMC Markets logo
CMC Markets - Best Currency Offering
Through its offices regulated in major financial centers, CMC Markets offers traders a wide range of offerings across global markets with its Next Generation trading platform, which is packed with innovative trading tools and charting. (74% - 89% of retail CFD accounts lose money.) Read more...
FxPro logo
FxPro - Best for MetaTrader
Ranked #1 for MetaTrader brokers, FxPro caters to the needs of a diverse range of traders due to its various orders and account types, as well as its execution and pricing models, which offer instant execution, and floating or fixed spreads. (79% of retail CFD accounts lose money.) Read more...
Forex.com logo
Forex.com - 4.5 Stars
FOREX.com earned 4.5 stars Overall and finished Best in Class in seven main categories. The firm’s parent company, GAIN Capital, remains one of the largest forex brokers in the United States and caters to global forex traders of all experience levels. (80% of retail CFD accounts lose money.) Read more...
Dukascopy logo
Dukascopy - Best for Trading Tools, Mobile Trading
Dukascopy Bank boasts the most robust offering of desktop and mobile platforms, helping it finish #1 for Platform & Tools and #1 for Mobile Trading in 2018. The innovative JForex platform suite and competitive commission structure give traders access to extensive resources for a growing range of forex pairs and CFDs. (74% - 89% of retail CFD accounts lose money.) Read more...
Interactive Brokers logo
Interactive Brokers - Best for Professionals
Ranked #1 for Professional traders, Interactive Brokers is known for its diverse offering of investments. Founded nearly 40 years ago, clients can trade on more than 120 market centers in 26 different countries, and deal in forex, CFDs, stocks, options, ETFs, futures, bonds, and more. (63.5% of retail CFD accounts lose money.) Read more...
TD Ameritrade logo
TD Ameritrade - Best for US Residents
Available only to US residents for forex trading, TD Ameritrade ranked #1 for Customer Service and Platform Technology in our 2018 Review. The broker’s thinkorswim platform provides one of the most powerful charting applications, offering nearly 400 technical indicators.
Choosing the Best Forex Brokerage
Here are some of the most important factors to keep in mind when choosing the best online forex brokerage for currency trading.
Regulation: Not all regulatory jurisdictions and licenses are created equal for international forex and CFD Brokers. Investors should know which country their broker is based in and which country’s laws apply to their account. To avoid fraud, it is critical to use a broker that is well-known and well-regulated. To quickly identify brokers you can trust, reference the Trust Score we provide on each broker’s review page.
Company Policies and History: As part of every investors due diligence process, steps to help ensure account security should include verifying a firm’s regulatory licenses and its legal obligations in safeguarding client monies. It's also important to review the customer agreements, read up on the company's history, and make sure their primary offices are located in a well-respected country, if not your own.
Range of Markets Offered: It’s always important to determine which markets or individual trading products (currency pair or stock symbol) you want to trade, then check to make sure they are offered. Also check to make sure the products you want to trade are available in your region. See section, “Best offering of Currency Pairs, CFDs” below.
FX Trading Tools & Platforms: Which platforms and trading tools are available for the products you are considering? Are compatible with your web browser, computer operating system, or mobile smartphone, or any other devices you are planning to use for trading? See section, “Best Forex Trading Platform” below.
FX Analysis and Global Market Research: Available research tools for scanning, analyzing, and overall conducting technical and fundamental analysis will vary from broker to broker. See section, “FX Research” below.
Forex spreads, commissions, and overall trading costs: For forex trading, spreads and any round-turn commissions will make up the all-in cost to complete (open/close) each trade. The same generally applies to CFDs, in terms of bid/ask spreads plus any per trade commission. See section, “Lowest Trading Costs” below.
Order Execution: Available execution methods can depend on whether the broker is a principal dealer acting as a market-maker, and/or if they are an agency-only broker relying on third-party dealers (liquidity providers). Other execution methods, policies, conditions, or available order types can vary (including premium or free trade protection tools such as guaranteed stop-loss orders, fill-or-kill or fill with within a maximum deviation range) can vary from broker to broker.
Order Type and Execution: Some execution methods or order-types may incur negative or positive slippage. This means orders will fill but the fill price could be better or worse than requested. Since each broker is different, some firms may re-quote an order with a new price for you to accept (or reject) in the case the price has changed.
Customer Service: Customer service is important. The scope and quality of support can be a major differentiator across online FX brokerages, ranging from the speed and overall quality of assistance to the availability across global trading hours and international markets. See section, “Customer Service” below.
Education: Currency trading can be complex. Even seasoned investors are constantly learning to expand their breadth of currency markets. The disparity between currency brokers that provide thorough, high quality education, and those who do not is vast. See section, “Education” below.
Lowest Trading Costs
CMC Markets - 5 Stars
Saxo Bank - 4.5 Stars
IG - 4.5 Stars
Dukascopy - 4.5 Stars
GAIN Capital (FOREX.com) - 4.5 Stars
TD Ameritrade - 4 Stars
City Index - 4 Stars
Forex trading costs are not easy to break down. Reasons why trading costs can be impacted: bid/ask spreads can vary across venues (because forex is decentralized), forex spreads may be either fixed or variable (floating), and variable spreads may widen or narrow (vary) at different rates across brokers.
Daftar Asuransi Mobil Terbaik di Indonesia dan Tips Memilihnya
Memiliki sebuah mobil sebagai kendaraan pribadi tentu saja membuat Anda perlu mempertimbangkan banyak hal, termasuk beragam cara memelihara dan merawatnya. Hal ini sangat penting menjadi perhatian Anda secara khusus, mengingat untuk mendapatkan sebuah mobil Anda telah mengeluarkan sejumlah uang yang cukup besar.
Mobil masuk ke dalam aset yang memiliki nilai ekonomi tinggi, jadi sudah sewajarnya Anda mempertimbangkan dan membuat anggaran tersendiri dalam merawatnya. Hal ini tentu berguna untuk menjaga nilai aset tersebut tetap dalam kondisi yang baik dan tidak merosot akibat adanya kerusakan dan berbagai risiko lainnya.
Menggunakan Asuransi Mobil
Salah satu langkah yang bisa Anda lakukan untuk memperkecil risiko yang Anda tanggung terhadap kepemilikan mobil Anda adalah dengan cara melindunginya dengan asuransi kendaraan. Hal ini akan membantu Anda mengalihkan risiko yang bisa saja terjadi kapan saja terhadap mobil Anda, seperti:
Timbulnya kerugian atau kerusakan terhadap kendaraan/mobil itu sendiri.
Kerugian yang muncul akibat adanya kewajiban dalam bentuk tanggung jawab hukum yang wajib dipenuhi oleh tertanggung terhadap pihak ketiga. Yang dimaksud dengan pihak ketiga dalam hal ini adalah pihak/orang lain yang mengalami kerugian akibat tindakan kita sebagai seorang pengendara, misalnya: orang yang mengalami kerugian karena kita menabrak kendaraannya di jalanan.
Sebelum memilih asuransi mobil, sudah pasti Anda wajib mengetahui apa saja sebenarnya yang jenis perlindungan dari asuransi itu sendiri. Hal ini akan membantu Anda untuk bisa memahami dan mendapatkan manfaat maksimal yang sesuai dengan harapan dan keinginan Anda terhadap perlindungan asuransi itu sendiri. Berikut ini adalah jenis pertanggungan yang diberikan oleh asuransi mobil:
Gabungan (comprehensive)
Asuransi ini akan memberikan jaminan terhadap kerugian yang timbul akibat adanya kerusakan sebagian ataupun keseluruhan kendaraan yang pada dasarnya terjadi akibat berbagai macam resiko yang telah disebutkan di dalam polis asuransi.
Total Lost Only (TLO)
Asuransi ini hanya akan memberikan jaminan atas kehilangan (adanya pencurian terhadap kendaraan) atau kerusakan yang mencapai lebih dari 75% yang diakibatkan oleh berbagai macam risiko yang telah disebutkan di dalam polis. Dengan begitu bisa disimpulkan bahwa asuransi TLO tidak akan memberikan jaminan atas kerusakan ringan yang terjadi pada mobil Anda.
Di situs asuransi mobil terbaik cermati.com, Anda bisa bandingkan berbagai jenis produk asuransi mobil TLO dan asuransi mobil All Risk terbaik dari perusahaan-perusahaan asuransi ternama di Indonesia agar Anda bisa mendapatkan premi asuransi mobil terbaik dan termurah.
Memiliki sebuah mobil sebagai kendaraan pribadi tentu saja membuat Anda perlu mempertimbangkan banyak hal, termasuk beragam cara memelihara dan merawatnya. Hal ini sangat penting menjadi perhatian Anda secara khusus, mengingat untuk mendapatkan sebuah mobil Anda telah mengeluarkan sejumlah uang yang cukup besar.
Mobil masuk ke dalam aset yang memiliki nilai ekonomi tinggi, jadi sudah sewajarnya Anda mempertimbangkan dan membuat anggaran tersendiri dalam merawatnya. Hal ini tentu berguna untuk menjaga nilai aset tersebut tetap dalam kondisi yang baik dan tidak merosot akibat adanya kerusakan dan berbagai risiko lainnya.
Menggunakan Asuransi Mobil
Salah satu langkah yang bisa Anda lakukan untuk memperkecil risiko yang Anda tanggung terhadap kepemilikan mobil Anda adalah dengan cara melindunginya dengan asuransi kendaraan. Hal ini akan membantu Anda mengalihkan risiko yang bisa saja terjadi kapan saja terhadap mobil Anda, seperti:
Timbulnya kerugian atau kerusakan terhadap kendaraan/mobil itu sendiri.
Kerugian yang muncul akibat adanya kewajiban dalam bentuk tanggung jawab hukum yang wajib dipenuhi oleh tertanggung terhadap pihak ketiga. Yang dimaksud dengan pihak ketiga dalam hal ini adalah pihak/orang lain yang mengalami kerugian akibat tindakan kita sebagai seorang pengendara, misalnya: orang yang mengalami kerugian karena kita menabrak kendaraannya di jalanan.
Sebelum memilih asuransi mobil, sudah pasti Anda wajib mengetahui apa saja sebenarnya yang jenis perlindungan dari asuransi itu sendiri. Hal ini akan membantu Anda untuk bisa memahami dan mendapatkan manfaat maksimal yang sesuai dengan harapan dan keinginan Anda terhadap perlindungan asuransi itu sendiri. Berikut ini adalah jenis pertanggungan yang diberikan oleh asuransi mobil:
Gabungan (comprehensive)
Asuransi ini akan memberikan jaminan terhadap kerugian yang timbul akibat adanya kerusakan sebagian ataupun keseluruhan kendaraan yang pada dasarnya terjadi akibat berbagai macam resiko yang telah disebutkan di dalam polis asuransi.
Total Lost Only (TLO)
Asuransi ini hanya akan memberikan jaminan atas kehilangan (adanya pencurian terhadap kendaraan) atau kerusakan yang mencapai lebih dari 75% yang diakibatkan oleh berbagai macam risiko yang telah disebutkan di dalam polis. Dengan begitu bisa disimpulkan bahwa asuransi TLO tidak akan memberikan jaminan atas kerusakan ringan yang terjadi pada mobil Anda.
Di situs asuransi mobil terbaik cermati.com, Anda bisa bandingkan berbagai jenis produk asuransi mobil TLO dan asuransi mobil All Risk terbaik dari perusahaan-perusahaan asuransi ternama di Indonesia agar Anda bisa mendapatkan premi asuransi mobil terbaik dan termurah.
Daftar Asuransi Mobil Terbaik
Saat Anda akan membeli sesuatu, maka sudah tentu Anda ingin mendapatkan yang terbaik dan hal ini juga berlaku pada saat Anda akan menggunakan sebuah asuransi kendaraan. Ada banyak perusahaan asuransi yang menyediakan layanan ini, Anda bisa melihat beberapa di bawah ini:
1. Asuransi Mobil Sinarmas / Simasnet
Asuransi Mobil Simasnet merupakan anak perusahaan dari PT.Sinarmas Multi Artha Tbk. Perusahaan ini mendapatkan izin usaha dari OJK (Otoritas Jasa Keuangan) pada tanggal 21 Oktober 2014. Tujuan pendirian Simasnet adalah untuk memenuhi kebutuhan masyarakat akan jasa asuransi mobil yang dapat memenuhi kebutuhan para nasabah dan calon nsabah baik secara offline maupun online.
2. Asuransi Mobil Adira Autocillin
Adira Insurance adalah salah satu perusahaan bagian dari Danamon Group yang bergerak di bidang usaha asuransi umum. Sedangkan Adira Autocillin merupakan nama merk dagang untuk asuransi mobil mereka. Adira Insurance didirikan sejak tanggal 24 Januari 2002 dan telah memiliki aset sebesar Rp 4,9 triliun serta modal sebesar Rp 1,6 triliun sampai dengan akhir tahun 2015
3. Asuransi Mobil MAG
Asuransi Multi Artha Guna atau yang lebih dikenal sebagai asuransi MAG mulai berkiprah sejak 14 November 1980. Perusahaan yang awalnya bergerak di bidang asuransi umum ini kemudian mulai mengeluarkan produk asuransi kesehatan setelah bekerja sama dengan he RedShield Co. Ltd., Singapore pada rentan waktu 1982-1983. Kemudian, pada 23 Desember 2005 Asuransi MAG tercatat di Bursa Efek Jakarta sebagai perusahaan publik yang sahamnya dapat dimiliki.
4. Asuransi Mobil Malacca
PT Malacca Trust Wuwungan Insurance adalah sebuah perusahaan asuransi yang berdiri pada tahun 1952. Perusahaan ini dulunya memiliki nama PT Asuransi Wuwungan sebelum berubah nama menjadi Malacca sehingga bisa dibilang sebagai salah satu perusahaan asuransi tertua di Indonesia yang mengembangkan usahanya di berbagai bidang seperti manajemen aset, sekuritas, multifinance, sampai asuransi umum. Semenjak tahun 2011 PT Malacca Trust Wuwungan Insurance mulai menyediakan layanan asuransinya di Indonesia
5. Asuransi Mobil ACA
PT Asuransi Central Asia (ACA) adalah sebuah perusahaan yang bergerak dibidang asuransi umum di Indonesia. Perusahaan ini berdiri pada tanggal 29 Agustus 1956 dengan nama Maskapai Asuransi Oriental NV sebelum pada tanggal 5 Agustus 1958 berubah nama menjadi PT Asuransi Central Asia. Kini ACA sudah berjalan selama 58 tahun di Indonesia dan sudah memiliki 42 kantor cabang dan 23 perwakilan yang tersebar di berbagai kota besar di Indonesia. ACA memiliki berbagai macam produk andalan seperti asuransi properti, asuransi mobil, dan asuransi mikro.
1. Asuransi Mobil Sinarmas / Simasnet
Asuransi Mobil Simasnet merupakan anak perusahaan dari PT.Sinarmas Multi Artha Tbk. Perusahaan ini mendapatkan izin usaha dari OJK (Otoritas Jasa Keuangan) pada tanggal 21 Oktober 2014. Tujuan pendirian Simasnet adalah untuk memenuhi kebutuhan masyarakat akan jasa asuransi mobil yang dapat memenuhi kebutuhan para nasabah dan calon nsabah baik secara offline maupun online.
2. Asuransi Mobil Adira Autocillin
Adira Insurance adalah salah satu perusahaan bagian dari Danamon Group yang bergerak di bidang usaha asuransi umum. Sedangkan Adira Autocillin merupakan nama merk dagang untuk asuransi mobil mereka. Adira Insurance didirikan sejak tanggal 24 Januari 2002 dan telah memiliki aset sebesar Rp 4,9 triliun serta modal sebesar Rp 1,6 triliun sampai dengan akhir tahun 2015
3. Asuransi Mobil MAG
Asuransi Multi Artha Guna atau yang lebih dikenal sebagai asuransi MAG mulai berkiprah sejak 14 November 1980. Perusahaan yang awalnya bergerak di bidang asuransi umum ini kemudian mulai mengeluarkan produk asuransi kesehatan setelah bekerja sama dengan he RedShield Co. Ltd., Singapore pada rentan waktu 1982-1983. Kemudian, pada 23 Desember 2005 Asuransi MAG tercatat di Bursa Efek Jakarta sebagai perusahaan publik yang sahamnya dapat dimiliki.
4. Asuransi Mobil Malacca
PT Malacca Trust Wuwungan Insurance adalah sebuah perusahaan asuransi yang berdiri pada tahun 1952. Perusahaan ini dulunya memiliki nama PT Asuransi Wuwungan sebelum berubah nama menjadi Malacca sehingga bisa dibilang sebagai salah satu perusahaan asuransi tertua di Indonesia yang mengembangkan usahanya di berbagai bidang seperti manajemen aset, sekuritas, multifinance, sampai asuransi umum. Semenjak tahun 2011 PT Malacca Trust Wuwungan Insurance mulai menyediakan layanan asuransinya di Indonesia
5. Asuransi Mobil ACA
PT Asuransi Central Asia (ACA) adalah sebuah perusahaan yang bergerak dibidang asuransi umum di Indonesia. Perusahaan ini berdiri pada tanggal 29 Agustus 1956 dengan nama Maskapai Asuransi Oriental NV sebelum pada tanggal 5 Agustus 1958 berubah nama menjadi PT Asuransi Central Asia. Kini ACA sudah berjalan selama 58 tahun di Indonesia dan sudah memiliki 42 kantor cabang dan 23 perwakilan yang tersebar di berbagai kota besar di Indonesia. ACA memiliki berbagai macam produk andalan seperti asuransi properti, asuransi mobil, dan asuransi mikro.
