{"id":3724,"date":"2021-10-14T06:48:56","date_gmt":"2021-10-14T06:48:56","guid":{"rendered":"http:\/\/tri-pc:8073\/olx-news\/2021\/10\/14\/mobil-tua-bisakah-diasuransikan\/"},"modified":"2026-03-06T10:23:20","modified_gmt":"2026-03-06T03:23:20","slug":"mobil-tua-bisakah-diasuransikan","status":"publish","type":"post","link":"https:\/\/www.olx.co.id\/news\/mobil-tua-bisakah-diasuransikan\/","title":{"rendered":"Mobil Tua Bisakah Diasuransikan?"},"content":{"rendered":"

Asuransi jadi hal penting ketika memiliki sebuah mobil<\/a>. Hal ini untuk mengcover jika terjadi resiko kecelakaan. Pasalnya, kecelakaan bisa saja terjadi tanpa mengenal tempat dan waktu.<\/span><\/span><\/span><\/span><\/p>\n

Dengan adanya asuransi, tentu saja OLXer akan terhindari dari biaya yang membengkak jika mobil rusak karena kecelakaan.\u00a0<\/span><\/span><\/span><\/span>Namun yang masih menjadi pertanyaan, selain mobil baru bisakah mobil bekas khususnya yang memiliki usia tua juga bisa diasuransikan?<\/span><\/span><\/span><\/span><\/p>\n

Seperti dilansir situs Garda Oto, jika lazimnya pelanggan yang mendaftarkan mobil baru ke pihak asuransi sangat mudah, berbeda dengan mobil bekas (Mobkas). Kondisi mobkas yang beragam membuat beberapa perusahaan asuransi mengalami kesulitan dalam memutuskan apakah mobil bekas tersebut dapat ditanggung klaimnya atau tidak.<\/span><\/span><\/span><\/span><\/p>\n

Hal ini pula menurut SVP Communication Event & Service Management Asuransi Astra Iwan Pranoto, ada pembatasan usia mobil yang bisa diasuransikan.<\/span><\/span><\/span><\/span><\/p>\n

\u201cUntuk comprehensive 9 tahun, dan Total Loss Only (TLO) hanya (jika) kehilangan total bisa sampai 12 tahun. Kenapa dibatasi? Karena terkait dengan bagaimana asuransi memberikan pertanggungan. Jika sudah 'tua', dukungan suku cadangnya yang tidak berani kami garansi, lalu risiko juga lebih besar,\u201d ungkap Iwan dalam pesan tertulis, Rabu (29\/4\/2020).<\/span><\/span><\/span><\/span><\/p>\n

Seperti diketahui, semakin tua usia mobil bukan tak mungkin beberapa komponennya mulai tak lagi dalam kondisi prima. Seperti halnya kondisi kaki-kaki yang semakin tua atau kondisi mesin yang menurun akibat bekerja keras dalam waktu yang lama.<\/span><\/span><\/span><\/span><\/p>\n

Nah, selain resiko kerusakan lebih besar, hal yang bisa saja sulit dilakukan pihak asuransi yaitu penggantian komponen mobil yang masuk dalam kategori langka atau sulit dicari.<\/span><\/span><\/span><\/span><\/p>\n

Padahal, kata Iwan, janji asuransi sendiri yaitu mengembalikan kondisi mobil seperti sesaat sebelum kejadian. Sebaliknya, jika memang tak bisa memenuhi hal tersebut, ada baiknya tak perlu memberikan janji.<\/span><\/span><\/span><\/span><\/p>\n

Namun begitu, Iwan mengatakan, bukan tak mungkin sebuah mobil berusia 12 tahun dicover asuransi comprehensive.<\/span><\/span><\/span><\/span><\/p>\n

\u201cMemungkinkan, tergantung asuransinya. Misal, sebelumnya sudah di asuransi tersebut, claim ratio ok dan pertimbangan-pertimbangan lain,\u201d tutupnya.<\/span><\/span><\/span><\/span><\/p>\n

\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

Kondisi mobkas yang beragam membuat beberapa perusahaan asuransi mengalami kesulitan dalam memutuskan apakah mobil bekas tersebut dapat ditanggung klaimnya atau tidak.<\/p>\n","protected":false},"author":1,"featured_media":3725,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[46],"tags":[],"class_list":{"0":"post-3724","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-berita"},"acf":[],"aioseo_notices":[],"wp:featuredmedia":[{"id":3725,"date":"2021-10-14 06:49:01","slug":"8c2a8e94-6de2-449d-abfd-e5c321d56d2d","type":"attachment","link":"https:\/\/www.olx.co.id\/news\/mobil-tua-bisakah-diasuransikan\/8c2a8e94-6de2-449d-abfd-e5c321d56d2d\/","title":{"rendered":"Mobil Tua Bisakah Diasuransikan?"},"author":"1","caption":{"rendered":""},"alt_text":"","media_type":"image\/jpeg","mime_type":"image\/jpeg","media_details":{"width":1286,"height":878,"file":"http:\/\/tri-pc:8073\/olx-news\/wp-content\/uploads\/2021\/10\/8c2a8e94-6de2-449d-abfd-e5c321d56d2d.jpg","filesize":91181,"sizes":{"medium":{"file":"8c2a8e94-6de2-449d-abfd-e5c321d56d2d-300x205.jpg","width":300,"height":205,"mime-type":"image\/jpeg","source_url":"https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2021\/10\/8c2a8e94-6de2-449d-abfd-e5c321d56d2d-300x205.jpg"},"large":{"file":"8c2a8e94-6de2-449d-abfd-e5c321d56d2d-1024x699.jpg","width":1024,"height":699,"mime-type":"image\/jpeg","source_url":"https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2021\/10\/8c2a8e94-6de2-449d-abfd-e5c321d56d2d-1024x699.jpg"},"thumbnail":{"file":"8c2a8e94-6de2-449d-abfd-e5c321d56d2d-150x150.jpg","width":150,"height":150,"mime-type":"image\/jpeg","source_url":"https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2021\/10\/8c2a8e94-6de2-449d-abfd-e5c321d56d2d-150x150.jpg"},"medium_large":{"file":"8c2a8e94-6de2-449d-abfd-e5c321d56d2d-768x524.jpg","width":768,"height":524,"mime-type":"image\/jpeg","source_url":"https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2021\/10\/8c2a8e94-6de2-449d-abfd-e5c321d56d2d-768x524.jpg"},"td_218x150":{"file":"8c2a8e94-6de2-449d-abfd-e5c321d56d2d-218x150.jpg","width":218,"height":150,"mime-type":"image\/jpeg","source_url":"https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2021\/10\/8c2a8e94-6de2-449d-abfd-e5c321d56d2d-218x150.jpg"},"td_324x400":{"file":"8c2a8e94-6de2-449d-abfd-e5c321d56d2d-324x400.jpg","width":324,"height":400,"mime-type":"image\/jpeg","source_url":"https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2021\/10\/8c2a8e94-6de2-449d-abfd-e5c321d56d2d-324x400.jpg"},"td_485x360":{"file":"8c2a8e94-6de2-449d-abfd-e5c321d56d2d-485x360.jpg","width":485,"height":360,"mime-type":"image\/jpeg","source_url":"https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2021\/10\/8c2a8e94-6de2-449d-abfd-e5c321d56d2d-485x360.jpg"},"td_696x0":{"file":"8c2a8e94-6de2-449d-abfd-e5c321d56d2d-696x475.jpg","width":696,"height":475,"mime-type":"image\/jpeg","source_url":"https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2021\/10\/8c2a8e94-6de2-449d-abfd-e5c321d56d2d-696x475.jpg"},"td_1068x0":{"file":"8c2a8e94-6de2-449d-abfd-e5c321d56d2d-1068x729.jpg","width":1068,"height":729,"mime-type":"image\/jpeg","source_url":"https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2021\/10\/8c2a8e94-6de2-449d-abfd-e5c321d56d2d-1068x729.jpg"}},"image_meta":{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"1","keywords":[]}},"source_url":"https:\/\/www.olx.co.id\/news\/wp-content\/uploads\/2021\/10\/8c2a8e94-6de2-449d-abfd-e5c321d56d2d.jpg"}],"_links":{"self":[{"href":"https:\/\/www.olx.co.id\/news\/wp-json\/wp\/v2\/posts\/3724","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.olx.co.id\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.olx.co.id\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.olx.co.id\/news\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.olx.co.id\/news\/wp-json\/wp\/v2\/comments?post=3724"}],"version-history":[{"count":2,"href":"https:\/\/www.olx.co.id\/news\/wp-json\/wp\/v2\/posts\/3724\/revisions"}],"predecessor-version":[{"id":96479,"href":"https:\/\/www.olx.co.id\/news\/wp-json\/wp\/v2\/posts\/3724\/revisions\/96479"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.olx.co.id\/news\/wp-json\/wp\/v2\/media\/3725"}],"wp:attachment":[{"href":"https:\/\/www.olx.co.id\/news\/wp-json\/wp\/v2\/media?parent=3724"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.olx.co.id\/news\/wp-json\/wp\/v2\/categories?post=3724"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.olx.co.id\/news\/wp-json\/wp\/v2\/tags?post=3724"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}