The Perspective of Vehicle Insurance

The presence of motor vehicles in the country that more and more become an easy target insurance companies in expanding on the financial crisis. People are more cautious in making their vehicle ownership is a good insurance.

Motor vehicle insurance has become one of the micro business that is being targeted by insurance companies. "In a situation such as this, micro-business seems to be the target of insurance companies, especially those associated with motor vehicle and property," said Chairman of the General Insurance Association of Indonesia Frans Wiyono to PersdaNetwork in Jakarta.

The period of the current financial crisis lead to insurance is not relying on the corporate sector. This can be seen from the trend of many companies that increasingly difficult so that the risks are high. For the insurance industry, motor vehicle does have a very positive trend. Proceeds from year to year premiums rise sharply. He mentioned, in 2005 reached Rp 3.11 trillion and then increased to Rp 3.5 trillion in 2006 and to Rp 4.2 trillion in 2007.

In 2008 the figure has not been fully calculated. However, menuru Frans, the increase is expected to reach double digits. "This year was difficult, but the company should seek a breakthrough micro businesses. Trend improvement could still occur and the potential for very
great, "he said.

Previously, the same thing expressed by the Director of PT Asuransi Sinar Mas Dumasi Magdalen Naidoo. In 2009, Simas will be more direct shot to the retail sector. Mentioned, insurance on motor vehicles has been proven. In 2008 Simas successful fund earned premiums amounted to Rp 551 billion from the protection of motorcycle and car. His claim was not a lot, not more than 10 percent.

"It's the amount of premiums less than the property, but little risk car insurance so that his claim was not a lot," said Director of PT Asuransi Sinar Mas in Jakarta recently.

Mentioned, Simas years ago able to raise funds from property insurance amounted to Rp 2 trillion, but the amount of his claim is also much more. Although Dumasi not mention the number, the number of occurrences in 2008 to make this insurance is also much to pay claims.

"Last year a lot of fire factories also houses the fire, so yes pretty well," he said.