Protection Offered by Garda Oto

Asuransi Mobil Garda Oto

Comprehensive

Covers the risks for partial loss/damage and total loss caused by all risks not excluded in the policy.

Asuransi Mobil Garda Oto

 Total Loss Only

Covers the risks caused by theft and damage if the repair cost is equal to or exceed 75% from the vehicle price immediately prior to the loss.

Extended Coverage

Personal Accident Driver

This extended coverage will protect motor vehicle drivers that you are insured from risk of injury or death and or medical expenses that occur in and are directly caused by the motor vehicle accident.

Personal Accident Passenger

This extended coverage will protect motor vehicle passengers that you are insured from risk of injury or death and or medical expenses that occur in and are directly caused by the motor vehicle accident.

Third Party Liability (TPL)

This extended coverage will allow you to get collateral for third party losses caused by your negligence when driving a motor vehicle that you are insured. Losses are guaranteed not only property damage but also the cost of treatment on injury or death

Strike, Riot, Civil Commotion

This extended coverage will protect vehicle that you are insured from loss and or damage directly caused by riots, strikes, blockades work, brawl, the generation of people without the use of firearms, a revolution without the use of firearms, treason, and or natural prevention against risks that mentioned earlier.

Terrorism & Sabotage

This extended coverage will protect vehicle that you are insured from loss or damage directly caused by terrorism and sabotage and or natural prevention against risks that mentioned earlier.

Flood & Windstorm, Earthquake, Tsunami, Volcano Eruption (Act of God)

This extended coverage will protect your motor vehicle from losses or damages directly caused by natural disasters. The extended coverage covers against loss or damage caused by hurricanes, storms, hail, flood, inundation and landslides, and the extended coverage also covers against loss or damage caused by an earthquake, tsunami or eruption volcano.