Tempo Explain: Siap-siap Wajib Asuransi Kendaraan
Tempo Explain: Siap-siap Wajib Asuransi Kendaraan
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00:00The government will oblige all motor vehicle owners to comply with the Third Party Liability Insurance or TPL.
00:10TPL insurance is a type of insurance that provides risk-taking on the request for compensation from third parties.
00:18The Financial Services Authority or OJK states that it is drafting a premium mechanism that will be applied to motor and car owners.
00:26The plan is that the policy will be implemented in early 2025.
00:32This plan will be implemented after President Joko Widodo raised the government's regulations through the Ministry of Finance to pass Law No. 4 in 2023 on the development and strengthening of the financial sector.
00:45Now, the OJK is waiting for the government's regulations that will be the umbrella of the policy.
00:51The Chief Executive of Insurance, Insurance and Pension Funds OJK, Ogie Prastomiono, claims that this vehicle insurance will be useful when there is an accident that must bear the loss of the third party.
01:04The existence of TPL insurance will reduce the cost of compensation for consumers.
01:11The Indonesian General Insurance Association welcomes the plan to implement the Motor Vehicle Insurance Regulation.
01:18As a sponsor, 80 companies that are included in the association will form 3 consortiums to provide this product.
01:26The Indonesian General Insurance Association values ​​the steps can facilitate customers to choose which vehicle insurance company to use.
01:37Although the Motor Vehicle Insurance Regulation can add protection to the public from the risk of accidents, the policy receives criticism from various parties.
01:49A member of the 5th DPR Commission, Suryadi Jayapurnama, said that the Motor Vehicle Insurance Regulation is not a solution to the problem of traffic accidents.
01:58The members of the PKS faction also argued that the requirement of insurance could potentially undermine the public economy.
02:05Because some people make vehicles not just a means of transportation, but also a means of production.
02:12So he argued that it could potentially cause a rise in the price of various goods and services.
02:19In conjunction with Suryadi, the head of the Legal and Legal Affairs Department of YLKI, Rio Frian Bodo, argued that not all people have a vehicle that is able to pay the insurance premium.
02:29Suryadi argued that the government should advance public opinion before deciding to implement the vehicle insurance requirement.
02:38Insurance expert Dedy Christianto estimates that the Motor Vehicle Insurance Regulation will increase the growth of the insurance sector considering the large number of vehicles in Indonesia.
02:49However, the growth of the insurance sector has a potential not to last long.
02:54He predicts that the potential lapse ratio will be high.
02:59The potential lapse ratio is the ratio of insurance companies issued at the right time, which is not renewed compared to the total number of policies issued during the same period.
03:11At present, motor vehicles are owned by various sectors, including lower-class communities.
03:17Dedy believes that the implementation of motor vehicle insurance requirements on this group will be difficult to do.
03:22Especially when there are many requirements that must be met by the community, such as the BPJS health requirements.
03:27Even so, the government is currently planning to implement the TAPERA requirement for employees.
03:32Implementation of motor vehicle insurance requirements will make the community feel more burdened.