Many people change the function of private cars became a taxi online. Can be full, in the sense that the car is only used for taxis, or part time, so a taxi when the car is not used alone.
In the world of insurance, changing the function of vehicles like this under certain conditions can make insurance claims do not apply.
For example, when a private car is used by an online taxi and when an accident occurs, regardless of the type of accident and whoever drove it, the insurance proposal will not be accepted. What is the reason?
L. Iwan Pranoto, Head of Communication and Event of Astra Insurance, said that all claims must be based on the agreement in advance.
The agreement with the consumer is for personal use, not commercial. This means that if something happens outside of personal use, he cancels the agreement
As for the use of commercial use is the use in which the owner of the car receives the upper service payments made against the car. So in addition to online taxis, the cancellation of the agreement is also included when the car is direntalkan.
So this policy is enforced because the risks of personal and commercial use are different. The car will be far more risky to be damaged or even lost when it is used for commercial activities.
Therefore, Iwan suggested that if the car is used for commercial activities, then from the beginning of the proposed insurance in accordance with it. But the premium is a bit bigger.