The Importance of Car Insurance for New Drivers

Why Are Novice Drivers Vulnerable To Risk?

Entering the world of driving as a novice driver brings its own enthusiasm. However, minimal experience and lack of understanding of various traffic situations make them more vulnerable to accidents or incidents on the road. According to various traffic safety studies, new drivers, especially those under 25 years old, have a much higher accident rate than experienced drivers. Based on studies conducted by WHO, traffic accidents are the main cause of death in individuals aged 5 to 29 years, with 73% of victims under 25 years old are men.
 

Several factors that cause high risks for beginners include:
 

• Lack of rapid response to emergency conditions
  
  

• The lack of experience in driving in various weather or road conditions
  
  

• Lack of ability to assess the risk around
  
  

• The tendency to try high speed or aggressive driving
   

Because the risk is real and can cause large losses, car insurance is the main protector for beginners who have just started their driving journey.
 

After understanding the high level of risk, the next step is to see how car insurance can provide real protection and concrete benefits for novice drivers.

The Benefits Of Car Insurance For Novice Drivers

1. Financial Protection From Unexpected Losses

For novice drivers, just one small accident can cause the cost of repairing millions of rupiah. With insurance, these costs can be borne by the insurance company, preventing you from an unwitting financial pressure.

2. Give A Sense Of Security When Driving

Knowing that you are protected by car insurance will provide mental peace. This is very important for beginners who may still feel nervous behind the wheel.

3. Emergency Assistance When Needed

Many car insurance policies are currently equipped with 24 -hour emergency services such as cranes, flat tire assistance, or even replacement cars. This is very helpful for beginners who may not be accustomed to handling emergency situations on the road.

4. Education Of Driving Responsibility

Having insurance also educates beginners to be more responsible for driving, because they realize that every incident has consequences not only legally, but also financially.
 

After knowing the main benefits of insurance protection, now is the time to dig deeper about the most appropriate type of insurance for novice drivers and important factors that need to be considered in choosing a policy.

Types Of Car Insurance Suitable For Beginner Drivers

Choosing the right type of protection is a crucial step for beginners. Not all insurance provides the same protection, and for new drivers, it is important to choose a policy that really suits the needs and driving style.

1.  All Risk (Comprehensive)

This type of insurance provides comprehensive protection against various risks, both small and severe damages, including if the vehicle is scratched, dented, or involved in serious accidents. For beginners who are still vulnerable to errors on the road, All Risk insurance is highly recommended because it can bear almost all types of damage.

2. Total Loss Only (TLO)

This type of insurance only covers loss if the car suffers total damage (generally above 75%) or lost due to theft. Although the premium is lower, TLO insurance is less ideal for beginners because it does not cover minor damages which actually occurs more often at the beginning of the driving period.

3. Expansion Of Additional Guarantees

Some insurance companies provide additional protection that is very useful for novice drivers, such as:
 

• Legal assistance if involved in an accident with a third party
  
  

• Third Party Responsibility (TPL)
  
  

• Emergency assistance 24 hours
  
  

• Protection of Floods and Natural Disasters
   

If you are still hesitant to determine the type of protection, consult directly with the insurance provider or take advantage of the policy comparison feature which is now widely available online.
 

Knowing the type of insurance is not enough. Before buying a policy, it is also important to understand important elements that must be in a car insurance, especially for beginners.

Important Features That Must Be Sought In Insurance Policy

New drivers need to consider the following features when selecting insurance:

1. Affordable Premiums With Maximum Benefits

Choose a policy with a premium according to the budget, but make sure the scope is not too limited. Look for a balance between price and protection.

2. Easy Access To Claim Services

Beginners will be greatly helped by the claim process that is fast, clear, and can be done digitally. Make sure the insurance company has a good reputation in handling claims.

3. The Extensive Partner Workshop Network

This feature is very important so you can fix vehicles in close and trusted locations without additional costs.

4. Substitute Car Option

If the car is damaged and needs to be repaired for a long time, replacement car services will be very helpful for daily activities to continue to run normally.

5. Protection Against Drivers And Passengers

Some policies offer medical compensation if the driver or passenger suffered an injury due to an accident. This is important for comprehensive protection, not just for your car.
 

With all these features, beginners are not only financially protected but also get a safer and more comfortable driving experience.
 

After understanding the important features and relevant types of insurance, it's time to see how to choose the right car insurance policy for new drivers with more efficiency and intelligence.

Tips For Choosing The Best Car Insurance For New Drivers

Choosing car insurance can be confusing, especially if you do it for the first time. Here are some practical tips that can help novice drivers:

1. Use The Insurance Comparison Platform

Take advantage of digital services such as premium calculators or policy comparison features so you can see choices that suit your needs and budget.

2. Prioritize Protection, Not Just Prices

Many beginners are tempted to choose the cheapest policy, even though the protection provided can be very limited. Focus on long-term benefits.

3. Check The Reputation And Review Of The Insurance Company

Choose a trusted insurance provider and have a positive review, especially in terms of speed and ease of claims.

4. Read The Terms And Conditions Carefully

Don't just rely on a summary of benefits. Make sure you understand very well what is borne and what is not in your policy.

5. Consider Digital-First Insurance

Digital insurers such as Oona provide ease of purchasing, claims and monitoring policies online. This is very practical and suitable for young people who are accustomed to instant and transparent services.
 

By following the tips above, novice drivers can have insurance that is not only as needed, but also provides optimal protection since the first day of driving.

Conclusion

Being a novice driver is a pleasant and challenging experience. The lack of driving experience makes you more vulnerable to incidents that can be financially and emotionally detrimental. This is where the role of car insurance becomes very important.
 

By having the right insurance protection, novice drivers not only get a sense of security when driving, but also learn about the importance of responsibility, financial planning, and road safety. Types of car insurance such as All Risk with various additional features will greatly help create a more comfortable driving experience and minimise risk.
 

If you or the closest person you just got a SIM and will start driving independently, now is the best time to consider car insurance protection. You can start by checking the price and benefits of the policy for free through Oona.