Difference of All Risk and Total Loss Only Car Insurance Car Insurance

Difference of All Risk and Total Loss Only Car Insurance Car Insurance
Difference of All Risk and Total Loss Only Car Insurance Car Insurance

You usually heard of cheapest car insurance general but what is the Difference of All Risk and Total Loss Only Car Insurance ?

Then, when it is decided, what kind of car insurance needs to be taken? First of all, we need to know in advance two types of car insurance as well as advantages and disadvantages. Car insurance is divided into two:

  1. Total Loss Only Car Insurance (TLO )

Literally Total Loss Only means “only if loses total”. Means that insurance claims can only be filed in case of ‘total loss’. In car insurance, the total loss is a damage that occurs above 80% or loss of theft or for plunder. If the damage suffered is less than that, you will not be compensated for damages. The 80% benchmark is taken because the car is definitely not usable. The surplus, Total Loss Only insurance premium is lower than all risk car insurance.

  1. All Risk or Comprehensive Car Insurance

All Risk can be defined as ‘any risk’. This insurance is also called Comprehensive or overall. This means insurance will pay claims for any kind of damage, ranging from minor damage, serious damage, to loss. Unlike the Total Loss Only Car Insurance, a slight blister on the car, insurance will pay insurance claims. It’s just that All Risk car insurance is more expensive than Total Loss Only Car Insurance.

In order not to choose wrong, you can compare All Risk car insurance and the best Total Loss Only Car Insurance car insurance for your vehicle. Compare best car insurance products from leading insurance companies throughout Indonesia

Every car insurance may have a varied policy. In general, how to calculate Total Loss Only Car Insurance and All Risk car insurance premiums is based on the insurance rate multiplied by the price of the car. The rate as presented in the table above is not the same for each region and category.

Toyota C-HR 2018 car models

Toyota C-HR 2018 car models

2018 car models Toyota Indonesia promises to launch four to six new car models. Which can be ascertained is the car in the family car segment (MPV) and crossover or a compact SUV.

Therefore explanation from Executive General Manager of PT Toyota Astra Motor (TAM), during media gathering in Jakarta yesterday, he said, his side plans in the first half of 2018 will slide two to three cars, while in the second half also two to three models of cars. “The amount is minimal yes,” he said.

However, he acknowledged that the number of models could have increased, as this depends on the readiness of the market and the economic condition of Indonesia. One model of a car that is almost certain to slide next year is the Toyota C-HR, a compact SUV type. Moreover, Toyota Indonesia has also conducted studies since this year, including a study of the choice of engines to be brought. Keep in mind, produced in Turkey, this compact crossover sports car has three engine variants in Europe, namely 1.2 L Turbo, 1.8 L, and 1.8 hybrids.

Unfortunately, he is reluctant to reveal when the launch of Toyota C-HR is. “Just wait for the time,” he concluded.

From the information collected Merdeka.com, Toyota C-HR has several advantages. First, the design comes out of the design grip of Toyota, because it uses a new design bench called Toyota New Global Architecture (TNGA).

Second, the concept as an environmentally friendly car with efficient fuel consumption, but has a very strong sporty character. Built on the same platform as the Prius Gen 4, C-HR offers a choice of 1,800 cc hybrid engines.

Third, Toyota C-HR in the global there has three engine variants, namely 1.2 liters; 1.8 liter hybrid; and 2.0 liters. All three combined with automatic transmission continuously variable transmission (CVT). Special hybrid engine is capable of producing very little emissions, ie less than 90 g / km. This machine is claimed to be better than 40 percent of the previous hybrid system.

Fourth, this car has been officially marketed in Europe earlier this year. As a result, C-HR became a Japanese brand car that recorded the third largest sales in Europe as well as a serious contender in the crossover segment or a compact SUV.

According to JATO Dynamics data, C-HR has sold as many as 31,888 units in the European continent, competing hard with the older players of Nissan Qashai, Ford Kuga, and Peugeot 3008. But it has surpassed Renault Kadjar and Seat Ateca. Toyota Europe is targeting

6 Tips to Reduce Stress of Traffic Jams

Traffic jams are often a problem in human life in big cities, and are often referred to as one of the causes of stress. But is there really no way to overcome that? Before we discuss the problem, it’s good if we know a little about the mechanism of the mind.

Basically, the human mind is easier to bring negative thoughts than positive thoughts. Negative thoughts will come out of nowhere in the face of certain situations. While positive thoughts must be raised intentionally. But do not worry, according to some theories, positive thoughts are much stronger than negative ones. So the first thing to do in the face of a stress is to think consciously. Well, now we will discuss about things we can do to cope with stress in congestion. To remember is that all of these things must be done consciously.

1. Prepare your body condition
At the time will face congestion, prepare your body condition first. Make sure that you will not be pressed to urinate when you are in the middle of a jam.

2. Filter the information that goes into your mind
Currently, for those of you who use cars, almost all are equipped with audio devices. Motorcyclists and users of public transport also often use gadgets as an entertainment tool when facing congestion. This method is powerful enough to reduce stress levels in the face of congestion. However it should be used appropriately. Avoid heavy information, e.g. news about wars, robberies, etc. We recommend listening to music that is easy listening. The volume of the sound must also be arranged, not too hard, because instinctively human “fear” will sound loud, so if the music is refreshing too hard the body will consider it as a threat and give the same reaction as when we are stressed.

3. Re-framing
Almost all of us view stress as something that stands in the way of purpose. To reduce stress, we can look at the bottleneck from another point of view, for example: it is the bottleneck that takes us to the destination.

4. Self Talk
Use at a standstill as a moment for you to communicate with yourself. Use a positive self talk that can empower you. This traffic jam will lead us to do the presentation we have prepared, and we will be successful with it.

5. Breathe consciously
When facing congestion, you can also perform breathing techniques. The way to breathe consciously, then intend every time you draw your breath pull pure oxygen and positive energy from the air that calms your body and mind. And when you throw your breath away, intend to get rid of all the stress and tension in your body and mind.

6. Stretching
Performing Stretching periodically at a standstill can also be very helpful. With stretching, in addition to relieve stiffness, it can also help relax the muscles of the body. So there are some tips that can be done when facing congestion. Good luck.

Things to Consider before Buying Car Roof Racks

Things to Consider before Buying Car Roof Racks
Things to Consider before Buying Car Roof Racks

The use of car roof racks as place for storing goods is very popular among cars owner. Other than as an alternative in carrying goods that are safe and comfortable, it is also widely used as accessories to add a strong impression on the car. It generally made of iron, aluminum and plastic. Iron material used for roof rack is generally used for off-road car like SUV, and cars with high carrying ability. While for MPV cars, many car owner use roofrack material from aluminum which is lighter than iron, so as not to burden the car itself with its weight. While for city car cars, mostly wear roof rack with aluminum or plastic materials which is a lot lighter.

Car roof racks installation should be consulted to the official car repair shop to find out whether the car can be installed with custom roof rack or not.Usually for some of low-cost car are made with not-strong enough material, which unable to hold on the weight of roof rack. Roof rack mounted on the car must be eligible to survive at a speed of 140 to 160km/h, while the recommended load for transporting goods is different on each type of car.

For the type of MPV or city car, the maximum load that can be transported by the car roof racks 75 kg. SUV is usually able to hold the maximum weight for storage on its roof until 100 kg. However, car owner should mind that the roof rack still can to survive at speed of 140-160 km/h. According to the car mechanics, the good roof racks not only considered by its model, but also material made and the strong installation. In simple, at least roof rack should be able to withstand the burden weight similar to 6 adults weight.

For more guide about Best Car Rooftop you can go for http://www.cargocarrierbox.com/best-rooftop-cargo-carrier-luggage-rack-reviews/