JAKARTA – The government’s plan to require third-party vehicle insurance is being questioned due to urgency. Observers believe that insurance obligations will only fall on society, especially the lower middle class.
The government’s plan to require all motor vehicle owners to participate in third-party liability insurance (TPL) from 2025 was revealed after President Joko Widodo (Jokowi) signed government regulations through the Ministry of Finance to comply with Law Number 4 of 2923 on the Development and Strengthening of the Financial Sector (UU PPSK). Currently, the Financial Services Authority (OJK) is awaiting government regulations that will become the regulatory legal umbrella.
Trisakti University public policy observer Trubus Rahadiansyah said the policy would only increase the burden on society, especially low-income people.
Meanwhile, the Indonesian Public Insurance Association (AAUI) welcomed the plan. AAUI Executive Director Bern Dwyanto argues that TPL insurance can reduce the financial burden on the government by compensating victims of traffic accidents.
Perhaps many people are still used to the term Third Party Insurance or TPL as it has been discussed lately. Insurance observer Irvan Rahardjo explained that TPL is legal liability insurance against a third party. This system addresses the risk of compensation from third parties if the vehicle causes loss to others.
Simply put, if a vehicle hits a vehicle or property and another person to file a legal claim, this action is covered by the insurance.
While this program may add protection to the public, many are critical of the mandatory motor vehicle insurance regulations.
Insurance observer Dedy Kristianto believes that, on the one hand, the mandatory motor vehicle rules can increase the growth of the insurance sector because the number of vehicles in Indonesia is very large. But this growth cannot take a long time, as it is not impossible to use, or the expiration ratio will be high.
The lapse rate is a comparison of the policy over time (cancelled) in a year with the number of policies still valid at the beginning of the year.
Dedy also believes that it will be difficult to implement compulsory motor vehicle insurance in Indonesia because motor vehicles are currently owned by various circles, including subtole groups.
To this end, he urged the government to be able to socialize the massive benefits of insurance to the public. Awareness of the importance of insurance will encourage the public to voluntarily insure their vehicles. And this must also be accompanied by economic growth so as not to become a program in vain.
“Insurance awareness must be accompanied by the ability to pay premiums. Without it, yes, it cannot be crowned,” said Dedy, as quoted by Tempo.
Meanwhile, Trisaksi University public policy observer Trubus Rahadiansyah said the government should first conduct a study before implementing a mandatory vehicle insurance program, especially in terms of who is a tax payer.
In this case, Trubus refers to Article 39A of the PPSK Act, which states that the government “may compel certain groups in society to participate in the compulsory insurance program.”
“Some people who are concerned here need to be clear,” Trubus said when contacted by VOI.
“In Indonesia itself, motor vehicles are divided into two-wheelers, two-wheelers and four-wheelers. Again, the owner of cars whose CC is 1500, 1000 must be different from his wife. Then the motorcycle owner whose CC is 250 is also different from others. And the CC is 100 can be librealias don’t have to pay,” he continued.
Trubus added that the policy of requiring TPL insurance on motor vehicles will only increase the burden on society as a whole. Because until now society has been burdened with a number of contributions such as tax payments and the Social Health Insurance Organization Agency (BPJS). Recently, the government also plans to introduce a mandatory tax for the general housing savings account (Tapera). For this reason, it believes that this program should be made optional, also called voluntary.
“If he has to, it places greater burdens on society. Until now, there has been accident insurance, namely Jasa Raharja. So want to increase insurance, what other insurance? Our company has paid other obligations such as BPJS, Jamsostek, taxes and others,” he stressed.
Like Trubus, Rio Priambodo as Head of Complaints and Law for the Indonesian Consumer Foundation (YLKI) also believes that not all people who have vehicles can pay insurance premiums. Additionally, seeing the purchasing power of people today who have not fully recovered from the COVID-19 pandemic.
“The government should prioritize public opinion before deciding on compulsory car insurance,” Rio quoted Tempo as saying.
On the other hand, the Indonesian Public Insurance Association (AAUI) welcomes the plan to implement this mandatory motor vehicle insurance. AAUI Executive Director Bern Dwyanto said it is preparing insurance industry players to support TPL as mandatory insurance.
A total of 82 AAUI member companies will form three consortia to provide this product. This step is seen to help customers choose which vehicle insurance company to use.
TPL insurance, Bern said, can reduce the financial burden on the government by compensating road accident victims.
“At the same time, provide financial assistance to accident victims or families,” he said.
A number of benefits derived from this insurance include treatment costs for the injured, compensation to the heirs of the deceased victim and compensation for property loss caused by an accident.
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