INSURANCE WHEN SHOPPING ONLINE IN E-COMMERCE

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That sound could be the moment most awaited by friends who like to shop online on e-commerce platforms. For those of you who often make online shopping transactions in e-commerce, of course you have found additional options in the form of protection for the goods to be purchased, this is a form of insurance for e-commerce services. Like insurance in general, insurance on e-commerce features when shopping online functions as protection, namely reducing the potential losses experienced by buyers in the event of a disaster or unexpected event on the goods purchased (for example the goods received are damaged).

By utilizing insurance services when purchasing goods online through an e-commerce platform, in a situation where unwanted things occur, consumers only need to submit a claim to be able to get financial compensation for the goods purchased. Insurance also provides protection guarantees for the delivery process of goods purchased by consumers. In addition to guaranteeing product safety during the delivery process, insurance also provides protection from damage due to negligence in the use of goods that have been purchased and even several other benefits.

Consumers can get various protection benefits for a certain period of time according to the type of goods purchased. For example, electronic goods purchased are accidentally dropped or exposed to water spills. During the active protection period, consumers can submit a claim for damage to the item to the insurance provider.

The good news is, you can find all of these insurance benefits when shopping at several e-commerce services.

Various online shopping insurances not only provide goods delivery insurance, there are also those that offer more protection to their consumers through Product Protection insurance, Bill Protection insurance, and even Travel Insurance.

Then, what exactly is the function of insurance when shopping online in e-commerce? Here's the review.

1. Reducing potential losses due to risk of loss

Insurance on the purchase of goods will generally guarantee your goods from loss. With that, you will be able to calm down a little because if there is a risk of loss, it will be borne by the insurance company chosen when making a purchase transaction. You can make a claim when you lose items ordered online through the e-commerce service provider's application.

2. Reducing potential losses due to the risk of damage to goods

In addition, goods insurance when shopping online generally also protects goods from the risk of damage. Oftentimes, damage due to shipping can occur especially in electronic goods and gadgets. With an insurance guarantee, you don't need to worry about damage during shipping because it is fully borne by the insurance company as long as it fulfills the claim conditions.

3. Prevent potential losses if the goods purchased/received do not match the product description

The protection provided by the insurance company will automatically reduce the potential financial losses that may occur in each buyer's transaction. With reduced potential losses, every buyer will benefit more from the guarantee of security from insurance. For this reason, insurance is quite important for every friend who shops on an online platform.

4. Guarantee at affordable prices

With so many security guarantees provided, the price of goods insurance is generally not expensive. Shipping insurance costs generally depend on the type and weight of the goods to be sent, so the price varies quite a bit. Then, standard insurance costs can also be added according to the desired level of security. Many product categories can get protection when shopping on e-commerce, such as the following:

Gadget and Electronic Protection,

beauty protection,

Goods Damage Protection,

Protection of Sports and Hobbyist Goods,

Furniture Protection,

Protection of Mother and Child products,

Protection which includes services such as Flight & Train Protection,

Bill Protection, and there are still several other protection options.

Consumers do not need to worry about the safety of product insurance on e-commerce platforms. This is because several e-commerce service providers in Indonesia have collaborated with several trusted insurance partners who have been registered and licensed by the OJK to maximize the Product Protection program. For example, insurance companies that are partners in several e-commerce service providers in Indonesia such as Tokopedia and Bukalapak are as follows:

PT Asuransi MSIG Indonesia and Simas Insurtech Insurance (Furniture Protection),

PT Asuransi Etiqa Internasional Indonesia (Automotive Protection, Mother and Child Protection, Travel and Hobby Protection),

PT Asuransi Adira Dinamika (Gadget Protection),

PT Asuransi Simas Insurtech (Electronic Protection),

PT Sompo Insurance Indonesia (Shipping Protection and Goods Damage Protection),

Meanwhile, Bill Protection insurance will make it easier for consumers to get more protection when paying bills for digital products, such as electricity, water, internet and cable TV bills. Simply by paying a premium starting from Rp. 3,000, you can receive guaranteed compensation of up to Rp. 500,000 for inconvenience if the billing product being paid is temporarily inactive (service not operating) for at least 2 hours in a row.

By taking advantage of insurance, you can shop online with peace of mind, safety and fun. Remember, friends, buy goods according to your needs, not because you want, because of the convenience of shopping online with just the touch of a finger on your gadget, of course you have to pay with various options, both in cash and in installments, and don't burden your financial condition, friend.