The Busy City of Bandung and High Business Mobility
Bandung and its surrounding areas—from Cimahi to Padalarang to Rancaekek—are among the most active industrial and logistics areas in West Java. Hundreds of company operational vehicles travel back and forth daily: from delivery vans and distribution trucks to staff and technician vehicles.
This high mobility makes the risk of accidents, theft and vehicle damage very high.
But surprisingly, many companies in Bandung only realized that their vehicles were not actually covered by insurance after the incident occurred.
“We already have vehicle insurance!” — sentences like this are often said in a harsh tone.frustrationby business owners after their claims were denied or only partially paid.
The problem is not with the insurance, but with a lack of understanding of the contents of the policy and errors in managing the vehicle insurance program.
This is why many companies are now starting to entrust their vehicle protection to PT. Liberty and General Insurance Broker (L&G) — a professional insurance broker who sides with the interests of clients, not insurance companies.
Logistics Truck Overturns in Cimahi, Claim Rejected
Take PT. Maju Lancar Logistics, a building materials distribution company operating in the Leuwigajah industrial area, Cimahi.
They have a fleet of 12 trucks operating daily to deliver cement, iron, and materials to various construction projects in Greater Bandung.
One night, one of the trucks had an accident on the downhill route to Padalarang. The truck overturned, scattering its cargo. The damage was extensive—the truck’s body was crushed, and the driver was injured.
Management immediately reported to the insurance company, but their claim was rejected.
The reason: the truck was used outside the coverage area (Bandung–Cimahi), while the accident occurred in the Cianjur area.
In addition, it was found that the insurance policy did not cover cargo and did not include the risk of third party liability (TPL).
Ultimately, the company covered all repair and compensation costs, amounting to more than IDR 250 million.
Common Problems Often Faced by Bandung Companies in Vehicle Insurance
L&G noted that 8 out of 10 companies in Bandung face similar issues. Here are some of the most common mistakes:
- The policy does not match the actual use of the vehicle.
Many companies simply purchase a “standard” policy without considering the actual function of the vehicle.
For example: a vehicle that was originally only for office purposes is actually used for long-distance logistics operations, but the policy is still written private use only.
When an accident occurs outside the area, the claim may be rejected.
- No Protection for Load and Third Parties
Even though commercial vehicles always carry goods and interact with the public on the road.
Without Cargo Insurance And Third Party Liability (TPL), the company can be asked for large compensation if it causes losses to other parties.
- Insurance is inactive due to forgetting to pay premiums or not being renewed.
This administrative problem often occurs in companies with many vehicles.
Policies can expire without you realizing it, and vehicles that were assumed to be “covered” may turn out to be no longer covered.
- Not Paying Attention to the Insurance Value (Underinsurance)
Some companies lower the coverage value to make premiums cheaper.
However, when a vehicle is severely damaged, the compensation value received is far below market value — leaving the owner to cover the difference.
- No Neat Recording of Assets and Policies
Many companies do not have an integrated vehicle registration and insurance system.
As a result, during audits or claims, there is confusion between vehicles being active, sold, or damaged.
Another Case Example: Operational Cars for Property Companies in Dago
A property company in Dago Pakar, Bandung, has five operational cars used to transport marketing teams and project surveys.
One of the cars had an accident in the middle of the road due to heavy rain.
When the claim was submitted, the insurance company refused on the grounds that the driver was not a permanent employee and the driver’s license had expired.
Repair losses reached Rp. 120 million — all of which was borne by the company itself.
Following the incident, management decided to collaborate with PT. Liberty and General Insurance Broker (L&G).
L&G then conducted an audit and found that:
- Some vehicles are not properly insured.
- There is no clauseAuthorized Driver Extension.
- The insurance value is below market value.
L&G helps renew the entire vehicle insurance program, adding appropriate coverage, and ensuring any operational risks are fully covered.
How L&G Helps Companies in Bandung Manage Vehicle Risks
As a professional and independent insurance broker, L&G has a working system that focuses on comprehensive protection, cost efficiency, and ease of claims.
The following approaches were taken:
- Fleet Audit and Risk Mapping
L&G started by risk mapping the entire fleet:
- Vehicle type and use (office, distribution, heavy equipment, etc.).
- Operational areas (Bandung, West Java, inter-provincial).
- Accident and claims history.
This step ensures that the policy is adapted to the realities on the ground.
- Preparation of a Comprehensive Insurance Program
Based on the audit results, L&G prepared a package that includes:
- Comprehensive Motor Vehicle Insurance (collision, theft, fire).
- Third Party Liability (TPL) — compensation for losses to another party.
- Personal Accident for Driver and Passenger.
- Cargo Insurance (for logistics vehicles).
- Loss of Use Coverage — reimburses the rental cost of a replacement vehicle when the unit breaks down.
- Best Premium Negotiation
L&G tendered premiums to various large insurance companies in Indonesia.
As a result, clients get maximum protection at a more efficient cost, without sacrificing the quality of the guarantee.
- Fast and Transparent Claims Management
When an accident occurs, L&G acts as the client’s official representative in the claims process:
compiling reports, preparing documents, verifying damage, and ensuring timely payments.
The L&G claims team ensures that there are no trivial reasons for a claim to be rejected.
- Digital Data Preservation
L&G provides a Digital Insurance Register system, containing a list of vehicles, policy status, validity period, and insurance value.
This facilitates monitoring and prevents the vehicle from operating without active coverage.
Important Lesson: Vehicle Insurance Is Not Just a Formality
Many companies in Bandung still consider vehicle insurance as an administrative obligation, not a financial protection strategy.
In fact, one major accident can cost hundreds of millions of rupiah, even causing serious operational disruptions.
Worse still, without TPL (Third Party Liability) protection, the company could face lawsuits if the vehicle causes damage to another party.
With an insurance broker like L&G, these risks can be carefully managed through the design of specific, realistic, and profitable insurance programs.
Why Choose PT. Liberty and General Insurance Broker (L&G)?
Here are the reasons why many commercial, logistics, and industrial companies in Bandung entrust their vehicle insurance programs to L&G:
- 🚚Expert in Industrial & Commercial Fleet
L&G has experience in handling industrial, logistics and transportation vehicle fleet insurance. - 🧭Independent and Client-Friendly
Not tied to one insurance company, so L&G’s main focus is to protect customer interests. - ⚙️Free Consultation and Risk Analysis
Before preparing an insurance program, L&G conducts a free risk audit of the vehicle and operational systems. - 💬Claims Assistance Until Completion
Our experienced claims team will assist you until your claim funds are fully disbursed — not just by filing a report. - 💻Digital System for Policy Management
Clients can monitor vehicle and policy status in real-time to prevent administrative risks.
Success Case Example: Distribution Company in Rancaekek
A consumer goods distribution company in Rancaekek has 25 vehicles.
Before using L&G services, they often experienced claims delays and inefficient premiums.
After L&G conducted an audit, it was found that:
- 7 vehicles are registered double.
- 3 vehicles have not been reinsured.
- The insurance value of some units does not match market prices.
L&G restructured its entire program, combining motor insurance and TPL into one master contract, and negotiating collective premiums with several major insurance companies.
As a result, premiums fell by 18% while coverage was actually broader.
A few months later, one of the vehicles was involved in a major accident, and the claim of Rp 220 million was paid in full within 30 days.
Conclusion: Don’t Let an Accident Become an Expensive Lesson
Operational cars and trucks are the lifeblood of a business. Once damaged or lost, the impact can cause major disruptions to a company’s supply chain and cash flow.
Unfortunately, many entrepreneurs in Bandung only understand the importance of proper insurance design after their claims are rejected.
Don’t wait for that to happen.
With PT. Liberty and General Insurance Broker (L&G), you get commercial vehicle protection that really works when you need it.
Do you have a fleet of operational vehicles in Bandung, Cimahi, Rancaekek, or Padalarang?
Make sure each unit is fully protected with appropriate insurance.
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DON’T WASTE YOUR TIME AND SECURE YOUR FINANCIAL AND BUSINESS WITH THE RIGHT INSURANCE.
HOTLINE L&G 24 JAM: 0811-8507-773(CALL – WHATSAPP – SMS)
Website: lngrisk.co.id
Email: halo@lngrisk.co.id
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💼 L&G — Your Trusted Insurance Partner for Fleet and Transport Risk Management.
