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Buying a car and car insurance
Moving to Bali and we will be looking to buy a car, maybe a couple of years old.
Where is the best place to buy one?
Is it worth buying a decent secondhand one, is there a big difference in price to a new one?
Are prices negotiable for both new and used from dealers?
Do they generally come with a warranty if you are buying from a dealer and is it actually worth anything?
We were also told that there is no car insurance here, really??
Any tips and pointers would be greatly appreciated!
I bought my car very slightly used, only 6,000km, in Denpasar. As in Australia there is the “rolling off the showroom floor” syndrome and that huge sticker price was knocked down. My car is a Honda Jazz and it has been faultless for a year. The price of my car was about as negotiable as it would have been in Australia but we had a Balinese friend helping us and it made a big difference. In fact it made all the difference because the owner and people in the dealership didn’t speak enough English for us to communicate.
My car came with the Honda warranty but I don’t know how much that would be worth in Bali.
Yes, there is car insurance and I have it for my car. We don’t have house insurance but we do for the car. I have used it a couple of times for little dents and bruises and also when a side window was broken. The insurance company have been very easy and accommodating to deal with.
My Bali observations here - http://baliquest.wordpress.com/
Thanks for your input Pollyana! Did you buy your insurance through a broker or on line? Can you buy on line insurance here? Are there good and bad companies? Is insurance here relatively inexpensive?
I find it easy to deal directly with the insurance company. A representative will come to your house. Being Indonesia he will NOT turn up on time but he will eventually get there.
My vehicle is insured through Autocillin for the value of just under 200,000,000. This costs a yearly amount of 4,200,000. This covers accidents and flood damage to the vehicle. There is also a third party cover amount of 10,000,000 per accident. It seems I must run people over very carefully.
House insurance is with Alliance and is only 2,400,000 per year. This covers fire, lightning, explosion, falling aircraft (?), riot, flood, tempest, landslide, civil commotion and burglary. Any one event is currently insured up to 1,300,000,000. (I may increase this with the policy renewal.)
I have never had to make a claim so can not comment on that side of the insurance policies.
If you are thinking of buying a car 2 or 3 years old, buy NEW. Indonesia dose not have a written off registry so all cars are repaired.
I still have 4 cars in Australia that I would like to bring here, S/H cars are over priced, a used taxi is 75jt but in Australia they are worth the price of scrap steel.
I'm still trying to bargain a car at the police station before it go's to auction next month, we are stuck at 7jt. Still over priced
Also remember Indonesian do not maintain there cars, you would be lucky if they have a log book.
Hi. I also got allianz home insurance. It seems I got ripped. Our place is insured for 1.5M (plus 300jt for contents), and it cost us 8jt. But we also have the earthquake/tsunami/volcano cover on top of the things you mention.Originally Posted by no.idea
Are you sure you didnt get the prices of the car and home insurance mixed up?
could you tell me what % of your house price your policy was charged at?
surely its a set rate for all.........(i have 2 policies, the one you mention is the first, then the earthquake etc is the second). our % charge rate should be the same for the first.
thanks
I am positive that I did not get anything mixed up! I actually had the 2 insurance policies beside me when I submitted my comments. You are welcome to come around and check them.
I realise that I look through different glasses to most people, however I really do know what is happening around me.
After getting that out of the way you are very welcome to come over for a barbecue at some stage.
no prob no.idea, was just checking as it seems your policy was given at a different % rate than mine, and i thought allianz had set rates, didnt realise they may just change the policy figures (for the same kind of policy) from person to person.
thems the brakes. i have another 3 places which need insuring in the near future. Allianz wont be gettting them unless they come up with a good explanation as to why they they are charging different people different prices for the same policies.
bbq sounds good, ill bring my allianz insurance policy to use as kindling....
sorry crosskeyscottage, didnt mean to turn your car insurance thread into a house insurance thread.
also to note is that low milage/ km on used cars doesnt account for much here regarding discounts . Actually the odometer doesnt really represent any true " work load " of what a car has done ( in the city anyway ) , as engine hours would be a better guage for this. It should be law here that engine hour guages be installed on cars here .
Someone driving a car daily from denpasar to Kuta for example would have very low km on the clock ..., but have huge engine hours in the macet( traffic jams) ..., and Jakarta you can times the engine hour again times ten .
Once used cars are also out of their warranty periods , often cheap servicing is done to save money , ie; cheap oil, and non genuine parts used , and any funny noises ( problems) are blissfully ignored untill too its late which creates other additionl problems to adjoining parts etc
..., in fact they even have the " MAGIC Benkel " , for when you cant afford to have the car repaired. The magic mechanic will perform magic on the car - lol .
Whatever this MAGIC comprises of is a mystery and you never get to see it either ..., perhaps magic is old salvaged 90% worn out used parts , or perhaps banana peels shoved into a worn and noisy differential in order to make the noise go away ?
If I was to buy a used car , Id make sure it was still under warranty , or as close to as possible ..., unless that is , the car was of a luxury type from a well off meticulous and proud owner who was upgrading to a later similar model , who would most likely have service records from dealerships etc.
Then theres the new vs used debate ..., with 2nd hand prices so high here , often it doesnt make sense to buy 2nd hand .
Also adding confusion is - cars get really trashed here , with the bad roads , multiple scratches in traffic , cars constanly out in the weather , or carports instead of proper lock up enclosed garages , etc ................, a suitable vehicle is an army tank .
I cant see the missus agreeing with this , but a cheap ( new ) ute like a diahatsu grand max etc , ie; - a cab on shazz with a steel rear tray ( aluminium even better ) would suit me ..., as youve only got the cab to worry about , and the motorbikes squeezing past can scratch up that tray ( or run into the back of it ) as much as they like without me losing any tears over it - lol - I could even throw an old lounge and a bbq in the back.
Last edited by balidavo; 11-02-2012 at 08:45 AM.
new or second hand, but where are the good dealers or proud owners upgrading?
OK so if we are going to go down the track of new or nearly new car, any recommendations from anyone, or any proud owners out there that want to have the latest model instead of their nearly new model?
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