Comprehensive car insurance Online in Indonesia

What is car insurance in Indonesia?

Car insurance in Indonesia provides protection to drivers of vehicles against financial risks - in the event of a car accident, collision with objects, theft, natural disasters, etc.-for their vehicles and the passengers in them.

What types of car insurance are available in Indonesia?

There are two types of car insurance policies generally available in Indonesia: Comprehensive Car Insurance (All Risk) and Total Loss Only (TLO).

Comprehensive car insurance, often referred to as all Risk insurance in Indonesia, can vary in the level of protection depending on the insurance company you choose.

Total Loss Only (TLO) is a type of car insurance that will generally provide insurance coverage only if the damage to your vehicle exceeds 75% of the total value of your car or if your car is stolen.

What is comprehensive car insurance in Indonesia?

Comprehensive car insurance in Indonesia, also known as all Risk insurance, is a type of car insurance that provides comprehensive protection against risks such as property or health damage, car collisions or accidents, theft, fire, floods, and other natural disasters. Often you can customize this policy with additional options that suit your needs the best.

What is the difference between comprehensive and Total Loss only (TLO) car insurance?

The main difference between comprehensive and Total Loss only car insurance policies is the level of insurance coverage and of course, the price of the premium. Comprehensive car insurance provides financial protection against a wider range of risks compared to Total Loss only coverage. This means that if you have a TLO insurance policy, you can only file a claim if the damage to your car is equal to or higher than 75% of the value of your car. For example: damage to a car bumper may be covered by a comprehensive car insurance policy, but is not covered by a TLO policy. However, if your car is stolen, this will be covered by both comprehensive car insurance and TLO car insurance. Because of this, insurance premiums from all Risk comprehensive insurance may be higher because insurance companies have to take greater risks in protecting your vehicle from various damages.

Which type of car insurance is best for my car?

The best car insurance policy for your car will depend on several factors such as your driving habits, your budget, the type of vehicle you own, and the level of protection you want.

If you have a vehicle that you value and use frequently, comprehensive insurance may be a better option because it offers better coverage and protection. On the other hand, if your vehicle is much older and has lost significant value, and you are looking for cost efficient protection, Total Loss only insurance may be a better option for you.

What types of car insurance does Roojai offer?

Roojai Indonesia currently offers comprehensive car insurance (also referred to as All Risk) that can be customized according to customer needs, thus allowing you to find the coverage that suits you and your budget the best.

What are the car insurance coverage options?

Comprehensive car insurance policies with Roojai cover primary coverage which can then be customized with additional benefits to get competitive coverage according to your needs.

These additional benefits include:

Sum insured up to IDR 2 billion

Coverage of third party liability for bodily harm and property damage. It protects you when you accidentally hit someone else's car, for example. At Roojai, you can choose the value of insurance coverage of IDR 0, 25, 50, 100 million.

Coverage of personal accidents and medical expenses. Customers can choose the coverage value of IDR 0, 20, 40, 60, 80, 100 million per person.

Protection from natural disasters such as floods, strong winds, earthquakes, volcanic eruptions, and tsunamis.

SRCC protection (Strikes, Riots, Civil Commotions)

Emergency help on the road-get help on the road 24/7 in an emergency.

Transportation allowance in case your car is in the workshop for more than 5 days.

Accessories. At Roojai, we currently cover body kits, AV systems, car window films, tires and wheels, and dashboard cameras. Coming soon.

Does the roojai partner workshop provide warranty repairs and use original parts?

Yes, all Roojai partner workshops, both those of our choice and dealer workshops, guarantee the use of genuine parts for all types and brands of insured cars.

We also offer a 6-month repair warranty for all car repairs, which begin after your car is returned to you. So, let's say your car has a problem after being repaired at a Roojai partner workshop, caused by negligence or errors during the repair process. If it happens within the warranty period, you just need to visit the same repair shop where your car was repaired, and they will fix the problem at no extra extra cost to you.

What is an insurance deductible or at your own risk?

The insurance Deductible or own risk is the amount you have to pay as a policyholder out of your pocket, before filing an insurance claim. In Indonesia, there is a standard deductible of IDR 300,000 per car accident, while in Roojai, the deductible for total losses is 5% of the claim cost with a minimum of IDR 500,000 per incident and IDR 300,000 per incident for partial losses.

Some insurance companies may allow you to reduce your insurance premiums if you decide to have a higher deductible, which in the long run helps you save more as well as eliminating the requirement to file insurance claims for minor events that would otherwise affect your good driving record.

What is a car repair plan?

Most insurance companies will have their own network of repair shops where you can repair your car. Roojai's auto repair workshop network includes more than 700+ workshops and continues to grow, about half of which are authorized dealer workshops. Today, we strive to build the most comprehensive workshop network on the island of Java, and ultimately throughout the country. For those who live on the island of Java, it will help you find the nearest workshop when you want to repair your car. When customizing your insurance plan, you will be able to determine if you want to choose a partner workshop or just a dealer workshop. Remember that your insurance premium will be calculated depending on your choice.

Currently, you will only get coverage for repairs made in workshops that are part of our network.

Does comprehensive coverage include third party liability insurance?

Yes, comprehensive insurance coverage generally protects you from financial loss if you cause damage to other people or their property (for example, if your car crashes into another car). At Roojai, we offer coverage values of IDR 0, 25, 50, 100 million depending on how you adjust your policy.

Does car insurance in Indonesia provide coverage for fires, floods, and natural disasters?

Fire damage is usually covered as part of primary comprehensive insurance coverage. Additional protection from risks such as floods, strong winds, earthquakes, or tsunamis, can be added as an optional benefit in Roojai comprehensive insurance coverage.

Does car insurance in Indonesia provide coverage for car theft or vandalism?

Yes, car theft and vandalism cases are covered. If someone steals your spare tire, for example, the loss will be covered by most comprehensive car insurance. But please note that this coverage only applies to damage or loss to your car only. If someone breaks your car glass and steals your laptop, the glass will be covered by comprehensive car insurance. For laptops, you will need different insurance products.

Does car insurance in Indonesia provide coverage for riots or social unrest?

This coverage is often included as an additional optional benefit. For cases where multiple offenders are involved such as riots, gang violence, and social unrest, your damages will be covered if you choose comprehensive car insurance by extension.

Lokasi:

Berbagi :