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Discover TLO & All Risk Car Insurance from Oona Insurance, trusted for over 40 years. Easy online purchase and claim submission. Get the best comprehensive protection tailored to your needs, including for electric vehicles (EVs). Premiums start from IDR 400,000.
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In 2023, there were 133,796 recorded traffic accidents, resulting in 24,437 deaths, with an average of 66 fatalities each day.*
The average cost incurred due to accidents is around IDR 9 million, while flood damages can amount up to IDR 50 million.
According to data from Badan Statistik Nasional, there were 14,184 vehicle theft cases in 2022.*
Additional coverage for Oona’s authorized dealer workshops in the event of claim.
Covering from third party claims for injuries, damage to vehicles or property suffered.
Coverage for medical expenses up to IDR 25 million.
Ready your expiring policy and valid ID -- let's get you cruising with a quick, easy car insurance quote!
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82% of claims are resolved in less than 24 hours.
With over 600 partner workshops across Indonesia, including 120 workshops in Greater Jakarta.
Protection against the loss of personal belongings in your vehicle, up to IDR 5,000,000.
Explore our FAQ page to find all the information you need.
The premium rates applied are in accordance with those set by the Financial Services Authority (OJK) in Attachment VI of OJK Circular Letter Number 6 /SEOJK.05/2017 regarding the Determination of Premium or Contribution Rates in Property and Motor Vehicle Insurance.
The obligation to have car insurance depends on the regulations in each country.
In many countries, car insurance is a legal requirement to protect car owners, passengers and third parties from financial risks due to accidents or damage.
In Indonesia, although there is no regulation that mandates car insurance, purchasing car insurance for your vehicle can provide financial protection and security for car owners, which is very important in facing unexpected situations.
So, interested in buying car insurance online? Find the best options and promotions here!
The cost of car insurance in Indonesia varies greatly, depending on several key factors.
First, there are two types of car insurance based on their basic coverage: Comprehensive and Total Loss Only (TLO).
Comprehensive covers minor damages such as scratches and dents, while TLO is only for serious damage (≥75%) or theft that results in the loss of the car.
Extended insurance coverage can also affect the cost of your car insurance.
Additional protection in the form of coverage for natural disasters, medical expenses or third-party claims can usually increase the price of your motor vehicle insurance.
The price of the car is another factor influencing the cost of car insurance. The Financial Services Authority (OJK) divides car insurance rates into five distinct categories, each determined by the price of the car.
Geographic location also plays a role, with the OJK differentiating rates based on regions: Sumatra and its surroundings, DKI Jakarta, West Java, Banten and other regions in Indonesia.
Lastly, the age of the car also affects the cost of car insurance. Starting from the sixth year of the car's age, the insurance cost will increase. And at a certain age, insurance company may only offer TLO coverage for the car.
Considering all these factors, car insurance cost can vary greatly.
It is important to understand your specific needs and choose the main coverage and insurance extensions that suit you, as this will determine whether the total cost you have to pay is cheap or expensive.
Want to know how much insurance costs for your car? Check your car insurance price here!
Car insurance is essential to protect yourself from unexpected expenses due to accidents, damage, theft, or natural disasters such as floods, fires, and storms.
This insurance product can help cover the costs of repairs and medical care, thereby reducing your financial burden.
In addition, some car insurance companies also provide protection against third-party claims and offer extra benefits such as towing services and a replacement car.
By having the right car insurance, you can have more peace of mind and be protected from financial risks, so it is highly recommended to choose|the best car insurance policy that suits your needs.
The car insurance claims process can generally be outlined as follows, but it's important to note that specific steps may vary between insurers:
1. Claim Notification: Immediately inform your insurance company after an accident occurs through the provided phone number or online form within the time period required by your insurance company.
2. Information Gathering: Prepare details of the incident, information of the involved parties and your insurance policy data to be given to the insurance company.
3. Police Report: If the accident is serious, submit the police report that has been made to the insurance company.
4. Damage Assessment: Follow the damage assessment procedure established by the insurance company, which can be done through an assessor or at a partner workshop.
5. Additional Documents: Complete and submit any additional documents requested by the insurance company.
6. Claim Approval: Wait for the evaluation and approval of the claim from the insurance company. Once approved, payment will be processed.
7. Claim Payment: Claim payments will be made according to the method determined by the insurance company.
8. Vehicle Recovery: Pick up your car after the repairs and claim payment are completed.
Make sure that, before submitting a car insurance claim, you are already familiar with the claims process and requirements of your car insurance product and promptly report the claim with accurate information for a quick process.
Oona Insurance offers additional coverage options, such as Repairs at Authorized Workshops, Third-Party Liability, and Personal Accident insurance for the driver and passengers.
In a motor vehicle insurance policy, the driver's name is not mentioned in the policy, and there is no restriction on who can drive your car. However, it is important to note that the driver must hold a valid driver's license (SIM) appropriate for the type of vehicle (A, B, C).
All Risk Car Insurance covers minor/partial damage (such as dents and scratches) and total damage to your vehicle, including risks from accidents, theft, and natural disasters. On the other hand, TLO (Total Loss Only) insurance only covers significant damage where repair costs exceed 75% of the car's value or in cases of total loss, such as theft.
Customers will receive a notification 45 days before their car insurance policy expires via email and WhatsApp. Customers can also contact Oona Insurance's customer service number at +62858-73950-250 (available 9 AM to 7 PM, Monday to Friday).
Cancelling your car insurance must adhere to the specific terms of your policy and the rules set by your insurance company. Be aware of these key points, but always review your policy's terms first for precise guidance.
Cancellation Fee: The insurance company may charge a fee and/ or deduct the premiums that have already been paid and return a prorated amount of the premium to you.
Cancellation Rules / Process: Read the policy terms to understand the procedures and requirements for cancellation.
Premium Refund: You may be entitled to a refund of the premium for the unused period after cancellation.
Before canceling, discuss with your insurance company to understand the consequences and options available.
Yes, Oona Insurance offers Electric Car Insurance, providing comprehensive coverage for all electric car vehicles.
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