Buy the Best Electric Vehicle (EV) Insurance Online in Indonesia

Electric Vehicle (EV) Insurance in Indonesia

Discover TLO and All Risk Car Insurance from Oona Insurance, trusted for over 40 years. Buy and submit claims online, fast and easy. Get the best All Risk insurance tailored for electric vehicles (EV) like BYD, Wuling, Jaecoo, Geely, Denza, Aion, and more, including battery protection. Premiums start from IDR 400,000.

Purchasing electric vehicle (EV) insurance online

Step 1
Begin With a Quick Quote

Simply input your car information and personal details to generate your customized Oona Electric Vehicle (EV) Insurance quote online.

Step 2
Customize Your Protection

Select coverage options, add extra benefits, and adjust your plan to match your lifestyle and driving habits.

Step 3
Pay and Get Covered Fast

Pay online through our secure gateway and receive your official Oona Electric Vehicle (EV) Insurance policy by email instantly.

If an electric car battery needs to be completely replaced, is it covered?

Answer: Yes, complete battery replacement is covered if the necessity arises from an insured peril. This typically includes replacement required due to severe damage from a total loss event, a major collision, or fire/flood damage specifically covered by your policy. Replacement due to natural degradation or normal wear-and-tear is, however, excluded and must be handled via the manufacturer's warranty.

Does the insurance cover risks caused by technical faults or EV malfunctions?

Answer: Insurance typically does not cover risks resulting from technical faults or EV malfunctions, as these are classified as maintenance issues. Coverage is provided for damages caused by external events, such as accidents or natural disasters

How does the insurance address the risk of fire or explosion during charging?

Answer: According to the standard policy coverage issued by the General Insuance Association of Indonesia (AAUI) , fire incidents during charging are not included in the insurance coverage.

Do electric cars have theft protection?

Answer: Absolutely. Theft protection is a standard and crucial component of Oona's comprehensive EV policy, covering the theft of the vehicle itself. Furthermore, due to its high value, the main traction battery is also specifically protected against total loss resulting from a covered theft, providing complete peace of mind for the vehicle's most valuable component.

Are accidents involving autopilot or ADAS covered?

Answer: Yes. Your vehicle's insurance coverage applies to damages regardless of the cause of the accident, whether it was due to driver error or an incident occurring while utilizing Advanced Driver Assistance Systems (ADAS) or autopilot functions. Your Oona policy covers the resulting physical damage to the insured vehicle itself, allowing you to use technology confidently.

Is battery degradation covered by insurance?

Answer: No, standard EV insurance policies, including Oona's, do not cover battery degradation. Degradation is classified as a gradual loss of capacity over time due to normal use and aging. This is treated as a mechanical issue that falls under the manufacturer's specific vehicle or battery warranty, not an unexpected, sudden loss event covered by property insurance.

Do modifications to an electric car void the policy?

Answer: Modifications do not automatically void your policy, but they must be declared and approved by Oona prior to installation. Failure to declare any changes, especially performance-altering or significant cosmetic modifications can lead to claims being partially or fully rejected. Always contact us first to ensure your policy accurately reflects the insured value of your vehicle

Can I choose a specialized workshop for EVs?

Answer: Yes, we have workshops specialized in servicing EV cars. For example, Techno Garage operates in five major cities, including Jakarta, Medan, Palembang, Surabaya, and Pekanbaru, ensuring your EV receives expert care. You can visit our website at myoona.id to check the comprehensive list of our preferred garages

What is the claims procedure for EVs?

Answer: You can submit your EV insurance claims online at myoona.id or call our 24/7 claims call center at 021-28090111 for assistance.

Does Oona Insurance cover all EV car brands?

Answer: Yes, Oona Insurance provides both All Risk and Total Loss Only (TLO) coverage for all major EV brands, including BYD, Wuling, Hyundai, MG, and more.

Is the premium for EVs higher than for conventional cars?

Answer: EV cars follow the same OJK-defined rates as non-EV cars

Is EV insurance different from conventional car insurance?

Answer: Currently, there are no specific regulations from the Financial Services Authority (OJK) for electric vehicles (EVs). EVs are still subject to the same OJK regulations as conventional vehicles. The key difference lies in the protection for EV batteries, which can be covered in the event of an accident.

Does the insurance cover the EV battery?

Answer: Yes, EV insurance generally includes coverage for the EV battery in the event of accidents

Does the insurance cover home charging stations?

Answer: We provide coverage exclusively for accidental damages to the vehicle

What if an EV breaks down while being charged at a service station?

Answer: If your EV experiences a breakdown or a charging-related issue while at a public service station, your Oona policy provides immediate support. This scenario is typically handled under our comprehensive Roadside Assistance benefit. This ensures prompt towing to the nearest authorized EV workshop or suitable charging point, minimizing disruption and ensuring your journey and life remains uninterrupted.

Are spare parts for electric cars difficult to find and affect claims?

Answer: We understand the concern regarding specialized EV components. Oona works with an established network of authorized workshops specifically equipped and certified for EV repair. While some specific parts are imported, our network is designed to efficiently source only genuine parts. Our focus is on minimizing turnaround time and ensuring a quick, high-quality, and reliable claim resolution for your high-tech vehicle.

What about the cost of EV battery replacement?

Answer: The cost of EV battery replacement is typically covered under EV insurance if the damage is due to an insured event, such as an accident or fire. However, wear and tear or end-of-life replacement is usually not covered

Electric Vehicle (EV) Insurance

Electric Vehicle (EV) Insurance in Indonesia

I'm a safe driver - why do I need car insurance?

The road's full of surprises!

Electric Vehicle (EV) repair costs are relatively expensive

High theft rates

Discover car insurance options tailored to your unique needs, including all risk coverage for electric vehicles (EVs)

Here's your pitstop for a free car insurance quote

Enhance Your Electric Vehicle's Safety with Comprehensive Additional Coverage

Authorized Dealer

Third Party Liability Cover (TPL)

Personal Accidents for drivers

Why is Oona Electric Vehicle (EV) Insurance the Right Choice?

Unmatched Claims Support You Can Always Trust

Dedicated 24/7 Roadside Help Anytime, Anywhere

Nationwide Protection That’s Always Within Reach

Comprehensive Coverage for Every Type of Driver

Quick Policy Issuance for Instant Road Protection

Full Protection Beyond Traffic Accident Coverage

Purchasing electric vehicle (EV) insurance online

Step 1Begin With a Quick Quote

Step 2Customize Your Protection

Step 3Pay and Get Covered Fast

Edwin (Jakarta)

Jiang - PT Matsugi Indonesia (Surabaya)

Henry

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