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Electric Vehicle (EV) Insurance

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, Hyundai, MG, and more, including battery protection. Premiums start from IDR 400,000.

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30% Discount

CINTA30

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

With Oona, you can have the peace of mind that comes with knowing your vehicle is protected against the unexpected.

The road's full of surprises!

In 2023, there were over 152,000 traffic accidents reported a figure that rose nearly eightfold in 2024 - making road safety a serious concern for all drivers.*

Electric Vehicle (EV) repair costs are relatively expensive

The average repair cost incurred due to accidents is around IDR 15 million, while floods can pose significant risk to the battery.

High theft rates

According to data from Badan Statistik Nasional, there were 14,184 vehicle theft cases in 2022.*

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

Compare all benefits

Terms and Conditions apply. Refer to policy wordings for detailed information.

Here's your pitstop for a free car insurance quote

Ready your expiring policy and valid ID -- let's get you cruising with a quick, easy car insurance quote!

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Enhance Your Electric Vehicle's Safety with Comprehensive Additional Coverage

Authorized Dealer

Additional coverage for Oona’s authorized dealer workshops in the event of claim.

Third Party Liability Cover (TPL)

Covers third-party claims for injury, vehicle, or property damage.

Personal Accidents for drivers

Coverage for medical expenses up to IDR 25 million.

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

Unmatched Claims Support You Can Always Trust

Our claims process and team are available 24/7 through multiple channels, enable you to easily get in touch with us and stay informed whenever you need to. Our fully supportive process ensuring a smooth experience from start to finish.

Dedicated 24/7 Roadside Help Anytime, Anywhere

From flat tires to breakdowns, Oona Electric Vehicle (EV) Insurance provides 24/7 roadside assistance nationwide. Get quick, reliable help anytime, anywhere, so you never miss a beat or face unexpected delays on your journey.

Nationwide Protection That’s Always Within Reach

With one of the largest networks of more than 600 partner auto repair shops and dealerships nationwide, Oona Car Insurance ensures you’re never far from top-quality service. We keep your vehicle protected and cared for wherever you travel in the country.

Comprehensive Coverage for Every Type of Driver

Oona offers a range of car insurance options, from TLO to All Risk, including coverage for electric vehicles. With various packages to choose from, to fit your vehicle’s needs and your driving style. Whether you're an experienced driver or just hitting the road, we've got you covered.

Quick Policy Issuance for Instant Road Protection

Apply online and receive your Oona Electric Vehicle (EV) Insurance policy in minutes. Enjoy instant coverage that protects your vehicle, finances, and peace of mind from day one, so you can hit the road with confidence knowing you’re fully safeguarded.

Full Protection Beyond Traffic Accident Coverage

Oona Electric Vehicle (EV) Insurance safeguards your car from theft, fire, vandalism, and natural disasters. It provides protection from major risks that can cause costly losses, ensuring that you and your vehicle are safe in every possible situation.

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.

Hear it straight from our satisfied customers

"The claims service is very fast. At the time of claim submission, the Work Order (Surat Perintah Kerja) is issued within 1 hour."

Edwin (Jakarta)

"Thank you as the claim process has been smooth and handled professionally."

Jiang - PT Matsugi Indonesia (Surabaya)

"I’ve proven it myself, OONA insurance is fast and hassle-free, claims are immediately approved"

Henry

View All

Got a question about Electric Vehicle (EV) Insurance in Indonesia?

Explore our FAQ page to find all the information you need.

View All FAQs

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.
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Does the insurance cover the EV battery?

Answer: Yes, EV insurance generally includes coverage for the EV battery in the event of accidents
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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.
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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.
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Is the premium for EVs higher than for conventional cars?

Answer: EV cars follow the same OJK-defined rates as non-EV cars
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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
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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.
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Are electric car chargers covered by insurance?

Answer: Yes, Oona's Electric Vehicle (EV) insurance is designed to provide comprehensive coverage. This includes the dedicated charger installed at your registered home address, as well as the portable charging cable and equipment used to power your EV. These are typically covered as accessories or under a specific EV endorsement to ensure your charging ecosystem is protected.
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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
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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.
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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.
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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.
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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
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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
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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.
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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.
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Does the insurance cover home charging stations?

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