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Owning a car means you should be prepared for risks, from minor collisions and parking lot scratches to major risks such as vehicle loss. Without coverage, you'll be responsible for all these costs yourself. Car insurance isn't just about protection, but also a form of responsibility to safeguard your finances. And the good news is, there are now many good and affordable car insurance options, and you can even buy them online.
Did you know, throughout 2024, there were 11,442 traffic accidents recorded in the Jakarta area and its surroundings, with 619 people dying? Meanwhile, in the jurisdiction of Polda Metro Jaya, the number of accidents even reached 12,555 cases, with 677 fatalities recorded throughout the same year.
These figures demonstrate that the risks of road driving are very real. Therefore, protecting your vehicle, both financially and in terms of safety, cannot be taken lightly.
Before choosing a car insurance product, it's important to understand the types of car insurance commonly available in Indonesia. The policy you choose will significantly determine:
The amount of premium you have to pay
The level of protection you receive from risks such as accidents, theft, or natural disasters.
All Risk insurance, often called comprehensive, provides the most extensive protection compared to other types of car insurance. This policy covers minor and major damage, including body scratches, scrapes, major collisions, and rollovers. It's suitable for those who frequently drive in busy traffic areas, public parking lots, or are still driving a new car with a high value.
Here is a summary of the benefits and estimated costs:
Component |
Information |
|---|---|
Type of Protection |
All types of damage (minor & major) |
Suitable for |
New car (<5 years), daily use in big cities |
Examples of Covered Incidents |
Hit by a motorbike, hit in a parking lot, scratched by a pole/fence |
Estimated Annual Premium |
± 2.5% of the car value |
Optional Expansion |
Floods, third-party liability (TPL), riots, personal accidents |
Advantages |
Comprehensive protection, perfect for peace of mind |
Disadvantages |
Premiums are higher than TLO |
Disclaimer: Premium estimates are general simulations and may vary depending on driver profile, location, vehicle model, and individual insurance company policies. Be sure to read the policy details before purchasing. Some damages may be subject to own-risk coverage, typically around IDR 300,000 – IDR 500,000 per claim.
If you're looking for basic coverage with lower premiums, the next option might be right for you.
Let's get to know TLO (Total Loss Only) insurance below!
TLO insurance will only cover losses if the car is severely damaged (≥75% of its value) or lost due to theft. This is the right choice for those who own a car that's more than 5 years old or only use it occasionally (weekend car). With premiums that are much lower than All Risk, TLO provides basic protection against the biggest risks of car ownership.
Here is a summary of the coverage and estimated costs:
Component |
Information |
|---|---|
Type of Protection |
Total loss or damage ≥75% |
Suitable for |
Old car (>5 years), car rarely used |
Examples of Covered Incidents |
Car stolen or declared a total loss due to a major collision |
Estimated Annual Premium |
± 0.8% of the car value |
Optional Expansion |
Floods, landslides, riots, personal accidents |
Advantages |
More affordable premiums, suitable for older vehicles |
Disadvantages |
Does not cover minor damage such as scratches, broken mirrors, etc. |
Disclaimer: The premiums and benefits mentioned are general estimates and may vary depending on the insurance company's policy, vehicle age, region, and driver profile. For more comprehensive coverage, you can consider expanding your TLO coverage with flood coverage or TPL.
In addition to All Risk and TLO coverage, you can also add additional features to protect your car from various unforeseen circumstances. This is called Extended Protection.
These are additional features you can add to your main policy:
Expansion Type |
What is Covered |
Who Should Add? |
|---|---|---|
Floods & Natural Disasters |
Damage due to floods, landslides, earthquakes or volcanic eruptions |
Users in vulnerable areas such as Jakarta, Bekasi, Semarang |
Third Party Liability (TPL) |
Compensation costs if you hit someone else's vehicle or property |
Daily drivers, especially in big cities |
Riots & Civil Unrest |
Damage caused by mass action, demonstrations or riots |
Users in areas with potential for social disruption |
Personal Accident (PA) |
Medical expenses & compensation if the driver/passenger is injured |
All car users (both families and solo drivers) |
Disclaimer: The above information is general and may vary depending on the insurance company, policy type, and coverage area. Be sure to read the policy details before selecting any additional coverage.
Tips: If you live in a flood-prone area like Jakarta, Bekasi, or Semarang, it's best to get flood insurance for maximum protection. Don't underestimate flood insurance; repair costs for a submerged car can reach IDR 15–40 million or even more.
With so many car insurance options on the market, it's important to know what to consider before purchasing. Here are some tips to help you make the right choice.
There are many insurance options out there, but which ones are truly good and meet your needs? Here are some important tips:
Make sure the insurance company:
Don't just choose the cheapest one. See also:
Use insurance that has:
Online claim process
Maximum claim settlement time is 1–3 working days
24/7 support for emergencies
Good car insurance isn't just about affordable premiums, but also about support services that make your experience more enjoyable. Check to see if the insurance company offers:
Towing service
Replacement car during repairs
24-hour emergency roadside assistance
Policy or claim consultation via chat/telephone
Additional services like this are very helpful, especially if you frequently travel long distances or live in a big city that is prone to traffic jams and minor incidents.
If you're looking for a reliable and affordable car protection solution, Oona could be your top choice. Here's why!
If you're looking for good, reliable, and budget-friendly car insurance, Oona could be a top choice. Not only because of its competitive premiums, but also because of its easy service and clear benefits.
At Oona, you can choose the most suitable type of coverage, whether it's All Risk for new cars or TLO for older vehicles. Furthermore, you can also add additional coverage such as flood, TPL, and personal accident coverage for drivers and passengers.
Feature |
Information |
|---|---|
Claim 100% Online |
Can be done via cellphone or laptop, without having to come to the office |
Flexible Premium |
Starting from IDR 400 thousand/year |
All Risk & TLO Protection |
Complete protection options according to your needs |
Flood & TPL Expansion |
Additional protection from environmental & legal risks |
Extensive Workshop Network |
Official and general workshop partners throughout Indonesia |
24/7 support |
Claims & emergency assistance whenever needed |
You can purchase car insurance from Oona online in just 3 easy steps. See the full instructions below.
Buying car insurance at Oona is 100% online, hassle-free, and no waiting in line! Just follow these three steps:
Enter your car information and personal details on the official Oona website. Our system will instantly provide a premium estimate tailored to your vehicle.
Choose the type of protection (All Risk or TLO), add extra benefits such as flood, TPL, or personal accident, then adjust it to your lifestyle and needs.
Pay your premiums securely and conveniently digitally. Afterward, your official car insurance policy will be sent directly to your email. Easy, right?
Choosing car insurance certainly requires careful consideration. But with the right information, you can make a smart and efficient decision. Here's our takeaway.
Choosing good, affordable car insurance doesn't have to be complicated. The key is understanding your car's needs and driving style, then matching them with the available coverage. For daily driving with high risks (traffic jams, tight parking spaces, flooding), comprehensive insurance with extended coverage is highly recommended.
Meanwhile, if your car is rarely used or is quite old, TLO insurance can be a cost-effective option that still protects against major losses. And most importantly, don't just look at the premium price. Make sure you choose an insurance company with easy, fast, and online claims services like Oona. Check premium simulations and purchase directly online. Apply for car insurance from Oona today. Hassle-free process, maximum protection.
