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Car insurance isn’t just about compensation after an accident. With Oona Car Insurance, you get more than basic protection including 24-hour emergency assistance and coverage for often-overlooked risks such as floods, storms, hurricanes, riots, terrorist attacks, and even sabotage.
According to the National Agency for Disaster Management (BNPB), Indonesia experiences an average of 1,500 flood events every year. Meanwhile, data from the Indonesian National Police Traffic Corps reported over 100,000 traffic incidents in 2024 alone. These numbers highlight the importance of having comprehensive car insurance that protects you against various unexpected events.
If you’ve read our previous article on the difference between All Risk and TLO coverage and how to file a car insurance claim, this time we’ll explore the additional benefits that make your journeys safer and more comfortable even when facing unpredictable situations on the road.
Each of these additional benefits plays a crucial role in protecting you from risks that many drivers often overlook.
Nobody wants their car to break down in the middle of the road, especially at night or far from a repair shop. This is where Oona's 24-Hour Emergency Assistance Service comes in.
This feature includes various assistance such as:
Service |
Main Benefits |
Real Situation Examples |
|---|---|---|
Towing to the nearest repair shop |
Safely and quickly send your car to an Oona partner workshop. |
Your car breaks down on the Cipularang Toll Road at night due to engine failure. Oona dispatches an official tow truck to the nearest repair shop. |
Flat tire replacement |
Replace a flat tire with your spare tire so you can continue your journey. |
You experience a flat tire on the way to Soekarno-Hatta Airport. A technician arrives and replaces the tire within 30 minutes. |
Emergency fuel delivery |
Deliver fuel directly to your location when the tank runs dry during a trip. |
You run out of petrol on the Jakarta–Cikampek Toll Road during the homecoming rush. A technician brings enough fuel to reach the nearest gas station. |
Assistance for locked car doors |
Open a locked car door safely without damaging the lock or body. |
Your keys are left inside the car while parking at a shopping mall. A technician arrives and unlocks the door quickly. |
Disclaimer: The examples above are illustrative and for informational purposes only. Service coverage, territory, and additional charges (if any) are subject to Oona’s applicable policy terms and conditions.
When your car experiences a breakdown or technical issue, time and location are critical factors. Being stranded on a highway without official assistance can be dangerous and may result in high costs for private towing. With Oona’s emergency assistance, you benefit from:
Quick response: The service operates 24 hours a day, ensuring help arrives without long waiting times in risky locations.
Controlled costs: You avoid inflated rates from unofficial towing services.
Peace of mind: Assistance comes from verified professionals, not untrusted third parties.
For drivers who often travel long distances, this service can truly be a lifesaver—especially in the middle of the night or in remote areas. Mechanical issues, flat tires, or fuel shortages can happen anytime, even with new cars. That is why Oona’s 24-hour assistance is an essential and valuable feature.
Save Oona’s Roadside Assistance hotline number on your mobile phone.
Check your coverage area to know where the service applies.
Understand which services are complimentary and which may incur additional charges.
Once your vehicle is safely moved from the incident site, repairs become the next priority. This is where Oona’s extensive network of partner repair shops adds even greater value.
Choosing the right repair shop after an accident can be challenging. To make the process easier, Oona partners with a network of authorized and quality-verified car repair shops across Indonesia. You can easily find the nearest workshop through the Oona Official Car Repair Shop page to ensure that repairs are handled at trusted facilities.
Faster and easier claims process
Genuine spare parts that meet factory standards
Experienced and certified mechanics
Repair Time Comparison Table:
Workshop Types |
Average Repair Time |
Spare Parts Availability |
|---|---|---|
Oona Partner Workshop |
3–7 working days |
Guaranteed |
Non-Partner Workshop |
7–14 business days |
Depends on stock availability |
Disclaimer: The data above is for illustrative purposes only. Actual repair times may vary depending on the extent of the damage, parts availability, workshop workload, and applicable policy terms.
However, damage doesn't always come from accidents or breakdowns. Nature can also be a source of significant losses, especially in tropical countries like Indonesia, which are prone to flooding.
Indonesia is highly vulnerable to hydrometeorological disasters such as floods, storms, and hurricanes. These events not only disrupt daily mobility but can also cause severe or even total damage to vehicles. With this additional coverage, you will not have to shoulder the full repair costs if your car is damaged by a natural disaster.
In 2024 alone, BNPB Indonesia recorded 1,420 flood incidents across the country, higher than other disasters such as forest fires and extreme weather.
In the last decade, between 2014–2023, a total 8,333 flood incidents were recorded, with the peak occurring in 2020 when 1,531 incidents were documented.
Here is an illustration of how such a disaster can damage a vehicle:
Type of Flood Impact |
Common Vehicle Damage |
|---|---|
Water seeps into the engine |
Electrical and engine system components are damaged |
Submerged up to half the vehicle body |
Damage to brakes, wiring, and interior systems |
Moist or flooded interior |
Unpleasant odors, damaged seats, and cabin materials |
Disclaimer: This table is for illustrative purposes only. The actual extent of damage may vary depending on the vehicle’s condition, flood depth and duration, and how quickly action is taken after the incident.
Flood damage is often made worse when drivers panic and take incorrect actions, such as trying to restart the engine while water is still seeping in. This can cause further harm to the engine and electrical components.
To learn the proper steps to take when your car is caught in a flood, read our guide to dealing with cars stuck in floods. The guide explains how to stay safe, minimize damage, and prepare insurance claim documents after an incident.
Park in elevated areas or locations with good drainage.
Check weather forecasts before taking long trips.
If floodwaters start to rise, turn off the engine immediately to reduce the risk of mechanical damage.
Beyond natural disasters, social unrest and security incidents can also threaten your vehicle’s safety. Fortunately, Oona’s comprehensive car insurance extends protection to these often-overlooked risks as well.
Social and security risks are a growing concern, particularly in large cities or regions that have experienced unrest. Oona Car Insurance provides protection for vehicle damage resulting from:
Mass riots
Explosions or terrorist acts
Acts of sabotage
Many standard car insurance policies do not include protection against riots, terrorism, or sabotage by default. These are typically offered as additional add-ons that you can include in your policy for extended coverage.
Adding this benefit to your Oona Car Insurance plan provides financial peace of mind in unpredictable situations that may lead to damage or loss beyond ordinary accidents. This means your vehicle remains protected not just from collisions or natural disasters, but also from social and security-related risks.
For a complete list of available coverages and optional add-ons, refer to the official Oona Car Insurance brochure.
Driving always involves risks, whether you are on a short errand or a long journey. These risks include not only damage to the vehicle but also potential injuries to the driver.
With Oona’s Personal Accident Benefit for Drivers, you can add coverage of up to IDR 25 million for medical expenses arising from accidents while driving. This benefit helps ease the financial burden of medical treatment and recovery in the event of an injury caused by a road accident.
Accidents can happen even when driving carefully.
Emergency treatment, hospitalization, and rehabilitation costs can be significant.
Compensation of up to IDR 25 million can help pay for medical costs not fully covered by general health insurance.
Type of Protection |
Maximum Compensation |
Example Scenario |
|---|---|---|
Driver’s personal accident medical expenses |
IDR 25,000,000 |
The driver was injured in a multi-vehicle collision on a toll road and required hospitalization and physiotherapy. |
Disclaimer: This table is for illustrative purposes only. The actual compensation amount, coverage type, and claim procedure are subject to the applicable Oona Car Insurance policy terms and conditions.
Ensure the driver listed in the policy is the person who regularly operates the vehicle.
Keep all medical documents, receipts, and supporting records after the incident.
Submit your claim promptly to speed up the compensation process.
To understand how much impact this additional protection can make, you can compare the potential costs of an accident with and without Oona’s Personal Accident coverage. For more details about this optional benefit and other available add-ons, refer to the official Oona Car Insurance brochure.
One of the best ways to understand the value of additional benefits is to compare the potential cost of losses you would face without insurance versus being covered by Oona Car Insurance.
The difference can be substantial, especially for sudden and hard-to-predict incidents such as floods or breakdowns on toll roads. The table below provides an illustrative simulation of several common scenarios frequently experienced by drivers in Indonesia.
Incident Type |
Estimated Loss Without Insurance |
Cost With |
|---|---|---|
Car breakdown on toll road + tow truck |
IDR 1,000,000 |
IDR 0 (covered) |
Flood-related repairs |
IDR 15,000,000 |
IDR 0 (covered) |
Damage caused by riots |
IDR 10,000,000 |
IDR 0 (covered) |
Disclaimer: This table is a simulation for illustration purposes only. Actual costs may vary depending on vehicle type, damage severity, region, and policy terms.
To ensure these additional benefits truly deliver maximum value, below are several practical steps you can take
Additional benefits will truly benefit you if you know how to use them properly. Many policyholders have valuable features like 24-hour emergency assistance, but they don't take advantage of them because they don't understand how to claim or the service's limitations.
Here's a guide to maximizing your additional benefits:
Tips |
Explanation |
Positive impact |
|---|---|---|
Read the policy thoroughly |
Understand what is covered, area limits, and service exclusions. |
Avoid misunderstandings and rejected claims. |
Use emergency services immediately when an incident occurs. |
Please contact the Oona hotline immediately for a quick response. |
Reduces the risk of additional damage and speeds up handling. |
Document the loss with photos and a policy report if necessary. |
Take photos of the condition of the vehicle, lost/damaged items, and keep official documents to support the claim. |
Strengthen claim evidence and speed up approval. |
Make a claim as soon as possible |
File a claim immediately after the incident, don't delay, to ensure the process runs smoothly. |
Avoid delays and ensure active protection. |
Disclaimer: This table is for illustrative purposes only. Actual procedures and coverage will follow the terms of the Oona Car Insurance policy and the policies in effect at the time the claim is filed.
By understanding how to effectively utilize each additional benefit, you not only protect your vehicle from risk but also ensure that every penny of your premium provides maximum protection. All of this leads to peace of mind on every trip, which we'll summarize in the next section.
Having car insurance isn't just about protecting your vehicle from accidental damage. With the added benefit of Oona Car Insurance, you get extra peace of mind on every trip. These features not only help save money in the event of an incident, but also provide a sense of security knowing that help is ready to arrive whenever needed.
By understanding each additional benefit and making optimal use of it, you can maximize the value of the premiums you pay, while maintaining the smooth running of your daily activities without major disruptions due to unexpected risks.
