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Choosing your first motorcycle insurance can be confusing, especially with the many choices in the market. Don't worry! This article discusses practical guidelines for beginners, ranging from the types of insurance available, how to choose based on needs, to tips on choosing trusted providers such as Oona Insurance. Before comparing prices or choosing a provider, it is important for you as a beginner to understand the types of motorcycle insurance available in Indonesia.
Buying motorcycle insurance for the first time can be confusing, especially if you do not understand the general terms in the world of insurance. However, this protection is very important - good to maintain your assets from damage or loss, as well as to provide peace when driving every day.
For beginners, there are several important aspects that need to be considered before choosing the appropriate motorcycle insurance product. This article will help you understand the basics and make the right decisions financially and practically.
Before buying, you must know the two main types of vehicle insurance in Indonesia:
This type of insurance only bear the total loss, namely when the motor:
Suffered damage ≥75% of the market value
Lost because of theft
TLO insurance is suitable for motorcycles used daily, old motorcycles, or owners with a limited premium budget.
Bear all types of damage, from mild blisters to total loss. Higher premiums, but wider scope.
Suitable for new motorcycles, luxury vehicles, or owners who want maximum protection against all risks.
After understanding the difference between TLO and All Risk, the next step is to compare the premium so that you can determine the protection that matches the budget.
Understanding how premium works is an important step for beginners. Motorcycle insurance premiums are usually calculated based on:
Policy type (TLO or All Risk)
Vehicle market value
Vehicle age
Area of use
Example:
Motorcycle value |
TLO |
All Risk |
|---|---|---|
IDR 15,000,000 |
IDR 187,500/year |
IDR 450,000/year |
IDR 20,000,000 |
IDR 250,000/year |
IDR 600,000/year |
Tips: Don't immediately choose the cheapest premium. Make sure you still get protection that suits your needs.
However, the price is not the only factor to consider. The reputation and legality of insurance companies is also very crucial to ensure you get safe and reliable protection.
As a beginner, you are strongly advised to choose an insurance company that has been registered and supervised by the OJK (Financial Services Authority). This is important to guarantee:
Fund security
Fair claim process
Consumer legal protection
Check online reviews, user forums, and customer service ratings to see the credibility of the insurance provider that you consider. In addition to credibility, you also need to consider the ease of service. In the digital era like now, the process of purchasing and efficient insurance claims is an important added value.
As a digital generation, beginners certainly want an efficient process. Select the company that:
Provides online premium simulations
Can buy a policy via a website or application
Has a fast and transparent digital claim process
This will really help you in an emergency, without having to come to the physical office. Not all types of insurance are suitable for everyone. The best choice is the most suitable for your lifestyle and the way you use motorcycles everyday.
If you use a motorcycle every day for work or routine transportation, TLO insurance may be enough. But if you just buy expensive motor sports or collection vehicles, all risk can be a more reasonable choice.
For beginners, it is recommended to start with TLO because it is more efficient and is enough to protect from the biggest risks such as total loss.
Now, after understanding the important factors that need to be considered, the question is: Of the many insurance providers, which one is worthy of being chosen by beginners? The answer is in the next segment.
If this is the first time you consider buying motorcycle insurance, Oona Insurance is a very appropriate choice. Why?
Advantage |
Benefit for Beginners |
|---|---|
100% Digital |
Buy, pay, and file claims directly from your phone — no hassle. |
Online Premium Simulation |
Check and compare prices easily before making a purchase. |
Registered & Regulated by OJK |
Safe, transparent, and trustworthy—officially supervised by Indonesia’s Financial Services Authority. |
Easy & Fast Claims |
No need to visit in person—just upload documents online. |
Responsive Customer Service |
Always ready to assist with questions about products or the claims process. |
With features and processes that are completely digital, Oona is an ideal solution for beginners who need motor protection without a complicated process.
Check the current motorcycle insurance price and find the protection that suits your needs.
With a variety of service advantages and ease of process, Oona Insurance is present as a complete solution for those of you who are buying motorcycle insurance for the first time. Let's conclude the important points that have been discussed.
Choosing motor insurance does not have to be complicated, even for those of you who are buying the first time. The key is to understand the types of motorcycle insurance available, assess your needs, and choose trusted providers like Oona.
As a beginner, start with TLO insurance for basic protection against large risks such as total loss. Over time and needs, you can consider All Risk.
With a digital process, affordable premiums, and responsive customer service, Oona insurance is the right partner for your first step in protecting motorcycles and personal finances.
