Why Is It Important To Understand The Motor Insurance Claim Process?
Accidents or damage to motorcycles can occur at any time, and having motorcycle insurance provides important financial protection. However, many insurance owners do not know how to submit claims correctly, which can cause claims to be rejected or processed longer.
According to data from the Indonesian General Insurance Association (AAUI), in 2024, the total claims paid by the general insurance industry reached IDR 49.9 trillion, an increase of 8.5% compared to the previous year. Of this amount, motor vehicle insurance claims contributed around IDR 7.81 trillion, showing an increase of 11% from the previous year.
These statistics clarify that vehicle insurance claims, including motorcycles, are common. However, many policyholders do not understand well the procedures that must be followed. Therefore, it is important to equip yourself with the right knowledge.
Before discussing technically how to submit a claim, let's look in advance when the claim should be made and in what situation you have the right to submit it.
When To Submit A Motorcycle Insurance Claim?
Not all incidents are feasible to be submitted as claims. Knowing when the claim can be made is the first step to utilize the policy effectively. Here are the general situations that you can claim:
The motor is damaged by an accident
Vehicle missing due to theft
Damaged by natural disasters (if listed in the policy)
Damage due to vandalism or criminal acts
Collisions involving third parties (and you have a guarantee expansion)
If you experience one of the situations above, immediately do reporting. Delay will only increase the risk of claims rejected.
After understanding the situation that can be claimed, now is the time to enter the main section: Step by step the claim process that you must follow so that your request is processed quickly and without obstacles.
Steps To Submit A Motor Insurance Claim
The claim process can be complicated if you have never done it before. But with the right guidance, you can submit a claim systematically and efficiently. The following steps:
1. Immediately Report The Incident
The first and most crucial step is to report to the insurance as soon as possible. Ideally, reports are made in a maximum time of 3 x 24 hours from the incident. This will speed up the administrative process and claim assessment.
Providers such as Oona provide digital channels for reporting - both through applications or online portals. You just need to prepare:
After the initial reporting is carried out, the next step is to secure visual evidence that will strengthen your claim.
2. Document Evidence Of Damage
Documentation is the key to your claim validation. Without visual evidence, insurance companies cannot verify the level of damage or causes of events objectively.
Take photos from:
Damage to the motor from various angles
Vehicle number plate
Situation of the location of the incident (if still possible)
Damage to other properties or third parties involved
After visual evidence is prepared, you need to complete administrative documents as a legal claim.
3. Complete The Claim Document
Documents are formal conditions that will be assessed in the claim approval process. The completeness and accuracy of the data greatly affects the speed of handling.
Document Type
|
Purpose
|
|---|
Copy of insurance policy
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Proof of membership and active coverage
|
Photocopy of vehicle registration (STNK) and driver's license (SIM)
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Legal proof of ownership and eligibility to drive
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Written incident chronology
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Your objective account of the event
|
Police report
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Required for major accidents or theft
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Photo evidence of damage
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Visual proof from the scene
|
Third-party demand letter (if any)
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Required for liability claims (Third Party Liability)
|
Provide physical copies and digital versions to facilitate the verification process by the insurance team.
After the document is ready, you will be directed to the partner workshop for further inspection and estimation of repair costs.
4. Visit Partner Workshops
The partner workshop is the final evaluation point before the claim decision is given. There, your motorcycle will be checked by surveyor staff from insurance, and an estimated cost and time for repairs.
Make sure you bring all the required documents. Some locations cannot process claims if the document is incomplete or not brought physically.
The next step is to wait for the final assessment process from the insurance to determine whether your claim is approved or not.
5. Wait For The Verification Process And Decision
After all the previous stages are passed, you only need to wait for the verification process and the final decision of the insurance. Processing time generally ranges from 3 to 14 working days depending on the complexity of the case.
If approved:
If rejected:
After the claim process you enter the verification stage, your role as a policyholder is actually not finished. There are several additional strategic steps that you can do to accelerate the agreement of claims and ensure everything runs smoothly.
Additional Tips To Speed Up The Claim Process
So that your claim is not only approved but also processed quickly, pay attention to the following:
Submit a claim immediately after the incident
Save evidence and documents neatly (physical and digital)
Use partner workshops for handling efficiency
Make sure your policy is still active and according to benefits
By following these steps in an orderly manner, you will avoid common mistakes that often make claims delayed or even rejected.
In the next section, we will summarize the core of the entire process, as well as answer the questions most often asked by the owner of the motorcycle insurance policy.
Conclusion
Submitting a motor insurance claim does not have to be complicated, as long as you understand the procedure and prepare all the documents needed well. The process starts from fast reporting, damage documentation, to submitting to the workshop and waiting for the verification results. By following the correct steps, you can make sure the claims are processed on time and not rejected for administrative reasons.
It is also important not to delay reporting and always store documents in digital and physical form. If you use insurance from a trusted provider and follow all the conditions, the protection of the risk will feel real and effective.
For those of you who do not have protection of their two-wheeled vehicles, it's time to consider the Oona - affordable motorcycle insurance, Digital, and ready to help you at any time.
