Car insurance
You can manage risk mitigation for your car from the start through insureka! Products. The car insurance protection formula has been adjusted to your individual needs. The claim process is also #ClaimVery Smoothly.
99.5%
Customer Satisfaction Ratings*
25%
Average Annual Savings*
490+
Extensive and trusted Garage network
Everything You Need to Know About Car Insurance
Risk mitigation through car insurance is the best treatment to provide comfortable driving on the road. Preventive forms reduce potential financing losses caused by risk factors. The protection formula is tailored to your needs. The #Claim Process is Very Smooth.
Get Insurance at the Best Price
Affordable premium prices are the guarantee provided by insureka!. Referring to the Financial Services Authority (OJK) Circular Letter Number 6/SEOJK.05/2017, insureka! apply lower limit on Premium Percentage . With applicable terms and conditions, the premium financing savings that you can enjoy can reach 25% a year.
4 Facts about insureka!, the Best and Most Trusted Car Insurance 2024
- Building public trust through quality and affordable products, the best modern digital-based systems, and excellent service.
- Inspire through understanding comprehensive product information.
- Respond to emerging risk issues accurately, quickly and completely.
- Provide various positive values to all its customers.
Facts and Reasons Customers Prefer insureka! Car Insurance
Named the Best Car Insurance
Various appreciations were given by the public for insureka! great profile. These awards include Most Trusted Brand 2023 and Most Trusted Product 2023. The superiority of the digital system was awarded the Golden Digital Company Winner 2022. In the same year, insureka! also received the Best Choice in Quality Digital Company Award.
You can apply for insurance online
insureka! runs all its systems in digital format. The process of registering a new policy, extending it, and making a claim is done independently online. The medium uses a smartphone or other gadget. You just have to access the insureka! website or application. The application can be downloaded via the App Store or Playstore.
More Affordable Premiums
Green or affordable premiums are offered to you. Referring to the OJK legal umbrella, you can enjoy a 25% discount.
5 Star Service
5 star service rating presented by insureka!. There are various interesting benefits that customers can enjoy. The product implementation targets new and second hand cars. The units protection age reaches 15 years. In addition to a premium efficiency of 25%.
Other interesting benefits it offers are:
24x7 Emergency Road Assistance (ERA) assistance
24x7 Emergency Road Assistance (ERA) assistance for emergency situations faced by customers.
Car Replacement Service
Replacement Car Service Facility with a maximum duration of 5 Days (5x24 Hours) according to the Applicable Terms and Conditions.
Policy for daily benefits
Allowance policy of IDR 100 thousand per day when the car is repaired at the workshop for more than 5 days. The damage is a maximum of 3 panels. This option is provided if you do not choose the Replacement Car facility.
24/7 Customer Support
Access insureka! Customer Service! 24/7.
Now It's Easier to Get Car Insurance
Why Should You Buy Car Insurance from insureka! At the moment?
Completely Digital
insureka! system run 100% on a digital basis. Every process undertaken becomes more transparent and accountable. Has high effectiveness and efficiency.
Total Protection
insureka! has a comprehensive protection scheme according to your needs! for all its customers. Effectively reduces risks that present a variety of minor to total financing losses. You also have the option to expand your protection coverage by activating optional features.
Affordable
insureka! has the best premium price tag, Premium financing savings reach 25% a year with applicable terms and conditions.
Great Value
Please activate the Insureka policy! now and enjoy the special promo. There is a 25% discount. Make sure the vehicle data is filled in validly and the policy purchase registration stages are completed completely.
Fast and Easy Processes
The digital system run by insureka! providing high effectiveness and efficiency in many aspects. The process is easy, fast and comprehensive. You can get a complete product offer in just 30 seconds. The policy purchase process takes just 3 minutes. Then, within 1 x 24 hours from the time you upload the documents, vehicle video and the review process is complete, the policy is immediately issued electronically (e-Polis).
Policy in < 24 Hours
Police insureka! published in e-Polis format. The duration of publication is 1x24 hours from the time you upload the documents, vehicle video and the review process is complete.
What are the Types of Car Insurance Policies in Indonesia?
Benefits that Customers Get from insureka!
Very clever
Developing a digital format, insureka! best online car insurance! be a very intelligent system. You can get a complete car insurance policy quote within 30 seconds. The policy purchase process takes just 3 minutes. Activation can be done anywhere with an independent survey.
Affordable
insureka premium price! very affordable. The application of premium rates is in accordance with the rates determined by the OJK. There is also a 25% discount.
Accessible Protection
insureka! protection mitigation The risks can be applied to private cars to commercial fleets. The status of the unit is new to second hand. Maximum implementation is for cars that are 15 years old.
Replacement Car
New Car Facilities will be provided insureka! as a replacement for an old, heavily damaged unit that is less than 6 months old.
Transportation Allowance
insureka! provides other economic benefits for cars repaired at a workshop for a duration of more than 5 days. The damage also occurred to a maximum of 3 panels. This benefit is realized in the form of an allowance of IDR 100 thousand per day. Benefits will start to be disbursed on the 8th to 12th day. The total amount of the allowance reaches IDR 500 thousand. Transportation benefits are only given to insureds who have a Comprehensive Policy and do not choose a replacement car facility.
24/7 Customer Service
Customer Service is alert for potential customer emergency status 24 hours a day for 7 days. You can call the telephone number +62 855-7467-5856 when faced with an emergency situation or involved in risk factors.
What do you need to know before buying car insurance?
Registered and Published by the Financial Services Authority (OJK)
Clarity and validity of legal aspects are the basis for choosing a car insurance company. For this reason, car insurance companies and their agents must be registered with the Financial Services Authority (OJK). Checking the legal validity must also be carried out first.
Easy Purchase and Claim Submission Process
Purchasing new policies, renewals, and claims processes are carried out online through a modern digital system. insureka! has designed its system to provide high effectiveness and efficiency in every process carried out by its customers.
Affordable Premiums According to Needs
Police insureka! has been designed according to customer needs. The premium price is also very affordable with financing efficiency of up to 25% a year according to the applicable terms and conditions. This is certainly a big benefit for customers. This means that investments in the form of risk factor protection are very effective.
How to Claim Insureka Car Insurance! At the moment?
Claim Information
Ideally, claims should be submitted less than 7 calendar days after the risk incident. If this time period exceeds, the claim may be rejected. Prepare car data, chronology of events, and special supporting documents according to the type of claim.
Policy Owner Information
SIM and STNK status are in the active position.
Vehicle condition information
Prepare videos and photos of car panel damage, then upload them via the insureka! website or application.
Take your insurance experience to the next level with the insureka! app
Manage policies and claims from your phone. Easy and convenient.
Download the app now
Stages of Getting Car Insurance with insureka!
Visit The App/Website
Customers can access various menus on the website. Apart from various product knowledge information, there is also other comprehensive information in the Articles folder. Then, activate the policy purchase via a similar website or the insureka! Application.
Activate Car Insurance Policy
The e-Polis activation is immediately issued after the document and car video verification process is complete.
Video Survey
An independent survey was carried out by uploading a video of the car. This survey is one of a series of policy purchases.
Electronic Policy (e-Policy)
e-Polis is issued within 1x24 hours. The policy activation can be checked via the account. The publication still refers to the completeness and validity of the document.
Steps to Extending Car Insurance with insureka!
It's easy to renew at insureka!
Renewing an insurance policy is very easy and can be done independently online. The first step he took was to ensure that the policy status was still active or had expired. This extension is carried out via the insureka! website or application. The policy also applies to policies purchased from other insurance companies.
The process is very easy
Renewal becomes very simple and fast while the policy status is still active. You donot need to upload any more car videos. As for policy extensions from other insurance companies, all you need to do is input your KTP and STNK documents via the website or the insureka! Application.
Flexible e-Polis Activation
The activation period for a car insurance policy can be adjusted to the expiration date of the previous policy. The active period of the policy is valid for a duration of 1 year.
How to Calculate Car Insurance Premiums?
insureka! determine the premium value based on the Financial Services Authority (OJK) Circular Letter Number 6/SEOJK.05/2017. These regulations are then implemented in an automated system. The implementation of the Premium Percentage uses a lower limit. An overview of calculating car insurance premiums is as follows, namely:
1. Calculation of Car Insurance Premiums using the insureka! Digital System.
Policy purchases are made online via the insureka! website or application. Click the Offer menu and provide car information, such as brand, year of manufacture and number plate code.
2. Ensure that the type of car insurance suits your needs and coverage value.
3. Optimize the addition of Add-Ons or other Additional Services.
Manual Car Insurance Premium Calculation
Premium Value = Car Price X Premium Percentage.
Information:
* Region I covers the area of Sumatra and the surrounding islands.
* Region II covers the DKI Jakarta, Banten and West Java areas.
* Region III includes areas outside Region I and Region II.
A. Lower Limit of Comprehensive Premium Percentage (All Risk)
Category 1, Car Price Level ≤ IDR 125 Million:
Region I, Selected Premium Percentage Option 3.82%.
Region II, Premium Percentage Option Selected 3.26%.
Region III, Selected Premium Percentage Option 2.53%.
Category 2, Car Price Level > IDR 125 Million to IDR 200 Million:
Region I, Selected Premium Percentage Option 2.67%.
Region II, Selected Premium Percentage Option 2.47%.
Region III, Selected Premium Percentage Option 2.69%.
Category 3, Car Price Level > IDR 200 Million to IDR 400 Million:
Region I, Selected Premium Percentage Option 2.18%.
Region II, Selected Premium Percentage Option 2.08%.
Region III, Selected Premium Percentage Option 1.79%.
Category 4, Car Price Level > IDR 400 Million to IDR 800 Million:
Region I, Selected Premium Percentage Option 1.2%.
Region II, Selected Premium Percentage Option 1.2%.
Region III, Selected Premium Percentage Option 1.14%.
Category 5, Car Price Level > IDR 800 Million :
Region I, Selected Premium Percentage Option 1.05%.
Region II, Selected Premium Percentage Option 1.05%.
Region III, Selected Premium Percentage Option 1.05%.
B. Lower Limit of Total Loss Only (TLO) Premium Percentage
Category 1, Car Price Level ≤ IDR 125 Million:
Region I, Premium Percentage Option Selected 0.47%.
Region II, Selected Premium Percentage Option 0.65%.
Region III, Selected Premium Percentage Option 0.51%.
Category 2, Car Price Level > IDR 125 Million to IDR 200 Million:
Region I, Selected Premium Percentage Option 0.63%.
Region II, Premium Percentage Option Selected 0.44%.
Region III, Selected Premium Percentage Option 0.44%.
Category 3, Car Price Level > IDR 200 Million to IDR 400 Million:
Region I, Selected Premium Percentage Option 0.41%.
Region II, Selected Premium Percentage Option 0.38%.
Region III, Selected Premium Percentage Option 0.29%.
Category 4, Car Price Level > IDR 400 Million to IDR 800 Million:
Region I, Selected Premium Percentage Option 0.25%.
Region II, Premium Percentage Option Selected 0.25%.
Region III, Selected Premium Percentage Option 0.23%.
Category 5, Car Price Level > IDR 800 Million :
Region I, Selected Premium Percentage Option 0.2%.
Region II, Selected Premium Percentage Option 0.2%.
Region III, Selected Premium Percentage Option 0.2%.
General FAQ’s
Find answers to all your car insurance queries here.
Is it insureka! registered with any institution or authority?
insureka! has been registered and supervised by the Financial Services Authority (OJK). No need to worry, because the premium calculation and claims settlement system refers to the standards set by the OJK.
Is it insureka! registered with any institution or authority?
insureka! has been registered and supervised by the Financial Services Authority (OJK). No need to worry, because the premium calculation and claims settlement system refers to the standards set by the OJK.
Why you should buy online insurance from insureka! products At the moment?
The process of purchasing car insurance online at insureka! very fast and easy via the application and the official insureka! website. By choosing insureka!, you can get insurance services without having to come to a physical office or wait a long time to get approval.
Why buy car insurance from insureka! will it save you money?
This is because insureka! offers insurance at affordable premium costs. Plus, insureka! also provides discounts. Of course, this is very profitable for those of you who are looking for quality car insurance at a cost that is not too expensive.
What additional expansions are there in insureka! At the moment?
- Flood, Storm, Typhoon, Landslide.
- Earthquake, Tsunami and Volcano.
- SRCC (Strike, Riot and Riot).
- Terrorism and Sabotage.
- Third-Party Legal Liability.
- Personal Accident for Riders.
- Personal Accident for Passengers.
How to calculate the current vehicle value?
Vehicle premiums are assessed based on the brand, type, variant, and year of manufacture.
What premium rates are used?
The premium rates used are in accordance with those set by the Financial Services Authority (OJK) in Appendix VI of OJK Circular Letter No. 1/SEOJK.05.270 concerning Stipulation of Premium Rates or Contributions to the Property Insurance and Motor Vehicle Insurance Business Lines.
How do I extend my vehicle insurance policy?
Customers will receive notification 30 days before the car insurance policy expires. Customers can also contact Insureka Customer Service! via the insureka! website or application.
How to submit a Vehicle Insurance Claim at insureka!
There are 3 easy steps. First, prepare all information related to the claim that will be submitted, which consists of vehicle information and a chronology of events related to the claim. Second, prepare and provide valid car insurance policy owner data. SIM and STNK must be in active status. Third, upload photos of damaged vehicle panels. Everything is done online through the application.
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