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.

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99.5%

Customer Satisfaction Rating*

25%

Average Annual Savings*

490+

Extensive and trusted workshop network

Everything You Need to Know About Car Insurance

Risk mitigation through car insurance is the best treatment for ensuring comfortable driving on the road. Preventive measures reduce potential financial losses caused by risk factors. The protection formula is tailored to your needs. The #Claims process is incredibly smooth.

Get Insurance at the Best Price

Affordable premiums are guaranteed by Insureka!!. Referring to Financial Services Authority (OJK) Circular Letter Number 6/SEOJK.05/2017, Insureka!! applies a lower premium percentage limit. Subject to applicable terms and conditions, you can enjoy premium savings of up to 25% per year.

4 Facts About Insureka! The Best and Most Trusted Car Insurance in 2024

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  1. Building public trust through quality and affordable products, the best modern digital-based systems, and excellent service.
  2. Inspire through comprehensive understanding of product information.
  3. Respond to emerging risk issues accurately, quickly and thoroughly.
  4. Providing various positive values ​​to all its customers.

Facts and Reasons Why Customers Prefer Car Insurance at Insureka!

insureka! has been accessed by 1.8 million customers. They have given it a 5-star rating. This is due to the various positive values ​​they have enjoyed. The most fundamental value is a 25% annual premium financing efficiency, according to the applicable Terms and Conditions. Other advantages offered by insureka! include:

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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.

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Insurance applications can be made online

insureka! operates all its systems digitally. New policy registration, renewal, and claims are handled independently online using a smartphone or other device. Simply access the insureka! website or app. The app can be downloaded from the App Store or Play Store.

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More Affordable Premiums

Green or affordable premiums are offered to you. Under the OJK legal framework, you can enjoy a 25% discount.

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5 Star Service

Insureka! offers a 5-star service rating. Customers can enjoy a variety of attractive benefits. The product is available for both new and used cars. The coverage period is up to 15 years. It also offers a 25% premium efficiency.

Other interesting benefits it offers are:

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24x7 Emergency Road Assistance (ERA)

24x7 Emergency Road Assistance (ERA) for emergency situations faced by customers.

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Car Replacement Service

Replacement Car Service Facility with a maximum duration of 5 Days (5x24 Hours) according to the Applicable Terms and Conditions.

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Policy for daily allowance

The policy provides a daily benefit of IDR 100,000 when the car is repaired at a workshop for more than five days. The maximum damage is three panels. This option is available if you do not choose the Replacement Car facility.

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24/7 Customer Service

Access Insureka Customer Service 24/7!

Now It's Easier to Have Car Insurance

With just a few clicks and a few moments, you can activate your car insurance policy. With digital support, you automatically receive comprehensive product knowledge. Complete supplementary information is also available through the Articles channel. You can also simulate protection scenarios before purchasing a policy.

Why should you buy car insurance from Insureka! today?

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100% Online

The insureka! system is 100% digital. Every process is increasingly transparent and accountable, achieving high effectiveness and efficiency.

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Total Protection

Insureka! offers a comprehensive, tailored protection plan for all its customers. It effectively mitigates risks ranging from minor to total financial losses. You also have the option to expand your coverage by activating optional features.

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Affordable Premium

Insureka offers the best premium rates! Premium financing savings of up to 25% per year, subject to applicable terms and conditions.

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Special Promo Just For You

Activate your Insureka policy now and enjoy a special promotion. There's a 25% discount. Ensure your vehicle details are valid and that you have completed the policy registration process.

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Fast, Easy, Simple

Insureka!'s digital system delivers high effectiveness and efficiency in many aspects. The process is simple, fast, and comprehensive. You'll receive a complete product offer in just 30 seconds. The policy purchase process takes just 3 minutes. Then, within 24 hours of uploading your documents, vehicle video, and completing the review process, your policy will be issued electronically (e-Policy).

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The policy is issued in less than 24 hours

Insureka! policies are issued in e-Policy format. The issuance period is 24 hours from the time you upload your documents and vehicle video, and the review process is complete.

What are the types of car insurance policies in Indonesia?

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Comprehensive Basic

Comprehensive Basic offers risk mitigation for customers with moderate daily driving. Coverage covers minor to moderate damage, including car theft. Accidental damage includes rollovers, collisions, slips, and falls. Coverage includes losses due to human error, including malicious acts, fire, and partial and total loss.

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Comprehensive Premium

Comprehensive Premium offers risk mitigation for customers with high daily driving intensity. Protection covers various financial losses caused by damage to or loss of the vehicle. Accidents include collisions, rollovers, slips, or falls. Risks resulting from human intervention include fire, malicious acts, and partial and total loss.

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Total Loss Only

TLO is a form of risk mitigation that results in total financing loss. This covers damage to the vehicle exceeding 75% of its value, including loss of the vehicle due to theft. With very affordable premiums, this policy is ideal for cars aged 5 years and older. Also, enjoy a 25% discount, subject to applicable Terms and Conditions.

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Hybrid Coverage (TLO + comprehensive)

This policy combines TLO and Comprehensive (All Risk) protection scenarios. The basic protection framework remains TLO, with a risk mitigation function for damage to the vehicle exceeding 75% of its value or loss due to theft.

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Catastrophic Policy

Catastrophic Policy is a diversified flagship product offered by the trusted brand Insureka!. Offered exclusively, this Catastrophic Policy protects your car from various damages caused by flooding. This natural disaster insurance covers both the engine and the interior.

Benefits that Customers Get from insureka!

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Very Smart

Developing a digital format, Insureka!'s best online car insurance has become a highly intelligent system. You can receive a complete car insurance policy quote in 30 seconds. The policy purchase process only takes 3 minutes. Activation can be done anywhere through a self-survey.

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Affordable Premium

Insureka!'s premiums are very affordable. The premium rates are in line with those set by the Financial Services Authority (OJK). There's also a 25% discount.

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Protection for your beloved car

Insureka!'s risk mitigation protection can be applied to private cars and commercial vehicles, ranging from new to second-hand. Maximum implementation is for cars under 15 years old.

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Replacement Car

Insureka! will provide a New Car Facility as a replacement for a badly damaged old unit that is less than 6 months old.

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Transportation Allowance

Insureka! offers other economic benefits for cars repaired at a workshop lasting more than five days. The maximum damage is to three panels. This benefit is provided in the form of an allowance of IDR 100,000 per day. Disbursement will begin on the 8th to 12th day. The total benefit is IDR 500,000. The transportation allowance is only provided to insured persons with a comprehensive policy and who do not opt ​​for a replacement car.

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24/7 Customer Service

Customer Service is available 24/7 for potential customer emergencies. You can call +62 855-7467-5856 if you encounter an emergency or are facing a risk factor.

What to Know Before Buying Car Insurance?

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Registered and Published by the Financial Services Authority (OJK)

Clarity and validity of legal aspects are the basis for choosing a car insurance company. Therefore, car insurance companies and their agents must be registered with the Financial Services Authority (OJK). Checking the validity of this legality is also mandatory.

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Easy Purchase and Claim Submission Process

New policy purchases, renewals, and claims processing are all handled online through a modern digital system. Insureka! has designed its system to deliver high effectiveness and efficiency in every process its customers undertake.

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Affordable Premiums According to Your Needs

Insureka! policies are designed to meet customer needs. Premiums are also very affordable, with financing efficiency of up to 25% per year, according to the applicable Terms and Conditions. This is undoubtedly a significant benefit for customers. This means that investment in risk protection becomes highly effective.

How to Claim Insureka Car Insurance Now?

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Claim Information

Ideally, claims should be submitted within 7 calendar days of the incident. If you exceed this timeframe, your claim may be rejected. Prepare vehicle details, a chronology of events, and specific supporting documents depending on the type of claim.

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Policy Owner Information

SIM and STNK status are active.

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Vehicle Condition Information

Prepare videos and photos of the car panel damage, then upload them via the insureka website or application!

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Steps to Get Car Insurance with Insureka!

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Visit the App or Site

Customers can access the various menus on the website. In addition to product knowledge, there's also comprehensive information in the Articles folder. Then, activate your policy purchase through a similar website or the Insureka app!

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Wait for E-policy Activation

The e-Policy activation is immediately issued after the document and car video verification process is complete.

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Independent Survey

The self-survey was conducted by uploading a video of the car. The survey was part of a series of policy purchase procedures.

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Electronic Policy (e-Policy)

The e-Policy is issued within 24 hours. Policy activation can be checked through your account. Issuance is still subject to complete and valid documents.

Steps to Renew 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 is to confirm whether the policy is still active or has expired. The renewal process is carried out through the insureka! website or app. This policy also applies to policies purchased from other insurance companies.

The process is very easy

Renewing an insurance policy is very easy and can be done independently online. The first step is to confirm whether the policy is still active or has expired. The renewal process is carried out through the insureka! website or app. This policy also applies to policies purchased from other insurance companies.

Flexible e-Policy Activation

The car insurance policy activation period can be adjusted to the previous policy's expiration date. The policy's active period is valid for one year.

How to Calculate Car Insurance Premiums?

Insureka! determines premium values ​​based on the Financial Services Authority (OJK) Circular Letter Number 6/SEOJK.05/2017. This regulation is then implemented in an automated system. The premium percentage implementation uses a lower limit. The car insurance premium calculation is as follows:

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  1. Car Insurance Premium Calculation according to the insureka! Digital System.
    Policy purchases are made online through the insureka! website or app. Click the Offer menu and provide car information, such as make, year of manufacture, and license plate code.
  2. Ensure 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 Sumatra and the surrounding islands. * Region II covers Jakarta, Banten, and West Java. * Region III covers areas outside Regions I and II.

A. Batas Bawah Persentase Premi Comprehensive (All Risk)

Kategori 1, Level Harga Mobil ≤ Rp125 Juta:
• Wilayah I: 3.82%
• Wilayah II: 3.26%
• Wilayah III: 2.53%
Kategori 2, Level Harga Mobil > Rp125 Juta & ≤ Rp200 Juta:
• Wilayah I: 2.67%
• Wilayah II: 2.47%
• Wilayah III: 2.18%
Kategori 3, Level Harga Mobil > Rp200 Juta & ≤ Rp400 Juta:
• Wilayah I: 2.18%
• Wilayah II: 2.06%
• Wilayah III: 1.79%
Kategori 4, Level Harga Mobil > Rp400 Juta & ≤ Rp800 Juta:
• Wilayah I: 1.24%
• Wilayah II: 1.12%
• Wilayah III: 1.14%
Kategori 5, Level Harga Mobil > Rp800 Juta:
• Wilayah I: 1.05%
• Wilayah II: 1.05%
• Wilayah III: 1.05%

B. Lower Limit of Total Loss Only (TLO) Premium Percentage

Kategori 1, Level Harga Mobil ≤ Rp125 Juta:
• Wilayah I: 0.47%
• Wilayah II: 0.65%
• Wilayah III: 0.51%
Kategori 2, Level Harga Mobil > Rp125 Juta & ≤ Rp200 Juta:
• Wilayah I: 0.63%
• Wilayah II: 0.44%
• Wilayah III: 0.44%
Kategori 3, Level Harga Mobil > Rp200 Juta & ≤ Rp400 Juta:
• Wilayah I: 0.41%
• Wilayah II: 0.29%
• Wilayah III: 0.29%
Kategori 4, Level Harga Mobil > Rp400 Juta & ≤ Rp800 Juta:
• Wilayah I: 0.25%
• Wilayah II: 0.25%
• Wilayah III: 0.23%
Kategori 5, Level Harga Mobil > Rp800 Juta:
• Wilayah I: 0.20%
• Wilayah II: 0.20%
• Wilayah III: 0.20%

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