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 Rating*
25%
Average Annual Savings*
490+
Extensive and trusted workshop network
Asuransi Mobil Strategi Pengalih Kerugian Risiko
Car insurance is a form of mitigation and the best strategy for transferring losses by financing the risk of investing in cars. The policy's protection formula is comprehensive and tailored to customer needs. There are many options for expanding coverage. Affordable premiums are complemented by a variety of excellent benefits and rewards. The #Claims process is incredibly smooth with support from Priority Workshops.
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
- Building public trust through quality and affordable products, the best modern digital-based systems, and excellent service.
- Inspire through comprehensive understanding of product information.
- Respond to emerging risk issues accurately, quickly and thoroughly.
- 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:
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.
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.
More Affordable Premiums
Green or affordable premiums are offered to you. Under the OJK legal framework, you can enjoy a 25% discount.
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.
The Trilogy of Investment, Risk, and Protection
Each car is a valuable investment. The financial sacrifices involved in the transaction yield a variety of benefits, from serving as a mode of transportation to providing a key business pillar that generates revenue.
However, this form of investment is often fraught with risk factors. These risks vary, ranging from minor to total financial losses. According to information from the National Police's National Education Center (Pusiknas Polri), material losses due to traffic accidents from January 20, 2022, to June 15, 2025, amounted to Rp982,807,087,612.
This situation certainly puts pressure on the family's financial stability. Risk mitigation with comprehensive coverage is necessary. The ideal protection option is car insurance. The protection product is tailored to your needs, and the premiums remain affordable. The #Claims process is incredibly smooth when risks arise.
What are the types of car insurance policies in Indonesia?
Comprehensive Basic
Comprehensive Basic offers risk mitigation for customers with moderate daily driving. It mitigates all risk factors with tailored premium financing. This policy offers a variety of attractive promotions. Its basic protection is robust through eight included features. Coverage can be expanded by activating 12 optional features.
Comprehensive Premium
Comprehensive Premium offers risk mitigation for customers with very high daily driving intensity. It's a mitigation tool for all risk levels. Premiums are affordable with a variety of attractive promotions. It offers the strongest basic protection, with 15 included features. Coverage can be expanded by activating five optional features.
Total Loss Only
TLO is a form of mitigation for potential losses from total risk financing with diverse backgrounds. This policy offers very affordable premiums. It offers generous economic benefits and is ideal for vehicles older than five years. The basic protection includes five included features, and coverage can be expanded by activating nine optional features.
Hybrid Coverage (TLO + comprehensive)
Hybrid protection is a form of risk mitigation that combines the benefits of a car insurance policy (Comprehensive Premium/Basic) with TLO coverage. This policy has basic protection with 5 included features, with TLO coverage. All Risk protection benefits can be accessed by activating 9 optional features. Premiums remain affordable with attractive promotions.
Catastrophic Policy
Catastrophic Policy is a risk mitigation formula triggered by flooding. This policy is ideal for customers who live or frequently operate in flood-prone areas. Its basic protection framework is built on four included features, then coverage can be expanded through the activation of four optional features. Premiums remain affordable with a variety of attractive promotions.
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?
100% Online
The insureka! system is 100% digital. Every process is increasingly transparent and accountable, achieving high effectiveness and efficiency.
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.
Affordable Premium
Insureka offers the best premium rates! Premium financing savings of up to 25% per year, subject to applicable terms and conditions.
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.
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).
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.
Benefits that Customers Get from insureka!
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.
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.
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.
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.
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.
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.
Other interesting benefits it offers are:
Emergency Road Assistance (ERA) Akses
ERA, or Emergency Road Assistance, can be accessed when customers find themselves in danger on the roadside. Assistance provided includes jumpers, towing, broken-down vehicles, tire repairs, and ambulances.
Replacement Car Service
Replacement Car Service is available in accordance with applicable Terms and Conditions. This facility eases the burden on customers facing risk factors. It ensures that customers' mobility and activities continue as normal.
Allowance of Rp. 100,000/Day
Access a Rp100,000/day allowance, subject to applicable terms and conditions. Customers receive this allowance when their car is repaired for more than five days at the repair shop. The allowance duration is competitive.
Priority Workshop Access
Priority Workshop ensures that claims and car repairs can be handled simultaneously through a single portal. This facility provides easy access to bureaucratic procedures.
CS Direct Consultation
Customers can consult directly with Insureka Customer Service (CS). Media options available.
What 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. 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.
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.
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?
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.
Policy Owner Information
SIM and STNK status are active.
Vehicle Condition Information
Prepare videos and photos of the car panel damage, then upload them via the insureka website or application!
Steps to Get Car Insurance with Insureka!
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!
Wait for E-policy Activation
The e-Policy activation is immediately issued after the document and car video verification process is complete.
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.
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:
- 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. - Ensure the type of car insurance suits your needs and coverage value.
- 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.
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
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