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*
45%
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 45% a year.
5 Facts about insureka!, the Best and Most Trusted Car Insurance 2024
insureka! 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 problems accurately, quickly and completely. Providing various positive values to all its customers.
Facts and Reasons Customers Prefer insureka! Car Insurance
insureka! product has been accessed by 1.8 million customers. They also gave a 5 star rating. This cannot be separated from the various positive values they have enjoyed. The most basic value is premium financing efficiency of 45% a year according to the applicable terms and conditions. There are other advantages offered by Insureka!! is:
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 plus 20% cashback according to the applicable terms and conditions. The efficiency of premium financing reaches 45% a year.
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 unit's protection age reaches 15 years. In addition to a premium efficiency of 45%.
Other interesting benefits it offers are:
Now It's Easier to Get Car Insurance
With just the palm of your hand and a little time, you can activate your car insurance policy. With digital system support, you automatically get comprehensive product knowledge information. Complete information supplements have also been prepared via the Articles channel. You can also simulate protection scenarios before purchasing a policy.
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 45% 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 plus 20% cashback from our partners according to the applicable terms and conditions which can be enjoyed directly. 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 plus 20% cashback from our partners according to the applicable terms and conditions. Customers can also save up to 45% a year.
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.
Why Customers Choose Us?
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Deals in 30 Seconds
Customers can get a complete offer within 30 seconds. You only need to visit the insureka! website or application, and click the Offers menu. Please enter the car unit data and the coupon code. The unit data entered is year, brand, model, variant and number plate area code.
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Fast and hassle-free claim process
Customers get a guarantee that the #Claim process will be very smooth from insureka! However, you are also required to understand the applicable claims regulations. You just need to visit the insureka! website or application.
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From video survey directly to e-policy
insureka! provides a self-survey option. You only need to upload a video of the car and documents followed by a payment transaction to activate the policy. When all stages are fulfilled, the policy will be issued in electronic format or e-Polis.
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We always there for you
Our ERA (Emergency Road Assistance) team is always on standby 24/7 to help in an emergency.
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 45% 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 don't 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:
- Calculation of Car Insurance Premiums using the insureka! Digital System.
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.
Step Two
Ensure that the type of car insurance suits your needs and coverage value.
Third step
Optimize the addition of Add-Ons or other Additional Services.
2.Manual Car Insurance Premium Calculation.
Premium Value = Car Price X Premium Percentage.
A. Batas Bawah Persentase Premi Comprehensive (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%.
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.
Customer Reviews
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“The process is easy and hassle-free, competitive prices, well done!”
Indra Kusuma Jaya
Jakarta
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“This insurance is really good. The claim process is fast and according to the workshop we want. What's crazier are the many discounts”
bulefunky smith
Jakarta
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“Insurance that understands today's needs. Easy to register, easy to claim, fast processing, affordable fees, friendly and very satisfying service. good luck Insureka.”
dini widiastuti
Jakarta
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“Insurance is the best, applying is easy, just installing the application, and given a souvenir, the car has been hit by a motorbike, the claim is very easy, all you have to do is take a photo in the application, get the spk and take it to the official repair shop, the car is straight again shiny.”
Suhanta Wijaya
Jakarta
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“Buying insurance is easy, the CS is responsive, and making claims to the repair shop is also easy with a user-friendly application”
Pri Hadiyanto
Jakarta
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“It's easy to apply, and so is the claim. The admin is very helpful, and what is certain is that the price is the best among similar applications. Highly recommended!!!”
Yoseph Ming
Jakarta
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“Fast claim process. The most affordable policy price compared to other products. There is also a manufacturer's workshop where the workmanship is equivalent to the manufacturer's. Keep up the good work.”
antonius louis
Jakarta
FAQ
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Embark on a chronological journey through our illustrious history of awards and recognitions. This interactive timeline captures each milestone, showcasing our evolution and the pivotal moments that have shaped our journey towards excellence.
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