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insureka! is Indonesia’s new-age car insurance for the connected generation like you. It’s smarter, simpler and high on savings. Read more about our exciting benefits here.
Currently we offer car insurance in JABODETABEK.
It's Coming soon.. But do explore our personal vehicle offerings.
You and your family member who you authorize can view the policy. Changes in the policy can be done only by the insured.
Your policy will be effective from day it is issued. You will be notified as soon as the verification is complete and policy is issued, all from the comfort of your home.
No. You will need to inform your existing insurance provider of your intention to terminate your insurance policy with them. You should get proportionate refund for the unexpired period of your policy if you have not made any claims.
You can cancel your policy any time through the mobile app or web. You will be entitled to receive proportionate refund for the unexpired period of your policy if you have not made any claims.
Yes, you can opt for electronic delivery of your policy, bills and other correspondences. This will be your small contribution towards helping mother nature with reduction of paper consumption.
At this time we are providing car insurance only for vehicles registered in JABODETABEK.
"We send you a device that plugs into your car's on-board diagnostic (OBD-II) port. This device transmits data securely via a cellular modem or via your smartphone to update your account with ride information.
For Low Mileage policy, to verify the miles, the odometer needs to captured every quater.
We do not offer insurance for vehicles used for ridesharing as of now.
Roadside assistance is complimentary with all policies except ACT OF GOD policy.
Insureka is an exclusive partner for Asuransi Rama and your policy is underwritten by them.
At this time we are only offering personal car insurance.
Yes, we offer comprehensive coverage. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.
Guarantee of protection provided by the Insurance Company for loss or damage to the insured's car caused by a collision, collision, overturning, slipping, or falling; evil deeds; theft; Fire; including as long as the car is on a ship for crossings under the supervision of the Directorate General of Land Transportation and all risks guaranteed in the policy.
The following is how to purchase car insurance from Insureka 1. Download our app/Visit our website: Fill in vehicle data on the offer page, then select the type of protection and extended warranties and submit all required documents. 2. PAY Select the desired payment method. See more information about how to pay here. 3. SURVEY your car yourself through our mobile app or request for a surveyor at a location and time of your choice. 4. ISSUED POLICY Electronic policy documents (e-policy) will be issued in 24 hours after the approval of the survey process is carried out and sent to the e-mail address that you have registered and car protection has begun to take effect.
"Give the basic details of the car model, make, year of manufacture. Upload KTP,SIM, STNK Upload the panel wise car pictures."
"SRCC (Strikes, Riots and Civil Commotion), Floods, Hurricanes, Storms, Landslides, Earthquakes, Tsunamis and Volcanic Eruptions Terrorism and Sabotage Third Party Legal Liability Driver's Personal Accident Passenger Personal Accident"
The risk of loss due to embezzlement, fraud or hypnosis and the like is not guaranteed in the Policy (Indonesian Motor Vehicle Insurance Standard Policy).
This coverage does not guarantee loss, damage and / or costs for Motorized Vehicles and / or legal liability to third parties if at the time of loss or damage, Motorized Vehicles are driven by someone who does not have a valid Driving License (SIM) with the allotment as regulated in the legislation concerning traffic in force. This exception does not apply to the loss of a parked vehicle.
A car that suffers a loss (collision / collision, bad deed, theft, fire) on a crossing ship under the Directorate General of Land Transportation can be guaranteed in the Policy, including if the ship has an accident
The Endorsement process for change of ownership can be triggered and the policy will be transferred to the new owner.
There is no insurance coverage if the insured car is used for commercial purpose including as an online taxi.
You can get 25% discount if you buy your insurance through our mobile app or website.
Insurance premium is determined based on the policy and features you choose and are governed by the guidelines of OJK.
Yes, you can add coverages after policy issuance and pay for them.
Guarantee for bodily injury or death and / or medical expenses to the driver and / or passenger in a motor vehicle which is directly caused by the motor vehicle accident as a result of the risk guaranteed by the policy.
Guarantee for losses suffered by third parties when you drive using an insured motorized vehicle. Guaranteed loss is not only damage to third party property but also medical expenses for bodily injury or death suffered by a third party.
Claims for damage / loss of a part of the vehicle whose repair costs is bellow 75% of the actual price of the car just prior to the loss.
When the repair cost for the vehicle is equal or greater than 75% of the vehicles present cost then the claim will be treated as total loss claim.
For Comprehensive coverage with a car age limit of up to 10 years when the policy ends while for TLO (Total Loss Only) insurance up to 16 years when the policy ends.
All types of cars used for personal purpose can be insured.
All car brands can be insured by insureka (Toyota, Daihatsu, Datsun, Mitsubishi, Honda, Isuzu, Astra Isuzu, Land Rover, Mazda, Nissan, Suzuki, Audi, BMW, Mercedes-Benz, MINI, Renault, Volkswagen, Chevrolet, Hyundai, FIAT, Jaguar, Jeep, Kia )
For personal use, the Insured does not receive service / money rewards because the vehicle is used for the Insured's own interests, while for commercial use the vehicle owner gets service / money rewards from the results of an online rental / taxi, from the Passenger, or from the owner of the goods (for example rent)
Insured: is an individual or legal entity that has a financial interest in a Motorized Vehicle and is bound by the Insurer to obtain protection for the Motorized Vehicle.
Guarantor: is an insurance company that ties itself with the Insured to provide compensation for loss and / or damage to Motorized Vehicles and / or insured interests.
Collision or Collision: is physical contact between a Motor Vehicle and other objects including animals, which are outside the Motor Vehicle.
Own Risk: is a certain amount that is borne by the Insured for each incident.
Personal Use: is the use of the Motorized Vehicle for the benefit of personal transportation of the vehicle user.
Commercial Use: is the use of the Motorized Vehicle for rent or to receive a service fee (for example: online taxi)
Hypnosis: is an act of deception that makes a person out of his consciousness become submissive and follows the desire of the hypnotist to surrender part or all of the Motorized Vehicle to the hypnotist or other unauthorized persons.
Riot: is the action of a group of people of at least 12 (twelve) people who in carrying out a common goal creates an atmosphere of disruption of public order with noise and uses violence and destruction of the property of others, which have not been considered a riot.
Brawl: is a fight between groups of people involving at least 5 (five) people causing an atmosphere of public order disturbance with noise and using violence and destruction of property of others that have not been considered a riot.
Riot: is a situation in a city where a large number of masses together or in small groups creates an atmosphere of disorder and public security with noise and uses violence and a series of destruction of large amounts of property, such that public fears arise, which is marked by the cessation of more than half of the normal activities of trade / shopping centers or offices or schools or public transportation in the city for at least 24 (twenty four) hours continuously starting before, during or after the event.
Revolution: is a movement of people with violence to make radical changes to the constitutional system (government or social conditions) or overthrow a legitimate de jure or de facto government, which has not been considered a Rebellion.
Rebellion: is an organized act of a group of people who conduct defiance and / or opposition to a de jure or de facto legal government with violence using firearms, which can pose a threat to the continuity of a de jure or de facto legal government.
Invasion: is an act of military force of a country entering the territory of another country with the intention of occupying or controlling it temporarily or permanently.
Civil War: is an armed conflict between regions or between political factions within a country's territorial borders with the aim of fighting for the legitimacy of power.
War and Enmity: is a broad armed conflict (both with or without a declaration of war) or the atmosphere of war between two or more countries, including a country's war games or joint war games between countries.
Makar: is the act of someone acting on behalf of or in connection with an organization or group of people with activities directed at overthrowing with de jure or de facto legitimate Government violence or influencing it with Terrorism or Sabotage or violence.
Sabotage: is the act of destroying property or obstructing the smooth running of a job or resulting in a decline in the value of a job, carried out by a person or group of people, either acting alone or on behalf of or relating to an organization or government in an effort to achieve political, religious, ideological or the like includes intentions to influence government and / or put the public or part of the public in fear.
Terrorism: is an action, including but not limited to the use of coercion or violence and / or threats by using force or violence, by a person or group of people, either acting alone or on behalf of or in connection with an organization or government, with political, religious purposes , ideology or the like includes intentions to influence government and / or put the public or part of the public in fear.
Guarantee against the risk of accidents for motor vehicle drivers and passengers who are insured for the risk of death, permanent disability and medical care / treatment costs.
"The claim procedure is as follows: The insured makes a claim report through the mobile app/web, calling customer care or sending email. The report should be made no later than 5 (five) calendar days from the date of the accident or a claim from a third party. Fill in the claim form."
"Documents needed: 1. To submit a partial loss claim: The identity of the insured (KTP / SIM) or ID Card of the employee who reports for the company. Fill out the complete and correct claim form. Local police report (if there is an element of crime). 2. For submitting third party legal liability claims: Third party identity (KTP / SIM). Third party driver's license if third party losses involve motor vehicles. Claim letter from a third party. Local police report (if needed). 3. For filing a Loss claim: STNK & BPKB (original). Accident Certificate from the local Police (TKP). STNK Blocking Letter from the National Police Headquarters."
It is the amount which has to be paid by the insured against each claim.
The own risk for partial loss claims is 300,000, - / event, while for CTL claims and losses is 5% of the value of the claim reimbursement.
The actual price of a vehicle is the value of the sale that can be obtained for motor vehicles of the same brand, type, model and year as stated in the free market policy shortly before the occurrence of loss and or damage.
Under insured coverage is a position where the actual price of motor vehicles is higher than the coverage value in the policy.
Compensation calculation for under insured vehicles is the Coverage Value divided by the Market Price at the time of the accident or loss multiplied by the value of the repair.
Can, as long as attaching the original identity card of the policy holder or the power of attorney and a photocopy of the policy holder, as well as knowing the incident in detail by attaching the power of attorney and copy of the Insured's ID card or the original Insured ID card.
The premium can be paid through the mobile application or the website at the beginning of the coverage period.
We do not offer 2 wheeler insurance.
"The products can be bought in several ways: 1. Online through our webiste 2. Online through the mobile application 3.Through our call center number 4. Come directly to nearest insureka! Kiosk"
“Yes, you can get it by contacting us via your mobile app or by calling our customer service +62 855 7467 5856 . Once you report the incident, we will immediately provide assistance to you.
If you are using an OBD device, we can contact you when your car is involved in an accident without you having to contact us."
Mobile number is required for authentication. You can also get additional services from our Insurance such as feature and service notifications, the date of your policy, the latest information from us, tips, quizzes, etc. .
These are the partner workshops which provide good quality and timely services.
30 days before the expiry of the policy you will receive a notification and the renewal button will be enabled in the app which can be used to renew the policy or you can contact us.
Our system will provide the most apt value for your car along with a range of the value of the car between which you can decide the amount for which you want to insure it for.
Comprehensive is a type of insurance cover that guarantees risks as stated in the Indonesian Motor Vehicle Insurance Policy, such as collisions, collisions, overturning, skidding, theft, and fire, both for partial and total losses.
RSCC guarantees loss to motor vehicles caused by riots, strikes, work obstruction, misconduct, riots, prevention related to the above risks, looting (riots and riots).