Reasons why people switch to insureka!

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Customer Satisfaction Rating*

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Average Annual Savings*

800+

Extensive and trusted Garage network

Car insurance claim

How to file a claim

Filing claims with insureka! is a simple 3-step process. Submit your documents, share details of the accident, and upload photos and/or videos of your vehicle and the damage. It’s that easy!To file a claim on your own, simply download insureka! from the Play Store or App Store and follow the steps. Our customer service can also help you file claims.Before you submit, make sure your documents are complete!

Just do the following steps: complete the required documents, provide a chronology of events and upload photos of your car that will be damaged. It's that easy, submitting a car insurance claim is complete

Types of Car Insurance Claims

You can make different types of claims with insureka! We accept loss claims and Third Party Liability claims. They each have their own document requirements:

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Loss Claims

Owners filing total loss claims see an own risk (OR) fee of 10% of the coverage, calculated based on the amount being claimed. OR will be deducted directly from the amount paid to the insured party. Payments to customers are made a maximum of 14 working days after the documents are complete.

How to Claim All Risk Car Insurance

All Risk car insurance is based on Third Party Liability (TPL) and Loss status. The requirements for these claims are as follows.

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Loss Claims

The insured party should upload their claim on the insureka! mobile app. Our Customer Service (CS) will forward the claim to Asuransi Rama via internal email. Asuransi Rama will contact the insured party to verify that the requirements have been met and the claim is valid.

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Claims for Damage to Property or Car Damage

The car insurance claim procedure is roughtly the same, starting with uploading a claim via the insureka! App. Submission of the claim is then forwarded to Asuransi Rama. The process can be faster if documents related to CASCO and Third Party Liability (TPL) are complete.

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Loss Claims for Medical Expenses, Bodily Injury, and or Death

The process for filing this claim is almost the same as claims for Vehicle Damage or Property Damage with the addition of a few documents. These are the police report, hospital receipts with materai, and a photo of a Death Certificate caused by TPL (if such an incident occurred).

Documents for TLO Car Insurance Claims

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TLO or Total Loss Only insurance claims are made for risks arising from loss or heavy damage. We consider heavy damage as being above 75% of the vehicle unit value. There are several documents that must be included, such as the original STNK, original BPKB, original contact key, and LKKB form. You should also include a Police Letter, Kadit Serse letter, a letter blocking the vehicle’s STNK (surat blokir), and photocopies of the KTP and SIM.

Things to Keep in Mind When Submitting a Car Insurance Claim

There are a number of things that must be kept in mind when filing a claim, even if a car insurance claim is scratched. How to claim all risk car insurance to TLO insurance claims must include detailed information on the policy owner, vehicle profile, to the incident. The car insurance claim procedure must also include physical evidence of the unit through photos and videos, including the special case clause.

Customer Reviews

Our customer has rated us

4.9/5 Stars

Review star
  • “The process is easy and hassle-free, competitive prices, well done!”

    Indra Kusuma Jaya

    Jakarta

  • “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

  • “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

  • “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

  • “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

  • “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

  • “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

Car Insurance FAQs

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