18 The best Cheap And Good Car Insurance Options In Indonesia

Nowadays, finding good and cheap car insurance is not easy. Moreover, there are many choices of policies from well-known insurance brands.
To choose a good one at a friendly price requires in-depth research.

At this stage it is important for you to know in advance that there are two types of vehicle insurance, namely All Risk and TLO.

All Risk (Comprehensive) is a car insurance policy that covers both partial and total damage. While Total Loss Only (TLO)
bear only total damage. Therefore, All Risk car insurance premiums are more expensive than TLO because the policy benefits are wider.

The following is a review of the differences between All Risk and TLO car insurance, as well as recommendations for good car insurance in Indonesia.

After you understand what insurance is and the types of car insurance
and for sure, choose the best car insurance that can provide maximum protection at an affordable price.

In addition, consider whether the car insurance company has an extensive network of repair shops or not.
Also consider additional benefits (riders) such as towing facilities which will be very helpful if your car breaks down or has an accident.

The following is a list of recommendations for cheap and good car insurance in Indonesia.

1. Lifepal Auto Protection
The Lifepal Oto Protection Policy is a collaborative product from Lifepal and Simas Insurtech Insurance which comes with TLO and ALL Risk options.
The following is a summary of this product information.

Premium: Starting from IDR 600 thousand per year for TLO and IDR 1.9 million per year for All Risk.
Partner workshops: More than 570 workshops spread throughout Indonesia.
How to claim: Digitally through the Lifepal application.
Maximum car age: 10 years.
Benefits: FREE e-toll card for every purchase.

2. Sinar Mas Car Insurance
The choice of good car insurance falls on Sinarmas. Sinarmas car insurance offers two insurance options, namely All Risk and Total Loss Only (TLO) insurance.

For those of you who don't know the difference between All Risk and TLO, you can get the information below.
The following is a summary of information about Sinarmas Car Insurance.

Premium: Starting from IDR 600 thousand per year for TLO and IDR 1.9 million per year for All Risk.
Partner workshops: 574 workshops spread throughout Indonesia.
How to claim: Through the application (1 day).
Maximum car age: 12 years.
Special benefits: Free taxi fare as long as the car is in the repair shop.

3. Zurich Autocillin Sharia Car Insurance
PT Zurich General Takaful Indonesia offers a sharia car insurance policy, namely RTC Autocillin Ikhlas Autocillin which is present in the TLO and All Risk policies. Autocillin insurance used to belong to PT Asuransi Adira Dinamika which has now been acquired by Zurich.

Premium: Starting from IDR 600 thousand per year for TLO and IDR 1.9 million per year for All Risk.
Partner workshops: More than 400 workshops spread throughout Indonesia.
How to claim: Through the application (1 day).
Maximum car age: 10 years.
Special benefits: Premium returns if there are no claims and has been certified by the MUI.

4. Tugu Pratama Car Insurance
PT Asuransi Tugu Pratama Indonesia Tbk offers All Risk and TLO insurance for car owners as one of the good insurance options in Indonesia.
The following is a summary of information about Tugu Pratama Car Insurance.

Premium: Starting from IDR 600 thousand per year for TLO and IDR 1.9 million per year for All Risk.
Partner workshops: More than 420 workshops spread throughout Indonesia.
How to claim: Through the application (1 day).
Maximum car age: 10 years.
Can make claims at non-partner workshops by then submitting a reimbursement to Tugu.
Reimbursement claims at non-partner workshops can only be made if there are no partner workshops available. In addition, the non-partner workshop must also be a repair shop recommended by Tugu Insurance.

Before making a claim, make sure that Tugu has also done the approval first so that later the reimbursement can be accepted.

5. ACA Car Insurance
Another All Risk Insurance which is the best choice of good car insurance is provided by PT Asuransi Central Asia. The following is a summary of information about ACA Car Insurance.

Premium: Starting from IDR 3 million per year for All Risk.
Partner workshops: More than 400 workshops spread throughout Indonesia.
Maximum car age: 7 years.
Special benefits: Free replacement car as long as the car is in the workshop and repair warranty for up to 6 months.

6. All Risk Insurance and TLO MAG
PT Asuransi Multi Artha Guna offers MAG All Risk Insurance and TLO as good insurance options. The following is a summary of information about MAG Car Insurance.

Premium: Starting from IDR 7oo thousand per year for TLO and IDR 3 million per year for All Risk.
Partner workshops: More than 600 workshops spread throughout Indonesia.
Maximum car age: 10 years.
Special benefits: Repairs at authorized workshops at no additional cost, guarantee for non-standard equipment 10 percent UP up to IDR 100 million.

7. Mega Insurance Car Insurance
PT Asuransi Umum Mega offers the best All Risk car insurance and TLO as the best choice of insurance for motorists.
Premium: Starting from IDR 6oo thousands per year for TLO and IDR 2 million per year for All Risk.
Partner workshops: More than 500 workshops spread throughout Indonesia.
Maximum car age: 10 years.
Special benefits: Personal accident insurance benefits for drivers and passengers.

8. AXA Mandiri Car Insurance
AXA Mandiri offers good car insurance with All Risk and TLO options. A summary of AXA Mandiri Car Insurance products is as follows.

Premium: Starting from IDR 6oo thousands per year for TLO and IDR 2 million per year for All Risk.
Workshop partners: More than 100 partners spread throughout Indonesia.
Claims: no survey.
Special benefits: new change for a car aged up to 6 months, free of charge for an ambulance.

9. KB Insurance Car Insurance
The next recommendation is car insurance from KB Insurance, which has several advantages in its basic policy. The following is a summary of the policy information.

Premium: Starting from IDR 700 thousand per year for TLO and IDR 3 million per year for All Risk.
Partner workshops: More than 140 workshops spread throughout Indonesia.
Max age: 20 years old.
Claims: Available WA call center 08111008500 and WA Complaints and Complaints: 08812127888.
Advantages: Towing services up to IDR 3 million, 15 percent non-standard equipment guarantee up to IDR 15 million, transportation allowance with affordable additional premium.

10. Staco Mandiri Car Insurance
Furthermore, there is Staco Mandiri Car Insurance which is also available in All Risk and TLO policies. Based on the 2022 financial reports, PT Asuransi Staco Mandiri achieved a solvency ratio of 350 percent which proves that the insurance company's finances are quite healthy.

TLO insurance premiums start from IDR 700,000 and All Risk premiums start from IDR 3 million per year.
The All Risk Policy provides coverage for the risk of partial damage such as scratches, dents, abrasions or total damage.
The TLO policy provides coverage for risks with losses of over 75 percent of the vehicle value.
The risks covered include collisions, collisions, overturning or slipping, falling, bad deeds, theft, fire.
Maximum vehicle age: 10 years.
Partner workshops: more than 200 workshops spread throughout Indonesia.
Benefits of ambulance costs up to IDR 1 million.
Towing service benefits of up to 0.5% of TSI (Assured).

11. ABDA Car Insurance
This insurance policy managed by PT Asuransi Bina Dana Arta Tbk offers All Risk and TLO policies.
The choice of products offered by the ABDA Car Insurance company includes:

Premium: Starting from IDR 600 thousand per year for TLO and IDR 2 million per year for All Risk.
Partner workshops: More than 500 workshops spread throughout Indonesia.
Max age: 10 years old
Pros: Emergency Road Assistance service and workshop repair warranty.

12. Tokio Marine Vehicle Insurance
PT Asuransi Tokio Marine Indonesia offers All risk and TLO vehicle insurance with the benefits of Tokio Marine Car Insurance as follows.

Premium: Starting from IDR 600 thousand per year for TLO and IDR 2 million per year for All Risk.
Benefits: car damage compensation, towing costs, and ambulance costs.
Additional benefits: third party liability, personal accident, natural disaster.
Service: warranty repair workshop and 24-hour call center.
Pros: Mobile claim service, guarantee for non-standard equipment 20 percent up to IDR 25 million.

13. BRINS Car Insurance
Furthermore, there is motor vehicle insurance from BRI Insurance. This insurance company is one of the insurance companies with the title of Best General Insurance 2022 with Equity of IDR 1-1.5 Trillion and Above from Media Insurance. The following is a summary of BRI Insurance Car Insurance policy information.

Premium: Starting from IDR 600 thousand per year for TLO and IDR 1.9 million per year for All Risk.
Partner workshops: More than 190 workshops spread throughout Indonesia.
Claim: Mobile claim service is available.
Pros: New for old features and free towing service up to 0.5 percent UP.

14. Car Insurance Sompo Insurance Indonesia
Sompo Insurance Indonesia offers All Risk insurance. The following is detailed information about Sompo Car Insurance:

Premium: Starting from IDR 2 million per year for All Risk.
Partner workshops: More than 500 workshops spread throughout Indonesia.
Max age of car: 10 years.
Claim: Manual or via e-claim.
Benefit: Compensation for damage/loss + repair costs due to scratches, dents, etc.
Pros: Free towing service and 10 percent non-standard equipment guarantee up to IDR 50 million.

15. Takaful Car Insurance
PT Asuransi Takaful Umum offers sharia-based Takaful Car Insurance with a choice of All Risk and TLO policies.
This option is suitable for those of you who are looking for a sharia-based car insurance policy.

Premium: Starting from IDR 600 thousand per year for TLO and IDR 1.9 million per year for All Risk.
Partner workshops: More than 140 workshops spread throughout Indonesia.
Max age: 10 years old.
Pros: Premium return benefits.

16. ASWATA Vehicle Insurance
ASWATA Car Insurance is motor vehicle insurance from Asuransi Wahana Tata or better known as ASWATA. The following is detailed policy information.

Premium: Starting from IDR 7oo thousand per year for TLO and IDR 3 million per year for All Risk.
Partner workshops: More than 370 workshops spread throughout Indonesia.
Max age: 10 years for All Risk, 15 years for TLO.
Pros: Guaranteed theft by the driver himself by 15 percent from UP.

17. MSIG Car Insurance
MSIG Car Insurance offers basic All Risk and TLO insurance. In addition, there is also Ladies Car Protection which is specifically for women policyholders. The following is a summary of the police information.

Premium: Starting from IDR 7oo thousand per year for TLO and IDR 3 million per year for All Risk.
Partner workshops: More than 400 workshops spread throughout Indonesia.
Max age: 10 years old.
Pros: There is a special policy for women with additional benefits such as baby car seat protection.

18. Rama Car Insurance

The next cheap and good car insurance recommendation comes from Asuransi Rama (PT Asuransi Rama Satria Wibawa).
The following is a summary of information about the policies offered.
Premium: Starting from IDR 600 thousand per year for TLO and IDR 1.9 million per year for All Risk.
Maximum car age: 10 years.
Pros: Ambulance costs, crane services up to IDR 1 million, new for old, non-standard equipment guarantee of up to 10 percent, transportation allowance if the repair takes more than 7 days.