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What is car insurance in Indonesia?

Car insurance in Indonesia provides vehicle drivers with protection against financial risks – in the event of car accidents, collisions with objects, theft, natural disasters and more – for their vehicle and the passengers inside it.

What are the different types of car insurance in Indonesia?

There are two types of car insurance policies generally available in Indonesia: Comprehensive car insurance (All Risk) and Total Loss Only (TLO).

Comprehensive car insurance, often referred to as All Risk car insurance in Indonesia, may vary in its level of protection depending on the insurer you choose.

Total Loss Only (TLO) is a car insurance type that will generally provide insurance coverage only if the damages to your vehicle exceed 75% of the total value of your car or if your car is stolen.

What is comprehensive car insurance in Indonesia?

Comprehensive car insurance in Indonesia, also known as All Risk car insurance, is a type of car insurance that provides competitive coverage against risks such as damages to property or health, collision or car accidents, theft, fire, flood, and other natural disasters. Often you can customise the policy with add-on options that suit the best of your needs.

Who is Roojai car insurance suitable for?

A comprehensive car insurance policy with Roojai is suitable for any good driver that drives in a responsible manner and wants to buy all risk car insurance. Roojai is here to help all safe drivers find the right car insurance policy that meets their budget and driving needs.

What are car insurance coverage options?

Comprehensive car insurance policy with Roojai includes the main coverage which can then be customised with additional benefits in order to get competitive coverage according to your requirements.

These benefits are:

  • Sum insured up to IDR 2 bio
  • Third party liability coverage for bodily damage and property damage. This covers you for when you accidentally hit another person’s car, for example. At Roojai, you can choose the insurance coverage value of IDR 0, 25, 50, 100 mio.
  • Personal Accident and medical expense coverage. Customers can choose coverage value of IDR 0, 20, 40, 60, 80, 100 mio per person
  • Natural disasters protection such as protection from floods, windstorm, earthquake, volcanic eruption, and tsunami
  • SRCC (Strikes, Riots, Civil Commotions) protection
  • Emergency roadside assistance - get 24/7 roadside help in case of emergency
  • Transport Allowance in cases where your car will be at the garage for longer than 5 days.
  • Accessories. At Roojai we currently cover body kit, AV system, car window tints, tires and rims, and dashboard camera.
  • Reliable and customer focused team of Customer Service with a 4.9/5 customer satisfaction from real customers.

What is an insurance deductible or insurance excess?

Insurance deductible or insurance excess is the amount that you as a policyholder pay out of your pocket, before making an insurance claim. In Indonesia, there's a standard deductible of IDR 300,000 per car accident, meanwhile, at Roojai the deductible fee for total loss is 5% of the claim fee with a minimum of IDR 500,000 per incident and IDR 300,000 per incident for partial loss.

Some insurance companies may allow you to decrease your insurance premium if you decide to get a higher deductible, which in the long term helps you save more as well as remove requirements to make insurance claims for minor incidents that would otherwise affect your good driving record.

What is the car repair plan?

Most insurance companies will have their own garage network where you can get your car repaired. Roojai’s car repair garage network includes more than 800 garages and growing, about half of which are authorised dealer garages. Currently, we are aiming to build the most comprehensive garage network on Java island, and ultimately the most comprehensive nation-wide. For those living on Java island, this should help you find the garage nearest you when you’re looking to get your car repaired. When customising your insurance plan, you will be able to specify whether you want to choose an all partner garage or dealer only garage. Keep in mind that your insurance premium will be calculated depending on your selection. At the moment, you will be covered only for repairs done in garages which are part of our network.

Does Roojai partner car garage provide warranty on repair and use original spare parts?

Yes, all Roojai partner garages, both our preferred and dealer garage, guarantee the use of original spare parts for all types and brands of insured car.

We also offer a 6-month repair warranty for all car repairs, which begins after your car is returned to you. So, let's say your car experiences some issues after being repaired at a Roojai partner garage, caused by negligence or error during the repair process. If it happens within the warranty period, you can simply visit the same garage where your car was repaired, and they will fix the problem at no additional cost to you.


What is the difference between all risk car insurance and Total Loss Only (TLO)?

The main differences between Comprehensive car insurance policy and Total Loss Only are the level of insurance coverage and of course, the premium price. Comprehensive car insurance provides financial protection against a wider range of risks than Total Loss Only coverage. This means that, if you have a TLO insurance policy, you can only file a claim if the damage to your car is equal or higher than 75% of the value of your car.

As an example: a dented car bumper may be covered under a comprehensive car insurance policy, but not under a TLO policy. If your car is stolen, however, this would be covered by both comprehensive car insurance and TLO car insurance. Because of this, the insurance premium of All-risk comprehensive insurance might be higher since the insurer has to take on a higher risk of protecting your vehicle against a wider range of damages.

What is the best car insurance for my car?

The best car insurance policy for your car will depend on several factors such as your driving habits, your budget, the type of vehicle you drive, and the level of coverage you would like.

If you have a vehicle that you value and drive often, comprehensive insurance may be a better option as it offers better coverage and protection. On the other hand, if your vehicle is much older and has lost significant value, and you are looking for cost-effective protection, Total Loss Only insurance might be a better option for you.

Does comprehensive coverage include third party liability insurance?

Yes, comprehensive insurance coverage typically protects you from financial loss in case you cause damages to another person or their property (for example, if your car hits another car). At Roojai, we offer coverage values of IDR 0, 25, 50, 100 mio depending on how you customise your policy.

Does car insurance in Indonesia provide coverage for fires, floods and natural disasters?

Fire damage is normally covered as part of the main comprehensive insurance coverage. Additional protection from risks such as floods, windstorm, earthquakes or tsunami, can be added as optional benefits under the Roojai comprehensive insurance coverage.

Does car insurance in Indonesia provide coverage for car theft or break in?

Yes, car theft and cases of break ins are covered. If someone steals your spare tire, for example, the loss would be covered under most comprehensive car insurance. But please note that the coverage is for damages or loss to your car only. If someone smashes your car window and steals your laptop, the window would be covered under comprehensive car insurance. For the laptop, you will need a different insurance product.

Does car insurance in Indonesia provide coverage for riots or social unrest?

This coverage is often included as an added optional benefit. For cases where multiple perpetrators are involved such as riots, gang violence, and social unrest, your damages will be covered if you choose comprehensive car insurance with expansion.

Does car insurance in Indonesia provide any personal accident or medical expense coverage?

Yes, car insurance in Indonesia provides coverage for personal accidents and medical expenses. With Roojai, you can customise your coverage and choose anywhere between: IDR 0 (not covered), 20, 40, 60, 80, 100 mio coverage per person. We immediately assume this means 1 driver and 4 passengers. For example, if a customer chooses IDR 40 mio coverage, then we will cover 1 driver + 4 passengers at IDR 40 mio each.

What are the requirements to buy car insurance with Roojai?

  • Drivers aged 18 to 60 with a valid driver’s licence. In many cases, several years of driving experience is necessary.
  • No more than 3 insurance claims in the last 12 months where the main driver is at fault.
  • No history of licence being revoked or driver being jailed for any driving infractions.
  • Vehicle is registered in Indonesia.

How much does car insurance cost in Indonesia?

The cost of your car insurance premium with Roojai will depend on several components such as the driver’s experience and profile, the vehicle model, age and purpose of use as well as the history of claims made. On average, Roojai customers pay in range of IDR 3,200,000 - IDR 4,000,000 per year for all risk car insurance policies.

How to buy comprehensive car insurance with Roojai?

There are many ways that you can buy insurance in Indonesia: through an agent, directly with the insurance company, or at online marketplaces. At Roojai, we offer simple and easy steps that allow you to buy insurance online in a matter of minutes as long as you have a phone with an internet connection.

If you find it preferable to speak to an agent, you can also call us at 021 5089 0821.

How to pay for my car insurance?

Roojai offers you convenient payment methods such as:

  • Credit card
  • Virtual account

To make it easier, you can also pay in instalments using not only credit card but also virtual account as payment options.

Can I pay for my car insurance in instalments?

Yes, Roojai offers a 6-month car insurance instalment plan, which you can pay using credit card or virtual account. And when paying in instalments using a credit card, we don’t block the amount against your card limit, which should make the premium more manageable for many people.

Can I purchase auto insurance for multiple cars under one policy?

Most car insurance will cover one car per insurance policy. For multiple cars under one policy there is what’s called a fleet or commercial car insurance. As is common, Roojai Indonesia currently provides one insurance policy per car.

Do I need to do a vehicle inspection?

Yes, car inspection or survey is normally required before the policy can be activated. With Roojai you can conduct a live video car inspection for your convenience. During the video call, the agent will take photos for documentation purposes. This process normally takes just 5-10 minutes. If for some reason you are not able to connect through video call, our surveyor will assist you.

After you complete the registration and payment process on the website, we will remind you to do a car inspection through email and/or phone. Additionally, we will help you to get prepared for the car inspection process. Just follow instructions such as: make sure your car is parked in a well-lit place with enough space around it so that we can have a proper view. Please have your car registration card and driver’s licence ready.

How to make a car insurance claim with Roojai?

At Roojai, we strive to save you as much time as possible.

  • File a claim through your mobile phone and the claim survey can be done using live video call. You can contact Roojai on our claim hotline at 021 5189 0821 to report the incident or get a claim assistance.
  • Prepare your claim form and additional documents and send an email to mvclaims@roojai.co.id maximum within 5 calendar days after the incident.

What documents do I need to prepare for an insurance claim?

In general, there are several documents that you must complete when submitting a claim. However, the specifics will depend on the incident/loss that you experience.

  1. Filled and signed claim form
  2. Copy of driving licence and vehicle registration certificate
  3. Police report regarding the accident
  4. Written chronology of events
  5. Photo or video of the damages (if required by the Insurer)

How do I change my insurance policy details?

To change insurance policy information at Roojai, you need to contact Roojai customer service and provide details of the required changes. Our agents will accommodate you the best we can, however there may be additional documents we may request.

How do I cancel my insurance policy?

There are few common steps that might give you a better understanding of the process:

  1. Contact your car insurance company
  2. Complete the required documents
  3. Sign the policy cancellation document

At Roojai, if you need to cancel your insurance policy, you can simply contact our team. We can cancel the policy as soon as our customer service team can get a confirmation through the phone.

How to contact Roojai?

Comprehensive car insurance tips

There are few things you need to consider before buying comprehensive car insurance in Indonesia to get the best price car insurance.

  1. Read carefully through the different coverage options for your vehicle and make sure to get the level of protection suitable for you.
  2. Compare price and coverage details between different types of insurance and the level of protection they provide.
  3. Check whether the car repair garage network has locations within a reasonable distance to you.
  4. After choosing comprehensive car insurance, don't forget to read the policy documents carefully to make sure you understand what is covered.

Both comprehensive car insurance and total loss only have advantages and disadvantages depending on your vehicle and your profile. Consider the cost of the policy against the level of protection you need for your vehicle and your driving habits. If you are looking for maximum protection and peace of mind for yourself, your loved ones and your beloved automobile, a comprehensive car insurance policy will provide you with sufficient coverage to cover you from any unnecessary financial losses.


Cost-effective protection

Insurance coverage that gives the best value for the money

Add-ons (options)

Additional benefits that you can select to expand your car insurance policy to get higher coverage


A person who engages in violent and illegal activity and may cause damage to you or your property

Vehicle inspection

A necessary process to check your car to ensure that the details you provide about your car match the policy you select


A person who gathers information and shares it with underwriters in order to assess damages or risk level of insuring your vehicle and adjusts insurance premium

Transparent claim procedure

Clear process of steps to make a hassle free insurance claim

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May 13, 2024

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May 11, 2024

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March 05, 2024

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Excellence Services from Roojai


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January 30, 2024

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January 29, 2024