Comprehensive (All Risk) Car Insurance in Indonesia

What is Car Insurance?

Car insurance protects you from financial losses if you’re involved in road accidents, collisions, theft, natural disasters, and other unexpected causes.

What Is All Risk Car Insurance?

All Risk Car Insurance, also known as comprehensive car insurance, covers repair costs for partial or total damage due to collisions, fires, accidents, and theft. All Risk Car Insurance consists of basic benefits and additional benefits that you can choose according to your needs.

What Is the Difference Between All Risk and TLO Insurance?

In general, there are two types of car insurance in Indonesia: All Risk Car Insurance and Total Loss Only (TLO) Insurance. The main differences between All Risk and TLO insurance are in the scope of premium and coverage. All Risk Car Insurance offers extensive benefits, covering repair costs for partial damage such as scratches and dents, as well as total damage and loss. Meanwhile, TLO Insurance covers only total loss or damage where the repair costs are 75% or more of the vehicle’s value before the incident. Primarily focuses on compensating for total loss or severe damage. In summary, if you are looking for extensive coverage that includes minor damages, All Risk Car Insurance is the better choice.

What Are the Basic Benefits of All Risk Car Insurance From Roojai?

All Risk Car Insurance from Roojai Indonesia offers a wide range of benefits, covering damage due to collisions, accidents, impacts, slipping, overturning, and theft risks.

What Are The Additional Benefits of All Risk Car Insurance From Roojai?

If you’re looking to enhance your protection and peace of mind, you can opt for add-ons such as named drivers or additional coverage from Roojai. An extra cost for additional coverage or car insurance riders will be applied to your premium.

Here are the additional coverage options available for you:

• Coverage up to Rp2 billion
• Third-party legal liability for bodily injury and property damage. You can choose coverage of Rp25 million, Rp50 million, or Rp100 million.
• Personal accident insurance coverage. You can choose coverage of Rp25 million, Rp50 million, or Rp100 million per person.
• Protection against losses due to natural disasters, such as floods, storms, earthquakes, volcanic eruptions, and tsunamis.
• Protection against losses due to riots.
• Emergency services – get 24/7 emergency services if your car has problems on the road.
• Transportation allowance if your car is in the workshop for more than 5 days.
• Protection for car accessories. Roojai provides protection options for body kits, window films, wheels & tires, audio & visual systems, and dashboard cameras.

Are Personal Accident Insurance or Injury Treatment Costs From Car Accidents Covered Under All-Risk Car Insurance?

Yes, the cost of personal accident coverage can be included in your car insurance policy as an additional coverage or rider. At Roojai, you can choose personal accident insurance coverage of million, Rp40 million, Rp60 million, Rp80 million, or Rp100 million per person. This benefit covers 1 driver and 4 passengers. This means that if you choose coverage of Rp40 million, we will cover 1 driver + 4 passengers with medical expenses of Rp40 million each.

How Much Does Car Insurance From Roojai Cost?

The cost of car insurance premiums at Roojai depends on different factors, such as the driver’s profile and experience, vehicle model, car age, usage purpose, and claim history. On average, the premium for All Risk Car Insurance policies from Roojai falls in the range of Rp3,200,000 - Rp4,000,000 per year. Both All Risk and TLO insurance prices are regulated by Otoritas Jasa Keuangan (OJK), so the amount depends on the factors mentioned above. The additional coverage will also affect your premium rate.

How to File a Claim at Roojai?

At Roojai, we strive to save our customers’ valuable time by providing fast and transparent claim services. Filing car insurance claims with Roojai can be done online, including through surveys via video call. You can contact Roojai at our claim hotline at 021 5089 0821 to report an incident or get claim assistance. For a seamless claim process, please prepare the claim form and additional documents and send an email to mvclaims@roojai.co.id within a maximum of 5 calendar days after the incident.

How to Buy All Risk Car Insurance at Roojai?

Roojai offers the convenience of buying car insurance online by clicking the Check Price button and filling out the form. If you are more comfortable talking to an insurance agent, you can also contact us at 021 5089 0821.

For payment methods, Roojai offers 2 options you can choose from:

• Credit card
• Virtual account

You can also make instalment payments with the above payment methods. You can read the detailed procedure for buying car insurance at Roojai on the how to buy insurance page.

Where Are Roojai’s Partner Garages Located?

Roojai Indonesia has partnered with more than 800 garages to provide assistance when your car sustains damage. Use Roojai’s Find a Garage to find the nearest workshop to your current location.

Do Roojai’s Partner Garages Guarantee Original Spare Parts and Repair Warranties?

Yes, all Roojai partner garages, both general and authorised, provide warranties for the replacement of original spare parts for all types and brands of insured cars. Additionally, we also provide a 6-month repair warranty valid from the time the car is repaired and handed over to the insured. So, if your car experiences damage after being repaired at a Roojai partner garage due to negligence/errors in workmanship and is still under warranty, just visit the partner garage where the car was previously repaired and your car will be repaired again without any additional costs.

What Are the Requirements to Buy Car Insurance at Roojai?

In general, to have insurance protection from Roojai, you must meet the following car insurance requirements:

• Drivers aged 18 to 60 years old with a valid driver’s license. In some cases, several years of driving experience are also required.
• No more than 3 insurance claims in the last 12 months due to the main driver’s negligence.
• No history of license revocation or the driver being imprisoned for driving violations.
• Vehicles registered in Indonesia.

Can I Buy Insurance for Multiple Cars Under One Vehicle Insurance Policy?

Most car insurance will cover one car per vehicle insurance policy. Roojai Indonesia currently provides one insurance policy per vehicle.

Is a Car Inspection Mandatory?

Roojai Indonesia requires a vehicle inspection to determine the condition of your car before it is insured. At Roojai, we can conduct the vehicle inspection online via video call. During the video call, our team will take photos of several parts of the car for documentation purposes. This process usually takes only 5-10 minutes. If, for some reason, you cannot connect via video call, our surveyor will assist you. The vehicle inspection process is carried out after you complete the registration and payment process on the website. We will remind you to have your car inspected via email and WhatsApp. We will also inform you of what needs to be prepared during the car inspection process, such as parking the car in a well-lit area so our inspection team can see the car parts clearly. Don’t forget to prepare your vehicle registration certificate (STNK) and driver’s license (SIM)

How Do I Change My Insurance Policy Details?

To change your insurance policy information at Roojai, reach out to our contact center and provide the details you want to change. Our team will assist you and may request additional documents.

How Do I Cancel My Insurance Policy?

Cancelling an insurance policy means you will lose the protection benefits of car insurance. However, if you need to cancel it for certain reasons, there are a few steps you need to take:

• Contact our contact center via email or phone.
• Complete the required documents.
• Sign the policy cancellation documents.

How Do I Contact Roojai?

• Contact Center (quotation, purchase, general inquiries, claims): 021 5089 0821

• Email hotline: 
  for product purchase: contact@roojai.co.id
  for general inquiries: service@roojai.co.id
  for making an insurance claim: mvclaims@roojai.co.id

Both All Risk and Total Loss Only Car Insurance come with their own set of pros and cons, depending on your vehicle's profile. It's important to weigh the premium costs against the level of protection that best fits your vehicle and personal requirements. For comprehensive coverage, All Risk Car Insurance is the best choice.