Best Comprehensive Car Insurance in Indonesia

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.

Total Loss Only (TLO) 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.

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

By choosing the best all risk car insurance from Roojai, you’ll receive comprehensive protection against a wide range of risks. The core benefits include:

• Damage caused by accidents or unforeseen events, from minor issues like scratches and dents to severe damage or total loss.
• Loss due to theft, including car theft that involves force or the threat of violence.

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. However, it's important to note that to be eligible for additional benefits, you must first have a basic car insurance policy in place. 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:

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

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. The higher the risk or the broader the coverage, the higher the premium will be.

However, Roojai offers flexibility so you can tailor your coverage to suit your needs and budget. The average estimated premium ranges from Rp 3.2 million to 4 million per year. You can also easily check your premium estimate online by filling in a few basic details about your vehicle. With Roojai’s convenient online system, the process of calculating and purchasing a policy is faster and more transparent.

What Are the Benefits of Buying All Risk Car Insurance from Roojai?

Here are some of the benefits of buying comprehensive car insurance at Roojai:

1. 24/7 Emergency Roadside Assistance feature.
2. Access to over 800 partner workshops across Indonesia, including authorized and general repair shops.
3. Roojai Rewards: with every car insurance purchase, customers have the chance to earn up to 1,500,000 points (equivalent to IDR 1,500,000), terms and conditions apply.
4. Fast and easy online purchasing process.
5. Multiple payment options, including 6-month installments via debit or credit card—flexible to match your financial needs.
6. Paperless or online claims, supported by Roojai’s 24/7 contact center.
7. Benefits and coverage can be customized based on your needs and budget.
8. Easy vehicle inspection process via video call as the final step before your policy becomes active.

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.

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.

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).

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

No, as most car insurance will cover one car per vehicle insurance policy. Roojai Indonesia currently provides one insurance policy per vehicle.

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

Yes, all Roojai partner garages, both general and authorized, 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.

Are There All Risk Car Insurance Options for Electric Vehicles?

Yes. Roojai offers all risk car insurance specifically for electric vehicles, with comprehensive policy benefits. Roojai also partners with a network of workshops that specialize in electric vehicles to ensure you receive the best possible repair service when making a claim.

How to File Comprehensive Car Insurance 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.

1. You can contact Roojai at our claim hotline at 021 5089 0821 to report an incident or get claim assistance.
2. 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 Do I Change My Comprehensive 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 Comprehensive Car Insurance Policy?

Cancelling an insurance policy means you will lose the protection benefits of comprehensive 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.
• Your policy has been successfully canceled.

How Do I Contact Roojai?

If you have any questions, need assistance, or would like to consult about all risk car insurance, you can contact Roojai through the following channels:

• 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