Get the best comprehensive car insurance quotes, save up to 25%, and enjoy Roojai Rewards up to Rp2,500,000. Roojai offers 24/7 emergency services and personalised quotes tailored to your needs. Supported by more than 800 partner workshops across Indonesia.
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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.
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.
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:
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:
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.
Here are some of the benefits of buying comprehensive 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:
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.
In general, to have insurance protection from Roojai, you must meet the following car insurance requirements:
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).
No, as most car insurance will cover one car per vehicle insurance policy. Roojai Indonesia currently provides one insurance policy per vehicle.
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.
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.
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.
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.
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:
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:
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
There are few things you need to consider before buying comprehensive car insurance in Indonesia to get the best price car insurance.
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.
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