[ { "question": "What is car insurance", "answer": "Car insurance is a protection service provided by an insurance company for your car. Car insurance protects private-owned or business-owned cars against a variety of risks from accidents, natural disasters, fire, damage, riots, to theft." }, { "question": "Why do you need car insurance", "answer": "There are a lot of risks involved in driving and owning a car, and protecting you from the financial losses associated with these risks is the most important thing. However, we cannot predict when disasters will occur, such as accidents, floods, scratches, and so on.

Have you ever thought you’ve driven your car carefully, yet still caused damage to it that cost you a fortune? This happens because the number of cars and motorized vehicles on Indonesian roads is increasing every year. The number of accidents in Indonesia in 2019 reached 107,500, an increase of 3 percent from the previous year.

In addition, the costs incurred for car repairs are not cheap. Things like this worry car owners. However, by having car insurance, you can get the peace of mind because if there is a disaster that causes damage to your car, the cost of damage will be borne by the insurance company. You only need to make policy payments every year to the insurance company." }, { "question": "Benefits of having car insurance", "subAnswer": [ { "title": "Protect your financial well-being when your car breaks down", "desc": "One of the benefits of car insurance is that your financial condition is protected when your car is damaged. Can you imagine how much money you need to pay without insurance? If your car is covered by insurance, you no longer need to pay a large sum of money , so your savings will be safer!

" }, { "title": "Give you a peace of mind when driving", "desc": "Another benefit of car insurance is that you can drive without worrying about haunting risks. When you are protected by insurance, there will be a sense of security because you always know your financial liabilities are protected.

" }, { "title": "A small investment for a big payoff", "desc": "Finally, the benefit of car insurance is the payoff you can get. By paying a small premium now, you can avoid costly expenses in the future. Of course this is a form of long-term investment whose benefits will be turned back to you in the event of an accident." } ] }, { "question": "Understanding car insurance coverage types", "subAnswer": [ { "title": "All risk/comprehensive car insurance", "desc": "All risk car insurance is a type of insurance that guarantees compensation or repair costs for loss/damage in part or in whole on a vehicle that is directly caused by a collision, impact, overturning, slipping, mired, evil deeds, theft, robbery, fire or other accidents, which adhere to the rules referring to the Indonesian Motor Vehicle Insurance Policy Standard (PSAKBI).

" }, { "title": "Total loss only (TLO)", "desc": "Total Loss Only (TLO) is a type of insurance that guarantees compensation for the loss or vehicle damage whereby the claim value is above 75% of thecoverage that is directly caused by collision, slipping, sliding, criminal acts, theft, fire, or other traffic accidents, which adhere to the rules of the Standard for Indonesian Motor Vehicle Insurance Policy (PSAKBI)." } ] }, { "question": "Understanding car insurance extension", "answer": "Car insurance extension coverage is another benefit that you can get by adding insurance clauses. These extensions can be opted as an add-on to your existing policy to avoid other risks that are not covered in all risk car insurance or total loss. These extensions include the risk of damage, loss, and/or repair costs caused by natural disasters. If you experience natural disasters such as floods, earthquakes, tsunamis, volcanic eruptions, etc. you can get reimbursed for the damage to your vehicle.

Adding an extension to your car insurance policy is very easy. You can directly contact the insurance company and propose for car insurance add-ons.

The risk of loss that is covered by insurance extensions or add-ons include:

Hurricanes, floods, storms, hail & landslides.

Earthquakes, tsunamis & volcanic eruptions.

Riots

Terrorism & sabotage

Legal responsibility towards third parties

Personal accident

" }, { "question": "The best car insurance in Indonesia", "subAnswer": [ { "title": "Adira Car Insurance", "desc": "Adira is a well-known name in the insurance world, including its car insurance named Autocillin. Adira Autocillin insurance has 484 authorized repair partners.", "lists": [ { "label": "Adira Autocillin Comprehensive", "list": [ "Free towing service", "Emergency road assistance", "Same day repair", "Reimbursement of transportation costs", "New car replacement", "Protection of loss of personal belongings", "Ambulance service", "Car shuttle service", "Warranty on parts repair and originality", "STNK renewal service", "Online claim services through mobile app" ] }, { "label": "Adira Autocillin Total Loss Only", "list": [ "Free towing service (only Jabodetabek area, Surabaya, Bandung, Semarang, Palembang, Makassar, Medan.", "Online claim services through mobile app" ] } ] }, { "title": "ACA Car Insurance", "desc": "ACA is a prestigious name when it comes to motor vehicle insurance. ACA car insurance has more than 436 authorized repair partners.", "lists": [ { "label": "ACA Comprehensiv", "list": [ "Free towing service", "Emergency road assistance", "Same day repair", "Reimbursement of transportation costs", "Substitute transportation during the repair period up to 5x24 hours", "New car replacement", "Protection of loss of personal belongings", "Ambulance service", "Car shuttle service", "Warranty on parts repair and originality", "Online claim service through mobile app" ] }, { "label": "ACA Total Loss Only", "list": [ "Repair in all partner workshop networks" ] } ] }, { "title": "MAG Car Insurance", "desc": "MAG car insurance is vehicle insurance owned by MAG insurance company (PT Asuransi Multi Artha Guna) that provides the benefits of repairing car damage. MAG has 510 partner workshops.", "lists": [ { "label": "MAG Comprehensive", "list": [ "Free towing service", "Substitute transportation during the repair period up to 5x24 hours ", "New car replacement", "Ambulance service", "Car shuttle service", "Warranty on parts repair and originality" ] }, { "label": "MAG Total Loss Only", "list": [ "Repair in all partner workshop networks", "Towing service with a maximum compensation benefit of 0.5% of the total sum insured or a maximum of Rp1,000,000 per incident." ] } ] }, { "title": "Avrist Car Insurance", "desc": "Avrist car insurance provides the best protection for your car in 207 partner workshops.", "lists": [ { "label": "Avrist Comprehensive", "list": [ "Towing service with a maximum compensation benefit of 0.5% of the total sum insured", "Ambulance services up to IDR 500,000 per incident", "Claim directly at Avrist General Insurance's partner workshop" ] }, { "label": "Avrist Total Loss Only", "list": [ "Towing service with a maximum compensation benefit of 0.5% of the total sum insured", "Ambulance services up to IDR 500,000 per incident" ] } ] }, { "title": "Malacca Car Insurance", "desc": "The insurance provided by PT Malacca Trust Wuwungan Insurance is one of the best car insurance in Indonesia, which provides repair services in 337 partner workshops.", "lists": [ { "label": "Malacca Comprehensive", "list": [ "Towing service with a maximum compensation benefit of 0.5% of the total sum insured or a maximum of Rp1,000,000 per incident.", "Substitute transportation during the repair period up to 5x24 hours. Specifically for the areas of Jakarta, Bekasi, Bandung, Surabaya, Malang, Jember, Semarang, Solo, Yogyakarta, Denpasar, Palembang, Pekanbaru, and Lampung.", "Car shuttle service for partner workshops", "Warranty on repair and originality of parts for up to 3 months" ] }, { "label": "Malacca Total Loss Only", "list": [ "Towing service with a maximum compensation benefit of 0.5% of the total sum insured or a maximum of Rp1,000,000 per incident." ] } ] }, { "title": "Intra Asia Car Insurance", "desc": "Intra Asia car insurance provides repair services in 128 partner workshops.", "lists": [ { "label": "Intra Asia Comprehensive", "list": [ "May choose repair shop outside of preferred network for free (applies to new cars)", "New car replacement for new vehicles less than or equal to 6 (six) months", "Reimbursement of ambulance costs up to IDR 500,000 / incident" ] }, { "label": "Intra Asia Total Loss Only", "list": [ "New car replacement for new vehicles less than or equal to 6 (six) months", "Reimbursement of ambulance costs up to IDR 500,000 / incident" ] } ] }, { "title": "Tugu Car Insurance", "desc": "Tugu Insurance’s car insurance is one of the policies that provides the most comprehensive benefits. The repair network is available at 297 partner workshops.", "lists": [ { "label": "Tugu Comprehensive", "list": [ "24-hour emergency assistance services from Tugu Real Experience (TREX). Only applicable for Jabodetabek, Surabaya, and Medan. Outside the coverage area, TREX bears a maximum towing cost of 0.5% of the sum insured or a maximum of Rp 500,000 per incident", "New car replacement for new vehicles less than or equal to 6 (six) months", "Reimbursement of ambulance costs up to IDR 500,000 / incident", "Warranty on repairs for up to 6 months", "Online claim services through mobile app" ] }, { "label": "Tugu Total Loss Only", "list": [ "Reimbursement of towing costs at a maximum of 0.5% of the sum insured or a maximum of IDR 500,000 per incident", "Reimbursement of ambulance costs up to IDR 500,000 / incident", "Reimbursement of medical expenses up to 10% of the extension limit for Personal Accident coverage (if extension coverage is purchased)", "Online claim service through the mobile app" ] } ] }, { "title": "Reliance Car Insurance", "desc": "Reliance car insurance provides comprehensive protection for your motorized vehicle. The repair network is available at 297 partner workshops.", "lists": [ { "label": "Reliance Comprehensive", "list": [ "Free towing service for the Greater Jakarta area (Jabodetabek). Outside Jabodetabek there is a maximum fee of 0.5% of the sum insured", "Shuttle service to and from Reliance partner workshops ", "Benefits of transportation costs
Guaranteed reimbursement of transportation costs while the vehicle is repaired at the partner workshop, with a replacement of IDR 200,000 / day with the following terms and conditions:

A maximum of 5 working days during the insurance period
The repair time of the vehicle exceeds 7 working days from the date of entry of the vehicle at the garage and a Work Order (SPK) is issued until the date the vehicle is repaired
The guarantee is valid on the 8th working day

" ] }, { "label": "Reliance Total Loss Only", "list": [ "Free towing service specifically for the Greater Jakarta area (Jabodetabek). Outside Jabodetabek, there is a maximum fee of 0.5% of the sum insured" ] } ] }, { "title": "If at any time the ownership of my vehicle is transferred, can I apply for a premium refund?", "desc": "Refund premiums can be conditioned if during the insurance period of your vehicle insurance policy there is no claim for any action, which then the premium refunds will be reduced by existing costs such as the cost of the current period, tax deductions, administrative fees, and policy cancellation fees from the initial and / or the remaining premium amount. As for some insurance companies that do not justify the process of premium refunds after your insurance policy is active. Any rejection will be attached along with a Letter of Rejection from the insurance company, which is outside of Qoala's responsibility as a brokerage service." } ] }, { "question": "Does car insurance cover damages caused by flood?", "answer": "In general, insurance companies do not cover car damage caused by floods or other natural disasters. Nonetheless, you can always add extended coverages at an additional cost so that your favorite car can be insured against the damages caused by floods and other natural disasters.

With the extension of these benefits, the insured is expanded with a guarantee against loss or damage to motor vehicles insured, caused directly by natural disasters, including flooding (damage caused by water), hurricanes, storms, hail, inundation, or landslides." }, { "question": "Tips on getting the best motor vehicle insurance for you", "subAnswer": [ { "title": "Choose insurance products that fit your needs and budget", "desc": "One of the most important things before deciding to buy car insurance is to align insurance premiums with your current financial condition. This is crucial so you can budget accordingly for your insurance needs.

The amount of car insurance premiums varies, and it largely depends onthe type of car, the year of production, and the price of each insurance company.

" }, { "title": "Know the difference between used and new cars, and consider where you will be using the car", "desc": "Cars with different manufacturing years certainly have different treatments when registering insurance, and of course, each has different services.Likewise,the location of your car usage will also affect these factors.

If you have an adequate budget, you can certainly choose all-risk insurance with comprehensive protection. However, if for example, you live in a place that is prone to theft, TLO insurance might be more useful with more affordable premiums of course.

" }, { "title": "Check the credibility of the insurance company", "desc": "When choosing the right insurance for your motor vehicle , it’s important to consider the prestige of the insurance company.

The things you need to check before choosing an insurance company are customer reviews, the number and quality of partner workshops, and whether the steps to make a claim are easy or difficult. Of course, also make sure your chosen insurance company is registered with the Financial Services Authority (OJK).

With the help of the internet, finding information about the credibility of insurance companies is much easier. In addition, you can also ask relatives who already have car insurance for recommendations.

" }, { "title": "Check the quality of customer support", "desc": "Once you purchase a car insurance, you certainly expect the best service from the insurance company you chose, right?

When choosing an insurance company, look at their customer service options. Besides services via telephone and email, are they also willing to serve you via WhatsApp? Or do they already have a mobile app to make it easier for you to manage your insurance policy?

Also consider additional services such as free towing services, ambulance pick-up, and so on. Choose car insurance whose services cover the things you need, without requiring you to incur additional costs.

" }, { "title": "Pay attention to partner workshop services", "desc": "Partner workshops network also plays an important role in choosing the best insurance for you. You definitely want the location of the insurance partner workshop location that is easily accessible from your place, right? In addition, each workshop usually has a different workmanship standard so it is important for you to determine the quality of the workshop that will repair your vehicles. Workshops whose work is not up to standards and the spare parts used are not quality products, will certainly affect the health of your car." } ] }, { "question": "Car insurance premium calculation example", "subAnswer": [ { "title": "", "desc": "You have a car whose price at the time of purchase is IDR 267,000,000. From the price, your car is in category 3. Because you have a DKI Jakarta ID card, your car belongs to Region 2 using Plate B.

" }, { "title": "All-risk car insurance", "desc": "If you intend to purchase all risk insurance, the insurance premium paid is:
Rp.267,000,000 x 2.08% = Rp.5,553,600

Meanwhile, if you purchase an extension coverage, for example, protection against riots, the calculation will be as follows:

Main premium:
Rp.267,000,000 x 2.08% = Rp.5,553,600

Riot extension premium:
Rp.267,000,000 x 0.05% = Rp13,350,000

Total insurance premiums you must pay in 1 year:
Rp.5,553,600 + Rp13,350,000 = 18,903,600

Insurance extension is optional and may be taken according to conditions in the area of vehicles often used.

" }, { "title": "Asuransi mobil TLO (total loss only)", "desc": "Sementara, jika kamu berniat ambil Asuransi TLO, premi asuransi yang dibayarkan sebesar:

Rp267.000.000 x 0,38% = Rp1.014.600

Jika mengambil jaminan perluasan, misalkan mengambil perluasan jaminan huru-hara dan kerusuhan, premi yang dibayarkan sebesar:
Premi Utama:

Rp267.000.000 x 0,38% = Rp1.014.600
Premi jaminan perluasan (huru hara dan kerusuhan):

Rp267.000.000 x 0,035% = Rp9.345.000
Total premi asuransi yang harus kamu bayarkan dalam 1 tahun:

Rp1.014.600 + Rp9.345.000=10.359.600
Jaminan perluasan sifatnya opsional bisa diambil atau tidak sesuai dengan kondisi di wilayah kendaraan sering digunakan." }, { "title": "Bagaimana saya mengetahui bahwa saya, kendaraan bermotor sudah terproteksi asuransi?", "desc": "Setiap pengajuan yang telah disetujui oleh perusahaan asuransi, akan diterbitkan cover note/e-polis yang berisikan informasi kamu serta hak dan kewajibanmu kepada pihak perusahaan Asuransi, dan kamu dapat melakukan pengecekan nomor polis kamu ke call center pihak perusahaan asuransi untuk membuktikan keabsahan polis asuransi tersebut." } ] }, { "question": "Understanding car insurance deductible", "answer": "A deductible is the costs that must be paid by the owner of the insurance policy in the event of a claim. For example, your car is damaged due to an accident with a loss of IDR 5 million and your deductible of IDR 300 thousand, you only need to pay your own risk of IDR 300 thousand to repair your car. While the remaining Rp4.7 million will be borne by the insurance company.

Here is a breakdown of your own risk for each insurance product that you can get at Qoala.app.

Total loss
For Adira insurance products
Deductible amount: 5% of the claim value, min. Rp1,000,000 (for protection of Comprehensive and Total Loss Only)
For ACA, MAG, Avrist, Malacca, Intra Asia insurance products
Deductible amount: IDR 300,000 (for Comprehensive protection and Total Loss Only)

Hurricanes, Floods, Storms, Hail & Landslides, Earthquakes, Tsunamis & Volcanic Eruptions, Riots, Strike, Malicious Damage, & Civil Commotion.
For Adira, ACA, MAG, Avrist, Malacca, Intra Asia insurance products
Deductible amount: 10% of the claim value, a minimum of IDR 500,000 per incident (for Comprehensive protection and Total Loss Only)

Legal Liability Against Third Parties, Personal Driver Accidents
For Adira, ACA, MAG, Avrist, Malacca, Intra Asia insurance products
Deductible amount: Nil (for Comprehensive protection and Total Loss Only)

Passenger Personal Accident
For Adira insurance products
Deductible amount: Nil (for Comprehensive protection and Total Loss Only)

For ACA, MAG, Avrist, Malacca, Intra Asia insurance products
Deductible amount: Nil (max. 4 people) (for protection of Comprehensive and Total Loss Only)

Autocillin Garage, ATPM & Non-ATPM Partner Workshop
For Adira insurance products
Deductible amount: IDR 300,000 / event (for Comprehensive protection and Total Loss Only)" }, { "question": "How to file a car insurance claim", "subAnswer": [ { "title": "", "desc": "When time comes for you to make an insurance claim for your car, you can submit a claim report to the insurance company via telephone, email, or WhatsApp via the contact details below.

" }, { "title": "How to claim Adira car insurance", "desc": "Claim reports must be reported verbally within 1 x 24 hours, and/or written reports within 5 x 24 hours of the occurrence of the loss.

Hotline: (021) - 1500 456 (24 hours)

Email: adiracare@asuransiadira.co.id

Autocillin Mobile Claim (Available on Google Play Store and iOs App Store)

" }, { "title": "How to claim ACA car insurance", "desc": "Claim reports must be reported verbally within 1 x 24 hours, and/or written reports within 5 x 24 hours of the occurrence of the loss.

Hotline: (021) - 3199 9100 (24 hours)

Email: hotline@acains.com

" }, { "title": "How to claim MAG car insurance", "desc": "Claim reports must be reported verbally within 1 x 24 hours, and / or written reports within 3 x 24 hours of the occurrence of the loss.

Hotline: (021) - 2929 9999 (24 hours)

Email: magline@mag.co.id

" }, { "title": "How to claim Avrist car insurance", "desc": "Claim reports must be reported verbally within 1 x 24 hours, and / or written reports within 3 x 24 hours of the occurrence of the loss.

Call Center: (021) - 5740 381 (Monday - Friday 8:00 - 17:00 WIB)

avrist.general@avrist.com

" }, { "title": "How to claim Malacca car insurance", "desc": "Claim reports must be reported verbally within 1 x 24 hours, and / or written reports within 5 x 24 hours of the occurrence of the loss.

Hotline: (021) - 25 9898 35 (24 hours)

Email: info@mtwi.co.id

" }, { "title": "How to claim Intra Asia car insurance", "desc": "Claim reports must be reported within 5 (five) calendar days of the loss.

Hotline: (021) - 798-6167 (24 hours)

Email: customer.care@intraasia.id

" }, { "title": "How to claim Tugu Insurance car insurance", "desc": "Claim reports must be reported within 5 (five) calendar days of the loss.

Hotline: (021) - 1500 458 (24 hours)

Email: calltia@tugu.com

WhatsApp: 0811 97 100 900

The tdrive app (available on the Google Play Store and iOS App Store)

" }, { "title": "How to claim Reliance car insurance", "desc": "Claim reports must be reported within 3x24 hours of the loss occurring.

Hotline: 0800-1000-327 (toll free) (24 hours)

Email: customer.care@reliance-insurance.com

" }, { "title": "How can my insurance policy be rejected by the insurance company?", "desc": "Your policy can be rejected by the insurance company due to several factors such as the original clause on your insured object that has a high risk factor in regards to the claim process, your insured object does not meet the standards set by the Financial Services Authority (OJK), proof of the element of information manipulation/fraud that you submit to the insurance company, your claim ratio in the previous policy coverage period, all elements that conflict with applicable law, etc. All forms of rejection from insurance companies are not the responsibility of Qoala, but Qoala will still assist you as an intermediary to find a win-win solution." } ] }, { "question": "Requirements to file a car insurance claim", "subAnswer": [ { "title": "For Car / Motorcycle Insurance with All Risk Guarantees:", "desc": "You are required to provide a report at a maximum of 5x24 hours since the incident occurred, then you are also required to attach a photo of the vehicle (panel) that was damaged at the time of the incident. You are also required to provide a chronology of events both verbally (by telephone) and non-verbal (via e-mail). If third-party liability (TPL) coverage occurs, you are required to attach the third party's telephone number along with proof of panel damage.

" }, { "title": "For Car / Motorcycle Insurance with TLO Guarantee:", "desc": "You are required to provide a report at a maximum of 5x24 hours since the incident occurred, including evidence of loss reports from the local police department that indicates you have a lost or stolen vehicle, the driver's license at the time of the incident, and your insurance policy. Next Qoala will report the matter to the guarantor, then the guarantor will search the vehicle for a maximum of 90 calendar days since the police report is recorded, if after passing the search period the vehicle is not found, then you will get a reimbursement according to the price of your vehicle at the time of the incident (maximum adhering to the Coverage Price limit), or a unit that has the same specifications as your previous vehicle.

" }, { "title": "What value will I get if there is a claim for TLO risk?", "desc": "The replacement value will adhere to the value of the loss at the time of the event, with the maximum reimbursement limit of the Coverage Price indicated in your policy. The insurer will replace your TLO losses in the form of money or replacement of units that have the same specifications with the insured unit, depending on which process is easier to achieve and based on mutual agreement. The Coverage Price will be the highest limit of replacement from the guarantor, with the main reference being the market price of your vehicle unit at the time of the incident.

" }, { "title": "How long does the insurance claim process take?", "desc": "After all documents and reports have been received in full by the insurance company, a maximum of 2x24 hours of working days, the insurance will contact you to arrange the survey schedule, and the work order letter (surat perintah kerja) will be published after the survey process is carried out within a maximum period of 3x24 working days, and the estimated workings of your claim are stated in the work order letter.

" }, { "title": "Documents for car insurance claims", "desc": "Customers need to prepare the required documents, including:

Copy of KTP (Policy Holder),

Car documents (vehicle registration),

Driver’s License (SIM),

Policy number from the Insurance Company, and

Car

Motorcycle

Health

Hospital Cash Plan

Life

Tropical Disease