PERSONAL AUTO INSURANCE INDONESIA

Auto Insurance provides protection against lost caused by theft, accidents as well as act of God and riot. The premium generally covers;

1. Property Coverage pays lost or damage of your car
2. Liability Coverage pays any legal responsibilities to others for bodily injury as well as property damage in case of collision
3. Medical Coverage pays cost of injury treatment for driver and passengers
4. Personal Accident for driver & passangers only against death & permanent disability

Auto insurance is sold annually at rates varied based on age and condition of your car, your driving record, type of protection you are interested, etc. To get a maximum protection, a car usually should not be older than 5 years old. Insurance company – in some extents – may cover older cars at TLO basis (Total Lost Only), providing the car is still in good shape and good conditions.

SAMPLE POLICY

Policy Value

Category	Sum Insured	Comprehensive		Total Loss Only
		Standard *	Package	Standard *	Package
Passenger Vehicle
1st 2nd	< IDR300,000,000 > IDR300,000,000	3.00% 2.60%	3.25% 3.27%	1.4% 1.2%	2.0% 1.75%
Good Carrying Vehicle
3rd	All sum insured	4.00%	N/A	2.0%	N/A

*) Comprehensive only

Extended Cover Included in Package Program

1. Third Party/ Passenger Legal Liability (Combine single limit) up to IDR 10,000,000 per occurrence
2. Riot, Strike, Civil Commotion (SRCC)
3. Act of God (including but not limited to Flood, Earthquake & Tsunami)
4. Personal Accident for Driver and Passenger with amount of benefit IDR 10,000,000 per person per occurrence
5. Medical Expenses with amount of benefit IDR 1,000,000 per person per occurrence

Other Benefits included in both Comprehensive Standard and Package

1. New for Old Replacement (for brand new vehicle <>
2. Sister Car Clause
3. Average relief Clause (85%)
4. Undeclared Non Standard Accessories (Max IDR 1,000,000)
5. Accommodation fee for accident occurs out of town (Max IDR 1,000,000 any one accident)
6. Personal effects (Excluding money) in the vehicle up to a maximum of IDR 1,000,000 (Forcible Entry)
7. Theft by Own Driver (TOD) - Minimum length of services 12 months)

Self-risk which is not covered:

1. Own Damage: IDR 200,000 any one accident
2. SRCC: 5% of loss, min IDR 500,000
3. AOG: 5% of loss, min IDR 500,001
4. TOD: 10 of loss
5. Theft: 10 of loss (the whole vehicle)
6. (For Sum Insured under IDR 300,000,000 only)

Additional Premium (Optional)

Limit (in Million)	TPL/ PLL *	PAD	PAP	Medex (10% of limit)
Up to 10	100,000	100,000	1,5000	10,000
Up to 25	50,000	150,000	22,500	15,000
Up to 50	100,000	250,000	37,500	25,000

*) Only for passenger vehicle. For good carrying vehicle, loaded by 50%

Required Documents:

1. Driving License or ID Card
2. Car Document (Copy of Yellow Registration - STNK)