Find the Right Car Insurance for You
Why Buy Car Insurance from Lifepal?
The car insurance plans available on Lifepal cover damage, theft, and other accidental risks to your vehicle. At Lifepal, you can compare more than 20 car insurance policies from Indonesia’s top insurance companies.
Comparing car insurance options from dozens of companies in Indonesia can be time-consuming and complicated. Lifepal simplifies this process by helping you compare policies online quickly and easily, with a simple activation process.
When recommending insurance products, Lifepal’s expert team considers key factors like customer satisfaction, competitive premiums, and policy benefits, helping you find coverage that truly matches your needs.
Types of Car Insurance in Indonesia
Car insurance is generally divided into two main categories: All Risk and TLO (Total Loss Only). Choosing the right type depends on your vehicle’s condition and your protection needs.
1. All risk car insurance
This type offers comprehensive coverage, ideal for new or high-value cars. Key Benefits:
- Covers both minor and major damage, including scratches, dents, and serious accidents
- Can be extended to include flood, riots, and third-party liability
Estimated premium starts from Rp1.9 million per year* *(Based on vehicle age and value, Jakarta region rates)
2. TLO car insurance (Total Loss Only)
Provides coverage only if the vehicle is severely damaged (repair cost ≥75% of its value) or stolen. Key Benefits:
- Compensation for total damage or theft
- Does not cover partial damage like dents or scratches
Estimated premium starts from Rp500,000 per year* *(Based on vehicle age and value, Jakarta region rates)
*Premium estimates follow rates regulated by SE OJK No. 6/SEOJK.05/2017
3. Combination car insurance
Combination car insurance is usually offered when you purchase a car on credit. The policy combines the benefits of Total Loss Only (TLO) and all risk insurance, but they don’t run simultaneously. Typically, in the early years of the loan the coverage is all risk, then after a few years it switches to TLO, as agreed with the leasing company.
Example: In the first year, a new car is covered under all risk for any type of damage. By the fourth year, the protection automatically changes to TLO, which only compensates for total loss or theft.
4. Car insurance riders
A rider, or additional coverage, is an add-on benefit beyond the basic car insurance protection. Riders are chosen according to your needs to make coverage more comprehensive. They require an extra premium and can only be purchased if you already have a main policy (such as all risk or TLO). Without a basic policy, riders cannot be purchased separately.
Car insurance riders available at Lifepal:
- Coverage extension for floods and windstorms
- Coverage extension for earthquakes and tsunamis
- Coverage extension for riots or civil commotion
- Coverage extension for terrorism and sabotage
- Coverage extension for third-party liability (TPL)
- Coverage extension for passenger personal accident
- Coverage extension for passenger legal liability
Car Insurance FAQ
Are there electric car insurance options at Lifepal?
Lifepal partners with several leading electric car insurance companies in Indonesia, offering access to a network of more than 800 affiliated workshops—including specialists in electric vehicles. With this support, you can feel confident knowing your beloved electric car will be handled by top experts.
Can used cars be insured through Lifepal?
Yes, used car insurance is available through Lifepal. Lifepal works with several top car insurance providers that cover vehicles up to 12 years old.
How long does it take to process a car insurance claim?
The claim process and repairs at the workshop typically take about 3 to 5 business days. However, this can vary depending on the extent of the car’s damage and the completeness of the required claim documents.
How do you file a car insurance claim?
In addition to offering trustworthy car insurance, Lifepal is committed to helping customers file claims quickly and easily. Here’s how to file a claim if a risk or accident occurs:
- Report the incident/accident via email to support@lifepal.co.id or WhatsApp at 082330030027 within 3 days of the event.
- Clearly inform the Lifepal team about the incident’s chronology, date, and location. Include your policy number, phone number, and driver’s information.
- Lifepal will promptly forward your claim to the relevant insurance company.
- Wait for confirmation from the insurer regarding next steps for your claim processing.
Simple steps, but they make all the difference when the unexpected hits.
What are the requirements and documents needed to purchase car insurance?
To buy car insurance, you’ll need to prepare vehicle documents such as the STNK (registration certificate) and BPKB (ownership certificate), along with the owner’s identification. A vehicle inspection will also be conducted to document photos of the car from multiple angles.
How long does it take for a car insurance policy to be issued?
After registering for car insurance, the policy will be issued within 7–14 business days, depending on the company’s regulations. Once the policy is issued, there is a waiting period of around 30 days before you can file a claim.