Find the Right Car Insurance for You

Hybrid insurance is a combination of All Risk and TLO (Total Loss Only) coverage, which is generally only available when purchasing a car on credit. With hybrid vehicle insurance, the car is covered under an All Risk policy in the first year, and then in the following years, it’s only covered under TLO car insurance.

All Risk (comprehensive) car insurance is a vehicle insurance policy that covers all types of damage claims, ranging from minor damage to severe damage. However, the risks covered generally do not include flooding, riots, earthquakes, or other natural disasters that are typically listed as policy exclusions.

TLO (Total Loss Only) car insurance provides compensation if the vehicle is lost due to theft or damaged to the extent that repair costs are equal to or exceed 75% of the car’s value at the time of the incident. In other words, the car must be completely totaled or unusable for you to file a claim. So, if the car only has minor scratches or dents, policyholders cannot submit a claim.

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.

Yes, used car insurance is available through Lifepal. Lifepal works with several top car insurance providers that cover vehicles up to 12 years old.

he 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.

An extended coverage (rider) is an additional benefit beyond protection against accidents or theft. These riders require an extra premium and may include:

• Extended vehicle insurance for risks such as flooding and storms
• Extended vehicle insurance for risks such as earthquakes and tsunamis
• Extended vehicle insurance for risks such as riots or civil disturbances
• Extended vehicle insurance for risks such as terrorism and sabotage
• Extended vehicle insurance for third-party legal liability (TPL)
• Extended vehicle insurance for passenger personal accident coverage
• Extended vehicle insurance for legal liability toward passengers

These add-ons offer peace of mind for unexpected situations beyond basic coverage.

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.

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.

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.