The Right Protection for Every Journey

Car insurance is a protection product that provides compensation for risks such as accidents, theft, fire, and damage due to natural disasters. This protection is provided in accordance with the terms stated in the policy, so vehicle owners do not have to personally bear repair costs or large losses that can occur suddenly.

In general, car insurance consists of two main types: Comprehensive insurance and Total Loss Only (TLO) insurance. Comprehensive insurance provides broader coverage by covering minor to major damage, while TLO insurance only provides protection if the vehicle suffers a total loss or is stolen, in accordance with the limits set in the policy.

The difference between All Risk and Total Loss Only insurance lies in the scope of coverage. All Risk insurance provides comprehensive protection by covering minor damage such as scratches or dents through to major damage and vehicle theft as specified in the policy. TLO insurance, on the other hand, only covers major losses — when the vehicle suffers a total loss or is stolen — with the condition that repair costs amount to at least 75% of the vehicle's value.

Claim documents generally include the driver's license at the time of the incident, the vehicle registration (STNK), the policyholder's national ID (KTP), as well as photos of vehicle damage or a police report if required.

Incidents must be reported within a maximum of 5×24 hours, either verbally or in writing to Asuransi Raksa. You can submit your report by visiting the nearest Raksa office or through the Raksa 24-Hour Hotline at 021-7226865 or via WhatsApp at 0858-8555-8555.

Own Risk (OR) or deductible is the portion of the claim cost borne by the policyholder for each loss and/or damage that occurs. The policyholder is responsible for paying the own risk amount stated in the policy first.

Yes, car insurance can cover losses due to theft as long as the theft risk is clearly stated in the insurance policy. This protection generally applies if the vehicle is stolen in its entirety and the incident is not included in the policy's exclusion clauses.

Yes, car insurance can cover single-vehicle accidents such as hitting a stationary object, skidding, or overturning, as long as such risks are covered in the policy and are not subject to exclusions.