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50th Year Together

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Protection for your assets

Home Insurance

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Car Insurance

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Motorcycle Insurance

Protect your motorcycle from risks that can happen

Raksa Insurance Services

Enjoy special services from Asuransi Raksa that can meet all your needs

Raksa Insurance Services

A Glimpse of Raksa

Founded in 1975, PT Asuransi Raksa has provided insurance services to all segments of Indonesian society. Operating under the motto "Wise and Trusted", we apply conservative principles in managing insurance funds. We continuously develop a variety of products, services, locations, and innovations alongside our company's journey.

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Years of Experience

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Partner Workshops

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Service Cities

Awards

Recognition of our commitment for more than 50 years

Best Governance, Risk, and Compliance (GRC) Award 2021 – 3 Stars from TOP BUSINESS

Best Insurance Award for Outstanding Financial Performance and Optimal Service Development from Warta Ekonomi

Best General Insurance Performance 2022 in the Gross Premium Rp500 Billion to < Rp1 Trillion category from The Finance

Raksa Insurance receives Best Corporate Governance Award 2025 from Warta Ekonomi

Raksa Insurance receives Best Corporate Governance Award 2025 as the best general insurance company with outstanding governance from Warta Ekonomi

Raksa Insurance receives Outstanding Performance Award as best general insurance in its class from Infobank

Outstanding Performance Award for General Insurance (Equity Class Rp500 Billion–< Rp1 Trillion) — Raksa Insurance recognised as the best general insurance in its equity class by Infobank

Raksa Insurance receives Consistent Performance Award from Infobank

Raksa Insurance receives Consistent Outstanding Performance Award 2020–2024 as the best insurance choice from Infobank

Raksa Insurance recognised as the best general insurance in Indonesia 2025 by Warta Ekonomi

Raksa Insurance ranked as general insurance company with very good performance in 2023 (gross premium Rp500 billion to < Rp1 trillion) by Infobank

Raksa Insurance receives Outstanding General Insurance Performance Award for 5 Consecutive Years (2018–2023)

Raksa Insurance receives award as general insurance company with best performance for 5 consecutive years from Infobank

Raksa Insurance receives Best General Insurance Performance Award 2024 in the Gross Premium Rp500 Billion to < Rp1 Trillion category from The Finance

General Insurance Company with Best Performance 2023 (Gross Premium Rp500 Billion to < Rp1 Trillion) from Infobank

General Insurance Company with Best Performance for 5 Consecutive Years from Infobank in 2023

General Insurance Company with Highest Evaluation Score 2023 (Gross Premium Rp500 Billion to < Rp1 Trillion) from Infobank

Best Governance, Risk, and Compliance (GRC) Award 2021 – 3 Stars from TOP BUSINESS

Best Insurance Award for Outstanding Financial Performance and Optimal Service Development from Warta Ekonomi

Best General Insurance Performance 2022 in the Gross Premium Rp500 Billion to < Rp1 Trillion category from The Finance

Raksa Insurance receives Best Corporate Governance Award 2025 as the best general insurance company with outstanding governance from Warta Ekonomi

Outstanding Performance Award for General Insurance (Equity Class Rp500 Billion–< Rp1 Trillion) — Raksa Insurance recognised as the best general insurance in its equity class by Infobank

Raksa Insurance receives Consistent Outstanding Performance Award 2020–2024 as the best insurance choice from Infobank

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F.A.Q.

What is car insurance?

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.

What types of car insurance are available?

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.

What is the difference between Comprehensive and TLO car insurance?

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.

What documents are required to file a car insurance claim?

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.

What is the time limit for reporting a car insurance claim?

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.

What is Own Risk (OR) or deductible?

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.

Does car insurance cover theft losses?

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.

Does car insurance cover single-vehicle accidents?

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.

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Raksa Online App

Discover our practical services to make it easy for you to file claims

Celebrating Our 50th Year Together

Check your premium for Insurance

Protection for your assets

Home Insurance

Car Insurance

Motorcycle Insurance

Raksa Insurance Services

Enjoy special services from Asuransi Raksa that can meet all your needs

Raksa Insurance Services

A Glimpse of Raksa

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Awards

What do they say about Raksa?

Are You a Raksa Customer?

F.A.Q.

Latest Articles

Raksa Online App

Celebrating Our
50th Year Together