Comprehensive Insurance provides protection against both partial and total damage caused by impact, collision, overturning, skidding, malicious acts, theft, and fire, as long as it is not excluded by the policy.

Total Loss Only (TLO) Insurance provides protection against damage or loss when the cost of repair, replacement, or restoration reaches ≥ 75% of the vehicle's actual value before the damage occurred, and also covers loss due to disappearance or theft.

Yes, you can request changes or additional coverage after the policy has been issued by contacting the relevant marketing representative or visiting the nearest branch/marketing office directly.

The required documents may vary depending on the type of change you wish to make. For further information, please contact the relevant marketing representative.

If the motor vehicle or insured interest changes ownership in any way, the policy will automatically terminate after 10 (ten) calendar days from the date of the ownership transfer, unless the Insurer provides written approval to continue the coverage.

Comprehensive car insurance provides financial protection against the risk of damage or loss caused by impact, collision, overturning, skidding, malicious acts, theft, and fire. The protection applies to both partial and total damage, as long as it is not excluded in the policy.

The insurance policy will be issued within 7–14 business days after the payment and complete documents have been received.

To cancel your motor vehicle insurance policy, you can follow these steps:

• Contact the marketing team via WhatsApp at 0857-7660-0600
• Complete the required cancellation documents
• Sign the policy cancellation documents

The insurance will become active and effective in accordance with the date and terms stated in the policy after the premium has been paid.

Cars that can be insured at Raksa Online are those used for personal purposes. Before being insured, the car will be surveyed first.

For policy renewals, a re-survey is not required as long as it is done before the due date expires.

You can renew your policy by contacting the marketing team via WhatsApp at 0857-7660-0600, or through the Raksa Online App which can be downloaded from the App Store and Play Store.

Of course you can. You only need to attach your KTP and STNK when purchasing the insurance.

Yes, you can. However, if your Motor Vehicle Tax (PKB) is inactive or expired, the claim submission process will be more difficult. Therefore, it is recommended to keep the PKB active as part of the vehicle owner's obligation.

The policy due date is stated in your insurance policy document. For convenience, you can download the Raksa Online app to receive policy due date reminder notifications. You can also contact the marketing team for further information.

To keep your policy active, make sure you pay the renewal premium according to the payment method and timing specified in your insurance policy.

Here are the steps to purchase insurance:

• Submit your request through www.raksaonline.com, the Raksa Online app, or contact marketing via WhatsApp at 0857-7660-0600
• Complete your personal details and vehicle information
• After the request is submitted, our marketing team will contact you within 1×24 hours on business days
• Conduct a vehicle survey at the location of your choice or at a Raksa branch office
• Complete the documents and provide your approval for the coverage
• Payment is made before the policy is issued

Here are the documents required to purchase an insurance policy:

• Vehicle STNK
• The insured's KTP
• A completed and approved SPPA form
• An active email address

If you have any questions, please contact our 24-hour hotline at 021-7226865, Customer Care WhatsApp at 0858-8555-8555, or email via www.raksaonline.com.

Here are some of the extended coverages available in motor vehicle insurance:

• Third Party Legal Liability (TJH): Covers legal liability for losses suffered by third parties caused by the insured vehicle.
• RSCC (Riot, Strike, Civil Commotion): Covers losses caused by riots, strikes, civil commotion, and malicious acts.
• Flood: Covers losses caused by typhoons, storms, hail, floods, standing water, and landslides.
• Earthquake: Covers losses caused by earthquakes, tsunamis, and volcanic eruptions.
• Personal Accident: Covers injury, death, or medical expenses for the driver and/or passengers due to an accident involving the insured vehicle.
• Authorized Workshop: Allows vehicle repairs at Raksa's authorized partner workshops.
• STNK/BPKB:
  • STNK replacement up to Rp1,000,000
  • BPKB replacement up to Rp5,000,000
• 24-Hour Towing: 24-hour towing service in the Greater Jakarta (Jabodetabek) area for emergency conditions. Equipped with a reimbursement limit for external towing of 1% of the sum insured.

Raksa insurance policies can be purchased online through the website www.raksaonline.com. Click the Buy Insurance menu, complete your personal details and vehicle information, then submit your request. Within 1×24 hours, our marketing team will contact you. You can also use the Raksa Online app available on the App Store and Play Store for simulation and purchase.

You can pay for your policy using the following methods:

BCA Virtual Account - BCA ATM:

• Insert your ATM card & PIN
• Select the Transfer menu > to BCA Virtual Account
• Enter the VA number from the policy
• Confirm the payment details
• If correct, press Yes
• Keep the receipt as proof

BCA Virtual Account - m-BCA:

• Open the BCA Mobile app & log in
• Select m-Transfer > BCA Virtual Account
• Enter the VA number
• Confirm and enter your PIN
• Save the payment notification

BCA Virtual Account - KlikBCA Individual:

• Log in at KlikBCA
• Select Fund Transfer > to BCA Virtual Account
• Enter the VA number from the policy
• Confirm and click Continue
• Print the reference number as proof

Credit Card (Full or Installment):

• Make sure your email is active
• Select the credit card method when filling in the premium simulation
• After the policy is issued, click the payment link in the email
• Fill in your card details and click "Pay"
• Save the notification as proof

BNI Virtual Account:

• Log in to BNI Mobile Banking
• Select the Transfer menu > Virtual Account Billing BI
• Enter the 16-digit VA number from the debit note
• Confirm the details and enter your password
• Payment successful

Yes, discounts and promotions can be found when selecting a payment method through the Premium Simulation feature at raksaonline.com. You can also check the latest promotions through the Promo page on the Raksa Online website.

You can use the Premium Simulation feature on the Raksa Online website to calculate the premium amount.

Visit www.raksaonline.com, click the Premium Simulation menu, then complete your vehicle details.

If you are late paying your insurance premium, your policy remains active during a grace period of 14 calendar days from the policy issuance date.

Don't worry, our team will remind you to make the premium payment promptly before the grace period ends.

You can obtain a reference for the car's market value from various trusted sources such as authorized dealers, showrooms, vehicle advertisements, online media, or other automotive platforms.

The price of the car to be insured must match the current market value (actual value). In addition, when you perform a premium simulation at Raksa Online, the system will provide a recommended price from Asuransi Raksa as a reference.

Raksa Online provides several payment methods that you can choose according to your needs, including:

• BCA Virtual Account
• BNI Virtual Account
• Credit Card (full payment)
• Credit Card (installment)

All of these payment methods are available when you go through the purchase or premium simulation process at Raksa Online.

1. Report: Report the incident within a maximum of 5 x 24 hours, either verbally or in writing, to Asuransi Raksa. You can report by:
   • Visiting the nearest Raksa office directly
   • The 24-hour hotline at 021-7226865
   • WhatsApp at 0858-8555-8555
   • Through the Raksa Online app, which can be downloaded from the App Store and Play Store
2. Fill Out the Incident Form: This form contains an explanation and chronology of the incident. Make sure the information matches the facts on the ground, as it will be used by the surveyor during the inspection.
3. Survey: The surveyor will inspect the vehicle to confirm the report. At this stage, the amount of Own Risk (OR) you must pay during the repair will also be determined.
4. SPK Issued: The Work Order (SPK) will be issued after the documents are complete and the survey is finished. The SPK is valid for 30 days.
5. Bring It to the Workshop: Bring your car to the designated workshop along with the SPK. Hand over the repair process to the workshop and pay the OR according to the terms.

Deductible or Own Risk (OR) is an amount of money that must be paid by the policyholder each time they file a claim for vehicle damage.

In Indonesia, the applicable deductible/own risk amount is generally a minimum of Rp300,000 per incident. This cost is paid directly to the workshop when the vehicle repair process is carried out.

To file a vehicle insurance claim, you need to prepare the following documents:

• The insured's KTP
• The driver's SIM at the time of the incident
• Vehicle STNK
• Company (PT) stamp (if the policy is under a company/PT name)
• A statement letter from the local police (for cases of theft, accident, or malicious acts by others)

Make sure all documents are complete so that the claim process runs smoothly.

SPK or Work Order (Surat Perintah Kerja) is a document issued by Asuransi Raksa to the customer after a claim has been approved and the survey results state that the vehicle can be repaired.

The SPK is used as official proof to bring the vehicle to a Raksa partner workshop for repair.

The SPK is valid for 30 calendar days from the date of issuance.

You can find the nearest partner workshop in two ways:

• Through the website www.raksaonline.com, in the Partner Workshops menu. You can view a list of the workshops closest to your location.
• Through the Raksa Online App. Simply register, then select the Partner Workshops menu to see the workshop locations available near you.

Asuransi Raksa also has workshops with the Golden Owl designation, which are the best workshops selected based on assessments by customers and Asuransi Raksa internally.

Yes, Asuransi Raksa guarantees replacement using genuine spare parts in accordance with the type and brand of your car.

We supply genuine spare parts directly to our partner workshops, so you don't need to worry about the authenticity of the components used in the vehicle repair process.

If you experience an accident or emergency situation on the road, you can immediately contact the Raksa Hotline Service at 021-7226865 or WhatsApp 0858-8555-8555.

Towing service from Asuransi Raksa is available and valid in the Greater Jakarta (Jabodetabek) area.

You can monitor the process or status of your claim directly through the Raksa Online app.

In addition, you can also contact Customer Service for further information regarding the status of your claim.

Yes, your vehicle is still covered by Asuransi Raksa as long as the person driving the car holds a valid Driver's License (SIM) and is not violating the applicable traffic laws and regulations.

Yes, losses due to fire are already included in the coverage of comprehensive car insurance.

Meanwhile, protection against flood and natural disasters such as earthquakes and tsunamis is included in the extended coverage. If you would like to obtain this protection, you can add it when purchasing the policy.

Yes, Asuransi Raksa provides additional Riot, Strike, and Civil Commotion (RSCC) protection. This protection covers loss and/or damage to the vehicle caused by:

• Riots
• Strikes and lockouts
• Malicious acts
• Civil commotion or popular uprisings without firearms
• Revolution without firearms
• Preventive measures related to the risks above
• Looting that occurs as a result of riots or civil commotion

This RSCC protection is an extended coverage, and you can add it when purchasing the policy.

Asuransi Raksa will pay compensation within 30 (thirty) calendar days from the time a written agreement is reached between the Insurer and the Insured regarding the amount of compensation to be paid.