Car Insurance

Extended Coverage

• Riot, Strike, Civil Commotion (RSCC)

  Covers loss and/or damage to the motor vehicle caused by riots, strikes, malicious acts, work stoppages, civil disturbances, unarmed popular uprisings or revolutions, and related preventative measures, as well as looting (riots and civil disturbances).

• Earthquake, Tsunami, and/or Volcanic Eruption

  Covers loss and/or damage to the insured motor vehicle caused by earthquake, tsunami, and/or volcanic eruption.

• Personal Accident

  Covers bodily injury, death, or medical expenses for the driver and/or passengers inside the motor vehicle directly caused by an accident involving that vehicle as a result of a risk covered by the policy.

  1. PA Driver covers the driver against risks of injury, medical costs, and death caused by an accident while operating the vehicle, up to the maximum limit stated in the policy.

  2. PA Passenger covers passengers against risks of injury, medical costs, and death caused by an accident while travelling in the vehicle, up to the maximum limit stated in the policy.

• Third-Party Legal Liability (TPL)

  Covers legal liability to a third party for losses accompanied by a third-party claim against the insured, where the loss is directly caused by the insured motor vehicle.

• Terrorism & Sabotage

  Covers losses arising from the risks of terrorism, sabotage, and/or reasonable precautions against external risks that may cause loss or damage.

• STNK/BPKB

  Covers the cost of reissuing the vehicle registration (STNK) and/or ownership certificate (BPKB) in the event of loss, damage, etc.

Non-Standard Equipment

The policy does not cover loss or damage to non-standard equipment unless specifically stated in the policy, including the type, specification, and price.

Sum Insured

The actual value of the motor vehicle, which is the sale price obtainable for a vehicle of the same make, type, model, and year in the open market at the time of insurance inception.