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Car insurance · Indonesia

All Risk or TLO?
We'll show you the math.

Compare All Risk and TLO plans from OJK-licensed insurers. Workshop networks, flood cover, third-party limits — indicative premiums from Rp 95k/mo.

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The big decision

All Risk vs TLO.

The only car insurance question that actually matters. Here's the answer in 30 seconds.

Compare
All Risk(Comprehensive)
TLO(Total Loss Only)
What it pays for
Any damage — small dents to total loss
Only theft or damage above 75% of car value
Best for car age
Newer cars (under 5 years)
Older cars (5+ years), low usage
Starting premium
Indicative: from Rp 460k/mo (≈ Rp 5.5M/yr) — Sinarmas Simas Mobil All Risk
Indicative: from Rp 95k/mo (≈ Rp 1.1M/yr) — ACA Asuransi Otomate TLO
Workshop access
Authorized + bengkel resmi
Limited — usually authorized only on total loss
Small scratch claim
Yes (after deductible Rp 300k)
No
Worth it if
You drive daily in city traffic
Car is parked most of the week
The plans we compare

4 motor plans, side-by-side.

A
ACA Asuransi
Otomate TLO
Entry
From
Rp 95k/mo
Best for: Older cars, theft cover
  • Theft + write-off
  • Cheapest meaningful cover
  • Renewable annually
Watch outNo minor damage cover
Compare ACA Asuransi quotes
Compared · public data
S
Sinarmas
Simas Mobil All Risk
Popular
From
Rp 460k/mo
Best for: Daily commuter cars
  • Any damage, any size
  • Authorized workshop
  • TPL included Rp 25M
Watch outFlood is add-on
Compare Sinarmas quotes
Compared · public data
A
Allianz
MobilKu All Risk Plus
Popular
From
Rp 580k/mo
Best for: Bali / Jakarta floods
  • Flood & SRCC included
  • 24/7 roadside assist
  • Rental car during repair
Watch outHigher excess on luxury
Compare Allianz quotes
Compared · public data
T
Tokio Marine
TM Auto Premier
Premium
From
Rp 920k/mo
Best for: BMW, Mercedes, imports
  • Brand dealer workshops
  • Original parts
  • Full TPL Rp 100M
Watch outPremium tier pricing
Compare Tokio Marine quotes
Compared · public data
Same 4 plans as our comparison table. Starting prices are indicative entry-level premiums from public insurer pages — the real premium depends on your age, plan level and underwriting. No insurer pays for its position in this list.
Motor premiums in Indonesia are rate-banded by OJK per car value and zone — your quote depends on the car, zone and claims history.

InsuranceIndo is a comparison platform, not an insurer or broker. Figures are indicative; the final premium comes from the licensed insurer after underwriting. We may earn a fee from partners — how we make money.

What's actually covered?

The clauses your dealer's agent skips. Here's what most All Risk policies include — and the exclusions that catch people out.

Usually covered
Collision damage (single-vehicle or two-car)
Theft of car or major parts
Fire & natural disasters (flood, landslide)
Riots & civil disturbance (with rider)
Third-party liability up to Rp 25M
Personal accident for driver & passengers
Often excluded
Driving without a valid SIM A
Off-road or racing use
Earthquake & tsunami (needs rider)
Damage from overloading
Wear-and-tear, consumables
Modifications not declared at policy start

Common questions.

How is the premium calculated in Indonesia? +
OJK sets premium ranges by car category and zone (Zone 1–3). Within those ranges, insurers add factors for car age, driver history, and add-ons. Most All Risk policies land at 1.5–4% of the car's market value per year.
Should I buy from the dealer or independent? +
Dealer policies are convenient but often pricier and tied to one workshop. Independent comparison usually saves 15–30% and gives you more workshop choice. The cover is identical when both are with the same insurer.
What's the deductible (own risk) in Indonesia? +
Standard deductible is Rp 300,000 per claim for All Risk. Some lower-premium plans go up to Rp 500,000. Deductibles are per-incident, not per-year.
Will my premium go up after a claim? +
If you've made one small claim, no-claim discount may pause for the next renewal. Two or more claims usually trigger a 10–20% premium increase. Many drivers absorb small repairs to keep their no-claim bonus.
Does my insurance cover other drivers? +
Yes — anyone with a valid SIM A driving with your permission is covered, unless you bought a "named driver" plan. Always confirm in your policy schedule.

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Get car quotes All Risk vs TLO — full guide