Two products, one confusing naming scheme here is what they actually do
Indonesian car insurance comes in exactly two flavors, and both names oversell. All Risk(also sold as “comprehensive”) covers partial damage — scratches, dents, a crumpled fender, a cracked mirror — plus theft and total loss. Despite the name, it does not cover all risks; more on that below.
TLOstands for Total Loss Only, and this one at least means what it says. It pays out only when your car is stolen or when repair costs reach at least 75 percent of the vehicle's market value. A wrecked bumper, a keyed door, a shattered windshield — TLO pays exactly Rp 0 for all of it. If the car still drives, TLO usually still owes you nothing.
That 75 percent threshold is the entire decision. Everything else — premium, deductible, add-ons — flows from whether you want the insurer involved in small damage or only in disasters.
What each one costs OJK sets the bands
Premiums for both products sit inside rate bands set by the regulator (OJK, under SEOJK 6/2017), so insurers compete on service and add-ons more than headline price. Indicatively:
| All Risk | TLO | |
|---|---|---|
| Annual premium | Roughly 1.05–3.5% of vehicle value | Roughly 0.2–0.8% of vehicle value |
| Covers partial damage | Yes — dents, scratches, collision repair | No |
| Covers theft and total loss | Yes | Yes (loss or repair cost at 75%+ of value) |
| Deductible | Around Rp 300k per own-damage claim | Applies on the rare claim that qualifies |
| Car age limits | Often unavailable or loaded past ~10 years | Available for older cars |
| On a Rp 300M car | Roughly Rp 3.2M–10.5M per year | Roughly Rp 600k–2.4M per year |
Two quirks worth knowing. The rate percentage runs higher for cheaper cars and lower for expensive ones — a Rp 150M city car sits near the top of the All Risk band, a Rp 1B SUV near the bottom. And rates vary by region, because Jakarta traffic and Papua roads are not the same actuarial universe.
How to actually decide three questions
1. How old is the car?Past roughly 10 years, most insurers either refuse All Risk or charge an age loading that eats the value proposition. TLO stays available for older cars, which conveniently matches the math — an old car's repair bills are a smaller share of your finances, but theft of the whole car still hurts.
2. Where does it live? Jakarta traffic is a rounding error generator for bumpers. If the car commutes daily through dense city traffic, small-damage claims are not a hypothetical — they are a schedule. All Risk earns its premium there. A car that mostly sits in a gated garage in a quiet town collects fewer scars.
3. Could you absorb a Rp 5–15M repair without flinching? That is the realistic range for a decent-sized panel-and-paint job at an authorized workshop. If that number would wreck your month, All Risk is buying you a real thing. If it is an annoyance you would pay from savings, TLO plus a disaster fund is the cheaper structure.
- New or financed car, city driving, repairs would sting: All Risk. Leasing companies usually mandate it anyway.
- Car 8–10+ years old, or worth under roughly Rp 100M: TLO. The All Risk premium starts rivaling the car's annual depreciation.
- Somewhere in between: run both quotes and compare the All Risk premium against what you actually spent on bodywork in the last three years.
The liability rule that will affect everyone TPL is on the way
Neither All Risk nor TLO covers damage you cause to other people — that is third-party liability, currently an optional add-on that most Indonesian drivers skip. That is set to change: a mandatory motor third-party-liability scheme is pending under the P2SK Law. The implementing rules have slipped past their January 2025 target, but when they land, every driver will need TPL regardless of which own-damage product they chose.
Practical takeaway: when you compare quotes, price the TJH add-on now. It is cheap relative to what a liability dispute costs, and it future-proofs you against the rule change. Riding two wheels instead? The logic differs — see our guide to scooter accident cover in Bali.
Common questions
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This guide is general information, not regulated insurance advice. Estimates are indicative — final premiums, terms, and eligibility come from the licensed insurer or broker. Rules and rates change; verify anything load-bearing before you rely on it. See our methodology and disclosure.