Vehicle insurance is highly recommended for every vehicle owner, especially because the risks on the road are higher and repair costs can be unpredictable which can interfere with cash flow conditions, for that insurance provides financial protection for you.

You will feel safe and calm with the guarantee of any unexpected accident that comes to you and your vehicle, as long as the risk is covered by the policy

Vehicle insurance coverage consists of: Comprehensive coverage of losses due to collisions, collisions, overturning, slips, other people’s evil deeds, lost vehicles, floods, riots, riots, loss of additional equipment, etc. Total Loss Only (TLO) guarantees losses due to total burns, losses, accidents with a minimum damage of 75% of the vehicle price.

For Combined Guarantee (Comprehensive) and Total Loss Only (TLO) up to 10 years of age.

All cars of the non-truck type (for example, sedans, MPVs and SUVs) that are used for personal / official purposes for the vehicle owner.

For personal / official use, the insured does not receive remuneration because the vehicle is used for the insured’s own activities, while for commercial use the vehicle owner receives compensation from the use of the vehicle (eg rent).

Payment can be made in several ways: direct transfer to the Allianz account stated in the policy, or using a credit card at the cashier at the nearest Allianz office.

The insurance against the risk of personal accident includes death and permanent disability to the driver and / or passenger who is experienced while using the insured vehicle.

Your cellphone number is required so that you can get additional services from Allianz, such as feature and service notifications, policy due dates, claim processing status, and others.

Allianz will automatically remind you by mail, e-mail, or telephone about one month before your policy expires based on data contained in our database. Therefore, it is important for you to inform us of changes in your address or telephone number. The next step, you just need to confirm with Allianz, pay the nominal premium to the Allianz account. After that your policy will be extended again.

Allianz Indonesia is committed not to disseminate your information and / or data to other parties outside Allianz.

Changes in data on insurance policies, for example changes in vehicle data, changes in the name of the insured, and others, which can be done by submitting an application for a change or endorsement of the policy. The purpose of the endorsement is to equalize data between the insured’s data and the insurer’s data to facilitate claims processing.

Claims consist of two types, namely CTL (Construction Total Loss) claims and loss claims (Stolen). CTL (Construction Total Loss) claims are claims caused by accidents whose repair costs are equal to or greater than 75% of the actual price of the vehicle immediately before the loss. Total Stolen Claims are claims arising from the evil act of another person or as a result of theft, including theft which is preceded or accompanied by or followed by violence or violent threats to the insured person and / or motor vehicle with the aim of facilitating motor vehicle theft.

Claims that arise as a result of claims from third parties from the insured directly caused by the insured motor vehicle. Claims can be in the form of: Material Damage or Bodily Injury or even death.

Is the market price for a motor vehicle with the same brand, type, model and year of vehicle as stated in the policy, just before the loss and or damage occurs.

The sum insured in accordance with the market price of a vehicle can be seen from the car price table which is updated periodically. The market price of the vehicle can be inquired with the Agency or can be seen in the latest automotive magazine.

The trick is the sum insured divided by the Market Price at the time of the accident or loss multiplied by the amount of repair value. (Sum Insured) / (Market Price) × Correction Value. The results of these calculations are then reduced at your own risk according to the provisions in the policy.

• Example A – Under Insured:
• Coverage price for ZZ brand car: IDR 200,000,000
• Market price at the time the risk occurs: IDR 250,000,000
• Claim of: IDR 20,000,000
• The insurance company will pay: (IDR 200,000,000) / (IDR 250,000,000) × IDR 20,000,000 = IDR 16,000,000 – IDR. 300,000 = 15,700,000, –
• The difference of IDR 4,300,000 will be borne by the insured himself.

• Coverage price for ZZ brand car: IDR 150,000,000
• Market price at the time the risk occurs: IDR 100,000,000
• Claim of: IDR 50,000,000
• Own risk: Rp. 300,000 (example)
• Due to over insured, what the Insurer pays is Rp. 50,000,000 – Rp. 300,000 = Rp. 49,700,000

Yes, as long as you attach the policyholder’s original KTP or power of attorney and a photocopy of the policyholder’s KTP, and know the incident in detail by attaching these letters.

If you have extended your personal accident insurance, automatically the drivers and passengers will be covered at the time of the incident. So that if the driver is driving your car, he will also be protected.

You can get guaranteed maintenance costs by extending the medical expenses coverage or medical expenses on Allianz Mobilku products.

The original defect clause is an additional provision in the motor vehicle policy which explains the condition of the damage to your vehicle, which occurred before the vehicle was insured. Allianz does not guarantee for these damages.

Allianz services can be obtained wherever you are in Indonesia as long as there is an Allianz branch or sales office in that city. If you don’t have an Allianz office in your city, you can come to the Allianz representative office closest to where you live.