Protect Yourself, Your Car and Others
Because in an accident, it’s not just about your car.
It’s about the people you might hurt.
Hospital bills, injuries, legal responsibility — when you're at fault, you’ll be expected to pay.
Third-Party Liability coverage ensures you're protected not only for your own loss, but for the damage or harm you may cause to others.
It’s the most important protection you can have.
Total Loss Only or All Risk?
It Depends on Your Car’s Age and Use
Choose the protection that fits your vehicle — not all cars need the same coverage. Whether you drive an older car for everyday use or a newer vehicle that deserves full protection, the type of insurance you choose makes a difference. Cars over 5 years old usually qualify only for TLO (Total Loss Only), while cars under 8 years old are eligible for Comprehensive (All Risk) coverage. We’ll help you pick the right one — based on value, use, and eligibility.
Car Insurance in Indonesia –
From Minor Damage to Total Loss
Starting at just
IDR 2,000,000 per year.
Car insurance gives you flexible protection based on what matters most to you. Whether you choose All Risk (covers everything from small scratches to accidents) or Total Loss Only (TLO) (for major damage and theft), you can customize your policy with optional protections.
01
All Risk or TLO — You Choose:
All Risk: Covers both minor and major damages, even small accidents and repairs.
TLO: Covers total loss due to theft or when repair costs exceed 75% of the vehicle’s value.
02
Natural Disaster Coverage (Optional):
Add protection against earthquakes, tsunamis, floods, and windstorms — ideal for high-risk zones in Indonesia.
03
Civil Unrest & Terrorism (Optional):
Covers loss or damage due to riots, strikes, civil commotion (RSCC), terrorism, or sabotage.
04
Personal Accident Coverage (Add-On):
Provides compensation for injury or death for both the driver and passenger.
05
Third-Party Liability (Add-On):
Protects you if your bike causes injury or property damage to others.
Example of Car Insurance Pricing
2 examples of car insurance options available in Indonesia — one with TLO (Total Loss Only) and one with full Comprehensive (All Risk) coverage.
Pricing depends on the car’s value and coverage type.
Suzuki Vitara
2010
Value IDR 75 million
Just
IDR 1,715,000/ year
-
Total Loss Only
-
Riots Strike Civil Commotion
-
Terrorism and Sabotage
-
Act of God
-
Personal Accident Drive (10mill)
-
Personal Accident Passenger - 4px (10mill)
-
Third Party Liability (100mill)
TOYOTA
FORTUNER
Value IDR 573 million
Just
IDR 8,216,000/ year
-
Comprehensive (All Risk)
-
Riots Strike Civil Commotion
-
Terrorism and Sabotage
-
Act of God
-
Personal Accident Drive (25mill)
-
Personal Accident Passenger - 4px (50mill)
-
Third Party Liability (100mill)
Get Ready to Be Covered
Everything you need to start your car insurance smoothly and securely
To qualify for car insurance in Indonesia:
-
The car must be registered in Indonesia
-
Must have a valid STNK (or STCK if it’s brand new)
-
The car should be used for private or light company purposes
-
Comprehensive coverage is available for cars under 8 years old
-
TLO is usually accepted for cars under 15 years old
Trusted by Car Owners & Businesses Activities
Dewi & Anton, Jakarta Residents
We used our car daily with a private driver and didn’t think insurance was that important — until a small accident happened. Thankfully, BPI helped us set up proper coverage just in time. Now we wouldn’t go without it.
Elise, Expat in Bali
Our family car is essential, especially with kids on board. BPI explained everything clearly and helped us get full coverage, including third-party liability. It’s one less thing to worry about.
Made, Company Driver in Denpasar
Our car is used for small deliveries and team visits. BPI gave us a simple package that fit our needs — no stress, no complicated process.
What Car Owners are Asking
Everything you need to know about getting the right car insurance
Drive Smart, Stay Covered
What expat drivers need to know about vehicle protection in Indonesia
