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Why Insure with Onoff?

Pay insurance only for your driving duration. Make major savings.

SAVE

UP TO

56 %

Other Insurance Rp 5.607.500
Onoff Insurance Rp 2.610.800

SAVE

UP TO

56 %

Huge discount

Let's get it on!


What is Onoff?


The first pay-as-you-go car insurance in Indonesia.


Our pay-per-use insurance is straightforward, easy to use, and can save low-mileage drivers up to 55% off their current rates.


Car insurance is essential to give you peace of mind, but the cost doesn’t have to break your savings. Normally, you need to pay for an annual premium in advance without considering the fact that your car is parked most of the time when you sleep, in your office, or due to odd-even regulation. Now is the time to take control of your car insurance premium expenditure. Spend money only on the protection that you need when you actually drive the car and save your hard-earned cash!


Product Information Summary (PDF) Products Information Summary (INA)

How It Works


Features

Low Cost
Low Cost
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Improve a better and smarter car insurance experience while paying a much lower premium.
Low Cost
Easy Claim
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With a single tap, your claim is quickly processed.
Low Cost
Trusted Partner Workshops
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Get access to high-quality workshops service and original spare parts.

Products

Package  BASIC

When you enroll (either for 3, 6 or 12 months), your car will automatically have basic protection so that even when your car is at home or parked there is adequate coverage that includes the theft of your vehicle. And even if you opt to drive with this basic protection there is still coverage for accidents which cause major damage to your vehicle and also for your liability to third parties.


Basic Package Includes:

- Coverage for theft, fire and accidental damage to your parked vehicle resulting in a total loss or major damage exceeding 75% of the market value of your car (Total Loss Only).

- Coverage for bodily injury or damage to someone else's property (Third-Party Liability), maximum IDR 10 Million any one accident.

- Coverage for the driver and/or passengers being injured while the car is being driven (Personal Accident), IDR 5 Million per person for a maximum of 4 persons (including the driver).

Additional Information:

Turn on and activate low-cost comprehensive insurance (starting from as little as IDR 500/hour), including coverage for collisions and bumps/scratches to your car.


After your chosen period has elapsed, comprehensive cover is deactivated and revert to the Basic Package. Remember to switch on the comprehensive protection each time you drive.


Each time you make a claim you will be responsible for a minimum deductible of IDR 300.000.


Available in 3, 6, or 12-month duration.



Package  PREMIUM

Extend the Basic Package to broaden the scope of coverage. This Premium Package gives the car owner the option to have considerably more protection against catastrophic risks. So even when your car is at home or parked there would be additional coverage for earthquake and flood damage for example.


Premium Package Includes:

- Everything from the Basic Package plus:

- Damage caused by storm, flood, water damage, earthquake, volcanic eruption, strikes, riots, malicious damage and acts of terrorism which causes major damage or a total loss exceeding 75% of the market value of the vehicle (Total Loss Only).

Additional Information:

Turn on and activate low-cost comprehensive insurance (starting from as little as IDR 500/hour), including coverage for collisions and bumps/scratches to your car.


After your chosen period has elapsed, comprehensive cover is deactivated and revert to the Premium Package. Remember to switch on the comprehensive protection each time you drive.


Each time you make a claim you will be responsible for a minimum deductible of IDR 300.000.


Available in 3, 6, or 12-month duration.



Frequently Asked Questions

Some answers to our most common questions are below

Is this for real?

Of course! We are car insurance specialists. Onoff Insurance is underwritten by a leading national insurance company that is registered and authorised by OJK.

Who can use Onoff Insurance?

Anyone with a valid car driver's licence. But Onoff Insurance will provide maximum benefit if you don’t drive your car very often, or if you now prefer to use public transportation or perhaps are forced to abide by the even-odd regulation. However if you DO use your car often, we won’t charge more than other car insurance companies, since OJK caps the maximum rate you pay. OJK is nice that way! In addition we currently only cover privately owned vehicles, but maybe in the future Onoff Insurance will also be available for commercial vehicles.

How does Onoff Insurance work?

Onoff Insurance is an On-Demand Motor Insurance product which allows you to upgrade coverage for the time you are actually driving. With Onoff Insurance, you pay a low premium for basic coverage when the car is parked and then comprehensive coverage can be provided for the actual time you’re driving. Every time you are about to drive, spend the Shields in your account and get enhanced cover for one hour time intervals. When you reach your destination, your extended cover will be over, and coverage will automatically revert to the basic cover.

What are "Shields"?

Shields is a currency system in the Onoff Insurance app. You can use Shields to buy your chosen insurance package and On-Demand protection when you actually drive. Top-up your Shields balance anytime using our secure payment system.

How is my premium calculated?

With a calculator... Using standard insurance variables like car value and the package you select.

How much money can I save with Onoff Insurance?

A LOT!!! It really depends on how often you drive. Typically if you drive less than 4 hours a day you could save up to 55% off the standard premium. If you are forced to leave your car at home because of the odd/even traffic restrictions then maybe you could save more!

How much do I need to pay for each claim's deductible?

The amount of deductible or the money you have to pay for each claim will depend on the number of claims that you've made.

Deductible tiers:

  • 1st Claim = IDR 300,000
  • 2nd Claim = IDR 600,000
  • 3rd Claim = IDR 1,000,000
  • 4th Claim = IDR 1,500,000
  • 5th Claim and so on = IDR 2,000,000 (flat)

If no claim is made for 3 months after the Insurance package renewal, the deductible will be lowered by 1 tier, and so on until it's back to the 1st Tier (i.e., 1st Claim)

images-deductible

How to Claim?

Claim Procedure
During the claim procedure, the policyholder has to complete the following claim documents:
1) Partial loss case
  a) Create a report including the accident chronology through the app
  b) Reupload the following documents if the stored/uploaded documents had passed the expiry date:
    i) Driver License of the driver during the accident
    ii) Car Registration (STNK)
    iii) ID card of the application account holder
2) Total loss case
  a) Create a report including the accident chronology through the app.
  b) Give the following original documents to Onoff staff:
    i) Car Registration (STNK), Title (BPKB), purchase invoice, receipt and a signed transfer of property letter
    ii) An accident report from the local police
    iii) A proof that shows that the Car Registration (STNK) has been blocked
  c) Reupload the following documents if the stored/uploaded documents had passed the expiry date:
    i) Driver License of the driver during the accident
    ii) ID card of the application account holder
3) Partial and Total Loss case:
  a) Upload the picture of damage and loss, give information about the estimated repair cost
  b) Submit a local police report if the loss or damage involves the third party or in the case of partial loss because of robbery
  c) Submit a letter of demand from the third party if the damage and loss involve the third party
  d) Submit other relevant documents that are requested for claim settlement

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