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Frequently Asked Questions

Some answers to our most common questions are below

Is this for real?

Onoff Insurance has been officially registered by OJK with Number S-2142/NB.111/2020

Who can use Onoff Insurance?

Anyone with a valid car driver's licence, who is at least 21 years old in accordance with the provisions of the Standard Indonesian Motor Vehicle Insurance Policy (PSAKBI)

What are the benefits of using Onoff Insurance?

For those who rarely use your car because of the odd-even rules or perhaps prefer to use public transportation thus resulting in your car being parked or garaged most of the time, you will get the maximum benefit. For users who frequently use cars, don't worry because you won't pay a higher premium than other conventional insurance policies because of the maximum rate set by the OJK.

How does Onoff Insurance work?

With Onoff Insurance, you only need to pay when actually driving your car by activating Comprehensive (On-Demand) protection. You can enjoy On-Demand protection after you buy basic protection (Total Loss Only or TLO for short). Basic protection (TLO) will cover you against certain risks that occur when your car is completely destroyed or stolen while not in use / parked. Of course all the coverage you receive must be in accordance with the provisions of the Standard Indonesian Motor Vehicle Insurance Policy (PSAKBI).

What coverage do you offer?

We offer two types of TLO coverage; a Basic package which is the most economic and the Premium package that also provides extended coverage for riot, strike, malicious damage, terrorism and Acts of God. Remember though, Indonesia lies on the Ring of Fire that makes it prone to earthquakes and in addition Jakarta is susceptible to flooding.


Whichever TLO package you select will determine your On-Demand protection. For example:

1. You will get basic On-Demand protection if you buy the Basic TLO package

2. If you buy the Premium TLO package, you will get premium On-Demand protection.

Does my car need to be surveyed?

No need. With Onoff Insurance you only need to take photos of the vehicle through the Application.

How do I pay the premium?

Onoff Insurance uses "Shields" as the currency for purchasing your insurance

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 through bank transfer or credit card.

How is my premium calculated?

With a calculator... Using standard insurance variables such as the age of the car, its value, coverage period and the package you select and referring to the provisions of the Standard Indonesian Motor Vehicle Insurance Policy (PSAKBI)

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!

Onoff Insurance seems ok, but I already have another car insurance

Other insurance policies should include an option to cancel mid-term (unless you have made a claim). Following cancellation, you should receive the prorated portion of the unused premium. We will assist you through this process if you prefer it. Simply drop us a message.

Can I access authorized workshops with Onoff Insurance?

Repairs at manufacturers' authorized workshops are not available. However, Onoff Insurance's trusted partner workshops maintain quality of service by using original spare parts but at a cheaper price.

What if I want to cancel my insurance?

We always try to provide the best protection for your car. However, if you decide to discontinue using Onoff Insurance, you only need to contact our Customer Service to cancel your policy

I have more than one car

We suspect you are currently paying a full annual premium for all cars, even though you can only drive one at a time. We don’t think that’s very economical and we think Onoff Insurance can be the perfect solution for your situation and can save you a lot of hard-earned money.

I have a driver who drives my car

For the time being, Onoff Insurance can only be used by the person who drives the car.

Where is Onoff Insurance available?

For the time being, Onoff Insurance is only available in Jabodetabek. We hope to expand this to the rest of the country before long.

How to Purchase Onoff Insurance?

Onoff Insurance Buying Procedure

  1. The applicant can fill Onoff Insurance application form in the app.
  2. PT Asuransi Artarindo will carry out underwriting and premium calculation based on the information that the applicant give through the Onoff Insurance app
  3. The result of premium calculation along with approved benefits and conditions will be delivered to Onoff Insurance and forwarded to the applicant.
  4. If the applicant agrees with the offer, then the applicant can submit the request to buy Onoff Insurance package through the app by completing data and information following SPPA (Surat Permohonan Penutupan Asuransi) and upload other supporting documents
  5. PT Asuransi Artarindo will issue the insurance policy and give the detailed premium invoice based on 4 points above. The information will be delivered to the applicants.





Where can I find the information about Onoff Insurance product summary?

You can get the detailed information about Onoff Insurance Product Summary in the following link Product Information Summary (PDF) Products Information Summary (INA)

Am I entitled to compensation if my car is flooded when my policy protection is only TLO (not Comprehensive / On-Demand)?

Of course! As long as you have selected the Premium Package and the value of your claim is included in the definition of Total Loss / Constructive Total Loss. This also applies to other risks besides flooding, namely earthquake, volcanic eruption, riots, strikes, terrorism and sabotage.

What is Total Loss (Constructive Total Loss)?

According to the provisions of the Standard Indonesian Motor Vehicle Insurance Policy, your vehicle can be said to have suffered a Total Loss when the loss / damage to the vehicle is equal to or greater than 75% of the market value of the vehicle. If the vehicle is stolen and cannot be found within 60 days of the theft payment will be made after 60 days. Actual value shall mean the value of the Motor Vehicle’s sales amount that may be obtained the same brand, type, model and manufacturing year as stated in the Policy in the free market immediately prior to occurrence of loss and/or damage

What is Partial Loss?

All other losses that are not included in the definition of Total Loss / Constructive Total Loss

Is there a maximum market value of a car that can be insured with Onoff Insurance?

For the time being, Onoff Insurance can only be used to insure cars with a maximum market value of IDR 800,000,000

Is there a maximum age of a car that can be insured with Onoff Insurance?

For the time being, Onoff Insurance can only be used to insure a car with a maximum age of 8 years.

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

The amount of money you need to pay for a claim before we pay the rest of your loss starts from IDR 500,000 per incident.

1. The amount of deductible is progressive. If you claim more than once a year, the deductible increases as follow:
  A. 1st Incident = 10% of the claim with a minimum of IDR 500,000 per incident
  B. 2nd Incident = 10% of the claim with a minimum of IDR 750,000 per incident
  C. 3rd Incident = 10% of the claim with a minimum of IDR 1,000,000 per incident
  D. 4th Incident = 10% of the claim with a minimum of IDR 1,500,000 per incident
  E. 5th Incident = 10% of the claim with a minimum of IDR 2,000,000 per incident
2. The deductible applies in all risk causes for all events covered by the insurance policy issued.
3. The lower deductible level is applied if you have not filed any claim for more than 90 days since the date of the last claim.
4. Deductible Level A is the lowest deductible amount applied under the Onoff Insurance policy.
5. Deductible Level E is the highest deductible amount applied under the Onoff Insurance policy.
6. The Deductible Tiers are applicable on Total-Loss-Only/TLO and Partial-Loss claims as depicted above.

images-deductible

How to Claim?

We constantly update our partner workshop and you can see the list on this page.

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