About Advantage Benefits Information Insurance Premium Claim Procedure

Automobile Insurance (Asuransi Kendaraan Bermotor)

Automobile Insurance is an insurance product that provides protection for you and your vehicle from various risks while driving.

Advantages of Automobile Insurance (Asuransi Kendaraan Bermotor)

Choice of comprehensive insurance package or Total Loss Only (TLO).
Covers theft by personal drivers and valet
Additional benefit of 24 hours emergency roadside assistance
Sum Insured of the vehicle is determined based on agreed value basis between the customer and the insurer.

Benefits of Automobile Insurance (Asuransi Kendaraan Bermotor)

Benefit of indemnity guarantee against risk

Partial loss or total loss (Comprehensive)
Total loss only (TLO)
Partial losses, total losses, riots, strikes, civil commotions, terrorism and sabotage as well as natural disasters such as flood or earthquake (Comprehensive + RSCCTS + Flood + EQ )
Total losses only, riots, strikes, riots, terrorism and sabotage as well as natural disasters (TLO+ RSCCTS + Flood + EQ )
Third party legal liability;
Personal accident coverage for both driver and passengers;
Coverage for medical expenses;
Provide additional service features such as emergency services (emergency road assistance), use of authorized workshops, and usage of special workshops with non-standard service rates or other additional features.

Things You Need to Know

Insurance Rates

Insurance premium rates are determined based on the region of the vehicle’s registration plate as well as its type. You may visit the nearest Maybank branch to acquire insurance quotation.

Region I	Sumatera and its surrounding areas
Region II	DKI Jakarta, West Java and Banten
Region III	All regions outside Region I & II

Comprehensive

Category	Region 1	Region 2	Region 3
Non Bus, Non Truck, and Non Pick Up	1.05% - 4.2%	1.05% - 3.59%	1.05% - 2.78%
Bus	1.04% - 1.14%	1.04% - 1.14%	0.88% - 0.97%
Trucks and Pick Ups	2.42% - 2.67%	2.39% - 2.63%	2.23% - 2.46%
Two-wheeled Motor Vehicles	3.18% - 3.50%	3.18% - 3.50%	3.18% - 3.50%

Total Loss Only (TLO)

Category	Region 1	Region 2	Region 3
Non Bus, Non Truck, and Non Pick Up	0.20% - 0.69%	0.20% - 0.78%	0.20% - 0.56%
Bus	0.23% - 0.29%	0.23% - 0.29%	0.18% - 0.22%
Trucks and Pick Ups	0.88% - 1.07%	1.68% - 2.02%	0.81% - 0.98%
Two-wheeled Motor Vehicles	1.76% - 2.11%	1.80% - 2.16%	0.67% - 0.80%

Insurance Premium

Premium Rates for Motor Vehicle Insurance Extensions

No	Coverage	Minimum Premium Rates		Deductibles/Own Risks
		Comprehensive	Total Loss	Comprehensive	Total Loss
1	Flood including Hurricane	0.075% - 0.125%	0.05% - 0.1%	10% of the claim value agreed by the Insurer, minimum of IDR500,000 per incident
2	Earthquake, Tsunami	0.075% - 0.135%	0.05% - 0.11%
3	Strikes, Riots, and Civil Commotions (SRCC)	0.05%	0.035%
4	Terrorism and Sabotage	0.05%	0.035%
5	Third Party Legal Liability/TPL (Passenger Vehicles and Motorcycles)	Will be calculated progressively based on the following: Sum Insured up to IDR25 million : 1% from Sum Insured Sum Insured > IDR25 million up to IDR50 million: 0.5% from Sum Insured Sum Insured > IDR50 million up to IDR100 million: 0.25% from Sum Insured Sum Insured > IDR100 million: determined by the underwriter
	Third Party Legal Liability/TPL (Commercial Vehicles, Trucks and Buses)	Will be calculated progressively based on the following: Sum Insured up to IDR25 million : 1.50% from Sum Insured Sum Insured > IDR25 million up to IDR50 million: 0.75% from Sum Insured Sum Insured > IDR50 million up to IDR100 million: 0.375% from Sum Insured Sum Insured > IDR100 million: determined by the underwriter
No	Coverage	Minimum Premium Rates		Deductibles/Own Risks
		Comprehensive	Total Loss	Comprehensive	Total Loss
6	Personal accident for passengers	For Drivers: 0.50% of the personal accident sum insured. For Passengers : 0.10% of the personal accident sum insured for each seats
7	Passengers Legal Liability/PLL	Will be calculated progressively based on the following: Sum Insured up to IDR25 million : 0.50% from Sum Insured Sum Insured > IDR25 million up to IDR50 million: 0.25% from Sum Insured Sum Insured > IDR50 million up to IDR100 million: 0.125% from Sum Insured Sum Insured > IDR100 million: determined by the underwriter

Premium Illustration

Simulation of Premium Calculation
Vehicle	Toyota Avanza G (2017) with Jakarta Registration Plate (prefix B)
Sum Insured	IDR200,000,000
Period	1 Year
Coverage	Comprehensive + RSCCTS + TPL IDR10,000,000
Premium Calcutalion
Comprehensive Rate	2.67% x IDR200,000,000,- = IDR5,340,000
Riot and Riot Tariffs (RSCCTS)	0.10% x IDR200,000,000,- = IDR200,000
Third Party Legal Liability/TPL (IDR 10 Million Sum Insured)	1% x IDR10 million = IDR100.000
TOTAL	IDR5,640,000

How to Register & Claim Procedure

How to Register

You may visit the nearest Maybank branch office for registration.
Additional documents that must be included for the registration process are as follows:

A copy of ID Card
A copy of vehicle’s registration certificate (STNK) or vehicle purchase invoice (Faktur)
Photos of the vehicle to be insured

Claim Procedure

Contact Allianz Care at 1500136, or by email at cs@allianz.co.id
Please ensure claim notifications are made within a maximum period of 5 (five) calendar days after the date of risk occurrence.

Disclaimer

Automobile Insurance (Asuransi Kendaraan Bermotor) is an insurance product issued by PT Asuransi Allianz Utama Indonesia. PT Bank Maybank Indonesia Tbk (“Bank”) only acts as a reference provider for Automobile Insurance (Asuransi Kendaraan Bermotor).
Automobile Insurance (Asuransi Kendaraan Bermotor) is not a product of the Bank and therefore the Bank will not be liable for any and all claims as well as any risks that arise from the products issued by PT Asuransi Allianz Utama Indonesia.
PT Asuransi Allianz Utama Indonesia is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan) and its Sales Staff are licensed by the General Insurance Association of Indonesia (Asosiasi Asuransi Umum Indonesia)
PT Bank Maybank Indonesia, Tbk is licensed and supervised by OJK & Bank Indonesia.

Automobile Insurance (Asuransi Kendaraan Bermotor)

Advantages of Automobile Insurance (Asuransi Kendaraan Bermotor)

Benefits of Automobile Insurance (Asuransi Kendaraan Bermotor)

Things You Need to Know

Insurance Premium

Premium Illustration

How to Register & Claim Procedure

Product Summary Information

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