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Vehicle Insurance

Risk protection for vehicle

Why Should You Have Auto Insurance?

Affordable Premium

Premiums start from IDR700 thousand/year

Easy and Fast Process

No survey for new Motorized Vehicles

Easy Claims

Process online & cooperate with 489 authorized workshops

Vehicle Insurance

Important Information Fees Get the Product Benefits

Important Information

Product Benefits

  1. Principal Guarantee
    • Comprehensive: Compensation for total and partial damage
    • Total Loss Only: Compensation for total damage where the loss is more than 75% of the vehicle price
  2. Expansion Guarantee
    • Hurricanes, Storms, Hail, Floods, Landslides
    • Earthquake, Volcanic Eruption, Tsunami
    • Strikes, Riots, Riots
    • Terrorism and Sabotage
    • Third Party Legal Responsibility

Risk and Exceptions

Insurance products contain risks, including but not limited to credit risk and policy cancellation risk

This insurance does not cover loss, damage or costs to motorized vehicles caused by unlawful acts, misuse of vehicle functions or intentional acts.

Terms and Conditions

Comprehensive : Maximum age of new vehicles: 5 years
Total Loss Only: Maximum age of new vehicle: 15 years


Complete product information can be seen via the brochure


BCA and BCAinsurance are licensed and supervised by the Financial Services Authority and Bank Indonesia
This insurance product is an insurance product of PT BCA General Insurance (BCAinsurance) and is not a BCA product. BCA is not responsible for these insurance products
In full


Insurance Fees



Insurance Fee

The premium depends on the amount of sum insured

Endorsement Administration Fee 

Charged if there is a change in Insured Object Value, Occupation, and Guarantee

Administration Fees

Type of Premium (Rp)

Administration Fees (Rp)

 < Rp 5,000,000


 ≥Rp 5,000,000


Personal Risk Fees


Personal Risk 



Total Loss Only


Typhoon, Hurricane, Hail, Flood, and Landslide

10% of the minimum claim of Rp500,000

Earthquake, Volcano Eruption, and Tsunami

10% of the minimum claim of Rp500,000

Riots, Strikes, and Civil Commotion 

10% of the minimum claim of Rp500,000

Terrorist Act and Acts of Sabotage

10% of the minimum claim of Rp500,000

Personal Accident


Legal Responsibility


Get the Product

BCA Insurance Sales
Visit the nearest BCA branch office
See Location

How many times do I have to make insurance premium payments?

For this Motor Vehicle Insurance, you only make a premium payment once for a coverage period of 1 year and can be extended

If a claim occurs, what should I do?

You must immediately notify the Insurer (BCAinsurance) in writing or orally via Halo BCA (1500888) no later than 5 calendar days from the date of the incident

How much insurance do I have to pay if I want to buy Motor Vehicle Insurance?

The premium paid will depend on the market price of the vehicle, the license plate number and the year of production of the car you want to insure using the lower limit rate set by the OJK