8 Surabaya Car Insurance Recommendations and Benefits

For those of you who live in Surabaya, East Java, there are many choices of Surabaya car insurance that you can choose according to your budget and needs. You can choose All Risk or TLO car insurance in Surabaya.

Surabaya is one of the largest cities in Indonesia. The development in the capital city of East Java is also getting more active from time to time. The development affected the economic growth in the city.

One of the effects of economic growth in Surabaya is an increase in car sales in that area. Several news reports show that car sales in Surabaya are the highest compared to other cities in East Java or even outside East Java.

To protect your favorite car from the risk of damage to theft, you should immediately choose the best car insurance product. Vehicle insurance can also protect you financially from not cheap repair shop fees.

Type of Coverage

Just like car insurance in general, car insurance offered in Surabaya also has two types of coverage, namely all risk and TLO. All risk insurance or what is known as comprehensive insurance is insurance that covers almost all types of loss or damage, from minor accidents to serious accidents.

Meanwhile, TLO (Total Loss Only) insurance or total loss insurance guarantees losses incurred if the car is lost due to being stolen or damaged with repair costs reaching a minimum of 75 percent of the car price.

The various types of insurance can be expanded with additional insurance that covers risks such as natural disasters or terrorism. Of course, if the risk borne increases, the premium to be paid will be higher.

The premium is the money that the car owner has to pay to the insurance company to get a car insurance product. In general, comprehensive insurance premiums (all risk) are more expensive than TLO insurance premiums.

Recommended Car Insurance Companies in Surabaya, East Java

The following are a number of general insurance companies in Surabaya registered with the Financial Services Authority that offer car insurance products.

1. Astra Insurance

Asuransi Astra has a car insurance product called Asuransi Garda Oto which opened a branch in Surabaya. OTO vehicle insurance products have been around since the 1990s and have offices in Surabaya, namely:

  • Jl. Diponegoro 173-175 Surabaya
  • Phone: 031-5685900
  • Fax: 031-5680500/5673131

Garda Oto Comprehensive Insurance

Coverage Benefits:

  • Protection against fire
  • Protection against collisions or collisions with cars or other vehicles
  • Slip on the road
  • stumble
  • The evil deeds of irresponsible people
  • Lost due to theft
  • Loss due to robbery or violent plunder

Garda Oto Insurance Total Loss Only

Coverage Benefits:

  • Protection if the car is in an accident with damage equal to or more than 75% or cannot be reused
  • Protection if the car is lost due to theft
  • Protection if the car is lost due to robbery or violent robbery on the road

2. Adira Insurance

Adira Insurance has a car insurance product called Adira Autocillin Insurance. Adira Autocillin Insurance has an office in Surabaya at the address:

  • Jalan Jemur Sari Number 78 Surabaya
  • Phone: 031-8473489
  • Fax: 031-8473412

Comprehensive Insurance (All Risk)

Coverage Benefits:

  • Provide compensation in the form of partial or complete repair of the vehicle.
  • Compensation for collision, impact, overturning, slipping, falling, bad deeds, theft, fire, traffic accidents.
  • 3rd party legal liability.
  • Riots and natural disasters.
  • Personal accident for driver and passenger.
  • Hurricanes, floods, storms, hail and landslides.
  • Earthquakes, tsunamis and volcanic eruptions.
  • Authorized workshop facilities/ATPM (Bengkel Partner Sole Agent Brand Holder).

Total Loss Only (TLO) Insurance

Coverage Benefits:

  • Protection if the car is in an accident with damage equal to or more than 75% or cannot be reused.
  • Protection if the car is lost due to theft.
  • Protection if the car is lost due to robbery or violent robbery on the road.

3. ACA Insurance

Another insurance company that also has a branch office in Surabaya is ACA Insurance. Asuransi ACA has two branch offices in Surabaya, including:

Branch Office 1

  • Veterans Street No. 7 & 7A Surabaya
  • Phone: 031-3522418, 3534390, 3523089
  • Fax: 031-353427,3570505
  • E-mail: acasby@aca.co.id

Branch Office 2

  • Jalan Mayjend. Sungkono No. 243-B Surabaya
  • Phone: 031-99532138
  • Fax: 031-99532263
  • E-mail: acasby2@aca.co.id

ACA Automate

Coverage Benefits:

  • New for old benefits or new replacements for cars that are less than or equal to 6 months old for the risk of loss or total loss.
  • Legal liability guarantee benefits to third parties of up to IDR 50 million.
  • Insurance benefits for car losses due to riots, riots, terrorism, and sabotage.
  • Insurance benefits for car losses due to floods, riots, floods, hurricanes, and earthquakes are up to 10 percent of the Sum Assured (UP).
  • Personal accident insurance benefits for a maximum of 5 people up to IDR 10 million.
  • Ambulance service benefits if the insured has an accident that causes a loss of life of up to IDR 1 million per incident.
  • The benefit of providing a replacement car is a maximum of 5×24 hours.
  • Benefits of car pick-up and drop-off facilities when the car is before and has been repaired.
  • Benefits of facilities to help customers deal with emergencies or vehicle damage

4. MAG Insurance

Another insurance company that offers car insurance products is MAG Insurance. This insurance company has a product called Magna Mobil. The company has two branch offices in Surabaya with the addresses:

Darmo Branch Office

  • Panin Bank Building
  • Jalan Raya Darmo Number 139 Surabaya
  • Phone: 031-5678434, 567 8436
  • Fax: 031-5678458
  • E-mail: sby@mag.co.id

Gubeng Cabang Branch Office

  • Jalan Raya Gubeng 32F Surabaya
  • Phone: 031-9944 3449
  • Fax: 031- 9944 3450
  • E-mail: sby2@mag.co.id

MAG All Risk (Comprehensive) Car Insurance

Coverage Benefits:

  • Coverage benefits for car repair costs for any amount of damage due to collision, impact, overturning, and slipping
  • Benefits of protection from theft
  • Benefits of protection from fire and lightning
  • Flood and hurricane coverage expansion options
  • Option to extend tsunami, earthquake and volcanic eruption coverage
  • Option to expand coverage for riots, riots, terrorism and sabotage
  • Third party liability warranty extension options
  • Option to extend vehicle driver’s personal accident insurance

MAG Total Loss Only (TLO) Car Insurance

Coverage Benefits:

  • The car repair cost coverage benefit is only for total damage of more than 75% due to collision, impact, overturning, and slipping
  • Benefits of protection from theft
  • Benefits of fire and lightning protection
  • Flood and hurricane coverage expansion options
  • Option to extend tsunami, earthquake and volcanic eruption coverage
  • Option to expand coverage for riots, riots, terrorism and sabotage
  • Third party liability warranty extension options
  • Option to extend vehicle driver’s personal accident insurance

5. Mercury Insurance

A general insurance company that also offers car insurance products in Surabaya is Asuransi Raksa Pratikara. The insurance company, which was founded in 1975, has a branch office in Surabaya with the address:

  • Jalan Kusuma Bangsa Number 36 Surabaya
  • Phone: 031-5329551
  • Fax: 031-5329552
  • E-mail: surabaya@araksa.com
  • WhatsApp: 085236357552

Raksa Autocare Insurance

Coverage Benefits:

Affordable premium options ranging from Total Loss Only to All Risk according to customer needs
Option to extend coverage due to natural disasters and riots
The coverage fee is 75% for TLO.

6. MNC Insurance

MNC Insurance has four-wheeled motor vehicle insurance under the name MNC Total Care. MNC Insurance branch office address in Surabaya at:

  • Indonesia Stock Exchange Building 3rd Floor
  • Jalan Taman Ade Irma Suryani Number 21 Surabaya
  • Phone: 031-9920 5700

MNC Total Care

Coverage Benefits:

  • New for old benefits or replacement of new cars that experience a total loss accident for the first 8 months of coverage
  • Guaranteed compensation of up to IDR 2 million for damage or loss of personal items during an accident
  • 0.5% tow fee coverage for the Jabodetabek area if the car breaks down
  • Coverage for ambulance costs is a maximum of IDR 300 thousand per incident outside Jabodetabek
  • Call center service available 24 hours

7. Ramayana Insurance

Asuransi Ramayana has car insurance products with all risk (comprehensive) and TLO coverage types. The address of this company’s branch office in Surabaya, among others:

  • Jalan Raya Darmo Number 88 Surabaya
  • Phone: 031-99002600 (Hunting)
  • Fax: 031-99002664, 99002665

Ramayana car insurance

  • Free tow truck service, Emergency Road Assistance (ERA)
  • Compensation for loss due to damage/loss due to collision, impact, overturning, slipping, or falling, theft, fire, flood
  • Compensation for the cost of losses for the destruction of all or part of a motor vehicle on the orders of the competent authority in an effort to prevent the spread of fire
  • Damage/losses that occur while on board the ferry under the supervision of the Directorate General of Land Transportation
  • Policy exclusion with additional premium
  • Third party legal liability
  • Compensation for driver and passenger accidents.

8. Tania Services Insurance

Another insurance company that offers car insurance products is Asuransi Jasa Tania. This general insurance company has a car insurance product called JT Oto Mobil. Address of this company’s branch office in Surabaya:

  • Jalan Diponegoro Number 45 Surabaya 60241
  • Phone 031-5676002, 5671223
  • Fax: 031-5677645
  • Email: surabaya@jastan.co.id

Please note that some insurance companies do not open branch offices in all major cities in Indonesia.

Therefore, we need to visit the nearest cities that have branch offices to be able to buy car insurance.

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