The Car Insurance Agreement serves as the primary contractual document between an insurance provider and a policyholder in Indonesia, establishing the terms and conditions for motor vehicle insurance coverage. This document is essential for any individual or organization seeking to insure a vehicle in compliance with Indonesian law, particularly Law No. 40 of 2014 on Insurance and relevant OJK regulations. The agreement comprehensively outlines coverage scope, premium calculations, claims procedures, policyholder obligations, and insurer responsibilities. It includes specific provisions for risk assessment, coverage limitations, and claim settlement processes, while ensuring compliance with local insurance regulations and consumer protection laws. This document is typically required for vehicle registration, financing arrangements, and general risk management purposes in Indonesia.
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1. Parties: Identification of the insurance company and the policyholder
2. Background: Context of the agreement and brief description of the insurance relationship
3. Definitions: Definitions of key terms used throughout the agreement
4. Scope of Coverage: Details of what risks and damages are covered by the insurance
5. Premium Payment Terms: Premium amount, payment schedule, and payment methods
6. Duration and Renewal: Policy period, renewal terms, and conditions for continuation
7. Claims Procedure: Process for filing claims, required documentation, and timelines
8. Exclusions: Specific situations and circumstances not covered by the insurance
9. Obligations of the Insured: Policyholder's responsibilities including vehicle maintenance and incident reporting
10. Obligations of the Insurer: Insurance company's responsibilities regarding claims processing and payment
11. Termination: Conditions and procedures for terminating the insurance policy
12. Dispute Resolution: Procedures for handling disputes between parties
13. Governing Law: Specification of Indonesian law as governing law and relevant jurisdictions
14. Notices: Methods and addresses for official communications between parties
1. No Claims Bonus: Terms for reward system for claim-free periods - include when offering this benefit
2. Additional Drivers: Terms for including other drivers - include when multiple drivers are permitted
3. International Coverage: Terms for coverage outside Indonesia - include when offering international coverage
4. Installment Payment Plan: Terms for paying premiums in installments - include when offering payment plans
5. Roadside Assistance: Terms of emergency assistance services - include when offering this service
6. Replacement Vehicle: Terms for temporary replacement vehicle - include when offering this benefit
7. Workshop Selection: Terms regarding choice of repair workshops - include when offering workshop flexibility
1. Schedule 1 - Vehicle Details: Detailed information about the insured vehicle including make, model, year, and registration
2. Schedule 2 - Premium Calculation: Detailed breakdown of premium calculation including factors and adjustments
3. Schedule 3 - Coverage Limits: Specific monetary limits for different types of coverage and deductibles
4. Schedule 4 - Approved Workshops: List of approved repair workshops and their contact details
5. Appendix A - Claims Form: Standard form for submitting insurance claims
6. Appendix B - Vehicle Inspection Report: Initial vehicle condition report and inspection details
7. Appendix C - Product Disclosure Statement: Detailed explanation of policy features, benefits, and exclusions as required by OJK regulations
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