Claims

Q: How do I file a motor insurance claim?

A: You can view the motor insurance claim procedure at: https://www.msig.co.id/claims/personal-insurance/motor

Q: Where can I find information about MSIG Indonesia’s authorized workshops?

A: Please check: https://www.msig.co.id/workshop-list

Q: What documents are required to file a motor insurance claim?

A: Please refer to: https://www.msig.co.id/claims/personal-insurance/motor

Q: What is MSIG Indonesia’s Call Center number?

A: 1500 674

Q: How much towing cost is covered by the Standard Indonesian Motor Vehicle Insurance Policy?

A: According to the Standard Indonesian Motor Vehicle Insurance Policy (PSAKBI) ARTICLE 18 – SALVAGE COSTS, reasonable costs incurred by the Insured in the event of loss and/or damage due to a covered risk, for guarding, transporting, or towing the vehicle to a workshop or another place to avoid or minimize the loss and/or damage, will be reimbursed. The compensation is up to 0.5% (half percent) of the insured value of the vehicle. This compensation is not subject to deductible (Own Risk).

Q: What risks are covered under the Standard Indonesian Motor Vehicle Insurance Policy?

A: As stated in the Standard Indonesian Motor Vehicle Insurance Policy, CHAPTER I – COVERAGE, ARTICLE 1 – COVERED RISKS, this insurance only covers:
1. Loss and/or damage to the insured motor vehicle and/or insured interest directly caused by:
1.1. Collision, impact, overturning, skidding, or falling;
1.2. Malicious acts;
1.3. Theft, including theft preceded, accompanied, or followed by violence or threats of violence as defined in Articles 362, 363 paragraphs (3), (4), (5), and Article 365 of the Indonesian Penal Code;
1.4. Fire, including:
1.4.1. Fire caused by burning of nearby objects or the storage place of the vehicle;
1.4.2. Fire caused by lightning strikes;
1.4.3. Damage caused by water and/or other tools used to prevent or extinguish fire;
1.4.4. Destruction of all or part of the vehicle by order of the authorities in an effort to prevent the spread of fire. 

2. Loss and/or damage caused by the events mentioned in paragraph (1) of this Article while the insured vehicle is on a ferry operating under the supervision of the Directorate General of Land Transportation, including loss and/or damage if the ferry is involved in an accident.

Q: How long do I have to report a claim to the insurer?

A: According to the Standard Indonesian Motor Vehicle Insurance Policy, ARTICLE 11 – INSURED’S OBLIGATION IN THE EVENT OF LOSS AND/OR DAMAGE:
1. The Insured, upon knowing or reasonably should have known of the loss and/or damage to the insured vehicle and/or insured interest, must:
1.1. Notify the Insurer in writing, or verbally followed by written notification, no later than 5 (five) calendar days from the date of the loss and/or damage.

Q: When is a police report required as part of the claim documents?

A: According to the Standard Indonesian Motor Vehicle Insurance Policy, ARTICLE 14 – CLAIM SUPPORTING DOCUMENTS
III.2: A police report from the local authorities is required if the loss and/or damage involves a third party or in case of partial theft.