Residential Property Insurance

Premium Rates will vary between Insurance companies and will be dependant on a number of factors including the use or occupation of the property, its location, the standard of construction and the materials used in its construction. For example, Traditional Balinese ‘Alang-Alang’ (Thatch) and ‘Sirap’ (Ironwood) roof structures can be covered with the premium rated accordingly.

A choice of cover is available:

Standard Fire Policy: The basic coverage against loss that occurs as a result of Fire or Fire caused by Lightning, an explosion (e.g. gas canister or water boiler), impact of falling aircraft (or parts thereof) and smoke damage.

Fire and Perils: The basic coverage above plus extended Perils or disasters including; Windstorm and Tempest, Flood and Water damage, Typhoon, Riots, Strikes and Malicious Damage (Vandalism) Civil Commotion.

All Risks: The above plus accidental self damage to the property (e.g. part of the building collapses on itself). Also includes cover for Theft and Burglary of the household contents.

Earthquake and Volcanic Eruption: Issued as a separate policy to each of the above.

Personal Possessions Insurance

A property all risk policy will cover you against theft or burglary of general household contents such as furniture and kitchen appliances. However, if you own a number of ‘moveable items’ such as laptop computers, video cameras or watches for example, these may be excluded from the policy or carry such a high deductible that if any one item is stolen a claim cannot be made. Householders (or tenants without property insurance) should consider the purchase of a specific policy designed to cover such valuable items.

Motor Vehicle

Motor Vehicle Insurance in Indonesia is offered in two types, Comprehensive and TLO (Total Loss Only). The first one covers all Risks of loss or damage to your car (e.g. accidents, malicious damage, Riots and so on) while the second one is for loss or damage greater than 75%. Should you have to pay damages you have caused while driving, you can claim Third Party Liability which is also included. Deductibles and Co-Insurance will apply but may be raised or lowered to suit the client.

The auto Insurance market is highly competitive and there are a number of discounted ‘packages’ available dependant on the age of the car and its value. Packages will often include additional coverage, such as personal injury compensation to the driver and passengers. In most cases we are able to quote over the phone so if you would like an instant response call us now on 0361 764488

Personal Legal Liability

Personal Liability facilitates in those cases where you have negligently caused damage to another person's property or to themselves. Financial compensation, which is usually the result, can be an unexpected burden. This insurance covers the financial compensation you would have to pay if you accidentally and without intention cause damage to another person. The sum insured also includes legal fees should these arise for you. Coverage can be either within Indonesia or Worldwide.

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If you would like further detailed information or for us to call you to discuss the options please

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