Ladies' Car Protection

Ladies' Car Protection

Product Description

Product Description – front page

Covers motor vehicle (car) against loss or damages with additional benefit specially designed for ladies.

Key Features

  • Third Party Liability (TPL) on the Spot
  • Covers the Insured’s possessions in the car such as shoes, bag, eyeglasses, cosmetics, laptop and camera.
  • Protection for Baby Car Seat belongs to the Insured caused by car accidents or peril covered by the policy.

Plan Highlights

  1. Besides the common cover for Automobile insurance, Ladies Car Protection provides automatic coverage of the following: Third Party Liability on the Spot, Personal Possession, Baby Car Seat, Non-standard Accessories and Emergency Road Assistance. This will give peace of mind to lady drivers.
  2. Additional Coverage: Personal Accident for Driver and Passengers, RSCC, Flood, and Repair at Authorised Workshop.

Plan details


Basic Coverage

Comprehensive Policy covers the loss of or damage to the Motor Vehicle by:

  1. Hull Damage
    Comprehensive Policy covers total or partial loss of or damage to the motor vehicle due to the risks stated above.
  2. Third Party Liability
    Indemnity against the financial consequences of his liability at law for all damages caused by or in connection with the motor vehicle belonging to third parties.

Extended Coverage

  1. Third Party Liability (TPL) on the Spot
    The Insured could settle TPL claim on the spot for property damage only, subjected to documents completed.
  2. Personal Possession
    Covers the Insured’s possessions in the car such as shoes, bag, eyeglasses, cosmetics, laptop and camera.
  3. Baby Car Seat
    Covers protection of Baby Car Seat belonging to the Insured, in cases of car accidents or perils.
  4. Non-standard Accessories
    Covers non-standard accessories if not stated in the Policy schedule.
  5. Emergency Road Assistance
    Provides service for the Insured experiencing minor impairment. (Only in Jabodetabek area).

Additional Coverage

  1. Personal Accident for Driver and Passengers
    Provides protection of the Driver and Passengers of the car (body injury, death or medical expense directly caused by car accidents)
  2. Civil Commotion, Terrorism and Sabotage
  3. Storm, Hail, Flood, Landslide
  4. Earthquake, Tsunami and/ or Volcanic Eruption
  5. Car Repair at Authorised Workshop
  1. Loss or damage caused by embezzlement
  2. Loss or damage due to malicious actions committed by:
    • The Insured or his/her child or spouse
    • Any Person acting on behalf of the Insured
    • Any Person working for the Insured
    • Any Person within the knowledge of the Insured
    • Any Person living with the Insured
  3. Loss or damage as a consequence of: 
    • Towing or pushing another motor vehicle, racing purposes, tuition in driving, carnival or parade, or to commit a crime
    • Overloading or driven by force
    • Driving in a damages or technically unsafe condition
    • Being driven by a person not holding a valid driving license (S.I.M) or under the influence of alcohol or any other drugs
    • A nuclear reaction or radiation
  4. Loss or damage directly or indirectly caused by natural disaster or war
  5. Loss or damage to any part or material of motor vehicle due to wear and tear, inherent vice of that part
  6. Other exclusions as defined in the insurance policy


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