Toyota Insurance

Toyota Insurance

Product Description

Product Description – front page

Toyota Insurance is managed by MSIG, specially created for Toyota Cars by Toyota Astra Motor and provided by MSIG Indonesia. It covers motor vehicles against loss or damages with special features.

Key Features

  • Repair at Authorised Workshop
  • Guaranteed use of genuine Toyota parts
  • Total Loss Only (TLO) for the first year is 50% of the Sum Insured

Plan Highlights

  1. Toyota Insurance's special features include repair at any authorised workshop, with genuine parts guarantee and repair result warranty of up to 1 year, and Emergency Road Assistance.
  2. TLO for first year 50% of Sum Insured, and automatically bundled with Hurricane, Storm, Hail, Flood, Landslide, RCSS and Earthquake coverage.
Text

Plan details

Coverage

Basic Coverage

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

Hull Damage
Comprehensive Policy covers total or partial loss of or damage to the motor vehicle due to the risks stated above.

Car with Sum Insured above IDR 200 million is required to have additional coverage.

Total Loss Only (TLO)
Only covers:

  1. Loss or damage, of which repair cost be equal or more than 75% of the actual value of the Motor Vehicle or
  2. Loss by theft and not found within 60 (sixty) days.

The TLO package is automatically bundled with coverage* of the following:

  • Hurricane, Storm, Hail, Flood, Landslide.
  • Riots, Civil Commotions, Strikes, Barriers to Work, Charges, Rebellion, Revolution.
  • Earthquake, Tsunami or Volcanic Eruption.

*Coverage within Indonesia territory.


Special Features

  1. Repair at Authorised Workshop
  2. Guarantee using genuine Toyota parts
  3. Repair result warranty of up to one year.
  4. Interisland Risk
  5. Total Loss Only (TLO) for the first year is 50% of the Sum Insured
  6. Emergency Road Assistance (ERA) Service
  1. Towing Service: 
    • Emergency service: this additional service can be provided even if there is no loss to the Motor Vehicle
    • Accident service: this additional service can be provided in the event of loss of and or damage to the Motor Vehicle
  2. Replacement of Tyre Leaking on the spot: the mechanic will replace the leaked tyre with the insured spare tyre.
  3. Repair of car battery on the spot: the mechanic will overcome the interference of the car battery.
  4. Emergency fuel assistance: the mechanic will provide a maximum of 5 (five) litres of fuel as an emergency measure to reach the nearest gas station.

 
Additional Coverage

  1. Hurricane, Storm, Hail, Flood, Landslide
  2. Riots, Civil Commotions, Strikes, Barriers to Work, Charges, Rebellion, Revolution
  3. Earthquake, tsunami or volcanic eruption
  4. Third Party Liability

Optional Coverage

  1. Terrorism and Sabotage
  2. Personal Accident for Driver
  3. Personal Accident for Passenger
Exclusions
  1. Loss or damage caused by embezzlement, fraud, hypnosis and such kind.
  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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