All Risk vs TLO Car Insurance: Which One Is Right for You?
A practical guide to choosing between Comprehensive and Total Loss Only cover — based on your vehicle's value, age, and how you use it.
When purchasing car insurance in Indonesia, the question that comes up most often is: "Should I go with All Risk or TLO?" Both have their place — and choosing the wrong one can mean either paying for cover you don't need or being underprotected when it matters most. This article walks you through both options clearly so you can make the right call for your situation.
All Risk (Comprehensive)
Covers all physical damage to your vehicle — minor, moderate, or severe — unless explicitly excluded in the policy wording.
- Minor damage (scratches, dents, cracked windscreen)
- Moderate damage from collisions
- Total loss from a serious accident
- Theft (vehicle stolen)
- Vehicle fire
TLO (Total Loss Only)
Covers your vehicle only if it is written off (damage exceeding 75% of value) or stolen.
- Theft (vehicle stolen)
- Damage where repair cost exceeds 75% of market value
- Scratches and minor dents
- Glass damage
- Accident damage below 75% of value
Side-by-Side Comparison: All Risk vs TLO
| Aspect | All Risk | TLO |
|---|---|---|
| Minor damage | Covered | Not covered |
| Total loss | Covered | Covered |
| Theft | Covered | Covered |
| Premium rate | Higher (1.5–3.5%) | Lower (0.2–0.7%) |
| Best suited for | New or high-value cars | Older or lower-value cars |
When Should You Choose Which?
Choose All Risk if…
- Your vehicle is new or valued above Rp 200 million
- It's under a financing agreement (KKB) — most banks require All Risk throughout the loan
- You drive frequently in busy urban areas with realistic daily accident/parking risk
- You want complete peace of mind regardless of damage type
Choose TLO if…
- Your vehicle is more than 7–10 years old
- Its current market value is relatively low (below Rp 150 million)
- You have a limited budget and want minimal premiums
- The vehicle is used occasionally or for specific purposes only
Recommendation by Vehicle Value
All Risk is strongly recommended
All Risk is recommended; TLO if budget is a constraint
TLO is generally sufficient
All Risk is mandatory for the duration of the loan
Calculate Your Car Insurance Premium Now
Use our premium calculator to get an instant estimate for both All Risk and TLO cover, based on the latest OJK official rate tables for Batam.
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