Claim Procedure

Required Claim Documents

Select an insurance product to see the documents required for filing a claim.

Document	Partial Vehicle Damage	Loss of Vehicle Parts	Total Vehicle Damage / Fire	Total Vehicle Loss	Third Party Claims
Original Policy & Premium Payment Receipt	–	–	✓	✓	–
Copy of Policy & Premium Payment Receipt	✓	✓	–	–	✓
Completed Claim Form	✓	✓	✓	✓	✓
Original Vehicle Registration (STNK)	–	–	✓	✓	–
Copy of Vehicle Registration (STNK)	✓	✓	–	–	✓
Copy of Driver's License (SIM)	✓	✓	✓	✓	✓
Local Police Report	If Required	If Required	✓	✓	If Required
Blocking Letter from Polda	–	–	–	✓	–
Purchase Invoice / Copy for Owner	–	–	✓	✓	–
Signed Subrogation Letter	–	–	✓	✓	–
Copy of ID Card (KTP), Name Matching STNK	–	–	✓	✓	–
Original Vehicle Ownership Book (BPKB)	–	–	✓	✓	–
3 Blank Signed Receipts, 1 with Stamp Duty Matching STNK Name	–	–	✓	✓	–
Original Vehicle Key	–	–	✓	✓	–
Duplicate Vehicle Key	–	–	✓	✓	–
Settlement Letter & Uninsured Statement, with Stamp Duty	–	–	–	–	✓
Copy of Third Party STNK	–	–	–	–	✓
Copy of Third Party SIM	–	–	–	–	✓
Other Documents (If Required)	If Required	If Required	If Required	If Required	If Required

Document	Death Due to Accident	Death Not Due to Accident	Treatment Due to Accident
Completed Claim Form	✓	✓	✓
Chronological Statement Letter	✓	✓	✓
Original or Legalized Copy of Death Certificate from Hospital / Government	✓	✓	–
Active SIM A / C (If as driver)	✓	–	✓
Copy of STNK	✓	–	✓
Original or Legalized Copy of Accident Report from Local Police (If Death Due to Accident)	✓	–	–
Copy of Insured's KTP	✓	✓	✓
Original or Legalized Copy of Heir Statement & Heir Power of Attorney (If Deceased)	✓	✓	–
Original or Legalized Copy of Medical Resume, Control Card, Lab Results, and Other Documents from Hospital or Clinic	✓	✓	✓
Original Receipts from Doctor, Hospital, Lab, Pharmacy in case of treatment	✓	✓	✓
X-Ray Results / X-Ray Reading (If Bone Fracture)	–	–	✓
Photo of Insured's Tombstone / Grave	✓	✓	–
Other Documents (If Required)	If Required	If Required	If Required

Product	Loss Type	General Documents	Critical Documents
PAR – Building	Fire, flood, earthquake, windstorm, and others	Completed Claim Form Chronological event report from insured Damage photos Building layout Other Documents (If Required)	Repair invoice / BOQ BMKG report (if disaster) Evidence of cause of loss Other Documents (If Required)
PAR – Stock	Stock damage / loss	Completed Claim Form Chronological event report from insured Damage photos Other Documents (If Required)	Stock take Stock card Purchase invoice Stock reconciliation BMKG report (if disaster) Police report (if theft & fire) Other Documents (If Required)
PAR – Content	Damage / loss of building contents (furniture, etc.)	Completed Claim Form Chronological event report from insured Damage photos Asset list Other Documents (If Required)	Original purchase invoice Repair / replacement quotation / invoice BMKG report (if disaster) Police report (if theft & fire) Other Documents (If Required)

PAR – Building

Loss Type: Fire, flood, earthquake, windstorm, and others

General Documents

Completed Claim Form
Chronological event report from insured
Damage photos
Building layout
Other Documents (If Required)

Critical Documents

Repair invoice / BOQ
BMKG report (if disaster)
Evidence of cause of loss
Other Documents (If Required)

PAR – Stock

Loss Type: Stock damage / loss

General Documents

Completed Claim Form
Chronological event report from insured
Damage photos
Other Documents (If Required)

Critical Documents

Stock take
Stock card
Purchase invoice
Stock reconciliation
BMKG report (if disaster)
Police report (if theft & fire)
Other Documents (If Required)

PAR – Content

Loss Type: Damage / loss of building contents (furniture, etc.)

General Documents

Completed Claim Form
Chronological event report from insured
Damage photos
Asset list
Other Documents (If Required)

Critical Documents

Original purchase invoice
Repair / replacement quotation / invoice
BMKG report (if disaster)
Police report (if theft & fire)
Other Documents (If Required)

Product	Loss Type	General Documents	Critical Documents
Marine Cargo	Damage / loss during shipment	Completed Claim Form Chronological event report from insured Damage photos Delivery note Other Documents (If Required)	Bill of Lading Invoice Packing list Survey report Proof of claim to carrier Other Documents (If Required)

Marine Cargo

Loss Type: Damage / loss during shipment

General Documents

Completed Claim Form
Chronological event report from insured
Damage photos
Delivery note
Other Documents (If Required)

Critical Documents

Bill of Lading
Invoice
Packing list
Survey report
Proof of claim to carrier
Other Documents (If Required)

Product	Loss Type	General Documents	Critical Documents
Liability Insurance	Third party injury, third party property damage	Completed Claim Form Chronological event report from insured Claim demand letter to insurer Damage photos Other Documents (If Required)	Third party claim demand Loss evidence (invoice / medical report) Police report (if any) Legal liability evidence Other Documents (If Required)
Fidelity Guarantee	Fraud, embezzlement, employee dishonesty	Completed Claim Form Chronological event report from insured Employee data SOP / internal control Other Documents (If Required)	Audit / investigation report Fraud transaction evidence Confession (if any) Police report Loss calculation Other Documents (If Required)
Machinery Breakdown	Internal mechanical / electrical breakdown	Completed Claim Form Chronological event report from insured Damage photos Machine data Other Documents (If Required)	Detailed technician report Maintenance record Repair invoice Cause-of-damage analysis Other Documents (If Required)
EEI (Electronic Equipment)	Short circuit, overvoltage, human error	Completed Claim Form Chronological event report from insured Damage photos Asset list Other Documents (If Required)	Technician report Purchase invoice Repair quotation / invoice Damage diagnosis result Other Documents (If Required)

Liability Insurance

Loss Type: Third party injury, third party property damage

General Documents

Completed Claim Form
Chronological event report from insured
Claim demand letter to insurer
Damage photos
Other Documents (If Required)

Critical Documents

Third party claim demand
Loss evidence (invoice / medical report)
Police report (if any)
Legal liability evidence
Other Documents (If Required)

Fidelity Guarantee

Loss Type: Fraud, embezzlement, employee dishonesty

General Documents

Completed Claim Form
Chronological event report from insured
Employee data
SOP / internal control
Other Documents (If Required)

Critical Documents

Audit / investigation report
Fraud transaction evidence
Confession (if any)
Police report
Loss calculation
Other Documents (If Required)

Machinery Breakdown

Loss Type: Internal mechanical / electrical breakdown

General Documents

Completed Claim Form
Chronological event report from insured
Damage photos
Machine data
Other Documents (If Required)

Critical Documents

Detailed technician report
Maintenance record
Repair invoice
Cause-of-damage analysis
Other Documents (If Required)

EEI (Electronic Equipment)

Loss Type: Short circuit, overvoltage, human error

General Documents

Completed Claim Form
Chronological event report from insured
Damage photos
Asset list
Other Documents (If Required)

Critical Documents

Technician report
Purchase invoice
Repair quotation / invoice
Damage diagnosis result
Other Documents (If Required)

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Required Claim Documents

PAR – Building

General Documents

Critical Documents

PAR – Stock

General Documents

Critical Documents

PAR – Content

General Documents

Critical Documents

Marine Cargo

General Documents

Critical Documents

Liability Insurance

General Documents

Critical Documents

Fidelity Guarantee

General Documents

Critical Documents

Machinery Breakdown

General Documents

Critical Documents

EEI (Electronic Equipment)

General Documents

Critical Documents

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