Electric Vehicles Are Booming. Has Their Protection Evolved Too?

The adoption of electric vehicles (EVs) in Indonesia continues to accelerate at an impressive rate. According to GAIKINDO, Battery Electric Vehicle (BEV) sales increased from 38,962 units in January–June 2025 to 69,739 units during the same period in 2026—a remarkable 78.9% year-on-year growth.

Electric vehicles are no longer just the future of mobility. They are already part of our roads today.

However, there's one important fact that often goes unnoticed.

Although EVs no longer rely on gasoline, the risks of driving remain the same. The leading causes of road accidents are still related to human error, including:

• Using a mobile phone while driving.
• Driving while fatigued or drowsy.
• Losing focus behind the wheel.
• Failing to maintain a safe following distance.

Vehicle technology may evolve, but the road remains unpredictable.

What makes electric vehicles different is what lies beneath the surface. Unlike conventional cars, EVs are built around advanced technologies such as:

• High-voltage battery systems.
• Specialized electrical components.
• Sophisticated sensors and onboard software.

These innovations also change the way risks are assessed, claims are handled, and repairs are carried out. As EV technology advances, motor insurance must evolve alongside it to provide protection that matches the complexity of modern vehicles.

With the number of electric vehicles in Indonesia continuing to rise, having the right protection is becoming an increasingly important part of vehicle ownership.

To learn more about vehicle protection solutions, visit the tob Insurance website or contact tob Insurance Customer Care at +62 21 3117 8000 or via WhatsApp at +62 823 7035 1000.