At this stage products available are: Motor Vehicle insurance (Howden Wheels), Dwelling House / Residence (Howden Home), Travel Insurance (Howden Travel). More detail of the each coverage, please refer to each product below

1. Easy access and instant buying insurance
2. Online payment of premium
3. Easy access to add-on features available
4. Clear information prior to buying
5. Paperless insurance policy, via email.

At this stage, you may choose to either by credit card payment or bank transfer. Please email the confirmation to ensure payment is validated.

We use Veritrans as our payment gateway. The portal is secured by SSL provided by Trustwave technology which is the leading provider of information security solution. All payment by credit card has a 3D secure authentication.

Once your credit card payment is completed or bank transfer is verified, you will immediately receive confirmation of cover and payment receipt via email. The certificate and insurance policy shall follow also via email within 24 hours.

In respect of bank transfer, this should be completed within 6 hours from confirming online transaction. If you fail to transfer within 6 hours, we will automatically cancel the order and no insurance protection is provided.

You may repeat the order if required to purchase the insurance products online.

Most insurances are on annual basis (12 months period), except when there is specifically mentioned in the certificate or insurance policy schedule.

Your insurance is automatically valid upon completion of credit card payment or bank transfer validation.

You may cancel an insurance policy you bought online by sending request to [email protected] . Subject to the following conditions: -

• The policy had never paid claim
• There is no claim currently on going
• Maximum 50% premium can be refunded (this is because policy shorter than 12 months is subject to premium loading by insurer)

If you require a non-online insurance products, or if you need further consultancy, you may contact our expert via email at [email protected] ,stating your name and number, we will contact you

In the process of online transaction, you should understand clearly what is and is not covered. Including if you are being proposed via email subsequently. If you have further queries, please send to [email protected]

Upon confirmation you will receive the list of approved garage (along with the insurance policy) and claim form. You may go directly to the approved garage and provide the completed claim form accordingly. You can refer the claim procedure manual.

You may contact us at +62 21 2939 4900 or you may send email to [email protected]

Howden Wheels is a Motor Vehicle Insurance which is a Protection of Your Value Vehicle directly caused by:

Main Covered: [Comprehensive / Total Loss Only]

• Collision, impact, overturning, skidding, or falling into;
• Malicious act;
• Theft, including theft which is preceded or accompanied or followed by violence or a threat of violence as provided for in Article 362, 363 section (3), (4), (5), and Article 365 of the Criminal Code (Kitab Undang-Undang Hukum Pidana);

• Fire, including :

  • Fire resulting from fire to nearby object or the place of storage of the Motor Vehicle;
  • Fire caused by lightning;
• Damage caused by water and/or other equipment used to prevent or extinguish the fire;
• Total or partial destruction of the Motor Vehicle at the order of the authorities in attempt to prevent further spreading of the fire.
• Loss and or damage caused by an event stated in section (1) of this Article whilst the said Motor Vehicle is on board of the vessel for crossing means under the supervision of the Directorate General of Land Communication, including loss and/or damage caused by the said vessel being involved in an accident.

Any vehicle, but limited to private usage only – Excluding commercial Purpose

For Comprehensive, the maximum years is 25 years, while for Total Loss is up to 30 years. This applies for both Car and Motor Cycle

For the new motor vehicle, it will be referred to the purchased value of that vehicle, while for the used vehicle, it will be referred to the existing market based on brand, type and year made of your vehicle

2 Months before expiry, there will be a renewal notification send to your email. If you want to renew it, you can do the confirmation in the email that we send it to you.

1. Refer to Polis Standard Asuransi Kendaraan Bermotor Indonesia, Third Party Legal Liability is a legal liability of the insured against loss suffered by third party, directly caused by Motor Vehicle arising out of risks covered by Article 1 paragraph (1) items 1.1 and 1.4, whether the settlement thereof is by compromise, mediation, arbitration or through court subject to prior written consent of the Insurer, namely:
   • Damage to property
   • Medical expenses, bodily injury and or death;

   A maximum of sum insured for Legal Liability coverage against any Third Party as set forth in the Policy



2. Legal fees or professional service fees in the relation to legal liability of the Insured subject to prior written consent of the Insurer. Liability of the Insurer for such fees, shall be at a maximum 10% (ten percent) of the limit of Legal Liability coverage against any Third Party as specified in the paragraph (1) of this article.

   This indemnification shall constitute an addition of indemnity governed in paragraph (1) of this article.

Howden Home – Protection of Your value Residence (Building & Content) against any sudden & accidental damage which including but not limited any damage caused of:

MAIN COVERED :

• Fire; Lightning, Explosion, Aircraft Impact & Smoke [FLEXAS];
• Typhoon; Storm; Flood; Water Damage [TSFWD];
• Riot; Strike; Malicious Damage & Civil Commotion [RSMD + CC]
• Burglary / Theft / Accidental Damage
• Earthquake ; Volcanic Eruption ; Tsunami [EQVET]
• Liability to Third Party [Within Premises]

ADD. BENEFIT: *) as per insurer each Insurer Extension Agreed to add.

• Personal Accident
• Temporary Accommodation
• Domestic Servant Belongings
• Terrorism & Sabotage *)
• In-fidelity Conduct Domestic Servant *)

Howden Travel is a Travel Insurance which is a Comprehensive Protection for you and beloved Family whilst traveling “Domestic & Overseas”. The main coverage includes:

1. KECELAKAAN DIRI / PERSONAL ACCIDENT
   1. Meninggal Dunia akibat Kecelakaan / Accidental Death due to Accident
   2. Cacat Tetap akibat Kecelakaan / Permanent Disablement due to Accident
2. BANTUAN LAYANAN DARURAT & BIAYA PENGOBATAN DI LUAR (DALAM) NEGERI / EMERGENCY ASSISTANCE SERVICES AND OVERSEAS (DOMESTIC) MEDICAL EXPENSES
   1. Bantuan Medis Darurat dan Layanan Bantuan Perjalanan / Emergency Medical and Travel Assistance Services
   2. Biaya Pengobatan di Luar Negeri (Dalam Negeri) dan Santuan Harian Rawat Inap / Overseas (Domestic) Medical Expenses and Daily Hospital Benefit
   3. Biaya Pengobatan di Luar Negeri (Dalam Negeri) / Overseas (Domestic) Medical Expenses
   4. Perawatan Medis Lanjutan / Return Treatment Extension
   5. Santunan Harian Rawat Inap / Daily Hospital Benefit ($50/hari, Maks. 30 hari)
3. MANFAAT TAMBAHAN UNTUK CEDERA TUBUH AKIBAT KECELAKAAN / ADDITIONAL INJURY PAYOUT
   1. Cedera Tubuh yang mengakibatkan Pembedahan / Injury Resulting in Surgery
   2. Cedera Tubuh yang mengakibatkan Kehilangan Gigi atau Prosedur Gigi / Injury Resulting in Loss of Teeth or Dental Procedures
4. PERLINDUNGAN KETIDAKNYAMANAN PERJALANAN / TRAVEL INCONVENIENCE COVER
   1. Kehilangan Biaya Perjalanan / Loss of Deposit
   2. Pembatalan & Pengurangan Perjalanan / Cancellation & Curtailment of Trip
      1. Pembatalan Perjalanan / Cancellation of Trip
      2. Pengurangan Perjalanan / Curtailment of Trip
   3. Karyawan Alternatif / Alternative Employee
   4. Gangguan Transportasi Lanjutan / Missed Transport Connection [$50 per 6 jam (hours )]
   5. Penundaan Perjalanan / Travel Delay [$50 per 6 jam (hours )]
   6. Pembajakan dan Penahanan / Hijack and Detention [$50 per 6 jam (hours )]
   7. Kehilangan atau Kerusakan Barang Pribadi atau Penundaan Bagasi / Loss or Damage of Personal Belonging or Baggage Delay
      1. Kehilangan atau Kerusakan Barang Pribadi / Loss or Damage to Personal Belonging
      2. Kehilangan Harta Benda Bisnis atau Peralatan Elektronik / Loss to Business Property or Electronic Equipment
      3. Penundaan Bagasi / Baggage Delay [$50 per 6 jam (hours )]
      4. Kehilangan Uang / Loss of Money
      5. Kehilangan Dokumen Perjalanan / Loss of Travel Documents
   8. Risiko Sendiri untuk Kendaraan / Vehicle Excess Waiver
   9. Tanggung Gugat Pribadi / Personal Liability
   10. Penculikan / Kidnap [$500 per 24 jam (hours )]
   11. Biaya Hukum / Legal Expenses
   12. Pengaturan Uang Jaminan / Bail Bond Arrangement
   13. Gangguan Acara / Missed Event
   14. Olah Raga Golf / Golf Sport
   15. Biaya Telepon Darurat / Emergency Telephone Charges
   16. Biaya Kunjungan Pendamping / Overseas Compassionate Visit

• PERLUASAN MANFAAT / EXTENSION COVERAGE
  1. Manfaat Meninggal Dunia akibat Bencana Alam / Accidental Death Benefit Due to Natural Catastrophe
  2. Penggantian Kartu Kredit / Credit Card Indemnity
  3. Biaya Pemakaman / Funeral Expenses
  4. Biaya Perekrutan Karyawan Kunci / Key-Employee Recruitment Fees
  5. Biaya Fisioterapi / Physiotheraphy Costs