{"id":7569,"date":"2025-07-04T13:28:19","date_gmt":"2025-07-04T06:28:19","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=7569"},"modified":"2025-07-04T13:28:19","modified_gmt":"2025-07-04T06:28:19","slug":"menjawab-tantangan-asuransi-mobil-listrik-untuk-risiko-penurunan-kapasitas-baterai-ev-extended-battery-warranty-dari-oem-atau-pihak-ketiga","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/en\/menjawab-tantangan-asuransi-mobil-listrik-untuk-risiko-penurunan-kapasitas-baterai-ev-extended-battery-warranty-dari-oem-atau-pihak-ketiga\/","title":{"rendered":"Answering the EV Insurance Challenge for EV Battery Capacity Deterioration Risk: Extended Battery Warranty from OEM or Third Party?"},"content":{"rendered":"

Welcome to Insurance League, a platform that presents various information about risk management and the world of insurance, directly from the perspective of practitioners. On this occasion, we raise an interesting topic about the strategic role of <\/span>insurance broker<\/span><\/a> in protecting motor vehicles, especially electric vehicles (EVs) which are becoming a future trend.<\/span><\/p>\n

This article will explore how brokers can help you understand hidden risks such as battery capacity degradation and provide targeted protection solutions.<\/span><\/p>\n

If you find this article useful, please share it with your colleagues, and don’t forget to explore hundreds of other interesting articles at<\/span>LigaAsuransi.com<\/span><\/a>.<\/span><\/p>\n

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Transition to Electric Cars and Hidden Risks<\/span><\/h3>\n

In recent years, electric vehicles (EVs) have become increasingly popular in Indonesia. Supported by government incentives and public awareness of the environment, sales of electric cars have experienced significant growth. However, behind the various advantages of this technology, new challenges arise in terms of risk protection \u2013 especially regarding the most expensive component: the battery.<\/span><\/p>\n

Unfortunately, most EV owners are not yet aware that EV insurance does not automatically cover all potential damages, including the risk of decreasing battery capacity. This is where the important role of EV insurance becomes crucial. However, choosing the right policy is not as easy as buying conventional vehicle insurance.<\/span><\/p>\n

In this article, we will take a deep dive into the key challenges in EV insurance \u2013 particularly regarding batteries \u2013 and why using an electric car insurance broker can be a strategic decision for optimal protection.<\/span><\/p>\n

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Risk of Electric Vehicle Battery Capacity Decrease<\/span><\/h3>\n

The battery is the most vital and most expensive component in an electric vehicle. Over time and usage, the capacity of an electric car battery can naturally decrease. This decrease causes reduced range, weakened performance, and the vehicle’s resale value to drop drastically. This is a unique risk that is not yet widely recognized by electric vehicle (EV) owners in Indonesia.<\/span><\/p>\n

Although most manufacturers provide a battery warranty of up to 8 years or 160,000 km, the warranty usually only covers extreme degradation (below 70\u201375% capacity) and does not cover normal degradation. In practice, battery warranty claims are not always easy and often require a long and rigorous verification process from the OEM.<\/span><\/p>\n

The problem is, standard electric vehicle insurance policies in Indonesia currently generally do not explicitly cover the risk of battery capacity degradation. Even in all-risk policies, the focus of protection is more on damage due to collisions, fires, or theft\u2014rather than internal degradation that occurs naturally.<\/span><\/p>\n

This creates a significant protection gap. EV owners are at risk of having to bear the cost of replacing the battery themselves, which can reach hundreds of millions of rupiah. This is where the need for additional protection products such as extended battery warranties arises\u2014either from OEMs or third parties.<\/span><\/p>\n

By understanding these risks thoroughly, electric vehicle owners can take more proactive protective steps. This is where an <\/span>insurance broker<\/span><\/a> plays an important role: helping you understand policy terms, evaluate battery risks, and find appropriate protection solutions.<\/span><\/p>\n

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Extended Battery Warranty: Solution or Just a Promise?<\/span><\/h3>\n

One effort to overcome the risk of decreasing battery capacity in electric vehicles is through an extended battery warranty, which is an extension of the battery warranty beyond the standard manufacturer’s warranty period. However, the question is\u2014is this protection really effective, and who should provide it: the OEM (Original Equipment Manufacturer) or a third party?<\/span><\/p>\n

OEM warranties are generally integrated with the manufacturer\u2019s official systems and procedures. However, this protection still has limitations. Most only cover technical damage that is considered \u201cabnormal\u201d, and is highly dependent on the official diagnosis of a particular dealer or workshop. Claims can be rejected if external causes such as misuse, extreme temperatures, or unauthorized modifications are found.<\/span><\/p>\n

On the other hand, some third-party companies are now starting to offer extended battery warranties as additional insurance products or special protection packages. These products are more flexible and can be tailored to vehicle conditions and user profiles. However, not all third-party providers have reliable technical capabilities or extensive service networks, so customers need to be careful in choosing.<\/span><\/p>\n

Another challenge is transparency in terms and conditions. Both OEM and third-party warranties often include exclusions that consumers do not understand. For example, battery capacity degradation is considered \u201cnormal\u201d if it is within a certain range and does not meet the claim criteria.<\/span><\/p>\n

This is where the role of an <\/span>insurance broker<\/span><\/a> becomes very important. Brokers can help you objectively compare OEM and third-party extended battery warranties. With access to multiple providers and a deep understanding of policies, brokers can steer you toward coverage options that truly deliver value.<\/span><\/p>\n

Rather than impulsively purchasing additional protection, it is better to first consult with a broker who understands the risks of electric vehicles.<\/span><\/p>\n

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Can Electric Car Insurance Cover the Risk of Battery Deterioration?<\/span><\/h3>\n

One of the important questions often asked by electric vehicle owners is: \u201cCan electric car insurance protect against the risk of battery capacity degradation?\u201d The answer is: not necessarily.<\/span><\/p>\n

Currently, most motor vehicle insurance products in Indonesia\u2014both TLO (Total Loss Only) and All Risk\u2014are still designed for fossil fuel vehicles. The main protection covers physical risks such as collision, theft, fire, and damage due to natural disasters. Unfortunately, the risk of internal degradation of components such as batteries is not yet a standard part of electric vehicle insurance coverage.<\/span><\/p>\n

Some insurers are experimenting with expanding coverage for electric vehicles (EVs), including protection for the electrical system and battery. However, this coverage is still very limited and generally only covers damage from an accident or verified technical malfunction\u2014not natural degradation over time.<\/span><\/p>\n

This creates a serious protection gap. The battery is the most expensive part of an EV\u2014replacing it can cost 40\u201350% of the vehicle\u2019s price. When capacity degradation is neither covered by the manufacturer\u2019s warranty nor covered by insurance, vehicle owners can find themselves in a disadvantageous position.<\/span><\/p>\n

As a solution, <\/span>insurance broker<\/span><\/a> can help you find a policy with more specific coverage extensions. In some cases, brokers can even work with underwriters and OEMs or third-party warranty providers to integrate battery protection into your EV insurance policy.<\/span><\/p>\n

If you want to be truly protected, don’t just rely on general insurance. Consult a professional broker to evaluate the risk gap and find the most relevant protection solution for your electric vehicle.<\/span><\/p>\n

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The Strategic Role of Brokers in Finding the Best Protection for Electric Vehicles<\/span><\/h3>\n

Insurance brokers don\u2019t just sell policies. They are risk advisors. In the context of electric vehicles, a broker will help you:<\/span><\/p>\n