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1. No Claims Bonus: Terms for reward system for claim-free periods - include when offering this benefit

2. Additional Drivers: Terms for including other drivers - include when multiple drivers are permitted

3. International Coverage: Terms for coverage outside Indonesia - include when offering international coverage

4. Installment Payment Plan: Terms for paying premiums in installments - include when offering payment plans

5. Roadside Assistance: Terms of emergency assistance services - include when offering this service

6. Replacement Vehicle: Terms for temporary replacement vehicle - include when offering this benefit

7. Workshop Selection: Terms regarding choice of repair workshops - include when offering workshop flexibility

1. Schedule 1 - Vehicle Details: Detailed information about the insured vehicle including make, model, year, and registration

2. Schedule 2 - Premium Calculation: Detailed breakdown of premium calculation including factors and adjustments

3. Schedule 3 - Coverage Limits: Specific monetary limits for different types of coverage and deductibles

4. Schedule 4 - Approved Workshops: List of approved repair workshops and their contact details

5. Appendix A - Claims Form: Standard form for submitting insurance claims

6. Appendix B - Vehicle Inspection Report: Initial vehicle condition report and inspection details

7. Appendix C - Product Disclosure Statement: Detailed explanation of policy features, benefits, and exclusions as required by OJK regulations