5 Reasons People Refuse Insurance

Terakhir Diubah : 14:51:44 - Sunday, 26 September 2021

Indonesia is still listed as an underinsured country, this is because there are still many Indonesians who do not have insurance. There are many reasons why Indonesians are lazy to have insurance. Some of these reasons are based on one thing, namely the lack of insurance education for the public. Here are the top 5 reasons why Indonesians are still reluctant to get insurance according to the Insurance Magazine version:

Do not understand
Because insurance is not very popular in the community, many terms are not understood by the Indonesian people, thus causing people to be afraid of being deceived and decide not to have insurance, whether car, health, or life insurance. People's ignorance can actually be overcome if there is education that is easy and simple to understand, sometimes the explanation received by the community from an insurance agent is not explained in simple language.

Too expensive
Insurance is still considered a luxury and out of reach. Whereas the government and private companies have provided several various insurance options and along with the growth of the insurance industry, prices have become very competitive. For example, the price of personal accident insurance can be around Rp. 25,000 (twenty five thousand rupiah) but it can still provide a fairly high protection value. The price of insurance today is much cheaper in the past, maybe even this price is not more expensive than people's spending on mobile phone credit.

There are still other needs
This is very understandable, but make sure that what is meant by other needs are very urgent or primary needs and once you have enough savings, start insurance no matter how small the amount. Because no matter how small the insurance value, it will be very helpful when needed.

“I Will Drive Carefully” (Car Insurance)
Even if you drive very carefully, your car still has the risk of being hit, dented, or other traffic incidents. Therefore, insure your vehicle, so that your financial status remains stable if something happens to the vehicle.

Insurance Claims Must Be Difficult
This point, really depends on the type of insurance company chosen, but in general, if you have read it carefully and understand the insurance policy comprehensively, insurance claims should not be a frightening specter. Therefore, it is highly recommended to consult first with some relatives or experts before buying insurance products.

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Sahabat Insurance Supports Actuarial Olympiad and Insurance Literacy Competition

Jakarta, Monday, February 9, 2026 — Sahabat Insurance reaffirmed its commitment to strengthening national financial literacy by supporting the Insurance & Actuarial Olympiad and the Insurance Literacy Competition organized by STMA Trisakti. The event brought together 442 participants from 20 provinces across Indonesia, reflecting strong public enthusiasm for increasing knowledge and awareness of insurance and actuarial science. Participants came from diverse backgrounds, including high school students, university students, as well as teachers and lecturers.

Sahabat Insurance’s Commitment to National Insurance Literacy
Sahabat Insurance’s involvement in this event is part of the company’s corporate literacy program, implemented in line with recommendations from the Financial Services Authority (OJK). By supporting educational initiatives such as this competition, Sahabat Insurance aims to broaden public understanding of insurance and highlight the vital role of actuarial science in risk management and financial planning. Improved insurance literacy is expected to help the public:

Better understand the benefits and functions of insurance
Make smarter and more responsible financial decisions
Strengthen financial resilience for the future

Encouraging Insurance and Actuarial Awareness Among Young Generations
The Actuarial Olympiad and the Insurance Literacy Competition organized by STMA Trisakti serve as a strategic platform to:

Foster interest in the insurance and actuarial industry among young people
Enhance understanding of risk management, protection, and financial planning
Develop high-quality human resources with strong competitiveness in the financial sector

By involving students, educators, and academics, this competition is expected to create a sustainable educational impact within schools and higher education institutions.

Sahabat Insurance and the Future of Financial Literacy in Indonesia
Sahabat Insurance believes that strong insurance literacy is a fundamental pillar in building a financially resilient society. Supporting national educational initiatives such as this competition represents the company’s ongoing commitment to advancing financial literacy and inclusion in Indonesia.

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Sahabat Insurance New Office Representative in Alam Sutera!

Sahabat Insurance continues to be a leading force in the insurance industry, announcing the opening of an additional representative office in Alam Sutera, Tangerang. The ceremony was held at Sahabat Insurance Alam Sutera office, which was attended by directors - Mr. L. Berly Wennas as President Director, by Mrs. Sekar Tunggal as Technical Director, Mrs. Sylvy Setiawan as Marketing Director, Mr. Yongkie Avriano as Head of Tangerang Representative Office, dealer partners, financing institution partners, employees and other work partners.

Sahabat Insurance Alam Sutera is now open and ready to serve local residents with reliable services from Monday to Friday, 08.30-17.30 (Jakarta Time).

For information, Sahabat Insurance has 20 representative offices and branch offices in Indonesia. Sahabat Insurance Alam Sutera representative office is the first representative office established in Tangerang.

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What Do I Do If My House Floods?

Flooded house? This is what you should do. Turn off the electricity when there is a flood, if the flood has subsided, clean the house immediately. It is important to dispose of items that cannot be saved immediately to prevent mold and bacteria from growing. Do not wait long, immediately clean with clean water to remove mud and soil, if the flood brings garbage, clean the floor with a solution of bleach or antiseptic.

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Essential Checks Before a Long Car Journey

We all know we’re supposed to check our car before we set off on a long journey. But what does that actually involve?
These checks can be done by anyone at any time and will not need any special equipment or prior knowledge.

1.Check Your Tires
There are three elements that you should check:
Appearance
Tread
Pressure

2. Check Your Oil Levels
To check the oil level you will need to remove the dipstick. You should be able to easily locate this as it will be either a bright yellow or orange pull ring.
Once you’ve pulled out the dipstick you should then wipe it clean so that no residual oil remains and could provide a false level.

3. Check The Engine Coolant
It is especially important that this check and top up is done when the engine is cold, and we recommend leaving the vehicle for at least eight hours since it was last used before opening the coolant tank. This is because the coolant can get incredibly hot and with the pressure in the tank opening it when not cool can cause serious injury.

4.Make Sure Your Lights are Working
To check your headlights and high beams face the reflective surface, and turn them on. You can also check your cabin light, and your front fog light, if your vehicle has one.

5.Test Your Brakes
You should also check your brakes are working correctly before setting off.
There are two checks to complete. The first is to press down on the brake pedal before starting the engine, it should feel spongy and not slack at all. Then turn the engine on and conduct the second test. In a safe place you should apply the brakes firmly when driving. The vehicle should stop promptly and not pull to one side.

6.Check your battery
Before you head off you should check that your essential electric systems (battery) are working. A problematic battery will reduce the ability to supply electricity to a number of components, such as lights, wipers, door locks, air conditioners, audio systems and others. The characteristics are easy, these components do not work stably if the battery has a problem.

7.Fill Up
If you’re setting off on a long trip, then you should fill up at the fuel station.
Drivers should refuel their vehicle when they have anywhere between a quarter of a tank or half of a tank left for maximum efficiency.The less fuel in your tank, the greater the risk of running out completely in a bad spot.

For more info about car insurance, please call 021-50508080.

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