Are You Ready to Buy a House?

Terakhir Diubah : 03:01:17 - Thursday, 02 December 2021

Buying a house is a big and heavy thing, especially if this experience is your first. What should be considered before buying a house? In addition to important documents and payment methods, you also have to pay attention to the location and environment. Don't let a burglary happen after you buy a house. Call us for questions about home insurance at 021-50508080

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Sahabat Insurance received The Most Promising General Insurance Award

PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) received The Most Promising General Insurance Award based on Financial Performance 2022–2024 in the category of General Insurance with Equity of IDR 250 Billion – IDR 500 Billion at The Finance Award 2025.
The performance assessment was conducted for banks, life insurance companies, general insurance companies, multifinance, and reinsurance institutions that successfully maintained stable and positive growth over three consecutive financial periods.
Sahabat Insurance was recognized in The Finance 2025 as a General Insurance Company with Equity of IDR 250 Billion to < IDR 500 Billion, earning the “Excellent” rating with a total score of 87.67, according to The Finance.
The award ceremony was held on Tuesday, October 28, 2025.

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Worry-Free Vacation? Why not!

When planning for a vacation, have you ever felt so stressful because you must arrange the itinerary, book the hotels, flight and so forth? While at the same time, a few unplanned events come up suddenly and you must cancel your trip.

Accidents may occur while on vacation, lost luggage or money and even important documents such as passports. In addition to vigilance, you should also consider travel insurance when traveling. In addition to protecting losses due to accidents, you will also get a guarantee in the event of a loss or trip cancellation. Worry-free vacation? Why not?

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Factors Affecting Your Car Insurance Premium

Type of Coverage and Insurance Extension
The premium amount will be influenced by the type of coverage and also the insurance extension you choose. Generally, there are two types of coverage that you need to know, Comprehensive and Total Loss Only (TLO). With different types of insurance coverage available, the resulting premium is going to be affected. A comprehensive package with numerous features will naturally cost more than a lower-tier option. The same goes for optional extras, should you wish to add them on to your existing policy.
When buying insurance, it's crucial to carefully consider the coverage limits and ensure they align with your potential risks and needs.

Vehicle Age
The age of a vehicle is a key factor in determining car insurance premiums, both for comprehensive and Total Loss Only (TLO) policies. The Financial Services Authority (OJK) regulates which vehicles are eligible for comprehensive and TLO insurance in Indonesia.

Location
Motor Vehicle Insurance premiums are indeed affected by the area where the vehicle is primarily used. Insurance companies assess risks based on location, with areas experiencing higher accident rates, theft, or severe weather events often resulting in higher premiums.

Vehicle Usage
Car insurance premiums are indeed calculated based on risk, and vehicle usage is a significant factor in determining that risk level. Cars used for different purposes, like private, official, or commercial use, have varying levels of risk, and this is reflected in the premiums charged by insurance companies.

Always double check every policy guarantee and insurance premium offer according to your needs. Contact Sahabat Insurance marketing team for more info via WA 021-50508080.

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Safety Tips For Walking In The Rain

1. Get an Umbrella
An umbrella is useful for a variety of reasons while walking in the rain, not only will it naturally help to keep you dry, but it will also keep water out of your eyes. When water impairs your ability to see (especially if you wear glasses!), you’re more at risk of an accident. What’s more, holding an umbrella also improves your visibility, helping the drivers of surrounding vehicles to see you.

2. Wear Bright Colors
A brightly colored raincoat will serve you well when walking in the rain. Much like the umbrella (which should also be bright if possible), this utilitarian item will both keep you dry and aid in other motorists’ ability to see you. The brighter the color, the better. When it’s raining out, visibility is significantly impaired, especially for elderly drivers, but bold colors stand out and help you avoid a pedestrian accident.

3. Choose Non-Slip Shoes
Non-slip shoes (and preferably waterproof ones for your comfort) can help you get across streets safely. When streets and sidewalks are wet, slip and fall accidents may be more likely. While a slip on a sidewalk can lead to injuries, a slip in the middle of the road can be catastrophic.

4. Follow Traffic Laws
Rain or shine, you should always follow pedestrian rules of the road.

5. Using a sidewalk whenever possible
Crossing at a crosswalk when the signal indicates that it’s okay to do so
Yielding to vehicles when not crossing at a designated crossing area
Not exiting the sidewalk into the path of traffic
6. Resist Distractions
Finally, remember to put away distracting items when walking in rain. Turn off the music and tuck your cell phone safely into your pocket. When it’s raining out, approaching vehicles can be harder to both see and hear, and extra attention can be key to your safety.

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