Car Insurance Protection

Terakhir Diubah : 09:32:57 - Tuesday, 25 January 2022

We really never know about things that might happen in the future. For that, it is also important that you have protection from various risks, in this case regarding the car, such as the risk of damage to loss. Pity your expensive car is damaged? Moreover, because there is no protection, you also have to pay dearly for the cost of repairing it.

Vehicle insurance is useful to protect you from losses due to accidents. What are some examples of vehicle insurance benefits and protections?

In general, examples of types of car insurance consist of total loss only (TLO) car insurance and all risk (comprehensive) car insurance.

1. Total Loss Only Car Insurance Benefits (Total Loss/TLO Car Insurance)
As the name implies, total loss only (TLO) car insurance offers car insurance benefits in the form of claims that can only be made if there is a total loss. The total loss in question is damage that occurs above 75% or loss due to theft or confiscation. The amount of damage of 75% is used as a benchmark because the car will certainly not be able to be used again.

2. All Risk (Comprehensive) Car Insurance Benefits
All risk insurance is a long-term and comprehensive protection insurance, it protects the vehicle from losses, for example from accidents, other people's evil deeds, fire, and others.

Ask us about vehicle insurance via the WhatsApp chat application or contact us at the Sahabat Insurance call center 021 - 50508080

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Earthquake Insurance: Extension Coverage

Earthquakes may happen naturally , but we do not know exactly when. Vehicle insurance, as in the Indonesian Automotive Insurance Standard Policy issued by AAUI, does not have Earthquake Coverage included in the Standard policy. To have an Earthquake Risk Guarantee, the Insured needs to extend the Earthquake Protection Guarantee as Extension Coverage (Additional Coverage). For more info about the extension coverage, please contact Sahabat Insurance call center or via WhatsApp chat: 021-50508080.

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Visit Sahabat Insurance at Periklindo Electric Vehicle Show

See you at PERIKLINDO Electric Vehicle Show (PEVS) 2023 17 -21 May 2023, Hall A of JIEXPO Kemayoran with Sahabat Insurance and Mandiri Tunas FInance.

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What to do if your passport is lost or stolen while abroad?

The first thing you need to do is go to the local police station to report the theft or loss of your passport. This procedure will protect you in case of misuse of your passport. You will also receive a police report describing the circumstances of the loss or theft.

Tips: a scan or photocopy of a passport should be made before international trips. Photocopies should be kept in a location other than the actual passport, for extra security, in case something happens to the original document.

You must also report the loss or theft of your passport at the nearest embassy or consulate of your country of citizenship. If you are in possession of copies or scans of your passport, do enclose them in your report.

The following are the documents that must be prepared for processing lost/damaged passports at the immigration office:
1. Police Certificate (Lost or Stolen Passport)
2. Identity Card;
3. Family Card;
4. Birth certificate and/or School Diploma;
5. Old passport (especially for damaged passports).

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Term Insurance Definition & Meaning

Insurance policy: is a legal contract between the insurance company (the insurer) and the person(s), business, or entity being insured (the insured).

Premium: is the amount of money you must pay to the insurance company for your insurance policy.

Claim : An insurance claim is a formal request from the policyholder (that's you) to their insurance company asking for payment after a covered incident.

Insured: A person whose life or property is the subject of insurance.

Insurer: Parties that already have formal permission to carry out business activities related to taking over the risk of other parties based on a policy; for this coverage, the risk insurer receives a premium from another party as the insured; usually, the Insurer is an insurance company.

The age of the Insured: is determined based on the last birthday on the Effective Date of Insurance and will increase on each Policy Birthday.

The coverage period :is the period of insurance protection for the Insured from the Effective Date of Insurance to the Expiry Date of Insurance as stated in the Policy Data.A coverage period is the period of time during which an insured event is protected by an insurance contract.

Fore more information please call Sahabat Insurance 021-50508080.
Source: https://sikapiuangmu.ojk.go.id

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