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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Sahabat Insurance Participates in FinEXPO 2025

Makassar, October 4, 2025— PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) actively participated in FinEXPO 2025, part of the Financial Inclusion Month 2025 campaign. This major financial industry event was organized by the Financial Services Authority (OJK) of South and West Sulawesi in partnership with the Financial Services Industry Communication Forum (FK-IJK Sulselbar).

As part of its commitment, Sahabat Insurance joined forces with the Indonesian General Insurance Association (AAUI) Makassar Branch to set up an Insurance Corner, aimed at supporting and enhancing financial literacy and inclusion among the public.

Sahabat Insurance’s Commitment to Financial Inclusion

Sahabat Insurance’s presence at FinEXPO 2025 reflects its strong support for OJK’s national program to improve financial literacy and inclusion across Indonesia. During the event, the company showcased a variety of general insurance products, including:

• Motor vehicle insurance
• Property insurance
• Personal accident insurance
• Travel insurance

Visitors also had the opportunity to receive insurance consultations to better understand which protection solutions fit their needs.

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FinEXPO 2025: Expanding Public Access to Financial Services

FinEXPO 2025 is a flagship event under the Financial Inclusion Month (BIK) initiative held every October, with the goal of improving public understanding and access to financial services. The event gathered a wide range of financial institutions—including banks, insurance companies, fintechs, and cooperatives—all working together to advance financial inclusion in Indonesia.

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About Sahabat Insurance

PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) is a national general insurance company in Indonesia, dedicated to providing the best protection services for individuals and businesses. With an extensive service network and diverse product offerings, Sahabat Insurance continues to play a key role in supporting the financial resilience of Indonesian communities and enterprises.

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Fire Insurance (FLEXAS)

Property Insurance (FLEXAS) provides a warranty to your properties for the damages as resulted from any possible risks such as fire, lightning, explosion, aircraft falling and smoke.

Fire (fire)
Fire caused by a short circuit or electrical short circuit or due to the spread of fire from other objects, neighboring houses, tree fires and others or fire due to your own negligence or lack of care, your servant or other people such as fires due to stoves, exploding gas leaks, or cigarette butts and others.

Lightning (Lightning Strike)
Property insurance also guarantees the risk of fire caused by electric machinery, electrical or electronic equipment, and electrical installations that are burned because lightning also enters into account.

Explosion
What is meant by an explosion here is the sudden release of energy due to the expansion of steam or gas. For example, steam boiler pipes or explode until leaving open rips. Terms and conditions apply.

Aircraft Impact (Fall of Airplanes)
In the unfortunate event of an aircraft crash on or near the insured property, a comprehensive fire insurance policy typically covers the resulting damage. This can include structural damage to buildings, loss of personal property, and any other destruction caused by the impact.

Smoke (Smoke)
Smoke arising from the fire of insured property. So if the smoke caused by a fire causes damage to the house or other property insured, property insurance will guarantee the loss due to the damage. (asuransiku)

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Motor Vehicle Insurance: Comprehensive vs TLO

Car insurance is an essential solution for vehicle owners, especially as traffic conditions become more congested and driving risks continue to increase. Whether your car is being used daily or parked at home or at work, the risk of accidents, damage, or theft is always present and often unpredictable.

With car insurance from Sahabat Insurance, you can drive with greater peace of mind knowing your vehicle is well protected.

Why Is Car Insurance Important?

Even if you drive carefully, unexpected incidents may still occur at any time. Car insurance helps protect you from costly repair expenses and financial losses caused by accidents or vehicle theft.

Today, car insurance products are widely available at affordable premiums. When compared to the benefits and coverage provided, the cost of car insurance is well worth the protection and security you receive.

Types of Car Insurance You Should Know

Before choosing a car insurance policy, it is important to understand the available coverage options.

1. Total Loss Only (TLO) Insurance

Total Loss Only (TLO) insurance provides coverage for total loss of your vehicle due to theft or severe damage. A loss is considered total if the estimated repair cost reaches or exceeds 75% of the vehicle’s market value immediately before the incident.

Please note that TLO insurance does not cover minor damages such as small scratches or dents. These types of repairs remain the responsibility of the vehicle owner.

2. All Risk / Comprehensive Insurance

All Risk or Comprehensive insurance offers broader and more complete protection. This type of coverage includes minor damages such as scratches and small dents, as well as major damages caused by serious accidents or vehicle theft, as long as they are stated in the policy.

Comprehensive insurance from Sahabat Insurance can also be enhanced with additional coverage, including:

* Protection against natural disasters such as floods and earthquakes
* Coverage for riots and civil disturbances
* Third-party liability coverage if an accident causes injury or damage to others

These extended protections help ensure your vehicle is safeguarded against a wide range of potential risks.

Choose the Right Car Insurance for Your Needs

By understanding the differences between car insurance types, you can select the coverage that best suits your vehicle and lifestyle. Sahabat Insurance is committed to helping you find reliable and effective car insurance solutions tailored to your needs.

For more information about car insurance products, premiums, and coverage options, contact Sahabat Insurance at 021-50508080 and get the best protection for your vehicle.

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Sahabat Insurance Excellent Predicate From Infobank Magazine

PT Asuransi Sahabat Artha Proteksi or Sahabat Insurance has achieved the "Excellent" performance title in the General Insurance category with a Gross Premium of IDR. 500 Billion up to < RP1 Trillion version of Infobank Magazine July 2024 Edition No. 555 in the theme "Insurance Rating 2024" Previously, Sahabat Insurance had achieved the title "Excellent" in 4 consecutive years, in 2021, 2022, 2023 and 2024.
In 2023, Sahabat Insurance won 2nd place in the category of Public Companies with Gross Premiums of IDR 250 billion to IDR 500 billion in 2023 (based on the 2022 performance).
In 2024, Sahabat Insurance has achieved an impressive 5th place in General Insurance category with a Gross Premium of IDR. 500 Billion up to < IDR 1 Trillion (based on the 2023 performance).

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