Car Insurance Protection
Terakhir Diubah : 16:32:57 - Selasa, 25 Januari 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
Does Car Insurance Cover Landslides?
Aside from the danger of flooding, heavy rainfall can also lead to mudflow, basically creating a river of mud; and landslides, which are caused by the movement of the destabilized land—due either to gradual erosion or an accumulation of water. Does your auto insurance policy provide coverage for landslides?
Insurance shall not cover any loss of, damage to and/or expense incurred in Motor Vehicle and/or legal liability against any third party directly or indirectly caused by, as a consequence of, resulting from: earthquake, volcanic eruption, windstorm, tempest, tsunami, hail, flood, inundation, landslide or other geological or meteorological symptoms (Motor Vehicle Insurance Standard Policy in Indonesia chapter 2, Exclusion, article 3, point 3.2).
Like flood, however, earthquake and landslide is excluded from standard car insurance policies—you must buy the coverage separately. Please call 021- 50508080 for more information.
IG Live: Protecting your assets through insurance
In order to support the Financial Inclusion Month with the Financial Services Authority of Indonesia, Sahabat Insurance will be live on instagram with the theme
“Protecting your assets through insurance “
Thursday, October 6, 2022
at 4 PM.
Marketing Director of Sahabat Insurance
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Giveaway period 6 - 9 October 2022.
How to Avoid Surprise Costs During the Home Renovation
Embarking on a home remodel can be messy, expensive, inconvenient and at times pull-your-hair-out frustrating. The last thing you want is a higher price tag than your contractor's initial bid. So, how do you keep your sanity and your pocket change while remodeling your home?
1. Renovation gradually and according to your budget
2. If you need handyman services, calculate carefully for the payment
3. You can choose second hand materials with good quality
4. Diligently look for discount materials to build a house
5. If there is something you can do independently, do it yourself
6. Choose a minimalist concept, to be efficient and simple
Protect your home with Home Insurance from Sahabat Insurance, call 021-50508080 for more info!
What is Own Risk?
Hi, Sahabat! If you have vehicle insurance, you must recognize some insurance terms so as not to get confused.
When purchasing a vehicle insurance product, you will be introduced to the term Own Risk (OR). Own risk can be interpreted as payment of compensation costs made by the vehicle owner or the insured for any loss and or damage that occurs when submitting a claim. If you do this, it means that you already know your responsibilities as a vehicle owner. As a form of your sense of responsibility to always be careful when driving. The standard, in accordance with OJK Letter No. 6 of 2017 stipulates that the current OR fee is a minimum of IDR 300,000 per incident.
Please note, standard car insurance policies actually only cover loss or damage caused by accident, collision, impact, overturning, slipping, or falling; evil deeds; theft; as well as fire and all risks covered by the motor vehicle insurance policy. However, if due to a disaster caused by natural disasters such as rain, flood, tsunami, hurricane, hail, tsunami, a product is provided in the form of an extension to protect your car from the causes mentioned above.
If you want to get further explanation regarding self-risk calculation or car insurance closing procedure through Sahabat Insurance Customer Service Online, we are happy to answer your questions via our hotline at 021-50508080 or Whatsapp at 021-50508080.