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 Received Indonesia Best Insurance Awards 2025 from Warta Ekonomi

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Difference of insurance, savings, investment

What is the difference between insurance, savings and investment? Before we know the difference, it is better if we know the meaning first.

According to the Big Indonesian Dictionary (KBBI), insurance is coverage, an agreement between two parties. Meanwhile, the definition of insurance is quoted from the Financial Services Authority (OJK), which is an agreement between an insurance company and a policy holder which is the basis for receiving premiums by insurance companies as compensation in the form of replacing or reducing losses.
Meanwhile, the definition of savings as reported by the Financial Services Authority (OJK) is money deposits in banks whose withdrawals can only be made according to certain conditions. Generally, banks will provide a passbook that contains information on all the transactions you have made and an ATM card complete with a personal number (PIN). In its current development, there are several types of savings that no longer use passbooks but internet/mobile banking.
Investment is investment, usually in the long term for the procurement of complete assets or the purchase of shares and other securities for profit.

Now, after knowing the meaning, let's see what the difference is:

1. Insurance is to provide protection against risks that may occur to your assets in the future, savings are a means to save wealth from unused income while investment is an investment of funds in the long term to earn profits.

2. Insurance has an element of necessity because it is bound by a contract in the policy, savings and investment are more flexible and according to the ability of each individual.

3. While the risks that may occur will be protected in insurance according to the terms and conditions in the policy, while the investment risk depends on market conditions.

Well, hopefully this article provides information about insurance, savings and investment. For further inquiries regarding insurance and how to claim, you can contact us at 021-50508080

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House Explosion, will my insurance cover the damage?

We will never be able to avoid a disaster, the risk of unpredictability when it occurs. By knowing that the risk will just happen without our expectations, of course we need preparations that we must do to overcome the losses arising from the problem.

Therefore, it is recommended that you have a home, other buildings make sure to use property insurance. This property insurance, can help you with an efficient and economical way to provide protection to every property owned from a variety of risks. FLEXAS stands for Fire, Lightning, Explosion, Aircraft Impact & Smoke.

FLEXAS is a package that you can use to protect against a variety of risks in property insurance. It is unfortunate if the investment held for our support in the future will just disappear due to risks such as Fire, Lightning, Explosion, Fall of Aircraft & Smoke. Finally, we feel something unpleasant and certainly very detrimental.

Here are some explanations regarding FLEXAS guarantees that protect you from various things such as:

Fire (fire)

No one will ever know when a fire can occur in a building we have such as a house or property. Fire caused by a short circuit or electrical short circuit, the spread of fire or heat that arises on its own, 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. the damage caused by efforts to extinguish fires will also be guaranteed by property insurance.

Lightning (Lightning Strike)

Lightning strikes are a terrible thing, because besides being exposed to electric shock, it can also cause our homes to become fires and destroy homes or buildings. No need to worry because property insurance will help you, if your house or building is damaged due to lightning strikes. 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

Explosions can occur at any time, either because someone else intentionally put them in our place or because of our accident, What is meant by an explosion here is the sudden release of energy due to the expansion of steam or gas.

Aircraft Impact (Fall of Airplanes)

You could say that reaching aviation in Indonesia, having enough technology is high, but who can think of everything can happen to ourselves, without being able to know when it happened. The crash of an airplane to cause a fire will be guaranteed by property insurance. With the condition, this happens because of the physical impact of the aircraft or from the contents of the items in the plane that concern the house or property that is insured.

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.

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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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