Does Car Insurance Cover Landslides?

Terakhir Diubah : 09:18:35 - Kamis, 15 Desember 2022

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.

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Car Alarm Goes Off Randomly? Learn Why and How to Fix It!

The car alarm serves to protect the vehicle from theft or other adverse events. But when your car alarm keeps going off, surely what comes to mind is the thought that the car alarm is broken and needs to be replaced immediately. It's a good idea to identify the cause of the damage to the car alarm.It could be that the cause is an alarm must be reset, the remote battery runs out or the car alarm receiver has a problem.Do not repair the vehicle alarm yourself, go to a repair shop to do a reset or repair the alarm system. #sahabatinsurance

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Does Car Insurance Cover Flood Damage?

If you have car insurance, check the benefits you have, as standard auto insurance policies do not have flood protection.

This explanation is contained in the Indonesian Motor Vehicle Insurance Standard Policy (PSAKBI) article 3. It states that insurance will not replace and guarantee losses, damage, costs for motorized vehicles caused by: 3.2. earthquake, volcanic eruption, hurricane, storm, tsunami, hail, flood, puddle, landslide or other geological or meteorological phenomenon.

In order for the car to be guaranteed from these risks, you must expand to protect the vehicle from losses due to flooding.

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How can I protect my home from flooding?

Home Insurance protects your home and possessions from fire, lightning, explosions, airplane crashes and smoke or abbreviated as FLEXAS (Fire, Lightning, Explosion, The Impact Of Falling Aircraft, And Smoke). In addition to home insurance benefits, you can add on an extention benefit that protects your home damage due to floods, storms, hurricanes and water damage.
You can contact Sahabat Insurance at 021-50508080 for further information.
(Source: sikapiuangmu.ojk.go.id)

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Tips: How to Choose CCTV for Your Home

Surveillance technology that relies on Close Circuit Television (CCTV) is increasingly developing nowadays. CCTV can help you in the event of a crime, demolition or other event that poses a risk to the security of your home.
CCTV is not just a camera and recorder, this tool already offers a high level of security that combines audio, face detection and infrared features, as well as quality night vision recording.
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What should you do when you want to buy a CCTV camera for your home?
1. Analog CCTV camera, for longer recording duration
Analog CCTV cameras consist of special cameras and monitors that work only by being connected to a power source (power supply). This is the main advantage of this type of CCTV camera. In addition, some products of this type of camera can be connected to an external hard disk. As a result, you can get a longer video recording duration.

2. How to Choose a Wi-Fi CCTV Camera, for more flexible checking
Most CCTV cameras for homes that are marketed are IP cameras or Wi-Fi cameras (network cameras). This type of camera is connected through the internet network, then you can check it through the application on the cellphone. The advantage of this camera is that the price is much more affordable than analog CCTV cameras.

3. Camera Resolution
CCTV cameras have different types of quality from one another. For example, with HD or TVL quality. This selection is also adjusted to the needs and available budget so that the camera runs effectively.

4. CCTV data storage
Data storage capacity for CCTV is very diverse. You can choose a capacity of 16 GB to 1 TB. Not only that, the storage capacity can be increased by adding an additional hard drive.

5. Choose a camera that can capture objects clearly, even in dark places
If you still want to see the darkness of the night, choose a CCTV camera that is equipped with the function of capturing images in dark conditions. There are several types of cameras that have this function, for example cameras with infrared and cameras with night vision.

Protect your home from possible risks, call us at 021-50508080.

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