How to Avoid Surprise Costs During the Home Renovation

Terakhir Diubah : 09:41:55 - Kamis, 30 Juni 2022

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!

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Omicron, symptoms and how to deal with it

Based on the results of the study, the most common characteristics that indicate a person is infected with the omicron variant of the Covid-19 infection are as follows:

1. Sore throat but no cough
A sore throat accompanied by a cough is one of the common symptoms when someone is declared infected with the Covid-19 virus.

But in the Omicron variant, the sore throat tends to be itchy, dry, even without coughing.

2. Muscle and joint pain
Reporting from the Gavi.org page, the first reports of Omicron symptoms in South Africa showed a reaction to lower back pain.

In addition, this pain also continues to spread to several other areas such as joints, and muscle pain (myalgia).

3. Fatigue
Another symptom of Omicron is fatigue so that the body becomes weak and even easily feels tired even though it is not strenuous activity.

These signs of fatigue are constant because they are usually felt by other variants of Covid-19 sufferers.

4. Headache
A painful headache accompanied by a fever like the flu is an inflammatory reaction that the body is fighting a virus.

In Omicron symptoms, this headache feels throbbing, pressured, and sometimes accompanied by a stabbing feeling of mild to severe intensity.

5. Don't lose your sense of smell
In the previous Covid-19 variant, infected patients will experience impaired sense of smell and taste.

But for the Omicron variant, it's the opposite. Patients do not lose their sense of smell and taste so they still feel normal as usual.

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vehicle insurance terms

Often confused to see the term vehicle insurance? Don't worry, Friends of Insurance are ready to help with terms that are often used in Vehicle Insurance.
Insurance policy
You may have heard this term many times, but do you really know the meaning behind it? Policy and insurance policy have almost the same meaning, an insurance policy is an agreement or agreement between the policyholder and the insurance company to perform obligations such as loss or damage protection that has been agreed by both parties.
Insurance premium
A word you will also hear often is premium. In short, the premium is the value or nominal payment agreed by the policyholder with the insurance company. The amount of premium to be paid will also be listed on your vehicle insurance policy.
Sum Insured
Simply put, the price of coverage is the purchase price of a motor vehicle when you make an insurance policy. This purchase price will be listed in the policy and will later become the maximum limit of the liability value of the insurance company if you make a claim at any time.
Total Loss Only or TLO
Well, this one term is very closely related to car insurance. Total Loss Only or TLO is one of the most common types of vehicle insurance in Indonesia. If you choose Total Loss Only motor vehicle insurance, it means that in the event of a loss or damage the insurance will provide repair or replacement costs of only 75%.
All Risk
Just like the term TLO, all risk is also related to the type of insurance you can choose for your vehicle. The difference between the two is that all risk insurance will accept all claims for loss or damage to a motorbike or car up to 100%.
Deductible or Own Risk
Deductible, own risk, or own risk have the same meaning, namely the value that becomes your burden for each damage or loss that occurs. This burden or value is usually calculated from the amount of compensation to be paid. As a policyholder you must really pay attention to these details in the insurance policy purchased.
TJH III or Third Party Legal Liability
In simple terms, TJH III talks about the liability guarantee that will be given by the insurance party to a third party if the insured vehicle suffers a loss or damage. You can ask the insurance party for points regarding Third Party Legal Liability when making a policy.
At least you need to understand the terms mentioned above, besides that, pay attention to the points that talk about losses caused by natural disasters, riots or acts of terrorism. Don't forget to read the motor vehicle insurance policy in full and in detail so that you know exactly what protection you have.
If you still want to find out more details or complete information about vehicle insurance, you can find all the information at www.sahabatinsurance.id or call 021-50508080.

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Sahabat Insurance Received Indonesia Best Insurance Awards 2024 From Warta Ekonomi

Sahabat Insurance received Indonesia Best Insurance Awards 2024 from Warta Ekonomi as Indonesia Best General Insurance 2024 For Increasing Brand Awareness Through Financial Inclusion with category General Insurance, Total Assets Below 1T at Hotel Sultan Jakarta, Tuesday, October 31st 2024.

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Tips for Driving in the Rain

Driving in rain, whether a sprinkle or a heavy downpour, can be one of the most difficult driving situations a driver encounters. If it’s been raining heavily, you need to be careful as you drive and not hit puddles at spend. Rainy day increase the risk of Aquaplaning.

Aquaplaning or hydroplaning by the tires of a road vehicle, when a layer of water builds between the wheels of the vehicle and the road surface, leading to a loss of traction that prevents the vehicle from responding to control inputs. If it occurs to all wheels simultaneously, the vehicle becomes, in effect, an uncontrolled sled or an accident.

The best strategy is to avoid contributors to aquaplaning. Proper tire pressure, narrow and unworn tires, and reduced speeds from those judged suitably moderate in the dry will mitigate the risk of aquaplaning, as will avoidance of standing water or flood.

For more information about car insurance please call Sahabat Insurance at 021-50508080 (call/WA).

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