Insurance Requirements and Claim Procedures Motor Vehicle Insurance

Terakhir Diubah : 04:11:38 - Tuesday, 13 September 2022

Did you know, Motor Vehicle Insurance is a type of insurance or coverage that provides a guarantee or protection for loss, damage, loss caused by the risks guaranteed in the Motor Vehicle Insurance policy.
Loss and/or damage to the Motor Vehicle and/or the insured interest which is directly caused by:

Collision, impact, tipping over, slipping, or slipping;
The evil deeds of others;
Theft, including theft that is preceded or accompanied or followed by violence or threats of violence as referred to in Article 362, 363 paragraphs (3), (4), (5) and Article 365 of the Criminal Code;
Fires, including:

a. Fire due to fire of other objects adjacent to or storage of Motorized Vehicles;

b. Fire due to lightning strike;

c. Damage due to water and/or other tools used to prevent or extinguish fires;

d. The destruction of all or part of the Motorized Vehicle by order of the competent authority in an effort to prevent the spread of the fire.

Loss and/or damage caused by the above-mentioned events as long as the relevant Motor Vehicle is on board the ship for crossings under the supervision of the Directorate General of Land Transportation, including loss and/or damage caused by the ship in question having an accident.

Insurance Closing Requirements and Procedures Requirements to be insured:

Fill out the SPPA, with your ID card
Have an insurable interest in the object of coverage to be insured

Claim reports are made within a maximum period of 5 x 24 hours after the incident to Sahabat Insurance call center 021-50508080 or via email to [email protected] or visit the nearest Sahabat Insurance Branch Office.

Claim Documents
1. Fill out / complete the claim form
2. Photocopy of insurance policy
3. Photocopy of SIM and STNK
4. Local Police Certificate for vehicle claim in case of partial loss, total loss or involving a third party.

For more information, please see link below
Riplay Motor Vehicle Insurance - Sahabat Insurance

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Small businesses need insurance coverage to protect them against risk and financial loss. Small business owners need to do their research to determine the types of insurance they need and to find the best policies for their business model. Small business insurance is crucial for protecting your business and personal assets in the event of an unexpected catastrophe.Consider all the different risks that could harm your business, from lawsuits, theft to car accidents to natural disasters. Write them all down so you can find coverage options that protect against those particular risks.Go over the details of your business with the insurance. They will know all the questions to ask to determine the coverage you need. You’ll just need to be prepared with the proper documentation so you can answer all their questions. If you have your own questions about insurance policies, make sure to ask them during the meeting. Call us 021-50508080 for more info.

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Sahabat Insurance Supports Actuarial Olympiad and Insurance Literacy Competition

Jakarta, Monday, February 9, 2026 — Sahabat Insurance reaffirmed its commitment to strengthening national financial literacy by supporting the Insurance & Actuarial Olympiad and the Insurance Literacy Competition organized by STMA Trisakti. The event brought together 442 participants from 20 provinces across Indonesia, reflecting strong public enthusiasm for increasing knowledge and awareness of insurance and actuarial science. Participants came from diverse backgrounds, including high school students, university students, as well as teachers and lecturers.

Sahabat Insurance’s Commitment to National Insurance Literacy
Sahabat Insurance’s involvement in this event is part of the company’s corporate literacy program, implemented in line with recommendations from the Financial Services Authority (OJK). By supporting educational initiatives such as this competition, Sahabat Insurance aims to broaden public understanding of insurance and highlight the vital role of actuarial science in risk management and financial planning. Improved insurance literacy is expected to help the public:

Better understand the benefits and functions of insurance
Make smarter and more responsible financial decisions
Strengthen financial resilience for the future

Encouraging Insurance and Actuarial Awareness Among Young Generations
The Actuarial Olympiad and the Insurance Literacy Competition organized by STMA Trisakti serve as a strategic platform to:

Foster interest in the insurance and actuarial industry among young people
Enhance understanding of risk management, protection, and financial planning
Develop high-quality human resources with strong competitiveness in the financial sector

By involving students, educators, and academics, this competition is expected to create a sustainable educational impact within schools and higher education institutions.

Sahabat Insurance and the Future of Financial Literacy in Indonesia
Sahabat Insurance believes that strong insurance literacy is a fundamental pillar in building a financially resilient society. Supporting national educational initiatives such as this competition represents the company’s ongoing commitment to advancing financial literacy and inclusion in Indonesia.

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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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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.

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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.

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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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