Is personal accident cover necessary?
Accidents can happen anytime and anywhere - whether you are at home, at work, or even on vacation. Personal accident insurance is useful to get the financial assistance to you and your family in the event of an accident that leads to death, bodily injuries, temporary total disability, permanent total disability and permanent partial disability. Just as it essential to give your family the financial protection in the event of your demise, you must also think about how they would manage in case of an accident that may lead to disability. You must be prepared for such unexpected situations with accident insurance. Make sure that you know the inclusions, exclusions and other terms and conditions of the policy before you sign the policy.Call 021-50508080 for more info about Personal Accident Insurance.
What to Know About Lending Your Car
There are times you may want to help out a friend, or may not be in a state to drive yourself. It’s normal to want to lend you car, or let someone else drive. But, unfortunately, Vehicle Insurance can deny policyholders’ claims if your friend/family /driver is at fault for the accident or stolen car. Vehicle Insurance can deny your claim if your friend/family/driver were in violation of state law when the accident happened. One example of that would be driving without a valid license. Another is if you were driving while intoxicated.
If the car is lend to a friend, driver or family according to your permission and approval, then when the car is lost, commits a crime or is damaged in an accident, Vehicle Insurance can reject the claim according to the Indonesian Motor Vehicle Insurance Standard Policy Chapter II article 1.3 concerning Exceptions, article theft and/or malicious acts committed by: spouses, children, parents or siblings of the Insured; people working for the Insured, people with the knowledge or with the consent of the Insured. For info about Vehicle Insurance please call Sahabat Insurance 021-50508080.
Benefits of Travel Insurance you need to know
Travel insurance is one type of insurance that provides protection while we travel both domestically and abroad. So you can still travel in peace. Especially in an uncertain situation like today. What if when you bought tickets in advance but you got sick, or even worse, the trip had to be canceled for one reason or another at the destination.
Some people may still be unfamiliar with travel insurance, but some countries in the world have even required travelers or newcomers to have travel insurance, for example, countries in Europe and America. What are the benefits of travel insurance?
Basically travel insurance covers for trip cancellation and interruption; emergency medical care; personal accident and it compensates the traveller for additional expenses that may occur due to these losses. However, please note that there are things that are not covered by travel insurance, for example if the destination country is not safe either due to natural disasters, war or terrorism. So, in order to apply for/have this travel insurance, in general, there are several conditions that you must fulfill:
- Photocopy/scan of ID card
- Insurance application form
- Photocopy of passport (for overseas travel)
- Age limit
Driving with smartphone is dangerous!
Playing a smartphone or cellphone can be a problem because it can cause accidents. Someone who drives while playing a smartphone is very possible to lose focus on driving, so they cannot pay close attention to their surroundings. Believe it or not, traffic accidents are also dominated by motorists who lose concentration while driving. In order to minimize the occurrence of accidents due to this, a law was made to make anyone driving more concentrated, disciplined and careful. This is stated in Article 106 paragraph (1) of Law no. 22 of 2009 concerning Road Traffic and Transportation, which reads, "Everyone who drives a motorized vehicle on the road must drive his vehicle fairly and with full concentration."
Then, the sanctions received for violating these rules have also been stated in article 283, Law no. 22 of 2009 concerning Road Traffic and Transportation, motorists may be subject to a maximum imprisonment of 3 (three) months or a maximum fine of Rp. 750,000.00 (seven hundred and fifty thousand rupiah).