Safety Tips During Rainy Seasons

Terakhir Diubah : 11:16:20 - Rabu, 10 November 2021

The rainy season has arrived, for those of you who often travel outside the house, the trip can be disrupted. Especially if the rain causes losses such as puddles or even floods that cause transportation to be hampered.
In addition, cold air in the rainy season can also bring various diseases. For that, for the sake of safety and comfort, you must be careful when traveling. Here are some tips to consider when traveling in the rainy season. Many workers choose to use public transportation because they do not want to experience the risk of their vehicles being flooded. So how do you stay safe using public transportation? Prepare spare time earlier than your departure so you are not in a hurry on the road, use non-cash payments, bring an umbrella and maintain health protocols. Office workers choose to use public transportation because they do not want to experience the risk of their vehicles being flooded. So how do you stay safe using public transportation? Prepare spare time earlier than your departure so you are not in a hurry, use non-cash payments, bring an umbrella and maintain health protocols.

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Personal Accident Insurance

No one can predict the future. Accidents can happen anytime and anywhere. Personal accident insurance provides financial coverage against unforeseen events such as accidents causing bodily injury, permanent partial disability or permanent total disability and accidental death. Contact Sahabat Insurance at 021-50508080 for more info.

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The Danger of Aquaplaning

Ever heard of Aquaplaning?
Aquaplaning is a condition in which a vehicle loses control where the main cause is puddles of water, such as rain and flooding. Water that is too large will make it difficult for the car to move or even slip. The main cause of aquaplaning is not only rainwater puddles, but can also be caused by water from other vehicles passing by. When the car passes through a slippery road due to water, it will be dangerous if you are not careful. Car tires will be difficult to control and can result in a collision or accident.
What are the characteristics of aquaplaning?
The first characteristic that can be felt is the sudden sound of the engine sounds louder than usual. This is because the engine that is exposed to the puddle too hard will become hot enough to make a sound.
Sudden change of clutch in gears. Though, you didn't. This condition will make the speed of the vehicle becomes faster so that it is out of control. The next characteristic is, the car feels lighter. This is due to the greater water pressure that can lift and float the car.
In addition, the back of the car on the sides will feel floating. This condition is called fishtailing.

When this happens, slow down slowly and straighten the steering wheel. Do not brake suddenly, find a safe place to stop to avoid an accident.
Contact Sahabat Insurance for information about vehicle protection at 021-50508080.

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International Day of Persons with Disabilities

Happy International Day of Persons with Disabilities December 3, 2021, International Day of Persons with Disabilities is intended to raise public awareness about disability, eliminate stigma against persons with disabilities, and provide support to increase the independence and equal rights of persons with disabilities in various aspects of life.

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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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