Sahabat Insurance Goes To School

Terakhir Diubah : 22:33:06 - Rabu, 25 September 2024

Financial literacy is a crucial skill that impacts nearly every aspect of life, from managing personal finances to making informed decisions about investments and savings. One often overlooked yet vital component of financial literacy is insurance literacy. Many young adults enter the workforce or higher education without a basic understanding of insurance, its importance, or how to navigate the myriad of options available. In order to support government and The Financial Services Authority (OJK) programs, Sahabat Insurance Sahabat Insurance Goes To School was held at Insan Cendikia Magnet School in Bogor on Tuesday, September 24 2024.

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What is Water Hammer?

Have you heard about water hammer? Water hammer is the result of a pressure surge, or high-pressure shockwave that propagates through a piping system when a fluid in motion is forced to change direction or stop abruptly. This shockwave is also commonly referred to as a hydraulic shock or hydraulic surge, and may be characterized by a marked banging or knocking sound on the pipes immediately after shutoff.This can happen if you pass through a flood with a water level of more than 50 cm
This term is also called hydrolocking, where water enters through the air filter so that the engine stops suddenly. The second problem can also be caused by water entering the lubrication system so that it mixes with the oil.

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Safety Tips For Your Home

When you are away or while you are at home, sometimes you are worried about the condition of the house that is prone to theft. Beware of house theft! Here are some tips to keep your house safe from thieves.

Check home security
Before you leave the house or go to bed, make sure you lock the doors and close the windows throughout the house. Most thieves will aim for targets that are easy for them to break into. Start locking all entrances such as the front fence, doors, to all windows since eight o'clock at night. If necessary in some major logins, you can use a double lock.

Store valuables or electronics
It could be that after playing with your cellphone or laptop, you just carelessly leave it on the sofa. Items no matter how small the value will make a loss if lost. Check different corners of the house to collect these items and store them in a place where they can't be easily seen by others.

Use CCTV to help you
CCTV can help you to check the security of your home while you are away on your smartphone.
Reduce sharing your privacy on Social Media
Sometimes during your free time, you accidentally share the condition of your house and location. Avoid showing off the condition of your house on social media or sharing the location of your house, so you don't risk bringing unwanted things

Use Home Insurance
Home insurance can help you in the event of an unexpected loss, such as a fire, burglary or even a flood. Call us for the insurance plan you want at 021-50508080.

The condition of increasing crime can indeed worry everyone. But, don't disturb the comfort of all family members at home. Do the simple things above to increase your safety and comfort at home. Stay safe!

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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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What Is an Insurance Policy Period?

An insurance policy period is the time frame during which an insurance policy is effective. Based on chapter IV, article 7 in INDONESIAN MOTOR VEHICLE INSURANCE STANDARD POLICY, it is a condition precedent to liability under this policy, that any premium payable shall have been paid off and actually received in full by the Insurer, in the event of:

insurance period of 30 (thirty) days or more, then settlement of premium payment shall be conducted within a period of 14 (fourteen) calendar days as of the date of inception of this Policy;

such insurance period is less than 30 (thirty) days, settlement of premium payment shall be conducted at the time of issuance of Policy.

In case the Insured fails to fulfill the liabilities as referred to in paragraph above, this Policy shall be automatically terminated without issuing cancellation endorsement starting from the expiry of the grace period and the Insurer shall be discharged from any liability there from.

For more info about Sahabat Insurance call 021-50508080.

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