The Danger of Aquaplaning

Terakhir Diubah : 08:11:29 - Wednesday, 02 March 2022

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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Factors Affecting Your Car Insurance Premium

Type of Coverage and Insurance Extension
The premium amount will be influenced by the type of coverage and also the insurance extension you choose. Generally, there are two types of coverage that you need to know, Comprehensive and Total Loss Only (TLO). With different types of insurance coverage available, the resulting premium is going to be affected. A comprehensive package with numerous features will naturally cost more than a lower-tier option. The same goes for optional extras, should you wish to add them on to your existing policy.
When buying insurance, it's crucial to carefully consider the coverage limits and ensure they align with your potential risks and needs.

Vehicle Age
The age of a vehicle is a key factor in determining car insurance premiums, both for comprehensive and Total Loss Only (TLO) policies. The Financial Services Authority (OJK) regulates which vehicles are eligible for comprehensive and TLO insurance in Indonesia.

Location
Motor Vehicle Insurance premiums are indeed affected by the area where the vehicle is primarily used. Insurance companies assess risks based on location, with areas experiencing higher accident rates, theft, or severe weather events often resulting in higher premiums.

Vehicle Usage
Car insurance premiums are indeed calculated based on risk, and vehicle usage is a significant factor in determining that risk level. Cars used for different purposes, like private, official, or commercial use, have varying levels of risk, and this is reflected in the premiums charged by insurance companies.

Always double check every policy guarantee and insurance premium offer according to your needs. Contact Sahabat Insurance marketing team for more info via WA 021-50508080.

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Benefit of Health Insurance

Health is very expensive. Moreover, it turns out that you or a family member need treatment and care that requires large costs but the savings are running low. You avoid worrying because you already have health protection through health insurance.
In addition to getting the maximum treatment and care at the best hospital, you can protect your finances, insurance will help according to the policy you have.
Therefore, when buying an insurance policy, you must pay close attention to each type of health insurance, the premiums and benefits that you will get as a policyholder.
In addition to protecting our finances from losses, other benefits also exist in other benefits. Such as surgery, hospitalization, specialist doctors who will help you during treatment. Call us at 021-50508080 for health insurance info.

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5 Tips for Millennial Home Buyers

As true millennials, of course you want to have a home so that you have a bright future with your family.
So if you’re a millennial looking to buy a house, here are five things you can do to make As true millennials, of course you want to have a home so that you have a bright future with your family. Here are some steps you can take to make your dream come true.

1. Check financial ability
First, prepare a balance sheet including income and expenses.

2. Create a budget
Do some research and learn about several possible ways to pay for a house other than the cash payment method. For example mortgages, or by other methods.

3. Set priorities
From an existing financial plan, make priorities so you can focus on one thing. For example, you plan to take a mortgage. So, your first focus is to fulfill the downpayment first.

4. Investment
Investment can help to develop assets against inflation. For example, for a house down payment, set aside 30% of your salary to the appropriate investment instrument. Over time, with consistency, the budget for a home down payment will be fulfilled properly.
Investment can also be an alternative choice for saving emergency funds. You can save this emergency fund in an instrument with a low level of risk.
In addition to an emergency fund, pay attention to insurance, if you are the head of the family. So, make sure that you have complete protection first, then execute your financial plan.

5. Discipline
The discipline to implement a detailed and comprehensive financial plan is very important. For example, keeping your installments under 30% of your regular salary if you take a mortgage scheme is crucial.

Note that 30% includes all existing debt repayments. So, if your main intention is to buy a house, then you should focus on this plan first.

In addition, plans to buy a house require a long-term disciplined commitment. Therefore, start being disciplined in executing your financial plan. With some of the tips above, you can try to realize your dream of buying a house. Good luck!

Source: https://mediakeuangan.kemenkeu.go.id

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Car engine sizes: What you need to know

A key area to consider before purchasing a new car is engine size; the size of a car engine will have a large impact on the performance, economy and value of a vehicle. But what does engine size mean and how should it affect your willingness to purchase a car? Here, we’ll take a look at what engine size means and why size doesn’t always matter!Engine size is the volume of fuel and air that can be pushed through a car’s cylinders and is measured in cubic centimetres (cc).

Car engine sizes are normally specified in litres, which is rounded up to the nearest tenth of a litre.As you can likely imagine, larger engines with an increased capacity for fuel and air require more fuel than smaller engines. This is especially true if you’re quick to accelerate or drive at maximum speeds on long motorway journeys.

Engine capacity is the volume of all the pistons in the engine cylinder as measured by the maximum movement from top to bottom. So, the greater the CC of the vehicle's engine, the greater the power produced.

For more info about Car Insurance, please call Sahabat Insurance 021-50508080.

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