These are the fines and dangers of taking shelter under a JPO or Flyover

Terakhir Diubah : 04:13:58 - Tuesday, 16 November 2021

During the rainy season, motorcyclists usually take advantage of the JPO (Jembatan Penyeberangan Orang), underpasses, or flyovers for shelter. Unfortunately, this turned out to be a violation of traffic laws and regulations.Stopping on the shoulder of the road like that is not only a danger to yourself but also other motorists. The movement and speed of the vehicle will also be hampered.The prohibition on stopping carelessly is stated in Law No. 22 of 2009 concerning Road Traffic and Transportation (LLAJ). Precisely in article 106 paragraph 4 which reads that everyone who drives a motorized vehicle on the road must comply with the following provisions:
Command Signs or Prohibition Signs
Road markings
Traffic Signaling Tool
Traffic Movement
Stop and Park
Warning
As for the criminal provisions related to road marking violations, it is stated in Article 287 paragraph 3. It reads, every person who drives a motorized vehicle on a road that violates the rules of traffic movement, shall be punished with imprisonment for a maximum of 1 (one) month or a fine of a maximum of Rp. 250,000.

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Car Insurance Protection

We really never know about things that might happen in the future. For that, it is also important that you have protection from various risks, in this case regarding the car, such as the risk of damage to loss. Pity your expensive car is damaged? Moreover, because there is no protection, you also have to pay dearly for the cost of repairing it.

Vehicle insurance is useful to protect you from losses due to accidents. What are some examples of vehicle insurance benefits and protections?

In general, examples of types of car insurance consist of total loss only (TLO) car insurance and all risk (comprehensive) car insurance.

1. Total Loss Only Car Insurance Benefits (Total Loss/TLO Car Insurance)
As the name implies, total loss only (TLO) car insurance offers car insurance benefits in the form of claims that can only be made if there is a total loss. The total loss in question is damage that occurs above 75% or loss due to theft or confiscation. The amount of damage of 75% is used as a benchmark because the car will certainly not be able to be used again.

2. All Risk (Comprehensive) Car Insurance Benefits
All risk insurance is a long-term and comprehensive protection insurance, it protects the vehicle from losses, for example from accidents, other people's evil deeds, fire, and others.

Ask us about vehicle insurance via the WhatsApp chat application or contact us at the Sahabat Insurance call center 021 - 50508080

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What is Tidal Floods?

Tidal floods have occurred again in the northern area of Jakarta. This time the flood extends to the Thousand Islands. Then what is the Rob Flood? Tidal flood is a flood that occurs due to rising sea levels towards the surrounding land. Rob floods can be caused by the push of water to the surface, wind, storms at sea and the melting of polar ice that is triggered by global warming.
Tidal floods often occur in areas near the sea and will get worse if the ground level in the area drops (due to development and depletion of ground water).

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Sahabat Insurance received award from the 25th Infobank Insurance Award 2024

Sahabat Insurance received Excellence award from the prestigious the 25th Infobank Insurance Award 2024 in the General Insurance Category with Gross Premium IDR 500 Billion - < IDR 1 Trillion, on Friday, July 26 2024. This rating is based on the performance of these insurance companies as stated in the audited and published financial reports for the full working year 2023.

Sahabat Insurance has received an Excellent predicate according to the Infobank Awards for 4 consecutive years, in 2021, 2022, 2023 and 2024.

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Sahabat Insurance Held APU-PPT Training Programs for Insurance Agent

Jakarta, December 1st 2025 - Sahabat Insurance conducted an APU PPT (Anti–Money Laundering and Countering the Financing of Terrorism) socialization program for all insurance agents as part of the company’s commitment to complying with the regulations set by the Financial Services Authority (OJK).

•This initiative aims to strengthen agents’ understanding of customer identification procedures, reporting of suspicious transactions, and

risk prevention related to money laundering and terrorism financing.

•Objectives of the APU PPT Socialization Ensure all Sahabat Insurance agents fully understand compliance standards according to

applicable OJK regulations.

• Improve service quality and transaction security for customers. Strengthen agents’ roles in detecting and preventing suspicious

activities.

•Protect the company’s reputation and support integrity within Indonesia’s insurance industry.

Topics Covered in the Training During this program, agents receive in-depth information on: Know Your Customer (KYC) principles. Customer data identification and verification procedures. Reporting of suspicious financial transactions to regulators. Company compliance procedures based on OJK regulations.

Sahabat Insurance’s Commitment to Regulatory Compliance Through this APU PPT socialization, Sahabat Insurance ensures that all agents carry out their duties professionally, transparently, and in full compliance with regulations. This initiative also supports national efforts to combat money laundering and terrorism financing within the financial services sector. By conducting regular APU PPT socialization programs, Sahabat Insurance continues to enhance service quality and strengthen corporate compliance to provide customers with the highest level of protection and safety.

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