Travel Safety Tips for Solo Traveller
Terakhir Diubah : 13:49:05 - Selasa, 11 Januari 2022
Here are six suggestions to help you feel more secure when traveling alone: 1. Share Your Travel Plans With Trusted Family or Friends and Stay Connected. 2. Share your adventure on Social Media 3. Make a Travel Journal 4. Secure Your Identity on email, drive or clouds 5. Avoid Reckless Behaviors and Use Common Sense. 6. Get Travel Insurance.
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.
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.
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.
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%.
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.
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
Hail phenomenon in Indonesia
A number of areas in the city of Surabaya were hit by heavy rain accompanied by strong winds and large amounts of ice on Monday (21/2/2022) at around 14.50 WIB. So what causes hail? Hail occurs because there is a temperature difference in the clouds and the earth's surface is reached. So, the air temperature on the earth's surface is very hot while Cumulonimbus (CB) clouds in the sky have very low temperatures, which can reach minus 80 degrees. So that when it rains, the ice has not melted and there is hail. Then can a vehicle damaged by hail be covered by insurance? You have to re-check your vehicle policy, whether hail is a natural disaster covered by your Vehicle Insurance. For information about vehicle protection, contact us at 021-50508080.
How to Get Insurance for Your Small Business: Smart Tips for Better Coverage
Small businesses need insurance coverage to protect them against risk and financial loss. Small business owners need to do their research to determine the types of insurance they need and to find the best policies for their business model. Small business insurance is crucial for protecting your business and personal assets in the event of an unexpected catastrophe.Consider all the different risks that could harm your business, from lawsuits, theft to car accidents to natural disasters. Write them all down so you can find coverage options that protect against those particular risks.Go over the details of your business with the insurance. They will know all the questions to ask to determine the coverage you need. You’ll just need to be prepared with the proper documentation so you can answer all their questions. If you have your own questions about insurance policies, make sure to ask them during the meeting. Call us 021-50508080 for more info.