What to Know About Lending Your Car

Terakhir Diubah : 16:04:43 - Kamis, 23 Juni 2022

There are times you may want to help out a friend, or may not be in a state to drive yourself. It’s normal to want to lend you car, or let someone else drive. But, unfortunately, Vehicle Insurance can deny policyholders’ claims if your friend/family /driver is at fault for the accident or stolen car. Vehicle Insurance can deny your claim if your friend/family/driver were in violation of state law when the accident happened. One example of that would be driving without a valid license. Another is if you were driving while intoxicated.
If the car is lend to a friend, driver or family according to your permission and approval, then when the car is lost, commits a crime or is damaged in an accident, Vehicle Insurance can reject the claim according to the Indonesian Motor Vehicle Insurance Standard Policy Chapter II article 1.3 concerning Exceptions, article theft and/or malicious acts committed by: spouses, children, parents or siblings of the Insured; people working for the Insured, people with the knowledge or with the consent of the Insured. For info about Vehicle Insurance please call Sahabat Insurance 021-50508080.

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Jakarta's Odd Even Regulations

Jakarta's Odd Even Regulations on 26 road sections has also been stated in the Governor's Regulation number 88 of 2019 concerning Amendments to Regulation Number 155 of 2018 concerning Traffic Restrictions with an Odd Even Regulations

"The results of the meeting agreed that the Odd Even Regulations will be reactivated to Pergub number 88 of 2019 which means that currently through arrangements for 13 roads, this will be reactivated on 25 roads," said Head of the DKI Jakarta Transportation Agency, Syafrin Liputo, Wednesday, May 25, 2022. (liputan6.com)
The following are the locations for the 26 Odd Even Regulations to be implemented:

1. Jalan Pintu Besar

2. Jalan Gajah Mada

3. Jalan Hayam Wuruk

4. Jalan Majapahit

5. Jalan Medan Merdeka Barat

6. Jalan MH Thamrin

7. Jalan Jenderal Sudirman

8. Jalan Sisingamangaraja

9. Jalan Panglima Polim

10. Jalan Fatmawati

11. Jalan Suryopranoto

12. Jalan Balikpapan

13. Jalan Kyai Caringin

14. Jalan Tomang Raya

15. Jalan Jenderal S Parman

16. Jalan Gatot Subroto

17. Jalan MT Haryono

18. Jalan HR Rasuna Said

19. Jalan D.I Pandjaitan

20. Jalan Jenderal A. Yani

21. Jalan Pramuka

22. Jalan Salemba Raya sisi Barat

23. Jalan Salemba Raya sisi Timur mulai dari Simpang Jalan Paseban Raya sampai Jalan Diponegoro

24. Jalan Kramat Raya

25. Jalan Stasiun Senen

26. Jalan Gunung Sahari.

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What is Own Risk?

Hi, Sahabat! If you have vehicle insurance, you must recognize some insurance terms so as not to get confused.

When purchasing a vehicle insurance product, you will be introduced to the term Own Risk (OR). Own risk can be interpreted as payment of compensation costs made by the vehicle owner or the insured for any loss and or damage that occurs when submitting a claim. If you do this, it means that you already know your responsibilities as a vehicle owner. As a form of your sense of responsibility to always be careful when driving. The standard, in accordance with OJK Letter No. 6 of 2017 stipulates that the current OR fee is a minimum of IDR 300,000 per incident.

Please note, standard car insurance policies actually only cover loss or damage caused by accident, collision, impact, overturning, slipping, or falling; evil deeds; theft; as well as fire and all risks covered by the motor vehicle insurance policy. However, if due to a disaster caused by natural disasters such as rain, flood, tsunami, hurricane, hail, tsunami, a product is provided in the form of an extension to protect your car from the causes mentioned above.

If you want to get further explanation regarding self-risk calculation or car insurance closing procedure through Sahabat Insurance Customer Service Online, we are happy to answer your questions via our hotline at 021-50508080 or Whatsapp 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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Parking: Shift to “P” Or Pull the Handbrake First?

The parking brake is essential to your safety and those around you. If you have an automatic gearbox, apply the handbrake first, then put it in P. This ensures that the car’s weight isn’t resting on the parking pawl. If you don’t use the handbrake, you’ll be putting constant pressure on the parking pawl and transmission components which will eventually fail, leading to costly repairs.

Your car’s brakes are controlled by something called a parking pawl.The parking pawl locks the transmission's output shaft to the transmission casing by engaging a pawl (a pin) that engages in a notched wheel on the shaft, stopping it (and thus the driven wheels) from rotating.When you shift into “P” first, the weight of the car rests on that tiny metal bit we call the parking pawl. That’s not great. When you do this, you will hear the unpleasant “clunk” when shifting out of “P” later.

If you have an automatic transmission, apply the handbrake first, then put it in P. Shifting to 'P' before pulling the handbrake is how you damage your automatic transmission.

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