Whistleblowing System

Terakhir Diubah : 03:13:03 - Thursday, 04 May 2023

In order to support Good Corporate Governance, especially in the implementation of the Anti-Bribery Management System within the Company, Sahabat Insurance provides a channel for conveying information regarding indications/allegations of integrity deviations which can result in fraud, abuse, corruption, collusion, nepotism, gratuities, price inflation. or budget, bribery, money laundering, embezzlement, extortion, and other conflicts of interest that will/have been committed by employees or Company Business Partners.

Reporting of violations is addressed to the Whistleblowing Team and submitted in writing via the whistleblowing media as follows [email protected];

Whistle blowers can report indications/allegations of violations through the Whistleblowing System with the following terms and conditions:

Include valid evidence in the form of data, clear information on the occurrence of violations in connection with the indications/allegations of irregularities previously mentioned.
Reports are made in good faith and are not a complaint against a person, a particular company or slander.
The reporter must provide complete information about his identity to facilitate communication including full name, telephone number or email address where he can be contacted.

Sahabat Insurance maintains the confidentiality of reporting data from unauthorized parties and provides:
• The confidentiality of the identity of the reporting person is ensured as well as
• The confidentiality of the information.

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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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Vehicle Identification Number (VIN)

In general, each car has a unique vehicle identification number or NIK. This number consists of 17 characters, combines letters and numbers and is considered the birth certificate of the car. In fact, it is an international code created to facilitate car identification. NIK is also known as the Vehicle Identification Number (VIN). NIK stores a lot of information such as car history records, car variations and models, where they were made, specifications, and much more. This number can be found on different parts of the car such as the driver's door, chassis, hood, dashboard and under the front passenger seat depending on the type of car you have.

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Insurance Policy and Stamp Duty

Insurance is an agreement between two parties, namely the insurance company and the policyholder (UU 40/2014). Referring to the above, an insurance policy is an agreement document between the insurer and the insured, so that the insurance policy is subject to a stamp duty (Rp 10.000). Stamp duty is charged on the amount of the premium paid in relation to a policy of general insurance.

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Sahabat Insurance achieved “excellence” predicate by infobank magazine

PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) achieved “excellence” predicate and successfully maintain its performance as one of the best in the group of general insurance for 3 consecutive years, in 2021, 2022 and 2023 according to Infobank Magazine.

Sahabat Insurance won 2nd place in the category of General Insurance Companies with Gross Premiums of IDR 250 billion to IDR 500 billion in 2023 (2022 performance).

The growth in gross premiums for Asuransi Sahabat Artha Proteksi is one of the highest in its group. On an annual basis, the gross premium for Asuransi Sahabat Artha Proteksi grew 70.51% from IDR 255.79 billion in 2021 to IDR 436.14 billion in 2022. The gross premium growth far exceeded the general insurance industry which was 16.87%.

On the profitability side, the company's profit before tax was recorded at IDR 20.21 billion or grew 26.83%. Meanwhile, investment grew 23.07% to IDR 397.47 billion. For this achievement, Asuransi Sahabat Artha Proteksi received the “excellence” rating in this insurance rating. (Source: infobank July 2023)

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