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.
How can I protect my home from flooding?
Home Insurance protects your home and possessions from fire, lightning, explosions, airplane crashes and smoke or abbreviated as FLEXAS (Fire, Lightning, Explosion, The Impact Of Falling Aircraft, And Smoke). In addition to home insurance benefits, you can add on an extention benefit that protects your home damage due to floods, storms, hurricanes and water damage.
You can contact Sahabat Insurance at 021-50508080 for further information.
How to save your electricity bill
To save on the use of electricity that you use, then you must know in advance what objects are consuming a lot of power. In addition to air conditioning, it turns out that water pumps, refrigerators, washing machines and computers consume large amounts of electricity. So don't be surprised if during WFH, your electricity bill swells. Once you know that, then you have to reduce the frequency of using the equipment. Turn off the air conditioner and lights during the day, and use them only at certain times. If you are watching TV, turn off the television when you are no longer watching it to save electricity.
Electrical power that is too large can cause a short circuit and fire, you know, friend.
Make sure your home has been covered by insurance to protect it from the risk of fire that may occur. Contact us for questions regarding home protection from fire losses.
The Benefits of Home Insurance
Home is we should feel secure and comfortable. Imagine if your house is on fire or lightning hits your house? Imagine the cost to repair or replace your personal belongings if they are damaged or stolen.
Home insurance protects property and its contents, such as houses, offices, shops, factories, and personal warehouses from damage and loss caused by fire, burglary, riots, floods, and earthquakes.
Home insurance provides a sense of security from risks or disasters that may occur.
Renovation costs for homes that have suffered heavy damage due to natural disasters or fires are certainly very expensive. There are many unexpected expenses when doing home repairs, from hiring a handyman, repairing the foundation to the roof of the house, and much more. Home insurance protects you from financial losses due to home repairs at no small cost.
For more information about home or property insurance you can contact us at 021-50508080 or email to [email protected]