Benefit of Personal Accident Insurance
Terakhir Diubah : 15:23:53 - Rabu, 02 Februari 2022
Third Party Legal Liability (TPL)
Accidents happen unexpectedly. For example, if your car accidentally hits another vehicle or a pedestrian. In addition to the damaged car, you also have to compensate for the vehicle or injured victim. To anticipate this, you need to know the third party's Legal Liability (TJH).
Third Party Legal Liability (TPL)
Is legal liability of the Insured against loss, suffered by third party followed by indictment to the Insured regarding the loss directly caused by the Motor Vehicle resulting from any risk covered by the policy, whether the settlement thereof is by compromise, mediation, arbitration or through court, subject to prior written consent of the Insurer. The coverage will be provided for third’s party property damage; medical expenses, bodily injury and/or death; maximum of sum insured for Legal Liability coverage against any Third Party as set forth in the policy for any one accident.
For more information about Third Party Legal Liability (TPL) please call 021-50508080.
Tas hilang saat travelling! Apa saja yang harus dilakukan?
You’ve just gotten off the plane and you’re in a new country, ready for an amazing vacation! But time passes and the bags from your flight is missing. Do not panic. Here are the steps you must take if you lose your items while on vacation abroad:
Report to the nearest police station
Immediately report it to the nearest police station. Although the item may not necessarily be found, at least you will get a loss certificate which of course you really need for an insurance claim.
Come to the Embassy of the Republic of Indonesia (KBRI)
If the lost item is a passport, immediately go to the local Indonesian Embassy (KBRI) or the local Consulate General of the Republic of Indonesia (KJRI) to arrange for making a Passport-like Travel Letter (SPLP) as a passport replacement.
The next step is to make a claim to the insurance. Contact Travel Insurance Sahabat Insurance and prepare the required documents, including: boarding pass/ticket, passport, loss certificate from the police, receipt of the claimed item (if not available, then include information on the type of item and the price of the item claimed), Travel Letter Like a passport and receipt for making a new passport if the lost passport is. Documents that must be completed may vary depending on your claim needs. Immediately complete the documents requested by the insurance so that you can get an insurance claim quickly.
For Travel Insurance, please call Sahabat Insurance 021-50508080.
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.
5 Tips for Millennial Home Buyers
As true millennials, of course you want to have a home so that you have a bright future with your family.
So if you’re a millennial looking to buy a house, here are five things you can do to make As true millennials, of course you want to have a home so that you have a bright future with your family. Here are some steps you can take to make your dream come true.
1. Check financial ability
First, prepare a balance sheet including income and expenses.
2. Create a budget
Do some research and learn about several possible ways to pay for a house other than the cash payment method. For example mortgages, or by other methods.
3. Set priorities
From an existing financial plan, make priorities so you can focus on one thing. For example, you plan to take a mortgage. So, your first focus is to fulfill the downpayment first.
Investment can help to develop assets against inflation. For example, for a house down payment, set aside 30% of your salary to the appropriate investment instrument. Over time, with consistency, the budget for a home down payment will be fulfilled properly.
Investment can also be an alternative choice for saving emergency funds. You can save this emergency fund in an instrument with a low level of risk.
In addition to an emergency fund, pay attention to insurance, if you are the head of the family. So, make sure that you have complete protection first, then execute your financial plan.
The discipline to implement a detailed and comprehensive financial plan is very important. For example, keeping your installments under 30% of your regular salary if you take a mortgage scheme is crucial.
Note that 30% includes all existing debt repayments. So, if your main intention is to buy a house, then you should focus on this plan first.
In addition, plans to buy a house require a long-term disciplined commitment. Therefore, start being disciplined in executing your financial plan. With some of the tips above, you can try to realize your dream of buying a house. Good luck!