Car Insurance Protection

Terakhir Diubah : 09:32:57 - Tuesday, 25 January 2022

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

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Virtual Account - Sahabat Insurance

Virtual Account - Sahabat Insurance

In order to improve the quality of our services, we facilitate premium payments with payment services via Virtual Account (VA) which will be listed on every insurance policy of PT Asuransi Sahabat Artha Proteksi.

A Virtual Account is a digital payment method through an account that is created virtually for each customer. To make payments, customers will be referred to their own Virtual Accounts. A Virtual Account consists of a unique customer ID (you can find it in your premium note).

Following are the procedures for payment via BCA Virtual Account (VA):

m-BCA
1. Open m-BCA, select “m-Transfer”.
2. Select “BCA Virtual Account”.
3. Enter the Virtual Account number and click “OK”.
4. Input your transfer amount and click “OK”.
5. Confirm the transaction detail and click “OK”.
6. Enter m-BCA PIN.
7. Transaction is successful.

ATM BCA
1. Insert your BCA debit card and enter your PIN.
2. Select "Other Transaction”.
3. Select "Transfer”.
4. Select "BCA Virtual Account”.
5. Input "Virtual Account Number" select “OK”.
6. Input your transfer amount and click “OK”.
7. Confirm the transaction detail and click “OK”.
8. Your transaction is complete.

Transfer From Other Bank

Via Apps
1. Oper your Apps, input your code, select “Transfer”.
2. Select “Transfer - Other Bank”.
3. Select Bank BCA (014).
4. Enter your Virtual Account code on Beneficiary Account.
5. Input transfer amount, select “OK”.
6. Confirm the transaction detail, select “OK”.
7. Enter your PIN.
8. Transaction is successful.

Via ATM
1. Insert your card, input PIN, select “Transfer”.
2. Select “Transfer - Other Bank”.
3. Select Bank BCA (014).
4. Enter your Virtual Account code on Beneficiary Account.
5. Input transfer amount, select “OK”.
6. Confirm the transaction detail, select “OK”.
7. Enter your PIN.
8. Transaction is successful.

For more info please call Sahabat Insurance 021-50508080 or email us: [email protected]

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Why Is Car Insurance Important?

Having a car insurance policy gives you complete peace of mind. Motor vehicle insurance cover loss or damage to motor vehicle. Based on Indonesia Motor Vehicle Insurance Standard Policy, car insurance covers any loss and/or damage to Motor Vehicle and/or interest insured directly caused by:
collision, impact, overturning, skidding or falling into, malicious act, theft, fire due to the burning of other
nearby objects or Motor Vehicle garage, fire due to lightning,legal liability and other cause mentioned in
the Policy.

When you choose to buy a car insurance policy, it is important that you do not have to undergo a long and cumbersome procedure. The entire process must be simple and convenient.
Sahabat Insurance are available to answer questions via call center and WhatsApp chats to ensure your issues are resolved without any delays. Call Sahabat Insurance or chat via WhatsApp 021-50508080, email us [email protected]
For more info about Motor Vehicle Insurance please click link below:
https://www.sahabatinsurance.id/files/publication/20220919101029.pdf

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Sahabat Insurance Supports Financial Inclusion at OJK FinExpo Purwokerto 2025

Sahabat Insurance took part in OJK FinExpo 2025 in Purwokerto on October 19, 2025. A strong commitment to promoting financial inclusion and insurance literacy in the community.

The Financial Services Authority (OJK), in collaboration with the Financial Services Industry Communication Forum (FKIJK) Purwokerto, held FinExpo 2025 as the highlight of the 2025 Financial Inclusion Month (BIK) at Rita Supermall Purwokerto on Saturday, October 18, 2025.

This event served as a key moment of collaboration between OJK, local government, and the financial services industry to broaden public access to — and understanding of — formal financial products and services.

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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.

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