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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Difference of insurance, savings, investment

What is the difference between insurance, savings and investment? Before we know the difference, it is better if we know the meaning first.

According to the Big Indonesian Dictionary (KBBI), insurance is coverage, an agreement between two parties. Meanwhile, the definition of insurance is quoted from the Financial Services Authority (OJK), which is an agreement between an insurance company and a policy holder which is the basis for receiving premiums by insurance companies as compensation in the form of replacing or reducing losses.
Meanwhile, the definition of savings as reported by the Financial Services Authority (OJK) is money deposits in banks whose withdrawals can only be made according to certain conditions. Generally, banks will provide a passbook that contains information on all the transactions you have made and an ATM card complete with a personal number (PIN). In its current development, there are several types of savings that no longer use passbooks but internet/mobile banking.
Investment is investment, usually in the long term for the procurement of complete assets or the purchase of shares and other securities for profit.

Now, after knowing the meaning, let's see what the difference is:

1. Insurance is to provide protection against risks that may occur to your assets in the future, savings are a means to save wealth from unused income while investment is an investment of funds in the long term to earn profits.

2. Insurance has an element of necessity because it is bound by a contract in the policy, savings and investment are more flexible and according to the ability of each individual.

3. While the risks that may occur will be protected in insurance according to the terms and conditions in the policy, while the investment risk depends on market conditions.

Well, hopefully this article provides information about insurance, savings and investment. For further inquiries regarding insurance and how to claim, you can contact us at 021-50508080

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Christmas Charity with Sahabat Insurance

PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) held its annual Christmas event “Donasi Sahabat Insurance Peduli: Berbagi Kasih Natal” on Tuesday, December 19th 2023. This donation was delivered directly to SOS Children’s Village located in Cibubur, East Jakarta.

Quoted from the official website www.sos.or.id, SOS Children's Village is a non-profit, non-governmental social organization that is active in supporting children's rights and is committed to providing children who have or are at risk of losing parental care with their main needs, family and a loving home. Currently SOS Children's Villages Indonesia is spread across 9 regions in Indonesia from Banda Aceh to Flores.

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Sahabat Insurance Christmas Charity at Bukti Kasih Orphanage In Surabaya

PT Asuransi Sahabat Artha Proteksi Holds Christmas Charity 2025 in Surabaya
In celebration of Christmas 2025, PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) organized a Christmas Charity event on December 18, 2025, at Bukti Kasih Orphanage, Surabaya. This initiative reflects the company’s commitment to sharing love, compassion, and social responsibility with the community.
During the event, donations and Christmas gifts were distributed to the children of the orphanage as a gesture of care and togetherness in the spirit of Christmas. The donations were personally presented by Mr. Erwin Parera, Head of Sahabat Insurance Surabaya Branch.
The Christmas Charity program aims to spread kindness, solidarity, and compassion, while strengthening meaningful connections between the company and the community. The children of Bukti Kasih Orphanage welcomed the event with joy and warmth, making the celebration truly memorable.
Through Christmas Charity 2025, PT Asuransi Sahabat Artha Proteksi hopes to continue making a positive social impact, fostering a spirit of sharing, and strengthening bonds of love within society. 🎄❤️

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Sahabat Insurance Workshop with Insurance Broker Partners

On Wednesday, October 22, 2025, Sahabat Insurance successfully held an exclusive workshop at our Head Office, focusing on the theme: “Study Case Claim Marine Cargo" with Sisfairy (Senior Surveyor, from PT. Asuka Bahari Nusantara)

The event was designed to enhance brokers’ understanding of marine cargo claim processes and risk mitigation strategies through interactive discussions and real-world case studies.
This collaborative forum served as a platform to exchange insights, strengthen professional competence, and build stronger synergy in delivering the best insurance services to clients.

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