Does Car Insurance Cover Flood Damage?

Terakhir Diubah : 15:03:38 - Jumat, 20 Mei 2022

If you have car insurance, check the benefits you have, as standard auto insurance policies do not have flood protection.

This explanation is contained in the Indonesian Motor Vehicle Insurance Standard Policy (PSAKBI) article 3. It states that insurance will not replace and guarantee losses, damage, costs for motorized vehicles caused by: 3.2. earthquake, volcanic eruption, hurricane, storm, tsunami, hail, flood, puddle, landslide or other geological or meteorological phenomenon.

In order for the car to be guaranteed from these risks, you must expand to protect the vehicle from losses due to flooding.

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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.

Insurance claim
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.

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Financial Inclusion Month with Sahabat Insurance

The Financial Services Authority (OJK) has said that the observation of October this year as Financial Inclusion Month is aimed at expanding people’s financial access to improve welfare and encourage national development.

Every October since 2016, the OJK has observed the Financial Inclusion Month in an integrated, massive, and sustainable manner to pursue the target of 90 percent financial inclusion by 2024, as well as to support the National Economic Recovery Program.

To support the event, Sahabat Insurance will have more activities such as giveaways, prizes and live streams exclusive on our social media.

Follow us on instagram @sahabatinsurance.id and Facebook Sahabat Insurance.

Fore more information about us please call or chat via Whats App 021-50508080.

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PEFINDO has assigned its idBBB financial strength rating with stable outlook to Sahabat Insurance

PEFINDO has assigned its idBBB financial strength rating with stable outlook to PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance). The rating reflects Sahabat Insurance’s moderate capitalization, adequate liquidity, and moderate asset quality.
However, the rating is constrained by modest operating performance, concentrated
business profile, and intense competition in the industry.
The rating may be raised if Sahabat Insurance could substantially improve its business position, reflected by doubling its market share in terms of gross written premiums (GWP) in the insurance industry on a sustained basis, while demonstrating its capability to diversify into other profitable line of businesses and maintain its financial profile. The rating could be lowered if the Company's business position declines substantially,
which can be indicated by its market share of GWP in the insurance industry persistently shrinking by more than 40%.

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Whistleblowing System

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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