Does Car Insurance Cover Flood Damage?

Terakhir Diubah : 08:03:38 - Friday, 20 May 2022

Berita - Does Car Insurance Cover Flood Damage? - Sahabat Insurance | Solusi Lengkap Perlindungan Asuransi Anda

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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Visit Sahabat Insurance at Periklindo Electric Vehicle Show

See you at PERIKLINDO Electric Vehicle Show (PEVS) 2023 17 -21 May 2023, Hall A of JIEXPO Kemayoran with Sahabat Insurance and Mandiri Tunas FInance.

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CSR Sahabat Insurance

As a form of our social care for society, every year we have CSR programs in various fields. Not just carrying out social responsibility, the CSR Program is certainly intended to bring many benefits to society. The education sector is one of our main focuses. Every year there are always activities aimed at developing education. We believe that education is the best investment that can be done for this country. Therefore we are committed to taking part in developing the best education for the Indonesian children. Our CSR programs related to education in collaborate with SOS Children’s Village. CSR assistance was received symbolically by Mrs. Julia Soekamto representative of SOS Children's Village Cibubur at the headquarters of PT Asuransi Sahabat Artha Proteksi on Tuesday, January 14, 2025.

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Claim Submission & Operational Working Hours Related to Work From Home

Taking into account the increasingly worrying development of covid 19, the management of Sahabat insurance feels the need to take the following policies:

  1. Work From Home & operational working hours for Sahabat Insurance employees:
    • WFH (Work From Home) for all employees at the Jakarta head office from Monday 30 March 2020 to 03 April 2020.
    • Adjusted operational working hours for the head office and all branch offices outside Jakarta to 09.30 – 15.30 local time.
  2. For filing and reporting claims, during the implementation of the WFH policy at the head office, the following policies are taken:
Thus, we convey this notification, so that you are aware.
Thank you for your attention and good cooperation.


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Friends of Insurance Management

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Driving Tips on Uphill Road

Driving on uphill road conditions is often a challenge. Moreover, the contours of the roads that are passed are quite diverse, ranging from climbs, steep descents, slippery and dense vehicles alias jammed. In fact, parking at the mall sometimes has narrow roads due to the limited building area. In general, there are three aspects that cause a car to fail to climb, namely the road surface factor, the condition of the vehicle and the driver himself. Road condition means a condition where the sandy road is steep, potholed or slippery which has the potential to make the vehicle fail to climb. While the condition of the vehicle that is not powered may be due to lack of maintenance, tires, small cc engine power but a lot of cargo. While the driver factor, for example, the skill of the driver to master the vehicle when on an uphill road.
Because, in this situation, the driver tends to panic, then reflexively steps on the gas so that the system perceives a sudden spike in vehicle acceleration.
This is very dangerous, because tire slippage can occur, making the momentum to go on an incline lost. As a result, instead of moving forward, the car is going backwards. The driver must adjust the momentum and step on the gas pedal (acceleration) which regulates the engine rotation rhythm and is not too high so that the car can still climb without slipping.

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