Does Car Insurance Cover Landslides?

Terakhir Diubah : 09:18:35 - Kamis, 15 Desember 2022

Aside from the danger of flooding, heavy rainfall can also lead to mudflow, basically creating a river of mud; and landslides, which are caused by the movement of the destabilized land—due either to gradual erosion or an accumulation of water. Does your auto insurance policy provide coverage for landslides?

Insurance shall not cover any loss of, damage to and/or expense incurred in Motor Vehicle and/or legal liability against any third party directly or indirectly caused by, as a consequence of, resulting from: earthquake, volcanic eruption, windstorm, tempest, tsunami, hail, flood, inundation, landslide or other geological or meteorological symptoms (Motor Vehicle Insurance Standard Policy in Indonesia chapter 2, Exclusion, article 3, point 3.2).

Like flood, however, earthquake and landslide is excluded from standard car insurance policies—you must buy the coverage separately. Please call 021- 50508080 for more information.

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11th Anniversary Sahabat Insurance

PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) was formerly known as PT Bess Central Insurance and has been established since September 4, 1996, at the time named as PT AIOI Indonesia. On March 25, 2011, PT Asuransi Central Asia took over all shares from PT AIOI Indonesia who carried out the merger and transferred its assets and liabilities to PT Asuransi MSIG Indonesia.
New shareholders entered along with PT Asuransi Central Asia. In conjunction with the change in the shareholders structure, it was decided that PT AIOI Indonesia to change its name to PT Bess Central Insurance on May 26, 2011, after obtaining the Decree of the Minister of Finance Number KEP- 420/KM.10/2011.
The single presence policy regulation released by Otoritas Jasa Keuangan in 2018 states that the primary entity in the insurance industry may only hold one life insurance or general insurance company. The primary entity is required to merge or divesting shares if there is more than one life insurance or general insurance company. On this basis, PT Asuransi Central Asia decided to transfer its share ownership in the company, accompanied by several new shareholders in early 2020.
For this reason, the company decided to change its name to PT Asuransi Sahabat Artha Proteksi as stated in the Board of Commissioners Regulation from Otoritas Jasa Keuangan Number KEP-131/NB.11/2020 on March 31, 2020.

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Sahabat Insurance launches new representative office in Jambi

PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) launch the 18th representative office in Jambi on Wednesday 21 September 2022, in order to expand the official representative office in Indonesia.

Sahabat Insurance is committed to continuing to provide customer satisfaction, by always maintaining and improving service quality, as well as reaching customers spread across Indonesia.

Visit Sahabat Insurance - Jambi at Jl. Sumbiono Blok A2, Jelutung, Jambi. If you need immediate assistance, please call us at 0741-3622176, 021-50508080 or email [email protected]

Sahabat Insurance is a general insurance company with products such as:
•Property Insurance
•Motor Vehicle Insurance
•Personal Accident Insurance
•Travel Insurance
and so on.
For more information call us at 021-50508080.

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What is Own Risk?

Hi, Sahabat! If you have vehicle insurance, you must recognize some insurance terms so as not to get confused.

When purchasing a vehicle insurance product, you will be introduced to the term Own Risk (OR). Own risk can be interpreted as payment of compensation costs made by the vehicle owner or the insured for any loss and or damage that occurs when submitting a claim. If you do this, it means that you already know your responsibilities as a vehicle owner. As a form of your sense of responsibility to always be careful when driving. The standard, in accordance with OJK Letter No. 6 of 2017 stipulates that the current OR fee is a minimum of IDR 300,000 per incident.

Please note, standard car insurance policies actually only cover loss or damage caused by accident, collision, impact, overturning, slipping, or falling; evil deeds; theft; as well as fire and all risks covered by the motor vehicle insurance policy. However, if due to a disaster caused by natural disasters such as rain, flood, tsunami, hurricane, hail, tsunami, a product is provided in the form of an extension to protect your car from the causes mentioned above.

If you want to get further explanation regarding self-risk calculation or car insurance closing procedure through Sahabat Insurance Customer Service Online, we are happy to answer your questions via our hotline at 021-50508080 or Whatsapp at 021-50508080.

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Sahabat Insurance at Infobank 24th Insurance Award

Jakarta, 27 July 2023 - PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) received the "excellent" award in Infobank's general insurance rating for 3 consecutive years, namely in 2021, 2022 and 2023. Sahabat Insurance won 2nd place in the category of General Insurance Companies with a Gross Premium of IDR 250 billion to IDR 500 billion in 2023 (2022 performance) at the Infobank 24th Insurance Awards 2023 which was held at Hotel Indonesia Kempinski, Jakarta.

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