Eid Al Fitr Holiday Announcement

Terakhir Diubah : 14:00:40 - Friday, 22 April 2022

Dear Customer,
Thank you for being our valued customer.
Following government regulation about National Holiday on Eid Al Fitr 1443 H
We will be closed from April 29 until May 6, 2022.

We will open on May 9, 2022.

Don’t worry! For claim and services please call
Sahabat Insurance Customer Care 021-50508080

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Factors Affecting Your Car Insurance Premium

Type of Coverage and Insurance Extension
The premium amount will be influenced by the type of coverage and also the insurance extension you choose. Generally, there are two types of coverage that you need to know, Comprehensive and Total Loss Only (TLO). With different types of insurance coverage available, the resulting premium is going to be affected. A comprehensive package with numerous features will naturally cost more than a lower-tier option. The same goes for optional extras, should you wish to add them on to your existing policy.
When buying insurance, it's crucial to carefully consider the coverage limits and ensure they align with your potential risks and needs.

Vehicle Age
The age of a vehicle is a key factor in determining car insurance premiums, both for comprehensive and Total Loss Only (TLO) policies. The Financial Services Authority (OJK) regulates which vehicles are eligible for comprehensive and TLO insurance in Indonesia.

Location
Motor Vehicle Insurance premiums are indeed affected by the area where the vehicle is primarily used. Insurance companies assess risks based on location, with areas experiencing higher accident rates, theft, or severe weather events often resulting in higher premiums.

Vehicle Usage
Car insurance premiums are indeed calculated based on risk, and vehicle usage is a significant factor in determining that risk level. Cars used for different purposes, like private, official, or commercial use, have varying levels of risk, and this is reflected in the premiums charged by insurance companies.

Always double check every policy guarantee and insurance premium offer according to your needs. Contact Sahabat Insurance marketing team for more info via WA 021-50508080.

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What to Do When Car Is Stolen

When you lose your car, of course, you can be very worried. Don't panic and do this:
1.Call and report to the Police
2. Prepare important documents for missing vehicle reporting.

Photocopy of ID card.
Copy of BPKB.
Copy of motor vehicle purchase invoice.
Photocopy of insurance policy.
Photocopy of the report from the police.
Original cover letter from the insurance company.
Photocopy of the document at the scene of the incident.
Original letter of item search list.

3. Prepare documentation for reporting vehicle insurance claims:

Car Insurance Policy
Original BPKB documents, STNK, and vehicle purchase invoices.
Vehicle keys, original and spare.
Photocopy of driver's license.
Photocopy of the insured's ID card, according to the name listed on the STNK.
Three stamped receipts.
Official documents from the authorities, including a BAP letter, a letter of blocking from the police, and an official statement from the Head of the Directorate of Investigation.

Before reporting a claim, you must first check your vehicle insurance policy, whether you have used a vehicle insurance policy that guarantees the car from loss.

For more information about vehicle insurance, contact Sahabat Insurance at 021-50508080

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Personal Accident Insurance

No one can predict the future. Accidents can happen anytime and anywhere. Personal accident insurance provides financial coverage against unforeseen events such as accidents causing bodily injury, permanent partial disability or permanent total disability and accidental death. Contact Sahabat Insurance at 021-50508080 for more info.

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Myth or Fact: Car Care Edition

Myth or Fact: Car Edition
When it comes to car care and vehicle maintenance, there’s a lot of information out there. Sahabat Insurance is here to help you debunk popular car care myths and tell you what’s important to know. About filling gas. When is the best time to get your oil changed? When should you change your tires?

When at the gas station you have to turn off your cellphone? Really? There has been no definitive research on the relationship between cell phone signals and fires at gas stations. The possibility of burning could be due to the occurrence of static electricity or an exploding HP battery. However, it never hurts to save your cellphone while refueling.

Shaking the car while filling the gas will fill the tank perfectly
This is a myth, because today's modern car will be filled perfectly without being shaken. Especially when shaken there will be metal friction between the tip of the nozzle and the vehicle, and it can cause sparks.

People believe their oil should be changed every 10,000km. Is this myth or fact?
In fact, oil can be changed every 10,000km or every 6 months. But, it depends on how often you use the vehicle. The kilometer reference is not always the right benchmark to know when to change the oil? The reason is because the performance of the engine will be heavier according to how the driver drives and the road that is crossed.

Car Tires Also Need Rest, Myth Or Fact? Tires don't really need to be rested to follow the driver's rest. If the surface of the tire is slippery, it's time for the tire to retire.

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