Flood Damaged Cars & Insurance Cover

Terakhir Diubah : 03:49:11 - Friday, 16 February 2024

In the wake of natural disasters like floods, one of the most significant losses individuals face is damage to their vehicles. Floodwater can wreak havoc on cars, leading to substantial repair costs or even rendering them irreparable. Understanding how flood-damaged cars are handled by insurance companies is crucial for vehicle owners to navigate the aftermath effectively.

The climatic condition can be very unpredictable due to pollution, cutting of trees, etc. Further, unplanned development and inefficient drainage systems also lead to flood-like conditions in many cities. The best action is to take a review your car insurance plan to protect your vehicle from monsoon miseries.

Protect your vehicle with flood car insurance. Learn how to shield your car from floods and ensure comprehensive protection. Get covered today!Sahabat Insurance customers can reach out to us at 021-50508080 or email us [email protected]

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Sahabat Insurance Donates to Flood and Landslide Victims in Aceh and Sumatra

Medan, December 15, 2025 — Sahabat Insurance has distributed humanitarian financial assistance to communities affected by floods and landslides in Aceh Province, North Sumatra, and West Sumatra. The aid was channeled through YAKOPI (Indonesian Coastal Conservation Foundation), a Medan-based humanitarian organization.
The handover of the humanitarian aid was carried out directly by Elly, Head of Sahabat Insurance Medan Branch, on Monday (December 15, 2025) at the YAKOPI Office in Medan, North Sumatra.

Sahabat Insurance’s Commitment to Disaster Relief
This humanitarian initiative forms part of Sahabat Insurance’s Corporate Social Responsibility (CSR) program and reflects the collective concern of Sahabat Insurance employees who seek to support communities affected by natural disasters across Indonesia.
The floods and landslides that struck several areas in Aceh, North Sumatra, and West Sumatra have caused extensive damage to residential homes and public infrastructure, while also disrupting the social and economic activities of local communities.

Sustained Commitment from Sahabat Insurance
Sahabat Insurance reaffirmed its commitment to actively participate in social and humanitarian initiatives, in line with the company’s core values of care, solidarity, and social responsibility.

Sahabat Insurance (PT Asuransi Sahabat Artha Proteksi) is a general insurance company registered with and supervised by the Financial Services Authority of Indonesia (Otoritas Jasa Keuangan – OJK). The company provides a wide range of insurance solutions for the Indonesian market, with motor vehicle insurance as its primary line of business, followed by property insurance and other general insurance products.

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Fire Insurance (FLEXAS)

Property Insurance (FLEXAS) provides a warranty to your properties for the damages as resulted from any possible risks such as fire, lightning, explosion, aircraft falling and smoke.

Fire (fire)
Fire caused by a short circuit or electrical short circuit or due to the spread of fire from other objects, neighboring houses, tree fires and others or fire due to your own negligence or lack of care, your servant or other people such as fires due to stoves, exploding gas leaks, or cigarette butts and others.

Lightning (Lightning Strike)
Property insurance also guarantees the risk of fire caused by electric machinery, electrical or electronic equipment, and electrical installations that are burned because lightning also enters into account.

Explosion
What is meant by an explosion here is the sudden release of energy due to the expansion of steam or gas. For example, steam boiler pipes or explode until leaving open rips. Terms and conditions apply.

Aircraft Impact (Fall of Airplanes)
In the unfortunate event of an aircraft crash on or near the insured property, a comprehensive fire insurance policy typically covers the resulting damage. This can include structural damage to buildings, loss of personal property, and any other destruction caused by the impact.

Smoke (Smoke)
Smoke arising from the fire of insured property. So if the smoke caused by a fire causes damage to the house or other property insured, property insurance will guarantee the loss due to the damage. (asuransiku)

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Here's what you need to know about Healthy Food

Public awareness to consume healthy food is now getting bigger. Because apart from being a source of energy, consuming healthy food can also reduce the risk of serious diseases, ranging from diabetes, hypertension, heart disease, obesity, to cancer.
Consumption of healthy foods every day is highly recommended to meet daily nutritional needs.
But, hold on! Before dieting and consuming healthy food, it is better for you to consult your doctor or nutritionist first. Your doctor or dietitian can help determine your daily protein needs, as well as how much you should increase your intake. Because nutritional needs and protein intake vary according to the needs of the body.
For information about Health Insurance, contact Sahabat Insurance at 021-50508080.

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Does Car Insurance Cover Landslides?

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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