How Often Should You Change Engine Oil?

Terakhir Diubah : 02:56:24 - Thursday, 02 December 2021

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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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Sahabat Insurance Implements the 2026 Scholarship CSR Program

Sahabat Insurance’s Corporate Social Responsibility (CSR) program reflects the company’s commitment to responsible business practices with a strong focus on education. In 2026, Sahabat Insurance once again carries out its annual flagship initiative, the “Sahabat Insurance CSR Scholarship Program,” aimed at supporting children under the care of SOS Children’s Villages Indonesia.

This program is designed to support the improvement of educational quality and to ensure the continuity of education for children from early childhood through higher education. Scholarships are provided to beneficiaries across multiple educational levels, including Kindergarten, Primary School, Junior High School, Senior High School, and Higher Education.

The implementation of the Sahabat Insurance CSR Scholarship Program represents the company’s ongoing commitment to community welfare and is conducted on a regular annual basis as an integral part of Sahabat Insurance’s Corporate Social Responsibility initiatives.

Through the 2026 Sahabat Insurance CSR Scholarship Program at SOS Children’s Villages, Sahabat Insurance aims to make a meaningful contribution to the development of an independent, competitive, and future-ready young generation, while further strengthening the company’s reputation as a socially responsible organization.

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Visit Sahabat Insurance at Maybank Finance | Banjarmasin

Don’t miss it! From June 5th - 10th, 2023 at Maybank Finance
Banjarmasin, Jl Ahmad Yani, KM 7, Banjarmasin,
South Kalimantan.

Come and visit us at our representative office Sahabat Insurance
Banjarmasin, Jl Ahmad Yani, KM 10.300, Sungai
Lakum, Kertak Hanyar, Banjar, South Kalimantan.

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Parking: Shift to “P” Or Pull the Handbrake First?

The parking brake is essential to your safety and those around you. If you have an automatic gearbox, apply the handbrake first, then put it in P. This ensures that the car’s weight isn’t resting on the parking pawl. If you don’t use the handbrake, you’ll be putting constant pressure on the parking pawl and transmission components which will eventually fail, leading to costly repairs.

Your car’s brakes are controlled by something called a parking pawl.The parking pawl locks the transmission's output shaft to the transmission casing by engaging a pawl (a pin) that engages in a notched wheel on the shaft, stopping it (and thus the driven wheels) from rotating.When you shift into “P” first, the weight of the car rests on that tiny metal bit we call the parking pawl. That’s not great. When you do this, you will hear the unpleasant “clunk” when shifting out of “P” later.

If you have an automatic transmission, apply the handbrake first, then put it in P. Shifting to 'P' before pulling the handbrake is how you damage your automatic transmission.

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