How to Avoid Surprise Costs During the Home Renovation

Terakhir Diubah : 02:41:55 - Thursday, 30 June 2022

Embarking on a home remodel can be messy, expensive, inconvenient and at times pull-your-hair-out frustrating. The last thing you want is a higher price tag than your contractor's initial bid. So, how do you keep your sanity and your pocket change while remodeling your home?
1. Renovation gradually and according to your budget
2. If you need handyman services, calculate carefully for the payment
3. You can choose second hand materials with good quality
4. Diligently look for discount materials to build a house
5. If there is something you can do independently, do it yourself
6. Choose a minimalist concept, to be efficient and simple

Protect your home with Home Insurance from Sahabat Insurance, call 021-50508080 for more info!

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Payment Fraud Prevention - Sahabat Insurance

Payment Fraud Prevention

To make payments, payment must be made only to the PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) bank account number.

Customers will be referred to their own Virtual Accounts. A Virtual Account consists of a unique customer ID number (please find it on your Sahabat Insurance’ premium note).

Therefore, please avoid attempting to transact other than Sahabat Insurance bank account number, as it may lead to cancellation policy.

If you encounter any suspicious transaction, please report it immediately.For more info please call 021-50508080, chat via WA 021-50508080 or email us [email protected]

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Why Is Car Insurance Important?

Having a car insurance policy gives you complete peace of mind. Motor vehicle insurance cover loss or damage to motor vehicle. Based on Indonesia Motor Vehicle Insurance Standard Policy, car insurance covers any loss and/or damage to Motor Vehicle and/or interest insured directly caused by:
collision, impact, overturning, skidding or falling into, malicious act, theft, fire due to the burning of other
nearby objects or Motor Vehicle garage, fire due to lightning,legal liability and other cause mentioned in
the Policy.

When you choose to buy a car insurance policy, it is important that you do not have to undergo a long and cumbersome procedure. The entire process must be simple and convenient.
Sahabat Insurance are available to answer questions via call center and WhatsApp chats to ensure your issues are resolved without any delays. Call Sahabat Insurance or chat via WhatsApp 021-50508080, email us [email protected]
For more info about Motor Vehicle Insurance please click link below:
https://www.sahabatinsurance.id/files/publication/20220919101029.pdf

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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 Encourages Financial Literacy Through The CSR Program With Maipark

Sahabat Insurance support CSR and literacy activities in collaboration with PT Reasuransi MAIPARK Indonesia and several insurance companies in Indonesia by providing assistance in the form of earthquake insurance policies worth IDR 200 million for 180 buildings, bringing the total protection provided to IDR 36 billion on "2025 Earthquake Literacy, Risk and Financial Mitigation - Earthquake Awareness Community for a Disaster-Resilient Indonesia" in Barusari Village, Pasirwangi District, Garut, West Java - July 10th, 2025.

The literacy session was divided into two sessions, delivered by Dr. Ruben Damanik, who presented information on earthquakes, and Muhammad Affandi, who discussed the importance of earthquake /disaster insurance.

It is hoped that this literacy program will help residents, an initiative focused on enhancing community resilience to earthquakes in Indonesia. This initiative likely involves improving public understanding of earthquakes, assessing and managing risks, and Increasing Literacy of earthquake/disaster Insurance in Indonesia.

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