How to Evacuate From Fire

Terakhir Diubah : 13:27:27 - Selasa, 07 Desember 2021

How to evacuate from fire in a tall building:
1. If there is a fire in the building, stay calm and don't panic.
2. Avoid the elevator and immediately go to the nearest emergency stairs by walking normally.
3. Do not carry items that are larger than a briefcase/handbag.
4. If the view is blocked by smoke, walk by creeping on a wall or handrail on a ladder, taking short breaths.
5. Do not turn around because it will collide with the people behind you and hinder evacuation.
6. Wet a shirt or handkerchief with water to cover the life if the smoke thickens or the room feels hot.
7. Immediately go to the meeting point in the place to wait for the next instruction.
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vehicle insurance terms

Often confused to see the term vehicle insurance? Don't worry, Friends of Insurance are ready to help with terms that are often used in Vehicle Insurance.
Insurance policy
You may have heard this term many times, but do you really know the meaning behind it? Policy and insurance policy have almost the same meaning, an insurance policy is an agreement or agreement between the policyholder and the insurance company to perform obligations such as loss or damage protection that has been agreed by both parties.
Insurance premium
A word you will also hear often is premium. In short, the premium is the value or nominal payment agreed by the policyholder with the insurance company. The amount of premium to be paid will also be listed on your vehicle insurance policy.
Sum Insured
Simply put, the price of coverage is the purchase price of a motor vehicle when you make an insurance policy. This purchase price will be listed in the policy and will later become the maximum limit of the liability value of the insurance company if you make a claim at any time.
Total Loss Only or TLO
Well, this one term is very closely related to car insurance. Total Loss Only or TLO is one of the most common types of vehicle insurance in Indonesia. If you choose Total Loss Only motor vehicle insurance, it means that in the event of a loss or damage the insurance will provide repair or replacement costs of only 75%.
All Risk
Just like the term TLO, all risk is also related to the type of insurance you can choose for your vehicle. The difference between the two is that all risk insurance will accept all claims for loss or damage to a motorbike or car up to 100%.
Deductible or Own Risk
Deductible, own risk, or own risk have the same meaning, namely the value that becomes your burden for each damage or loss that occurs. This burden or value is usually calculated from the amount of compensation to be paid. As a policyholder you must really pay attention to these details in the insurance policy purchased.
TJH III or Third Party Legal Liability
In simple terms, TJH III talks about the liability guarantee that will be given by the insurance party to a third party if the insured vehicle suffers a loss or damage. You can ask the insurance party for points regarding Third Party Legal Liability when making a policy.
At least you need to understand the terms mentioned above, besides that, pay attention to the points that talk about losses caused by natural disasters, riots or acts of terrorism. Don't forget to read the motor vehicle insurance policy in full and in detail so that you know exactly what protection you have.
If you still want to find out more details or complete information about vehicle insurance, you can find all the information at www.sahabatinsurance.id or call 021-50508080.

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Motorcycle safety tips

Motorcyclists must be mindful of their surroundings and the other cars around them. The flow of traffic can change at any moment. Even small distractions can lead to serious injuries. It is important to drive safely because it can save your life.
1. Preparing the vehicle
Before you use a motorcycle, you should prepare your vehicle starting from checking all vehicle components, such as tires, lights, and others.
2. Using safety equipment
In riding a motorcycle, it is important that you use safety equipment such as jackets, helmets, trousers, masks, gloves, shoes and so on. The use of such equipment will help you be protected during the trip.
3. Good driving attitude
In riding a motorcycle, you should have a good driving attitude where you sit on the motorcycle in a straight upright position but remain relaxed, make sure you look ahead, do not lift your legs to other places for any reason, do not ride more than one person and goods heavy baggage.
4. Keep your distance when driving
When you ride a motorcycle, make sure you use a certain speed in every condition. You have to adjust the speed according to the conditions. And keep in mind don't forget to keep your distance while driving. Keeping your distance will help you from accidents or collisions due to sudden braking.
To minimize this, as a smart driver, you should observe your driving speed and adjust it to the distance in front of you. The higher the speed you use, the longer the distance that needs to be prepared.
5. Stay focused and alert
When driving, you should stay focused and alert while driving. Many motorists feel confident about their driving abilities, they sometimes feel that accidents are impossible. However, it should be noted that such an attitude will create carelessness and carelessness. Keep in mind that no matter how good you drive, you still need to be focused and alert.
6. Obey traffic rules and signs
The most important thing in driving is to obey all traffic rules and signs along the way. Use the turn signal when you are about to turn. Make sure you obey all traffic rules and signs.

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How to Claim Car Insurance Easily With Sahabat Insurance

How to Claim Car Insurance
Prepared the main document such as:

Completed and signed claim form
Car Insurance Policy
Copy of Insured's ID card
Copy of driver's license
Copy of STNK / motor vehicle registration license
Sahabat Insurance will recommends you complete additional documents according to the type of claim submitted, such as police report documents for types of theft car insurance claims.

If you have completed the claim submission form and supporting documents, you just need to submit a claim to the insurance company through the contact number, email, or company website and do not exceed the stipulated claim submission time.

Simply submit a claim via WhatsApp via number 021-50508080 and we will assign a surveyor to you who will inspect your insured car . If you want to ask more questions about the required claim documents or the car claim process, send us an email to [email protected].

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Is personal accident cover necessary?

Accidents can happen anytime and anywhere - whether you are at home, at work, or even on vacation. Personal accident insurance is useful to get the financial assistance to you and your family in the event of an accident that leads to death, bodily injuries, temporary total disability, permanent total disability and permanent partial disability. Just as it essential to give your family the financial protection in the event of your demise, you must also think about how they would manage in case of an accident that may lead to disability. You must be prepared for such unexpected situations with accident insurance. Make sure that you know the inclusions, exclusions and other terms and conditions of the policy before you sign the policy.Call 021-50508080 for more info about Personal Accident Insurance.

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