Insurance Requirements and Claim Procedures Motor Vehicle Insurance

Terakhir Diubah : 11:11:38 - Selasa, 13 September 2022

Did you know, Motor Vehicle Insurance is a type of insurance or coverage that provides a guarantee or protection for loss, damage, loss caused by the risks guaranteed in the Motor Vehicle Insurance policy.
Loss and/or damage to the Motor Vehicle and/or the insured interest which is directly caused by:

Collision, impact, tipping over, slipping, or slipping;
The evil deeds of others;
Theft, including theft that is preceded or accompanied or followed by violence or threats of violence as referred to in Article 362, 363 paragraphs (3), (4), (5) and Article 365 of the Criminal Code;
Fires, including:

a. Fire due to fire of other objects adjacent to or storage of Motorized Vehicles;

b. Fire due to lightning strike;

c. Damage due to water and/or other tools used to prevent or extinguish fires;

d. The destruction of all or part of the Motorized Vehicle by order of the competent authority in an effort to prevent the spread of the fire.

Loss and/or damage caused by the above-mentioned events as long as the relevant Motor Vehicle is on board the ship for crossings under the supervision of the Directorate General of Land Transportation, including loss and/or damage caused by the ship in question having an accident.

Insurance Closing Requirements and Procedures Requirements to be insured:

Fill out the SPPA, with your ID card
Have an insurable interest in the object of coverage to be insured

Claim reports are made within a maximum period of 5 x 24 hours after the incident to Sahabat Insurance call center 021-50508080 or via email to [email protected] or visit the nearest Sahabat Insurance Branch Office.

Claim Documents
1. Fill out / complete the claim form
2. Photocopy of insurance policy
3. Photocopy of SIM and STNK
4. Local Police Certificate for vehicle claim in case of partial loss, total loss or involving a third party.

For more information, please see link below
Riplay Motor Vehicle Insurance - Sahabat Insurance

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Sahabat Insurance received excellent ratings from 23rd Infobank Insurance Award 2022

PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) received Infobank: 23rd Insurance Awards on Thursday, July 28th 2022 in Hotel Indonesia Kempinski Jakarta for its success in maintaining the financial performance of "Excellent" .

Based on data from the Infobank Research Bureau (birl), PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) was ranked 2nd with “Excellent” rating and a total score of 91,12% based on the category of general insurance companies with a gross profit above Rp 250 billion-Rp 500 billion.

Last year, Sahabat Insurance was awarded the “Excellent” rating in General Insurance of the 2021 infobank magazine Version based on the category of general insurance companies with a gross profit Rp 100 billion - under Rp 250 billion.

Source: “Rating 110 Insurance Infobank 2022 Version”. Infobank Magazine July 2022 edition.

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Why car insurance claims are rejected?

Not having a driver's license at the time of an accident is one of the possible causes for a claim to be rejected by Vehicle Insurance in addition to being late in reporting claims. Especially if you violate traffic and are negligent while driving. For more information about vehicle insurance claims, contact Sahabat Insurance at 021-50508080 #asuransi Sahabat

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What is Own Risk?

Hi, Sahabat! If you have vehicle insurance, you must recognize some insurance terms so as not to get confused.

When purchasing a vehicle insurance product, you will be introduced to the term Own Risk (OR). Own risk can be interpreted as payment of compensation costs made by the vehicle owner or the insured for any loss and or damage that occurs when submitting a claim. If you do this, it means that you already know your responsibilities as a vehicle owner. As a form of your sense of responsibility to always be careful when driving. The standard, in accordance with OJK Letter No. 6 of 2017 stipulates that the current OR fee is a minimum of IDR 300,000 per incident.

Please note, standard car insurance policies actually only cover loss or damage caused by accident, collision, impact, overturning, slipping, or falling; evil deeds; theft; as well as fire and all risks covered by the motor vehicle insurance policy. However, if due to a disaster caused by natural disasters such as rain, flood, tsunami, hurricane, hail, tsunami, a product is provided in the form of an extension to protect your car from the causes mentioned above.

If you want to get further explanation regarding self-risk calculation or car insurance closing procedure through Sahabat Insurance Customer Service Online, we are happy to answer your questions via our hotline at 021-50508080 or Whatsapp at 021-50508080.

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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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