Is personal accident cover necessary?

Terakhir Diubah : 06:43:09 - Tuesday, 02 August 2022

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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Safety Tips During Rainy Seasons

The rainy season has arrived, for those of you who often travel outside the house, the trip can be disrupted. Especially if the rain causes losses such as puddles or even floods that cause transportation to be hampered.
In addition, cold air in the rainy season can also bring various diseases. For that, for the sake of safety and comfort, you must be careful when traveling. Here are some tips to consider when traveling in the rainy season. Many workers choose to use public transportation because they do not want to experience the risk of their vehicles being flooded. So how do you stay safe using public transportation? Prepare spare time earlier than your departure so you are not in a hurry on the road, use non-cash payments, bring an umbrella and maintain health protocols. Office workers choose to use public transportation because they do not want to experience the risk of their vehicles being flooded. So how do you stay safe using public transportation? Prepare spare time earlier than your departure so you are not in a hurry, use non-cash payments, bring an umbrella and maintain health protocols.

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Does Car Insurance Cover Flood Damage?

If you have car insurance, check the benefits you have, as standard auto insurance policies do not have flood protection.

This explanation is contained in the Indonesian Motor Vehicle Insurance Standard Policy (PSAKBI) article 3. It states that insurance will not replace and guarantee losses, damage, costs for motorized vehicles caused by: 3.2. earthquake, volcanic eruption, hurricane, storm, tsunami, hail, flood, puddle, landslide or other geological or meteorological phenomenon.

In order for the car to be guaranteed from these risks, you must expand to protect the vehicle from losses due to flooding.

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Don't Miss It! IG Live with Sahabat Insurance and Mandiri Tunas FInance

Don't miss IG Live Sahabat Insurance and Mandiri Tunas Finance! Friday, August 12, 2022 at 4 pm on Sahabat Insurance's Instagram account. Get a chance to win prizes of hundreds of thousands of rupiah, by asking questions during IG Live! See you later!

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Insurance Requirements and Claim Procedures Motor Vehicle Insurance

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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