Open your own business?

Terakhir Diubah : 10:42:45 - Tuesday, 15 February 2022

Today, many entrepreneurs prefer to run their businesses from home. But when running a business from home there are things you should pay attention to: Good business plan. You need to take into account the business projections and targets to be achieved. How to open your own business at home by making business projections will focus on how you calculate capital and then spend it so that it provides benefits for the business. Make sure the safety of your home and assets is ensured, such as if you have to have a kiln or stockpile piled up, you have to make sure it doesn't endanger the home and other occupants such as your family. Call Sahabat Insurance 021-50508080 for further information.

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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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What to do if your passport is lost or stolen while abroad?

The first thing you need to do is go to the local police station to report the theft or loss of your passport. This procedure will protect you in case of misuse of your passport. You will also receive a police report describing the circumstances of the loss or theft.

Tips: a scan or photocopy of a passport should be made before international trips. Photocopies should be kept in a location other than the actual passport, for extra security, in case something happens to the original document.

You must also report the loss or theft of your passport at the nearest embassy or consulate of your country of citizenship. If you are in possession of copies or scans of your passport, do enclose them in your report.

The following are the documents that must be prepared for processing lost/damaged passports at the immigration office:
1. Police Certificate (Lost or Stolen Passport)
2. Identity Card;
3. Family Card;
4. Birth certificate and/or School Diploma;
5. Old passport (especially for damaged passports).

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Myth or Fact: Car Care Edition

Myth or Fact: Car Edition
When it comes to car care and vehicle maintenance, there’s a lot of information out there. Sahabat Insurance is here to help you debunk popular car care myths and tell you what’s important to know. About filling gas. When is the best time to get your oil changed? When should you change your tires?

When at the gas station you have to turn off your cellphone? Really? There has been no definitive research on the relationship between cell phone signals and fires at gas stations. The possibility of burning could be due to the occurrence of static electricity or an exploding HP battery. However, it never hurts to save your cellphone while refueling.

Shaking the car while filling the gas will fill the tank perfectly
This is a myth, because today's modern car will be filled perfectly without being shaken. Especially when shaken there will be metal friction between the tip of the nozzle and the vehicle, and it can cause sparks.

People believe their oil should be changed every 10,000km. Is this myth or fact?
In fact, oil can be changed every 10,000km or every 6 months. But, it depends on how often you use the vehicle. The kilometer reference is not always the right benchmark to know when to change the oil? The reason is because the performance of the engine will be heavier according to how the driver drives and the road that is crossed.

Car Tires Also Need Rest, Myth Or Fact? Tires don't really need to be rested to follow the driver's rest. If the surface of the tire is slippery, it's time for the tire to retire.

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How Often Should You Change Engine Oil?

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