Safety Tips During Rainy Seasons

Terakhir Diubah : 04:16:20 - Wednesday, 10 November 2021

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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Third Party Legal Liability (TPL)

Accidents happen unexpectedly. For example, if your car accidentally hits another vehicle or a pedestrian. In addition to the damaged car, you also have to compensate for the vehicle or injured victim. To anticipate this, you need to know the third party's Legal Liability (TJH).

Third Party Legal Liability (TPL)
Is legal liability of the Insured against loss, suffered by third party followed by indictment to the Insured regarding the loss directly caused by the Motor Vehicle resulting from any risk covered by the policy, whether the settlement thereof is by compromise, mediation, arbitration or through court, subject to prior written consent of the Insurer. The coverage will be provided for third’s party property damage; medical expenses, bodily injury and/or death; maximum of sum insured for Legal Liability coverage against any Third Party as set forth in the policy for any one accident.

For more information about Third Party Legal Liability (TPL) please call 021-50508080.

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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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5 Tips for Millennial Home Buyers

As true millennials, of course you want to have a home so that you have a bright future with your family.
So if you’re a millennial looking to buy a house, here are five things you can do to make As true millennials, of course you want to have a home so that you have a bright future with your family. Here are some steps you can take to make your dream come true.

1. Check financial ability
First, prepare a balance sheet including income and expenses.

2. Create a budget
Do some research and learn about several possible ways to pay for a house other than the cash payment method. For example mortgages, or by other methods.

3. Set priorities
From an existing financial plan, make priorities so you can focus on one thing. For example, you plan to take a mortgage. So, your first focus is to fulfill the downpayment first.

4. Investment
Investment can help to develop assets against inflation. For example, for a house down payment, set aside 30% of your salary to the appropriate investment instrument. Over time, with consistency, the budget for a home down payment will be fulfilled properly.
Investment can also be an alternative choice for saving emergency funds. You can save this emergency fund in an instrument with a low level of risk.
In addition to an emergency fund, pay attention to insurance, if you are the head of the family. So, make sure that you have complete protection first, then execute your financial plan.

5. Discipline
The discipline to implement a detailed and comprehensive financial plan is very important. For example, keeping your installments under 30% of your regular salary if you take a mortgage scheme is crucial.

Note that 30% includes all existing debt repayments. So, if your main intention is to buy a house, then you should focus on this plan first.

In addition, plans to buy a house require a long-term disciplined commitment. Therefore, start being disciplined in executing your financial plan. With some of the tips above, you can try to realize your dream of buying a house. Good luck!

Source: https://mediakeuangan.kemenkeu.go.id

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Whistleblowing System

In order to support Good Corporate Governance, especially in the implementation of the Anti-Bribery Management System within the Company, Sahabat Insurance provides a channel for conveying information regarding indications/allegations of integrity deviations which can result in fraud, abuse, corruption, collusion, nepotism, gratuities, price inflation. or budget, bribery, money laundering, embezzlement, extortion, and other conflicts of interest that will/have been committed by employees or Company Business Partners.

Reporting of violations is addressed to the Whistleblowing Team and submitted in writing via the whistleblowing media as follows [email protected];

Whistle blowers can report indications/allegations of violations through the Whistleblowing System with the following terms and conditions:

Include valid evidence in the form of data, clear information on the occurrence of violations in connection with the indications/allegations of irregularities previously mentioned.
Reports are made in good faith and are not a complaint against a person, a particular company or slander.
The reporter must provide complete information about his identity to facilitate communication including full name, telephone number or email address where he can be contacted.

Sahabat Insurance maintains the confidentiality of reporting data from unauthorized parties and provides:
• The confidentiality of the identity of the reporting person is ensured as well as
• The confidentiality of the information.

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