Sharing the Blessings of Ramadan with Sahabat Insurance

Terakhir Diubah : 21:08:08 - Kamis, 28 Maret 2024

The Beauty of Sharing in the Holy Month of Ramadhan Blessings to Achieve Victory.In order to share happiness and togetherness in the holy month of Ramadan 1445 Hijri, Sahabat Insurance shared the blessings of Ramadan at the Amanah Assodiqiyah Orphanage Foundation in Rajeg, Tangerang Regency, Banten on Thursday, 28 March 2024. This activity is carried out as a form of Sahabat Insurance's commitment to a sense of concern among mankind.

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5 Reasons People Refuse Insurance

Indonesia is still listed as an underinsured country, this is because there are still many Indonesians who do not have insurance. There are many reasons why Indonesians are lazy to have insurance. Some of these reasons are based on one thing, namely the lack of insurance education for the public. Here are the top 5 reasons why Indonesians are still reluctant to get insurance according to the Insurance Magazine version:

Do not understand
Because insurance is not very popular in the community, many terms are not understood by the Indonesian people, thus causing people to be afraid of being deceived and decide not to have insurance, whether car, health, or life insurance. People's ignorance can actually be overcome if there is education that is easy and simple to understand, sometimes the explanation received by the community from an insurance agent is not explained in simple language.

Too expensive
Insurance is still considered a luxury and out of reach. Whereas the government and private companies have provided several various insurance options and along with the growth of the insurance industry, prices have become very competitive. For example, the price of personal accident insurance can be around Rp. 25,000 (twenty five thousand rupiah) but it can still provide a fairly high protection value. The price of insurance today is much cheaper in the past, maybe even this price is not more expensive than people's spending on mobile phone credit.

There are still other needs
This is very understandable, but make sure that what is meant by other needs are very urgent or primary needs and once you have enough savings, start insurance no matter how small the amount. Because no matter how small the insurance value, it will be very helpful when needed.

“I Will Drive Carefully” (Car Insurance)
Even if you drive very carefully, your car still has the risk of being hit, dented, or other traffic incidents. Therefore, insure your vehicle, so that your financial status remains stable if something happens to the vehicle.

Insurance Claims Must Be Difficult
This point, really depends on the type of insurance company chosen, but in general, if you have read it carefully and understand the insurance policy comprehensively, insurance claims should not be a frightening specter. Therefore, it is highly recommended to consult first with some relatives or experts before buying insurance products.

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The functions of the hazard lights

1. Use in an emergency
In accordance with the Law on Road Transport Traffic (LLAJ) Article 121 paragraph 1, every motorized vehicle driver is required to install a safety triangle, a hazard warning signal light, or other signals when stopping in an emergency situation on the road. For example, your vehicle stops due to an emergency during a breakdown, a traffic accident, or other conditions such as a tire that needs to be replaced. If you are in an emergency situation, then immediately pull over and press the hazard lights.
2. As a warning sign
The next function of the hazard light is as a warning sign. While driving on the road, there are times when you meet an emergency situation that can threaten your safety.
For example, your brakes don't work, or someone suddenly crosses the road, or other conditions that require you to stop suddenly in the middle of the road.
3. Not for Use in Bad Weather
A misunderstanding about the function of hazard lights is to use them in bad weather such as heavy rain or heavy fog.
Turning on the hazard lights when the weather is bad can actually endanger safety. This is because when the hazard light is active, the automatic turn signal cannot function. If you want to give a turn signal, the vehicles behind you will have a hard time understanding it.
4. Not a signal when entering the tunnel
Turning on the hazard lights when entering the tunnel should be avoided. The hazard light signal will actually confuse the driver of the motor vehicle behind you. When entering a dark tunnel or passage, simply turn on the main light or evening light to maintain visibility.
5. Not for convoys
There are still many car drivers who misinterpret the use of hazard lights. One of them is to use hazard lights during convoys or convoys.
It can be concluded that the actual hazard light function should only be used in an emergency, such as when an accident occurs or the car suddenly breaks down. Avoid turning on hazard lights without a clear situation because it can endanger safety.

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Sahabat Insurance at Infobank 24th Insurance Award

Jakarta, 27 July 2023 - PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) received the "excellent" award in Infobank's general insurance rating for 3 consecutive years, namely in 2021, 2022 and 2023. Sahabat Insurance won 2nd place in the category of General Insurance Companies with a Gross Premium of IDR 250 billion to IDR 500 billion in 2023 (2022 performance) at the Infobank 24th Insurance Awards 2023 which was held at Hotel Indonesia Kempinski, Jakarta.

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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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