Vehicle Identification Number (VIN)

Terakhir Diubah : 06:47:41 - Wednesday, 15 December 2021

In general, each car has a unique vehicle identification number or NIK. This number consists of 17 characters, combines letters and numbers and is considered the birth certificate of the car. In fact, it is an international code created to facilitate car identification. NIK is also known as the Vehicle Identification Number (VIN). NIK stores a lot of information such as car history records, car variations and models, where they were made, specifications, and much more. This number can be found on different parts of the car such as the driver's door, chassis, hood, dashboard and under the front passenger seat depending on the type of car you have.

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Sahabat Insurance Excellent Predicate From Infobank Magazine

PT Asuransi Sahabat Artha Proteksi or Sahabat Insurance has achieved the "Excellent" performance title in the General Insurance category with a Gross Premium of IDR. 500 Billion up to < RP1 Trillion version of Infobank Magazine July 2024 Edition No. 555 in the theme "Insurance Rating 2024" Previously, Sahabat Insurance had achieved the title "Excellent" in 4 consecutive years, in 2021, 2022, 2023 and 2024.
In 2023, Sahabat Insurance won 2nd place in the category of Public Companies with Gross Premiums of IDR 250 billion to IDR 500 billion in 2023 (based on the 2022 performance).
In 2024, Sahabat Insurance has achieved an impressive 5th place in General Insurance category with a Gross Premium of IDR. 500 Billion up to < IDR 1 Trillion (based on the 2023 performance).

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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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Tips for Driving in the Rain

Driving in rain, whether a sprinkle or a heavy downpour, can be one of the most difficult driving situations a driver encounters. If it’s been raining heavily, you need to be careful as you drive and not hit puddles at spend. Rainy day increase the risk of Aquaplaning.

Aquaplaning or hydroplaning by the tires of a road vehicle, when a layer of water builds between the wheels of the vehicle and the road surface, leading to a loss of traction that prevents the vehicle from responding to control inputs. If it occurs to all wheels simultaneously, the vehicle becomes, in effect, an uncontrolled sled or an accident.

The best strategy is to avoid contributors to aquaplaning. Proper tire pressure, narrow and unworn tires, and reduced speeds from those judged suitably moderate in the dry will mitigate the risk of aquaplaning, as will avoidance of standing water or flood.

For more information about car insurance please call Sahabat Insurance at 021-50508080 (call/WA).

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Sahabat Insurance achieved “idBBB” financial strength rating with stable outlook from Pefindo

PEFINDO has assigned its “idBBB” financial strength rating with stable outlook to PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance).
The rating reflects Sahabat Insurance’s moderate capitalization, adequate liquidity, and moderate asset quality.
Source:www.pefindo.com

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