What Do I Do If My House Floods?

Terakhir Diubah : 04:37:18 - Wednesday, 10 November 2021

Flooded house? This is what you should do. Turn off the electricity when there is a flood, if the flood has subsided, clean the house immediately. It is important to dispose of items that cannot be saved immediately to prevent mold and bacteria from growing. Do not wait long, immediately clean with clean water to remove mud and soil, if the flood brings garbage, clean the floor with a solution of bleach or antiseptic.

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Sahabat Insurance Implementing Financial Literacy & Inclusion

Financial literacy and inclusion are important elements for both the growth of a strong and sustainable financing industry and the economy. Our efforts to increase financial literacy and access are realized through the implementation of various financial literacy and inclusion programs. Programs related to financial literacy and inclusion are expected to support the growth of community’s financial in various parts of Indonesia.

Sahabat Insurance Implementing inclusion and literacy activities with business partners at the Joycup Is Back event, held on July 10, 2025, at the Royale Jakarta Golf Club, Halim Perdanakusuma, Jakarta. This exhibition was part of the inclusion and literacy activities held during Financial Literacy Month 2025, a series of education and inclusion programs recommended by the Financial Services Authority (OJK).

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CSR Sahabat Insurance

As a form of our social care for society, every year we have CSR programs in various fields. Not just carrying out social responsibility, the CSR Program is certainly intended to bring many benefits to society. The education sector is one of our main focuses. Every year there are always activities aimed at developing education. We believe that education is the best investment that can be done for this country. Therefore we are committed to taking part in developing the best education for the Indonesian children. Our CSR programs related to education in collaborate with SOS Children’s Village. CSR assistance was received symbolically by Mrs. Julia Soekamto representative of SOS Children's Village Cibubur at the headquarters of PT Asuransi Sahabat Artha Proteksi on Tuesday, January 14, 2025.

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Motor Vehicle Insurance: Comprehensive vs TLO

Car insurance is an essential solution for vehicle owners, especially as traffic conditions become more congested and driving risks continue to increase. Whether your car is being used daily or parked at home or at work, the risk of accidents, damage, or theft is always present and often unpredictable.

With car insurance from Sahabat Insurance, you can drive with greater peace of mind knowing your vehicle is well protected.

Why Is Car Insurance Important?

Even if you drive carefully, unexpected incidents may still occur at any time. Car insurance helps protect you from costly repair expenses and financial losses caused by accidents or vehicle theft.

Today, car insurance products are widely available at affordable premiums. When compared to the benefits and coverage provided, the cost of car insurance is well worth the protection and security you receive.

Types of Car Insurance You Should Know

Before choosing a car insurance policy, it is important to understand the available coverage options.

1. Total Loss Only (TLO) Insurance

Total Loss Only (TLO) insurance provides coverage for total loss of your vehicle due to theft or severe damage. A loss is considered total if the estimated repair cost reaches or exceeds 75% of the vehicle’s market value immediately before the incident.

Please note that TLO insurance does not cover minor damages such as small scratches or dents. These types of repairs remain the responsibility of the vehicle owner.

2. All Risk / Comprehensive Insurance

All Risk or Comprehensive insurance offers broader and more complete protection. This type of coverage includes minor damages such as scratches and small dents, as well as major damages caused by serious accidents or vehicle theft, as long as they are stated in the policy.

Comprehensive insurance from Sahabat Insurance can also be enhanced with additional coverage, including:

* Protection against natural disasters such as floods and earthquakes
* Coverage for riots and civil disturbances
* Third-party liability coverage if an accident causes injury or damage to others

These extended protections help ensure your vehicle is safeguarded against a wide range of potential risks.

Choose the Right Car Insurance for Your Needs

By understanding the differences between car insurance types, you can select the coverage that best suits your vehicle and lifestyle. Sahabat Insurance is committed to helping you find reliable and effective car insurance solutions tailored to your needs.

For more information about car insurance products, premiums, and coverage options, contact Sahabat Insurance at 021-50508080 and get the best protection for your vehicle.

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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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