What Is an Insurance Policy Period?

Terakhir Diubah : 09:15:25 - Thursday, 09 February 2023

An insurance policy period is the time frame during which an insurance policy is effective. Based on chapter IV, article 7 in INDONESIAN MOTOR VEHICLE INSURANCE STANDARD POLICY, it is a condition precedent to liability under this policy, that any premium payable shall have been paid off and actually received in full by the Insurer, in the event of:

insurance period of 30 (thirty) days or more, then settlement of premium payment shall be conducted within a period of 14 (fourteen) calendar days as of the date of inception of this Policy;

such insurance period is less than 30 (thirty) days, settlement of premium payment shall be conducted at the time of issuance of Policy.

In case the Insured fails to fulfill the liabilities as referred to in paragraph above, this Policy shall be automatically terminated without issuing cancellation endorsement starting from the expiry of the grace period and the Insurer shall be discharged from any liability there from.

For more info about Sahabat Insurance call 021-50508080.

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Sahabat Insurance New Office Representative in Alam Sutera!

Sahabat Insurance continues to be a leading force in the insurance industry, announcing the opening of an additional representative office in Alam Sutera, Tangerang. The ceremony was held at Sahabat Insurance Alam Sutera office, which was attended by directors - Mr. L. Berly Wennas as President Director, by Mrs. Sekar Tunggal as Technical Director, Mrs. Sylvy Setiawan as Marketing Director, Mr. Yongkie Avriano as Head of Tangerang Representative Office, dealer partners, financing institution partners, employees and other work partners.

Sahabat Insurance Alam Sutera is now open and ready to serve local residents with reliable services from Monday to Friday, 08.30-17.30 (Jakarta Time).

For information, Sahabat Insurance has 20 representative offices and branch offices in Indonesia. Sahabat Insurance Alam Sutera representative office is the first representative office established in Tangerang.

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How To Claim Car Insurance

Before filing a claim for a car that was damaged in an accident or lost, you need to prepare several documents, including:
Insurance policy in original and photocopy.
Copy of SIM and STNK.
Proof of a police report if the car is seriously damaged due to an accident or loss.
Completely filled and signed claim form.
Written chronology of events.
Photos of damage such as, scuffs, dents and others.
To find out how long a car insurance claim will take, you can directly ask an agent or Sahabat Insurance customer service at 021-50508080.

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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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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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