Hail phenomenon in Indonesia

Terakhir Diubah : 09:13:21 - Kamis, 24 Februari 2022

A number of areas in the city of Surabaya were hit by heavy rain accompanied by strong winds and large amounts of ice on Monday (21/2/2022) at around 14.50 WIB. So what causes hail? Hail occurs because there is a temperature difference in the clouds and the earth's surface is reached. So, the air temperature on the earth's surface is very hot while Cumulonimbus (CB) clouds in the sky have very low temperatures, which can reach minus 80 degrees. So that when it rains, the ice has not melted and there is hail. Then can a vehicle damaged by hail be covered by insurance? You have to re-check your vehicle policy, whether hail is a natural disaster covered by your Vehicle Insurance. For information about vehicle protection, contact us at 021-50508080.

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Sahabat Insurance received The Finance awards - Top Financial Institution Awards 2023

Jakarta-Sahabat Insurance received great appreciation for its performance achievement at the “Top General Insurance Company 2023" with gross premiums of IDR 250 billion to < IDR 500 billion based on the survey results of the Biro Riset Infobank in 2023. This award was given by The Finance Digital Magazine at the “Top Financial Institution Awards 2023" at The Grand Ballroom Kempinski, Tuesday, November 14, 2023. The Finance awards based on survey results and independent studies by the Infobank Research Bureau, where the financial institution award category consists of banks, life insurance companies, general insurance companies and multi-finance companies. The award was given based on the results of the rating entitled "Top 20 Financial Institutions 2023" by The Finance digital magazine on the financial performance reports of four financial institutions from 2020 to 2022.

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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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Cheerful Ramadan with Sahabat Insurance

On Friday, March 21st 2025, PT Asuransi Sahabat Artha Proteksi (Sahabat Insurance) held a donations event with orphans from the Panti Asuhan Wisma Karya Bakti - Yayasan Oto Iskandar Dinata located at Jl Raya Curug No.2, Curug, Bojongsari, Depok.

Through this event, Sahabat Insurance hopes to spread joy, feel the warmth of togetherness, and add blessings to this holy month of Ramadan. Sahabat Insurance’s Ramadhan donation program is a program that is carried out every year in the month of Ramadhan as a commitment in supporting community welfare, foster empathy and social awareness.

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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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