Lost Your Luggage? Here's What To Do Now

Terakhir Diubah : 07:01:12 - Selasa, 14 Desember 2021

One of the problems that may occur while on vacation is losing valuables or luggage on the way.
1. Don't panic, immediately contact the place where the bag/valuable item is lost, for example a hotel, airline or airport.
2. Make a loss report to the police as one of the conditions for an insurance claim.
3. If your passport is lost, immediately contact the embassy to get a replacement passport. If you lose your wallet and credit card, block the card immediately by contacting your bank.
4. Make sure you save all important data in the email, so you have a back up of data in case of loss.
5. Use travel insurance to cover the trip from unexpected risks that may occur.

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Safety Tips For Your Home

When you are away or while you are at home, sometimes you are worried about the condition of the house that is prone to theft. Beware of house theft! Here are some tips to keep your house safe from thieves.

Check home security
Before you leave the house or go to bed, make sure you lock the doors and close the windows throughout the house. Most thieves will aim for targets that are easy for them to break into. Start locking all entrances such as the front fence, doors, to all windows since eight o'clock at night. If necessary in some major logins, you can use a double lock.

Store valuables or electronics
It could be that after playing with your cellphone or laptop, you just carelessly leave it on the sofa. Items no matter how small the value will make a loss if lost. Check different corners of the house to collect these items and store them in a place where they can't be easily seen by others.

Use CCTV to help you
CCTV can help you to check the security of your home while you are away on your smartphone.
Reduce sharing your privacy on Social Media
Sometimes during your free time, you accidentally share the condition of your house and location. Avoid showing off the condition of your house on social media or sharing the location of your house, so you don't risk bringing unwanted things

Use Home Insurance
Home insurance can help you in the event of an unexpected loss, such as a fire, burglary or even a flood. Call us for the insurance plan you want at 021-50508080.

The condition of increasing crime can indeed worry everyone. But, don't disturb the comfort of all family members at home. Do the simple things above to increase your safety and comfort at home. Stay safe!

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What to do after a car accident

When you get into a car accident, there are certain steps you may want to take in order to help make sure everyone is safe, to follow the law and to get the insurance claim process started.

First, check your car and the passenger. If your car is safe to drive and is causing a hazard where it is, pull it to the side of the road. Otherwise, leave it where it is and get yourself to safety.

Second, if you're injured, call police or ambulance, secure the vehicle and ask for help. If you're seriously injured, try not to move, and wait for emergency personnel.

Third, notify your insurer and start the claims process. Call the insurance maximum 5 working days.

An accident can leave even the most seasoned driver frazzled, but following these steps may help protect you from unnecessary worries. That way, you can focus on working with your insurance company to get your vehicle repaired as smoothly and as quickly as possible.

Call us Sahabat Insurance for more info 021-50508080.

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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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Earthquake Insurance: Extension Coverage

Earthquakes may happen naturally , but we do not know exactly when. Vehicle insurance, as in the Indonesian Automotive Insurance Standard Policy issued by AAUI, does not have Earthquake Coverage included in the Standard policy. To have an Earthquake Risk Guarantee, the Insured needs to extend the Earthquake Protection Guarantee as Extension Coverage (Additional Coverage). For more info about the extension coverage, please contact Sahabat Insurance call center or via WhatsApp chat: 021-50508080.

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