Adira Prepares Insurance Products For The Impact Of Flood Disaster Risk

Illustration. (Photo: Adira Insurance)

JAKARTA - Continuous rain since New Year's Eve 2020 has resulted in high floods in a number of Jabodetabek areas. The impact of this flood risk does not only threaten properties such as houses, office buildings and factories, but also threatens motor vehicles.

The problem is, not many people understand that insurance protection can guarantee the risk of flooding to customer assets. Not only protects the customer's property and motorized vehicles, insurance that guarantees the risk of flooding is an extension of the main guarantee that can cover the risk of the contents of the customer's property.

Julian Noor, Chief Executive Officer of PT. Adira Dinamika Insurance Tbk (Adira Insurance) said that in connection with this disaster, Adira Insurance has products that can be protected from flood risks such as car insurance (Autocillin) and motorbikes (Motopro), then property insurance such as housing (Home Insurance) and shop (Arthacillin).

"Customers can divert the risk of flooding to those who are willing to bear it, in this case the loss insurance company by purchasing a flood expansion guarantee. This product guarantees customers' assets from the threat of flooding," he said in a written statement, Thursday, January 2.

However, he continued, it should be noted that the claim will apply to policyholders who have already extended the flood risk guarantee. Not all vehicle and property insurance policies are extended with flood risk cover, so only vehicles and property that are expanded with flood risk can cover insurance changes.

Julian reminded that in order for the flood claim to be accepted, the customer must make sure by buying an expansion of the coverage caused by the flood. "Customers must understand the contents of the insurance policy so that there is no misunderstanding in insurance," added Julian.

Then, if the insurance claim, especially for vehicles, is still being denied by insurance, said Julian, it is related if the customer deliberately drives it or crashes during a flood.

"Already know there is a flood, the customer is still determined to go through the flood. Of course the insurance company will reject this claim. This case is included in an exception that is not guaranteed in the insurance policy. However, what is happening now is that many vehicles are parked at home and are apparently hit by a flood. it can be covered, but there must still be an expansion of the floods, "explained Julian.

If there are customers who want to evacuate vehicles or other items in their property or house, Adira Insurance also provides an Adira Care call center that receives reports or requests for evacuation assistance for 24 hours.

In addition, to expand flood insurance for motorized vehicles, Adira Insurance has towing car facilities, Emergency Road Assistance, and ambulances that are ready to assist customers in emergency situations on the road.

"The Adira Insurance disaster response team will be ready 24 hours to provide assistance to customers affected by disasters, especially the current flood disaster," said Julian.

The main assistance from Adira Insurance's disaster response team is to evacuate customer vehicles to a safer location and to repair vehicles for flood damage according to the guarantees recorded in the policy. In addition, the Adira Insurance disaster response team also provided logistical assistance for flood victims through existing flood posts.