Apa yang dijamin dalam Maintenance Covers?

Tuesday, December 25, 2012, 10:00
Contractors’ All Risks (CAR), Engineering & Construction, Erection All Risks (EAR)
533 comments

Banyak rekan-rekan yang masih belum mengerti apa yang dijamin dalam “Maintenance Cover” dalam Polis Asuransi CAR / EAR. Sebagian menganggap bahwa risiko-risiko yang dijamin dalam Maintenance Cover (atau Maintenance Period) sama dengan risiko-risiko yang dijamin dalam Periode Konstruksi (Construction Period) dalam CAR atau Periode Instalasi (Erection Period) dalam EAR, sebagian bahkan berpendapat bahwa “Maintenance Cover” sama dengan memberikan free PAR cover atau free CECR cover. Padahal tidak demikian halnya, mari kita perhatikan.

Insurance cover for the maintenance period should only be granted when the works contract imposes maintenance liability on the contractor and only to the extent of the liability specified.

Therefore, study the works contract maintenance clauses and then propose a suitable endorsement.

Insurance cover during the maintenance period is basically limited to loss or damage caused by the contractor carrying out:

•minor adjustments,

•normal making good,

•replacing parts of sub-normal quality

•correcting deficiencies

to achieve guaranteed performance in fulfillment of his contractual obligations.

•This basic cover is given with the endorsement called: Visits Maintenance

Endorsement 003

Maintenance visits cover

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon and subject to the Insured having paid the agreed extra premium, this insurance shall be extended for the maintenance period specified hereunder to cover solely loss of or damage to the contract works caused by the insured contractor(s) in the course of the operations carried out for the purpose of complying with the obligations under the maintenance provisions of the contract.

Maintenance cover: from …… to …….

Extra premium: ……

Download : Endorsement 003 Maintenance visits cover

•This endorsement covers loss or damage due solely to acts and activities of the contractor on the site during the maintenance period and required by the works contract,

e.g. if the contractor damages a rolling mill gear which he has to open for inspection within the maintenance period, then the damage is covered.

Jadi, jelaslah bahwa Maintenance Cover hanya menjamin risiko-risiko pekerjaan maintenance saja untuk memenuhi kewajiban pekerjaan pemeliharaan sebagaimana dipersyaratkan dalam kontrak, tidak ada lagi jaminan atas risiko-risiko utama seperti kebakaran, petir, pencurian, banjir, tanah longsor, gempa bumi, dan lain-lain.

Jaminan asuransi dalam masa pemeliharaan (maintenance period) terbatas pada kerusakan atau kerugian yang disebabkan oleh kontraktor dalam melakukan pekerjaan pemeliharaan saja yang umumnya terbatas pada pekerjaan-pekerjaan penyetelan, perbaikan kecil, penggantian spare-parts, dan sejenisnya.

Extended Maintenance and Guarantee Maintenance memberikan jaminan yang lebih luas dari Visits Maintenance

Endorsement 004

Extended maintenance cover

– caused by the insured contractor(s) in the course of the operations carried out for the purpose of complying with the obligations under the maintenance provisions of the contract,

– occurring during the maintenance period provided such loss or damage was caused on the site during the construction period before the certificate of completion for the lost or damaged section was issued.

Maintenance cover: from ….. to …..

Extra premium: …..

Download : Endorsement 004 Extended maintenance cover

•This endorsement includes the cover of Visits Maintenance

and additionally cover for accidental loss or damage caused by faults and errors made during the erection work or due to consequences of faulty material and/or bad workmanship, always excluding the faulty part.

•If during the maintenance period a motor shaft breaks, clearly due to bad alignment of the motor to the driven machine, which is an erection fault, the damage is covered.

•If a blast furnace fan disintegrates during the maintenance period because its shaft breaks due to faulty material, damage to the fan is covered. However, the faulty shaft and the normal cost of exchanging it would not be indemnified but only the cost of repairing all additional damage.

Extended Maintenance Cover menjamin Visits Maintenance plus kerusakan atau kerugian yang terjadi pada masa pemeliharaan namun penyebab kerusakan atau kerugian terjadi sebagai akibat kesalahan atau kelalaian saat periode konstruksi atau instalasi atau sebagai akibat cacat material atau cacat pengerjaan. Bagian yang cacat atau penyebab kerusakan dikecualikan.

Maintenance guarantee cover

If the insured is the manufacturer of the machinery or plant to be insured and has also been commissioned with the erection work, the manufacturer’s liability for loss or damage during the guarantee period, as stipulated in the supply contract, can be included in the insurance to a certain extent in addition to the abovementioned covers.

Endorsement 201

Guarantee Cover

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon and subject to the Insured having paid the agreed extra premium, this insurance shall be extended for the guarantee period specified hereunder to cover solely loss of or damage to the insured items resulting from faults in erection, faulty design, defective material or casting, and/or bad workmanship, but excluding the costs the Insured would have incurred for rectifying the original fault had such fault been discovered before the loss occurred.

This extension shall not cover any loss or damage arising directly or indirectly from or in connection with fire, explosion and/or any Acts of God nor shall it cover any third party liability.

Guarantee cover from ….. to ……

Deductible: 20 % of the loss amount, …………… minimum any one occurrence.

Extra Premium: ……

Download : Endorsement 201 Guarantee Cover

•This endorsement includes cover of Extended Maintenance and additionally cover for accidental loss or damage due to consequences of faulty design,

e.g. if a crane bridge collapses because the design is inadequate, damage caused during the maintenance period to machinery erected and operating below is covered. However, replacing the too weak bridge by a correctly designed one would not be indemnified.

Jadi, Apakah sudah jelas apa yang dijamin dalam Maintenance Covers?

Jadi, Apakah sudah jelas perbedaan apa yang dijamin dalam Endorsement 003 Maintenance Visits cover v Endorsement 004 Extended Maintenance cover v Endorsement 201 Guarantee Cover?