Endorsement 102: Special conditions concerning underground cables, pipes and other facilities

Apakah putusnya jaringan kabel serat optik PT. Telkom dan pipa PAM Palyja yang menyebabkan kerugian miliaran rupiah akibat mesin ekskavator yang tengah mengerjakan proyek pembangunan jalan layang non-tol (JLNT) Kampung Melayu-Tanah Abang tidak sengaja mengeruk tanah yang di dalamnya ada kabel serat optik PT. Telkom dan pipa PAM Palyja dijamin dalam asuransi CAR si kontraktor JLNT??

Endorsement 102: Special conditions concerning underground cables, pipes and other facilities mengatur ketentuan jaminan atas hal tersebut di atas, dan bisa jadi perusahaan asuransi yang bersangkutan harus menyiapkan dana untuk membayar klaimnya. (redaksi kalimat di koreksi 22.10.2013)

Namun perhatikan terlebih dulu “Pre-requisite conditions” nya. Check Clause 102 di sini.

 

Endorsement 102: Special conditions concerning underground cables, pipes and other facilities

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon, the Insurers shall only indemnify the Insured in respect of loss of or damage to existing underground cables and/or pipes or other underground facilities if, prior to the commencement of works, the Insured has inquired with the relevant authorities about the exact position of such cables, pipes or other underground facilities and takes all necessary steps to avoid damage to same.

 

Claims in respect of loss of or damage to such underground facilities which are in the same position as shown on the underground maps (drawings indicating the position of the underground facilities) shall be payable after applying a deductible of 20% of the loss amount or the deductible stated under a below, whichever is the greater.

 

Claims in respect of loss of or damage to underground facilities incorrectly shown on the underground map shall be payable after applying the deductible stated under b below.

 

The indemnity shall in any case be restricted to the repair costs of such cables, pipes or other underground facilities, any consequential damage and penalties being excluded from the cover.

 

Deductibles:

a) 20% of the loss amount, minimum …….. any one occurrence

b) ……….

 

 

Persyaratan 1:

…If prior to the commencement of works, the Insured has inquired with the relevant authorities about the exact position of such cables, pipes or other underground facilities …

Apakah kontraktor sudah mendapatkan peta lokasi dimana kabel serat optik PT. Telkom dan pipa PAM Palyja berada sebelum melakukan ekskavasi? Di Indonesia, bisa jadi kurangnya koordinasi antar lembaga atau instansi akan menjadi “masalah” yang menyebabkan klaim di tolak.

Persyaratan 2:

.. and takes all necessary steps to avoid damage to same

Jika sudah mengetahuinya, apakah sudah dilakukan langkah-langkap pencegahan? Memberikan tanda, rambu-rambu, batas-batas ekskavasi? SOP yang harus dilakukan? Training dan penjelasan kepada buruh? Team Penyelamatan Darurat, Koordinasi dengan pemilik instalasi, dan lain sebagainya?

Persyaratan 3:

Minimum deductible yang pastinya besar untuk kerusakan atau kerugian underground cables, pipes and other facilities dan untuk fasilitas yang tidak tampak atau salah tampak di peta deductible nya akan lebih besar lagi?

Persyaratan 4:

Apakah consequential damage and penalties dijamin dalam Section 2 Polis CAR nya??

 

Nah Kontraktor…Be Careful..!! dalam membeli polis CAR dan Contractors’ Liability nya

 

By Imam MUSJAB

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