Posts Tagged ‘clauses’

Apa yang tidak disampaikan oleh perusahaan asuransi kepada anda saat membeli asuransi kebakaran?

What insurers do not tell you about fire insurance? Full story

Sub Limits on IAR/PAR Policies

Sub-Limits are imposed on IAR/PAR Policies to reduce the insurers liability for certain covers or to give extra extensions that are now very common included in the policy schedule   It is important that these be imposed for those type of perils or covers where it is inappropriate for the full policy limit(s) to apply. Remember that where no sub limit appears then the full sum insured is the limit.   Sub limits are now very common for the following covers:   Full story

Average: Pertanggungan dibawah harga

Pertanggungan dibawah harga? Apa maksudnya? Jika rumah (gedung) anda seharga Rp 1,000,000,000 tapi anda hanya meng-asuransi-kannya seharga Rp 500,000,000 saja. Maka sangat wajar jika terjadi klaim pihak Asuransi hanya akan membayar ganti rugi  50% dari Harga Sebenarnya (Value at Risk) , itu yang disebut Pertanggungan dibawah harga (under insurance).   Full story

Very Important Clauses : Klausul-Klausul Penting dalam Asuransi Kebakaran (Fire & Property Insurances)

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Indemnity vs Reinstatement

Pernahkah anda mengalami pembayaran klaim asuransi anda dipotong 10%, 20% bahkan lebih dengan alasan depresiasi atau penyusutan??   Menyebalkan bukan?? Pasti anda sangat kecewa sekali… Kecewa sekali karena pihak Asuransi tidak pernah menjelaskannya diawal kontrak Kecewa sekali karena anda diminta untuk membaca wording polis dengan seksama Kecewa sekali karena katanya itulah prinsip dasar Asuransi: Indemnity   Anda memang patut kecewa, karena yang anda perlukan sebenarnya hanyalah melekatkan klausul pemulihan nilai: Reinstatement Value Clause   Full story

Wordings & Clauses Asuransi Pengangkutan Barang (Marine Cargo Insurance) – download here

AHLIΔSURANSI.COM  Wordings & Clauses Asuransi Pengangkutan Barang (Marine Cargo Insurance) – download here   ·          Institute Cargo Clauses (A) - Bilingual ·          Institute Cargo Clauses (B) - Bilingual ·          Institute Cargo Clauses (C) - Bilingual ·          Polis Standar Asuransi Pengangkutan Barang Indonesia ·          Institute Cargo Clauses (Air) - Bilingual ·          Institute War Clauses (Cargo) - Bilingual ·          Institute Strikes Clauses (Cargo) - Bilingual ·          Institute Malicious Damage Clauses - Bilingual ·          Institute Theft Pilferage & Non Delivery Clauses - Bilingual ·          Institute Replacement Clauses - Bilingual ·          Institute Classification Clauses - Bilingual   Baca lebih lengkap tentang: Full story

Wordings & Clauses Asuransi Kapal (Marine Hull & Machinery Insurance) – download here

AHLIΔSURANSI.COM   Wordings & Clauses Asuransi Kapal (Marine Hull & Machinery Insurance) – download here   ·          Institute Time Clauses – Hulls 1.10.83 Clause 280 ·          Institute Time Clauses – Hulls 1.10.83 Clause 284 ·          Institute Time Clauses – Hulls 1.10.83 Clause 289 ·          Institute Time Clauses – Hulls 1.11.95 Clause 280 ·          Institute Time Clauses – Hulls 1.11.95 Clause 284 ·          Institute Time Clauses – Hulls 1.11.95 Clause 289 ·          Institute Voyage Clauses – Hulls 1.10.83 Clause 285 ·          Institute War & Strikes Clauses – Hulls 1.10.83 Clause 281 ·          Institute Time Clauses – Hulls Disbursement and Increased Value 1.10.83 Clause 290 ·          Institute Protection & Indemnity Clauses 20.7.87 Clause 344 ·          Other Clauses (Hulls)   Baca lebih lengkap tentang: Full story

Wordings & Clauses Asuransi Pembangunan Kapal (Builders Risks Insurance) – download here

AHLIΔSURANSI.COM   Wordings & Clauses Asuransi Pembangunan Kapal (Builders Risks Insurance) – download here   ·          Institute Clauses for Builders Risks 1.06.88 Clause 351 ·          Institute Strikes Clauses for Builders Risks 1.06.88 Clause 350 ·          Other Clauses (Builders Risks)   Baca lebih lengkap tentang: Full story

Wordings & Clauses – download here

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