- Wednesday, December 30, 2015, 14:41
- Automobile Liability
Polis Automobile Liability dapat diterbitkan sebagai perluasan jaminan (extended clauses) dari polis Comprehensive General Liability (CGL), dapat juga diterbitkan sebagai perluasan jaminan dari Polis Asuransi Kendaraan Bermotor (PSAKBI), atau dapat juga diterbitkan terpisah (stand-alone).
Apa yang dijamin dalam Polis Automobile Liability?
Polis Automobile Liability menjamin Tanggung jawab hukum Tertanggung atas (1) kerusakan atas harta benda; ...
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- Wednesday, December 30, 2015, 6:21
- Asuransi Syari'ah, Features, Insurance News
Ujian Gelar Profesi Asuransi Syariah Indonesia agak berbeda dari ujian AAMAI yang harus lulus beberapa subjek ujian dan bisa dilakukan dengan belajar mandiri. Ujian Gelar Profesi Asuransi Syariah diselenggarakan dalam 3 tahapan dengan sistim pelatihan asuransi syariah terlebih dahulu kemudian disusul dengan ujian, dan syarat untuk ikut ujian ajun (AIIS) atau ahli asuransi syariah (FIIS) pun harus telah memiliki gelar profesi ...
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Banyak rekan yang meminta wordings polis D&O Liability karena perusahaan asuransi tempatnya bekerja tidak punya wordings polisnya. Berbeda dengan polis-polis standar seperti polis asuransi harta benda yang menggunakan IAR Munich Re wordings, atau ISR Mark IV wordings, atau polis asuransi kapal yang menggunakan ITCH (Institute Time Clauses – Hulls), Polis D&O Liability adalah tailored-policies dimana setiap perusahaan membuat wordings polisnya sendiri, ...
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- Thursday, December 24, 2015, 18:03
- Asuransi Syari'ah, Features
Asuransi Syariah (Ta’min, Takaful atau Tadhamun) adalah usaha saling melindungi dan tolong-menolong di antara sejumlah orang/pihak melalui investasi dalam bentuk aset dan / atau tabarru’ yang memberikan pola pengembalian untuk menghadapi resiko tertentu melalui akad (perikatan) yang sesuai dengan syariah (Fatwa DSN No.21/DSN-MUI/X/2001)
Akad adalah perjanjian tertulis yang memuat kesepakatan tertentu beserta hak dan kewajiban para ...
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- Thursday, December 24, 2015, 16:16
- Asuransi Syari'ah, Features
FATWA
DEWAN SYARI’AH NASIONAL
NOMOR 53/DSN-MUI/III/2006
TENTANG
AKAD TABARRU’ PADA ASURANSI SYARI’AH
بِسْمِ ٱللَّهِ ٱلرَّحْمَٰنِ ٱلرَّحِيمِ
Dewan Syari’ah Nasional setelah
Menimbang
:
bahwa fatwa No. 21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Syariah dinilai sifatnya masih sangat umum ...
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- Thursday, December 24, 2015, 16:09
- Asuransi Syari'ah, Features
FATWA
DEWAN SYARI’AH NASIONAL
NOMOR 52/DSN-MUI/III/2006
TENTANG
AKAD WAKALAH BIL UJRAH PADA ASURANSI SYARI’AH DAN REASURANSI SYARI’AH
بِسْمِ ٱللَّهِ ٱلرَّحْمَٰنِ ٱلرَّحِيمِ
Dewan Syari'ah Nasional setelah
Menimbang
:
bahwa fatwa DSN No.10/DSN-MUI/2000 tentang Wakalah dan fatwa No. ...
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- Thursday, December 24, 2015, 16:05
- Asuransi Syari'ah, Features
FATWA
DEWAN SYARI’AH NASIONAL
NOMOR 51/DSN-MUI/III/2006
TENTANG
AKAD MUDHARABAH MUSYTARAKAH PADA ASURANSI SYARIAH
بِسْمِ ٱللَّهِ ٱلرَّحْمَٰنِ ٱلرَّحِيمِ
Dewan Syari’ah Nasional setelah
Menimbang
:
bahwa akad Mudharabah Musytarakah untuk asuransi sangat diperlukan oleh industri asuransi syariah;...
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- Thursday, December 24, 2015, 15:58
- Asuransi Syari'ah, Features
FATWA
DEWAN SYARI’AH NASIONAL
NOMOR 21/DSN-MUI/X/2001
TENTANG
PEDOMAN UMUM ASURANSI SYARI’AH
بِسْمِ ٱللَّهِ ٱلرَّحْمَٰنِ ٱلرَّحِيمِ
Dewan Syari’ah Nasional setelah
Menimbang
:
bahwa dalam menyongsong masa depan dan upaya meng-antisipasi kemungkinan terjadinya resiko dalam kehidupan ekonomi yang ...
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- Thursday, December 24, 2015, 15:19
- Asuransi Syari'ah, Features
FATWA
DEWAN SYARI’AH NASIONAL
NOMOR 81/DSN-MUI/III/2011
TENTANG
PENGEMBALIAN DANA TABARRU’ BAGI PESERTA ASURANSI YANG BERHENTI SEBELUM MASA PERJANJIAN BERAKHIR
بِسْمِ ٱللَّهِ ٱلرَّحْمَٰنِ ٱلرَّحِيمِ
Dewan Syariah Nasional - Majelis Ulama Indonesia (DSN-MUI), setelah
Menimbang
:...
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Changes in ship values - Influence on hull and machinery and P&I covers
Harga pasar kapal terkait erat dengan harga pertanggungan dan dapat mempengaruhi jaminan dalam asuransi kapal (hull and machinery). Ada juga kemungkinan pengaruhnya pada jaminan P&I. Akhir-akhir ini terjadi fluktuasi besar pada harga kapal. Artikel ini membahas implikasinya pada asuransi H&M dan P&I....
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Dalam praktik, sebagian besar (kalau tidak semuanya) polis asuransi kapal (hull & machinery) didasarkan pada “Valued policy” – yaitu kesepatan antara Penanggung dan Tertanggung mengenai harga objek pertanggungan yang akan diasuransikan baik untuk kerugian sebagian maupun untuk kerugian total. Harga yang disepakati inilah yang dicantumkan dalam Ikhtisar Pertanggungan sebagai “Insured Value” atau “Agreed Value”....
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Dalam Polis Asuransi Kapal (Hull and Machinery) sering ditemui klausul yang berbunyi:
Institute Time Clauses (Hulls) 1.10.83 CL. 280 with Clause 1.2 deleted
atau
It is agreed that the vessel may be employed in operations which entail cargo loading or discharging at sea from or into another vessel. (Clause 1.2 of ITC ...
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- Thursday, December 3, 2015, 18:31
- Features, Insurance News, News
Masih banyak yang bertanya
Apakah perusahaan asuransi boleh menerbitkan polis dalam mata uang asing atau USD?
Apakah klien boleh membayar premi dalam mata uang asing atau USD?
OJK sudah menerbitkan Surat Penjelasan No. S-66 /D.05/2015 tentang Pelaksanaan Kewajiban Penggunaan Mata Uang Rupiah yang memperbolehkan perusahaan asuransi boleh menerbitkan polis dalam mata uang asing dan tentunya klien boleh membayar ...
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- Monday, November 30, 2015, 11:36
- F-Clauses, Features
Upon their arrival at the Contract site, goods are to be inspected by the Insured for possible damage incurred during transit. In the case of packed goods which are to be left in their packing until a later date, the packing is to be visually inspected for signs of possible damage.
If any sign of damage to the ...
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- Tuesday, October 6, 2015, 16:24
- Marine Cargo
Bagi sebagian orang penggunaan kedua wording ini menjadi disputable, manakah yang lebih luas apakah Institute Cargo Clause (A) atau Institute Frozen Food Clause (A) ? atau apakah malah sama saja luas jaminan antara kedua wording polis tersebut mengingat keduanya merupakan sama All risk type cover ?
Bagi sebagian orang, mengcover asuransi marine cargo menggunakan Institute Cargo Clause (A) untuk barang ...
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- Saturday, September 26, 2015, 17:49
- Accident & Health, Personal Accident
QBE Pool PA Extra Cover
Kecelakaan adalah suatu kejadian atau peristiwa yang tidak direncanakan, yang mengandung unsur kekerasan baik yang bersifat fisik maupun kimia yang mengakibatkan luka atau cidera badan termasuk keracunan, terpapar atau tenggelam
QBE Pool PA Extra Cover memberikan perlindungan menyeluruh terhadap kecelakaan dengan memberikan kompensasi keuangan kepada anda, keluarga atau karyawan anda yang mengalami ...
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- Saturday, September 26, 2015, 17:40
- Commercial Package, Property Insurance
QBE Pool Villa Package Insurance
Memberikan perlindungan yang komprehensif untuk villa Anda, termasuk isinya, Tanggung jawab hukum terhadap pengunjung dan masyarakat umum plus biaya pertolongan pertama kejadian gawat darurat.
Jaminan Polis
Semua Risiko, termasuk kebakaran, pencurian, kerusuhan, pemogokan, banjir, badai, tanah longsor, gempa bumi dan kerusakan akibat kecelakaan lainnya
Penggantian perabot lama dengan yang baru (tanpa memandang usia)...
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- Saturday, September 26, 2015, 8:35
- Commercial Package, Property Insurance
QBE Pool Restaurant & Cafe Package Insurance
Memberikan perlindungan yang komprehensif untuk bisnis Anda, termasuk untuk harta benda pribadi, Tanggung jawab hukum terhadap pengunjung dan masyarakat umum plus jaminan kelangsungan bisnis untuk terus membantu anda mengembangkan bisnis jika bisnis terganggu oleh suatu kerusakan atau kerugian.
Jaminan Polis
Semua Risiko, termasuk kebakaran, pencurian, kerusuhan, pemogokan, banjir, badai, tanah longsor, gempa ...
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- Saturday, September 26, 2015, 8:23
- Commercial Package, Property Insurance
QBE Pool Business Package Insurance
Memberikan perlindungan yang komprehensif untuk bisnis Anda, termasuk untuk harta benda pribadi, Tanggung jawab hukum terhadap pengunjung dan masyarakat umum plus jaminan kelangsungan bisnis untuk terus membantu anda mengembangkan bisnis jika bisnis terganggu oleh suatu kerusakan atau kerugian.
Jaminan Polis
Semua Risiko, termasuk kebakaran, pencurian, kerusuhan, pemogokan, banjir, badai, tanah longsor, gempa bumi dan ...
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Berbagai Jaminan “Collision Liability” versi American Institute of Marine Underwriters (AIMU) berikut ini menarik untuk diperhatikan:
COLLISION CLAUSES FULL COVERAGE
COLLISION CLAUSES FOUR FOURTHS INCLUDING TOW
COLLISION CLAUSES INCLUDING TOWER'S LIABILITY...
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PAYMENT ON ACCOUNT CLAUSE
It is hereby declared and agreed that payment on account of any loss recoverable under this policy will be promptly made by the Insurers to the Insured if so desired by the Insured, provided that such payment are deducted from the finally agreed claim settlement figures.
Apa latar belakang perlunya klausul "Payment ...
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- Saturday, September 12, 2015, 17:30
- Property Insurance
Download Suggested Answer 901 – Property Underwriter
Kalau mau ambil 901, bukunya itu dari subject 105 plus polis PAR,PSAKI sama klausula-klausula
Kalau ambil 903, bukunya dari 104 (yang motor saja) plus polis PSAKBI sama klausula-klausula.
Ada 2 bagian kaya ambil A2IK atau A3IK, bedanya dibagian 2 ada 2 sub bagian (2A dan 2B). ...
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- Saturday, September 12, 2015, 17:06
- Risk Management
Download Suggested Answer 103 - Praktek Bisnis
Soal-jawab ujian AAMAI ini dikerjakan oleh rekan-rekan facilitator yang lain. Terima Kasih – Imam Musjab
Ayo Semangat !! Untuk masa depan yang lebih baik !!
Bagi rekan-rekan yang memiliki “suggested answer” silakan upload disini or drop me email
imam.musjab@qbe.co.id or
imusjab@gmail.com or +628128079130...
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- Wednesday, September 2, 2015, 9:47
- C-Clauses, Marine Hull and P&I
1. Notice of Loss/Damage
Notwithstanding the terms and condition of the policy, it is noted and agreed that in the event of any loss or damage which may give rise to a claim under the policy, the Notice of Loss or Damage shall be made available to the underwriter within 14 (fourteen) days since the date of loss ...
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- Friday, August 28, 2015, 7:05
- Features, K-Clauses
Polis ini menjamin risiko Kematian yang secara langsung disebabkan oleh suatu kecelakaan yaitu suatu kejadian atau peristiwa yang mengandung unsur kekerasan baik yang bersifat fisik maupun kimia, yang datangnya secara tiba-tiba, tidak dikehendaki atau direncanakan, dari luar, terlihat, langsung terhadap Tertanggung dan/atau Pasangan Sahnya yang seketika itu mengakibatkan luka badani yang sifat dan tempatnya dapat ditentukan oleh Ilmu Kedokteran, termasuk:...
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- Friday, August 28, 2015, 6:58
- Features, T-Clauses
It is hereby agreed that this Policy is extended to indemnify the Insured for a reasonable temporary accommodation cost incurred by the Insured, in case the Building located in the Situation is temporarily inhabitable as a result of loss or damaged covered under this Policy.
Amount payable under this clause shall not exceed in the aggregate Rp 25,000,000...
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This policy does not cover all transmission and distribution, including wire, cables, poles, pylons, standard towers and any equipment of any type of which may be attendant to such installation of any description. This exclusion includes but not limited to transmission or distribution of electrical power, telephone or telegraph signal and all communication signals whether audio or visual....
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- Friday, August 28, 2015, 6:52
- Features, P-Clauses
Sesuai dengan peraturan yang berlaku kewajiban Penanggung terhadap Tertanggung adalah sebagai berikut:
a) Penanggung wajib menginformasikan kepada Tertanggung setiap perubahan manfaat, biaya, risiko, syarat dan ketentuan yang tercantum dalam Polis ini
b) Informasi sebagaimana dimaksud pada ayat (a) wajib diberitahukan kepada Tertanggung paling lambat 30 (tiga puluh) hari kerja sebelum berlakunya perubahan manfaat, biaya, risiko, syarat dan ketentuan atas Polis ini
c) Dalam hal Tertanggung tidak menyetujui perubahan ...
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- Friday, August 28, 2015, 6:49
- Features, W-Clauses
Other than those stipulated in other article within this Policy, the Insurer and the Insured are respectively entitled to terminate this Insurance at any time by giving the reason. Such termination shall waive article 1266 and 1267 of the Indonesian Civil Code.
Notification of termination shall be made in writing by the party who wants the termination to ...
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- Friday, August 28, 2015, 6:47
- C-Clauses, Features
Notwithstanding anything contained to the contrary herein this policy does not cover loss, damage, destruction, distortion, erasure, corruption or alteration of electronic data from any cause whatsoever (including but not limited to computer virus) or loss of use, reduction in functionality, cost, expense of whatsoever nature resulting therefrom regardless of any other cause or event contributing concurrently or in any other ...
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- Friday, August 28, 2015, 6:46
- Features, S-Clauses
The (re)insurer shall not provide cover nor be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the insurer or any member of the insurer’s group to any sanction, prohibition or restriction under United Nations resolutions, Australian autonomous sanctions, or ...
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- Friday, August 28, 2015, 6:44
- Features, T-Clauses
Notwithstanding any provision to the contrary within this insurance or any endorsement thereto it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss....
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- Wednesday, August 26, 2015, 23:52
- B-Clauses, Features, P-Clauses
Polis ini juga memberikan santunan biaya pemakaman Tertanggung akibat dari Kecelakaan yang dijamin dalam Polis ini sebesar 5% dari Harga Pertanggungan atau maksimum IDR5,000,000 jumlah mana yang lebih kecil
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- Wednesday, August 26, 2015, 23:51
- A-Clauses, B-Clauses, Features
Polis ini juga memberikan penggantian biaya ambulance untuk transportasi Tertanggung ke atau dari rumah sakit akibat dari Kecelakaan yang dijamin dalam Polis ini sebesar 5% dari Harga Pertanggungan atau maksimum IDR5,000,000 jumlah mana yang lebih kecil
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- Wednesday, August 26, 2015, 23:49
- B-Clauses, Features, S-Clauses
Polis ini juga memberikan penggantian biaya pengurusan Sertifikat Kematian Tertanggung akibat dari Kecelakaan yang dijamin dalam Polis ini maksimum sebesar IDR1,000,000
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- Wednesday, August 26, 2015, 23:48
- Features, K-Clauses
Polis ini juga menjamin risiko kematian, atau cacat tetap atau biaya perawatan atau pengobatan sebagai akibat dari kegiatan olah raga (non professional) dan kegiatan extra kurikuler yang diadakan oleh sekolah, namun tidak termasuk olah raga atau kegiatan bertinju, bergulat dan semua jenis olah raga beladiri, rugby, hockey, olah raga diatas es atau salju, mendaki gunung atau gunung es dan semua ...
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- Wednesday, August 26, 2015, 23:47
- Features, H-Clauses
Santunan kematian akibat kecelakaan diberikan dalam hal Tertanggung hilang dan tidak diketemukan dalam waktu sekurang-kurangnya 60 hari sejak terjadinya kecelakaan sebagai akibat langsung dari suatu kecelakaan yang dijamin dalam polis
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- Wednesday, August 26, 2015, 23:46
- Features, M-Clauses
Polis ini juga menjamin risiko kematian, atau cacat tetap atau biaya perawatan atau pengobatan sebagai akibat dari kecelakaan saat mengendarai sepeda motor.
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- Wednesday, August 26, 2015, 23:45
- Features, P-Clauses
Polis ini juga menjamin risiko kematian, atau cacat tetap atau biaya perawatan atau pengobatan sebagai akibat dari tindakan-tindakan kekerasan termasuk pembunuhan, penganiayaan, pemerkosaan, penculikan dengan tidak memandang apakah tindakan-tindakan itu ditujukan terhadap Tertanggung atau orang-orang lain.
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- Wednesday, August 26, 2015, 23:44
- Features, K-Clauses
Polis ini juga menjamin risiko kematian, atau cacat tetap atau biaya perawatan atau pengobatan sebagai akibat dari Kerusuhan, Pemogokan, Penghalangan Bekerja, Perbuatan Jahat, Huru-hara, Dengan ketentuan bahwa Tertanggung tidak secara sukarela terlibat didalam aksi-aksi tersebut.
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- Wednesday, August 26, 2015, 23:43
- Features, P-Clauses, S-Clauses
Jaminan Biaya Perawatan atau Pengobatan ini dibayarkan kepada Tertanggung berdasarkan kuitansi asli yang dikeluarkan oleh dokter yang melakukan perawatan atau pengobatan tersebut. Jumlah penggantian selama jangka waktu pertanggungan setinggi-tingginya sebesar Nilai Pertanggungan Jaminan C (Biaya Perawatan atau Pengobatan)
Jaminan Biaya Perawatan atau Pengobatan ini juga berlaku bagi kuitansi yang dikeluarkan oleh pengobatan alternatif (sinshe) yang berizin sebesar 5% ...
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- Thursday, August 13, 2015, 8:11
- A-Clauses, Features, W-Clauses
Notwithstanding anything contained herein, This policy is extended to cover loss of or damage to fine arts and collectible objects of every description including but not limited to paintings, drawings, prints, rare books and manuscripts, rugs, tapestries, antique furniture, sculpture, ceramics, but excluding jewelry, jade, gemstones, precious stones, precious metals, bullion, furs, watches, gold or silver objects
These ...
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- Tuesday, August 4, 2015, 7:56
- F-Clauses, Features
Coverage provided by this policy does not apply to any liability arising out of or contributed to by any complete or partial failure to supply water.
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- Tuesday, August 4, 2015, 7:55
- F-Clauses, Features
Coverage provided by this policy does not apply to any liability arising out of or contributed to by any complete or partial failure to supply electricity/gas.
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- Tuesday, August 4, 2015, 7:48
- B-Clauses, Features, M-Clauses
It is hereby declared and agreed that in consideration of the agreement to issue this Policy for a period longer than twelve (12) months subject to premium payable in accordance to the premium payment condition, the Insurers reserve the rights to review and amend the terms and conditions at each twelve (12) months anniversary date.
The Insurers and ...
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- Sunday, August 2, 2015, 13:28
- Features, S-Clauses
Dengan ini dicatat dan disetujui bahwa dengan adanya tambahan premi, polis ini akan memberikan santunan ganda dalam hal kematian atau cacat tetap yang diderita yang terjadi ketika :
sebagai penumpang yang sah dari angkutan umum
berada didalam bangunan yang sedang terbakar
tersambar petir
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- Sunday, August 2, 2015, 13:17
- Features, P-Clauses
Dengan ini dicatat dan disetujui bahwa dengan adanya tambahan premi, polis ini juga menjamin risiko kematian atau cacat tetap yang diderita sebagai akibat dari penganiayaan, penyiksaaan dan pembunuhan yang dilakukan oleh pihak lain.
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- Wednesday, July 15, 2015, 10:35
- Product Liability
Asuransi Recall Produk (Penarikan Produk) menjamin biaya-biaya bisnis yang terkait dengan penarikan produk dari pasar sebagai akibat dari pemicu atau risiko tertentu yang didefinisikan dalam polis. Recall Produk dapat dilakukan baik karena “paksaan” yang diperintahkan oleh badan pengawas yang berwenang atau pemerintah atau karena “sukarela” dilakukan atau diprakarsai oleh perusahaan itu sendiri karena ditemukan adanya ...
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- Tuesday, July 7, 2015, 20:41
- Property Insurance
Surat Edaran Otoritas Jasa Keuangan Nomor 21/SEOJK.05/2015 (Baca: Tarif Baru) tentang Penetapan Tarif Premi atau Kontribusi pada Lini Usaha Asuransi Harta Benda dan Asuransi Kendaraan Bermotor 2015 mulai berlaku pada tanggal ditetapkan 30 Juni 2015 (walaupun pemberitahuan melalui surat ke perusahaan asuransi baru kami terima pada tanggal 6 Juli 2015) sehingga Surat Edaran Nomor SE-06/D.05/2013 (Baca: Tarif ...
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Walaupun sudah ada edisi yang lebih baru “ITC - Hulls 1/11/95” namun sebagian besar praktisi asuransi, agen dan broker masih lebih suka menggunakan “ITC - Hulls 1/10/83” Mengapa demikian? Apa sebenarnya perbedaan prinsipil antara “ITC - Hulls 1/10/83” and “ITC - Hulls 1/11/95”?
Buku panduan berikut akan sangat membantu. Silakan di baca:...
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- Friday, June 19, 2015, 11:01
- Features, M-Clauses
The premium shown on the Policy Schedule is the minimum and deposit premium for this policy for the full policy term. On the expiry of each period of insurance the premium shall be calculated at the rate quoted on the total sum insured or the total of the values declared or deemed to have been declared. If the final premium is ...
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- Thursday, June 18, 2015, 11:39
- Marine Cargo
Harus diakui, kesadaran masyarakat Indonesia tentang asuransi memang masih rendah & ini yang menjadi kendala mengapa pertumbuhan bisnis asuransi di Indonesia secara umum tidak cukup menggembirakan. Mengutip keterangan lembaga pemeringkat, Fitch Ratings, dalam sebuah laporan bahwa outlook peringkat untuk sektor asuransi jiwa dan asuransi umum di Indonesia pada tahun 2015 adalah stabil, dengan peningkatan penetrasi secara bertahap selama beberapa tahun terakhir. ...
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Saya menerima banyak pertanyaan yang dimuat di artikel
“Apa Perbedaan Asuransi Kapal Jaminan ITCH Clause 280, Clause 284 dan Clause 289 ?”
Apakah kerusakan kapal yang sedang docking dijamin dalam ITCH (Hull & Machinery)?
Bukankah kapal yang sedang docking pasti tidak dalam keadaan “seaworthy” sedangkan polis H&M men-syarat-kan kapal ...
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- Saturday, June 13, 2015, 21:46
- Principles & Practice of Ins
Walaupun sangat mudah untuk dijawab, namun saya mendapat banyak sekali pertanyaan Bagaimana cara berhenti? Bagaimana cara membatalkan polis asuransi? Apakah kena denda atau pinalti?
Terutama pertanyaan dari mereka yang merasa “terpaksa” atau merasa “tertipu” telah membeli asuransi yang ditawarkan oleh sales atau telemarketing melalui telepon atau direct marketing yang menjual produk asuransi di bank atau di mal....
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Bagaimana pendapat Pak Imam terhadap kerusakan pada cargo yang disebabkan oleh kondensasi? Apakah dijamin atau tidak di bawah jaminan ICC A? Dari beberapa orang yang saya temui, pendapat selalu berbeda-beda, ada yang mengatakan dijamin dan ada yang mengatakan tidak dijamin. Ditanyakan oleh Matius wrote on 8 October, 2014, 15:53 di artikel
“Asuransi Pengangkutan Barang”....
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Sore Pak Imam, Mohon pencerahan, Apakah polis ICC cover “rats and vermin” . Di MIA 1906 jelas diexclude, namun di ICC A tidak ada di exclusion. Apakah ini berarti rats dicover di polis allrisk ICC A, dan vermin apabila datang dari luar. Dan tidak dicover untuk vermin yang sudah ada didalam cargo tsb (misal : vermin sudah bertelur di dalam kopra) ...
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- Friday, June 5, 2015, 21:21
- Marine Cargo
Rejection Insurance :
It cover for rejection by government authorities due to product failing to meet standard set for importation. Cover requested for foodstuffs, particularly meat and seafood.
Essential Information :
The following is essential information to be obtained:
Details of product(s). For meat this means the ...
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- Thursday, June 4, 2015, 22:08
- Features, L-Clauses
CLAUSE 4.15
LIGHTNING EXTENDED COVER
It is hereby noted and agreed that subject to the Insured having paid the agreed additional premium, this insurance shall cover loss of or damage to electrical machinery, electrical or electronic equipment and electrical installation insured under this Policy directly caused by lightning.
The Insured shall bear ...
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- Thursday, June 4, 2015, 22:06
- Features, S-Clauses
CLAUSE 4.14
SMOKE EXTENDED COVER
It is hereby noted and agreed that subject to the Insured having paid the agreed additional premium, this insurance shall cover loss of or damage to the property insured under this Policy caused by smoke arising from a fire provided that the cause of the fire which produces the smoke ...
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- Thursday, June 4, 2015, 22:03
- Features, S-Clauses
CLAUSE 4.13
SELF COMBUSTION EXTENDED COVER
Subject to the provisions provided hereunder, it is hereby noted and agreed that subject to the Insured having paid the agreed additional premium, this insurance shall cover loss of or damage to the property insured under this Policy caused by self combustion or self heating to such property....
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- Thursday, June 4, 2015, 22:01
- E-Clauses, Features
CLAUSE 4.12
SHORT CIRCUIT EXTENDED COVER
It is hereby noted and agreed that subject to the Insured having paid the agreed additional premium, this insurance shall cover physical damage to any one unit of electrical or electronic equipment, except electrical or electronic equipment used for household purposes, stated in the Schedule, caused by short ...
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- Thursday, June 4, 2015, 21:57
- Features, I-Clauses
It is noted and agreed that the cover relating to impact of vehicles shall include vehicles owned or used by the Insured.
KLAUSUL AKIBAT TERTABRAK KENDARAAN SENDIRI
Dengan ini dicatat dan disetujui, bahwa jaminan akibat tertabrak kendaraan-kendaraan termasuk tertabrak kendaraan yang dimiliki atau yang digunakan oleh Tertanggung sendiri.
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- Thursday, June 4, 2015, 21:56
- Features, S-Clauses
Warranted that during the currency of this Policy the said factory be silent and that the machinery be not worked, except for the purpose of keeping it in good order no material being passed through it and that no repairs whatever to machinery be carried on and that no material or goods except spare machinery and/or accessories be stored in the ...
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- Thursday, June 4, 2015, 21:54
- Features, W-Clauses
Workmen are allowed in and about any of the described premises for the purpose or making new erections or alteration, repair, decoration, plant installation, general maintenance and the like without prejudice to the terms and conditions of the Policy.
KLAUSUL PEKERJA
Para pekerja diperkenankan berada di dalam dan di ...
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- Thursday, June 4, 2015, 21:53
- Features, V-Clauses
In the event of the Insured’s Property being left loaded in vehicles or freight containers overnight while in, on or about the premises hereby insured the Insurer will indemnify the Insured for the loss of or damage to such Property caused by fire or any other peril insured hereby, providing always that the Insurer’s Liability shall not exceed the sum insured ...
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- Thursday, June 4, 2015, 21:51
- Features, T-Clauses
The insurance by this Policy extends to include tenants improvements and alteration to Landlord’s property insofar as the Insured is responsible therefore.
KLAUSUL PERBAIKAN OLEH PENYEWA
Pertanggungan dibawah Polis ini diperluas termasuk perbaikan dan perubahan-perubahan yang dilakukan Tertanggung sebagai Penyewa atas harta benda milik Pemilik Tanah, sepanjang Tertanggung bertanggung jawab untuk hal tersebut....
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- Thursday, June 4, 2015, 8:46
- Features, S-Clauses
Warranted that during the currency of this Policy no part of the premises described herein be used for manufacture or deposit or storage of merchandise.
KLAUSUL KEWAJIBAN TERTANGGUNG (WARRANTY) TENTANG PENYIMPANAN BARANG
Dijamin oleh Tertanggung, bahwa selama masa berlakunya Polis tidak akan ada bagian lokasi yang disebutkan dalam Polis ...
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- Thursday, June 4, 2015, 8:42
- Features, S-Clauses
The insurance by this Policy relating to machinery and equipment extends to include telephone, gas, water and electric instruments, meters, piping, cabling and the like and accessories thereof including similar property in adjoining yards or roadways or underground all the property of the Insured or of suppliers or others for which the Insured are responsible provided their values are included in ...
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- Thursday, June 4, 2015, 8:41
- Features, S-Clauses
It is noted and agreed that in respect of goods sold but not yet delivered for which the Insured is responsible and with regard to which under the written or printed conditions of sale the Sale Contract is cancelled by reason of the loss or damage indemnified by this Policy either wholly or to the extent of the loss or damage, ...
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- Thursday, June 4, 2015, 8:40
- Features, O-Clauses
The insurance by each item under buildings is understood to include walls, gates and fence, small outside buildings, extensions, annexes, exterior staircase, fuel installations, steel or iron framework and tanks in the said premises and the insurance by each item under contents extends to contents of each outbuilding, provided their values are included in the sum insured....
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- Thursday, June 4, 2015, 8:38
- Features, L-Clauses
In case of damage to property bearing brands labels and trademarks the sale of which carries in any way a guarantee of the Insured, the salvage value of such damaged property shall be determined after the removal in the customary manner of all brands labels and trade marks which might be taken to indicate that the guarantee of the Manufacturer or ...
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- Thursday, June 4, 2015, 8:37
- Features, I-Clauses
It is understood and agreed that in the event of removal of property from one building to another at any of the situations covered by this Policy being inadvertently not advised to the Insurer, the insurance on such property shall follow removal, the necessary adjustments in Sum Insured and premium being made as from the date of removal as soon as ...
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- Thursday, June 4, 2015, 8:35
- Features, G-Clauses
Certain of the Property insured may be the subject of hire purchase lease or other agreements and the interest of the other parties to these arrangements is noted in this insurance, the nature and extent of such interest to be disclosed by the Insured in the event of damage.
KLAUSUL KEPENTINGAN BERSAMA
Sebagian ...
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- Thursday, June 4, 2015, 8:33
- F-Clauses, Features
It is hereby understood and agreed that the reasonable charges raised by any local authority for the provision of Fire Fighting Appliances called for the purpose of protecting the premises shall be recoverable hereunder.
KLAUSUL BIAYA PEMADAMAN KEBAKARAN
Dengan ini diketahui dan disetujui, bahwa biaya-biaya yang wajar dan layak, yang timbul ...
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- Thursday, June 4, 2015, 8:32
- E-Clauses, Features
The indemnity granted by this Policy extends to include clothing and/or personal effects of the employees of the Insured for an amount not exceeding Rp 500,000 in respect of any one employee and for an amount not exceeding in the aggregate Rp 10,000,000.
KLAUSUL BARANG-BARANG MILIK PRIBADI PEGAWAI
Ganti rugi yang dijamin oleh ...
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- Thursday, June 4, 2015, 8:30
- D-Clauses, Features
For the purpose of determining, where necessary, the definition of any property insured hereby the Insurer agrees to accept the designation under which such property has been entered in the Insured’s books.
KLAUSUL PENAMAAN HARTA BENDA YANG DIPERTANGGUNGKAN
Untuk menentukan, dimana perlu, definisi harta benda yang dipertanggungkan di sini, Penanggung setuju untuk menerima, ...
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- Thursday, June 4, 2015, 8:28
- C-Clauses, Features
The insurance by this Policy extends to cover the cost of re-erecting, fitting and fixing machinery or plant destroyed or damaged by fire or by any other peril hereby insured against providing always that the liability of the Insurer shall not exceed the sum insured of such machinery or plant under this Policy.
KLAUSUL BIAYA PEMASANGAN ...
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- Thursday, June 4, 2015, 8:26
- C-Clauses, Features
This insurance includes cover for computer system records but only for the value of the materials together with the cost of clerical labour and computer time expended in reproducing such records (excluding any expenses in connection with the production of information to be recorded therein) and not for the value to the Insured of the information contained therein for an amount ...
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- Thursday, June 4, 2015, 5:50
- C-Clauses, Features
The insurance is extended to cover direct loss or damage to the described property caused by acts of destruction executed by order of any Public Authority at the time of and only during a conflagration to retard the spread thereof, and subject to all other terms and conditions of this Policy. This Insurer shall not be liable, however, for more than ...
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- Thursday, June 4, 2015, 5:49
- B-Clauses, Features
If branded or labelled merchandise covered by this Policy is damaged, and the Insurer elects to take all or any of such merchandise at the agreed or appraised value, the Insured may, at his own expense, stamp “salvage” on the merchandise or its containers or may remove the brands or labels, if such stamp or removal of brand or label will ...
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- Thursday, June 4, 2015, 5:47
- A-Clauses, Features
Awnings, blinds, signs or other outdoor fixtures or fittings of any description are covered by this Policy provided that the Insurer’s liability under this extension shall be on first loss basis, not in the aggregate to exceed Rp 50,000,000
KLAUSUL PERLENGKAPAN DI LUAR BANGUNAN
Tambahan atap luar, kerei, papan nama atau perlengkapan lainnya ...
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- Thursday, June 4, 2015, 5:44
- Features, M-Clauses
Minor alterations, additions and repairs to building, plant fixtures and fittings, and machinery (exclusive of any Sprinkler Installations) and minor works in progress are allowed and the insurance by this Policy shall not be prejudiced by this.
The value of such alterations, additions and repairs shall not exceed 2.5% of Total Sum Insured....
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- Thursday, June 4, 2015, 5:42
- A-Clauses, Features
Notwithstanding anything contained in the printed conditions of the Policy to the contrary, it is noted and agreed that this Insurance shall not be prejudiced in the event of any alterations being made to the property insured whereby the risk of damage is increased, provided that notice of such alterations be given to the Insurer within 60 (sixty) days of the ...
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- Wednesday, June 3, 2015, 5:54
- Features, S-Clauses
In consideration of the premium by this Policy being provisional in that it is calculated on 75% of the sum insured hereby and is subject to adjustment on expiry of each period of insurance:
a) The insured agrees to declare to the Insurer in writing the value of his stocks (other than retail), less any amount insured by ...
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- Tuesday, June 2, 2015, 21:23
- Features, L-Clauses
It is noted and agreed that ………….. (here in after referred to as the Lessors) are the owners of the Property insured under (Item …….) and that such Property is the subject of a Leasing Agreement made between the lessors on the one part and the insured on the other part. It is further understood and agreed that any payment made ...
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- Tuesday, June 2, 2015, 21:21
- Features, L-Clauses
This Policy extends to indemnify any other party having an interest in the property insured by virtue of and in accordance with the terms of mortgage, Leasing, Hiring or Renting Agreement, provided such property is not more specifically insured.
KLAUSUL HARTA BENDA SEWA BELI
Polis ini diperluas untuk memberikan ganti rugi ...
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- Tuesday, June 2, 2015, 21:19
- C-Clauses, Features
The insurance hereby extends to cover alterations, additions and improvements (but not appreciation in value) in excess of the sums insured for buildings and machinery specified in the Policy for an amount not exceeding 10% of the sums insured thereby or Rp ….*……….,.. whichever is the less, it is being understood that the Insured undertakes to advise the Insurer each quarter ...
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- Tuesday, June 2, 2015, 9:34
- B-Clauses, Features
It is noted and agreed that the property insured by this Policy has been mortgaged with bank ……………. and that in consequence there of, it has been agreed with the said mortgagee and the Insured, that in case of loss, if any, payable under this Policy any payment up to the amount to which the said mortgagee is entitled for principal, ...
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- Tuesday, June 2, 2015, 9:28
- A-Clauses, Features
It is noted and agreed that this Policy extends to include :
Money and stamps not otherwise specifically insured for an amount not exceeding in the aggregate Rp 10,000,000.
Documents, manuscripts and business books but only for the value of the materials as stationery, together with the cost of clerical labour expended in writing up, and not ...
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- Tuesday, June 2, 2015, 9:23
- A-Clauses, Features
It is hereby noted and agreed as follows
(a) The insurance of each item on Buildings or Contents includes an amount in respect of Architects’ Surveyors’ Legal, and Consulting Engineers’ Fees not exceeding those provided under the scales of the various institutions and/or bodies regulating such fees prevailing at the time of the destruction or damage and not ...
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- Tuesday, June 2, 2015, 9:19
- Features, T-Clauses
It is hereby agreed that the property insured by this Policy (other than any stock in trade or merchandise) is covered in respect of the perils hereby insured against, whilst temporarily removed for cleaning, renovation, repair or other similar purposes elsewhere on the same premises or any other premises in the Republic of Indonesia and in transit thereto and therefrom by ...
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- Tuesday, June 2, 2015, 9:13
- Features, S-Clauses
It is hereby agreed and declared that the insurance under the Policy shall extend to cover loss or damage to the property insured caused by water accidentally discharged or leaking from the Automatic Sprinkler Installation subject to First Loss sum insured (subject to a maximum of 10% of the total sum insured) and subject to a deductible of Rp. 2,500,000 any ...
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- Tuesday, June 2, 2015, 8:44
- Features, R-Clauses
It is hereby declared and agreed that in the event of the property insured being destroyed or damaged the basis upon which the amount payable under ……………… of the Policy is to be calculated shall be the cost of replacing or reinstating on the same site property of the same kind or type but not superior to or more extensive than ...
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- Tuesday, June 2, 2015, 8:34
- Features, P-Clauses
The insurance by this Policy extends to include such additional cost of reinstatement of the destroyed or damaged property thereby insured as may be incurred solely by reason of the necessity to comply with Building or other Regulations under or framed in pursuance of any Government Act or Bye-Law of any Municipal or Local Authority provided that :...
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- Saturday, May 30, 2015, 7:14
- D-Clauses, Features
Deterioration of Undamaged Stocks
The Policy extends to include loss sustained by the Insured as the result of deterioration of undamaged stock which cannot be processed promptly due to interruption of or interference with the Business in consequence of damage to Property Insured.
Kerusakan persedian bahan baku yang tidak dapat diproses ...
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- Tuesday, May 26, 2015, 13:39
- C-Clauses, Features
It is hereby understood and agreed that Insurers shall not be liable under this Policy to provide indemnity for any Claim directly or indirectly arising out of, in consequence of, or contributed to by the cancellation, delay or abandonment of any event, meeting, conference or any other function.
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- Tuesday, May 26, 2015, 13:34
- A-Clauses
This type of insurance clause typically comes into play with marine insurance, such as boats or watercraft. If a ship is sunk or lost at sea, the abandonment clause affords the owner the right to essentially "give up" on finding or recovering his or her property and subsequently collect a full insurance settlement from the insurer.
If salvaging ...
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- Saturday, May 23, 2015, 19:46
- Marine Cargo
Beberapa klien ada yang sangat teliti dan membaca klausul demi klausul polis, semakin dibaca mungkin dia semakin bingung dan menanyakan beberapa hal tentang jaminan polis asuransi marine cargo, antara lain sbb:
Pada Jaminan 1 / ICC A, Jaminan 2 / ICC B, Jaminan 3 / ICC C :
Pertanyaan:
Klausul no. ...
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- Sunday, May 10, 2015, 6:21
- Features, U-Clauses
The Insurance extends to cover any increase in Gross Profit for an amount not exceeding 25% of the Sum Insured thereon provided that the Insured undertake to advise the Insurers at the end of the policy period of such increase and to pay the additional premium thereon.
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