Archive for June, 2015

Apa perbedaan ITC – Hulls 1/10/83 and ITC – Hulls 1/11/95?

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:... Full story

MINIMUM AND DEPOSIT PREMIUM (M&DP)

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 ... Full story

Mengapa Pengusaha Membutuhkan Perlindungan Asuransi Pengangkutan?

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. ... Full story

Apakah kerusakan kapal yang sedang docking dijamin dalam ITCH (Hull & Machinery)?

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 ... Full story

Bagaimana cara membatalkan polis asuransi? Apakah kena denda atau pinalti?

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.... Full story

Apakah Polis Asuransi Marine Cargo (ICC-A) menjamin kerusakan atau kerugian akibat “kondensasi”?

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”.... Full story

Apakah Polis Asuransi Marine Cargo (ICC) menjamin kerusakan atau kerugian akibat “rats and vermin”?

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) ... Full story

Rejection Insurance – How to underwrite?

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 ... Full story

LIGHTNING EXTENDED CLAUSE

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 ... Full story

SMOKE EXTENDED CLAUSE

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 ... Full story

SELF COMBUSTION CLAUSE

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.... Full story

ELECTRICAL SHORT CIRCUIT CLAUSE

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 ... Full story

IMPACT BY OWN VEHICLES CLAUSE

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. Full story

SILENT RISK CLAUSE

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 ... Full story

WORKMENS CLAUSE

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 ... Full story

VEHICLE LOAD CLAUSE

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 ... Full story

TENANTS IMPROVEMENTS CLAUSE

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.... Full story

STORAGE WARRANTY

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 ... Full story

SERVICES CLAUSE

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 ... Full story

SELLING PRICE CLAUSE

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, ... Full story

OUTBUILDINGS CLAUSE

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.... Full story

LOSS OF DAMAGED GOODS CLAUSE

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 ... Full story

INTERNAL REMOVAL CLAUSE

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 ... Full story

GENERAL INTEREST CLAUSE

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 ... Full story

FIRE BRIGADES CHARGES

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 ... Full story

EMPLOYEES PERSONAL EFFECTS CLAUSE

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 ... Full story

DESIGNATION CLAUSE

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, ... Full story

COST OF RE-ERECTION CLAUSE

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 ... Full story

COMPUTER RECORDS CLAUSE

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 ... Full story

CIVIL AUTHORITIES CLAUSE

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 ... Full story

BRAND AND LABEL CLAUSE

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 ... Full story

AWNINGS BLINDS SIGNS OR OTHER FITTINGS OF EVERY DESCRIPTION CLAUSE

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 ... Full story

MINOR ALTERATIONS AND REPAIRS CLAUSE

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.... Full story

ALTERATIONS CLAUSE

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 ... Full story

STOCK DECLARATION CLAUSE

  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 ... Full story

LESSORS INTEREST CLAUSE

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 ... Full story

LEASED PROPERTY CLAUSE

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 ... Full story

CAPITAL ADDITIONS CLAUSE

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 ... Full story

BANKERS CLAUSE

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, ... Full story

ALL OTHER CONTENTS

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 ... Full story

ARCHITECTS, SURVEYORS AND ENGINEERS EXPENSES

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 ... Full story

TEMPORARY REMOVAL CLAUSE

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 ... Full story

SPRINKLER LEAKAGE CLAUSE

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 ... Full story

REINSTATEMENT VALUE CLAUSE

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 ... Full story

PUBLIC AUTHORITIES CLAUSE

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 :... Full story
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