Polis Standar Asuransi Komprehensif Harta Benda Indonesia
- Friday, May 2, 2014, 14:34
- Property All Risks (PAR)
- 362 comments
Terima kasih dan apresiasi yang tinggi kami sampaikan kepada Team Property AAUI yang telah berhasil menyusun Draft Polis Standar Asuransi Komprehensif Harta Benda Indonesia (PSAKHI).
PSAKHBI merupakan wordings IAR Munich Re yang dimodifikasi ditambah dengan beberapa syarat dan kondisi yang terdapat pada PSAKI untuk melengkapi kebutuhan di market dengan strukrtur polis yang disesuaikan untuk memenuhi persyaratan Compliance dengan peraturan perundangan yang berlaku (KMK 422 / 2003).
Terlepas dari beberapa kesalahan pen-terjemah-an dari wordings aslinya ke bahasa Indonesia, PSAKHBI nampak menghindari penggunaan kata “All Risks” dan memilih penggunaan frasa “Komprehensif”.
Tidak tampak sesuatu yang istimewa dari PSAKHI ini dibandingkan dengan IAR kecuali atas frasa Pengecualian Khusus untuk Bagian I di bawah ini:
IAR Munich Re:
2.4. joint leakage, failure of welds, cracking, fracturing, collapse or overheating of boilers, economisers, superheaters, pressure vessels or any range of steam and feed piping in connection therewith, mechanical or electrical breakdown or derangement in respect of the particular machine apparatus or equipment in which such breakdown or derangement originates
Terjemahannya:
2.4. kebocoran sambungan, kegagalan pengelasan, retak, patah, runtuh atau panas berlebihan pada ketel uap, economiser, superheater, bejana bertekanan atau macam-macam jaringan pipa uap dan jaringan pipa pengisi yang berkaitan dengannya, kegagalan atau kekacauan mekanik atau elektrik sehubungan dengan peralatan atau perlengkapan mesin tertentu di mana kegagalan atau kekacauan tersebut berasal
PSAKHI menjadi sbb:
2.6. kebocoran sambungan, kegagalan pengelas-an, retak, patah, runtuh atau panas berlebihan pada ketel uap, economiser, superheater, bejana bertekanan atau segala macam jaringan pipa uap dan jaringan pipa pengisi yang berkaitan dengannya, kecuali jika diikuti kerugian atau kerusakan karena kebakaran atau ledakan atas peralatan tersebut dan Penanggung ber tanggung jawab hanya terhadap kerugian atau kerusakan yang mengikuti tersebut
2.7. kegagalan atau kekacauan mekanik atau elektrik atas mesin, peralatan atau perlengkapan kecuali jika diikuti kerugian atau kerusakan oleh suatu penyebab yang tidak dikecualikan dalam Polis ini dan kemudian Penanggung bertanggung jawab hanya terhadap kerugian atau kerusakan yang mengikuti tersebut
Terjemahannya
2.6. joint leakage, failure of welds, cracking, fracturing, collapse or overheating of boilers, economisers, superheaters, pressure vessels or any range of steam and feed piping in connection therewith unless loss or damage by fire or explosion ensues therefrom and then the Insurer shall be liable only for such ensuing loss or damage
2.7. mechanical or electrical breakdown or derangement of machinery or equipment unless loss or damage by a cause not excluded in the Policy ensues and then the Insurer shall be liable only for such ensuing loss or damage
Apa bedanya ? PSAKHI mencoba memper-tegas bahwa “kerusakan lanjutan yang diakibatkan karena kebakaran atau ledakan boiler dijamin dalam PSAKHI, namun tentu saja terbatas hanya terhadap kerugian atau kerusakan yang mengikuti tersebut.”.
Pertanyaan dan saran lainnya dapat disampaikan kepada Team Property AAUI di email teknik@aaui.or.id
Good Luck ..!
By Imam MUSJAB
Download : Polis Standar Asuransi Komprehensif Harta Benda Indonesia (PSAKHI)
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Dear Pak Imam,
Klausula Error and omisions clause di tujukkan untuk apa ya pak? apakah untuk kelalaian tertanggung atau yang bekerja pada tertanggung. Thx & rgds
ERRORS AND OMISSION CLAUSE
The insured shall not be prejudiced by an unintentional and/or inadvertent omission error incorrect valuation or incorrect description of the interest risk or property provided notice is given to the company as soon as practicable upon discovery of such error or omission.
tujuannya sih untuk “memaafkan atas kesalahan tertanggung” jika ada kesalahan deskripsi objek pertanggungan misalnya item A seharusnya masuk “Contents” bukan “Stocks” dsb
Dear Pak Imam,
Apakah dalam polis PAR/IAR mengcover kelalaian atau kesalahan yang tidak di sengaja dari tertanggung atau orang yang bekerja pada tertanggung. thx & Rgds
Tentu saja Pak, di Jamin
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