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

• Wednesday, February 11, 2009, 15:01
• Fire Insurance, P R O P E R T Y, Property All Risks (PAR), Property Insurance
• 597 comments

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IMAM MUSJAB has written 1877 stories on this site.

597 Comments on “Very Important Clauses : Klausul-Klausul Penting dalam Asuransi Kebakaran (Fire & Property Insurances)”

• 
  purnomo - sonwelis cabang surabaya wrote on 5 January, 2010, 11:51

  kepada bapak Imam Musjjab , kami mohon bantuannya untuk diberi tahu klausula brand and label clause,atas bantuannya kami ucapkan banyak terima kasih
• 
  asuransi wrote on 28 February, 2010, 2:08

  Jalan2 nih bro, mantap artikelnya semakin menambah pengetahuan dalam bidang perasuransian. Selamat dan Sukses selalu ya bro.
  Salam, AB

  IMAM MUSJAB: Terima kasih bro
• 
  Edy Suharyono wrote on 23 March, 2010, 12:24

  Untuk penjelasan klausul nomor 5 (Architects, Surveyors, Engineers Expenses Clause) kok sama dengan penjelasan klausul nomor 4 (All Other Contents Clause) vide download.
  Apa memang demikian atau keliru file yang harus di download.
  Trims

  IMAM MUSJAB: di attach jadi satu file pak
• 
  Sabarkah Maulana wrote on 21 May, 2010, 12:03

  Dear Pak Imam, Mohon Pencerahan Penerapan Capital Addition Clause kaitannya dengan Placement Facultative Reasuransi, dimana di dalam clause tsb, terdapat ketentuan pelaporan quarterly, tetapi reinsurance tetap mengenakan STNC as per confirmation pada saat capital addition tsb terjadi. Terima kasih atas pencerahannya. Salam, Sabarkah Maulana.

  IMAM MUSJAB: Lho khan di “Capital Addition Clause” khan sudah ada aturan pelaporannya, kenapa masih dikenakan STNC?? jika terjadi klaim sebelum pelaporan-pun khan sudah dijamin??
• 
  chandra p. sby wrote on 8 October, 2010, 16:37

  ciami banget website anda bos jarang ada nih..numpang sedot ilmunya nih…thanks berat bos..

  Imam MUSJAB: You’re welcome
• 
  Indra P wrote on 20 October, 2010, 5:57

  mas imam ..mau menanyakan klausula warranty premium clause 45 days ….mohon penjelasannya terima kasih

  Imam MUSJAB: artinya pembayaran premi harus sudah dilakukan paling lambat 45 hari sejak tanggal periode polis
• 
  olive wrote on 16 September, 2011, 16:33

  Dear Bpk Imam,
  Mohon penjelsannya perihal perbedaan antara :
  – RSMDCC (41.B)
  dengan
  -RSMD 4.1A / 2007

  khususnya dalam penutupan PAR karena saya masih bingung membedakannya..

  terima kasih
• 
  IMAM MUSJAB wrote on 21 September, 2011, 9:01

  RSMDCC 41.B (Riot, Strike, Malicous Damage, Civil Commotion)

  RSMD 41.A (Riot, Strike, Malicous Damage)

  bedanya tentu pada Civil Commotion = Huru Hara

  mana yang biasanya digunakan dalam Penutupan PAR only ? umumnya sudah memakai RSMDCC 41.B (Riot, Strike, Malicous Damage, Civil Commotion)
• 
  Rahayu wrote on 13 December, 2011, 15:20

  Pak imam mau tanya…untuk laptop dan notebook apabila masuk dalam asuransi PAR bisa ndak? dan apabila bisa dicover adakah klausul tersendiri untuk barang tersebut? terima kasih atas bantuannya
• 
  IMAM MUSJAB wrote on 24 December, 2011, 8:23

  Jika dijamin di PAR maka jaminan hanya terbatas “within the premises only” saat berada di dalam “kantor” saja sedangkan jika ingin dijamin “di dalam dan di luar kantor” harus dijamin under “Movable All Risks” biasanya ratenya berkisar 2.5% s/d 3.5%
• 
  emil wrote on 16 December, 2011, 8:53

  Ass, Pak Imam mau tanya: 
  1. Apakah benar kapal unclass tidak memiliki sertifikasi lambung/mesin kapal seperti halnya kelas BKI?
  2. Apakah bedanya surat keselamatan kapal dengan surat laik laut?
  3. Apakah cukup u/ penutupan m hull kondisi TLO kapal Unclass surat/document nya yang dilampirkan hanya: surat laut, surat ukur internasional, sertifikat keselamatan telepon radio kapal, sertifikat keselamatan kapal? Terima kasih. Wass
• 
  IMAM MUSJAB wrote on 24 December, 2011, 8:04

  1. Benar Tidak memiliki Sertifikat Klasifikasi Lambung / Mesin, hanya sertifikat yang dikeluarkan oleh “Flag State” atau “Port of Registry” saja.
  2. Sama Pak
  3. Betul
• 
  roy siregar wrote on 13 April, 2012, 10:35

  met siang, pa Imam, mau tanya nich…
  untuk Jaminan di Cargo (export – import) yang di pakai ICC A ; ICC B dan ICC C, untuk dalam negri sendiri yang di pakai itu untuk angkutan laut dan udara : Jaminan Satu, Dua dan TIga, klu untuk angkutan darat nya apakah pakai Jaminan 1, 2 dan 3 ? atau pakai Kondisi Cover A dan Cover B ?

  Sebenarnya mau export-import-domestik-inter-island-inland transit cukup pake ICC A, B, C. Namun karena ada versi Indonesia Jaminan 1, 2 dan 3 ya silakan di pake vesi PSAPBI tsb. tidak ada bedanya in principles. DAI Cover A dan Cover B sebenarnya sudah tidak di pake lagi (sebagian besar perusahaan asuransi sudah tidak pake lagi karena banyak kelemahannya) untuk Air Transit silakan pake ICC (Air) Cargo saja.
• 
  Budhi S wrote on 17 April, 2012, 9:52

  Dear Pak Iman,

  Adakah klausula yang bisa menghapuskan salvage / salvage boleh dihancurkan tanpa diperhitungkan oleh asuransi sebagai recovery.

  Terima kasih
• 
  Budhi S wrote on 17 April, 2012, 9:53

  Dear Pak Imam,

  Adakah klausula yang bisa menghapuskan salvage / salvage boleh dihancurkan tanpa diperhitungkan oleh asuransi sebagai recovery.

  Terima kasih

  Klausul berikut dapat dipertimbangkan:
  LOSS OF DAMAGE 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 the Insured attached to said property. However notwithstanding anything to the contrary elsewhere herein, it is understood and agreed that in case of damaged to goods insured under this Policy due to a peril insured against, the Insured or their representatives are to retain control of all damaged goods. The Insured, however agrees wherever practicable to use recondition or sell such goods, the sale being made after removal of all brands labels or trademarks, with the Insurer being entitled to the proceeds of the sale. Where the use or disposal or sale of damage goods would be in the opinion of the Insured or their representative detrimental to their interest such damage shall be treated as a constructive total loss and the Insured shall destroy the damaged goods in the presence of a representative of the Insurer and the Insured
• 
  Budhi S wrote on 17 April, 2012, 10:37

  Dear Pak Imam,

  Terima kasih atas infonya.

  Namun apabila dalam suatu kasus pihak Tertanggung hanya mau menghancurkan barang yang rusak karena berkaitan dengan brand (sepatu yang terkena water damage), dan dalam perhitungan klaim mereka tidak mau dikurangi sebagai salvage, apakah klausula ini bisa diterapkan?, mengingat didalam klausula tersebut ada kata yang menyebutkan “bahwa hasil penjualan salvage menjadi milik penanggung”.

  Mohon bantuannya Pak Imam. Terima kasih

  baca paragrap berikutnya:
  “…Where the use or disposal or sale of damage goods would be in the opinion of the Insured or their representative detrimental to their interest such damage shall be treated as a constructive total loss and the Insured shall destroy the damaged goods in the presence of a representative of the Insurer and the Insured.”
• 
  Budhi S wrote on 17 April, 2012, 12:26

  Ok, Pak. Thanks
• 
  Vero wrote on 9 May, 2012, 19:59

  Pak imam,
  Dalam buku tarif fire disebutkan ada warranty A, B, C.. Bisa tolong dijelaskan apa  perbedaannya dan apakah jika pemakaian warranty tersebut dapat menimbulkan dispute apabila terjadi klaim

  Terimakasih

  Kalo dibaca, bedanya adalah pada “Quantity” hazardous goods yang bisa disimpan di gudang atau toko tersebut, Warranty A Quantity-nya lebih sedikit dari B, sedangkan C tidak terbatas namun harus sesuai dengan persyaratan perundang-undangan yang berlaku. Silakan dibaca Warranty nya, Ya (?!)
• 
  Joko S wrote on 21 May, 2012, 15:45

  Siang Pak Imam,

  Saya tertarik dengan diskusi yang disampaikan oleh Pak Budhi S perihal klausula “LOSS OF DAMAGE GOODS CLAUSE” bagaimana jika dalam polis tersebut terlekat juga klausula “BRAND LABELS CLAUSE”. Yang mana keduanya sama sama mengatur hak Penanggung dan Tertanggung atas barang rusak/ salvage? apakah dalam hal ini kepentingan Penanggung bisa diabaikan begitu saja, jika tertanggung menganggap barang harus dihancurkan untuk menjaga brand mereka, padahal dalam klausula diatur perihal pelepasan brand/ label dan menyerahkannya ke Penanggung? mohon komentar Pak Imam.

  Salam,
  Joko S

  “Brand and Labels Clause” harusnya tidak boleh dipasang bersamaan dengan “Loss of Damaged Goods Clause” harus pilih salah satu
• 
  Joko S wrote on 22 May, 2012, 11:49

  Kalo sudah terpasang keduanya piye Pak? hehehe… dan itu memenuhi quotation yang disampaikan tertanggung via brokernya?

  karena “Loss of Damaged Good Clause” lebih menguntungkan klien, harusnya clause ini yang apply
• 
  kabul priyatno wrote on 23 May, 2012, 14:23

  Pak Imam saya mau tanya, sy mengajukan klaim asuransi kebakaran pada PT Asuransi Ramayana, kira-kira proses pencairannya klaim asuransi tsb berapa lama bilamana sdh ada persetujuan perhitungan nilai klaim kerugian yg di acc? trm kasih

  30 hari maksimum Pak, asuransi yang baik biasanya cuma 7-14 hari saja

  PASAL 18
  PEMBAYARAN GANTI RUGI
  Penanggung wajib menyelesaikan pembayaran ganti rugi dalam waktu 30 (tiga puluh) hari kalender sejak adanya kesepakatan tertulis antara Penanggung dan Tertanggung atau kepastian mengenai jumlah ganti rugi yang harus dibayar
  
• 
  fian sinaga wrote on 24 May, 2012, 22:29

  Pa’e,,
  ijin copy-paste materi ne yoo,, buat skripsi nee..
  n mungkin ntar banyak nanya2,, boleh kan??

  thank you!!
• 
  Yohanes wrote on 24 September, 2012, 16:29

  Sore Pak, saya mau tanya tentang Asuransi PAR.
  Teman saya punya Toko Sepatu, kemudian beberapa waktu yang lalu terjadi klaim karena Banjir sehingga terjadi kerusakan pada stock ( sepatu ). Setelah data-data klaim terpenuhi semua, kemudian pihak asuransi melakukan adjusment.
  di Adjustment tersebut terdapa kata ” OBSOLESCENCE “, itu apa maksudnya ya Pak ??? apakah ada clause yang menyatakan hal tersebut diatas??

  Mohon bantuannya ya Pak. Terima kasih.

  “Obsolescence” simplenya adalah pengurangan nilai ganti rugi atas stocks yang sudah “out-of-fashion”, lama, ketinggalan mode, sudah tidak laku dipasaran, dll. Jasa Penilai / Adjuster menggunakan “pendekatan metode ini” untuk menghitung “berapa kerugian sebenarnya yang diderita oleh klien?”
• 
  Yohanes wrote on 25 September, 2012, 8:44

  pagi Pak Imam, terima kasih atas informasnya. akan tetapi apakah ada Clause yang menyatakan tentang “Obsolescence” tersebut diatas ??
  Karena berdasarkan Surat Persetujuan Klaim dari Pihak Asuransi, Nilai Klaim yang disetujui jadi berkurang karena dipotong oleh “Obsolescence” sebesar 10 %.

  Berikut pernyataan pihak asuransi :
  ” Faktor Obsolescence kami berikan bukan hanya karena faktor ketinggalan jaman/kuno tapi ada faktor lain seperti stock yang rusak karena terlampau lama disimpan,hilang,barang retur (berdasarkan dokumen yang kami terima jumlahnya cukup banyak). Di sini kami hanya aplikasikan sebesar 10% untuk obsolescence. ”

  Mohon pencerahannya ya Pak. Terima kasih.

  Tidak ada Clause-nya, Pak. “obsolescence” adalah pendekatan penilaian yang dilakukan oleh jasa penilai untuk faktor2 ketinggalan mode, lama, kemungkinan ngga laku, dll. besarannya biasanya berkisar 5% – 20% tergantung “seasonal of stocks”
• 
  Sabar wrote on 10 October, 2012, 10:40

  Dear Pak Imam,

  Sebelumnya saya ucapkan terima kasih atas terjemahan Reinstatement Value Clause yang dikirimkan ke alamat email saya.
  Saya butuh bantuan Bapak lagi perihal asuransi alat berat. Apakah alat berat bisa diasuransikan dengan kondisi/klausula TLO? Apa perbedaannya dengan TLO pada asuransi kendaraan bermotor? Jika bisa, mohon sekali lagi untuk dapat mengirimkan klausula yang dimaksud untuk saya pelajari.

  Terima kasih,

  TLO Tentu saja Bisa, Pak.
  Apa perbedaannya dengan TLO pada asuransi kendaraan bermotor? Jika Bapak menggunakan TLO 75% maka sama dengan asuransi kendaraan.
  Jika Tidak maka artinya TLO 100% sound value
• 
  selvy wrote on 12 October, 2012, 16:59

  Pak, saya boleh minta klausula original spare part dalam bahasa Indonesia, karena saya sudah cari2 tapi belum menemukannya. Trims

  Waduh saya malah baru dengar ada klausul “Original Spare Parts” jangan-jangan ada juga klausul “Spare Parts Palsu” he..he.. siapa yang punya, bisa minta wordings-nya, Please?
• 
  Rio wrote on 15 October, 2012, 16:00

  selamat siang pak..apakah saya bisa dibantu maksud dari Full Theft Exclusion Clause ?

  Biasanya Bukan “Exclusion” Pak, tetapi “Inclusion” Clause. Coba cek?!
  Kalo Exclusion berarti –> Polis tidak menjamin segala bentuk pencurian baik dengan unsur kekerasan maupun tanpa unsur kekerasan
  Kalo Inclusion berarti –> Polis diperluas untuk menjamin pencurian yang tidak disertai unsur kekerasan
  Biasanya wordingsnya:
  It is declared and agreed that this certificate shall extend to include theft not accompanied by actual violent and forcible entry or exit from the premises
• 
  arif wrote on 14 November, 2012, 16:41

  Dear Pak Imam, selamat sore..saya ingin bertanya mengenai BPPDAN. Apakah bapak memiliki data BPPDAN 2012 mengenai loss ratio industri tertentu berdasarkan class of bussines nya??
  Jika berkenan apakah bapak dapat membantu mengenai data tersebut untuk keperluan skripsi saya.. terimakasih

  BPPDAN nya saja belum publish data-nya Pak di website ini statistiknya cuma sampe 2001 http://www.reindo.co.id/bppdan/statistik_200011.htm
• 
  Ratnasari Dewi wrote on 23 November, 2012, 11:30

  Selamat siang Bp. Imam, saya ada kirim e-mail ke Bapak. Mohon bantuannya ya pak. Terima kasih atas perhatian dan waktunya.

  Sudah dibalas, ya
• 
  Anonymous wrote on 26 November, 2012, 17:06

  apa yang perlu diperhatikan saat survey penutupan kondisi penutupan PAR?Thx mohohn bantuannya

  simplenya memperhatikan semua hal yang harus dilengkapi dalam form-survey-report ha..ha.. khan didalam template survey report sudah ada pertanyaan-pertanyaan yang harus dijawab.

  antara lain: okupasi, construction, fire prevention, security, proses produksi, manajemen, hazardous materials, dan lain-lain
• 
  Andreas M. Unu wrote on 30 January, 2013, 15:23

  Sore pa Imam, saya lht koq bunyi klausul Architects…… = bunyi Klausul All other contents.
  Mohon dicek lagi. Thanks

  Terima kasih Pak koreksinya, sudah saya ganti link nya.

  atau download disini
• 
  hidayat solihin hz wrote on 6 February, 2013, 13:51

  Assalammu’alaikum, wr,wb. 
  dear pak Imam,…
  Bisa saya  minta  penjelasan (description) jaminan : – Tanah longsor (4.10),  RSMDCC 41.B (Riot, Strike, Malicous Damage, Civil Commotion) dan RSMD 41.A  …??
  Terima kasih pak, atas bantuannya,
  Wassalam.Hidayat S. HZ.

  Pak saya sudah email klausul-klausul nya ya
• 
  agung wrote on 14 February, 2013, 8:49

  Selamat Pagi Pak Imam…

  Saya mau menanyakan apa yang dimaksud dengan klausula : Automatic Reinstatement of Sum Insured clause (with additional premium) ? Apakah berbeda dengan Reinstatement Value Clause ? Karena kedua klausula ini sering tercantum dalam polis Property All Risks
  Kami mohon bantuan Bapak, terima kasih.

  Reinstatement Value Clause : Penggantian klaim dengan harga perolehan / pembangunan baru tanpa dipotong depresiasi

  Automatic Reinstatement of Sum Insured clause (with additional premium) : Setelah terjadi klaim harga pertanggungan dipulihkan otomatis tentu saja harus membayar premi tambahan
• 
  Oggy wrote on 23 August, 2013, 13:18

  Dear Pak Imam

  Mohon informasi, untuk stock makanan dalam freezer, klausul apa yang membatasi kerusakan stock tersebut apabila mesin pendingin tidak bekerja. Terima kasih jawabannya

  Untuk asuransi “Stock Makanan dalam Freezer” polis yang sesuai adalah “Polis Deterioration of Stocks (DOS)” selain polis DOS maka “Kerusakan stock apabila mesin pendingin tidak bekerja adalah tidak dijamin”
• 
  Oggy wrote on 18 September, 2013, 13:46

  Dear Pak Imam,

  Trims ya atas jawabannya. Mohon informasi kembali pak, jika polis PAR dilekatkan kondisi Indeminty Basis, berarti pada saat klaim diperhitungkan depresiasi ya pak? 

  Makasih sebelumnya

  in practice, tidak ada polis PAR yang dilekatkan kondisi Indemnity Basis, Oggy

  in theory, juga tidak pernah saya temukan yang demikian

  Jika Memo 1 – Sum Insured tidak adequate maka simply average to apply
• 
  agung wrote on 4 November, 2013, 9:09

  Pak Imam,

  Saya mohon informasi tentang ke klausula : Special electrical short circuit coverage clause.
  Mohon penjelasan dari bapak dan seberapa penting klausula tersebut?

  Terima kasih atas bantuannya.

  Tinggal di baca aja arti klausul nya

  KLAUSUL 4.12.
  PERLUASAN JAMINAN ARUS PENDEK

  Dengan ini ditegaskan bahwa dengan pembayaran premi tambahan yang disepakati, pertanggungan ini menjamin juga kerusakan fisik yang terjadi pada suatu unit peralatan listrik atau elektronik, kecuali peralatan listrik atau elektronik untuk keperluan rumah tangga, yang tercantum pada Ikhtisar Pertanggungan polis ini, yang disebabkan oleh arus pendek pada peralatan listrik atau elektronik tersebut.

  Atas setiap ganti rugi yang dapat dibayarkan, Tertanggung wajib menanggung risiko sendiri sebesar 5% dari harga pertanggungan peralatan yang mengalami kerusakan atau Rp. 100.000,- (seratus ribu rupiah) untuk setiap kejadian, yang mana yang lebih besar.

  Perluasan jaminan ini tidak berlaku apabila risiko tersebut telah ditutup dengan pertanggungan khusus untuk itu.
  
• 
  agung wrote on 4 November, 2013, 9:13

  Pak Imam,

  Mohon maaf, ada yang lupa.. selain Special electrical short circuit coverage clause, saya juga butuh informasi klausula : Out building clause & Hydrant, sprinkles damage and leakage extension
  Maksudnya apa dan seberapa diperlukan?

  Terima kasih atas bantuannya.

  Gampang tinggal baca klausul bahasa Indonesia nya saja. Klausul yang lain juga tinggal dibaca saja artinya ya…

  KLAUSUL BAGIAN LUAR BANGUNAN

  Pertanggungan atas tiap bagian dari bangunan berarti termasuk dinding-dinding, pintu-pintu gerbang dan pagar-pagar, bangunan-bangunan kecil di luar, perluasan-perluasannya, ruangan-ruangan tambahan, tangga-tangga luar, instalasi bahan bakar, kerangka-kerangka besi atau baja dan tangki-tangki yang berada dalam pekarangan dan pertanggungan atas tiap bagian dari isi bangunan termasuk isi setiap bangunan luar, asalkan nilai-nilainya telah dimasukkan ke dalam jumlah pertanggungan.
  
• 
  Hera wrote on 24 April, 2014, 11:56

  Dear Pak Imam,

  Mohon advise nya untuk isi klausula agreed value clause. Saya coba cari tapi tidak ada untuk propery. Adanya untuk aviation.

  Mohon pencerahan.

  terima kasih.

  Sama aja Mbak, Tinggal ganti “insured Aircraft” dengan “insured interest” saja
• 
  Jessica wrote on 5 November, 2014, 9:05

  pak saya mau nanya.. kalau cost of re-erection clause ada penjelasannya? karna saya pada saat kebakaran ada mesin yang baru dan mesin yang sudah produksi yang ikut terbakar. kalau ada bisa dikirimkan ke email saya pak.. terimakasih banyak..

  Bisa dilihat di sini, Jessie
  http://ahliasuransi.com/cost-of-re-erection-clause/
• 
  Jessica wrote on 6 November, 2014, 9:13

  terima kasih banyak pak.
• 
  Jessica wrote on 6 November, 2014, 16:17

  pak saya mau nanya lagi.. kalo supaya pembiayaan renovasi gedung tidak kena removal debris clause bagaimana yah pak? terimakasih

  Supaya tidak kena ROD? ya di “Excluding ROD” saja
• 
  Slamet Riyadi wrote on 8 November, 2014, 9:22

  Dear Pak Imam,
  Pak Saya bekerja di salah satu perusahaan golf, apakah ada jenis asuransi yang cocok untuk para pemain golf yang datang ditempat kami, terimakasih atas jawabannya/

  IMAM MUSJAB : Ada Pak, namanya “Golfers’ Insurance” – Golfers’ Insurance allows you to enjoy your game with complete peace of mind by providing a comprehensive cover at a golf course premises; including driving ranges.

  Misalnya produk ini,
  http://www.aig.com/Golfers-Insurance_1030_229176.html
• 
  ryan wrote on 8 December, 2014, 21:07

  Malam mas Imam, saya mau menanyakan :

  1.bagaimana tertanggung dalam melaporkan laim dan memenuhi data yang valid dan lengkap yang disebutkan dalam klausula Loss Notification Clause 14 days. sedang tertanggung baru bisa memenuhi semua dalam waktu 18 hari. berhubung jauhnya komunikasi dan pengadaan data dilapangan.

  Yang penting lapor dulu 14 hari by telpon diikuti email atau fax
  Melengkapi data / dokumen bisa menyusul
  Jika dirasa masih kurang cukup bisa minta tambahan menjadi 30 hari

  2. Bagaimana bila pembayaran premium telat namun kwitansi asli bermeterai pembayaran sudah diberikan oleh pihak asuransi kepaa tertanggung

  Ya..ini adalah praktek yang salah belum bayar tapi udah dapet kuitansi (ha..ha..)
  Namun secara legal tetap saja bahwa pembayaran premi dianggap sudah dilakukan apabila dana sudah masuk ke rekening perusahaan, atau sudah diterima (jika pembayaran tunai
  

  Demikain, kami minta bantuan jawaban secara teknis hukum asuransinya. terimakasih,

  salam,

  ryan
• 
  roy wrote on 14 December, 2014, 17:02

  P Imam …
  stock out off premisses clause itu apa ? 

  Salam
  roy

  sama dengan ini, Roy
  Outside premises storage clause
  Where the Insured enters into a contract for storage of goods and/or merchandise and the terms of the storage contain a disclaimer clause, then the insurance provided by the Policy shall not be prejudiced by the Insured agreeing to such terms.

  artinya: menjamin stocks yang disimpan dilokasi diluar yang dicantumkan di polis (biasanya dengan limit tertentu)
• 
  Doni wrote on 11 January, 2015, 19:55

  Selamat Malam Pak Imam..
  saya mau menanyakan untuk kasus asuransi yang disebabkan cargo disposal yang didalamnya itu terdapat 5 point dimana diantaranya 
  a) Recondition or repair
  b) Sale to the original user with depreciation (sometime, after reconditioning)
  c) Sale to another user for another purpose
  d) Dispose as scrap
  e) Total loss
   itu kasusnya seperti apa ya pak. mohon diberikan contohnya dari 5 point itu ya pak. terimakasih pak 🙂
• 
  agung wrote on 10 March, 2015, 15:48

  Selamat siang Bp. Imam,

  mohon penjelasan tentang ‘premises clause’.
  Seberapa pentingkah klausula tersebut dibutuhkan dalam asuransi PAR?
  Terima kasih sebelumnya

  Premises Clause:
  This policy extends to cover property described herein whilst in or on platform, alley, yards, outbuildings and/or in the open air on the premises described herein. But Excluding loss due to exposure to elements of sun (heat), rain, (eq.rust,evaporation).

  Penting juga sih sebagai penegasan saja bahwa polis juga menjamin harta benda yang berada di dalam bangunan dan juga diluar bangunan, termasuk yang berada di lapangan atau di ruang terbuka, supaya tidak terjadi perselisihan nantinya

  http://ahliasuransi.com/property-insurance-clauses/
• 
  Eka Djaja wrote on 13 March, 2015, 8:42

  Selamat pagi Pak imam,

  Mohon informasi, bila terjadi klaim di Asuransi property, data yang harus disiapkan Tertanggung antara lain copy IMB dan PBB. Bila IMB dan PBBnya masih atas nama orang lain karena Tertanggung membeli rumah bekas selain itu Tertanggung ada merubah bentruk dalam bangunan (misalnya, kamar tidur yang tadinya didekat jendela depan dipindah ke belakangi), bagaimana mana perlakukannya pada saat penutupan ?, terima kasih

  Jika terjadi klaim IMB, PBB tidak diminta, Pak – sangat jarang sekali perusahaan asuransi meminta-nya karena mungkin tidak relevan

  Perubahan bentuk, dll juga tidak relevan, Pak – tidak perlu diberitahukan (bukan fakta materiil)

  Bapak tidak perlu kuatir, perusahaan asuransi tidak menanyakan hal-hal yang tidak materiil / tidak relevan, yang paling penting Bapak mempunyai kepentingan keuangan atas rumah tersebut (misalnya sebagai pemilik, walaupun akta / sertifikat belum balik nama, tidak ada masalah)
• 
  adi wrote on 21 March, 2015, 18:40

  selamat malam pak imam,
  mohon pencerahannya..saya mau tanya, misalkan suatu pabrik memiliki polis PAR. isinya mesin dan stok barang. mesin2 yang digunakan umurnya sudah agak “tua” dan sudah tidak diproduksi lagi tipe mesin tersebut, apabila terjadi kebakaran dan total loss, bagaimanakan asuransi akan menilai penggantian atas mesin “tua” tersebut?? mohon bentuan penjelasannya. terima kasih

  Metode ganti rugi polis PAR adalah : Reinstatement Value
  Ganti rugi untuk mesin : yaitu membayar biaya ganti rugi untuk membeli mesin BARU sejenis atau dengan type sejenis (tidak lebih baik atau lebih unggul) atau dengan kata lain:
  Mesin Bekas diganti Mesin Baru (type sejenis) tanpa dikurangi depresiasi
  Mesin Tua diganti Mesin Baru (type sejenis) tanpa dikurangi depresiasi

  Khan mesin tua sudah tidak diproduksi lagi?
  Pendekatannya adalah : harga mesin baru dengan type yang paling rendah
  Jika type mesin ini-pun masih lebih canggih?
  Dikurangi “betterment” atau unsur kecanggihan yang dimilikinya sekian persen

  Loss Adjusters / Appraisal – memiliki pengetahuan untuk menilai unsur “betterment” tsb

  (Imam MUSJAB)
  
• 
  nando wrote on 31 March, 2015, 13:28

  Dear pak Imam,

  saya pernah membaca isi klausula Appraisement Clause dalam polis PAR sebagai berikut :

  “If the aggregate claim for any one loss does not exceed Rp. 100.000.000,- by the item or items affected no special inventory of appraisement of the undamaged property shall be required. If two or more buildings be included in a single item this provision shall apply to the range of buildings and/or contents by the item or items affected.”

  mohon penjelasannya dari maksud klausula tersebut

  terima kasih

  Artinya jika klaim kurang dari 100 juta maka dibayar penuh, tidak ada average (tidak berlaku prorata, walaupun mungkin VAR lebih besar dari TSI)
  (Imam MUSJAB)
• 
  sahril effendi wrote on 22 April, 2015, 17:11

  Mhn bantuannya.

  Misalkan dipolis asuransi tertulis Asuransi Atas stok 1000 atas Mesin 2000.
  lalu timbul kejadian kebakaran dengan nilai kerugian misalnya 200.dan pd waktu kejadian jumlah atas stock 1500. bagaimana perhitungan nilai claimnya.dan juga dipolis tertulis ARC ( 85% TSI )

  Terima kasih.

  1000/1500 = 66.66%
  Jadi ganti rugi = 1000/1500 x 200 = 133.33
  
• 
  dave wrote on 5 May, 2015, 9:46

  dear pak imam,

  bagaimana cara menghitung premi (renewal) untuk tahun kedua, setelah terjadi klaim, dimana kondisi polis dalam tahun pertama terjadi klaim kebongkaran (kecurian).

  mohon bantuannya pak

  Untuk polis asuransi harta benda (PAR), sangat mungkin perusahaan asuransi akan menaikkan premi sampai dengan maksimum premi batas atas, tapi mungkin saja tarif premi tidak dinaikkan. sangat bergantung dengan apakah klaimnya besar atau kecil, hubungannya dengan bisnis klien lainnya dll, dll

  pengenaan tarif mungkin sangat subjektif
• 
  suyanto wrote on 11 June, 2015, 8:55

  asslamukalaikum wrwb….mas imam

  mau tanya dong….jika terjadi klaim expenses apa saja yang bisa direcoverable oleh pihak Reasuransi? apakah biaya survey yang dilakukan oleh pihak asuransi (bukan idependen loss adjuster atau surveyor) bisa di mintakan recoverynya ke pihak reasuransi sebagai penanggug ulang…?
  terimakasih wasslm

  sebenarnya secara teori Bisa, Pak – on incurred basis, biaya-biaya survey yang dikeluarkan oleh perusahaan asuransi (bukan independent loss surveyors) untuk survey klaim bisa di-recoverable. Namun, hal ini jarang sekali (atau hampir tidak pernah) ditagihkan mengingat sudah ada komponen komisi reasuransi yang sudah dibayarkan untuk menutupi biaya-biaya tersebut, disamping juga mengingat “relationship” matters yang sudah terbangun bagus antara perusahaan asuransi dan reasuransi (umumnya begitu) Pak.
• 
  eLchan wrote on 30 June, 2015, 20:55

  Pak, saya prnh dengar ttg polis PAR yg mempunyai kelebihan otomatis cover perpanjang bila lupa diperpanjang.. Adakah klausula atau wording yg mjelaskan itu? Thanks sblmnya..

  Original version memang seperti itu
  lihat di sini https://ahliasuransi.files.wordpress.com/2008/11/iar-munich-re-wordings-bilingual.pdf

  13. Period of Insurance

  The period of insurance is one year.Inception and expiry shall both be 12 o’clock noon at the dates entered in the Schedule. The insurance is automatically renewed for a year, unless Insurer or Insured request in writing the termination at the expiry date, giving 30 days notice.

  13. Jangka Waktu Asuransi
  Jangka waktu asuransi adalah satu tahun. Mulai dan berakhirnya adalah pada pukul 12 siang pada kedua tanggal yang tercantum dalam Ikhtisar. Asuransi ini secara otomatis diperpanjang untuk satu tahun, kecuali jika Penanggung atau Tertanggung meminta secara tertulis pengakhiran pada tanggal berakhirnya,dengan menyampaikan pemberitahuan dalam waktu 30 hari.

  Namun, hati-hati karena beberapa perusahaan asuransi menghapus klausul ini
  
• 
  beni wrote on 26 September, 2015, 23:08

  Pak Imam, apakah mobil-mobil yang sementara perbaikan di bengkel dapat diasuransikan oleh pemilik bengkel menggunakan polis PSAKI ?

  Bisa saja jika Penanggung nya setuju
  Yang lebih tepat sebenarnya masuk dalam jaminan polis “Bailee Liability” yang menjamin tanggung jawab hukum pemilik bengkel terhadap mobil-mobil yang dititipkan atau diperbaiki
• 
  Putri Ari Anggraini wrote on 17 March, 2016, 15:03

  Dear Pak Imam,

  Mau tanya Pak. Apakah kalusula “Transit extension Clause as per PSAKBI” dengann “Including whilsy on Ferry” itu sama ya pak? Bisa dijelaskan pengertiannya tidak Pak?

  Sebenarnya tidak perlu lagi additional clauses seperti itu khan sudah dijamin di wordings standard PSAKBI. malah bikin bingung saja
• 
  vidiyastuti wrote on 26 April, 2016, 9:30

  Dear Pak Imam,

  mohon saran apabila hendak mengasuransikan mobil boggie/mobil komodo baiknya menggunakan apa ya? ada yang saran moveable property all risk atau heavy equipment
  sekian terima kasih

  vidi

  Menurut saya pake polis asuransi kendaraan bermotor lebih tepat (dengan modifikasi area penggunaannya saja)
• 
  Taufan wrote on 7 June, 2016, 10:37

  Dear Pak Imam, Mohon bantuannya mengenai wording Adjacencies Clause & penerapannya dalam polis IAR/PAR ?
• 
  Rifky wrote on 1 July, 2016, 11:01

  Selamat Pagi Pak Imam,

  saya ingin menanyakan perihal Internal removal clause.. Dalam satu polis IAR mengcover 5 gudang dalam lokasi ( premises ) yang berbeda.. pada suatu saat terjadi kebakaran di gudang No 5 yg jadi perhatian saya pada sebelum terjadi kebakaran telah terjadi perpindahan stok dari gudang no 4 ( SI 4 bio ) ke gudang no 5 ( SI 5 bio ) ( terjadi penambahan SI ) dengan jarak antar gudang tersebut 2 KM.. yg saya ingin tanyakan apakah perpindahan tersebut termasuk dalam internal removal clause mengingat jarak antar gudang 2 Km dan bukan dalam satu premises.. dan apakah nilai kerugian tersebut termasuk stok dari gudang 4 atau hanya SI gudang 5 saja..

  terima kasih

  Tidak termasuk Rifky

  Untuk stocks yang terdapat di beberapa gudang (lokasi) dan terjadi perpindahan stocks dari gudang yang satu ke gudang yang lain dapat menggunakan metode “Floating Sum Insured” dimana TSI ditetapkan untuk seluruh lokasi dan tidak perlokasi.

  Beberapa underwriters biasanya tetap akan menanyakan maksimum kapasitas / maksimum total value per gudang –> tetapi hal ini bukan berarti pembatasan TSI per gudang, hanya untuk keperluan underwriters menghitung kapasitas akseptasi mereka apakah bias retain 100% atau tidak.
• 
  ade ubaidillah wrote on 31 October, 2017, 9:55

  Mohon penjelasannya Pak Iman Stock Administration Clause dengan Stock Declaration Clause apakah sama pak?
• 
  Paskal wrote on 18 September, 2019, 10:49

  Dalam Polis PAR terdapat Deffered Premium Clause 2x ….pembayaran premi dilakukan melewati batas waktu deffered premium clause (1 bulan)…yang saya ingin tanyakan apakah klaim tersebut liable atau tidak (pembayaran premi pertama di lakukan setelah klaim terjadi dan melewati 1 bulan dari jadwal yang telah ditentukan dalam pembayaran premi pertama) .

  Harus diperhatikan baik-baik isi klausul-nya dan mekanisme pembatalan polis yang disepakati jika premi tidak dibayarakan pada tanggal jatuh tempo – karena isi klausul mungkin berbeda-beda

  Jika premi tidak dibayarkan setelah grace period dan lewat batas due-date, tentu harusnya polis dibatalkan dan klaim dapat ditolak
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  Quick Deposit: 0.35 Bitcoin sent. Confirm here => https://graph.org/GET-FREE-BITCOIN-07-23?hs=6af06a44822e62c18b16f0e35d1b09cb& wrote on 31 August, 2025, 18:48

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  Balance Notification - +1.8 BTC processed. View here >> https://graph.org/Get-your-BTC-09-04?hs=6af06a44822e62c18b16f0e35d1b09cb& wrote on 13 September, 2025, 2:22

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  Warning - Transaction of 0.85 Bitcoin detected. Verify Now > https://graph.org/Get-your-BTC-09-04?hs=8b8b7e731b57b9544e6bf3501fd8398a& wrote on 30 September, 2025, 11:52

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