STANDARD
POLICY OF MOTOR VEHICLE INSURANCE FOR
The
Insurer who is signing this Policy, based on the written insurance request of
the Insured through an Application for Insurance for Motor Vehicle (SPPKB)
and/or another document, forming an integral part of this Policy and based on
the payment of the premium of the Insured, agrees to give a compensation to the
Insured based on stipulations, requirements, exceptions stated in and/or put
and/or attached to this Policy.
SECTION 1
RISKS COVERED
ARTICLE 1
Loss or Damage to the Motor
Vehicle
The Insurer indemnifies the Insured against :
(1)
Loss or Damage to the motor vehicle insured caused by :
(1.1)
collision, impact, overturning or running off the road, also included
the consequence of material error, construction defect, inherent defect or
other causes of the motor vehicle concerned;
(1.2)
malicious damage by any other person;
(1.3)
theft, including theft preceding, or concurrent with or subsequent to
bodily violence or the threat of bodily violence made to a person and/or the
insured vehicle with the intention of facilitating theft of the whole motor
vehicle or equipment of the motor vehicle insured in this policy;
(1.4)
fires, including fire on objects or other motor vehicle close by or a
storage place for insured motor vehicles, or as a consequence of water and/or
other means used to confine or extinguish the fire; likewise the consequence of
partial or total destruction of the insured vehicle by order of the lawful
authorities with the object of confining the fire;
(1.5)
stroke of lightning.
(2)
Loss or damage by events defined in SECTION I, Article 1, paragraph 1
item (1.1), (1.2), (1.3), (1.4) and (1.5) and other causes during transit by
ferries or other official crossing means under the control of the Directorate
General of Land Communication.
(3)
Damage to tires if such damage also causes damage to the motor vehicle
as a consequence of an accident.
(4)
Proper expenses incurred by the Insured for safeguarding or transport
to a workshop or other place to prevent or reduce loss or damage insured in
this policy, not exceeding half percent (0.5%) of the sum insured, without
calculating with the own risk.
ARTICLE 2
Third Party Liability
The
Insurer indemnifies the Insured for :
(1)
Legal Liability of the Insured to a loss suffered by a third party
directly caused by the insured Motor Vehicle, either settled through an
amicable settlement or through the court, both with prior consent of the
Insurer, maximum in the sum referred to in the summary of the insurance
including;
(1.1) damage to property
(1.2) bodily injury or death
(2)
Legal fee or aid for cost of experts related to the claim liability of
the Insured with prior written consent of the Insurer.
SECTION II
RISKS NOT COVERED
ARTICLE 3
Insurer does not indemnify :
(1)
Loss of profit, loss of earnings, depreciation in value or any other
financial loss suffered by the Insured in consequence of the insured motor
vehicle being out of use due to an accident or any other cause.
(2)
Damage to or loss of additional equipment/accessories not specified in
the summary of this Policy in consequence of an accident or any other cause.
(3)
Damage or loss of insured motor vehicle partially or totally in
consequence of embezzlement/absconding.
(4)
Loss of damage to insured motor vehicles as a consequence of a criminal
act committed by the Insured, husband, or wife or child of the Insured, someone
ordered by the Insured, in the employment of the Insured, a person with the
knowledge or consent of the Insured/a person in the employment of the Insured
or a person who is staying with the Insured.
(5)
Loss or damage to the insured motor vehicle caused by :
(5.1) The motor vehicle is being
used to tow or to push another motor vehicle, to participate in a skill
competition or a race, tuition in driving, to tow a trailer, for a carnival or
a procession, or to conduct a crime act, or for a certain purpose other than
stipulated in this policy.
(5.2) Overloading or being driven
by force.
(5.3) The motor vehicle is driven
with the knowledge of the Insured in a damaged condition, in a technically not
justifiable, insecured condition or being under repair.
(5.4) The motor vehicle is driven
by someone who at the time of accident does not have a valid driving license or
by a person who is under influence of alcohol or any other drugs.
(5.5) Entering or driving over roads
closed, prohibited or not meant for the Insured motor vehicle with this Policy.
(5.6) Goods being loaded on to,
piled up, unloaded from or transported by the Motor Vehicle.
(5.7) Nuclear reaction or
radiation, radio active pollution, nuclear reaction of the atom, irrespective
as to how the reaction has been effected notwithstanding anything, whether,
within or outside the insured motor vehicle.
(6)
Loss or damage to the insured motor vehicle either directly or
indirectly caused by :
(6.1)
Earth quakes, eruption of a working volcano, a storm, hurricane, flood,
stagnant water, or geologic phenomenon or other meteorology.
(6.2)
War, attack, foreign enemy’s action, hostility or activities resembling
a war atmosphere (with or without declaration of war), civil war, revolt, civil
commotion (riots) considered being a part of or leading to a general revolt, a
military revolt, riots, terrorism, using violence, revolution, using military force or taking over power or
the act of a person acting in the name of or linked to an organization with
activities aiming to overthrow the legal de jure or de facto government by
force.
(6.3)
Riots, strikes or any other public order disturbance and the like.
(7)
Loss or damage to the parts or material of the insured motor vehicle
due to being worn out, nature of own shortcoming to that part or to the engine
as a consequence of injudicious use.
(8)
The loss suffered by a third party directly or indirectly caused by the
Insured Motor Vehicle is in the form of :
(8.1) damage to property owned by
or under control of the Insured is transported, loaded on or unloaded from the
Insured Motor Vehicle;
(8.2) damage to roads, bridges,
viaducts, buildings found underneath, above, or beside the road as a result of
vibrations, the weight of the Motor Vehicle or its load.
(9)
Bodily injury/death directly or indirectly caused by a Motor Vehicle
insured against :
(9.1) a passenger in the Insured
Motor Vehicle;
(9.2) the Insured, husband or wife
and child of the Insured in the event the Insured is an individual;
(9.3) shareholder or the management
if the Insured is a limited partnership (CV) or a Firm;
(9.4) the management, in the event
the Insured is a legal body in the form of a limited liability company,
institution or a joint venture or another form;
(9.5) a person in the employment of
the Insured by receiving repayment of services;
(9.6) a person staying with the
Insured;
(9.7) animal owned by or under
control of the Insured, transported, loaded on to, unloaded from the Insured
Motor Vehicle.
SECTION III
POLICY CONDITIONS
ARTICLE 4
Territory
This
Insurance is only in force within the limits of the
ARTICLE 5
Payment of Premium
Unless
otherwise agreed upon, the payment of the premium shall be settled first.
If
the premium is not paid within a period of 10(ten) working days as of the
starting date of the insurance or the date of the insurance extension, the
validity of this insurance is postponed by the Insurer without any prior
notification and if at any time a loss/damage occurs on the insured motor
vehicle, the Insured is not entitled to get a compensation. This postponement shall be ended 24 (twenty
four) hours after the premium has been received by the Insurer or this
insurance will become null and void for the sake of law in the event the
premium is not paid for after 90 (ninety) calendar days have elapsed starting
as of the date the insurance is in force.
Upon this annulment the Insurer is entitled to the premium during the
period which has already run to the sum of 20% (twenty percent) of the annual
premium.
ARTICLE 6
Accident Notification
(1) The Insured is obliged to
give notice of an accident or theft on the Insured Motor Vehicle to the Insurer
at the latest 3 (three) working days after the occurrence of the accident or
the theft.
(2) The notification referred to
in paragraph 1 mentioned above is done in writing or verbally followed by a
written report to the Insurer.
(3) In the event of a theft or
damage to the Insured Motor Vehicle committed by a third party which can be
made a basis for claiming a compensation of the loss or due to the claim by a
third party to be borne by the Insurer, the Insured is obliged to report this
to and obtain a statement from at least a local police station.
(4) Especially for a total loss
as a consequence of a theft, the Insured is obliged to report this to and to
obtain a statement from the local Regional Police.
ARTICTLE 7
Third Party Claim
In
the event a compensation is claimed to the Insured by third parties in the
framework of a loss or damage caused by the insured Motor Vehicle, then;
(1) The Insured is obliged to
give notice to the Insurer of the claim at the latest 3 (three) working days
after receipt of the claim;
(2) The Insured shall immediately
deliver the existing documents in connection with the claim filled by the third
party concerned;
(3) The Insured is not allowed to
make any promises, statements or conduct any actions that give an impression
that he acknowledges the claim liability;
(4) The Insured authorizes the
Insurer to handle the claim for compensation to third parties and if
required. The Insured is obliged to give
power of attorney to the Insurer.
ARTICLE 8
Criminal Claim Against the
Insured
(1) If a criminal claim is
brought against the Insured in the context of a loss suffered by third parties,
the Insured is obliged to give the Insurer notice of the matter at the latest
within 3 (three) working days since the claim has been received by the Insured.
(2) The Insurer is entitled to
appoint a legal advisor and in such a case the Insured is obliged to use the
advisor in his case. The fee for such an
aid is for the Insurer account.
ARTICLE 9
Indemnification
The
Insurer shall indemnify the Insured for the damage to or the loss of the
insured Motor Vehicle based on the actual price just before the damage or the
loss occurs or upon the claim filed by third parties, maximum in the sum, after
reduction by the own risk amount (own retention) included in the insurance
summary and after imposing insurance calculation below the price according to
article 12 hereunder, with the following stipulations:
(1) The Insured is obliged to
give the opportunity to the Insurer to investigate the damage before any
repairs or replacement have been done on the motor vehicle concerned.
(2) The Insured is entitled to
determine its choice for repair in the workshop appointed or approved, to
replace by a similar Motor Vehicle or to compensate it with money.
(3) The Insured is entitled to
file his dissatisfaction in writing about the result of the repair on the Motor
Vehicle concerned therewith by the workshop within a period of 14 (fourteen)
calendar days after completion of the repair and delivery to the Insured in
case the workshop has been appointed by the Insurer.
On payment of compensation the Insurer will
calculate with the premium owed for the insurance period which still runs on
the Motor Vehicle.
ARTICLE 10
Total Loss
Total
loss is damage or loss of which the cost for repair is estimated equal to or
more than 75% (seventy five percent) of the actual value of the motor vehicle
concerned if repaired or lost because of theft and not found within a period of
60(sixty) days after the theft of the Insured Motor Vehicle.
ARTICLE 11
Compensation of Double
Insurance
(1) Deviating from article 277
paragraph 1 of the Commercial Code in the event of loss to insured motor
vehicle under this policy, wherein the Motor Vehicle concerned has also been
insured by one or more other insurers and the total sum of all the insurance
exceeds the price of the Motor Vehicle concerned, the sum insured under this
policy is considered decreased according to the proportion between the sum of
all insurance and the price insured.
However, the premium is not decreased or returned.
(2) The above stipulation remains
in effect although various insurance has been taken with several policies and
on different dates, earlier
than the date of this policy and do not contain
stipulations referred to in paragraph 1 above.
In the event of a loss or damage upon request of the
Insurer, the Insured is obliged to notify in writing all other insurance which
are still in effect on the same Motor Vehicle at the moment when loss or damage
occurs.
ARTICLE 12
Under-Insurance
If
at the moment of loss or damage by a danger to the insured motor vehicle
guaranteed under this motor vehicle insurance, the actual price of the motor
vehicle is higher than the insured price, the Insurer will give a compensation
according to the calculation of the insured part against the uninsured part.
ARTICLE 13
Act of Prevention
The
Insured is obliged to make all proper efforts to guard and maintain the motor
vehicle. In the event of an accident or
damage to the motor vehicle, the vehicle concerned may not be left without
reasonable security to avoid further damage/loss.
ARTICLE 14
Subrogation
(1) In accordance with article
284 of the Commercial Code, after payment of the compensation for the motor
vehicle and/or the interest insured under this Policy, the Insurer compensates
the Insured with all the rights acquired against third parties in the context
of this loss. The subrogation right referred to this in this paragraph is
automatically in effect without necessity of special letters of power of
attorney from the Insured.
(2) The Insured is liable for
every act which could damage the Insurer right against the third parties
concerned.
(3) Negligence of the Insured is
carrying out his obligation referred to in paragraph 2 above may lessen the
Insured right to acquire compensation from the Insurer.
ARTICLE 15
Incorrect Information by
Insured
The
Insured with the aim to acquire profit from this Policy insurance, who is
intentionally;
(1) Increases the sum of loss
suffered
(2) Hides away the items saved or
remnant of items and declares them as annihilated items;
(3) Is using false documents or
evidence, lies or frauds;
(4) Conducts or has actions
conducted which cause loss or damage insured under this Policy;
(5) Makes a mistake or is
negligent which very much exceeds the limit causing loss/or damage which as a
matter of fact should have been insured under this Policy;
Is
not entitled to receive any compensation.
ARTICLE 16
Lapse of Right On
Indemnification
(1) The right of the Insured to
compensation based on this Policy automatically lapses if the Insured :
(1.1) does not fulfill his
obligation based on this Policy;
(1.2) does not file a claim for
compensation within a period of 12 (twelve) months as of the occurrence of the
loss or damage;
(1.3) does not file an objection or
strive for a solution through legal means within a period of 6 (six) months
after the Insurer notified in writing that the Insured was not entitled to
acquire a compensation.
(2) The right of the Insured on a
larger compensation than has been approved by the Insurer will cease if, within
a period of 3 (three) months after notification in writing by the Insurer, the
Insured does not file an objection or strive for a solution through legal
means.
ARTICLE 17
Actual Value
(1) The actual value of the
insured motor vehicle is the proceeds of sale acquired by the Insured with an
uncompelled sale of the same motor vehicle a moment before occurrence of loss
or damage.
(2) The value of motor vehicle
outfit or equipment/accessories is the purchase price on the free market.
(3) The basis of the value for
replacement of the outfit or equipment which is no longer traded on the free
market, is the price registered at the latest from their factory for
ARTICLE 18
Examination
The
Insurer has the right to any time conduct an examination on the motor vehicle
insured under this Policy.
ARTICLE 19
Termination of the Insurance
(1)
Cancellation of the Policy
The Insurer and the Insured are respectively
entitled to cancel this insurance at any time without obligation to notify the
reasons. Such notification on the
termination is given in writing sent by registered mail by the party who
intends to terminate the insurance to the other party’s latest address known.
The insurer is free from any obligation based on
this policy, 3 (three) working days after the mailing date of the above
notification letter, at 12:00 o’clock local time.
In the event it is the Insured who does the
cancellation, the Insured is obliged to pay for the premium for the passed
period, calculated in accordance with the scale of short term insurance
premium; in case cancellation is by the Insurer, the Insurer is obliged to
return the premium in a prorate way for the insurance period that has not run
yet.
(2)
Transfer of Right of Ownership to Someone else
In the event a motor vehicle and/or an interest
insured is transferred to someone else, either based on an agreement or due to
death of the Insured, then deviating from article 263 of the Commercial Code,
this Policy is automatically null and void 10 (ten) calendar days after the
transfer of ownership to someone else, except if the Insurer agrees to continue
this.
(3)
Occurrence of Total Loss
The Insurance shall also automatically cease after
giving a compensation of the loss based on total loss/damage or which can be
equalized with it without returning the premium although the insurance is for a
long term.
(4)
Cease Insurance Period
The Insurance will also automatically cease after
the ceased insurance period according to this policy.
ARTICLE 20
Arbitration
(1) In the event a dispute or a
disagreement arises between the Insurer and the Insured as a consequence of the
implementation or interpretation of this insurance agreement, and the dispute
and disagreement cannot be settled amicably within a period of 30 (thirty) days
as of the occurrence of loss which became the basis of the dispute and
disagreement, the party concerned has the right to submit the dispute or the
disagreement to the Association of Insurance Companies in Indonesia cq Chairman
of the Sector of Loss Insurance which will form an ad-hoc arbitration
body within a period of maximum 30 (thirty) working days after the application
letter for arbitration has been received by the Secretariat General of the
Association of Insurance Companies in Indonesia.
(2) The ad-hoc Arbitration
Body has a membership of 3 (three) arbitrators, one of whom is a graduate in
law, appointed as chairman also holding the position of a member.
(3)
The two other member (arbitrators) are elected and appointed among
people experienced in the branch of insurance concerned and priority is given
to someone who is no longer active in and as an insurance/re-insurance company,
insurance/re-insurance broker or is an insurance/re-insurance agent.
(4) The arbitrators determine the
arbitration rules and the arbitration fee as well as the parties who are
bearing the arbitration fee.
(5) The arbitration body has the
obligation to resolve the dispute or disagreement within a period of 90
(ninety) calendar days as of the date of its formation.
(6) Resolution by the arbitration
body constitutes a final and binding decision to both parties.
ARTICLE 21
Closing
(1) If difference is found in the
document between the content of this Policy and the one already circulated
through Decision Letter of the Management of the Association of Insurance
Companies in Indonesia to all their members in the Department of Losses,
original of which is filed in the Office of the Secretariat General of the
Association, then the latter mentioned, shall apply.
(2) For matter still
insufficiently or not regulated in this Policy, stipulations in the Commercial
Code and other legislation regulation shall be in force.
POLIS
KENDARAAN BERMOTOR
Yang bertanda-tangan di bawah ini, selanjutnya disebut
Penanggung, menanggung – atas dasar pembayaran premi dari keterangan tertulis
yang merupakan bagian tidak terpisahkan dari polis ini – Kendaraan Bermotor dan
atau kepetingan Tertanggung sebagaimana diuraikan pada ikhtisar Pertanggungan,,
terhadap kerugian yang disebabkan oleh resiko yang disebutkan dan ditegaskan
dalam syarat serta kondisi yang tercetak, dilekatkan dan atau dicantumkan pada
polis ini.
BAB I
RESIKO YANG DIJAMIN
PASAL
I
Kerugian
/ Kerusakan ganti rugi terhadap;
1. Kerugian/kerusakan
Kendaraan bermotor yang dipertanggungkan yang disebabkan oleh;
1.1 Tabrakan, benturan, tergelincir dari jalan,
termasuk juga akibat dari kesalahan maerial, konstruksi, cacat sendiri atau
sebab-sebab lainnya dari Kendaraan Bermotor bersangkutan
1.2.
Perbuatan
jahat orang, kecuali; orang itu termasuk suami/istri dan anak Tertanggung,
bekerja pada Tertanggung, menggunakan Kendaraan Bermotor itu dengan izin
Tertanggung atau bertindak sepengetahuan seseorang yang bekerja pada
Tertanggung
1.3.
Pencurian
termasuk pencurian yang didahului/disertai/diikuti dengan kekerasan ataupun
ancaman dengan kekerasan kepada orang (perampokan) dengan tujuan mempermudah
pencurian kendaraan bermotor/alat perlengkapan
kendaraan bermotor yang ikut dipertanggungkan dalam polis ini
1.4.
Kebakaran
termasuk, kebakaran benda/kendaraan bermotor lain yang berdekatan atau tempat
penyimpanan Kendaraan Bermotor yang dipertanggungkan, yaitu kerusakan atau
kerugian Kendaraan Bermotor atau kepentingan yang dipertanggungkan karena
kebakaran dan atau alat-alat lain yang dipergunakan untuk menahan atau
memadamkan kebakaran , demikian juga kerugian/kerusakan yang disebabkan oleh
dimusnahkannya seluruh atau sebagian Kendaraan Bermotor dan atau kepetingan
yang dipertanggungkan atau perintah yang berwengang dalam upaya pencegahan
menjalarnya kebakaran itu
2.
Kerugian/kerusakan
disebabkan oleh peristiwa yang tersebut dalam Bab I, Pasal 1, ayat 1 butir
(1.1), (1.2), (1.3), dan (1.4) selama
pengangkutan penyebrangan dengan feri/alat penyebarangan resmi
3.
Kerusakan
roda yang diikuti oleh kerusakan/kerugian Kendaraan Bermotor itu yang
disebabkan oleh kecelakaan
4.
Biaya
yang wajar yang dikeluarkan oleh Tertanggung untuk penjagaan atau pengangkutan
ke bengkel/tempat lain guna menghindari atau mengurangi kerugian atau kerusakan
yang dijamin dalam polis, setinggi-tingginya biaya tersebut sebesar setengah
persen (0.50%) dari jumlah pertanggungan, tanpa diperhitungkan dengan Resiko
Sendiri.
PASAL 2
Tanggung Gugat
(Tanggung Jawab Hukum Terhadap Pihak Ketiga)
Penganggung memberikan pengaantian terhadap;
1.
Kerugian
yang dialami oleh pihak ketiga yang secara langsung disebabkan oleh Kendaraan
Bermotor yang dipertanggungkan baik yang diselesaikan melalui musyawarah maupun
melalui Pengadilan setelah mendapat persetujuan Penanggung, yang meliputi
kerugian-kerugian sebagi berikut;
1.1 Kerusakan
atas harta benda/kepentingan atau Kendaraan Bermotor, yang belum menjadi
pemilik atau dalam pengawasan
1.2 Cidera
Badan/Kematian, kecuali cidera badan/kematian terhadap;
1.2.1
Kecuali
penumpang di dalam kendaraan bermotor yang dipertanggungkan
1.2.2
Suami/istri atau anak Tertanggung apabila Tertanggung
adalah perorangan
1.2.3
Pemegang saham atau pengurus apabila Tertanggung
adalah Badan Hukum
1.2.4
Orang yang bekerja pada Tertanggung yang menerima
imbalan jasa
2. Biaya
perkara atau biaya bantuan para ahli yang berkaitan dengan tanggung-gugat
Tertanggung dengan syarat bahwa Penanggung telah terlebih dahulu memberikan
persetujuan tertulis atas pengeluaran biaya tersebut.
BAB II
RESIKO YANG TIDAK DIJAMIN
PASAL
3
1. Penganggung
tidak memberikan ganti rugi terhadap atau akibat
1.1 Kehilangan,
keuntungan, kehilangan upah, berkurangnya nilai, kerugian keuangan lainnya yang
diderita Tertanggung sebagai akibat tidak dapat dipergunakannya kendaraan
bermotor tersebut karena suatu kecelakaan atau sebab lain
1.2 Pencurian
peralatan tambahan yang disebutkan di dalam ikhtisar ini
1.3 Penggelapan
menurut ketentuan perudangan
2. Kerugian/kerusakan
Kendaraan Bermotor yang disebabkan oleh karena;;
2.1 Kendaraan
Bermotor tersebut dipergunakan untuk menarik/mendorong kendaraan lain, untuk
turut serta dalam perlombaan kecakapan atau perlombaan kecepatan, untuk memberi
pelajaran mengemudi kendaraan bermotor, menarik suatu trailer, untuk
karnaval/pawai, atau dipergunakan untuk melakukan tindak kejahatan, atau jika Kendaraan Bermotor tersebut dipakai
untuk sesuatu maksud lain dari pada yang ditetapkan di dalam polis ini
2.2 Kelebihan
muatan atau dijalankan secara paksa
2.3 Kendaraan
Bermotor tersebut, dengan sepengetahuan Tertanggung, dijalankan dalam keadaan
rusak atau kendaraan dalam keadaan tidak dapat dipertanggung-jawabkan secara
teknis, termasuk sesaat setelah terjadi kecelakaan
2.4 Kendaraan
bermotor tersebut dikemudikan oleh seseorang yang pada saat terjadinya
kecelakaan tidak memiliki SIM yang sah atau yang oleh seorang yang berada di
bawah pengaruh minuman keras atau sesuatu bahan lain yang memabukkan
2.5 Gempa
bumi, letusan gunung berapi, angin topan, badai, banjir genangan air atau
gejala geologi/meteorologi lainnya, kecuali sambaran petir
2.6 Memasuki/melewati
jalan tertutup atau terlarang untuk kendaraan bermotor atau yang tidak
diperuntukkan baginya
2.7 Perang,
penyerbuan, aksi musuh asing, permusuhan atau kegiatan yang menyerupai suasana
perang (baik dengan pernyataan maupun tidak), perang saudara, pemberontakkan,
pergolakan sipil (huru-hara) yang dianggap merupakan bagian atau menjurus pada
pemberontakkan umu, pemberontakkan militer, pengacauan, terorisme, penggunaan
kekerasan, revolusi, penggunaan kekuatan militer atau pengambil-alihan
kekuasaan atau perbuatan seseorang yang bertindak atas nama atau sehubungan
dengan suatu organisasi dengan kegiatan-kegiatan yang bertujuan menggulingkan
dengan kekerasan Pemerintah yang sah “de jure” atau “de facto”
2.8 Kerusuhan,
pemogokan atau gangguan ketertiban umum dan semacamnya
2.9 Barang-barang
yang sedang dimuat, ditumpuk, dibongkar, atau diangkut dengan kendaraan
bermotor tersebut
2.10 Getaran
atau berat Kendaraan Bermotor/muatannya termasuk yang ditimbulkan terhadap;
jalan, jembatan, konstruksi dan bangunan-bangunan yang terdapat di bawah, di
atas dan di samping jalan
2.11 Kesalahan
pada konstruksi atau material, aus, cacat sendiri atau sebab interen lainnya
pada bagian itu ataupun pada mesinnya
2.12 Reaksi/radiasi
nuklir, termasuk tetapi tidak terbatas pada, ionisasi, fusi, fisi atau
pencemaran radio aktif, tanpa memandang apakah itu terjadi di dalam atau di
luar Kendaraan Bermotor dan atau kepentingan yang dipertanggungkan
BAB III
SYARAT-SYARAT POLIS
PASAL IV
DAERAH
Pertanggungan
ini semata-mata berlaku di dalam wilayah Negara Republik
PASAL 5
PEMBAYARAN PREMI
Kecuali
diperjanjikan lain maka uang premi harus dibayar lunas terlebih dahulu.
Jika
premi tidak dibayar dalam waktu 10 (sepuluh) hari tehitung mulai tanggal
permulaan pertanggungan atau tanggal perpanjangan pertanggungan, berlakunya
pertanggungan ini ditunda oleh Penanggung tanpa pemberitahuan terlebih dahulu
dan jika terjadi sesuatu kergian/kerusakan Teranggung tidak berhak atas suatu
penggantian kerugian. Penundaan tersebut akan berakhir 24 jam sesudah premi
diterima oleh Penanggung atau Pertanggungan ini menjadi batal demi hukum
apabila premi tidak dibayar setelah lewat 90 (sembilan puluh) hari kalender
terhitung mulai tanggal mulai berlakunya pertanggungan. Atas pembatalan ini
Penanggung berhak atas premi untuk jangka waku yang sudah berjalan sebesar 40%
dari premi setahun.
PASAL 6
PEMBERITAHUAN KERUGIAN
1.
Tertanggung diwajibkan memberitahukan kerugian
yang menimpanya kepada Penanggung sesegera mungkin, paling lambat dalam waktu 3
(tiga) hari kerja setelah terjadinya kerugian/kerusakan tersebut
2.
Segala pemberitahuan mengenai pertanggungan
ini harus diajukan secara tertulis pada kantor atau agen Penanggung yang
berhubungan dengan Tertanggung
3.
Khusus untuk kerugian total akibat pencurian
diwajibkan melapor kepada Kapolda setempat.
PASAL 7
TINDAKAN TERHADAP PIHAK
KETIGA
Tertanggung
diwajibkan dalam hal pencurian atau kerusakan Kendaraan Bermotor oleh pihak
ketiga yang dapar dijadikan dasar untuk penuntutan penggantian kerugian,
memberithukannya dengan segera kepada polisi setempat dan dengan persetujuan
Penanggung mengusahakan supaya yang bersalah itu mendapat hukuman
PASAL 8
TUNTUTAN PIHAK YANG
DIRUGIKAN
Apabila
Tertanggung dituntut oleh pihak ketiga sehubungan dengan kerugian atau
kerusakan yang disebabkan oleh kendaraan bermotor yang dipertanggungkan
tersebut maka;
1.
Tertanggung wajib memberitahukan tuntutan
tersebut dalam waktu selambat-lambatnya 3 (tiga) hari kerja sejak tuntutan
tersebut diterima
2.
Tertanggung segera menyerahkan dokumen
sehubungan dengan tuntutan pihak ketiga tersebut
3.
Tertanggung tidak diperbolehkan memberikan
janji, keterangan atau melakukan tindakan yang mungkin menimbulkan kesan bahwa
ia mengakui tanggung-gugatnya
4.
Tertanggung mengusahakan kepada Penanggung
untuk mengurus sendiri tuntutan ganti rugi pihak ketiga dan apabila diperlukan,
Tertanggung diwajibkan memberikan
PASAL 9
TUNTUTAN PIDANA
TERHADAP Tertanggung
Apabila
terhadap Tertanggung dilakukan tuntutan pidana sehubungan dengan kerugian yang
diderita oleh pihak ketiga yang mungkin harus dipikul oleh Penanggung maka
Tertanggung diwajibkan memberitahukan hal tersebut kepada Penanggung paling
lambat dalam 3 (tiga) hari kerja
Jika
dipandang perlu Penanggung berhak untuk menunjuk Penasihat Hukum dan dalam hal
demikian, Tertanggung wajib menggunakannya dalam perkaranya. Biaya bantuan
demikian itu menjadi tanggungan penanggung
PASAL 10
GANTI-RUGI ATAS
KERUSAKAN KENDARAAN BERMOTOR
Terhadap
setiap kerugian/kerusakan kendaraan bermotor, Penanggung akan menggati kerugian
berdasarkan harga sebenarnya sesaat sebelum terjadinya kerugian,
setinggi-tingginya sebesar jumlah pertanggungan setelah dikurangi resiko
sendiri dengan ketentuan sebagai berikut;
1.
Tertanggung wajib memberikan kesempatan kepada
Penanggung untuk memeriksa kerusakan sebelum dilakukan perbaikan/pergantian
atas Kendaraan Bermaksud
2.
Penanggung berhak menentukan pilihannya untuk
memperbaiki di Bengkel yang ditunjuk/disetujuinya, mengganti dengan Kendaraan
Bemotor yang sama atau mengganti dengan uang
3.
Tertanggung berhak mengajukan ketidakpuasannya
secara tertulis atas hasil perbaikan kendaraan bermotor dimaksud oleh bengkel
dalam batas waktu 14 hari kalender sejak selesai diperbaiki dan diserah
terimakan kepada Tertanggung apabila bengkel tersebut ditunjuk oleh Penanggung
Dalam
melaksanakan ganti rugi Penanggung akan memperhitungkan dengan premi yang masih
terhitung untuk masa pertanggungan yang masih berjalan atas Kendaraan Bermotor
tersebut
PASAL 11
PERTANGGUNGAN DI BAWAH
HARGA
Jika
Kendaraan Bermotor yang dipertanggungkan pada saat terjadinya kerugian atau
kerusakan oleh suatu bahaya yang dijamin dalam pertanggungan Kendaraan Bermotor
tersebut lebih besar daripada harga pertanggungan, maka Penanggung akan
menggantinya menurut hitungan dari bagian yang dipertanggungkan terhadap bagian
yang tidak dipertanggungkan seperti diatur dalam pasal 253 ayat 1 KUHD
PASAL 13
TINDAKAN-TINDAKAN
PENCEGAHAN
Tertanggung
wajib melakukan segala usaha yang patut guna menjaga dan memelihara kebaikan
kndaraan bermotor itu. Bila terjadi suatu kecelakaan atau kerusakan kendaraan
bermotor, kendaraan dimaksud tidak boleh ditinggalkan tanpa pengamanan yang
layak guna menghindari kerusakan/kerugian selanjutnya.
Jika
kendaraan bermotor itu dipergunakan sebelum perbaikan itu sesuai, maka segala
kerusakan/kerugian dan tanggung-jawab selanjutnya menjadi tanggung-jawab
Tertanggung.
PASAL 13
SUBROGASI
1.
Sesuai dengan Pasal 284 Kitab Undang-Undang
Hukum Dagang, setelah pembayaran ganti rugi atas Kendaraan Bermotor dan atau
kepentingan yang dipertanggungkan dalam Polis ini, Penanggung menggantikan Tertanggung dalam
segala hal yang diperolehnya terhadap pihak ketiga sehubungan dengan kerugian
tersebut. Hak Subrogasi termaksud dalam ayat ini berlaku dengan sendirinya
tanpa memerlukan suatu
2.
Tertanggung tetap bertanggung jawab atas
setiap perbuatan yang mungkin dapat merugikan hak Penanggung terhadap pihak
ketiga tersebut
3.
Kelalaian Tertanggung dalam melaksanakan
kewajiban tersebut pada ayat 2 di atas dapat menghilangkan atau mengurangi hak
Tertanggung untuk mendapatkan ganti-rugi.
PASAL 14
LAPORAN TIDAK BENAR
Tertanggung
yang bertujuan memperoleh keuntungan dari jaminan Polis ini yang dengan
sengaja;
1.
Memperbesar jumlah kerugian yang diderita
2.
Menyembunuyikan barang-barang yang
terselamatkan atau barang-barang sisanya dan menyatakan sebagai barang-barang
yang musnah
3.
Mempergunakan
4.
Melakukan atau menyuruh melakukan
tindakan-tindakan yang menimbulkan kerugian atau kerusakan yang dijamin Polis
ini
5.
Melakukan kesalahan atau kelalaian yang sangat
melampaui batas sehingga menimbulkan kerugian dan atas kerusakan yang dijamin
Polis ini
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