Contoh Polis Asuransi Pengangkutan dengan Terms yang Kompetitif

Untuk konsumen yang tidak terlalu mengerti soal asuransi pengangkutan  dan tidak menggunakan agen atau broker, kadang kala perusahaan asuransi menggunakan terms standar tanpa tambahan extension clause yang menguntungkan konsumen. Dengan menggunakan terms yang bagus, Anda sudah tidak butuh agen atau broker lagi. Dengan demikian, Anda bisa minta diskon 15% - 25% untuk shipment Anda.

Berikut ini adalah contoh terms yang memberikan benefit lebih untuk Anda sebagai konsumen yang membutuhkan asuransi pengangkutan (tinggal copy paste dan diisi sesuai kebutuhan Anda):


Type of Insurance : Marine Cargo;
Form : MAR 91

General Information of The Insured

The Insured : PT. ABC
From : Surabaya, Indonesia
To : India
Conveyance : As per Described below

Terms and Conditions of Cover on Terms and Conditions of Cover

Interest Insured :  Goods and/or merchandise related to the insureds trade or business, including but not limited to "Gerbong Kereta" with Spare Parts (Brand new) with detail as per detail attached. Sum Insured : USD 100.000.000,00 + 10% = USD 110.000.000,00

SHIPMENT CONFIGURATION :
  • Shipment 1: USD 30,000,000 
  • Shipment 2 : USD 50,000,000
  • Shipment 3 : USD 30,000,000

CONVEYANCE:

Sea Conveyance : Classed steel propelled vessel maximum 35 years as per
Institute Classification Clause 01.01.01 amended to include BKI
Classification and unclassed steel propelled vessel maximum 25 years.
Land Conveyance : Land Transportation or Land Connection transit:

Minimum four­wheeled vehicle including any type of trucks, minivan box, trains set on rails, public ferry/Ro­Ro/Regular Liner as connecting conveyance and/or crane, forklift and other equipment normally used in loading unloading process.

VOYAGE: At and from anywhere warehouse or Places in the World to anywhere warehouse or Places in the World in the World including triangle trade (multimodal transportations), Domestic Transits, Transhipment, Intermediate storage during its ordinary course of transit prior to destination.

Please refer to the VOYAGE CLAUSE as follow:
The insurance hereunder attaches from the time the subject­matter becomes at the Assured's risk or the Assured assumes interest or begins its first movement or loading into the carrying conveyancefor the commencement of transit and continues whilst the subject­matter is in transit and/or in store or elsewhere and further including any interest held for the purpose of consolidation and/or deconsolidation whether incidental to transit or otherwise until delivered to the intended final destination and/or when the Assured's responsibility ceases and/or on delivery to the consignee's or other final warehouse at the place where the transit covered hereunder is intended to cease.

Including risks during transhipment, aircraft and barge risks, whether customary or otherwise.

Also including loss of or damage to the subject­matter during loading (including lifting or hoisting as required) prior to dispatch (including into containers, trailers , rail cars) and continuing thereafter while they await the commencement of the transit and unloading after arrival (including into containers, trailers, rail cars) at the Assured's or Consignee's premises and, in the case of containers, during the stuffing and unstuffing thereof including Containers and/or Contents where covered hereunder.

Coverages:
­- Institute Cargo Clause (A) 1/1/82;
- Institute Malicious Damage Clause 1/8/82 (CL. 266);
- Institute Marine Policy General Provisions (Cargo) 1/10/82;
- Institute Replacement Clause 1/1/34 (CL. 161); Applicable for brand new goods machinery, amended indemnity by replacement only (not repair) subject to salvage must be given to insurance for recovery;
- Institute Strike Clause (Cargo) 1/1/82 (CL. 256);
- Institute Theft, Pilferage and Non Delivery Clause (TPND) 1/12/82 (CL. 272);
- Institute War Clause (sendings by Post) 1/1/82 (CL. 257);
- Institute War Clauses (Cargo) 1/1/82 (CL. 255);
- Including the risk of loading, unloading, lifting and/or hoisting;
- Including the risk of transshipment, any intermediate storage during its ordinary course of transit prior to destination (60 days);
- Including the risk of Hijack, Robbery, Looting, and Piracy Risk;
- Including the risk of Terrorism, Vandalism, Sabotage or Malicious act;
- Including cover assembling and dismantling process.

Standard Exclusions :
­- General Exclusion for Marine Cargo Insurance;
- Unseaworthiness and Unfitness Exclusion;

Conditions :
­ Basis of Sum Insured; CIF plus 10% or freight cost or GST (Government Service Tax).
- Series of Losses; All claims for loss, damage or expense resulting from any one occurrence or series of occurrence arising out of any event shall be deemed caused by a single accident and adjusted as one claim.
- Condition of Goods; Brand New
- Fast Track Claim; No survey if loss below USD 5,000
- Loading and Unloading; It is hereby noted and agreed that Loading and unloading extension coverage is under all risk basis.

Deductibles :
­- Cargo; 0.5% of Total Sum Insured.
- General Average and/or Total Loss; NIL

Clauses :
1. Admitted Period as of when Premium is Received;
2. Brand Clause;
3. Claim Procedure Clause;
4. Consent of the insured Clause;
5. Container Clause;
6. Container Demurrage Charges Clause;
7. Conveyance Clause; Please refer to the CONVEYANCE section above
8. Currency Clause;
9. Error & Omission Clause; in respect of Declaration only
10. Exchange Rate Clause;
11. Forwarding Etc. Expenses Clause; Maximum USD 10,000
12. General Average Clause; Contribution is payable in full and insured for full contributory value
13. Governing Language;
14. Insolvency Exclusion Clause; Applicable for ICC A 1/1/82 (CL. 252)
15. Institute Cyber Attack Exclusion Clause 10.11.03;
16. Institute Radioactive, Contamination, Chemical, Biological, Biochemical Electromagnetic Weapons Exclusion Clause 10.11.0;
17. Jurisdiction Clause; Republic of Indonesia
18. Loading and Unloading Clause (Marine);
19. Loss Notification Clause; 30 Days
20. Memorandum Dispute 'C' Clause;
21. Nominated Independent Marine Surveyor Clause; PT. Global Internusa Marine Surveying
22. Nominated Loss Adjuster Clause; PT. Global Internusa Adjusting and/or PT. Radita Hutama Internusa.
23. Packing Clause;
24. Pair and Set Clause;
25. Payment On Account Clause; Maximum 25% as per Adjuster recommendation and policy liability
26. Removal of Debris Clause; Maximum 10% of Total Sum Insured
27. Replacement by Air Clause; Maximum 10% of Total Sum Insured
28. Sanction Exclusion Clause;
29. Termination of Transit Clause;
30. Voyage Clause; As defined by the Voyage Clause above
31. Waiver of Subrogation; Against The Insured and subsidiaries only
32. Warehouse to Warehouse Extension Clause; As defined by the Voyage Clause above

Additional Conditions :

­ Exclusions:

  • ­Excluding rusting, oxidation, bend, dent, scratching, discoloration, electrical and mechanical derangement unless caused by insured perils
  • ­Excluding pre existing damage Excluding Project Cargo Shipment
  • ­Excluding testing and commissioning activities

Subjectivities:
- Safety and proper lashing during shipment and/or loading and unloading
-­ For shipment with TSI above USD 2.500.000 must be Surveyed by PT CDE
- Surveying and survey fee will borne by The Insured.

Rate : 0.055% per shipment


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