Engineering Insurance gives protection to users or owners of production machineries and utilities, electronic equipment, owners and contractors of construction and also installation projects.

CHOICE OF INSURANCE

• Contractor’s All Risk (CAR)
  Insurance for building, road, and bridge construction projects.
• Erection All Risk (EAR)
  Insurance for machineries installation project.
• Machinery Breakdown (MB)
  Insurance for various kinds of machineries and utility equipment during operation time.
• Electronic Equipment Insurance (EEI)
  Insurance for various kinds of electronic equipment.

INSURANCE COVERAGE

• CAR
  Contractor’s All Risk is an insurance cover, which gives full protection against loss or damage that might be experienced by a construction project, including claim from other party which experiences loss caused by the project.
• EAR
  Erection All Risk is an insurance cover, which gives full protection against almost all losses and damages that might be happened during installation of machineries, including claim from other party which experiences loss caused by the installation activity.
• MB
  Machinery Breakdown is an insurance cover, which is full and effective for industry machineries, either when the machines are operating during treatment or when they are not. 
• EEI
  Electronic Equipment Insurance covers electronic equipment against loss or damage which might occur suddenly and unexpectedly.

COST/INSURANCE PREMIUM

• Premium amount that will be applied to you is multiplication result of:
• PREMIUM RATE X TOTAL AMOUNT OF INSURANCE VALUE
• Premium Rate of Engineering Insurance will be in a scale of per mile (per thousand), which is determined by type of risk.

THE PARTY WHO IS ENTITLED TO INSURE:

• Owner
• Creditor (such as Bank, Leasing Company)
• Other party who has a right/power or asset based on a contract or law (such as: lessee, owner’s attorney)

THE EASE FOR YOU

• Currently there are 70 branches of Asuransi Wahana Tata, which locations are spread in many big cities, which enable us to reach and serve you faster in covering Insurance up to handling claims.
• Website facility, which eases you in requesting offers for your insurance plan with no limitation of time and place.
• Premium payment facility by credit card and Virtual Account.

For further information please contact our nearest branch/marketing office.

Asuransi Rangka Kapal adalah asuransi yang memberikan jaminan atas kerusakan maupun kehilangan pada bagian (rangka / lambung kapal) yang biasa dikenal dengan hull dan mesin kapal.

Objek Tertanggung

• Asuransi Rangka Kapal : hull dan mesin atau peralatan kapal

• ¾ Tanggung jawab hukum tabrakan kapal : jaminan terhadap klaim atau kewajiban apa pun dari pihak ketiga yang disebabkan oleh tabrakan kapal.

• Total rata-rata : jaminan kontribusi terhadap rata-rata biaya umum ketika sebuah kecelakaan terjadi pada kapal

Cakupan Kebijakan

Institute Clause Hulls 1/10/83 Cl.280, Jaminan Asuransi hull dan mesin kapal :

• Bahaya laut seperti cuaca buruk, tenggelam, tabrakan dll

• Kebakaran dan ledakan

• Pencurian dengan tindak kekerasan oleh orang dari luar kapal

• Pembuangan ke laut

• Perompakan

• Kecelakaan pada instalasi nuklir atau reaktor (pada kapal)

• Tabrakan dengan pesawat udara atau benda angkasa lainnya, alat transportasi darat, dock, peralatan pelabuhan dll

• Gempa bumi, letusan gunung berapi, dan sambaran petir

• Kecelakaan akibat loading dan unloading kargo atau bahan bakar

• Meledaknya boiler kapal atau kerusakan yang tersembunyi pada hull dan mesin kapal

• Kelalaian kapten, nahkoda maupun awak kapal

• Kelalaian jasa perbaikan yang tidak memiliki jaminan

• Pemberontakan atau pengambilan paksa oleh kapten, nahkoda, maupun awak terhadap kapal

• Tindakan pihak berwenang dalam mencegah atau mengurangi dampak polusi

• Biaya-biaya penyelamatan
  
  

Kerusakan Total Saja / Total Loss Only :

• Institute Clause Hulls 1/10/83 Cl. 289 (mencakup biaya penyelamatan, gugatan dan tenaga kerja)

• Institute Clause Hulls 1/10/83 Cl. 284 total rata-rata dan ¾ tanggung jawab hukum (mencakup biaya penyelamatan, gugatan dan tenaga kerja)

Kerugian Total Sebenarnya :

• Kapal tersebut tenggelam, hancur, terbakar dan hilang

Kerugian Total Konstruksi :

• Kapal mengalami kerugian dan biaya perbaikan atau biaya pemulihan melebihi uang pertanggungan
  
  
  

• Brosur Produk 

Property insurance for dwelling house & apartment

General requirements

1. For building consruction class 1 (walls, floor and all structural support components including the roof which all made from materials that are not flammable).
2. Maximum total sum insured of Rp 5 billion.
3. Located in the territory of Republic of Indonesia

CoVERAGE

STANDARD COVERAGE

1. FLEXAS: Protection against the risk of fire, lightning, explotion, falling of aircraft, and smoke
2. RSMD CC 4.1B/ 007: Protection against riot, strike, malicious damage, and civil commotion
3. Burglary: Protection against any burglary which were accompanied by any signs of forced entry to movable items (laptop, tablet, mobile phone) at the location
4. Protection against any damage caused by any unforeseen events

Additional benefits

1. Cost of temporary accomodations
2. Public liability
3. Personal accidents which resulting to the death of the insured/spouse/children (in the location of the insured)
4. Medical expenses due to the accident in the location for the insured/spouse/children
5. Medical expenses due to the accident for the family member of the insured and guest

Additional coverage (with additional premium)

1. EQVET: Protection against earthquake, volcanic eruption, and tsunami (vaild for special regions)
2. TSFWD: Protection against typhoon, storm, flood, and water damage (valid for special regions)

Asuransi Wahana Tata Fire Insurance (Asuransi kebakaran) is the right choice when you need protection for your assets in the form of buildings and its contents, against any accidents that can occur suddenly and unexpectedly.

OTHER PROPERTY INSURANCE

COVERAGE

• Fire.
• Lightning strikes.
• Explosion due to pressure of steam, gas or chemical explosions.
• Impact of Aircraft or objects falling from aircraft.

Property insurance from Aswata is the right choice to protect your buildings and properties. Please contact our nearest office for Other Property Insurance.

SUM INSURED

Sum Insured is the value of the property that you are insured, and you are entitled to fully determine the amount.

How to determine the Sum Insured

• The calculation of sound insured value is the "present value" of the insured property, not the market value relating to the location, uniqueness or artistic value. The value of land is not calculated to determine the sum insured of a property.
• Propose a Sum Insured as close as possible to the "sound value" of the property you want insured. If the Sum Insured is less than "sound value" you are in a state of "underinsured" which would reduce the amount of the claim settlement. However, if the Sum Insured is higher, you are in a state of "overinsured" that would not increase the claim settlement amount.
• You can apply for Sum Insured on the basis of "Reinstatement Value" of the insured property by special terms and conditions.  You may ask for an explanation from our officers on the conditions.

COSTS / INSURANCE PREMIUMS

Total premiums charged to you is the multiplication of:

• PREMIUM RATE X TOTAL SUM INSURED
• Fire Insurance Premium Rates in scale PER MIL (per thousand), which is determined by the area / type of risk that the desired and characteristics use of the property covered by insurance.

WHO IS ENTITLED TO INSURE

• Owner
• Creditors (eg, Banks, Finance Companies / Leasing)
• Others  who have the right of / authorization or a property based on contract or law (eg tenant, authority the owner)

YOUR PRIVILEGE

• Asuransi Wahana Tata currently has 70 branches and representative offices throughout Indonesia which allows us to reach you faster and serve your insurance claims closer.
• Website facility that enables you to have your insurance plan at any time and any place
• Credit Card payment facility.

All of the above are general description; information in details shall be written as the terms and conditions in the policy

Aswata offers you flexibility to choose insurance coverage for your car. You are free to choose any basic coverage and any additional coverage based on your need.

basic coverage:

1. Only for personal/office use and not for commercial
2. Maximum age of the car is 10 years for comprehensive coverage and maximum 15 years for Total Loss Only coverage

basic coverage selections:

1. Comprehensive coverage: Protect against loss and any damage that caused by: collision, slip, theft, fire, or any other caused which covered by PSAKBI
2. Total Loss Only coverage: Protect against the risk of loss or damage which the repairement cost exceeds 75% of total sum insured

additional coverage selections*:

1. Coverage against the risks of strikes, riots, and civil commotions (SRCC).
2. Coverage against the risk of flood.
3. Coverage against the risk of earthquake
4. Third party legal liability
5. Personal accident for the car driver and passangers

*with additional premium

special offer for bca credit card holders

For BCA Credit card holders, enjoy 3 or 6 months premium payment installment facility with 0% interest if you buy our car insurance product and arrange the premium payment DIRECT in our marketing office in: Bandarlampung, Bandung, Bekasi, Bogor, Cirebon, Denpasar, Jakarta Kayu Putih, Jakarta Pondok Indah, Jakarta Puri Kembangan, Jakarta Rasuna Said, Jakarta Senen, Jakarta Tanah Abang, Jambi, Jember, Makasar, Manado, Medan, Palembang, Semarang, Surabaya Tunjungan, Surakarta, Tangerang, Tasikmalaya and Yogyakarta.

Please contact our nearest office for other Motor Vehicle Insurance coverage/products.

INSURANCE VALUE

• Insurance value is the Insurance Value of vehicle and will become the limit of claim compensation right.
• Basic Insurance-Vehicle Physical
• In accordance with the vehicle value/market price when it is insured.
• In accordance with value/equipment price/additional accessories which is intended to be insured.

If the Insurance Value of your physical vehicle is below the market price, then you will be in an “underinsured” condition, which may cause the decrease to your claim compensation right proportionally. However, if the insurance value is over the vehicle Market Price, then you will be in an “overinsured” condition, which may not increase your compensation right (claim).

ADDITIONAL INSURANCE

Determine the insurance value in accordance with your needs and wants.

COST/INSURANCE PREMIUM

Premium amount that will be applied to you is multiplication result of:

• PREMIUM RATE X INSURANCE VALUE
• Premium rate of Vehicle Insurance will be in a scale which is determined by type of vehicle and the insurance coverage preferred.

THE PARTY WHO IS ENTITLED TO INSURE:

• Owner
• Creditor (such as Bank, Leasing Company)
• Other party who has a right/power on an asset based on a contract or regulation (such as: lessee, owner’s attorney).

THE EASE FOR YOU

• Currently there are 70 branches of Asuransi Wahana Tata, which locations are spread in many big cities, which enable us to reach and serve you faster in covering Insurance up to handling claims.
• Website facility, which eases you in requesting offers for your insurance plan with no limitation of time and place.
• Premium payment facility by credit card and Virtual Account.
• Associated workshops network, which have been widely spread, with quality controlled.

For further information please contact our nearest branch/marketing office.

Marine Cargo Insurance is an insurance product which provides protection to cargo which is transported via road, sea or air. 

The freight insurance is intended for the cargo owner, either individual, institution or company, who needs protection for their cargo. Either the freight is performed by using their own vehicle or by using freight service company.

SELECTION OF INSURANCE

• Institute Cargo Clause A (ICC A)
  Cover all loss except the risks that are “excluded”, including General Average and Salvage costs, and liability on Both to Blame Collision.
• Institute Cargo Clause B (ICC B),
  Cover risks of fire, explosion, aground, sinking, stranded, flip over, collision, demolition, earthquake, volcano eruption, lightning strike, rescue action, influx of seawater, total loss per packing, general average and salvage costs, liability on Both to Blame Collision.
• Institute Cargo Clause C (ICC C),
  Cover risks of fire, aground, sinking, stranded, flip over, collision with other object, demolition, general average, and salvage costs, liability Both to Blame Collision.

Selection of Additional Insurance (optional) such as:

• Institute Strike Clause
  Insurance against any risks of strike, deterrence work/worker, labor disturbance, riot, civil insurrection, terrorism, political action, general average and salvage costs.
• Institute War Clause
  Insurance against any risks of war, civil war, rebellion, violent act from and or against the authority, arrest, takeover, detention related to the abovementioned risks, mine, torpedo, bomb or lagged war weapons, general average and salvage costs for the loss caused by the abovementioned risks. SUM INSUREDSum insured is the Value of every insured asset based on the Invoice and or market price..

Sum insured composition:

• Cost/Price
• Freight cost 
• Insurance premium (optional).
• Profit estimation (optional – generally 10% of the Price).

INSURANCE PREMIUM/COST

Total Premium that will be charged to you is the multiplication result of: 

• PREMIUM TARIFF X TOTAL AMOUNT OF SUM INSURED
• Freight Insurance Premium tariff shall be determined by scope/type of risks selected and natural use of the insured asset. 

FOR YOUR CONVENIENCE

• Currently there are 70 Asuransi Wahana Tata’s networks located in many big cities, which enable us to reach and serve you faster for insurance coverage up to handling claim. 
• Unlimited access to our website which ease you to query about the quote for your insurance plan. 
• Premium payment facility by using Credit Card and Virtual Account.

For more information please contact our nearest Branch/Marketing Office.