Q: What is Money Insurance ?
A: Insurance money is insurance that guarantees the insured loss of money and loss, damage and liability of the deposit box, vault, or a carrying case specially designed to carry any money because of the risks, but the risks are excluded.
Q: What type of money insurance ?
A: This type of insurance money that includes: - Money in storage. - Money for delivery / transit.
Q: What things are excluded ?
A: The things that are excluded are: - Robbery, theft, fraud, cheating or collusion by any employee or agent of the insured. - Damage that has been insured by the policy / policy-the policy except with respect to the excess of the amount that should have been borne by the policy / policy-such other policy. - Arises as a result of administrative or accounting errors, omissions and depreciation. - Occurs elsewhere, other than in a Geographic Regions defined in the policy. - Loss or damage caused by ionizing radiation or contamination radioactivity from any nuclear fuel or from any nuclear waste from occurring elsewhere in Geographic Regions defined in the policy.
Q: Is Money Insurance can be expanded?
A: Money Insurance can be expanded as follows: - Fidelity guarantee. - Burglary / Burglary.
Tip Perlindungan Konsumen
Q: Dalam memilih dan menggunakan produk dan jasa dari suatu Lembaga Jasa Keuangan (LJK), apa yang wajib diperhatikan oleh konsumen?
A: 1. Meneliti terlebih dahulu profil LJK yang menawarkan produk atau jasanya, apakah yang bersangkutan telah mendapatkan izin usaha atau terdaftar di OJK. 2. Meneliti apakah produk atau jasa yang ditawarkan sudah mendapatkan izin atau terdaftar di OJK. 3. Membaca dengan seksama setiap informasi atau kontrak yang berkaitan dengan produk atau jasa yang ditawarkan LJK dan meminta penjelasan jika diperlukan sehingga segala hal dapat dipahami secara jelas sebelum membeli atau menandatangani kontrak/perjanjian. 4. Perusahaan (LJK) wajib memberikan salinan kontrak/perjanjian kepada konsumen. 5. Bersikap waspada terhadap tawaran atau iklan yang menggiurkan dan menjanjikan imbal hasil yang jauh dari kelaziman dan segera melaporkan atau mengadukan kep perusahaan (LJK) tersebut jika terjadi permasalahan yang berkaitan dengan produk atau jasa yang telah digunakan konsumen.
Q: What's Liability Insurance ?
A: Liability insurance is insurance that covers loss of material due to liability to the other party to pay compensation for physical injury or of damage to property of others due to or due to the negligence of the insured or the insured employees, including costs incurred to defend, apart from the things that excluded.
Q: What things are excluded ?
A: - The risks caused by matters relating to the element of intent - War, terrorism and unrest - The things that are related to the demands of the penalty and punishment - Product liability, including product recall - Completed work operation - Radioactive - Workmen's compensation and employers liability - Asbestos - Automobile liability - Aircraft and Watercraft liability - Professional liability - Property in the custody or possession of the insured element
Q: Is Liability Insurance can be expanded ?
A: This insurance can be expanded with an additional premium, such insurance: - Riots, Strikes, Riot and Evil Deeds - Car Park - Casual Contractors - Cross Liability - Defective Sanitation - Employers Sport and Social Club
Property All Risk Insurance
Q: What is a Property Insurance ?
A: Property insurance is insurance that covers loss of or damage to property or the interests of the insured and because things are divided into two (2) parts: Part I - Damage to property and or the interests of the insured suffers a loss, destruction or physical damage which is not unexpected, sudden and accidental aside from the things that are excluded, among others: - Assets under construction - The Treasure of being in the transport - Dishonesty, cheating, deceit, deception or other falsehood. Part II - Business Interruption, due to losses by Part I apart from the things that are excluded, among others: - Provision of public authorities - Insufficient capital for restoration / replacement in time Property and that interest can be insured or can be home, office buildings, warehouses, factories, content / content home, office supplies including business interruption.
Q: Is Property Insurance can be expanded ?
A: This insurance can be expanded with additional premium, given to equip property insurance such as: - Riots, Strikes, Riot and Evil Deeds - Earthquake, fire or explosion due to Earthquake, volcanic eruption, tsunami - Tornado, Hurricane, Flood and Water damage - The cost of cleaning
Marine Cargo Insurance
Q: What is a Marine Cargo Insurance ?
A: Marine Cargo Insurance is an insurance which covers loss, damage and responsibility for the goods or the interests of the insured, unless the risks are excluded.
Q: What things are excluded ?
A: The things that can be excluded include: - Riots, war - Delay in delivery - Do not ship unseaworthy and imperfections and conveyance - Deliberate error by the insured - Leakage reasonable, reduced weight or volume or fair wear and tear. - Loss or damage resulting from the good itself (inherent vice). - Loss of goods in containers or truck if seals or locks are not in good condition or damaged. - Loss, damage is the main cause of delay, although the delay was caused by a risk insured.
Contractorsí All Risk
Q: What is a Contractorsí All Risk ?
A: Contractors' All Risk insurance is a guarantee for any damage or loss dipetanggungkan object at the time of execution of the construction/installation during construction and maintenance.
Q: Contractors' All Risk Insurance What are the benefits ?
A: Contractors' All Risk Insurance Benefit is insured in accordance with the work of civil engineering employment contract between the building owner and the main contractor. This insurance provides reimbursement in the form of: Section I - Material Damage Object of the insured suffers a loss, destruction or physical damage are unpredictable and suddenly from any cause, other than the excepted matters, in respect of the main work, temporary work, employment preparation, the materials used, the cost of cleaning debris, great tools and machines that assist in the implementation of work. Exceptions include: Damage due to incorrect design, planning errors. Wear, corrosion, oxidation, reduction in quality due to lack of use and normal atmospheric conditions. Continued loss of any kind including penalties, sanctions development, loss because of delays, poor workmanship, loss of contracts, loss of expected benefits. Loss or damage to the vehicle licensed for general road use or transport of water or an airplane. Intentional or willful negligence. Part 2-Liability to Third Parties. Provide compensation as a result of compensation: Bodily injury and or damage to property belonging to third parties as a result of an accident that occurred directly related to the construction or installation of the object insured in Part 1 and occur at or around the site during the period of insurance.
Q: What is a Fire Insurance ?
A: Fire insurance is insurance that covers loss of or damage to property and or interest insured directly caused by: 1. Fires 2. Lightning 3. Explosion 4. The Fall aircraft 5. Smoke Property and that interest can be insured or can be home, office buildings, warehouses, factories, content / content home, office supplies and others.
Q: Is Fire Insurance can be expanded ?
A: Fire insurance can be expanded with additional premium, can be given to supplement the standard fire insurance such as: - Riots, Strikes, Riot and Evil Deeds - Earthquake, fire or explosion due to Earthquake, volcanic eruption, tsunami - Tornado, Hurricane, Flood and Water damage - The cost of cleaning - Landslide
Personal Accident Insurance
Q: What is a Personal Accident Insurance ?
A: Personal Accident Insurance is an insurance that guarantees / provide compensation for the risk of death, permanent record, while the note, or the cost of care and treatment that are directly caused by an accident is an event or events that contain elements of violence both physical and chemical, that come in a sudden, unwanted, or planned, from the outside, visible and direct instantaneous bodily injury that resulted in the nature and place to be determined by medical science.
Q: Anyone can take advantage of this product ?
A: That can take advantage of personal accident insurance product is anyone who has a risk eg company employees, family members, hotel guests, a bank customer, visitor attractions, and others.
Q: Is Personal Accident Insurance can be expanded ?
A: This insurance can be expanded with additional premium, given to equip such a standard personal accident insurance: - Riots, Strikes, Riot and Evil Deeds - As a result of riding a motorcycle (Motorcycling Risk).
Q: What the People's Business Credit Guarantee?
A: Is a credit / Working Capital Financing and the investments to the MSME business to business field that is productive and decent, but not yet bankable with credit ceiling / financing up to 500 million guaranteed by the insurance companies. KUR is expected to help develop entrepreneurs becoming more productive.
Q: Anyone who may get KUR?
A: KUR is given by the Bank to small or medium entrepreneurs to improve their business, but do not have enough capital.
Q: Bank whichever KUR ?
A: Not every bank can KUR except those already designated by the Government, namely: Bank BRI, Bank BNI, Bank Mandiri our bank, Bank Syariah Mandiri and 26 (twenty six) Regional Development Banks.
Q: What is a Customs Bond ?
A: Customs Bond is Askrindo products to provide the guarantee of customs facilities, facility deferral/exemption of import duty of imported goods and the collection of other duties to the obligee (the Director General of Customs and Excise) if the Principal (Importer/Manufacturer Exporters) can not meet its obligations.
Q: What are the types of products Customs Bond ?
A: 1. Facility Ease Import Export Purpose (KITE); 2. Temporary Import (OB 23); 3. EPTE / Bonded; 4. Vooruitslag; 5. BC 12; 6. PPJK; 7. Notul; 8. Excise Bond
Q: What are the benefits of the product Customs Bond?
A: Benefits Customs Bond is that if the Principal (Corporate Importer / Exporter) does not fulfill its obligations to the customs office in the form of settlement Duty, Excise, Administrative Fine and GST - goods in Imports by PIB / PIBT / SKPBM, the customs office may file a claim with Askrindo
Contra Bank Guarantee
Q: What is a Contra Bank Guarantee ?
A: Contra bank guarantee (Construction/Non-Construction) is a guarantee given Askrindo to the bank that issued Bank Guarantee on behalf of customers (borrowers / principal), if the customer experience of default.
Q: Types Contra Bank Guarantee anything that can be guaranteed by Askrindo?
A: 1. Bid Bond 2. Performance Bond 3. Advance Payment Bond 4. Maintenance Bond 5. Payment bond 6. Warranty For Other Needs
Q: What are the benefits of the product Contra Bank Guarantee?
A: Benefits for the Principal: Provision of Bank Guarantee is a direct selection or indirect help bona fide principal in the competition to get a job order contract projects of obligee Contra Bank Guarantee is a guarantee that the parties intended for Principal Bank (Bank Guarantee publisher) Benefits for the Bank: More secure and in accordance of the Law Fee income base Credit risk is relatively low because no guarantor Benefits for the obligee: Easily the melting process when the Principal of Default
Q: What banks are cooperating with Askrindo?
A: Bank, Mandiri, Bank BTN, Bank BRI, BPD Aceh, BPD Lampung, BPD Bengkulu, BPD Sumsel Babel, BPD Sumut, Bank Sumbar, Bank Riau, Bank Jambi, Bank DKI, Bank Jabar Banten, bank Jatim, Bank Jateng, BPD DIY, Bank Kalbar, Bank Kaltim, Bank Kalteng, Bank Kalsel, Bank Sultra, Bank Sulselbar, Bank Sulteng, Bank Sulut, Bank Maluku, BPD Bali, BPD NTT, BPD NTB, Bank Papua, Bank BRI Agroniaga, BII, Bank Saudara, Bank Bukopin, Bank Mayapada, Bank CIMB Niaga
Q: What is a Surety Bond?
A: These products are used to provide assurance to the project owner/obligee/Bouwheer against losses arising from non-fulfillment of obligations Managing the Project/Principal over a project within a specified time limit.
Q: Requirements document in the filing of Surety Bond?
A: 1. Principal Company Profile - 2. Copy of Deed of Company Founder, the following changes - 3. Copy of Company Registration (TDP) - 4. Copy of Trading License (License) - 5. Copy of Business License Construction Services (SIUJK) - 6. Copy Taxpayer Identification Number (TIN) - 7. Copy of Registration Client (TDR) - 8. Copy of Certificate of Domicile Company - 9. Copy Signs Membership of relevant professional association of business Principal (if any) - 10. Copy of Balance Sheet and Profit and Loss Financial Principal within two (2) years - 11. Statement of willingness to pay compensation (SPKMGR)
Q: How long does it take to process the insurance Surety Bond?
A: To limit the decision to the Board of Directors, a maximum of nine (9) working days
Q: Please explain the Circular Letter from Financial Services Authority No. 04, related Suretyship?
A: On 18 September 2013 FSA issued a circular No.4, about the inclusion of a clause in the insurance polis does not guarantee the suretyship for losses caused by the practice of Corruption, Collusion and Nepotism
Credit Management Services
Q: What is a Trade Credit Insurance ?
A: Trade Credit Insurance (Askredag??) is Askrindo product that provides compensation to the insured (selling) against the possibility of losses due to non-receipt of some or all redemption payments receivable from the buyer (buyer) which is caused by the failure of payment by the buyer (buyer) of a number of accounts in agreed time from the due date of invoices and / or because the buyer experienced insolvency (bankruptcy)
Q: What are the benefits of Trade Credit Insurance?
A: 1. Facilitate the implementation of the Company's credit policy. 2. Minimize Insured/Seller losses of bad debt reduce bad debt reserves - in doubt due to the credit crunch. 3. Assisting the Insured in the volume seller. 4. Assisting the Insured to gain access to financing, optional. 5 Helping buyers to get a way of payments to the seller softer. 6 Helping buyers to get credit for the transaction purchase limit to the seller.
Q: Anyone who can use the product of Trade Credit Insurance ?
A: 1. Manufacturer / supplier of goods - goods industry. 2. Manufacturer / supplier of this type of stuff out in the short term.
Q: What is a Credit Insurance ?
A: Is a product of Askrindo services to provide guarantees to banks and non-banks on loans granted to SMEs. Askrindo function in this case is to provide a guarantee / compensation for distributed congestion banking and non-banking to MSMEs.