Asuransi kejahatan sebagai upaya peningkatan jaminan keamanan terhadap harta kekayaan perusahaan = Crime Insurance as a Means of Raising the Security Level of a Company's Property
| Main Author: | Perpustakaan UGM, i-lib |
|---|---|
| Format: | Article NonPeerReviewed |
| Terbitan: |
[Yogyakarta] : Universitas Gadjah Mada
, 1995
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| Subjects: | |
| Online Access: |
https://repository.ugm.ac.id/23458/ http://i-lib.ugm.ac.id/jurnal/download.php?dataId=6407 |
Daftar Isi:
- The objective of this research is to find out wether or not business people are covered by crime insurance as a means of raising the security level of their companies property against public crimes. The respondents in this research are insurers consisting of all the insurance companies in Yogyakarta which provide cover against losses and insured institutions which are classified into three groups, namely supermarkets, jewelry stores and banks. The research was carried out in order to obtain secondary and primary data. The secondary data were collected through library research undertaken by making a documentary study of some legal material. The primary data were collected through field study using questionnaires and interviews. The format of the questionnaires was a combination of open and closed items intended to elicit responses that were both guided and thorough. The findings have indicated that the insurers generally offer crime insurance against burglaries and thefts (i.e providing cover against losses or damages of goods), and financial cover against robberies in the form of cash in transit, cash in save, cash in cashier's box and cash in premises. It was discovered that out of the three insured groups, only banks are making use of crime insurance. In general, both government and private banks are covered by crime insurance, either against loss of goods or loss of money. As a matter of fact, crime insurance is in most cases obligatory to all banks. According to articles 255 and 257 of the KUHD (Code of business law), an insurance agreement is consensual, i.e the agreement becomes effective whenever there is a mutual consent between the insurer and the insured. In practice, however, the agreement does not take effect until the insured has paid 75 % of the premium. In the event of damages, the insured is obligated to submit the following evidence to the insurer : 1.Insurance policy or insurance certificate 2.Receipts for payments of premiums 3. A police report evidencing the occurance of a crime causing the damage In the event of damages for which the insurer has paid the claim for compensation, an insurance agreement comes to an end. In the absence of damages, the agreement ends on the date of expiry as indicated in the insurance policy. Key words : Crime Insurance, policy and premium.