Raksa Heavy Equipment Insurance
Heavy Equipment Insurance, or Raksa Heavy Equipment Insurance, is an Asuransi Raksa product that can handle the risks to your heavy equipment. Give your heavy equipment extra protection with Raksa HeavyEquipment Insurance.
Report the Claim
Submit your claim report no later than 14 calendar days after the incident.
Prepare Supporting Documents
Prepare the required documents consisting of:
Official claim submission letter
Copy of the policy, incident report, and related photos
Photo/rubbing of the serial number, chassis number, or engine number
Repair cost estimate/quotation from the workshop
Technical inspection report related to the damage that occurred
Company Driving License (SIMPER) / Company Driving Card (KIMPER) / Operator Certificate
Information from the supplier regarding the price of a new unit with the same technical specifications and capacity
Copy of the catalog of the replaced spare parts
Police report (in the event of loss due to theft, robbery, or malicious acts by others)
Repair cost invoice
Other supporting claim documents
PT ABC insured a 2020 Komatsu forklift for Rp 900,000,000 at the beginning of 2022. During the coverage period, the forklift was involved in an accident, hitting a warehouse wall while operating.
Simulation I (Partial Claim)
As a result of the accident, PT ABC's forklift was damaged with an estimated loss value of Rp 500,000,000. The claim calculation details are as follows:
| Description | Value (Rp) |
|---|---|
| Sum Insured (SI) | 900,000,000 |
| Loss Claim | 500,000,000 |
| New price at the time of the claim incident (NRV) | 1,000,000,000 |
| Own Risk (10% of the claim) | 45,000,000 |
Indemnity = SI x (Claim / NRV) = Rp 900,000,000 x (Rp 500,000,000 / Rp 1,000,000,000) = Rp 450,000,000
Own Risk = 10% x Rp 450,000,000 = Rp 45,000,000
The insurer must pay an indemnity of = Rp 450,000,000 - Rp 45,000,000 = Rp 405,000,000 (not yet accounting for salvage, if any)
Simulation II (Total Loss Claim)
As a result of the accident, PT ABC's forklift suffered severe damage with an estimated loss value of Rp 800,000,000. The claim calculation details are as follows:
| Description | Value (Rp) |
|---|---|
| Sum Insured (SI) | 900,000,000 |
| Loss Claim | 800,000,000 |
| New price at the time of the claim incident (NRV) | 1,000,000,000 |
| Actual Value (NRV – Depreciation) | 750,000,000 |
| Own Risk (10% of the claim) | 67,500,000 |
Referring to the above, the loss claim already exceeds the Actual Value, so the claim on this unit is classified as Constructive Total Loss. Therefore:
Indemnity = SI x (Claim / NRV) = Rp 900,000,000 x (Rp 750,000,000 / Rp 1,000,000,000) = Rp 675,000,000
Own Risk = 10% x Rp 675,000,000 = Rp 67,500,000
The insurer must pay an indemnity of = Rp 675,000,000 - Rp 67,500,000 = Rp 607,500,000 (not yet accounting for salvage, if any)
Come to the Asuransi Raksa Office
You can file a report by coming directly to the Asuransi Raksa office nearest to you. Asuransi Raksa offices are spread across several regions. You can check the complete address information here.
Contact Asuransi Raksa by phone/email
Don't have time to come in person? Don't worry, for claim reporting you can report it either verbally or in writing. You can contact us at 021-3859007/08 or email claim_nonmotor@araksa.com.
Download the Raksa Heavy Equipment Insurance (Asuransi Alat Berat) product information from PT Asuransi Raksa below.
Phone: 021-7226865
Email: raksaonline@araksa.com
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customer_care@araksa.com
Head Office
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