Belajar Asuransi Syariah Melalui Media Sosial Facebook, Twitter dan Sosial Media lain

Informasi Seputar Asuransi - Belajar Asuransi Syariah Melalui Media Sosial Facebook, Twitter dan Sosial Media lain - Sebelum kita membahas mengenai topic diatas, apakah kita sudah mengetahui apa sebenarnya yang dimaksud dengan asuransi syariah?? Apakah asuransi ini sama dengan asuransi pada umumnya yang ada di sekitar kita?? dari kedua pertanyaan tersebut, ada baiknya mari kita bahas terlebih dahulu mengenai pengertian dari asuransi syariah.

Asuransi (takafful) berarti saling menanggung atau bisa juga diartikan saling memikul. Sedangkan dalam istilah asuransi diartikan sebagai suatu kontrak yang dijalankan oleh seseorang, yang disebut “penjamin” asuransi sebagai balas jasa atas imbalan yang disebut “premi” untuk membayar orang lain yang diasuransikan, yang disebut “tertanggung” sejumlah atau yang senilai, atas kejadian tertentu.

Nah dalam pengertian lengkapnya asuransi syariah merupakan sebuah sistem dimana para peserta menginfaqkan atau menghibahkan sebagian atau seluruh kontribusi yang akan digunakan untuk membayar klaim, jika terjadi musibah yang dialamai oleh sebagian peserta. Peranan perusahaan asuransi syariah disini adalah sebagai pengelola operasional asuransi dan investasi dari dana-dana atau kontribusi yang diterima kepada perusahaan.  Jadi disini bisa digaris bawahi bahwa perusahaan asuransi syariah yang sedang berkembang belakangan ini berfungsi sebagai pihak pengelola dana dari para peserta asuransi syariah yang nantinya dana yang terkumpul ini akan dikembalikan lagi kepada anggota asuransi yang membutuhkan seperti klaim terhadap kejadian yang menimpa anggota asuransi.

Seiring dengan Perkembangan asuransi syariah di indonesia ini, seharusnya dibarengi pula dengan adanya edukasi terhadap masyarakat akan produk-produk yang dimiliki oleh asuransi syariah. Namun, kenyataan menunjukkan bahwa masayrakat yang faham akan asuransi syaraiah hanyalah mereka yang berpendidikan saja, mereka yang tidak berpendidikan pun tidak mengetahui apa sebenarnya asuransi syariah, produk-produknya maupun keuntungan dalam berasuransi syariah.

Untuk itu, edukasi menjadi hal yang sangat penting untuk memberikan pemahaman terhadap masayarakat akan asuransi syariah. Edukasi akan pengetahuan asuransi syariah ini bisa dilakukan dengan berbagai macam cara, salah satunya adalah melalui media jejaring sosial. Jejaring sosial saat ini tercatat sudah banyak sekali bermunculan baik itu facebook, twitter, Yahoo Mesengger, salingsapa, dan banyak lagi media sosial yang bisa kita akses sehari-hari. ini menjadikan salah satu media yang bisa dijadikan sebagai salah satu media edukasi kepada masyarakat akan asuransi syariah. Selain penggunanya yang begitu banyak, media ini juga bisa dijadikan salah satu sebagai media yang efektif untuk memberikan suatu edukasi karena lalulintas media sosial yang begitu pesat memberikan sebuah peluang untuk memberikan edukasi terhadap masayarakat pengguna media jejaring sosial seperti memberikan kuliah  twit atau pun program edukasi lainnya yang mampu memberikan manfaat bagi pengguna media jejaring sosial dan juga masyarakat luas.

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Asuransi contractor’s All Risk (CAR) dan ketentuannya

Informasi Seputar Asuransi - Asuransi contractor’s All Risk (CAR) dan ketentuannya - Dalam Asuransi contractor’s All Risk (CAR), periode jaminan asuransinya memiliki ketentuan yang spesifik. 

Pada wording CAR Munich Re, ketentuan Periode berlakunya polis adalah sejak dimulainya pekerjaan atau sesaat setelah dilakukannya unloading material yang disebutkan dalam schedule polis di lokasi proyek.

Sementara jaminan polis berakhir ketika sudah terjadi serah terima pekerjaan (contract works) atau saat obyek konstruksi tersebut sudah mulai dioperasikan (put into service) atau setelah uji coba, selambat-lambatnya sesuai dengan tanggal yang telah di sebutkan dalam schedule polis.

Kontraktor di dalam perjanjian kerjanya seringkali diwajibkan untuk melaksanaan pekerjaan perawatan (Maintenance) atas pekerjaan yang sudah selesai tersebut  selama periode tertentu yang disepakati. Pada saat perawatan biasanya kontraktor memastikan bahwa bangunan ataupun mesin yang terpasang dalam kondisi yang baik dan tidak mengalami masalah dalam pengoperasian rutinnya dikemudian hari.

Pada periode perawatan tersebut, Polis CAR sudah tidak berlaku dan oleh karena itu kerugian akibat sebab apapun tidak dijamin. Untuk mensolusikannya asuransi menggunakan klausul endorsement polis untuk tetap dapat memberikan jaminan pada periode perawatan ini.

Endorsement yang sering digunakan adalah endorsement 003 (Maintenance Visits Cover) dan Endorsement 004 (Extended Maintenance Cover). Dengan ditambahkannya klausula ini, maka polis akan menjamin kerugian pada obyek pertanggungan di masa perawatan akibat tindakan perawatan atau pemeliharaan yang dilakukan kontraktor.

Isi Endorsement 003 (maintenance visits cover) adalah sebagai berikut:

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon and subject to the Insured having paid the agreed extra premium, this insurance shall be extended for the maintenance period specified hereunder to cover solely loss of or damage to the contract works caused by the insured contractor(s) in the course of the operations carried out for the purpose of complying with the obligations under the maintenance provisions of the contract.

Maintenance cover: from _____________________ to ___________________

Extra premium: ________________________________________

Contoh kerugian yang dijamin misalnya:

• Pecahnya kaca-kaca saat dilakukan pekerjaan pembersihan puing-puing atau akibat terkena alat-alat para pekerja yang sedang melakukan perawatan.
• Terjadinya kebakaran saat dilakukan pengelasan untuk perbaikan sambungan pekerjaan tertentu.
• dsb

Isi Endorsement 004 (extended maintenance cover) adalah sebagai berikut:

 It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorses thereon and subject to the Insured having paid the agreed extra premium, this insurance shall be extended for the maintenance period specified hereunder to cover loss of or damage to the contract works.

-          Caused by the insured contractor(s) in the course of the operations carried out for the purpose of complying with the obligations under the maintenance provisions of the contract.

-          Occurring during the maintenance period provided such loss or damage was caused on the site during the construction period before the certificate of completion for the lost or damaged section was issued.

Maintenance cover: from ________________________ to ____________________________

Extra premium: __________________________________

Pada klausul ini, disamping memberikan jaminan kerugian akibat tindakan perawatan oleh kontraktor juga memberikan jaminan atas kerugian pada masa pemeliharaan yang disebabkan oleh ‘perils’ pada pekerjaan konstruksi sebelumnya. Misal: Robohnya dinding tembok saat dilakukan perawatan pengecatan, dimana roboh tersebut diakibatkan kurang lekatnya ikatan antar batu bata yang disebabkan oleh kelalaian pekerja dalam mencampur semen dan pasir sehingga tidak sesuai dengan spesifikasinya.

Endorsement-endorsement tersebut hanya menjamin resiko sesuai dengan jaminan yang diberikan oleh polis dasarnya, yaitu polis CAR. Oleh karna itu, saat maintenance period, tertanggung juga perlu melindungi obyek pertanggungan dari resiko-resiko yang tidak dijamin polis CAR melalui asuransi lainnya, missal: Asuransi Property All risk (PAR), Machinery Breakdown (MB), dll.
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Asuransi Syariah Untuk Para Petani

Informasi Seputar Asuransi - Asuransi Petani Berbasis Syariah- Sungguh mencemaskan menanam padi pada musim hujan seperti saat ini. Jika umur padi sudah menjelang masa panen, kekhawatiran tidak terlalu besar. Yang terpenting, tangkai padi tidak sampai roboh. Tapi jika padi baru ditanam hingga satu bulan, kecemasan berlipat-lipat. Jika tergenang air, tanaman padi bisa busuk. Itu berarti, harus ditanami lagi. Rugi waktu dan biaya.
Seperti yang baru-baru saja terjadi. Ribuan hektar sawah di Karawang, Jawa Barat tergenang banjir akibat meluapnya kali Citarum. Sebagian besar tanaman padi itu berusia satu bulan. Hingga hari ini, dampak dari tergenangnya lahan pesawahan itu diperkirakan menelan kerugian hingga miliaran rupiah. Lagi-lagi, yang paling dirugikan adalah para petani.

Petani Padi

Terendamnya tanaman padi akibat banjir bukan pertama kali. Tahun 2010 lalu, peristiwa yang sama juga terjadi. Tanggul sungai Citarum yang jebol menggenangi pemukiman dan menghancurkan ribuan hektar tanaman padi.
Persoalan padi yang terendam banjir pada musim hujan menambah panjang persoalan yang dihadapi petani. Kalaupun padi selamat tidak ada gangguan hingga panen, persoalan lain menghadang. Sempitnya lahan yang dimiliki hingga makin meningkatnya biaya produksi menjadi persoalan yang terus berulang.
Lalu, bagaimana solusi mengatasi persoalan tersebut? Pertama, hadirnya tenaga-tenaga pendamping pertanian yang mengedukasi para petani meningkatkan kesadaran mereka mengenai kegagalan dan keberhasilan dalam pengelolaan lahan. Keberhasilan harus dirasakan bersama. Sebaliknya, jika ada yang gagal, harus dibantu secara bersama-sama. Kehadiran  tenaga pendamping sangat dibutuhkan mengingat tidak semua petani well educated khususnya yang berkaitan dengan pengelolaan pertanian yang efektif.
Kedua, ketersediaan pupuk maupun sarana pertanian lain dengan harga sesuai dengan yang ditetapkan pemerintah. Di sinilah, tenaga pendamping memiliki peran untuk mengarahkan petani berhimpun dalam kelompok-kelompok tani agar akses terhadap pupuk dan sarana pertanian lainnya lebih mudah.
Ketiga, lembaga yang mampu menjadi payung bagi petani tidak hanya dari resiko kegagalan panen, tapi juga dari sisi prinsip. Artinya, bukan semata terlindungi secara materi, tapi secara agama. Dengan kata lain, duniawi dan ukhrawi.
Ketiga hal di atas bisa dijalankan secara simultan. Tenaga pendamping, ketersediaan pupuk serta lembaga yang menjadi payung petani bisa dijalankan secara bersamaan. Dalam hal perlindungan usaha petani, asuransi yang berbasis syariah dibutuhkan peranannya untuk melakukan ketiga hal tersebut. Masyarakat petani dibimbing untuk bisa meningkatkan pendapatan sekaligus perlindungan mereka dengan mengedepankan tolong-menolong (ta’awun) sebagaimana prinsip yang terdapat dalam asuransi syariah.
Selain meningkatkan ketenangan dalam mengelola lahan, kehadiran asuransi syariah di tengah-tengah petani bisa meningkatkan produktivitas karena adanya pendampingan serta kemudahan dalam mengakses sarana dan prasarana pertanian. Dengan demikian, tujuan pembangunan pertanian untuk meningkatkan kesejahteraan petani juga bisa diwujudkan.
Yakinlah, jika ini bisa dilakukan, kelompok-kelompok masyarakat lainnya seperti nelayan, pedagang dan usaha kecil menengah lainnya bisa diikutkan dalam program asuransi yang berbasis syariah. Semakin luas sasaran masyarakat yang ikut dalam program asuransi syariah, semakin besar pula peluang meningkatkan kesejahteraan rakyat. Insya Allah.
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Checking Insurance Costs While Buying A New Car

All About Insurance - Many people do not realize that their cars are costing them too much money on insurance. It is probably too late for them for the time being. It is not easy to sell the vehicle you have so that you can buy another one. At least, it is a costly practice that it does not make sense to carry out as the savings may not justify it. However, motorists should consider their options properly when they are buying a new one.
Once you buy an automobile with good insurance ratings you will be able to save money for the next a few years. Generally, a new automobile would last four or five years. Car insurers like safer vehicles since they cause a lot less damages and injuries in cases of accidents. These are not just guesswork. Companies, universities and other vehicle safety organizations carry out many tests to see how effective certain cars in accidents.
Auto manufacturers carry their own tests and improve their vehicles every day. Actually, sometimes a new automobile can cost cheaper to insure than an older one due to improved safety and theft protection features. Save thousands of dollars because of the reduced claims is a good proposition for carriers. The best solution is protection before the troubles occur.
When you are purchasing a vehicle you are in the best position to control the variables. At this stage you can pick a better build model among similar vehicle choices than the less reliable ones. This is your first option when the prices are similar. When there is a difference and the safer one is more expensive, you will need to consider and calculate if the savings you will get on insurance over the next five years will make it worthwhile.
Of course, you need to add the peace of mind you will have with a car you know will protect you and family members better. This part is priceless for many parents. That is why they look for safer automobiles even though they are not as attractive as they like or a bit more expensive. You can never know what could happen once you are behind the wheel. Reducing unknowns with insurance and bringing the odds of injuries with safer cars are smart moves to make.
One of the simplest ways of checking which car is better for you from insurance point of you is to get quotes. Getting quotes for insuring the vehicles in your maybe list will reveal which one is preferred for companies. Usually, safer cars are cheaper to insure and therefore lower premium is a good indication of safety.
Alternatively, you can check the insurance ratings of a model you are considering buying. This can be achieved pretty easily by searching for such information online. Your broker or agent can help you on this are as well. It may sound like you have to opt for a dull car instead of a cool and flashy one. In fact, it could be as simple as going for Brand A instead of B or model A instead of others. Those cars can be as good looking and cool as any others in the market.

Insurance Risks Associated With Letting Others Drive Your Automobile

All About Insurance - When arranging auto insurance coverage drivers may need to tell about their marital status and who else living with them that has any chance of driving the vehicle. Usually, companies include the partners and other people living in the same house as possible drivers even they will not and not related to the policyholder in any way. Probably this provision makes it simple for the firms and they like to know about their age and driving history.
Also there are other people who may drive the vehicle occasionally. What would happen if you have allowed a friend to go and fetch something with your automobile? What is the position of your house guests who are staying with you only couple of weeks? These are the areas to consider. Before handing over the keys easily to others you need to be sure that they and your car will be insured within your policy. The answers to these concerns can be different depending on the policy arranged.
Some companies offer policies that cover only the named drivers. By doing that companies have full knowledge of who can drive the auto and therefore they can offer favorable quotes. So, when you are getting a cheap car insurance policy you need to check the terms and conditions. It may just be that the company offering the deal is highly competitive or there are special conditions that allow them to cut the rates.
In such cases, you cannot hand over the keys without consulting to your current policy provider. It may actually be unpractical to talk to them each time someone will occasionally need access to your vehicle. It is highly unlikely for many families that this will ever happen. That is why it may be wise to go for a cheaper policy with restricted drivers. In the odd chance that out of town relatives comes to stay with you for a while you can call the car insurer and add them for the specific period that they will have access to your automobile.
If there is no restrictions as to who can drive the vehicle it is likely that you can allow others drive your auto on occasional bases. One thing you need to keep in mind that there will be a claim on your insurance if these people you allowed causes an accident. Insurance follows the vehicle regardless of the driver having separate insurance or not. Your policy would be first in line for the damages. If it is exhausted the actual driver’s policy may come into play.
Once it is established that the person who caused the accident with your car has the permission to operate it your policy will have to pay for liabilities, injuries and damages. If ever your policy limits are spent the driver or his/her insurer may be responsible for the rest of the claims. You or your insurer is not responsible for damages and injuries caused to others by someone whole took it without your knowledge or permission.
It is essential that vehicle owners know the consequences of landing their cars to others. Otherwise they may have to deal with a complicated situation that causes a lot of grief, financial loss and damages friendships.

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Auto Insurance Implications Of Determining Fault

All About Insurance - Once a driver is found to be the main cause of an accident his/her car insurance rates would increase at the next renewal. The rises will depend on the size of the accident and the previous driving history. Sometimes, the rates can skyrocket especially when this is the second or third incident in a short space of time. It may even lead to immediate cancellation of the policy if the policyholder was under the influence of alcohol at the time.
Generally companies follow the evidence when they work out who is at fault in an accident. There may be several companies involved if it is a multi-car crash. The outcome must be acceptable to each of them and therefore conclusive evidence need to be used. Sometimes, you may come across a driver who is totally nonsense in the scene and making wild allegations towards other drivers involved. However, being the loudest will not work when everything else point towards that person.

It may take a while but they will look at the details provided by you, other drivers and witnesses. Generally, there would be a police report in most crashes. When there is such report it will be highly relied upon. Otherwise, it is sensible to take a few pictures before clearing the scene. Today, nearly everyone has mobile phones with camera that this should not be a problem. It is in your best interest to provide as much information as you can.
Car insurance companies would send a loss adjustor to investigate the incident on their behalf. Policyholders may feel that adjustors are trying to corner them. However it is in their best interest to conclude the claim fast and amicably. They would not like to fall in conflict with the policyholder and take the prolonged and even sometimes legally complicated route. Besides, they are on the same side as you when they need to defend you against the claims from third parties.
It is possible that both drivers may be found at fault or it is allocated as a percentage of the blame. Then, companies work out a settlement between themselves. If you were totally innocent and third party insurers paid for all the damages you should not really see any difference in your renewal terms. It would be treated as if nothing happened in terms of calculating the cost of insuring you.
If you want to keep low auto insurance rates you need to take every help you can get to refute allegations that your cause the accident within reasons. Failing that, your best course of action would be to zero the clock and start building good driving records from then onward. Still, you will have to shop around harder to find more reasonable carrier which may offer an agreeable premium despite the claims.

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Florida Auto Insurance Now

All About Insurance
Florida Auto Insurance Now
Florida Insurance By the Numbers
24% of Uninsured Motorists in Florida†
$1,764 Average Annual Cost of Auto Insurance in Florida††

Florida Insurance Minimums
Florida state law requires the following minimum car insurance coverage for FL auto insurance policies:


Bodily Injury Liability
$10,000 Limit
Property Damage Liability
$10,000 Limit

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