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Theft is an act of someone in taking an item that is not his.
This theft action is grouped into 3 groups, namely
Theft : that is an act of theft that is carried out without being accompanied by an element of violence, both violence against individuals and violence against Property.
In Indonesian it is called: Copet
Burglary : namely an act of theft carried out accompanied by an element of violence against Property / House breaking.
In Indonesian: Demolition
Robbery : that is an act of theft carried out accompanied by an element of violence against individuals / person.
In Indonesian it is called: Penodongan.
is an Insurance or Coverage that provides a guarantee or protection for loss or damage to the object of insurance as a result of theft, which theft must be carried out by other parties accompanied by elements of violence against property or destruction (House Breaking)
- Other Parties: means the Parties are beyond the Insured's understanding in Insurance.
- Which is included in the definition of the Insured:
The person / party whose name is listed in the policy.
Family of the Insured (Children, Wives, Brothers etc.)
People who work for the Insured
People who are under the supervision of the Insured.
HAZARD IN BURGLARY INSURANCE
Hazard is a quantitative condition that can increase or lower the level of possibility of a risk.
Hazard is divided into 2 types of Hazard, namely Moral Hazard and Physical Hazard.
Moral Hazard: is a Hazard that is related to aspects of the Human / Insured
Physical Hazard: is Hazard which is related to aspects of battle objects.
Moral Hazard in Burglary Insurance:
The insured holds under the actual price with the intention of seeking profit if the risk occurs.
The insured allows the loss to occur, because there is already insurance that will provide compensation for the losses incurred.
The insured has an easy going attitude in placing or placing insured objects to attract the attention of others.
Physical Hazard in Burglary Insurance:
Shape, type and nature of the object of coverage
Form, construction and occupation of buildings where the object of coverage is stored.
Location and situation where the building is located.
Security tools and systems provided
Occupied or Unoccupancy building where the object of coverage is stored.
The attractiveness (Attactiveness) of the object of the liability
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