SPAREPART REPLACEMENT CLAUSE

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Begini bunyi di dalam polis “

“It is hereby noted and agreed that if in this policy of coverage, it has partial loss claim in which it requires sparepart replacement, meanwhile such sparepart may not be obtained or purchased in a local market, then the Insured should find such sparepart by himself and the Insurer only reimburses the actual price of such sparepart added with proper installation cost without being charged with other costs.”

Sering menyebut SPAREPART REPLACEMENT CLAUSE ini sebagai “Klausul Suku Cadang Langka” atau “Aturan Impor Mandiri”.

Bahasa hukumnya mungkin terdengar kaku, tapi sebenarnya klausul ini mengatur situasi yang sangat spesifik dan adil bagi kedua belah pihak (Anda dan perusahaan asuransi). Berikut adalah penjelasan detailnya dalam bahasa yang mudah dimengerti.

Intisari Klausul (Bagaimana Cara Kerjanya?)

Bayangkan mobil Anda (terutama jika mobil mewah, Completely Built-Up (CBU), atau mobil tua/klasik) mengalami kecelakaan. Ada bagian yang rusak dan harus diganti. Namun, masalah muncul: suku cadang tersebut tidak dijual di pasar lokal (Indonesia).

Jika klausul ini ada di polis Anda, inilah aturan mainnya:

  1. Situasi: Terjadi kerugian sebagian (partial loss), mobil butuh suku cadang baru, tapi suku cadang itu tidak tersedia di bengkel resmi maupun toko suku cadang biasa di dalam negeri.
  2. Kewajiban Anda: Anda sebagai pemilik mobil (Tertanggung) diminta untuk mencari dan membeli sendiri suku cadang tersebut dari luar negeri (misalnya, pesan langsung dari pabriknya di Jerman atau Jepang, atau beli via eBay).
  3. Kewajiban Asuransi (Penggantian Biaya): Setelah Anda berhasil mendapatkan suku cadang tersebut dan memasangnya, perusahaan asuransi akan mengganti (reimburse) biaya tersebut kepada Anda.

⚠️ Poin Penting yang Sering Membuat Salah Paham:

Yang diganti oleh asuransi HANYA:

  • Harga Asli Suku Cadang tersebut (actual price).
  • Biaya Pemasangan yang Wajar (proper installation cost).

Klausul ini menegaskan bahwa asuransi TIDAK MENANGGUNG BIAYA LAIN-LAIN seperti:

  • Biaya pengiriman internasional (ongkir).
  • Pajak impor/Bea Cukai (Import Duty & Taxes).
  • Biaya agen/perantara pencari barang.
  • Selisih kurs mata uang yang merugikan Anda.

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Contoh Simulasi Klaim

Agar lebih jelas, mari kita gunakan contoh mobil BMW Seri 7 CBU (Impor Utuh) milik Pak Budi.

  • Kejadian: Mobil Pak Budi terserempet, menyebabkan lampu depan (headlight) sebelah kiri pecah total. Kerugian ini adalah kerugian sebagian.
  • Masalah: Bengkel resmi BMW di Indonesia menyatakan stok lampu untuk seri spesifik tersebut kosong dan tidak tahu kapan akan ada lagi. Lampu tersebut harus dipesan langsung dari Jerman.
  • Penerapan Klausul:
    • Asuransi memberi tahu Pak Budi untuk mengaktifkan Sparepart Replacement Clause.
    • Pak Budi mencari secara online dan menemukan toko di Jerman yang menjual lampu tersebut.
  • Perhitungan Biaya oleh Pak Budi:
    • Harga Lampu (Actual Price) = Rp 30.000.000 (setelah dikonversi).
    • Ongkir Internasional (Jerman -> Indo) = Rp 5.000.000.
    • Bea Cukai & Pajak Impor (di Bandara Soetta) = Rp 10.000.000.
    • Biaya Pasang di Bengkel Lokal = Rp 2.000.000.
    • Total Uang yang Dikeluarkan Pak Budi = Rp 47.000.000.
  • Keputusan Penggantian Asuransi: Sesuai klausul, asuransi akan menghitung:
    • Harga Lampu disetujui: Rp 30.000.000.
    • Biaya Pasang disetujui: Rp 2.000.000.
    • Total Klaim yang DIBAYAR ke Pak Budi = Rp 32.000.000.
  • Hasil Akhir: Pak Budi mendapatkan penggantian untuk harga barang dan biaya pasang, namun beliau harus menanggung sendiri biaya pengiriman dan pajak impor sebesar Rp 15.000.000.

Saran Profesional:

Jika Anda memiliki mobil yang tidak umum dipasarkan di Indonesia (CBU), klausul ini hampir pasti akan ada di polis Anda. Tujuannya adalah agar proses perbaikan tidak gantung bertahun-tahun hanya karena asuransi (bengkel rekanan) tidak bisa mendapatkan barangnya.

Asuransi “menyerahkan tugas” pencarian barang kepada Anda karena Anda (sebagai pemilik mobil langka) biasanya memiliki komunitas atau akses informasi yang lebih baik untuk mendapatkan part tersebut daripada bengkel biasa.

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English Translation

Here is the English translation of the explanation above:

I often refer to this SPAREPART REPLACEMENT CLAUSE as the “Rare Parts Clause” or the “Self-Import Rule.”

While the legal language might sound stiff, this clause actually manages a very specific situation fairly for both parties (you and the insurance company). Here is the detailed explanation in plain English.

The Core Concept (How It Works)

Imagine your car (especially if it’s a luxury, Completely Built-Up (CBU), or classic/vintage car) is involved in an accident. There is damage, and parts need replacement. However, a problem arises: that specific spare part is not available or cannot be purchased in the local market (Indonesia).

If this clause is present in your policy, these are the rules:

  1. The Situation: A partial loss claim occurs, the car needs a new spare part, but that part is not in stock at authorized workshops or standard local parts stores.
  2. Your Obligation: You, as the car owner (the Insured), are requested to find and purchase the spare part yourself from abroad (e.g., ordering directly from the factory in Germany or Japan, or buying via eBay).
  3. The Insurer’s Obligation (Reimbursement): Once you successfully obtain the part and have it installed, the insurance company will reimburse these costs to you.

⚠️ Crucial Point Often Misunderstood:

The insurance company ONLY reimburses:

  • The Actual Price of the spare part.
  • The Proper Installation Cost.

The clause strictly clarifies that the insurer DOES NOT COVER OTHER COSTS such as:

  • International shipping costs.
  • Import duties and taxes (Bea Cukai).
  • Agent or intermediary fees for finding the item.
  • Currency exchange rate differences that work against you.

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Claim Simulation Example

To make this crystal clear, let’s use the example of a CBU (Fully Imported) BMW 7 Series owned by Mr. Budi.

  • The Incident: Mr. Budi’s car is grazed, causing the left headlight to shatter completely. This is a partial loss claim.
  • The Problem: The authorized BMW workshop in Indonesia states that stock for that specific series headlight is unavailable and they do not know when it will be back in stock. The part must be ordered directly from Germany.
  • Application of the Clause:
    • The insurer informs Mr. Budi to activate the Sparepart Replacement Clause.
    • Mr. Budi searches online and finds a shop in Germany selling the correct headlight.
  • Mr. Budi’s Cost Calculation:
    • Price of Headlight (Actual Price) = IDR 30,000,000 (after conversion).
    • International Shipping (Germany -> Indo) = IDR 5,000,000.
    • Import Duties & Taxes (at Soetta Airport) = IDR 10,000,000.
    • Installation Fee at Local Workshop = IDR 2,000,000.
    • Total Money Spent by Mr. Budi = IDR 47,000,000.
  • Insurance Reimbursement Decision: According to the clause, the insurer calculates:
    • Price of Headlight approved: IDR 30,000,000.
    • Installation Fee approved: IDR 2,000,000.
    • Total Claim PAID to Mr. Budi = IDR 32,000,000.
  • Final Outcome: Mr. Budi receives reimbursement for the actual price of the part and the installation, but he must bear the shipping and import tax costs of IDR 15,000,000 out of his own pocket.

Professional Advice:

If you own a car that is not commonly marketed in Indonesia (CBU), this clause will almost certainly be in your policy. Its purpose is to ensure the repair process doesn’t hang in limbo for years simply because the insurer (the partner workshop) cannot locate the part.

The insurer “delegates” the sourcing task to you because you (as the owner of a rare car) usually have better access to information or communities to find that specific part than a standard workshop.

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