MODIFICATION AND PAIRED PART/SET CLAUSE

Begini isinya :

IIt is hereby noted and agreed that:

• In case damages or losses occur on partial parts of motor vehicle in pairs or set, the Insurer`s liability is limited to recover its parts that have damage or loss only.

• In case damages or losses occur on parts of motor vehicle that has been modified, but it is not mentioned in this policy, the Insurer`s liability is limited to recover as standard condition of the manufacturer including its additional attachment set forth in the policy.

Sebagai praktisi asuransi, saya sering menjuluki klausul ini sebagai “Klausul Standar Pabrik & Aturan Ganti Sebelah”.

Klausul ini sangat penting bagi Anda yang suka memodifikasi mobil atau peduli dengan estetika kendaraan. Klausul ini terbagi menjadi dua aturan utama. Berikut adalah penjelasan mudahnya:

Intisari Klausul (Bagaimana Cara Kerjanya?)

Klausul ini melindungi pihak asuransi dari keharusan membayar onderdil mahal yang tidak pernah didaftarkan, serta mencegah pemborosan penggantian suku cadang yang sebenarnya tidak rusak.

1. Aturan Modifikasi (Standar Pabrik) Jika Anda mengubah, mengganti, atau memodifikasi suku cadang mobil Anda menjadi lebih mahal dari versi aslinya, Anda wajib melapor ke pihak asuransi agar dicatat dalam polis. Jika Anda tidak melapor dan terjadi kecelakaan yang merusak part modifikasi tersebut, asuransi hanya akan mengganti rugi seharga suku cadang bawaan pabrik (standard condition). Selisih harga part modifikasi yang mahal itu menjadi tanggung jawab Anda sendiri.

2. Aturan Suku Cadang Berpasangan (Ganti Sebelah) Mobil memiliki banyak suku cadang yang berpasangan (kiri-kanan) atau dalam satu set (seperti lampu depan, spion, atau velg). Jika terjadi kecelakaan yang hanya merusak salah satu bagian dari pasangan tersebut (misal: hanya spion kiri yang hancur), asuransi hanya akan mengganti bagian yang rusak saja. Asuransi tidak akan mengganti sepasang penuh hanya demi menyamakan warna atau tingkat keusangan.

Contoh Simulasi Klaim

Agar lebih tergambar, mari kita lihat dua skenario ini pada mobil Honda Brio Anda:

Skenario 1: Modifikasi Velg Tidak Lapor

• Kejadian: Anda mengganti velg standar Brio Anda dengan velg racing impor seharga Rp 20.000.000 (satu set). Anda lupa melaporkan hal ini ke asuransi. Suatu hari, mobil Anda menabrak trotoar dan 2 velg racing tersebut hancur tak berbentuk.
• Keputusan Klaim: Klaim disetujui, TETAPI asuransi akan merujuk pada klausul ini. Karena velg racing tidak tercatat di polis, asuransi hanya akan membayar biaya penggantian 2 buah velg standar bawaan pabrik Honda Brio (misalnya total Rp 4.000.000). Sisa kerugian velg racing Anda hangus.

Skenario 2: Lampu Pecah Sebelah

• Kejadian: Anda terserempet motor dari arah kiri. Akibatnya, rumah lampu depan (headlamp) sebelah kiri Anda pecah total. Lampu sebelah kanan sama sekali tidak tersentuh dan masih berfungsi normal.
• Keputusan Klaim: Asuransi hanya akan membelikan 1 buah lampu depan sebelah kiri. Anda mungkin akan protes karena lampu kiri sekarang terlihat sangat bening dan baru, sementara lampu kanan terlihat agak kusam karena faktor usia, sehingga mobil terlihat “belang”. Namun, berdasarkan klausul Paired Part ini, asuransi secara hukum menolak permintaan Anda untuk mengganti lampu kanan yang tidak rusak tersebut.

Saran Kami Jika Anda baru saja memasang audio system mahal, mengganti velg, atau menambahkan body kit pada mobil Anda, segera hubungi agen atau broker asuransi Anda. Mintalah mereka menambahkan modifikasi tersebut ke dalam polis (biasanya disebut Endorsement). Akan ada sedikit tambahan premi, tetapi itu sepadan untuk memastikan barang modifikasi Anda dijamin penuh jika terjadi risiko.

English

As an insurance practitioner, I often refer to the “Modification and Paired Part/Set Clause” simply as the “Factory Standard & Single-Side Replacement Rule.”

This clause is extremely important for anyone who loves modifying their car or cares deeply about its aesthetic symmetry. It consists of two main rules. Here is the breakdown in plain English:

The Core Concept (How It Works)

This clause protects the insurance company from having to pay for expensive, undeclared aftermarket parts, and prevents them from wasting money replacing perfectly good parts just to make things look symmetrical.

1. The Modification Rule (Factory Standard Limitation) If you alter, upgrade, or modify your car’s parts to something more expensive than the original version, you must report this to the insurer so it can be noted in your policy. If you fail to report it and those modified parts are damaged in an accident, the insurer will only pay the replacement cost of the manufacturer’s original factory parts (standard condition). You will have to pay the price difference for the expensive modified parts out of your own pocket.

2. The Paired Part/Set Rule (Single-Side Replacement) Cars have many parts that come in pairs (left-right) or sets (like headlights, side mirrors, or alloy wheels). If an accident damages only one part of that pair or set (for example, only the left mirror is smashed), the insurer will only replace the specific part that was damaged. They will not replace the entire pair or set just to match the color, wear, or fading of the undamaged part.

Claim Simulation Examples

To make this perfectly clear, let’s look at two scenarios involving a standard hatchback:

Scenario 1: Unreported Rim Modification

• The Incident: You replace your car’s standard factory wheels with a set of imported racing rims worth $2,000. You forget to declare this modification to your insurance company. One day, you hit a deep pothole and two of the racing rims are completely destroyed.
• The Claim Decision: Your claim is approved, BUT the insurer will invoke this clause. Because the racing rims are not listed on the policy, the insurer will only pay the cost to replace two standard factory rims (for example, a total payout of $400). You lose the remaining value of your expensive racing rims.

Scenario 2: One Broken Headlight

• The Incident: A motorcycle grazes the left side of your car. As a result, your left headlight housing is completely shattered. The right headlight is completely untouched and works perfectly.
• The Claim Decision: The insurer will only buy you one new left headlight. You might complain because the new left headlight looks crystal clear, while your old right headlight looks a bit cloudy or yellowed from years of sun exposure, making the car look “mismatched.” However, based on the Paired Part clause, the insurer has the legal right to refuse your request to replace the undamaged right headlight.

Professional Advice: If you have recently installed an expensive audio system, upgraded your rims, or added a custom body kit to your car, contact your insurance agent or broker immediately. Ask them to add these modifications to your policy (this is called an Endorsement). You will pay a slightly higher premium, but it is entirely worth it to ensure your expensive upgrades are fully covered in the event of an accident.