{"id":9087,"date":"2025-11-13T10:13:22","date_gmt":"2025-11-13T03:13:22","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9087"},"modified":"2025-11-13T10:13:22","modified_gmt":"2025-11-13T03:13:22","slug":"truk-terbalik-barang-rusak-kesalahan-mahal-pengusaha-asal-china-yang-salah-pilih-agen-asuransi","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/truk-terbalik-barang-rusak-kesalahan-mahal-pengusaha-asal-china-yang-salah-pilih-agen-asuransi\/","title":{"rendered":"Truck Overturns, Damages Property! A Chinese Businessman Makes a Costly Mistake in Choosing the Wrong Insurance Agent"},"content":{"rendered":"

A trailer truck was traveling on the slippery road between Surabaya and Jakarta, carrying imported Chinese electronics worth Rp 12 billion. Everything was going smoothly until heavy rain fell, and the truck lost control on a sharp bend. In an instant, the vehicle overturned, its cargo crushed, and parts of it scattered across the road.<\/span><\/p>\n

The logistics manager panicked. He immediately contacted the insurance company, believing that all the cargo was covered by a policy purchased through a local agent. However, after several weeks of investigation, the results left everyone speechless:<\/span><\/p>\n

\u201cThe claim cannot be paid because the goods are not insured with the clause <\/span>transit all risks <\/span><\/i>and not mentioned in the delivery schedule.\u201d<\/span><\/p>\n

This means there is no compensation whatsoever.<\/span>
\n<\/span>The loss of Rp. 12 billion must be borne alone.<\/span><\/p>\n

After further investigation, it turns out that the policy only covers basic risks such as fire and major collisions \u2014 not <\/span>transit risk <\/span><\/i>This error occurs because insurance agents don’t understand the characteristics of the cross-provincial logistics and cargo business.<\/span><\/p>\n

This isn’t an isolated incident. Many Chinese business owners in Indonesia face the same challenges\u2014rejected claims, limited warranties, and unsatisfactory service.<\/span><\/p>\n

Why Many Chinese Businesspeople Lose Money Due to Insurance<\/span><\/h3>\n

In the logistics and transportation business, risks can arise anywhere: on the road, at the port, in the warehouse, even during the loading and unloading process.<\/span>
\n<\/span>However, many Chinese businessmen still consider that insurance can be handled by local acquaintances or agents they trust without checking their legal status.<\/span><\/p>\n

However, according to OJK (Financial Services Authority) regulations, only authorized insurance brokers are permitted to provide advice and represent the interests of insured (customers). Agents have no authority or responsibility to assist with claims.<\/span><\/p>\n

Common mistakes that are often made include:<\/span><\/p>\n

    \n
  1. Purchasing a policy through an agent without official OJK permission.<\/span><\/li>\n
  2. Does not include detailed shipping routes in the policy.<\/span><\/li>\n
  3. Using an insurance value below the actual price of the goods.<\/span><\/li>\n
  4. Not adding important clauses such as:<\/span><\/li>\n<\/ol>\n