{"id":5380,"date":"2025-06-10T10:05:03","date_gmt":"2025-06-10T03:05:03","guid":{"rendered":"https:\/\/una-community.com\/?page_id=5380"},"modified":"2025-06-10T10:20:42","modified_gmt":"2025-06-10T03:20:42","slug":"pengecualian-asuransi-motor-tob","status":"publish","type":"page","link":"https:\/\/una-community.com\/id\/pengecualian-asuransi-motor-tob\/","title":{"rendered":"Pengecualian Motor – Asuransi Motor TOB"},"content":{"rendered":"\t\t
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PENGECUALIAN<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Asuransi Motor TOB<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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1. Pertanggungan ini tidak menjamin kerugian, kerusakan, biaya atas Kendaraan Bermotor dan\/atau tanggung jawab hukum terhadap pihak ketiga, yang disebabkan oleh :<\/span><\/p>

1.1 Kendaraan Bermotor digunakan untuk :\u00a0<\/span><\/p>

\u00a0 \u00a0 \u00a01.1.1 menarik atau mendorong kendaraan atau benda lain, memberi pelajaran mengemudi;\u00a0<\/span><\/p>

\u00a0 \u00a0 \u00a01.1.2 turut serta dalam perlombaan, latihan, penyaluran hobi kecakapan atau kecepatan, karnaval, pawai, kampanye, unjuk rasa;\u00a0<\/span><\/p>

\u00a0 \u00a0 \u00a01.1.3 melakukan tindak kejahatan;\u00a0<\/span><\/p>

\u00a0 \u00a0 \u00a01.1.4 penggunaan selain dari yang dicantumkan dalam Polis;<\/span><\/p>

1.2 penggelapan, penipuan, hipnotis dan sejenisnya;\u00a0<\/span><\/p>

1.3 pencurian dan\/atau perbuatan jahat yang dilakukan oleh:\u00a0<\/span><\/p>

\u00a0 \u00a0 \u00a01.3.1 suami atau istri, anak, orang tua atau saudara sekandung Tertanggung;<\/span><\/p>

\u00a0 \u00a0 \u00a01.3.2 orang yang bekerja pada Tertanggung, orang yang sepengetahuan atau seizin Tertanggung;\u00a0<\/span><\/p>

\u00a0 \u00a0 \u00a01.3.3 orang yang tinggal bersama Tertanggung;\u00a0<\/span><\/p>

\u00a0 \u00a0 \u00a01.3.4 pengurus, pemegang saham, komisaris atau pegawai, jika Tertanggung merupakan badan hukum;\u00a0<\/span><\/p>

\u00a0 \u00a0 \u00a01.3.5 orang yang berada di bawah pengawasan Tertanggung.<\/span><\/p>

1.4 kelebihan muatan dari kapasitas kendaraan yang telah ditetapkan oleh pabrikan jika hal tersebut tidak diatur oleh pihak yang berwenang.\u00a0<\/span><\/p>

2. Pertanggungan ini tidak menjamin kerugian dan\/atau kerusakan Kendaraan Bermotor atau biaya yang langsung maupun tidak langsung disebabkan oleh, akibat dari, ditimbulkan oleh:\u00a0<\/span><\/p>

2.1 barang dan\/atau hewan yang sedang berada di dalam, dimuat pada, ditumpuk di, dibongkar dari atau diangkut oleh Kendaraan Bermotor;\u00a0<\/span><\/p>

2.2 zat kimia, air atau benda cair lainnya, yang berada di dalam Kendaraan Bermotor; kecuali merupakan akibat dari risiko yang dijamin Polis.\u00a0<\/span><\/p>

3. Pertanggungan ini tidak menjamin kerugian, kerusakan dan\/atau biaya atas Kendaraan Bermotor dan\/atau tanggung jawab hukum terhadap pihak ketiga yang langsung maupun tidak langsung disebabkan oleh, akibat dari, ditimbulkan oleh :\u00a0<\/span><\/p>

3.1 kerusuhan, pemogokan, penghalangan bekerja, tawuran, huru-hara, pembangkitan rakyat, pengambil-alihan kekuasan, revolusi, pemberontakan, kekuatan militer, invasi, perang saudara, perang dan permusuhan, makar, terorisme, sabotase, penjarahan;<\/span><\/p>

3..2 gempa bumi, letusan gunung berapi,angin topan, badai, tsunami, hujan es, banjir, genangan air, tanah longsor atau gejala geologi atau meteorologi lainnya;<\/span><\/p>

3.3 reaksi nuklir, termasuk tetapi tidak terbatas pada radiasi nuklir, ionisasi, fusi, fisi atau pencemaran radio aktif, tanpa memandang apakah itu terjadi di dalam atau di luar Kendaraan Bermotor dan\/atau kepentingan yang dipertanggungkan.<\/span><\/p>

4. Pertanggungan ini tidak menjamin kerugian, kerusakan dan\/atau biaya atas Kendaraan Bermotor dan\/atau tanggung jawab hukum terhadap pihak ketiga jika:\u00a0<\/span><\/p>

4.1 disebabkan oleh tindakan sengaja Tertanggung dan\/atau pengemudi dan\/atau orang yang bekerja pada dan\/atau orang suruhan Tertanggung;\u00a0<\/span><\/p>

4.2 pada saat terjadinya kerugian atau kerusakan, Kendaraan Bermotor dikemudikan oleh seseorang yang tidak memiliki Surat Izin Mengemudi (SIM) yang masih berlaku dan sesuai dengan peruntukannya sebagaimana diatur dalam peraturan perundang-undangan mengenai lalu lintas yang berlaku. Pengecualian ini tidak berlaku dalam hal kehilangan kendaraan yang sedang diparkir.\u00a0<\/span><\/p>

4.3 dikemudikan oleh seorang yang berada di bawah pengaruh minuman keras, obat terlarang atau sesuatu bahan lain yang membahayakan;\u00a0<\/span><\/p>

4.4 dikemudikan secara paksa walaupun secara teknis kondisi kendaraan dalam keadaan rusak atau tidak laik jalan;\u00a0<\/span><\/p>

4.5 memasuki atau melewati jalan tertutup, terlarang, tidak diperuntukkan untuk Kendaraan Bermotor atau melanggar rambu-rambu lalu-lintas.\u00a0<\/span><\/p>

5. Pertanggungan ini tidak menjamin kerugian dan\/atau kerusakan atas :\u00a0<\/span><\/p>

5.1 perlengkapan tambahan yang tidak disebutkan pada Polis;\u00a0<\/span><\/p>

5.2 ban, velg, dop yang tidak disertai kerusakan pada bagian lain Kendaraan Bermotor kecuali yang disebabkan oleh risiko yang dijamin pada Pasal 1 ayat (1) butir 1.2, 1.3, 1.4 dalam Polis ini;\u00a0<\/span><\/p>

5.3 kunci dan\/atau bagian lainnya dari Kendaraan Bermotor pada saat tidak melekat atau tidak berada di dalam kendaraan tersebut;\u00a0<\/span><\/p>

5.4 bagian atau material Kendaraan Bermotor yang aus karena pemakaian, sifat kekurangan material sendiri atau salah dalam menggunakannya;\u00a0<\/span><\/p>

5.5 Surat Tanda Nomor Kendaraan (STNK), Buku Pemilik Kendaraan Bermotor (BPKB) dan\/atau surat-surat lain Kendaraan Bermotor.\u00a0<\/span><\/p>

6. Pertanggungan ini tidak menjamin tanggung jawab hukum terhadap pihak ketiga yang secara langsung atau tidak langsung disebabkan oleh Kendaraan Bermotor atas:\u00a0<\/span><\/p>

6.1 kerusakan atau kehilangan harta benda yang diangkut, dimuat atau dibongkar dari Kendaraan Bermotor;\u00a0<\/span><\/p>

6.2 kerusakan jalan, jembatan, viaduct, bangunan yang terdapat di bawah, di atas, di samping jalan sebagai akibat dari getaran, berat Kendaraan Bermotor atau muatannya.\u00a0<\/span><\/p>

7. Pertanggungan ini tidak menjamin kehilangan keuntungan, upah, berkurangnya harga atau kerugian keuangan lainnya yang diderita Tertanggung.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

PENGECUALIAN Asuransi Motor TOB 1. Pertanggungan ini tidak menjamin kerugian, kerusakan, biaya atas Kendaraan Bermotor dan\/atau tanggung jawab hukum terhadap pihak ketiga, yang disebabkan oleh : 1.1 Kendaraan Bermotor digunakan untuk :\u00a0 \u00a0 \u00a0 \u00a01.1.1 menarik atau mendorong kendaraan atau benda lain, memberi pelajaran mengemudi;\u00a0 \u00a0 \u00a0 \u00a01.1.2 turut serta dalam perlombaan, latihan, penyaluran hobi […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-5380","page","type-page","status-publish","hentry"],"yoast_head":"\nPengecualian | Una Indonesia<\/title>\n<meta name=\"description\" content=\"Lihat semua pengecualian yang berlaku untuk Klaim manfaat Asuransi Motor - Asuransi Motor TOB di aplikasi Una.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/una-community.com\/id\/pengecualian-asuransi-motor-tob\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pengecualian Motor - Asuransi Motor TOB\" \/>\n<meta property=\"og:description\" content=\"Lihat semua pengecualian yang berlaku untuk Klaim manfaat Asuransi Motor - Asuransi Motor TOB di aplikasi Una.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/una-community.com\/id\/pengecualian-asuransi-motor-tob\/\" \/>\n<meta property=\"og:site_name\" content=\"Una Indonesia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/UnaIndonesia.Info\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-10T03:20:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/una-community.com\/wp-content\/uploads\/2023\/02\/UNA_U-Logo-REBRANDING-2-03.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2273\" \/>\n\t<meta property=\"og:image:height\" content=\"2437\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Estimasi waktu membaca\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 menit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/una-community.com\\\/pengecualian-asuransi-motor-tob\\\/\",\"url\":\"https:\\\/\\\/una-community.com\\\/pengecualian-asuransi-motor-tob\\\/\",\"name\":\"Pengecualian | Una Indonesia\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/una-community.com\\\/#website\"},\"datePublished\":\"2025-06-10T03:05:03+00:00\",\"dateModified\":\"2025-06-10T03:20:42+00:00\",\"description\":\"Lihat semua pengecualian yang berlaku untuk Klaim manfaat Asuransi Motor - 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