[ABSTRAK Asuransi merupakan salah satu lembaga keuangan yang terus berkembang seiringdengan membaiknya perkembangan ekonomi di Indonesia. Dengan pesatnyaperkembangan perekonomian dan bisnis yang terjadi, kebutuhan masyarakat akanperlindungan terhadap resiko kerugian semakin meningkat. Namun asuransidalam kenyataannya seringkali tidak dipercaya oleh masyarakat karena praktikasuransi dianggap lebih merugikan daripada menguntungkan. Hal ini diakibatkankarena minimnya perlindungan hukum dalam melakukan perjanjian asuransi.Tulisan ini difokuskan kepada pengaturan aspek kebebasan berkontrak,kecermatan berkontrak serta urgensi pembuatan kontrak berbentuk akta otentikdalam pembuatan polis asuransi. Dalam Undang-Undang, perjanjian asuransisedikit banyak diatur dalam Kitab Undang-Undang Hukum Dagang sedangkanperaturan Undang-Undang dan peraturan pendukung lainnya hanya mengaturaspek asuransi dari segi tata usahanya saja. Penulisan ini menggunakan metodekepustakaan serta wawancara kepada pihak-pihak terkait. Jenis data yangdigunakan adalah data sekunder. Metode analisis yang digunakan adalah metodekualitatif guna mendapatkan data yang bersifat evaluatif analitis. Dasarpembuatan polis asuransi terdapat dalam Kitab Undang-Undang Hukum Dagangpasal 255. Otentifikasi Polis asuransi ditujukan untuk meminimalisir kerugianyang akan muncul dan sebagai bentuk kepastian hukum bagi para pihak.Otentifikasi polis asuransi diharapkan dapat memberikan kepastian lebih terhadapasas kebebasan berkontrak dan unsur kecermatan berkontrak yang merupakansalah satu aspek penting dalam melakukan perjanjian. ABSTRACT Insurance is a financial institution that continues to grow in line with theimproving economic development in Indonesia . With the rapid development ofeconomy and business that happens, public needs protection against the risk ofloss is increasing. But in reality, insurance is often not trusted by the publicbecause of insurance practices are considered more detrimental than beneficial.This is caused by the lack of legal protection in the conduct of insuranceagreement. This paper focuses on the aspect of freedom of contract arrangements,the precision of contract as well as the urgency of making the contract in the formof an authentic act of making an insurance policy. In reality, the insuranceagreement more or less regulated in the Law on Commercial Law Act regulationswhile and other supporting regulations only regulate the insurance aspects of theirbusiness in terms of grammar only. This study, using literature as well asinterviews to the relevant parties . The type of data used are secondary data andprimary data . The analytical method used is a qualitative method to obtainanalytical data that is evaluative . Manufacture of basic insurance policy containedin the Book of the Commercial Law Article 255 . Authentication insurance policyintended to minimize the losses that will arise and as a form of legal certainty forthe parties . Authentication insurance policy is expected to provide more certaintyto the principle of freedom of contract and precision element of contract , which isone important aspect in making agreements.;Insurance is a financial institution that continues to grow in line with theimproving economic development in Indonesia . With the rapid development ofeconomy and business that happens, public needs protection against the risk ofloss is increasing. But in reality, insurance is often not trusted by the publicbecause of insurance practices are considered more detrimental than beneficial.This is caused by the lack of legal protection in the conduct of insuranceagreement. This paper focuses on the aspect of freedom of contract arrangements,the precision of contract as well as the urgency of making the contract in the formof an authentic act of making an insurance policy. In reality, the insuranceagreement more or less regulated in the Law on Commercial Law Act regulationswhile and other supporting regulations only regulate the insurance aspects of theirbusiness in terms of grammar only. This study, using literature as well asinterviews to the relevant parties . The type of data used are secondary data andprimary data . The analytical method used is a qualitative method to obtainanalytical data that is evaluative . Manufacture of basic insurance policy containedin the Book of the Commercial Law Article 255 . Authentication insurance policyintended to minimize the losses that will arise and as a form of legal certainty forthe parties . Authentication insurance policy is expected to provide more certaintyto the principle of freedom of contract and precision element of contract , which isone important aspect in making agreements.;Insurance is a financial institution that continues to grow in line with theimproving economic development in Indonesia . With the rapid development ofeconomy and business that happens, public needs protection against the risk ofloss is increasing. But in reality, insurance is often not trusted by the publicbecause of insurance practices are considered more detrimental than beneficial.This is caused by the lack of legal protection in the conduct of insuranceagreement. This paper focuses on the aspect of freedom of contract arrangements,the precision of contract as well as the urgency of making the contract in the formof an authentic act of making an insurance policy. In reality, the insuranceagreement more or less regulated in the Law on Commercial Law Act regulationswhile and other supporting regulations only regulate the insurance aspects of theirbusiness in terms of grammar only. This study, using literature as well asinterviews to the relevant parties . The type of data used are secondary data andprimary data . The analytical method used is a qualitative method to obtainanalytical data that is evaluative . Manufacture of basic insurance policy containedin the Book of the Commercial Law Article 255 . Authentication insurance policyintended to minimize the losses that will arise and as a form of legal certainty forthe parties . Authentication insurance policy is expected to provide more certaintyto the principle of freedom of contract and precision element of contract , which isone important aspect in making agreements., Insurance is a financial institution that continues to grow in line with theimproving economic development in Indonesia . With the rapid development ofeconomy and business that happens, public needs protection against the risk ofloss is increasing. But in reality, insurance is often not trusted by the publicbecause of insurance practices are considered more detrimental than beneficial.This is caused by the lack of legal protection in the conduct of insuranceagreement. This paper focuses on the aspect of freedom of contract arrangements,the precision of contract as well as the urgency of making the contract in the formof an authentic act of making an insurance policy. In reality, the insuranceagreement more or less regulated in the Law on Commercial Law Act regulationswhile and other supporting regulations only regulate the insurance aspects of theirbusiness in terms of grammar only. This study, using literature as well asinterviews to the relevant parties . The type of data used are secondary data andprimary data . The analytical method used is a qualitative method to obtainanalytical data that is evaluative . Manufacture of basic insurance policy containedin the Book of the Commercial Law Article 255 . Authentication insurance policyintended to minimize the losses that will arise and as a form of legal certainty forthe parties . Authentication insurance policy is expected to provide more certaintyto the principle of freedom of contract and precision element of contract , which isone important aspect in making agreements.] |