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"Perkembangan teknologi informasi dimanfaatkan dalam bisnis asuransi yang salah satunya adalah menerbitkan polis elektronik atau e-polis. Polis elektronik atau e-polis merupakan polis yang dikenal pada umumnya namun dibuatnya melalui sistem internet. Penerbitan polis elektronik tidak dapat terlepas dari penggunaan transaksi elektronik yang dikenal dengan e-commerce. Dikarenakan penerbitan polis elektronik tidak didahului dengan adanya pertemuan atau memperlihatkan para pihak saat melakukan perjanjian asuransinya, maka dipertanyakan bentuk kesepakatannya sehingga polis elektronik ini dapat terbit dan menjadi perjanjian yang sah serta bentuk polis elektronik ini menjamin perlindungan hukum bagi pihak tertanggung.

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The development of information technology is used in the insurance business, one of which is policy insurance electronic or e-policy. Policy insurance electronic or e-policy is a policy which is known generally but it is made by the internet system. The publishing of this policy insurance electronic or e-policy can not be separated from the using of electronic transactions as known as e-commerce. Due to e-policy is not preceded by a meeting of the parties or show the parties when making the insurance agreement, then in question the form of agreement that e-policy can be published and become a valid agreement also the form of e-policy ensures how the legal protection for the insured person."

"Polis asuransi adalah dasar dari suatu hubungan asuransi antara para pihak yang terlibat di dalamnya, yang meliputi penanggung, tertanggung, peserta, dan/atau pemegang polis. Seiring dengan kemajuan zaman dan perkembangan teknologi, polis asuransi pada saat ini tidak hanya berbentuk fisik (hardcopy), melainkan juga dalam bentuk elektronik (e-polis) atau dalam bentuk digital (softcopy). Tesis ini membahas permasalahan mengenai pengaturan polis asuransi elektronik di dalam peraturan perundang-undangan perasuransian dan perundangan terkait, keabsahan dari polis asuransi elektronik, dan bagaimana kekuatan pembuktian dari polis asuransi elektronik (e-polis) dalam hal terjadi sengketa klaim antara penanggung dengan tertanggung, peserta, dan/atau pemegang polis. Metode penulisan yang digunakan adalah metode yuridis-normatif, dengan teori kebebasan berkontrak digunakan sebagai pisau analisa untuk menganalisis polis asuransi elektronik (e-polis) tersebut. Keberadaan polis asuransi elektronik (e-polis) sejatinya diakui di dalam ketentuan perundang-undangan, secara spesifik di dalam Peraturan Otoritas Jasa Keuangan No. 23/POJK.05/2015 tentang Produk Asuransi dan Pemasaran Produk Asuransi, dan dianggap sama seperti polis asuransi konvensional, serta memiliki kekuatan pembuktian dan keabsahan sebagai dasar hubungan asuransi antara penanggung dengan tertanggung, peserta, dan/atau pemegang polis sepanjang telah memperoleh persetujuan dari tertanggung, peserta, dan/atau pemegang polis mengenai penerbitannya secara elektronik. Namun demikian masih terdapat celah hukum, dimana tidak disebutkan secara jelas di dalam Peraturan Otoritas Jasa Keuangan No. 23/POJK.05/2015 mengenai bentuk persetujuan yang dimaksud.

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Insurance policy is the basis of an insurance relation between the parties therein, which consist of the insurer, the insured, the participant, and/or the policy holder. In line with the times and the development of technology, the existence of insurance policies nowadays is not only in the physical form (hardcopy), but also in the electronic form (e-policy/softcopy). This thesis will explore the issues of the electronic insurance policy in the regulation related to the insurance sector and any other related regulation, the validity of the aforementioned electronic insurance policy (e-policy), as well as the legitimacy of the electronic insurance policy as evidence in tems of a claim dispute among the insured and the insured, the participant, and/or the policy holder. The method used in this thesis is the yuridis-normatif method, where the freedom of contract theory will be used as a tool to analyze the aforementioned electronic insurance policy (e-policy). The electronic insurance policy (e-policy) is basically acknowledged in the prevailing regulation, especially in the Financial Service Authority Regulation No. 23/POJK.05/2015 concerning Insurance Products and the Marketing of Insurance Products, and is considered equal to the conventional insurance policy, and has its legitimacy and validity as the basis of the insurance relation among the insurer and the insured, the participant, and/or the policy holder as long as it has obtained approvals from the insured, the participant, and/or the policy holder for its issuance. However, the form and the purpose of the approval need to be emphasized as there is no firm explanation about the approval in POJK No. 23/POJK.05/2015. "

"Penerbitan polis asuransi elektronik merupakan salah satu dampak yang dirasakan dari adanya perkembangan teknologi dalam industri asuransi. Dalam hal ini, penerbitan polis asuransi elektronik dapat menimbulkan permasalahan karena polis asuransi diterbitkan dalam bentuk digital/elektronik dan bukan secara fisik/cetak. Hal tersebut membuat Tertanggung mengalami kendala berupa kesulitan dalam melakukan pengaksesan polis asuransi elektronik yang dimilikinya, sehingga berdampak pada kurangnya pemahaman yang didapatkan oleh Tertanggung tentang informasi pertanggungan yang terdapat dalam polis asuransi elektronik. Permasalahan yang demikian ini dapat ditemukan dalam pertanggungan asuransi unit link yang melibatkan Agen Asuransi, Perusahaan Asuransi dan Tertanggung dalam Putusan Nomor 404/Pdt.G/2020/PN Tng. Secara garis besar, Tertanggung mempersoalkan tindakan-tindakan Agen Asuransi dan Perusahaan Asuransi yang dinilai merugikan dan tidak bertanggung jawab setelah dilakukannya penerbitan polis asuransi elektronik dalam pertanggungan. Adapun metode penelitian yang digunakan dalam penulisan ini adalah menggunakan pendekatan yuridis normatif dengan mengkaji bahan-bahan kepustakaan hukum, peraturan perundang-undangan, dan prinsip-prinsip hukum yang berlaku dengan putusan pengadilan. Hasil temuan dari penelitian ini adalah Agen Asuransi dan Perusahaan Asuransi telah sama-sama menjalankan hak dan kewajibannya dalam penerbitan polis asuransi elektronik Tertanggung, sehingga Agen Asuransi dan Perusahaan Asuransi telah melaksanakan tanggung jawab dengan sebagaimana mestinya dan tidak dapat dijatuhi hukuman, baik dari aspek pertanggungjawaban pidana dan aspek pertanggungjawaban perdata.

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Issuance of electronic insurance policy is one of the impacts felt from technological developments in the insurance industry which can cause problems because insurance policy is issued in digital/electronic form. This made the Insured experience problems in the form of difficulties in accessing electronic insurance policy, as the result in a lack of understanding by the Insured regarding the coverage information contained in the electronic insurance policy. Such problems can be found in unit link insurance coverage involving Insurance Agents, Insurance Company, and the Insured in Decision Number 404/Pdt.G/2020/PN Tng. Broadly speaking, the Insured questioned the actions of the Insurance Agent and the Insurance Company which were considered detrimental and irresponsible after the issuance of the electronic insurance policy in the coverage. The research method used in this writing is to use a normative juridical approach by examining legal literature, statutory regulations, and legal principles that apply to court decision. The result of this study is the Insurance Agent and the Insurance Company have both carried out their rights and obligations in issuing the Insured's electronic insurance policy, so that they have carried out their responsibilities properly and cannot be sentenced, both from the aspect of criminal and civil liability."

"ABSTRAKPrinsip insurable interest merupakan hal yang sangat penting dalam suatuperjanjian asuransi jiwa. Keberadaan prinsip insurable interest pada dasarnyamencegah terjadinya penyalahgunaan asuransi sebagai media untuk mendapatkan keuntungan dengan cara yang tidak benar, perjudian dan taruhan, serta mencegah terjadinya pembayaran manfaat asuransi kepada pihak-pihak yang tidak menderita kerugian atas terjadinya suatu keadaan yang diasuransikan. Seseorang dapat mengasuransikan seseorang lainnya apabila terdapat insurable interest terhadap orang yang hendak diasuransikan tersebut. Namun, di Indonesia, masih belum terdapat peraturan perundang-undangan yang mampu menjadi pedoman dalam mengatur prinsip insurable interest. Penelitian ini meneliti bagaimana seseorang dapat dikatakan memiliki insurable interest terhadap seorang lainnya sehingga dapat digunakan sebagai suatu pedoman dalam menentukan apakah seorang yang hendak mengasuransikan seorang lainnya, memiliki insurable interest terhadap orang yang hendak diasuransikan tersebut

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ABSTRACTThe principle of insurable interest takes a crucial role in a contract of lifeinsurance. The existence of insurable interest principle basically is purposed todiminish any chance of misuse upon the insurance as the insurance may be used as the vehicle to gain some sort of benefit in a wrongful way, gaming and wagering, and as well as to prevent any person to receive some compensation without any los due to an occurrence upon a specific circumstance assured. One can only assure the other if insurable interest exists upon the assured person. However, in Indonesia, no provision neither law can be found as the guidance to regulate insurable interest principle. This research seeks how one can be deemed for having insurable interest toward the assured person and, and therefore, this research can be used as the guidance in determining whether one is having insurable interest toward the assured person."

"PT X merupakan pemotong PPh pasal 23 dan/atau 26. Pada bulan Agustus 2020 DJPmengeluarkan peraturan yang mewajibkan seluruh Wajib Pajak melakukan pelaporanpajak melalui aplikasi e-Bupot mulai masa September 2020. Terkait kewajibanperpajakan tersebut, timbul implikasi bahwa biaya kepatuhan akan mengalamiperubahan. Penelitian ini menganalisis perubahan biaya yang terjadi dengan adanyakewajiban e-Bupot. Skripsi ini menggunakan metode kualitatif melalui observasi teknispenerapan e-Bupot dan wawancara dengan internal accounting di PT X untukmenganalisis dampak penerapan aplikasi e-Bupot terhadap biaya kepatuhan. Biayakepatuhan yang akan dianalisis terdiri dari biaya yang berhubungan dengan uang, biayayang berhubungan dengan waktu, dan biaya yang berhubungan dengan psikologis. Hasildari penelitian ini menunjukkan perubahan biaya kepatuhan yang terjadi akibat daripenerapan aplikasi e-Bupot

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PT X is a withholding income tax article 23 and / or 26. In August 2020, the DGT issued

a regulation requiring all taxpayers to report tax through the e-Bupot application starting

from September 2020. Regarding these tax obligations, an implication arises that costs

will change. This study analyzes changes in costs that occur with e-Bupot obligations.

This thesis uses qualitative methods through observation of the application of e-Bupot

and interviews with PT X's internal accounting for the impact of the application of the e-

Bupot application on cost compliance. Compliance costs will be analyzed from costs

related to money, costs related to time, and costs related to psychological. The results of

this study indicate changes as a result of the application of e-Bupot"

"Tesis ini membahas mengenai Lembaga Penjaminan Polis Asuransi sebagai perlindungan hukum atas pemegang polis dalam kondisi gagal bayar perusahaan asuransi (mengacu pada Best Practice di Jepang Dan Inggris). Penelitian ini menggunakan metode yuridis-normatif dimana data penelitian sebagian besar berasal dari studi kepustakaan. Hasil penelitian ini adalah 1) Lembaga Penjaminan polis Asuransi Jiwa di Jepang dan di Inggris dapat memberikan perlindungan hukum atas hak pemegang polis dalam kondisi gagal bayar perusahaan asuransi melalui lembaga masing-masing LIPPCJ dan FSCS. 2) Urgensi pembentukan Lembaga Penjaminan Polis Asuransi untuk memberikan kepastian hukum bilamana terjadi kondisi gagal bayar Perusahaan Asuransi. 3) Pembentukan Lembaga Penjaminan Polis di Indonesia sangat bermanfaat untuk melindungi Pemegang Polis dan akan meningkatkan kepercayaan masyarakat terhadap industri perasuransian. Penulis memberikan saran Lembaga Penjaminan Polis di Indonesia sebagai Lembaga Independen yang mempunyai mekanisme kelembagaan tersendiri dan mengikutsertakan produk asuransi yang memiliki risiko gagal bayar paling utama yaitu Asuransi Umum dan Asuransi Jiwa.

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This thesis discusses the Insurance Policy Guarantee Corporation as legal protection for policyholders in state of Insurance Company Default (referring to Best Practice in Japan and UK). This research uses the juridical-normative method, where the research data mostly comes from literature studies. The results of this study are 1) Life Insurance Policy Guarantee Corporations in Japan and the UK can provide legal protection for the rights of policyholders in the state of insurance company default through their respective institutions, LIPPCJ and FSCS. 2) The urgency of establishing an Insurance Policy Guarantee Corporation to provide legal certainty in state of Insurance Company Failure to pay. 3) The establishment of a Insurance Policy Guarantee Corporation in Indonesia is very beneficial to protect policyholders. It will increase public confidence in the insurance industry. The author suggests that the Policy Guarantee Corporation in Indonesia is possible as an independent institution which has independent institutional mechanism and includes all insurance products that have main risk of default namely General Insurance and Life Insurance.

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"Tesis ini membahas tentang perlindungan hukum bagi pemegang polis asuransi tunjangan dan jaminan hari tua oleh perusahaan asuransi yang gagal bayar serta bentuk tanggung jawab jiwasraya kepada para pemegang polis akibat gagal nya jiwasraya memenuhi kewajiban nya dalam polis. Tesis ini menggunakan metode penelitian yuridis normatif dengan menggunakan bahan penelitian berupa bahan kepustakaan dan peraturan perundang-undangan yang terkait. Pada penelitian ini ditemukan bahwa belum ada pengaturan maupun mekanisme khusus terkait perlindungan dan jaminan yang diberikan kepada para pemegang polis ketika perusahaan penanggung mengalami kegagalan bayar. Jiwasraya sebagai penanggung bersama dengan telah memberikan perlindungan hukum represif berupa melakukan restrukturisasi polis dengan mengalihkan polis kepada perusahaan asuransi lainnya sebagai upaya penyelamatan manfaat polis. Perlu ada pengaturan khusus terkait adanya lembaga penjamin polis demi memberikan kepastian dan perlindugan bagi para pemegang polis.

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This thesis discusses legal protection for insurance Policy Holders, Allowance and Old Days Guarantee by insurance companies that fail to pay and Jiwasraya’s form of responsibility to policyholders due to Jiwasraya’s failure to fulfill his obligations. This thesis uses normative juridical research methods that use research materials in the form of literature and related laws and regulations. In this research, there are no specific laws and regulations which giving protection for policy holders when insurance companies fail to pay his obligations. Jiwasraya as an insurer with government has giving repressive legal protection with policy restructurisations to save the benefits of the police. There is a need for special regulations about policy guarantee institution to provide legal certainty and also protection for policy holders."

"Skripsi ini membahas penerapan kebijakan Faktur Pajak Berbentuk Elektronik ditinjau dari asas efisiensi di PT XYZ dalam memberikan kemudahan administrasi dalam hal pemenuhan kewajiban PPN. Penelitian ini adalah penelitian kualitatif dengan desain deskriptif.Hasil penelitian ini adalah penerapan kebijakan Faktur Pajak Berbentuk Elektronik yang masih dalam tahap awal ini belum efisien terbukti dengan masih banyaknya kendala-kendala yang terjadi dalam penerapan Faktur Pajak Berbentuk Elektronik di PT XYZ.

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This paper discusses the implementation of the policy Electronic Tax Invoice in terms of efficiency principle in XYZ Corp in providing ease of administration in terms of VAT compliance obligations. This study is a descriptive qualitative research design.The results of this study is the implementation of the policy Electronic Tax Invoice is still in early stage is not yet efficient proven by the many problems that occur in the implementation of policy Electronic Tax Invoice in XYZ Corp."

"ABSTRAKKebijakan jalan berbayar elektronik atau yang juga dikenal denganElectronic Road Pricing (ERP) merupakan salah satu bentuk kebijakan publikyang dibuat oleh Pemerintah Provinsi DKI Jakarta guna mengatasi persoalankemacetan lalu lintas. Pada skema jalan berbayar elektronik, pengendara mobilpribadi diharapkan meninggalkan mobil pribadinya dan beralih menggunakanangkutan umum massal guna memenuhi kebutuhan perjalanan. Penelitian inibertujuan menganalisis respons masyarakat yang berkantor di jalan Sudirman-Thamrin, yang setiap harinya harus melewati jalan yang akan diterapkan kebijakanERP tersebut.Hasil penelitian menunjukkan bahwa sebanyak 74% pengendara mobilpribadi yang berkantor di kawasan Sudirman sampai dengan MH. Thamrin Jakartabersedia melewati jalan berbayar elektronik pada besaran tarif awal per-sekalijalan sampai dengan Rp. 35.000,-. Sementara itu, sebanyak 26% pengendara mobilpribadi yang berkantor di kawasan ini tidak bersedia melewati jalan berbayar danmemilih alternatif lain guna memenuhi kebutuhan mobilisasinya, antara lain:beralih menggunakan angkutan umum massal sebagai alat transportasi (14%),tetap menggunakan mobil pribadi namun melewati rute jalan alternatif di luarkawasan jalan berbayar untuk perjalanan dari dan menuju lokasi tujuan (5%),memarkirkan mobil pribadinya di lokasi-lokasi parkir diluar kawasan jalanberbayar (2%), tetap menggunakan mobil pribadinya namun mengubah waktuperjalanan (1%), mengubah lokasi tempat tinggal (1%), dan beralih menggunaankendaraan pribadi lain seperti sepeda roda dua dan sepeda motor.Hasil analisis menggunakan metode logit juga menunjukkan adanyabeberapa faktor sosial ekonomi yang mempengaruhi respons pengendara mobilpribadi yang berkantor di jalan Sudirman-Thamrin Jakarta dalam menyikapikebijakan jalan berbayar, yaitu (1) jenis kelamin, dimana lebih banyak perempuanyang cenderung memilih melewati jalan berbayar (2) jenis pekerjaan, dimana lebihbanyak pekerja swasta yang bersedia melewati jalan berbayar (3) pengetahuantentang jalan berbayar, dimana pengendara mobil pribadi yang mengetahui skemakebijakan ini akan cenderung bersedia melewati jalan berbayar, serta (4) pengaruhfaktor penghasilan kurang dari Rp 9.999.000,- yang membuat pengendara mobilcenderung untuk tidak bersedia melewati jalan berbayar

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ABSTRACTElectronic Road Pricing (ERP) policy is a public policy initiated by theProvincial Government of Jakarta. It aims to overcome the problem of trafficcongestion. On its scheme, private vehicles are expected to release his personal carfor transportation and switching it to the use of public transportation. The researchaims to analyze the response of people who works at the area of Jenderal Sudirman? MH. Thamrin and will have to drive their car through the road pricing area.This study shows that in order to avoid the element of coercion, themotorists initiate rational choices, which is also reflected as people?s response tothe new social norms or rules. The majority respondents response (74%) stillwilling to crossing the road with the starting tariff at Rp.35.000,- as per one trip ofmobilization. Meanwhile, 26% respondent is refuse to use the road pricing andwould prefer using another options for the trips, such as: using publictransportation (14%), keep using personal car but will passing the alternative roadto avoid the road tariff (5%), parking their car at the parking lot outside the roadpricing area (2%), changing times for making trips (1%), change their residencelocation (1%), and switching the car use to bicycle use or motorcycle.Furthermore, the study found some socio-economic factors that wouldinfluence people?s response to the road pricing policy, which are (1) gender; mostof female motorist would like passing the road pricing area (2) jobs; most ofprivate sector workers would like passing the road pricing area (3) knowledgeabout ERP; most of motorists who are aware to the scheme of electronic roadpricing would prefer passing the road and pay the tariff (4) the income amount ofless than Rp 9.999.000,- influences motorists would not passing the road pricing"

"[ABSTRAKAsuransi 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.

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ABSTRACTInsurance 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.]"