Terbongkar Ada Menteri Ikut Booking, Vanessa Angel Maunya Langsung Short Time Rp 60 Juta

Sosok menteri disebut pernah membooking mantan artis FTV Vanessa Angel.

Fakta baru itu terungkap dalam lanjutan persidangan kasus prostitusi online melibatkan Vanessa Angel.

Dalam persidangan yang digelar di Pengadilan Negeri atau PN Surabaya itu, Jaksa Penuntut Umum (JPU) menyampaikan sosok menteri dari keterangan mucikari artis.

Kepada sosok menteri itu, Vanessa Angel ingin dibayar Rp 60 juta untuk short time. Vanessa Angel inginnya langsung 'melayani' di kamar tidak usah pakai dinner.

Terungkapnya sosok menteri itu terungkap dalam sidang dakwaan Intan Permatasari Winindya Chasanovri alias Nindy, mucikari artis Vanessa Angel.

Terungkap, Vanessa Angel pernah menolak tawaran kencan dinner 'mimik-mimik cantik' mimican untuk menemani seorang menteri yang tak disebutkan detail tersebut.

Dalam dakwaan jaksa diceritakan, perkara ini berawal dari pertemuan Rian Subroto dengan Dhani (DPO) di Cafe Delight Lumajang pada awal Desember 2018 lalu.

Kepada Rian Subroto, Dhani menawarkan bahwa dirinya bisa mencarikan artis wanita atau selebgram untuk diajak kencan dalam artian berhubungan badan/seks.

Rian pun tertarik tawaran tersebut.

Intan Permatasari Winindya Chasanovri alias Nindy, muncikari artis Vanessa Angel akhirnya didudukan di kursi pesakitan Pengadilan Negeri (PN) Surabaya sebagai terdakwa perkara dugaan prostitusi online, Kamis (4/4/2019)
Intan Permatasari Winindya Chasanovri alias Nindy, muncikari artis Vanessa Angel akhirnya didudukan di kursi pesakitan Pengadilan Negeri (PN) Surabaya sebagai terdakwa perkara dugaan prostitusi online, Kamis (4/4/2019) (TribunJatim.com/Syamsul Arifin)
Selanjutnya pada 23 Desember 2018 Nindy dihubungi oleh saksi Tentri Novanta melalui telepon yang menanyakan apakah artis yang bernama Vanessa Angel bisa diajak untuk menemani kliennya yang katanya seorang menteri untuk diajak dinner 'mimik-mimik cantik' mimican.

"Tentri Novanta melalui telepon yang menanyakan apakah artis yang bernama Vanessa Angel bisa diajak untuk menemani kliennya yang katanya seorang menteri untuk diajak dinner mimik-mimik cantik atau mimican," kata JPU Winarko.

Kemudian terdakwa menghubungi temannya yang bernama Fitriandri pemilik Vitly Management.

Kepada terdakwa, Fitriandri mengatakan bahwa Vanessa Angel maunya langsung ngamar atau menemani di dalam kamar (BO).

"Disebut pula harga yang dipatok apabila ingin membooking Vanessa Angel, yaitu Rp 60 juta untuk short time.

Itu belum termasuk tiket pesawat pulang pergi kelas bisnis dengan membawa asisten, DP setengah harga dan dilunasi saat pesawat landing," tambah Winarko saat membacakan surat dakwaan.

Hal itu oleh terdakwa disampaikan ke Tentri dan langsung disetujui.

Selanjutnya pada 3 Januari, Tentri mengirim uang senilai Rp 20 juta ke rekening terdakwa.

Oleh terdakwa langsung diteruskan ke rekening Fitriandri bersamaan bukti booking tiket pesawat pulang pergi Surabaya-Jakarta.

Pada tanggal 5 Januari 2019, Tentri mentransfer lagi uang senilai Rp 42,5 juta ke rekening terdakwa untuk pelunasan booking Vanessa Angel.

Bahwa selanjutnya pada tanggal 5 Januari 2019, Vanessa Angel dan Rian Subroto ditangkap oleh petugas Polda Jatim yang saat itu berada di dalam kamar hotel Vasa, Jalan HR Muhammad 31 Surabaya.

Terdakwa mengetahui kabar penggerebekan kasus prostitusi itu pada sore harinya, melalui kabar dari Fitriandri.

Terdakwa berhasil ditangkap pada 16 Januari 2019 saat sedang berada di rumah kontrakan di Cluster Serua Mansion No. 14 Kecamatan Pamulang Kota Tangerang Selatan.

“Perbuatan terdakwa sebagaimana diatur dan diancam pidana dalam pasal 45 ayat (1) Jo Pasal 27 ayat 1 UU RI No. 19 tahun 2016 tentang Perubahan atas UU RI No. 11 tahun 2008 tentang Informasi dan Transaksi Elektronik Jo. Pasal 55 ayat (1) ke-1 KUHP,” tandasnya.

Vanessa Angel saat memberikan keterangan dalam sidang lanjutan mucikari Siska dan Tentri di Ruang Garuda 1, Pengadilan Negeri Surabaya, Senin, (1/4/2019).
Vanessa Angel saat memberikan keterangan dalam sidang lanjutan mucikari Siska dan Tentri di Ruang Garuda 1, Pengadilan Negeri Surabaya, Senin, (1/4/2019). (tribun jatim/syamsul arifin)
Vanessa Angel kecewa

Mengetahui tarif dalam kasus prostitusi online tak sebesar seperti yang beredar di masyarakat, Vanessa Angel bereaksi.

Vanessa Angel mengaku kecewa, sebab, tarif prostitusi online dalam kasus yang membuatnya meringkuk di penjara lebih kecil dibandingkan dengan nilai yang selama ini beredar.

Berapa tarif Vanessa Angel sebenarnya? Terungkap dalam persidangan perdana saat Vanessa Angel menjadi saksi untuk dua terdakwa mucikari prostitusi online, yakni mucikari Endang Suhartini alias Siska dan mucikari Tentri Novanta.

Besaran nominal transaksi dugaan prostitusi online yang diberikan kepada Vanessa Angel bukan Rp 80 juta per jam. Nominal yang diberikan jauh lebih kecil, yakni hanya Rp 35 juta.

Hal itu seperti yang diungkapkan oleh Jaksa Penuntut Umum (JPU), Novan Arianto. Menurutnya, Vanessa Angel mengaku hanya menerima Rp 35 juta.

“Memang tadi sempat terungkap dalam persidangan VA ( Vanessa Angel) menerima Rp 35 juta. Dia kecewa dengan ada pemberitaan demikian itu saja," kata JPU Novan selepas sidang, Senin, (1/4/2019).

"Tapi ini kan belum pemeriksaan keseluruhan baru satu saja,” ujarnya.

Saat ditanya terkait saksi Rian Subroto pengguna jasa Vanessa yang batal hadir, JPU Novan mengaku belum ada konfirmasi dari Rian yang menurut kepolisian sebagai pengguna jasa Vanessa Angel.

“Untuk Rian belum ada konfirmasi, tapi ini kan baru panggilan pertama. Ada enam saksi yang kami hadirkan dan mereka memastikan hadir pada pekan depan,” terangnya.

Diketahui, Vanessa Angel turut hadir dalam sidang lanjutan mucikarinya, hal ini adanya dugaan keterkaitan kasus prostitusi online yang menjerat dirinya.

“Karena dalam kasus ini yang tertangkap dulu Vanessa terkait tersangka lainnya itu ditangkap karena ada hubungannya dengan Vanessa cara mereka sendiri adalah sebagai perantara atau mucikari,” tandas JPU dari Kejati Jatim tersebut.


Vanessa jadi saksi

Tersangka penyebar foto dan video tak senonoh, Vanessa Angel hadir sebagai saksi dua mucikari Endang Suhartini alias Siska dan Tentri Novanta di Pengadilan Negeri (PN) Surabaya, Senin (1/4/2019).

Vanessa terlihat mengenakan rompi tahanan Kejari Surabaya serta masker menutupi wajahnya.

Kedatangannya ini sekitar pukul 12.30 WIB dari Rutan Medaeng, Sidoarjo, Senin, (1/4/2019).

Ia menjadi saksi dalam kasus prostitusi online yang menjerat mucikari Siska dan Tantri.

Vanessa keluar dari Ruang Tahanan pada pukul 14.30 WIB, dia hanya terdiam saat ditanya terkait persiapan sidang.

Sementara itu, mucikari artis Siska mengaku sehat dan siap menjalani sidang.

“Siap kok,” kata Siska, Senin, (1/4/2019).

Vanessa mengenakan kemeja berwarna biru dongker dibalut rompi merah bertuliskan tahanan Kejari Surabaya.


Sidang digelar tertutup

Sidang lanjutan kasus prostitusi online artis digelar secara tertutup di Pengadilan Negeri Surabaya, Senin (1/4/2019).

Sidang tersebut beragendakan mendengarkan keterangan saksi-saksi.

Ada lima saksi yang bakal dihadirkan oleh Jaksa Penuntut Umum (JPU).

Lima saksi yang sudah dipanggil jaksa bersaksi dalam sidang kali ini.

"Ada lima saksi dipanggil untuk sidang terdakwa mucikari. Vanessa Angel, Avriellia Shaqqila, dua penyidik Polda Jatim, dan Rian Subroto (pria yang diduga pemesan jasa kencan Vanessa)," ungkap Kepala Seksi Penerangan Hukum Kejati Jatim, Richard Marpaung, Senin, (1/4/2019).

Richard mengatakan, kemungkinan sidang dengan agenda mendengarkan keterangan saksi fakta itu digelar secara tertutup.

Hal ini dikarenakan terdapat keterangan yang berbau asusila.

"Tapi nanti terserah hakim, yang punya kewenangan kan pengadilan," tandasnya.

Diberitakan sebelumnya, perkara prostitusi online yang melibatkan nama aktris Vanessa Angelia Adzan alias Vanessa Angel mulai disidang di Pengadilan Negeri Surabaya, Jawa Timur, 25 Maret 2019.

Dalam sidang dengan terdakwa Endang Suhartini alias Siska dan Tentri Novanto alias Tentri itu, transaksi kencan Vanessa terungkap gamblang dalam surat dakwaan.

Vanessa Angel ingin tobat

Sebelumnya, Vanessa Angel ingin bertobat setelah terseret kasus prostitusi online yang membuatnya masuk penjara.

Curahan hati (curhat) Vanessa Angel yang ingin menjadi pribadi lebih baik disampaikan aktor Nicky Tirta saat membesuknya di Mapolda Jatim.

Seperti diketahui, Vanessa Angel dipenjara karena tuduhan menjajakan diri dalam prostitusi online.

Vanessa Angel ditangkap di sebuah hotel di Surabaya saat sedang melayani seorang pengusaha tambang bernama Rian Subroto.

Beberapa waktu lalu, artis peran Nicky Tirta mengunjungi rekannya, Vanessa Angel, yang ditahan di Polda Jawa Timur atas dugaan pelanggaran Undang Undang ITE terkait prostitusi online.

Menurut Nicky, kondisi Vanessa lebih baik dari sebelumnya.

Vanessa Angel menjadi lebih religius.

"Sekarang lebih banyak ibadah di sana," kata Nicky dalam wawancara di Lippo Mall Kemang, Jakarta Selatan, Jumat (29/3/2019).

Nicky melihat Vanessa Angel mengalami banyak perubahan selama di tahanan.

Kepada Nicky, Vanessa mengaku ingin menjadi pribadi yang lebih baik lagi.

"Dia adalah teman, sahabat saya, sekaligus adik saya yang ingin menjadi manusia lebih baik lagi.

Soal cerita curhat saya sama Vanessa, saya enggak mau terlalu jadi konsumsi publik," kata dia.

Sebagai teman, Nicky hanya ingin menjenguk dan memberikan dukungan moril kepada Vanessa.

Menurut dia, dukungan adalah yang terpenting ketika seseorang mengalami masalah.

Diberitakan sebelumnya, Vanessa Angel digerebek oleh polisi di sebuah kamar hotel di Surabaya, Jawa Timur, pada 5 Januari 2019 karena diduga terlibat kasus prostitusi online.

Vanessa Angel diduga menerima tarif sebesar Rp 80 juta dan dibagi bersama mucikari.

Ia juga disebut sudah melakukan transaksi sebanyak dua kali di Singapura, enam transaksi di Jakarta, dan satu kali transaksi di Surabaya.

Menurut Nicky Tirta faktor pikiran membuat rekannya,Vanessa Angel, kerap sakit selama berada di Rumah Tahanan Polda Jawa Timur.

"Intinya dia sering sakit, ya, mungkin banyak pikiran," kata Nicky.

"(Yang ada dipikiran Vanessa) next (karier) dia akan seperti apa?

Penilaian publik seperti apa? Itu kan pikiran yang benar-benar berat buat dia. Ada perbedaanya," kata Nicky.

"Kita yang bebas misalnya kita bisa makan apa saja yang kita mau, tapi Vanessa kan ada keterbatasannya," sambung dia.

Sebagai sahabat, Nicky hanya bisa memberikan dukungan moril dengan menjenguk Vanessa.

Ia berharap kasus yang menimpa Vanessa Angel bisa segera selesai.

"Kalau kamu bisa serius, kamu pasti bisa jadi lebih besar dari sekarang.

Itu kata-kata saya pada saat itu berharap lebih baik ke depannya," kata Nicky.

"Saat ini yang Vanessa butuhkan adalah support, terutama dari orang-orang terdekat dan dukungan itu menurut Vanessa amat luar biasa," katanya.

Vanessa Angel banyak bercerita kepada Nicky saat dikunjungi.

Kini Vanessa Angel banyak mendekatkan diri kepada Sang Pencipta.

Menurut Nicky, bila ada manusia yang ingin menjadi lebih baik lagi dan telah menyadari kesalahannya, harus diberi dukungan.

Karena itu, kata Nicky, ia beberapa waktu lalu membagikan cerita lewat akun Instagram terkait sahabatnya yang mengalami perubaham.

"Kalau curhat banyak. Tapi, saya bukan tipikal yang menceritakan curhat orang karena menyangkut pribadi orang lain.

Yang saya post pun secukupnya saja. Saya enggak mau terlalu jauh mencampuri," kata Nicky.

Vanessa Angel Sangat Ingin Bertemu Ayahnya

Trainer sekaligus motivator Ayu Kyla yang menangani layanan bimbingan konseling psikologi di dalam Rumah Tahanan Dit Tahti Polda Jatim, mengatakan bahwa artis peran Vanessa Angel saat ini kondisinya semakin terpuruk.

Ayu mengatakan, hal itu ia ketahui setelah bertemu dengan Vanessa Angel beberapa hari lalu, saat hendak memberikan layanan konseling untuk memotivasi Vanessa Angel.

"Terakhir ketemu Selasa (26/3/2019), kemarin jam 15.15 WIB, kondisinya memang sudah sakit, sempat enggak bisa BAB dua hari, kondisi badannya panas, bibirnya sudah kering, sudah kurus," ucap Ayu saat ditemui usai tampil di salah satu acara stasiun televisi swasta di kawasan Mampang, Jakarta Selatan, Jumat (29/3/2019).

Menurut Ayu, Vanessa Angel sakit lantaran asam lambungnya yang tinggi karena stressnya meningkat.

Kata Ayu, Vanessa Angel mengaku sangat merindukan ayahnya dan sangat ingin bertemu.

Ia juga berharap ayahnya bisa memberinya semangat dalam menjalani masalah dugaan kasus prostitusi yang menjerat dirinya.

"Saat ini yang dibutuhkan memang sosok seorang ayah. Atau kalau VA punya pasangan atau mungkin nanti akan punya pasangan itu diharapkan datang. Kenapa mengharapkan daddy bisa datang? itu harapan terakhir VA saat ini, benar-benar sangat rindu," tuturnya.

Ayu menambahkan, bahwa Vanessa Angel sendiri merasa dirinya sangat kesepian karena harus menghadapi kasus tersebut seorang diri tanpa dukungan keluarga dan sahabatnya.

"Pemasukan secara ekonomi juga berkurang, terus kondisi seperti ini mungkin teman-teman yang dekat belum semua bisa tengok, dia merasa sendiri, merasa apa yang dihadapi harus ditanggung sendiri," imbuhnya.

Kabar terbaru Vanessa Angel

Vanessa Angel mendapat pengawalan ketat dari pasukan Polda Jatim saat digelandang ke tahanan Kejaksaan Negeri atau Kejari Surabaya.

Pengawalan ketat tersebut tatkala mantan Bibi Ardiansyah itu dipindahkan dari tahanan Polda Jatim ke tahanan Kejari Surabaya.

Kini, Vanessa Angel resmi mengenakan rompi warna merah alias jadi tahanan Kejari Surabaya.

Sekitar dua jam lebih Vanessa Angel menjalani proses tahap II di kantor Kejari Surabaya yang beralamatkan di Jalan Sukomanunggal tersebut.

Vanessa Angel hanya terdiam dan tertunduk saat keluar dari Kejari Surabaya.

Dia dikawal ketat oleh pihak kepolisian Polda Jatim dan dinyatakan telah pindah penahanan di Rutan Medaeng, Sidoarjo.

Kepala Kejari Surabaya, Teguh Darmawan, menjelaskan pihaknya menerima pelimpahan Vanessa Angel beserta barang buktinya dari dari Polda Jatim.

“Ini kan masih proses setelah ini kami akan bentuk tim jaksa yang juga melibatkan Kejaksaan tinggi nanti Tim dari Kejati membuat surat dakwaan nantinya akan dilakukan pelimpahan ke pengadilan,” ujarnya, Jumat, (29/3/2019).

Terkait barang bukti yang diikutsertakan yakni uang tunai senilai Rp 35 juta.

“Satu lagi rekening koran udah itu saja untuk pasal yang disangkakan 27 ayat 1 undang-undang ITE juncto 55 sama contoh 256 KUHP. Ada dua atau tiga pasal pokoknya nanti semuanya Jaksa dari Kejati,” terangnya.

Sementara itu, Kasi Pidum Kejari Surabaya, Didik Adyotomo, menambahkan pihaknya akan menyiapkan lima jaksa dari Kejari dan dua dari Kejati Jatim.

“Total ada Tujuh jaksa yang akan menangani kasus tersebut,” tandas Didik.

Penyidikan Vanessa Angel selesai

Kepolisian Daerah Jawa Timur resmi melimpahkan berkas tahap II kasus prostitusi online yang melibatkan tersangka Vanessa Angelke pihak Kejaksaan Negeri Surabaya, Jumat (29/3/2019).

Pelimpahan tersangka Venessa Angel beserta seluruh barang bukti menandakan bahwa penyidikan kasus prostitusi online terhadap yang bersangkutan dinyatakan lengkap tahap II.

Kabid Humas Polda Jatim, Kombes Pol Frans Barung Mangera menjelaskan penyidik sudah memperbaiki sekaligus melengkapi berkas P19 yang menjadi permintaan dari pihak Jaksa Penuntut Umum (JPU).

Setelah dinyatakan lengkap selaku penyidik menyerahkan berkas tahap II tersangka VA beserta barang bukti ke pihak Kejaksaan Negeri Surabaya.

"Hal yang dilakukan penyidik Subdit V Siber Ditreskrimsus Polda Jatim sudah selesai sehingga berkas tahap II pelimpahan tersangka Vanessa Angel beserta barang bukti diserahkan ke pihak Kejaksaan," ungkapnya di Mapolda Jatim, Jumat (29/3/2019).

Barung Mangera menjelaskan pelimpahan tahap II terhadap yang bersangkutan sudah sesuai mekanisme sehingga tidak berpatokan dengan berakhirnya masa perpanjangan penahanan Vanesaa Angel tahap II.

Kasus Vanessa Angel merupakan Criminal Justice System seperti yang ada di Rebuplik Indonesia merupakan suatu kasus agar cepat diselesaikan di persidangan.

"Karena azas hukum adalah cepat, tepat dan biaya murah. Kami mengharapkan ini terjadi di Jawa Timur yang artinya koordinasi ini tepat, pelaksanaan persidangan cepat khususnya kasus VA ini," jelasnya.

Ditambahkannya, penyidikan kasus prostitusi online yang melibatkan tersangka Vanessa Angel tidak berhenti sampai berkas tahap II.

Pasalnya, semuanya itu akan ditentukan putusan di peradilan.

Apabila ada putusan peradilan mengenai pemeriksaan saksi lainnya maka penyidik wajib melakukan pemeriksaan itu kembali.

"Untuk mendapatkan itu tentunya tidak hanya berhenti sampai P21 tetapi juga adalah putusan Peradilan nanti yang berkaitan mungkin dengan penyidikan yang akan kita lakukan," ujar Barung Mangera.

Seperti yang diberitakan, lebih dari dua bulan Vanessa Angelmendekam di Rumah Tahanan (Rutan) Dit Tahti Polda Jatim.

Saat itu, Vanessa Angel resmi ditahan, Kamis (31/1/2019) pukul 14.55 WIB.

Penahanan tahap II Vanessa Angel sempat diperpanjang selama 40 hari untuk kepentingan penyidikan sekaligus pemeriksaan terhadap artis yang diduga terlibat prostitusi online.

Penyidik Subdi V Siber Ditreskrimsus Polda Jatim akhirnya memindahkan Vanessa Angel dari Rutan Dit Tahti Polda Jatim ke pihak Kejaksaan Surabaya, Jumat (29/3/2019).

Adapun barang bukti yang diserahkan penyidik Polda Jatim ke pihak Kejaksaan meliputi data digital yang berisi percakapanVanessa Angel bersama mucikari rekening koran hingga foto dan video dari yang bersangkutan.

Vanessa Angel resmi menyandang status tersangka terkait keterlibatannya dalam jaringan prostitusi online.

Venessa Angel disangka melanggar Pasal 27 ayat 1 UU ITE, yang terbukti berperan aktif mendistribusikan konten pornografi berupa foto dan video dirinya ke mucikari hingga menyebar ke user atau pengguna prostitusi online.

Vanessa Angel berhijab

Dua bulan mendekam di balik jeruji besi penjara membuat Vanessa Angel mengubah penampilannya saat bertatap muka dengan sang pacar, Bibi Ardiansyah.

Vanessa Angel tampak mengenakan hijab untuk menutupi rambutnya yang biasanya terurai.

Penampilan terbaru Vanessa Angel ini diketahui saat artis yang terjerat perkara prostitus online ini melakukan video call dengan Bibi Ardiansyah.

Bibi Ardiansyah tampak antusias melihat perubahan penampilan Vanessa Angel dan langsung mengunggahnya di instagram story.

Di insta story-nya Senin (1/4/2019), Bibi Ardiansyah membagikan tangkap layar panggilan video call Vanessa Angel kepadanya.

"Allahumma Yassir Walaa Tu’assir, semoga semua berjalan lancar ya," tulis Bibi dalam keterangan foto.

Dalam sambungan video call tersebut Vanessa Angel tampil cantik mengenakan hijab berwarna fuschia dengan motif abstrak.

Penampilan baru Vanessa Angel ini pun sempat membuat Bibi Ardiansyah tersenyum sumringah.

Seakan senyum Bibi kepadanya menular, Vanessa Angel pun tampak tersenyum sumringah dalam sambungan video call tersebut.

Tak ayal penampilan baru Vanessa Angel dalam balutan hijab pun sempat banjir pujian dari publik.

@nabilafaykaputrisetiawan: @bibliss cantik banget. Support terus vanesa menjadi lebih baik.

@etnikgaleri: Dia lagi di sayang Allah, dg cobaan ini Vanes jd mengingat Allah. Semua milik Allah dan semua akan kembalinya.Allhamdulillah Vanes masih diberi kesempatan untuk memperbaiki diri. Insya Allah.

@diana_p_wahyuni: Ya ampun Vanessa-ku cantik sekali pakai hijab.

@fidyaseee: Alhamdulilah seneng banget liatnya, semangat terus ka Vanessa!

@anita_fifa: Vanessa tuh tambah cantik pakai kerudung ya @bibliss.

Tak hanya ramai dibanjiri pujian dari publik, unggahan terbaru Bibi Ardiansyah ini pun seolah menepis isu miring tentang hubungan keduanya.

Terlebih lagi ketika Bibi Ardiansyah selama ini diketahui tidak pernah memberikan konfirmasi apapun mengenai kabar keretakan hubungannya dengan Vanessa Angel.

Ingin Tobat

Sebelumnya, Vanessa Angel ingin bertobat setelah terseret kasus prostitusi online yang membuatnya masuk penjara.

Curahan hati (curhat) Vanessa Angel yang ingin menjadi pribadi lebih baik disampaikan aktor Nicky Tirta saat membesuknya di Mapolda Jatim.

Seperti diketahui, Vanessa Angel dipenjara karena tuduhan menjajakan diri dalam prostitusi online.

Vanessa Angel ditangkap di sebuah hotel di Surabaya saat sedang melayani seorang pengusaha tambang bernama Rian Subroto.

Beberapa waktu lalu, artis peran Nicky Tirta mengunjungi rekannya, Vanessa Angel, yang ditahan di Polda Jawa Timur atas dugaan pelanggaran Undang Undang ITE terkait prostitusi online.

Menurut Nicky, kondisi Vanessa lebih baik dari sebelumnya.

Vanessa Angel menjadi lebih religius.

"Sekarang lebih banyak ibadah di sana," kata Nicky dalam wawancara di Lippo Mall Kemang, Jakarta Selatan, Jumat (29/3/2019).

Nicky melihat Vanessa Angel mengalami banyak perubahan selama di tahanan.

Kepada Nicky, Vanessa Angel mengaku ingin menjadi pribadi yang lebih baik lagi.

"Dia adalah teman, sahabat saya, sekaligus adik saya yang ingin menjadi manusia lebih baik lagi.

Soal cerita curhat saya sama Vanessa Angel, saya enggak mau terlalu jadi konsumsi publik," kata dia.

Sebagai teman, Nicky hanya ingin menjenguk dan memberikan dukungan moril kepada Vanessa.

Menurut dia, dukungan adalah yang terpenting ketika seseorang mengalami masalah.

Diberitakan sebelumnya, Vanessa Angel digerebek oleh polisi di sebuah kamar hotel di Surabaya, Jawa Timur, pada 5 Januari 2019 karena diduga terlibat kasus prostitusi online.

Vanessa Angel diduga menerima tarif sebesar Rp 80 juta dan dibagi bersama mucikari.

Ia juga disebut sudah melakukan transaksi sebanyak dua kali di Singapura, enam transaksi di Jakarta, dan satu kali transaksi di Surabaya.

Menurut Nicky Tirta faktor pikiran membuat rekannya, Vanessa Angel, kerap sakit selama berada di Rumah Tahanan Polda Jawa Timur.

"Intinya dia sering sakit, ya, mungkin banyak pikiran," kata Nicky.

"(Yang ada dipikiran Vanessa) next (karier) dia akan seperti apa?

Penilaian publik seperti apa? Itu kan pikiran yang benar-benar berat buat dia. Ada perbedaanya," kata Nicky.

"Kita yang bebas misalnya kita bisa makan apa saja yang kita mau, tapi Vanessa kan ada keterbatasannya," sambung dia.

Sebagai sahabat, Nicky hanya bisa memberikan dukungan moril dengan menjenguk Vanessa.

Ia berharap kasus yang menimpa Vanessa Angel bisa segera selesai.

"Kalau kamu bisa serius, kamu pasti bisa jadi lebih besar dari sekarang.

Itu kata-kata saya pada saat itu berharap lebih baik ke depannya," kata Nicky.

"Saat ini yang Vanessa butuhkan adalah support, terutama dari orang-orang terdekat dan dukungan itu menurut Vanessa amat luar biasa," katanya.

Vanessa Angel banyak bercerita kepada Nicky saat dikunjungi.

Kini Vanessa Angel banyak mendekatkan diri kepada Sang Pencipta.

Menurut Nicky, bila ada manusia yang ingin menjadi lebih baik lagi dan telah menyadari kesalahannya, harus diberi dukungan.

Karena itu, kata Nicky, ia beberapa waktu lalu membagikan cerita lewat akun Instagram terkait sahabatnya yang mengalami perubaham.

"Kalau curhat banyak. Tapi, saya bukan tipikal yang menceritakan curhat orang karena menyangkut pribadi orang lain.

Yang saya post pun secukupnya saja. Saya enggak mau terlalu jauh mencampuri," kata Nicky.

Fakta Persidangan Mencengangkan

Tarif prostitusi Vanessa Angel ternyata lebih kecil dibandingkan dengan nilai yang selama ini beredar.

Hal ini terungkap saat Vanessa Angel menjadi saksi untuk dua terdakwa mucikari prostitusi online, yakni mucikari Endang Suhartini alias Siska dan mucikari Tentri Novanta.

Besaran nominal transaksi dugaan prostitusi online yang diberikan kepada Vanessa Angel bukan Rp 80 juta per jam. Nominal yang diberikan jauh lebih kecil, yakni hanya Rp 35 juta.

Hal itu seperti yang diungkapkan oleh Jaksa Penuntut Umum (JPU), Novan Arianto. Menurutnya, Vanessa Angel mengaku hanya menerima Rp 35 juta.

“Memang tadi sempat terungkap dalam persidangan VA ( Vanessa Angel) menerima Rp 35 juta. Dia kecewa dengan ada pemberitaan demikian itu saja," kata JPU Novan selepas sidang, Senin, (1/4/2019).

"Tapi ini kan belum pemeriksaan keseluruhan baru satu saja,” ujarnya.

Saat ditanya terkait saksi Rian Subroto pengguna jasa Vanessa yang batal hadir, JPU Novan mengaku belum ada konfirmasi dari Rian yang menurut kepolisian sebagai pengguna jasa Vanessa Angel.

“Untuk Rian belum ada konfirmasi, tapi ini kan baru panggilan pertama. Ada enam saksi yang kami hadirkan dan mereka memastikan hadir pada pekan depan,” terangnya.

Diketahui, Vanessa Angel turut hadir dalam sidang lanjutan mucikarinya, hal ini adanya dugaan keterkaitan kasus prostitusi online yang menjerat dirinya.

“Karena dalam kasus ini yang tertangkap dulu Vanessa terkait tersangka lainnya itu ditangkap karena ada hubungannya dengan Vanessa cara mereka sendiri adalah sebagai perantara atau mucikari,” tandas JPU dari Kejati Jatim tersebut.


Sumber

Fire Insurance Under Indian Insurance Law A contract of Insurance comes into being when a person seeking insurance protection enters into a contract with the insurer to indemnify him against loss of property by or incidental to fire and or lightening, explosion, etc. This is primarily a contract and hence as is governed by the general law of contract. However, it has certain special features as insurance transactions, such as utmost faith, insurable interest, indemnity, subrogation and contribution, etc. these principles are common in all insurance contracts and are governed by special principles of law. FIRE INSURANCE: According to S. 2(6A), "fire insurance business" means the business of effecting, otherwise than incidentally to some other class of insurance business, contracts of insurance against loss by or incidental to fire or other occurrence, customarily included among the risks insured against in fire insurance business. According to Halsbury, it is a contract of insurance by which the insurer agrees for consideration to indemnify the assured up to a certain extent and subject to certain terms and conditions against loss or damage by fire, which may happen to the property of the assured during a specific period. Thus, fire insurance is a contract whereby the person, seeking insurance protection, enters into a contract with the insurer to indemnify him against loss of property by or incidental to fire or lightning, explosion etc. This policy is designed to insure one's property and other items from loss occurring due to complete or partial damage by fire. In its strict sense, a fire insurance contract is one: 1. Whose principle object is insurance against loss or damage occasioned by fire. 2. The extent of insurer's liability being limited by the sum assured and not necessarily by the extent of loss or damage sustained by the insured: and 3. The insurer having no interest in the safety or destruction of the insured property apart from the liability undertaken under the contract. LAW GOVERNING FIRE INSURANCE There is no statutory enactment governing fire insurance, as in the case of marine insurance which is regulated by the Indian Marine Insurance Act, 1963. the Indian Insurance Act, 1938 mainly dealt with regulation of insurance business as such and not with any general or special principles of the law relating fire of other insurance contracts. So also the General Insurance Business (Nationalization) Act, 1872. in the absence of any legislative enactment on the subject , the courts in India have in dealing with the topic of fire insurance have relied so far on judicial decisions of Courts and opinions of English Jurists. In determining the value of property damaged or destroyed by fire for the purpose of indemnity under a policy of fire insurance, it was the value of the property to the insured, which was to be measured. Prima facie that value was measured by reference of the market value of the property before and after the loss. However such method of assessment was not applicable in cases where the market value did not represent the real value of the property to the insured, as where the property was used by the insured as a home or, for carrying business. In such cases, the measure of indemnity was the cost of reinstatement. In the case of Lucas v. New Zealand Insurance Co. Ltd.[1] where the insured property was purchased and held as an income-producing investment, and therefore the court held that the proper measure of indemnity for damage to the property by fire was the cost of reinstatement. INSURABLE INTEREST A person who is so interested in a property as to have benefit from its existence and prejudice by its destruction is said to have insurable interest in that property. Such a person can insure the property against fire. The interest in the property must exist both at the inception as well as at the time of loss. If it does not exist at the commencement of the contract it cannot be the subject-matter of the insurance and if it does not exist at the time of the loss, he suffers no loss and needs no indemnity. Thus, where he sells the insured property and it is damaged by fire thereafter, he suffers no loss. RISKS COVERED UNDER FIRE INSURANCE POLICY The date of conclusion of a contract of insurance is issuance of the policy is different from the acceptance or assumption of risk. Section 64-VB only lays down broadly that the insurer cannot assume risk prior to the date of receipt of premium. Rule 58 of the Insurance Rules, 1939 speaks about advance payment of premiums in view of sub section (!) of Section 64 VB which enables the insurer to assume the risk from the date onwards. If the proposer did not desire a particular date, it was possible for the proposer to negotiate with insurer about that term. Precisely, therefore the Apex Court has said that final acceptance is that of the assured or the insurer depends simply on the way in which negotiations for insurance have progressed. Though the following are risks which seem to have covered Fire Insurance Policy but are not totally covered under the Policy. Some of contentious areas are as follows: FIRE: Destruction or damage to the property insured by its own fermentation, natural heating or spontaneous combustion or its undergoing any heating or drying process cannot be treated as damage due to fire. For e.g., paints or chemicals in a factory undergoing heat treatment and consequently damaged by fire is not covered. Further, burning of property insured by order of any Public Authority is excluded from the scope of cover. LIGHTNING : Lightning may result in fire damage or other types of damage, such as a roof broken by a falling chimney struck by lightning or cracks in a building due to a lightning strike. Both fire and other types of damages caused by lightning are covered by the policy. AIRCRAFT DAMAGE: The loss or damage to property (by fire or otherwise) directly caused by aircraft and other aerial devices and/ or articles dropped there from is covered. However, destruction or damage resulting from pressure waves caused by aircraft traveling at supersonic speed is excluded from the scope of the policy. RIOTS, STRIKES, MALICIOUS AND TERRORISM DAMAGES: The act of any person taking part along with others in any disturbance of public peace (other than war, invasion, mutiny, civil commotion etc.) is construed to be a riot, strike or a terrorist activity. Unlawful action would not be covered under the policy. STORM, CYCLONE, TYPHOON, TEMPEST, HURRICANE, TORNADO, FLOOD and INUNDATION: Storm, Cyclone, Typhoon, Tempest, Tornado and Hurricane are all various types of violent natural disturbances that are accompanied by thunder or strong winds or heavy rainfall. Flood or Inundation occurs when the water rises to an abnormal level. Flood or inundation should not only be understood in the common sense of the terms, i.e., flood in river or lakes, but also accumulation of water due to choked drains would be deemed to be flood. IMPACT DAMAGE: Impact by any Rail/ Road vehicle or animal by direct contact with the insured property is covered. However, such vehicles or animals should not belong to or owned by the insured or any occupier of the premises or their employees while acting in the course of their employment. SUBSIDENCE AND LANDSLIDE INCULUDING ROCKSIDE: Destruction or damage caused by Subsidence of part of the site on which the property stands or Landslide/ Rockslide is covered. While Subsidence means sinking of land or building to a lower level, Landslide means sliding down of land usually on a hill. However, normal cracking, settlement or bedding down of new structures; settlement or movement of made up ground; coastal or river erosion; defective design or workmanship or use of defective materials; and demolition, construction, structural alterations or repair of any property or ground-works or excavations, are not covered. BURSTING AND/OR OVERFLOWING OF WATER TANKS, APPARATUS AND PIPES: Loss or damage to property by water or otherwise on account of bursting or accidental overflowing of water tanks, apparatus and pipes is covered. MISSILE TESTING OPERATIONS: Destruction or damage, due to impact or otherwise from trajectory/ projectiles in connection with missile testing operations by the Insured or anyone else, is covered. LEAKAGE FROM AUTOMATIC SPRINKLER INSTALLATIONS: Damage, caused by water accidentally discharged or leaked out from automatic sprinkler installations in the insured's premises, is covered. However, such destruction or damage caused by repairs or alterations to the buildings or premises; repairs removal or extension of the sprinkler installation; and defects in construction known to the insured, are not covered. BUSH FIRE: This covers damage caused by burning, whether accidental or otherwise, of bush and jungles and the clearing of lands by fire, but excludes destruction or damage, caused by Forest Fire. RISKS NOT COVERED BY FIRE INSURANCE POLICY Claims not maintainable/ covered under this policy are as follows: o Theft during or after the occurrence of any insured risks o War or nuclear perils o Electrical breakdowns o Ordered burning by a public authority o Subterranean fire o Loss or damage to bullion, precious stones, curios (value more than Rs.10000), plans, drawings, money, securities, cheque books, computer records except if they are categorically included. o Loss or damage to property moved to a different location (except machinery and equipment for cleaning, repairs or renovation for more than 60 days). CHARACTERICTICS OF FIRE INSURANCE CONTRACT A fire insurance contract has the following characteristics namely: (a) Fire insurance is a personal contract A fire insurance contract does not ensure the safety of the insured property. Its purpose is to see that the insured does not suffer loss by reason of his interest in the insured property. Hence, if his connection with the insured property ceases by being transferred to another person, the contract of insurance also comes to an end. It is not so connected with the subject matter of the insurance as to pass automatically to the new owner to whom the subject is transferred. The contract of fire insurance is thus a mere a personal contract between the insured and the insurer for the payment of money. It can be validly assigned to another only with the consent of the insurer. (b) It is entire and indivisible contract. Where the insurance is of a binding and its contents of stock and machinery, the contract is expressly agreed to be divisible. Thus , where the insured is guilty of breach of duty towards the insurer in respect of one subject matters covered by the policy , the insurer can avoid the contract as a whole and not only in respect of that particular subject mater , unless the right is restricted by the terms of the policy. (c) Cause of fire is immaterial In insuring against fire, the insured wishes to protect him from any loss or detriment which he may suffer upon the occurrence of a fire, however it may be caused. So long as the loss is due to fire within the meaning of the policy, it is immaterial what the cause of fire is, generally. Thus , whether it was because the fire was lighted improperly or was lighted properly but negligently attended to thereafter or whether the fire was caused on account of the negligence of the insured or his servants or strangers is immaterial and the insurer is liable to indemnify the insured. In the absence of fraud, the proximate cause of the loss only is to be looked to. The cause of the fire however becomes material to be investigated (1). Where the fire is occasioned not by the negligence of, but by the willful (2) Where the fire is due is to cause falling with the exception in the contract. LIMITATION OF TIME Indemnity insurance was an agreement by the insurer to confer on the insured a contractual right, which prima facie, came into existence immediately when the loss was suffered by the happening of an event insured against, to be put by the insurer into the same position in which the accused would have had the event not occurred but in no better position. There was a primary liability, i.e. to indemnify, and a secondary liability i.e. to put the insured in his pre-loss position, either by paying him a specifying amount or it might be in some other manner. But the fact that the insurer had an option as to the way in which he would put the insured into pre-loss position did not mean that he was not liable to indemnify him in one way or another, immediately the loss occurred. The primary liability arises on the happening of the event insured against. So, the time ran from the date of the loss and not from the date on which the policy was avoided and any suit filed after that time limit would be barred by limitation.[2] WHO MAY INSURE AGAINST FIRE? Only those who have insurable interest in a property can take fire insurance thereon. The following are among the class of persons who have been held to possess insurable interest in, property and can insure such property: 1. Owners of property, whether sole, or joint owner, or partner in the firm owning the property. It is not necessary that they should possession also. Thus a lesser and a lessee can both insure it jointly or severely. 2. The vender and purchaser have both rights to insure. The vendor's interest continues until the conveyance is completed and even thereafter, if he has an unpaid vendor's lien over it. 3. The mortgagor and mortgagee have both distinct interests in the mortgaged property and can insure, per Lord Esher M.R."The mortgagee does not claim his interest through the mortgagor , but by virtue of the mortgage which has given him an interest distinct from that of the mortgagor"[3] 4. Trustees are legal owners and beneficiaries the beneficial owners of trust property and each can insure it. 5. Bailees such as carriers, pawnbrokers or warehouse men are responsible for there safety of the property entrusted to them and so can insure it. PERSON NOT ENTITLED TO INSURE One who has no insurable interest in a property cannot insure it. For example: 1. An unsecured creditor cannot insure his debtor's property, because his right is only against the debtor personally. He can, however, insure the debtor's life. 2. A shareholder in a company cannot insure the property of the company as he has no insurable interest in any asset of the company even if he is the sole shareholder. As was the case of Macaura v. Northen Assurance Co.[4] Macaura. Because neither as a simple creditor nor as a shareholder had he any insurable interest in it. CONCEPT OF UTMOST FAITH As all contracts of insurance are contracts of utmost good faith, the proposer for fire insurance is also under a positive duty to make a full disclosure of all material facts and not to make any misrepresentations or misdescreptions thereof during the negotiations for obtaining the policy. This duty of utmost good faith applies equally to the insurer and the insured. There must be complete good faith on the part of the assured. This duty to observe utmost good faith is ensured b requiring the proposer to declare that the statements in the proposal form are true, that they shall be the basis of the contract and that any incorrect or false statement therein shall avoid the policy. The insurer can then rely on them to assess the risk and to fix appropriate premium and accept the risk or decline it. The questions in the proposal form for a fire policy are so framed as to get all information which is material to the insurer to know in order to assess the risk and fix the premium, that is, all material facts. Thus the proposer is required too give information relating to: o The proposer's name and address and occupation o The description of the subject matter to be insured sufficient for the purpose of identifying it including, o A description of the locality where it is situated o How the property is being used, whether for any manufacturing purpose or hazardous trade.etc o Whether it has already been insured o And also ant personal insurance history including the claims if any made buy the proposer, etc. Apart from questions in the proposal form, the proposer should disclose whether questioned or not- 1. Any information which would indicate the risk of fire to be above normal; 2. Any fact which would indicate that the insurer's liability may be more than normal can be expected such as existence of valuable manuscripts or documents, etc, and 3. Any information bearing upon the more; hazard involved. The proposer is not obliged to disclose- 1. Information which the insurer may be presumed to know in the ordinary course of his business as an insurer; 2. Facts which tend to show that the risk is lesser than otherwise; 3. Facts as to which information is waived by the insurer; and 4. Facts which need not disclosed in view of a policy condition. Thus, assured is under a solemn obligation to make full disclosure of material facts which may be relevant for the insurer to take into account while deciding whether the proposal should be accepted or not. While making a disclosure of the relevant facts, the DOCTRINE OF PROXIMATE CAUSE Where more perils than one act simultaneously or successively, it will be difficult to assess the relative effect of each peril or pick out one of these as the actual cause of the loss. In such cases, the doctrine of proximate cause helps to determine the actual cause of the loss. Proximate cause was defined in Pawsey v. Scottish Union and National Ins. Co.,[5]as "the active, effective cause that sets in motion a train of events which brings about a result without the intervention of any force started and working actively from a new and independent source." It is dominant and effective cause even though it is not the nearest in time. It is therefore necessary when a loss occurs to investigate and ascertain what is the proximate cause of the loss in order to determine whether the insurer is liable for the loss. PROXIMATE CAUSE OF DAMAGE A fire policy covers risks where damage is caused by way of fire. The fire may be caused by lightening, by explosion or implosion. It may be result of riot, strike or on account of any, malicious act. However these factors must ultimately lead to a fire and the fire must be the proximate cause of damage. Therefore, a loss caused by theft of property by militants would not be covered by the fire policy. The view that the loss was covered under the malicious act clause and therefore .the insurer was liable to meet the claim is untenable, because unless and until fire is the proximate cause f damage, no claim under a fire policy would be maintainable.[6] PROCEDURE FOR TAKING A FIRE INSURANCE POLICY The steps involved for taking a fire insurance policy are mentioned below: 1. Selection of the Insurance Company: There are many companies that offer fire insurance against unforeseen events. The individual or the company must take care in the selection of an insurance company. The judgment should rest on factors like goodwill, and long term standing in the market. The insurance companies can either be approached directly or through agents, some of them who are appointed by the company itself. 2. Submission of the Proposal Form: The individual or the business owner must submit a completed prescribed proposal form with the necessary details to the insurance company for proper consideration and subsequent approval. The information in the Proposal Form should be given in good faith and must be accompanied by documents that verify the actual worth of the property or goods that are to be insured. Most of the companies have their own personalized Proposal Forms wherein the exact information has to be provided. 3. Survey of the Property/ Consideration: Once the duly filled Proposal Form is submitted to the insurance company, it makes an "on the spot" survey of the property or the goods that are the subject matter of the insurance. This is usually done by the investigators, or the surveyors, who are appointed by the company and they need to report back to them after a thorough research and survey. This is imperative to assess the risk involved and calculate the rate of premium. 4. Acceptance of the Proposal: Once the detailed and comprehensive report is submitted to the insurance company by the surveyors and related officers, the former makes a thorough perusal of the Proposal Form and the report. If the company is satisfied that their is no lacuna or foul play or fraud involved, it formally "accepts" the Proposal Form and directs the insured to pay the first premium to the company. It is to be noted that the insurance policy commences after the payment and the acceptance of the premium by the insured and the company, respectively. The Insurance Company issues a Cover Note after the acceptance of the first premium. PROCEDURE ON RECEIPT OF NOTICE OF LOSS On receipt of the notice of loss, the insurer requires the insured to furnish details pertaining to the loss in a claim from relating to the following information- 1. Circumstances and cause of the fire; 2. Occupancy and situation of the premises in which the fire occurred; 3. Insured's interest in the insured property; that is capacity in which the insured claims and whether any others are interested in the property; 4. Other insurances on the property; 5. Value of each item of the property at the time of loss together with proofs thereof , and value of the salvage ,if any; and 6. Amount claimed Furnishing such information relating to the claim is also a condition precedent to the liability of the insurer. The above information will enable the insurer to verify whether- (1) The policy is in force; (2) The peril causing the loss is an insured peril; (3) The property damaged or lost is the insured property. Rules for calculation of value of property The value of the insured property is- 1) Its value at the time of loss, and 2) At the place of loss, and 3) Its real or intrinsic value without any regard for its sentimental vale. Loss of prospective profit or other consequential loss is not to be taken into account. FILING OF CLAIMS How a claim arises? After a contract of fire insurance has come into existence, a claim may arise by the operation of one or more insured perils on an unsecured property. There may in addition one or more uninsured perils also operating simultaneously or in succession of the property. In order that the claim should be valid the following conditions must be fulfilled: 1. The occurrence should take place due to the operation of an insured peril or where both insured and other perils operated , the dominant or efficient cause of the loss must have been an insured peril; 2. The operation of the peril must not come within the scope of the policy exceptions; 3. The event must have caused loss or damage of the insured property; 4. The occurrence must be during the currency of the policy; 5. The insured must have fulfilled all the policy conditions and should also comply with requirements to be fulfilled after the claim had arisen. MATERIAL FACTS IN FIRE INSURANCE: PREVIOUS CONVICTION OF THE ACCUSED The criminal record of an assured could affect the moral hazard, which insurers had to assess, and the non-disclosure of a serious criminal offence like robbery by the plaintiff would a material non-disclosure. INSURED'S DUTY ON OUTBREAK OF FIRE, IMPLIED DUTY On the outbreak of a fire the insured is under an implied duty to observe good faith towards the insurers and the in pursuance of it the insured must do his best to avert or minimize the loss. For this purpose he must (1) take all reasonable measures to put out the fire or prevent its spread, and (2) assist the fire brigade and others in their attempts to do so at any rate not come in their way. With this object the insured property may be removed to a place of safety. Any loss or damage the insured property may sustain in the course of attempts to combat the fire or during its removal to a place of safety etc., will be deemed to be loss proximately caused by the fire. If the insured fails in his duty willfully and thereby increases the burden of the insurer, the insured will be deprived of his right to revive any indemnity under the policy.[7] INSURER'S RIGHTS ON THE OUTBREAK OF FIRE (A) Implied Rights Corresponding to the insured's duties the insurers have rights by the law, in view of the liability they have undertaken to indemnify the insured. Thus the insurers have a right to- o Take reasonable measures to extinguish the fire and to minimize the loss to property, and o For that purpose, to enter upon and take possession of the property. The insurers will be liable to make good all the damage the property may sustain during the steps taken to put out the fire and as long as it in their possession, because all that is considered the natural and direct consequence of the fire; it has therefore been held in the case of Ahmedbhoy Habibhoy v. Bombay Fire Marine Ins. Co [8] that the extent of the damage flowing from the insured peril must be assessed when the insurer gives back and not as at the time when the peril ceased. (B) Loss caused by steps taken to avert the risk Damage sustained due to action taken to avoid an insured risk was not a consequence of that risk and was not recoverable unless the insured risk had begun to operate. In the case of Liverpool and London and Globe Insurance Co. Ltd v. Canadian General Electric Co. Ltd., [9] the Canadian Supreme Court held that "the loss was caused by the fire fighters' mistaken belief that their action was necessary to avert an explosion , and the loss was not recoverable under the insurance policy, which covered only damage caused by fire explosion., and the loss was not recoverable under the insurance policy, which covered only damage caused by fire or explosion." (C) Express rights Condition 5- in order to protect their rights well insurers have prescribed for better rights expressly in this condition according to which on the happening of any destruction or damage the insurer and every person authorized by the insurer may enter, take or keep possession of the building or premises where the damage has happened or require it to be delivered to them and deal with it for all reasonable purposes like examining, arranging, removing or sell or dispose off the same for the account of whom it may concern. When and how a claim is made? In the event of a fire loss covered under the fire insurance policy, the Insured shall immediately give notice thereof to the insurance company. Within 15 days of the occurrence of such loss, the Insured should submit a claim in writing, giving the details of damages and their estimated values. Details of other insurances on the same property should also be declared. The Insured should procure and produce, at his own expense, any document like plans, account books, investigation reports etc. on demand by the insurance company. HOW INSURANCE MAY CEASE? Insurance under a fire policy may cease in any of the following circumstances, namely: (1) Insurer avoiding the policy by reason of the insured making misrepresentation, misdescription or non-disclosure of any material particular; (2) If there is a fall or displacement of any insured building range or structure or part thereof , then on the expiry of seven days wherefrom, except where the fall or displacement was due to the action of any insured peril; notwithstanding this, the insurance may be revived on revised terms if express notice is given to the company as soon as the occurrence takes place; (3) The insurance may be terminated at any tie at the request of the insured and at the option of the company on 15 days notice to the insured CONCLUSION Tangible property is exposed to numerous risks like fire, floods, explosions, earthquake, riot and war, etc. and insurance protection can be had against most of these risks severally or in combination. The form in which the cover is expressed is numerous and varied. Fire insurance in its strict sense is concerned with giving protection against fire and fire only. So while granting a fire insurance policy all the requisites need be fulfilled. The insured are under a moral and legal obligation to be at utmost good faith and should be telling true facts and not just fake grounds only with the greed to recover money. Further all insurance policies help in the development of a Developing nation. Hence insurance companies have a burden to help the insured when the insured are in trouble. REFERENCE: 1. (1983) VR 698 (Supreme Court of Vienna) 2. Callaghan v. Dominion Insurance Co. Ltd. (1997) 2 Lloyd's Rep. 541 (QBD) 3. Small v. U.K Marine Insurance Association (1897) 2 QB 311 4. (1925) AC 619 5. (1907) Case. 6. National Insurance Company v. Ashok Kumar Barariio 7. Devlin v. Queen Insurance Co, (1882) 46 UCR 611. 8. (1912) 40 IA 10 PC 9. (1981) 123 DLR (3d) 513 (Supreme Court of Canada) Books Referred: 1. The Economics of Fire Protection by Ganapathy Ramachandran 2. Modern Insurance Law, by John Birds 3. The Handbook of Insurance Regulatory and Development Authority Act and Regulations with Allied Laws ,by Nagar Article Source: https://EzineArticles.com/expert/Apoorva_Yadav/129771 Article Source: http://EzineArticles.com/810922

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