It is hereby agreed that this insurance shall not be invalidated by:

1. Any change of occupancy or increase of risk taking place in the property insured without the insured’s knowledge provided that they shall, immediately on the same coming to their knowledge, advise the insures and pay any additional premium that may be required form the date of such increase of risk.

2. Workmen on the premises for the purposes of effecting repairs, minor alterations to the premises or general maintenance purposes and the like.

OUTBUILDINGS CLAUSE (Limit as per schedule)

The insurance by each item under buildings is understood to include walls, gates and fences, small outside buildings, extensions, annexes, exterior staircase, fuel installation, steel or iron framework and thanks in the said premises and the insurance by each item under contents extends to contents of each outbuilding, provided their values are included in the sum insured.


It is hereby declared and agreed that property damage covered under this policy shall mean physical damage to the substance of item insured.

Physical damage to the item (s) insured shall not included loss of or damage:

(A)   To data of software, e.g. any detrimental change in data, software or computers programs caused by any deletion., corruption or deformation of the original structure.

Notwithstanding this, however loss of or damage to data or software which is the direct consequences of insured physical damage to the substance of the item (s) insured shall be covered.

(B)   Resulting form impairment I the function, availability, range of use or accessibility of data, software or computer programs of the items (s) insure.

Consequently a business interruption losses resulting form the above, shall not be covered by this policy. 


This policy extends to cover property described herein whilst in or on platform, alley, yards, outbuildings and/or in the open air on the premises described herein. 


Notwithstanding the provision of article 257 of the Commercial Code (kitab Undang Undang Hukum Dagang) and notwithstanding anything herein contained to the contrary and subject only and without prejudice to clause 2 hereinafter set out it is hereby declared and agreed that it is a condition precedent to liability under this Policy, any Renewal Certificate, Endorsement or Cover Note that any premium due must be paid actually received in full by the company:

a)     When the period of insurance is 30 days or more, within thirty (30) days from the inception date of coverage under the Policy, Renewal Certificate or Cover Note

b)     When the period of Insurance is LESS than thirty (30) days, within the period of insurance specified in the Policy, Endorsement, Renewal Certificate of Cover Note.

In the event any of the above mentioned premium is not paid in full to any received by the Company, as described above in the manner and within the time stipulated above (the “premium warranty period”), the cover under this Policy, Renewal Certificate, Endorsement or Cover Note shall be deemed to have terminated from the expiry of the premium warranty period and the company shall be discharged from all liability there from but without prejudice to any liability incurred before that date and the Company will entitled to a prorate time on risk premium subject to a minimum of Rp. 50,000.-

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  • Budi wrote on 21 January, 2016, 14:38

    Siang Pak Imam,
    Mohon pencerahannya…, Bagaimana jika didalam polis diterapkan deffered premium clause 4x dengan grace periode 14 hari, lalu terjadi klaim sebelum jatuh tempo installment 1 dan pembayaran instalment pertama melewati due date tetapi masih dalam grace periode. Apakah klaim tersebut dijamin ? dan apakah sisa premi harus dibayarkan semua?. Terima kasih,

    Masih dalam grace period : berarti masih AMAN. Klaim tetap dijamin

    apakah sisa premi harus dibayarkan semua? TIDAK

    (tidak ada kewajiban untuk membayar semua utang premi jika terjadi klaim)

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