Posts Tagged ‘Reinstatement Value Clause’

REINSTATEMENT VALUE CLAUSE

It is hereby agreed that in the event of the property insured under the within policy being destroyed or damaged, the basis upon which the amount payable under the policy is to be calculated, shall be the cost of replacing or reinstating on the same site, property of the same kind or type, but not superior to or more extensive than ... Full story

REINSTATEMENT VALUE CLAUSE

It is hereby declared and agreed that in the event of the property insured being destroyed or damaged the basis upon which the amount payable under ……………… of the Policy is to be calculated shall be the cost of replacing or reinstating on the same site property of the same kind or type but not superior to or more extensive than ... Full story

REINSTATEMENT VALUE CLAUSE

REINSTATEMENT VALUE CLAUSE It is hereby declared and agreed that in the event of the property insured being destroyed or damaged the basis upon which the amount Full story

Average: Pertanggungan dibawah harga

Pertanggungan dibawah harga? Apa maksudnya? Jika rumah (gedung) anda seharga Rp 1,000,000,000 tapi anda hanya meng-asuransi-kannya seharga Rp 500,000,000 saja. Maka sangat wajar jika terjadi klaim pihak Asuransi hanya akan membayar ganti rugi  50% dari Harga Sebenarnya (Value at Risk) , itu yang disebut Pertanggungan dibawah harga (under insurance).   Full story

Very Important Clauses : Klausul-Klausul Penting dalam Asuransi Kebakaran (Fire & Property Insurances)

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Indemnity vs Reinstatement

Pernahkah anda mengalami pembayaran klaim asuransi anda dipotong 10%, 20% bahkan lebih dengan alasan depresiasi atau penyusutan??   Menyebalkan bukan?? Pasti anda sangat kecewa sekali… Kecewa sekali karena pihak Asuransi tidak pernah menjelaskannya diawal kontrak Kecewa sekali karena anda diminta untuk membaca wording polis dengan seksama Kecewa sekali karena katanya itulah prinsip dasar Asuransi: Indemnity   Anda memang patut kecewa, karena yang anda perlukan sebenarnya hanyalah melekatkan klausul pemulihan nilai: Reinstatement Value Clause   Full story
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