Archive for the ‘Fire Insurance’ Category

PAYMENT ON ACCOUNT CLAUSE It is hereby declared and agreed that payment on account of any loss recoverable under this policy will be promptly made by the Insurers to the Insured if so desired by the Insured, provided that such payment are deducted from the finally agreed claim settlement figures. Apa latar belakang perlunya klausul "Payment ... Full story

Polis-Polis dan Klausul-Klausul Bilingual yang diakui AAUI dapat di download di link AAUI berikut ini Full story

Polis-Polis Standar AAUI dan Klausul-Klausulnya dapat di download di link AAUI berikut ini Full story

PROPERTY INSURANCE CLAUSES PUBLIC AUTHORITIES CLAUSE REINSTATEMENT VALUE CLAUSE SPRINKLER LEAKAGE CLAUSE TEMPORARY REMOVAL CLAUSE ARCHITECTS, SURVEYORS AND ENGINEERS EXPENSES ALL OTHER CONTENTS BANKERS CLAUSE CAPITAL ADDITIONS CLAUSE Full story

LANDSLIP AND SUBSIDENCE ENDORSEMENTS (4.10) In consideration of the payment of an additional premium as arranged, Full story

WAIVER OF SUBROGATION CLAUSE Ay claimant under this policy shall at the request and at the expense Full story

CYBER NON – AGGREGATION CLAUSE (NMA2915) Losses arising directly or indirectly out of a. Loss of, alteration of or damage to b. A reduction in the functionally availability or operation of A computer system, hardware program, software data information repository microchip integrated circuit or similar device in ... Full story

STRUCTURAL ALTERATION CLAUSE Subject to article III of the within policy, it is hereby understood Full story

REMOVAL PERMIT CLAUSE It is hereby understood and agree that this policy shall be extended to Full story

REPLACEMENT VALUE CLAUSE It is understood and agreed that otherwise subject to the terms, Full story

PAYMENT ON ACCOUNT CLAUSE It is hereby declared and agrees that payment on account of Full story

NON-INVALIDATION CLAUSE It is hereby agreed that this insurance shall not be invalidated by: Full story

NOTIFICATION CLAUSE The present situation, manner of connection, construction, and nature and interior of the building and also the trade carried on therein, is known to us. Full story

MEMORANDUM ON DISPUTE CLAUSE (C) In the event of any dispute arising between the Insurer and the Insured in respect of the implementation and/ or Interpretation Full story

MIS-DESCRIPTION CLAUSE It is understood and agreed that this Insurance shall notify be prejudiced by any alteration or misdescription of occupancy provided the Insured Full story

LEASED PROPERTY CLAUSE This policy extends to indemnify any other party having an interest in the property insured by virtue of and in accordance with the terms Full story

FIRE EXTINGUISHING COSTS CLAUSE It is hereby agreed and declared that notwithstanding anything in the within policy contained to the contrary, but subject to the Full story

EXPEDITING EXPENSES CLAUSE In the event of loss or damage to the Property Insured or any part thereof the cost of any repair replacement or rectification admitted Full story

ELECTRICAL INSTALLATION CLAUSE Loss or damage by fire to the electrical appliances or installations insured under this policy arising from or occasioned by overrunning, Full story

ESCALATION CLAUSE In consideration of the payment of an additional premium amounting to 10 % of the premium produced by applying the specified percentage Full story

ERRORS AND OMISSION CLAUSE The insured shall not be prejudiced by an unintentional and/or inadvertent omission error incorrect valuation or incorrect description Full story

CURRENCY CLAUSE It is hereby understood and agreed that in case a claimable loss hereunder, if any, if denominated in currency other than the currency stated in the Policy Full story

CUSTOMERS’ GOODS CLAUSE It is hereby declared and agree notwithstanding anything contained in the within policy to the contrary but subject to its terms, Full story

COVER OF FULL REPLACEMENT VALUE It is agreed and understood that otherwise subject to terms, exclusions, provisions and conditions contained in the Policy or Full story

COMPUTER RECORDS CLAUSE This insurance includes cover for computer system records but only for the value of the materials together with the cost of clerical labour Full story

COST OF REWRITING RECORDS AND CLAIM PREPARATION (as per schedule)  On costs and expenses necessarily and reasonably Full story

CONTRACT PRICE CLAUSE In the event of Goods Insured by This Policy having been sold but not delivered for which the Insured is responsible and under the conditions Full story

CLAIM CONTROL CLAUSE Notwithstanding anything to the contrary herein: 1. The leader insurer shall upon Full story

BURST OF PIPE ENDORSEMENT (COMBINED WITH BURSTING OR OVERFLOWING OF THE WATER TANKS CLAUSE) Full story

AVERAGE RELIEF CLAUSE (85%) Whenever A Sum Insured is declared to be subject to the special condition of average, then, if such sum insured shall be at the breaking Full story

In consideration of the Insured undertaking to pay an additional premium at the agreed rate on the amount of loss calculated on a prorata basis from the date of such loss to the expiry of the current period of insurance, it is agreed that in the event of loss the insurance hereunder shall be maintained in force for the full sum insured.  Full story

APPRAISEMENT CLAUSE If the aggregate claim for any one loss destruction or damage does not exceed as per schedule or 5% of the sum insured whichever is the lesser Full story

PREVENTIVE MEASURE CLAUSE It is agreed that in the event of actual damage (or imminent damage) to the Insured Property , the Insurer will pay the reasonably Full story

CLAIMS MITIGATION CLAUSE It is agreed that in the event of actual damage (or imminent) to the insured Property, the insurer will pay the reasonably costs necessary Full story

SELF – COMBUSTION COVERAGE CLAUSE Subject to the warranty underneath, it is hereby expressly understood and agreed that in consideration of the payment of an additional Full story

AUTOMATIC RENEWAL CLAUSE Notwithstanding anything to the contrary contained in the Policy.  It is hereby noted and agreed that this insurance is effected for Full story

KLAUSUL 4.15. PERLUASAN JAMINAN PETIR Full story

KLAUSUL 4.14. PERLUASAN JAMINAN ASAP Full story

KLAUSUL 4.13. PERLUASAN JAMINAN TERBAKAR SENDIRI (API YANG TIMBUL SENDIRI) Full story

KLAUSUL 4.12. PERLUASAN JAMINAN ARUS PENDEK Dengan ini ditegaskan bahwa dengan pembayaran premi tambahan yang disepakati, pertanggungan ini menjamin juga kerusakan fisik yang terjadi pada suatu unit peralatan listrik atau elektronik, kecuali peralatan listrik atau elektronik untuk keperluan rumah tangga, yang tercantum pada Ikhtisar Pertanggungan ... Full story

IMPACT BY OWN VEHICLES CLAUSE It is noted and agreed that the cover relating to impact of vehicles shall include vehicles owned or used by the Insured Full story

SILENT RISK CLAUSE Warranted that during the currency of this Policy the said factory be silent and that the machinery be not worked, except for the purpose Full story

WORKMENS CLAUSE Workmen are allowed in and about any of the described premises for the purpose or making new erections or alteration, repair, decoration, plant Full story

VEHICLE LOAD CLAUSE In the event of the Insured’s Property being left loaded in vehicles or freight containers overnight while in, on or about the premises Full story

TENANTS IMPROVEMENTS CLAUSE The insurance by this Policy extends to include tenants improvements and alteration to Landlord’s property insofar as the Insured Full story

STORAGE WARRANTY Warranted that during the currency of this Policy no part of the premises described herein be used for manufacture or deposit or storage Full story

SERVICES CLAUSE The insurance by this Policy relating to machinery and equipment extends to include telephone, gas, water and electric instruments, meters, piping, Full story

SELLING PRICE CLAUSE It is noted and agreed that in respect of goods sold but not yet delivered for which the Insured is responsible and with regard to which under Full story

OUTBUILDINGS CLAUSE The insurance by each item under buildings is understood to include walls, gates and fence, small outside buildings, extensions, annexes, Full story

LOSS OF DAMAGED GOODS CLAUSE In case of damage to property bearing brands labels and trademarks the sale of which carries in any way a guarantee of the Insured, Full story

INTERNAL REMOVAL CLAUSE It is understood and agreed that in the event of removal of property from one building to another at any of the situations covered Full story

GENERAL INTEREST CLAUSE Certain of the Property insured may be the subject of hire purchase lease or other agreements and the interest of the other parties to these Full story

FIRE BRIGADES CHARGES It is hereby understood and agreed that the reasonable charges raised by any local authority for the provision of Fire Fighting Full story

EMPLOYEES PERSONAL EFFECTS CLAUSE The indemnity granted by this Policy extends to include clothing and/or personal effects of the employees of the Full story

DESIGNATION CLAUSE For the purpose of determining, where necessary, the definition of any property insured hereby the Insurer agrees to accept the designation Full story

COST OF RE-ERECTION CLAUSE The insurance by this Policy extends to cover the cost of re-erecting, fitting and fixing machinery or plant destroyed or damaged by fire Full story

COMPUTER RECORDS CLAUSE This insurance includes cover for computer system records but only for the value of the materials together with the cost of clerical labour Full story

CIVIL AUTHORITIES CLAUSE The insurance is extended to cover direct loss or damage to the described property caused by acts of destruction executed by order of Full story

BRAND AND LABEL CLAUSE If branded or labelled merchandise covered by this Policy is damaged, and the Insurer elects to take all or any of such merchandise at the agreed Full story

AWNINGS BLINDS SIGNS OR OTHER FITTINGS OF EVERY DESCRIPTION CLAUSE Awnings, blinds, signs or other outdoor fixtures or fittings of any description are covered Full story

MINOR ALTERATIONS AND REPAIRS CLAUSE Minor alterations, additions and repairs to building, plant fixtures and fittings, and machinery (exclusive of any Sprinkler Installations) Full story

ALTERATIONS CLAUSE Notwithstanding anything contained in the printed conditions of the Policy to the contrary, it is noted and agreed that this Insurance shall Full story

STOCK DECLARATION CLAUSE 1. In consideration of the premium by this Policy being provisional in that it is calculated on 75% of the sum insured hereby and is Full story

LESSORS INTEREST CLAUSE It is noted and agreed that ………….. (here in after referred to as the Lessors) are the owners of the Property insured under (Item …….) and that Full story

LEASED PROPERTY CLAUSE This Policy extends to indemnify any other party having an interest in the property insured by virtue of and in accordance with the terms of Full story

CAPITAL ADDITIONS CLAUSE The insurance hereby extends to cover alterations, additions and improvements (but not appreciation in value) in excess of the sums Full story

BANKERS CLAUSE It is noted and agreed that the property insured by this Policy has been mortgaged with bank ……………. and that in consequence thereof, Full story

ALL OTHER CONTENTS It is noted and agreed that this Policy extends to include : a.  Money and stamps not otherwise specifically insured for an amount Full story

ARCHITECTS, SURVEYORS AND ENGINEERS EXPENSES It is hereby noted and agreed as follows (a) The insurance of each item on Buildings or Contents Full story

TEMPORARY REMOVAL CLAUSE It is hereby agreed that the property insured by this Policy (other than any stock in trade or merchandise) is covered in respect of Full story

SPRINKLER LEAKAGE CLAUSE It is hereby agreed and declared that the insurance under the Policy shall extend to cover loss or damage to the property insured caused 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 Full story

PUBLIC AUTHORITIES CLAUSE The insurance by this Policy extends to include such additional cost of reinstatement of the destroyed or damaged property Full story

POLIS STANDAR ASURANSI Links have been moved, click here for updates 1)     Polis Standar Asuransi Kebakaran Indonesia / Indonesian Insurance Standard Policy.(Selengkapnya).  Full story

Read and Download Bilingual Version in Pdf : FTSWD Clause Dengan ini disetujui dan dinyatakan bahwa  atas dasar pembayaran premi tambahan, Penanggung menyetujui memperluas pertanggungan ini sebagaimana diatur dalam Endosemen ini. Full story

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

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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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