Apakah Polis Asuransi Gangguan Usaha Menjamin Kerugian akibat Virus Corona?
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BI Coronavirus Masyarakat dunia dibuat panik dengan merebaknya virus corona (COVID-19), ratusan ribu orang terinfeksi, ribuan orang meninggal dan sudah menyebar ke ratusan negara.
Ditetapkannya virus Corona atau COVID-19 ...
Full story Munich Re telah menerbitkan polis Industrial All Risks (IAR) baru versi 2.3 (Agustus 2017) yang memberikan jaminan dan persyaratan polis yang lebih transparan, terstruktur rapi, jelas, tidak ambigu, dilengkapi dengan definisi dan endorsemen perluasan yang diperlukan.
Bagian penting dari polis ini, adalah:
Polis menjamin kerusakan fisik dan gangguan usaha (Policy covers physical physical damage and resulting business interruption)
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Full story 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 Pencantuman klausul Non-Invalidation Clause, Breach of Warranty Clause telah membawa implikasi serius atas klaim pada suatu polis
Warranty: - apa yang dimaksud dengan Warranty?
MIA 1906:
Nature of warranty
(1)A warranty, in the following sections relating to warranties, means a promissory warranty, that is to say, a ...
Full story- Monday, February 16, 2015, 8:43
- Property All Risks (PAR)
List of Clauses Accountants Clause
Accumulation of Stocks Clause
ADDITIONAL INCREASE IN COST OF WORKING CLAUSE
Alternative Trading Clause
Auditor Charges Fee
Book of Accountant Clause
CLOSURE BY PUBLIC AUTHORITIES CLAUSE
CUSTOMERS EXTENSION
DENIAL OF ACCESS
Departmental Clause
Failure of Public Utilities (Version 1)
Failure of Public ...
Full story- Monday, February 16, 2015, 8:30
- D-Clauses, Property All Risks (PAR)
Deterioration of Undamaged Stocks
The Policy extends to include loss sustained by the Insured as the result of deterioration of undamaged stock which cannot be processed promptly due to interruption of or interference with the Business in consequence of damage to Property Insured.
Defunct Spare Parts Clause
It is hereby noted and ...
Full story- Thursday, October 9, 2014, 22:12
- Contractors' Plant & Machinery, Contractors’ All Risks (CAR), E N G I N E E R I N G, Earthquake Insurance, Electronic Equipment (EEI), Erection All Risks (EAR), Fire Insurance, Hull & Machinery (H&M), M A R I N E, Machinery Insurance (MI), Marine Cargo Insurance, Motor Vehicle, O T H E R S, P R O P E R T Y, Personal Accident, Property All Risks (PAR)
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- Friday, May 2, 2014, 14:34
- Property All Risks (PAR)
Terima kasih dan apresiasi yang tinggi kami sampaikan kepada Team Property AAUI yang telah berhasil menyusun Draft Polis Standar Asuransi Komprehensif Harta Benda Indonesia (PSAKHI).
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 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- Thursday, January 21, 2010, 11:36
- Property All Risks (PAR)
Machinery Breakdown and Boiler Explosion Clauses (Sub Limit ISR/PAR)
Sub limit Machinery Breakdown dan Boiler Explosion adalah hal yang umum sekarang dilekatkan pada polis ISR/PAR alasannya apalagi jika bukan “menghemat premium”.
Bingung melekatkan klausul yang mana untuk sub limit MB dan Boiler??
Tempel saja polis MB dan PSAKI?
Or you may use these clauses….
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).
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Full story 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 - Wednesday, February 11, 2009, 12:19
- Aero Engine Insurance, Boiler & Pressure Vessel, Burglary Insurance, Civil Engineering Completed, Clauses, Comprehensive Machinery, Comprehensive Project (CPI), Containers Insurance, Contractors' Plant & Machinery, Contractors’ All Risks (CAR), Deterioration of Stock (DoS), Directors’ & Officers’, E N G I N E E R I N G, Earthquake Insurance, Electronic Equipment (EEI), Employers' Liability, Environment Liability, Erection All Risks (EAR), Fire Insurance, Freight Forwarders Liability, General Liability, Hull & Machinery (H&M), L I A B I L I T Y, M A R I N E, Machinery Insurance (MI), Machinery LoP, Marine Cargo Insurance, Medical Malpractice, Money Insurance, Motor Vehicle, O T H E R S, P R O P E R T Y, Personal Accident, Professional Indemnity (PI), Property All Risks (PAR), Protection & Indemnity (P&I), Terminal Operators Liability, Workmen Compensation, Yacht & Boat Insurance
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Full story