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Should the Insured fail to declare within this fixed term the Insured shall
be deemed to have declared maximum sum insured as the value .
In the event of any loss the declaration over the remaining period of
insurance for the calculation of the premium to be paid in addition or to
be repaid shall be increased with the amount for which the loss is
acknowledged.
If after the occurrence of a loss it is found that the amount for the last
declaration previous to the loss is less than the amount that ought to
have been declared, then the amount which would have been
recoverable, by the Insured shall be reduced in such proportion as the
amount of the said declaration bears to the amount that ought to have
been declared.
Translations :
1
Nilai pertanggungan yang tertera di dalam polis adalah nilai maksimum.
Premi awal sebesar 75% dari premi setahun wajib dibayarkan dimuka.
Asuransi ini didasarkan kepada kondisi deklarasi bulanan. Besarnya nilai
resiko pada lokasi pertanggungan, setelah berakhirnya setiap bulan,
harus dilaporkan kepada penanggung selambat-lambatnya 30 hari dari
akhir bulan tersebut.
Apabila tertanggung tidak melaporkan nilai tersebut maka nilai tertinggi
akan dicantumkan oleh penanggung untuk bulan tersebut.
Pada masa berakhirnya polis, premi sesungguhnya akan diperhitungkan
berdasarkan nilai rata-rata pertanggungan, misal jumlah total nilai yang
dideklarasikan dibagi jumlah deklarasi.
Apabila premi sesungguhnya lebih besar daripada premi awal maka
tertanggung harus membayar selisihnya. Apabila lebih kecil, maka
penanggung akan mengembalikan selisihnya. Namun pengembalian
tersebut harus tidak melebihi 1/3 dari premi awal.
Jika terjadi kerugian, deklarasi pada sisa periode pertanggungan dalam
perhitungan sisa premi yang harus dibayarkan ataupun pengembalian
premi akan dinaikkan sesuai jumlah kerugian.
Apabila setelah terjadi kerugian jumlah deklarasi terakhir lebih kecil dari
jumlah sesungguhnya yang seharusnya dideklarasikan, maka jumlah
penggantian akan dikurangi sesuai proporsi antara jumlah yang
dideklarasikan dengan jumlah sesungguhnya.
2
» ALL OTHER CONTENTS CLAUSE
It is agreed that the term ‘other terms’ is understood to include:
a. Money and stamps not otherwise speciallly insured for an
amount not exceeding
c. Computer system records but only fot the value of the materials
together with the cost of clerical labour and computer time
expanded in reproducing such records (excluding any expenses
in connection with the production of information to the recorded
therein) and not for the value to the insured of the information
contained therein for an amount not exceeding.
Provided that the liability for such destruction or damage and fees shall
not exceed in the aggregate the sum insured.
Translations :
3
Tidak termasuk nilai dari data yang dicatat ke dalam komputer,
untuk nilai yang tidak melebihi Rp. ..............
d. Pola, cetakan, model, perencanaan dan desain, untuk nilai tidak
melebihi Rp. .........................
e. Sepeda kayuh milik karyawan, pakaian, perkakas, dan barang-
barang milik pribadi karyawan lainnya untuk jumlah tidak
melebihi Rp. ................/karyawan
Dengan catatan bahwa jumlah kerugian secara keseluruhan yang harus
ditanggung tidak melebihi Sum Insured.
4
» ALTERATION CLAUSE
Notwithstanding anything contained in the printed conditions of the
Policy to the contrary, it is noted and agreed that this insurance shall not
be prejudiced in the event of any alterations being made to the property
insured whereby the risk of damage is increased, provided that notice of
such alterations be given to the Insurer within sixty (60) days of the
commencement of such alterations and additional premium paid, if
required from the date of such alterations.
Translations :
5
» APPRAISEMENT CLAUSE
If the aggregate claim for any one loss does not exceed US$ 100,000.00
or five percent (5%) of the sum insured by the item or items affected
(whichever may be the less) no special inventory or appraisement of the
undamaged property shall be required.
If two or more buildings be included in a single item, this provision shall
apply to the range of buildings insured by this item.
For the purpose of this clause, the term “item” shall be held to the total
sum insured on buildings and/or contents by the items affected.
Translations :
6
» ARCHITECTS, SURVEYORS, REGISTERED
PUBLIC ACCOUNTANT AND CONSULTANT
ENGINEERS FEES CLAUSE
Translations :
7
» AUTOMOBILES CLAUSE
The housing of Automobiles is allowed, and it is warranted that no
Imflammable Spirit intended for fuel in connection therewith be at any
time in the portion of the building under the control of the Insured, other
than that contained in the reservoirs of such Automobiles or in approved
underground storage systems or in sealed metal containers.
Translations :
8
» AVERAGE RELIEF CLAUSE (85%)
Translations:
9
» AWNINGS, BLINDS, SIGNS OR OTHER
OUTDOOR FIXTURES OR FITTINGS OF ANY
DESCRIPTION CLAUSE
Translations:
Awning, kerai, papan iklan, atau perlengkapan lain yang melekat sisi luar
properti yang dipertanggungkan termasuk juga ditutup dalam asuransi
ini dengan catatan bahwa jumlah maksimum yang dapat diganti
terhadap hal-hal tersebut diatas tidak melebihi ............... (Rp./US$)
10
» THE BANKERS CLAUSE
Noted and agreed that property insured by this policy has been
mortgaged with the PT. ................................ and that in consequence
thereof, it has been agreed with the said mortgagee and the insured,
that in case of loss, if any, payable under this policy any payment up to
the amount to which the said mortgagee is entitled for principal, interest
accrued and costs shall be made to the said mortgagee without prejudice
to the rights the insured have on the difference.
This clause to be null and void on receipt of advice from the said
mortgagee that they are no longer interested in the property insured
under this policy.
Translations:
11
» BANK INTEREST CLAUSE
It is hereby noted and agreed that the property insured under this policy
has been pledged with PT.BANK ABC JAKARTA and until such time as the
said Bank shall have notified the Insurer in writing to the contrary, the
Insurer shall advise the said Bank:
(ii) of :
(a) any material alteration; and
(b) termination or expiry :
of any such insurance at least 30 days before such
alteration, termination or expiry ;
It shall be further noted that in the event of loss, if any, payable under
this policy, any payment up to the amount to which the said Bank is
entitled for principal, interest accrued and costs shall be made to the said
Bank without prejudice to the rights of the Insured for the difference and
the said Bank shall act in its capacity as joint-insured subject to the
terms conditions and restrictions contained in the policy.
Translations:
12
(i) Pembatalan asuransi atas properti tsb. harus dilakukan
sekurang-kurangnya 30 hari sebelum jatuh tempo
pembatalan.
(ii) dari :
a. semua jenis penambahan/perubahan material; dan
b. Pembatalan/jatuh temponya :
penutupan asuransi paling lambat 30 hari sebelum
perubahan, pembatalan atau kadaluarsa tsb. diatas.
(iii) Seketika jika terjadi keterlambatan pembayaran premium
atau tidak diperbaharuinya penutupan asuransi pada saat
jatuh tempo.
13
» BRAND AND LABEL CLAUSE
Translations :
14
» BREACH OF WARRANTY CLAUSE
Translations:
Semua bentuk kondisi dan warranties daripada polis ini berlaku terhadap
masing-masing resiko yang dijamin. Oleh sebab itu sebuah pelanggaran
daripada kondisi atau warranties yang tercantum di dalam polis hanya
membuat resiko yang bersangkutan menjadi tidak abstrak/tidak dijamin
lagi, sedangkan resiko-resiko lainnya masih tetap di jamin.
15
» BURST PIPES ENDORSEMENT
The Insurance under the policy shall subject to the special condition
hereinafter conatined, extend to include loss or damage to the property
insured directly caused by Bursting or Overflowing of water Tanks,
Apparatus or Pipes but excluding:
Provided always that all the conditions of the policy (except insofar as
they may be hereby expressly varied) shall apply as if they had been
incorporated herein and for the purposes hereof any destruction or
damage as aforesaid shall be deemed to be loss or damage by fire.
Translations:
16
» 60 Days CANCELLATION PREMIUM
PRORATA CLAUSE
With the insurer and the insured are untitled to terminate this insurance
upon 60 days notice in writing being given, such termination should
be effected by a registered letter, when either the insurer or the insured
terminates the insurance, he is obliged to give a prorata return premium
for the unexpired period of insurance.
Translations:
Both the insurer and the insured are entitled to terminate this insurance
upon 30 (thirty) days notice in writing being given, such
termination should be effected by a registered letter. When either the
insurer or the insured terminates this insurance, the insurer is obliged to
give a prorata return premium for the unexpired period of insurance.
17
» CAPITAL ADDITIONS CLAUSE
Translations:
18
» CASUAL CONTRACTORS CLAUSE
Translations:
19
» CIVIL AUTHORITIES CLAUSE
Translations:
20
» CLAIMS COOPERATION CLAUSE
Translations:
21
» CLAIMS CONTROL CLAUSE
Translations:
22
» CLAIM PREPARATION CLAUSE
Translations:
23
» COMPUTER RECORDS CLAUSE
This policy indemnifies computer system but only for the value of the
materials together with the costs of clerical labour and computer time
expended in reproducing such records (excluding any expense in
connection with the production of information to be recorded therein)
and not for the value to the Insured of the informatin contained therein.
Translations:
24
» CONSULTING ENGINEERS CLAUSE
Translations:
Sum Insured Contents Machinery dalam polis ini adalah termasuk biaya-
biaya yang dikeluarkan untuk consulting engineer yang timbul dalam
proses reinstatement atau replacement daripada contents Machinery
tersebut terhadap penyebab- penyebab yang dijamin dalam polis, kecuali
jika tertanggung memilih untuk mengganti baru. Jumlah tersebut harus
melebihi Fee Standar Industri.
25
» CURRENCY CLAUSE
Translations :
Dengan ini dipahami dan disetujui bahwa dalam hal suatu kerugian yang
diakui, bila ada ditetapkan dalam mata uang lain daripada mata uang
yang tercantum dalam Ikhtisar Polis, maka nilai tukar yang digunakan
yang diumumkan oleh Bank Indonesia pada tanggal dicapainya
kesepakatan antara Penanggung dan Tertanggung tentang besarnya
kerugian.
26
» CUT THROUGH CLAUSE
It is noted and agreed that all reinsurers of this policy shall pay in full
subject to policy deductibles only and all losses covered by this policy or
claims agreed to the insured in lieu of payment to the company its
successors in interest and or assigness. This clause shall operate unless
and until cancelled in writing by the insured.
In the event that the company becomes insolvent or goes into liquidation
and as a result defaults in the payment of any loss or losses payable
under the terms of this policy the reinsurers shall notwithstanding such
defaults assume liability for such losses payment or payments and make
payments thereof to the Insured to the full extent of their interest
without any deduction or deductions whatsoever.
The company hereby agrees that any such payments made by the
reinsurer herein in accordance with this agreement shall constitute a
discharge of reinsurers’ liability in respect of the particular claims and
shall release them from any liability they would have had to the company
in respect of such claims.
The insurers agree not the excercise the right of cancellation in event of
non payment of reinsurance premium without first giving 30 days prior
notice to insured named herein.
Translations:
27
» COST OF RE-ERECTION CLAUSE
Translations:
28
» DEBRIS REMOVAL CLAUSE
The Insurance under this heading is not subject to the Average Clause.
Provided always:
- that such cost is not recoverable under other policy of
Insurance;
- that the indemnity afforded by this insurance shall not
apply to or include liability assumed by the Insured under
agreement entered into after the commencing date of this
insurance unless such liability would have attached to the
Insured in the absence of such agreement.
2. Sum Insured
Shall in no case shall exceed 10% of the Total Sum Insured.
Translations:
Dengan catatan :
- bahwa biaya tersebut tidak dijamin oleh polis lain.
- bahwa penggantian terhadap kerugian dibawah penutupan
29
ini tidak mencakup liability terhadap tertanggung yang
tercipta sesudah tertanggung menutup asuransi kecuali
liability yang sudah pada hakekatnya melekat pada
tertanggung meski tanpa adanya suatu bentuk perjanjian.
2. Sum Insured
Jumlah yang dibayarkan tidak dapat melebihi 10% dari total
sum insured.
30
» DEFERRED PREMIUMS
It is hereby understood and agreed that the premium shall be paid in the
following installments:
Translations:
Dengan ini di mengerti dan disetujui bahwa premi penutupan asuransi ini
akan dibayarkan dalam ……… kali pembayaran.
31
» DESIGNATION / DESIGNATION OF
PROPERTY INSURED CLAUSE
Translations:
32
» ELECTRICAL INSTALLATION CLAUSE
33
» ELECTRICAL SHORT CIRCUIT CLAUSE
(COMPULSORY)
It is hereby expressly understood and agreed that this policy also covers
loss or damage caused by fire as a consequence of electrical short
circuit.
Translations:
Dengan ini dipahami dan disetujui bahwa polis ini juga menjamin
kerugian akibat kebakaran yang disebabkan oleh hubungan listrik arus
pendek.
34
» EMPLOYEES PERSONAL EFFECTS CLAUSE
It is agreed that this policy shall extend to cover the legal liability of the
insured in respect of clothing and/or personal effects of
employees, the limit of indemnity under this extension being limited to
……… in respect of any one occurrence or number of occurrences arising
directly or indirectly from one source or original cause.
Subject otherwise to the terms, conditions and exceptions of this policy.
Translations:
Dengan ini disetujui bahwa polis ini juga mengcover tanggung jawab
hukum terhadap pakaian dan/atau barang-barang pribadi milik
karyawan, batasan yang dijamin adalah sebesar ……….. dari satu
kejadian atau beberapa kejadian yang langsung atau tidak langsung dari
penyebab yang sama.
35
» ERRORS AND OMMISSION
Translations:
36
» ESCALATION CLAUSE
Translations:
Dengan ini disetujui bahwa bila terjadi kerugian terhadap properti yang
dijamin di dalam polis maka kenaikan nilai penggantian
sebanyak .............% dari original Sum Insured diperbolehkan selama
masa leasing berjalan kenaikan tersebut dihitung berdasarkan sistem pro
rata untuk per pecahan waktu dalam 1 tahun.
37
» FIRE EXTINGUISHING COSTS CLAUSE
Provided further that the insurance under this endorsement and the
policy shall be subject to all the terms, limitations, stipulation, exclusions,
provisions and exceptions printed on expressed in endorsed upon or
attached to the policy and provided also that all of the conditions of the
policy (except in so far as they may be hereby varied) shall apply as if
they had been incorporated herein.
Translations:
38
» FIRE BRIGADES CHARGES CLAUSE
Translations:
39
» FIRE & FUEL EXPLOSION
Translations:
40
» 50/50 CLAUSE
It is further agreed that in the event of the excess under this policy
being different from the excess under the marine insurance policy in
settling claims as described above each insurer shall deduct 50% of its
appropriate excess from its 50% share of the adjusted claim.
It is hereby understood and agreed that the rights of the insured shall
not be prejudiced by the failure of any surveyors nominated by the
marine insurers to protect marine insurers rights of subgrogation.
Translations:
41
» FIRST LOSS INSURANCE
Translations:
42
» FOUNDATION CLAUSE
Translations:
43
» FUEL AND TANKS
Translations:
44
» GENERAL INTEREST CLAUSE
Translations:
45
» HAZARDOUS GOODS CLAUSE
Translations:
46
» IMPACT BY OWN VEHICLE ENDORSEMENT
CLAUSE
Translations:
47
» INCREASE CLAUSE
Translations:
48
» INTERNAL REMOVAL CLAUSE
Translations:
49
» LEASED PROPERTY CLAUSE
This Policy extends to indemnity any other party having an interest in the
property insured by virtue of and in accordance with the terms of
mortgage, Leasing, Hiring or Renting Agreement, provided such property
is not more specifically insured.
Translation:
50
» LESSOR INTEREST CLAUSE
It shall be further noted that in the event of loss any payment payable
under this policy shall only be made with the written permission and
consent of the Lessor without prejudice to the rights of the Insured for
the difference and the said Lessor shall act in its capacity as joint-insured
to the terms conditions and retrictions contained in the policy.
Translations:
Dengan ini dimengerti dan disetujui bahwa PT. XYZ Leasing memiliki
kepentingan keuangan terhadap properti yang dipertanggungkan
sebesar jumlah yang sudah ditentukan. Hingga adanya pemberitahuan
dari lessor terhadap penanggung maka penanggung akan mengajukan
pemberitahuan kepada lessor tersebut:
51
III Secepatnya tentang keterlambatan pembayaran premi atau
penutupan kembali
IV Tentang tindakan perilaku atau kejadian yang mana diketahui
oleh yang dianggap dapat mengganggu keabsahan penutupan
asuransi ini.
V Tentang klaim dibawah polis ini diatas US$ 10.000.-
Selanjutnya dimengerti bahwa apabila terdapat klaim maka pembayaran
harus dilakukan dengan ijin dan persetujuan tertulis dari lessor meski di
dalam jumlah tersebut terdapat jumlah milik tertanggung dan lessor
dianggap bertindak sebagai joint-insured sehingga berada di bawah
persyaratan polis.
52
» LESSOR CLAUSE
This Clause to be null and void on receipt of advice from the said Lessors
that they are no longer having any financial interest in the property
insured under this policy.
Translations:
53
» LOSS OF DAMAGE GOODS CLAUSE
Translations:
54
» LOSS NOTIFICATION CLAUSE
Translations:
55
» LOSS PAYEE CLAUSE
Nothing in this clause shall in any way extend the liability of the
Company beyond such liability as would have been in the absence of this
Clause.
Translations:
Oleh sebab itu penggantian kerugian harus dilakukan dengan ijin tertulis
dari Loss Payee.
56
» MINOR ALTERATION AND REPAIR CLAUSE
Translations :
57
» MISDESCRIPTION CLAUSE
Translations:
Disetujui bahwa polis ini tidak akan menindak adanya perubahan atau
kesalahan pemberitahuan atau deskripsi tentang okupasi bangunan
asalkan tertanggung segera memberitahukan yang sebenarnya setelah
diketahuinya informasi terbaru dan membayar penambahan premi.
58
» NOMINATED ADJUSTER CLAUSE
In the event of any claim under the Policy, the following adjusters will be
appointed:
a) PT. BAHTERA ARTHAGUNA PARAMA
b) PT. JAPENANSI NUSANTARA
c) PT. SATRIA DHARMA PUSAKA
d) any other adjuster as mutually agreed by Insurers and the Insured.
Translations:
Dalam kendala akan suatu klaim dalam polis, berikut ini terdapat
perusahaan-perusahaan penaksir kerugian suatu asuransi yang telah
ditunjuk seperti:
a)………………
b)…………….
c) atau penaksir lainnya menurut kesepakatan antara Penanggung dan
Tertanggung.
59
» NON INVALIDATION CLAUSE
Translations:
Dengan ini disetujui bahwa polis ini tidak akan dibatalkan oleh :
60
» NOTIFICATION CLAUSE
Translations:
Dengan ini disetujui bahwa kondisi saat ini, konstruksi sifat alamiah dan
interior bangunan beserta bisnis/aktifitas kerja didalamnya diketahui oleh
penanggung.
61
» OUTBUILDINGS CLAUSE
Translations:
62
» PAYMENT OF PREMIUM WARRANTY
CLAUSE
02. In the event any of the above mentioned premium is not paid
in full to and 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, any
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 therefrom but without prejudice to any liability incurred
before that date and the company will be entitled to a pro rata
time on risk premium subject to a minimum of Rp. 50.000,-
Translations :
63
(a) Ketika jangka waktu asuransi adalah 30 hari atau lebih, Dan
dalam waktu 30 hari dari tanggal dimulainya peng-coveran
dalam polis, sertifikat pembaruan, penambahan atau surat
penutupan
(b) Ketika jangka waktu asuransi adalah kurang dari 30 hari dan
dalam periode asuransi yang secara jelas ternyata dalam Polis,
penambahan, sertifikat pembaruan ataupun surat penutupan
kasus.
64
» PAYMENT ON ACCOUNT CLAUSE
Translations:
Dengan ini disetujui bahwa pembayaran terhadap klaim dalam polis ini
akan diberikan kepada tertanggung dalam tahap-tahap yang sudah
disetujui bersama apabila tertanggung memilih demikian dan pada saat
terbitnya interim report oleh Loss adjuster (apabila ditunjuk) asalkan
pembayaran tersebut diambil dari total klaim yang sudah disetujui.
65
» PREMISES CLAUSE
Translations :
66
» PREVENTIONS OF ACCESS CLAUSES
Translations:
67
» PUBLIC AUTHORITIES CLAUSE
68
3. If the liability of the company under (any itemof) the policy
apart from this extension shall be reduced by the application of
any of the terms and conditions of the policy then the liability of
the company under this extension (in respect of any such item)
shall be reduced in the like proportion.
4. The total amount recoverable under any item of the policy shall
not exceed the sum insured hereby.
Translations:
Dengan catatan:
69
peraturan bangunan asalkan kewajiban asuradur tidak
bertambah besar.
70
» PUBLIC UTILITIES EXTENTION CLAUSE
Translations:
71
» RIGHTS OF RECOURSE CLAUSE
Translations:
72
» REINSTATEMENT ADDITIONAL PREMIUM
(COMPULSORY)
Translations:
Dengan ini diketahui dan disetujui bahwa apabila terjadi kerugian yang
dijamin dengan tidak adanya pemberitahuan tertulis oleh penanggung
yang menyatakan sebaliknya maka pertanggungan yang telah habis atau
berkurang karena terjadi kerugian, akan dikembalikan atau dihidupkan
kembali ke posisi semula secara otomatis terhitung mulai tanggal
terjadinya kerugian dan tertanggung harus membayar proporsi premi
tambahan sampai dengan berakhirnya masa pertanggungan.
73
» REINSTATEMENT AVERAGE RELIEF
(or 85% Average Clause)
Translations:
74
» REINSTATEMENT VALUE CLAUSE
Special Provisions:
Each item of the Policy (if more than one) to which this provision
applies shall be separately subject to foregoing provision.
75
4. These Provisions shall be without force or effect if :
Translations:
76
pro rata proporsi kerugian untuk setiap bagian apabila lebih
dari satu bagian dari polis diberlakukan klausula ini :
77
» REMOVAL OF DEBRIS (CLEARING EXPENSES)
ENDORSEMENT
Incorporated within the sum insured it is hereby agreed that this Policy
extends to indemnify the Insured in respect of:
Translations:
Setelah ditambahkan ke dalam SI, maka dengan ini disetujui bahwa polis
ini juga menjamin:
78
» RENT CLAUSE
It is hereby agreed and declared that in the event of the said premises
or any part thereof becoming untenantable as a result of its destruction
or damage by fire or any other peril hereby insured against, the
Company will, subject to the conditions hereinafter contained, indemnify
the Insured for loss or rent in accordance with the lease or agreement
existing at the time of such destruction or damage. The company shall
only be answerable for rent for such period as the premises (or
proportionately in the case of any part thereof) may be actually
untenantable, due deligence being used in the repair or reconstruction of
same, but if from any cause the repair or reconstruction of the said
premises be not forthwith commenced, the loss of rent shall be
determined by the time which would have sufficed for the purpose had
due deligence been used, but in no case exceeding
__________________ months’ rent.
In case the rent of the premises for the period specified shall exceed the
sum hereby insured, the amount payable shall be in the proportion which
the sum insured bears to such rent.
If the whole or any part of the premises be occupied by the Insured, the
rent thereof shall be assessed at a reasonable market value. And it is
further stipulated that should any of the standing charges incurred for
maintaining the premises in a tenantable condition (such as wages of
caretaker or liftmen, cost of power, lighting, and the like), cease or be
reduced in consequence of fire of any other peril hereby insured against,
then the amount payable shall be reduced accordingly.
Translations:
Dengan ini disetujui bahwa dalam hal sebuah properti menjadi tak dapat
dihuni akibat kerusakan kebakaran atau sebab-sebab lain yang dijamin,
maka penanggung sesuai dengan kondisi-kondisi berikut ini akan
mengganti kerugian tertanggung terhadap pemasukan uang sewa
sesuai kontrak yang sedang berjalan pada saat kerugian terjadi.
Penanggung hanya akan mengganti kerugian uang sewa tersebut sejauh
periode dimana tempat tersebut benar-benar tidak dapat dihuni. Dengan
catatan bahwa pekerjaan perbaikan/pembangunan dilakukan dengan
usaha yang sungguh-sungguh. Apabila pekerjaan perbaikan tersebut
tidak dilaksanakan maka perhitungan penggantian uang sewa dihitung
berdasarkan waktu yang diperkirakan cukup untuk membangun kembali
properti tsb namun dalam kasus apapun juga tidak melebihi 12 bulan
sewa.
79
Dalam kasus jumlah yang harus dibayarkan dalam proses perbaikan
melebihi jumlah pertanggungan yang dicantumkan dalam polis maka
jumlah yang akan diganti akan dihitung secara proporsional.
Apabila seluruh atau sebagian dari tempat tsb ditempati tertanggung,
uang sewa tsb akan dihitung berdasarkan uang sewa pasaran.
Selanjutnya juga diperhitungkan bahwa biaya-biaya pemeliharaan
tempat tersebut seperti gaji petugas lift, petugas kebersihan, dll
berkurang atau hilang sehubungan dengan tempat tersebut tidak dapat
dihuni maka jumlah ini harus dikurangi dari jumlah total uang sewa yang
harus dibayarkan.
80
» SELLING PRICE CLAUSE
It is hereby agreed and declared that in respect of goods sold but not
delivered yet for which the Insured is responsible and with regards to
which under the written or printed conditions of sale. The sale Contract
is cancelled by reason of the fire either wholly or to the extentof the loss
or damage, the liability of the Company shall be based on the contract
price, and for the purpose of average the value of all goods, to which
this clause would in the event of loss or damage be applicable shall be
ascertained on the same basis.
Translations:
81
» SERVICES CLAUSE
Translations:
82
» 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 of
keeping it in good order, no material being passed through it and that no
repairs whatever to machinery be carried on and that no material or
goods except spare machinery and/or accessories be stored in the
building.
Translations:
83
» SPECIAL ELECTRICAL SHORT CIRCUIT
COVERAGE CLAUSE (AMENDED)
It is also further agreed that this extension is based on a first loss limit
on the whole insured property that no under insurance provision shall
apply in event of a loss or damage.
Translations:
Dengan ini disetujui bahwa dengan premi tambahan maka polis ini juga
menjamin kerusakan atau kehilangan terhadap generator, motor,
transformer, dan/atau mesin bertenaga listrik lainnya, dan/atau instalasi
listrik kecuali peralatan rumah tangga yang disebabkan oleh hubungan
arus pendek atau pemanasan sendiri dengan tanggungan sendiri sebesar
5% dari nilai masing-masing barang yang secara langsung rusak dengan
maksimum US$ 2,000,000.00 any one accident. Namun klausula ini tidak
berlaku apabila ada penutupan Machinery Breakdown atau polis khusus
lainnya.
84
» SPECIAL ELECTRICAL SHORT CIRCUIT
COVERAGE CLAUSE
Translations:
Dengan ini telah dimengerti secara lugas dan disetujui bahwa dalam
pertimbangan pembayaran akan tambahan premi sebagaimana diatur
dalam polis selalu menutupi akan hal kehilangan ataupun kerusakan
terhadap generator, motor, pemindah dan/atau permesinan listrik
lainnya dan/atau instalasi listrik atau alat-alat rumah tangga yang
tertanggung sebagai jenis A & B dari suatu ikhtisar polis yang
disebabkan arus pendek atau panas dengan sendirinya kepada suatu
pengurangan dari 5% jumlah tertanggung dengan maksimum sebesar
…….. akan kecelakaan siapapun. Bagaimanapun juga, pengcover-an ini
tidak dapat digunakan jika resiko ini ter-cover dalam “Resiko Kerusakan
Permesinan” atau dari polis khusus lainnya.
85
» SPECIAL SELF COMBUSTION COVERAGE
CLAUSE
Subject to the
Translations:
Dengan ini disetujui bahwa dengan tambahan premi maka polis ini juga
menjamin sebagian atau seluruh properti yang dijamin di bawah
item .......................... dari schedule yang disebabkan oleh pembakaran
sendiri atau pemanasan sendiri.
Dengan catatan bahwa barang yang dipertanggungkan tsb. harus
disimpan secara baik dan profesional.
Selanjutnya disetujui bahwa penutupan ini dilakukan atas dasar first loss
limit dan prinsip underinsurance tidak berlaku.
86
» SPONTANEOUS COMBUSTION CLAUSE
Translations:
Dengan ini disetujui bahwa penutupan ini juga menjamin kerugian yang
disebabkan oleh pembakaran sendiri yang timbul secara mendadak
(spontaneous combustion) selama tidak bertentangan dengan kondisi
lain dalam polis.
87
» 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 by water
accidentally discharged or leaking from the Automatic Sprinkler
Installation subject to First Loss sum insured ................................... and
subject to a deductible of ....................... any one location and further
subject to all the usual conditions of the policy and the following special
conditions :
Translations:
Dengan ini disetujui bahwa penutupan ini juga diperluas untuk menjamin
kerusakan atau kerugian yang disebabkan oleh kebocoran air yang tidak
disengaja atau bocornya Automatic Sprinkler Installation sebesar First
Loss Sum Insured US$ ............... dan tanggungan sendiri (deductible)
sebesar US$ ..................... untuk setiap satu lokasi dan harus sejalan
dengan kondisi lain dalam polis dan kondisi-kondisi khusus sbb. :
1. Kewajiban daripada penanggung dalam kasus apapun tidak
melebihi SI setiap bagian daripada polis.
2. Selanjutnya, kebocoran tsb. tidak boleh disebabkan oleh :
a. Perbaikan atau perombakan terhadap bangunan.
b. Perbaikan, pemindahan atau perluasan daripada Automatic
Sprinkler System.
c. Perintah oleh pemerintah/yg berwenang.
d. Ledakan terhadap bangunan.
88
e. Kesalahan-kesalahan konstruksi atau keadaan/kondisi yang
sudah diketahui tertanggung.
f. Pengendapan di dalam sistem sprinkler otomatis.
89
» STANDARD CANCELLATION CLAUSE (30
DAYS)
It is hereby declared and agreed that both the Insurer and the Insured
are entitled to cancel this insurance at any time without given reason
therefor. Such cancellation shall however only become effective on the
expiration of 30 (thirty) days from midnight of the day on which notice
of the cancellation is issued. If the Insurer cancels the insurance he is
obliged to return the prorata premium for the unexpired period of
insurance. If it is the Insured who cancels the insurance, premium will be
calculated on the short term rate for the completed period of Insurance.
Translations:
90
» STOCK DECLARATION CLAUSE
91
insurances, and this Company shall not be liable to contribute
than that proportion of such loss which such excess (or, if
there be other declaration insurances covering the same
stocks, a rateable, proportion of such excess), but not
exceeding the sum insured hereby, bears to the total value of
the stocks.
92
8. If the stocks hereby insured shall at the time of loss be
collectively of greater value than the sum insured thereon,
then the insured shall be considered as being his own insurer
fot the difference and shall bear a rateable proportion of the
loss accordingly. Every time, if more than one, on stocks
(other than retail) shall be separately subject to this condition.
Translations :
Apabila terdapat polis lain yang juga menutup stock juga atas
dasar deklarasi maka deklarasi tsb dibuat sedemikian rupa
agar masing-masing polis mendapat bagian kewajiban yang
sesuai dengan porsi masing-masing. Jika dalam waktu 30 hari
setelah tanggal tutup buku, tertanggung belum melaporkan
stock-nya maka nilai stock untuk bulan tersebut akan
diasumsikan /diisi dengan nilai ‘value at risk’. Pada saat
berakhirnya periode asuransi, premi akan dihitung dengan
menggunakan suku premi (rate) dikali jumlah stock yang
telah dilaporkan dibagi jumlah pelaporan. Apabila perhitungan
premi tsb lebih besar daripada premi yang dibayarkan di
muka, tertanggung wajib membayar sisanya. Namun apabila
lebih kecil maka penanggung mengembalikan premi kepada
93
tertanggung namun jumlah tsb tidak boleh melebihi 1/3 dari
premi yang telah dibayarkan dimuka.
94
terjadi kerugian hingga tanggal habisnya masa
pertanggungan diatas jumlah kerugian yang terjadi, atau 50%
dari premi yang telah diabayarkan dimuka, yang mana saja
yang lebih besar.
95
» STRUCTURAL ALTERATION CLAUSE
Translations:
Berpokok pada Pasal 3 dari dalam suatu polis, dengan ini telah
dimengerti bahwa secara struktural perubahan-perubahan dan perluasan
dari gedung-gedung, instalasi, pengembalian kembali, penempatan
kembali dari mesin-mesin, peralatan-peralatan, alat-alat, pipa atau
instalasi lain dan sebagai tujuan sebaik mungkin untuk memindah
segalanya dalam dasar pemikiran tertentu. Dalam kasus pemindahan
atau penghancuran akan suatu hal tertanggung dalam asuransi akan
meng-cover benda-benda baru pengganti yang telah dipindahkan atau
dihancurkan kepada sejumlah penanggung secara asli.
96
» TIME ADJUSTMENT CLAUSE (72 HOURS
CLAUSE) – Including RSMD
Translations:
97
» TEMPORARY REMOVAL CLAUSE
(b) Motor Vehicle other than Forklift Trucks and similar appliances
used for hauling or conveying goods at the Insured’s
premises.
Translations:
Dengan ini disetujui bahwa polis ini juga menjamin properti milik
tertanggung yang dipertanggungkan meski untuk sementara sedang
berada di tempat lain milik tertanggung yang juga dijamin dan bukan
berada di tempat aslinya yang juga milik tertanggung atau ke tempat
lain di seluruh Indonesia dan dalam perjalanan dari dan ke suatu tempat
baik melalui jalan darat, kereta atau sungai/danau, tetapi dikecualikan:
98
» TENANTS CLAUSE
Translations:
99
» TENANTS IMPROVEMENTS CLAUSE
Translations :
100
» THEFT DURING FIRE EXCLUSION CLAUSE
Translations:
101
» THREE YEAR LONG TERM AGREEMENT
CLAUSE
This Policy is written for a term of THREE YEARS. Premium is due and
payable at the beginning of each insurance year. The Insured may elect
not to pay premium for any subsequent year by giving notice to the
Company at any time before the policy anniversary. The premium for
each year shall be 15% less than premium payable at the Company’s
current rates for that year. In the event the Insured exercises the above
option not to pay the premium for any subsequent year the Policy shall
expire at the end of the year for which premium was paid. In such event
the Company shall bill the Insured for the 15% discount which has been
allowed in previous years and such bill shall be a legally enforceable
debt. By accepting the policy to which this Endorsement is attached the
Insured agrees to the above conditions.
Translations:
Polis ini dibuat untuk periode 3 tahun. Premi dibayarkan pada awal tahun
asuransi. Tertanggung dapat memilih untuk tidak melakukan
pembayaran berturut-turut asalkan memberikan pemberitahuan kepada
penanggung sebelum jatuh temponya akhir tahun polis. Premi per
tahunnya 15% lebih kecil dari suku premi aktual premi yang harus
dibayarkan di perusahaan tsb.
Apabila tertanggung memilih jalan ini maka polis akan berakhir pada
akhir tahun dimana premi telah dibayarkan. Dalam kasus demikian
penanggung akan menagih tertanggung sejumlah 15% potongan yang
telah diberikan di awal tahun tsb dan penagihan tsb memiliki ikatan
hukum. Dengan menerima polis dengan klausula ini di dalamnya berarti
tertanggung telah setuju terhadap kondisi diatas.
102
» TRANSIT CLAUSE
It is hereby noted and agreed that this policy is extended to cover stocks
whilst in transit on land between premises owned occupied or controlled
by the Insured subject to a limit of US$ ...................... anyone transit.
Translations :
Dengan ini disetujui bahwa polis ini juga menjamin stock dalam
perjalanan lewat darat antara tempat milik tertanggung ke tempat
lainnya juga milik tertanggung dengan jumlah tidak melebihi
US$ .............................. untuk setiap perjalanan.
103
» VALUATION CLAUSE “A”
Translations:
104
» VEHICLE LOAD CLAUSE
Translations:
105
» WAIVER OF SUBROGATION CLAUSE
Insurers hereby agree to waive all rights of subrogation which they may
have and acquire against any of the parties comprising the Insured
except when such rights of subrogation are acquired in consequence of
any fraud, misrepresentatin, non disclosure or breach of condition or
warranty by that Insured.
Nothing contained in this memorandum shall be deemed to increase the
sum insured stated in the Schedule of the Policy.
Translations:
106
» WORKMEN’S CLAUSE
Workmen are allowed in and about any of the described premises for the
purposes of making new erections or alterations, repair, decoration, plant
installation, general maintenance and the like without prejudice to the
terms and conditions of the policy.
Translations:
107
» YEAR 2000 (Y2K) EXCLUSION CLAUSE
Translations:
108
1. Perlengkapan komputerisasi yang meliputi tetapi tidak terbatas
akan segala kombinasi atau bagian dari data, perangkat keras
komputer, sistem operasi, aplikasi, perangkat lunak, dan chip
komputer termasuk chip mikroprosessor atau penanaman
perangkat logik pengontrolan komputer
109
» ELECTRONIC DATE RECOGNITION CLAUSE
(Bintang Insurance)
For the purpose of this clause the expression Electronic Equipment shall
mean any computer or other equipment or system for processing storing
or retrieving data and shall include but shall not be limited to any
computer hardware firmware or software, media, chip, microchip,
integrated circuit or similar device.
This Policy does not cover physical loss, destruction or damage directly
or indirectly caused by, or contributed to by or arising from the failure or
inability of any Electronic Equipment, whether the property of the
insured or not, and whether occurring before, during, or after the year
2000
But this Clause shall not exclude any physical loss, destruction or
damage not otherwise excluded, which itself results from fire, lightning,
explosion, aircraft or other aerial devices or articles dropped therefrom,
riot, strikes, malicious damage, earthquake, storm, flood, escape of
water from any tank apparatus or pipe or impact by any road vehicle or
animal, theft from a building (provided there is violent or forcible entry to
or exit from such building).
Translations:
110
Untuk tujuan klausula ini yang dimaksud dengan Peralatan Elektronik
berarti segala bentuk komputer atau peralatan lainnya, atau system
pengolahan, penyimpanan dan penyelamatan data, atau termasuk,
namun tidak terbatas pada, segala bentuk komputer, hardware,
firmware, atau software, media, mikrochip atau circuit yang terintegrasi,
atau peralatan-peralatan lainnya yang sejenis.
Polis ini tidak menjamin kerugian, atau kerusakan, baik yang bersifat
langsung maupun tidak langsung, yang disebabkan, atau dipengaruhi
oleh atau yang timbul dari kesalahan atau ketidakmampuan dari
Peralatan Elektronik baik yang dimiliki oleh tertanggung ataupun bukan,
dan baik yang terjadi sebelum, selama, ataupun setelah tahun 2000
dalam hal:
111
» 60 DAYS CANCELLATION CLAUSE (incl
RSMD 4.1AAA, EQ, VE & Tsunami)
Both the Insurer and the insured are entitled to terminate this insurance
upon 60 (sixty) days notice in writing being given. Such termination
should be effected of the registered letter. When the Insurer terminates
the insurance, he is obliged to return pro-rata premium for the unexpired
period of Insurance. If it is the Insured who terminates the Insurance,
premiumwill be calculated of the short term rate laid down in the current
of this Policy for the completed period of Insurance.
Translations:
112
» AUTOMATIC REINSTATEMENT OF SUM
INSURED CLAUSE
It is hereby noted and agreed that the Sum Insured under this policy
shall not be reduced by any indemnity payment made by the insurer and
shall remain in full until the expiry of the policy without any additional
pro-rata premium in case of claim.
113
» STORAGE WARRANTY CLAUSE
Warranted that during the currency of this Policy no part of the premises
described herein be used for manufacture or deposit or storage of
merchandise.
114
» KLAUSULA KEWAJIBAN TERTANGGUNG
(WARRANTY) MENGENAI
KEBERADAAN ALAT PEMADAM
KEBAKARAN SISTEM HIDRAN
Dengan ini tertanggung menegaskan telah menerima penjelasan
secukupnya mengenai persyaratan pemberian potongan premi asuransi
kebakaran sebesar 10% (sepuluh persen) sehubungan dengan
keberadaan alat pemadam kebakaran sistem hidran yang memenuhi
persyaratan sebagai berikut :
1 Tersedianya regu pemadam kebakaran yang terlatih, terdiri dari sedikit-
dikitnya 6 (enam) orang dibawah pimpinan regu pemadam kebakaran
tersebut harus siap tugas setiap saat minimal selama kebakaran tersebut
harus siap tugas setiap saat minimal selama jam kerja.
7 Tersedianya kopling pada titik hidran yang sama dengan yang dipakai
oleh dinas kebakaran PEMDA atau swasta terdekat atau tersedianya
persediaan adaptor dalam waktu singkat.
Selanjutnya tertanggung, dengan ini menyatakan setuju bahwa apabila
pada saat terjadi kebakaran ternyata sistem hidran tidak ada atau tidak
berfungsi sebagaimana mestinya disebabkan kelalaian dan/atau
kesalahan tertanggung dalam pemeliharaan dan/atau dalam mengikuti
115
petunjuk pabrikan, maka perusahaan asuransi/penanggung tidak
bertanggung jawab atas kerugian yang terjadi.
» KLAUSULA KEWAJIBAN TERTANGGUNG
(WARRANTY) MENGENAI
KEBERADAAN ALAT-ALAT
PEMADAM API RINGAN (APAR)
Dengan ini tertanggung menegaskan telah menerima penjelasan
secukupnya mengenai persyaratan pemberian potongan premi asuransi
kebakaran sebesar 2.5% (dua setengah persen) sehubungan dengan
keberadaan alat-alat pemadam api ringan (APAR) sebagai berikut :
1 Untuk setiap 250 meter persegi (m2) dari lantai bangunan harus
disediakan, pada tempat yang mudah dijangkau, MINIMAL 1 (satu) dari
salah satu unit tabung APAR tersebut dibawah ini :
2 Setiap tabung APAR berada dalam kondisi baik, siap pakai dan
terpelihara serta selalu mentaati petunjuk pabrikan mengenai pengisian
kembali.
116
» KLAUSULA KEWAJIBAN (WARRANTY)
PEMBAYARAN PREMI
1 Menyimpang dari ketentuan-ketentuan Pasal 257 Kitab Undang-Undang
Dagang (KUHD) dan tanpa memperhatikan ketentuan-ketentuan
manapun dalam polis, sertifikat perpanjangan pertanggungan (renewal
certificate), surat tambahan (policy endorsement) ataupun surat bukti
penutupan asuransi (cover note) yang bertentangan dengan ketentuan
klausula kewajiban (warranty) ini dan hanya didasarkan pada dan tanpa
mengurangi ketentuan pasal 2 yang tertera dibawah ini, dengan ini
dinyatakan dan disetujui bahwa adalah suatu PRASYARAT daripada
tanggung jawab perusahaan asuransi atas jaminan asuransi dibawah
polis, setifikat perpanjangan pertanggungan (renewal certificate), surat
tambahan (policy endorsement) ataupun surat bukti penutupan asuransi
(cover note) bahwa setiap premi terhutang harus sudah dibayar lunas
dan secara nyata telah diterima seluruhnya oleh perusahaan asuransi :
117
» AUTOMATIC COVER CLAUSE (THIS
CLAUSE APPLIES TO STOCKS
ONLY)
118
» AUTOMATIC REINSTATEMENT OF LOSS
119
» AUTOMATIC RENEWAL CLAUSE
Notwithstanding anything to the contrary contained in the policy, it is
hereby noted and agreed that this insurance is effected for an unlimited
period commencing as from …………… and is deemed to the
automatically renewed on ………….. on each subsequent year for a
similar period of 12 (twelve) months. The premium is payable annually
within a credit term of ……….. as of each renewal date.
120
» CONTRACT PRICE
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
of sales, the contract is cancelled by reason of non-delivery of such
goods destroyed or damaged by fire or by any other perils insured
hereby, the liability of the company in respect of such goods shall be
based on the contract price.
It is understood and agreed that for the purposes of Average the value
of the goods insured hereby shall be calculated on the same basis as
that on which the loss is assessed.
121
» COST OF RE-WRITING RECORDS AND
CLAIMS PREPARATION
On costs and expenses necessarily and reasonably incurred by the
Insured following loss or damage to the property insured.
I. to reconstruct and recompile records (but not for the value to the
insured of the information contained therein).
122
» LANDSLIP AND SUBSIDENCE
ENDORSEMENT CLAUSE
Provided always that all conditions of the policy (except insofar as they
may be hereby expressly varied) shall apply as if they had been
incorporated herein and for the purpose hereof any loss or damage as
aforesaid shall be deemed to be loss or damage by fire.
Special condition
123
» NEW LOCATIONS
It is hereby declared and agreed that the company will hod covered any
new locations acquired by the insured during the period of insurance
subject to not more than ……… any one location. The insured shall
declare to the company every quarterly and an additional premium shall
be charged accordingly.
124
» NON-INVALIDATION CLAUSE
125
» REINSTATEMENT OF SUM INSURED
CLAUSE
It is understood and agreed that in the event of loss or damage by any
of the perils insured against to the property above described and in the
absence of written notice by the company or the insured to the contrary
the amount of insurance cancelled by loss is to be automatically
reinstated as from the date of loss. The insured undertaking to pay such
premium which may be required for such reinstatement from the date.
126
» REMOVAL PERMIT CLAUSE
127
» SUBSIDIARY COMPANIES CLAUSE
128
» CUSTOMER GOODS
129
» REINSTATEMENT OF LOSS CLAUSE
130
» STORAGE OF HAZARDOUS GOODS
WARRANTY A
Warranted under penalty of nullity of this policy that during its currency,
storage in the premises of the following materials is permitted only up to
the limit of quantities stated below, namely :
131
» KLAUSULA KEWAJIBAN TERTANGGUNG
(WARRANTY) TENTANG
KEPEMILIKAN DAN
PENGELOLAAN GUDANG
Dengan ini tertanggung menegaskan telah menerima baik semua
persyaratan dan ketentuan dalam polis termasuk klausula kewajiban
tertanggung (warranty) ini dan telah membayar lunas premi yang
diperhitungkan/dibebankan oleh perusahaan asuransi/penanggung atas
pertanggungan dibawah polis ini.
Selanjutnya tertanggung dengan ini menyatakan telah memahami dan
menerima baik serta menyetujui sepenuhnya isi serta maksud daripada
klausula kewajiban tertanggung (warranty) ini akan mematuhi
sepenuhnya persyaratan asuransi serta ketentuan-ketentuan yang telah
ditetapkan oleh perusahaan asuransi/penanggung mengenai kepemilikan
dan pengelolaan gudang serta penyimpanan barang dalam gudang
seperti yang tercantum dibawah ini selama masa berlakunya polis :
132
Tertanggung dengan ini menyatakan persetujuannya, bahwa dalam hal ia
melakukan penyimpangan atas ketentuan-ketentuan dan/atau
persyaratan tersebut, maka serta merta polis ini menjadi BATAL tanpa
pemberitahuan terlebih dahulu oleh perusahaan asuransi/penanggung
dan tanpa pengembalian premi.
Semua kerugian yang terjadi dari sejak adanya penyimpangan tersebut
diatas tidak akan diganti oleh perusahaan asuransi/penanggung polis ini.
133
» STRIKE, RIOT and CIVIL COMMOTION
(SRCC) – ENDORSEMENT 001
It is agreed and understood that otherwise subject to the terms,
exclusions, provisions and conditions contained in the policy or endorsed
thereon and subject to the insured having paid the agreed extra
premium, this policy shall be extended to cover loss or damage due to
strike, riot and cicil commotion which for the purpose of this
endorsement shall mean (subject always to the special conditions
hereinafter contained) loss of or damage to the property insured directly
caused by
1. the act of any person taking part together with others in any
disturbances of the public peace (wheter in connection with a strike
or lock-out or not being an occurrence mentioned in condition 2 of
the special conditions hereof,
1. all the terms, exclusions, provisions and conditions of the policy shall
apply in all respects to the insurance granted by this extension save in
so far as the same are expressly varied by the following special
conditions and any reference to loss or damage in the wording of the
policy shall be deemed to include the perils hereby insured against,
Special Conditions
134
the retarding or interruption or cessation of any process or
operation,
b) Loss or damage occasioned by permanent or temporary
dispossession resulting from confiscation, commandeering or
requisition by any lawfully constituted authority,
c) Loss or damage occasioned by permanent or temporary
dispossession of any building resulting from the unlawful
occupation by any person of such building.
d) Consequential loss or liability of any kind or description, any
payments over and above the indemnity for the material damage
as provided herein.
In any action, suit or other proceeding, where the insurers allege that by
reasoon of the provisions of this conditions any loss or damage is not
covered by this insurance, the burden of proving that such loss or
damage is covered shall be upon the insured.
135
» ENDORSEMENT ANGIN TOPAN, BADAI,
BANJIR DAN KERUSAKAN AKIBAT
AIR
2. Kerugian atau kerusakan yang timbul dari erosi, tanah runtuh, tanah
longsor, letusan gunung berapi atau malapetaka alamiah lainnya.
3. Perembasan air.
4. Kerugian atau kerusakan karena air yang keluar dari sprinkler atau
drencher di dalam gedung.
136
Syarat-syarat khusus
137
» DISPUTE CLAUSE A (ARBITRATION)
1. In the event of any dispute arising between the Insurer and the
Insured in respect of the implementation and or interpretation of this
Policy, the dispute shall be settled amicably within 60 (sixty) days
since the dispute arises. The dispute arises since the Insured or the
Insurer has expressed in writing his disagreement on the subject
matter of the dispute. If the dispute could not be settled amicably,
then either the Insured or the Insurer shall settle the dispute through
Arbitration Ad Hoc.
2. The Insured or the Insurer shall notify in writing the other party
registered letter, telegrams, telex, facsimile, Email or by courir,
advising that the dispute shall be settled through Arbitration Ad Hoc.
The settlement through arbitration repudiates the rights of the
insurer and or the Insured to settle the dispute through court.
5. The arbitrators shall examine the case and make an award within
180 (one hundred and eighty) days from the date of the formation of
the Arbitration Ad Hoc.
138
7. Matters which are not provided and or not sufficiently provided under
this clause shall be subject to the provisions of the Act of the
Republic Indonesia Nr. 30 year 1999 dated August 12, 1999
regarding Arbitration and Alternative Dispute Resolution.
139
» DISPUTE CLAUSE B (COURT OF LAW)
In the event of any dispute arising between the Insurer and the Insured
in respect of the implementation and or interpretation of this policy, the
dispute shall be settled amicably within 60 (sixty) days since the dispute
arises. The dispute arises since the Insurer or the Insured has expressed
in writing his disagreement on the subject matter of the dispute. If the
dispute could not be settled amicably, then either the Insurer of the
insured shall settle the dispute through court of law where defendant
resides.
140
» WARRANTY PAYMENT CLAUSE
2. In the event any the above mentioned premium is not paid in full to
and 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, any renewal certificate, endorsement, or
cover note shall be deemed to have terminated from the expiry of
the premium warranty period and company shall be discharge from
all liability therefrom but without prejudice to any liability incurred
before that date and the company will be entitled to a pro-rata time
on risk premium subject to a minimum 25% of the premium.
141
» FUEL AND/OR OTHER CONSUMABLES
IN CARE CUSTODY AND CONTROL
Subject otherwise to the terms and conditions of this policy, this
insurance also covers the Insured for all real and personal property,
including fuel and/or other consumables in the care, custody or control or
for which the Insured may be contractually liable. In the event of a loss
to such property in the care, custody or control or for which the Insured
may be contractually liable the Sum Insured shall be deemed to be the
replacement as new value of such property at the time of loss regardless
of the actual original value of such property.
142
» BRANDED GOODS CLAUSE
143
» FLOOR SPACE RATION INDEX (PLOT
RATIO)
Subject to terms, conditions and sum insured or sub-limit(s) of liability of
this Policy, in the event of any building (s) being damaged so as to
constitute total loss or constructive total loss and, as a result of the
exercise of statutory powers and/or authority by any government
department, local Government or any other statutory authorities
reinstatement of such building(s) as before is prohibited and
reinstatement is only permissible subject to a reduced floor space ratio
index :
In arriving at the amount payable under (a) and (b) above any payments
made by the Insurer(s) shall include the extra cost of reinstatement,
including demolition or dismantling of the insured property, necessarily
incurred to comply with the requirements of any act of parliament or
regulation made thereunder or any By-law or regulation of any Municipal
or other statutory authority.
Any payment made for the difference between 9a) and (b) above shall be
made as soon as the said diference is ascertained upon completion of the
rebuilding works and certified by the architect acting on behalf of the
insured in the reinstatement of the building(s).
144
» EARTHQUAKE,VOLCANIC ERUPTION
AND TSUNAMI ENDORSEMENT
(4.2)
1. Insuring Clause
2. Sums Insured
(a) Foundation.
(b) Excavations.
(c) Underground Constructions.
(d) Other such portions of the building.
(a) In not event shall insurers be liable by this endorsement for any
loss caused directly or indirectly by Wind or Flood of any nature,
145
whether the same be caused by or be attributable to Earthquake,
Volcanic Eruption, Tsunami or otherwise.
5. Definitions
146
» SINGLE LOSS CLAUSE
147
» DEDUCTIBLE CLAUSE
148
» INSURED’S PARTICIPATION ALL
LOSSES IN EXCESS OF THE
DEDUCTIBLE
A claim for loss from perils covered by this endorsement shall not be
repudiate because of change of occupancy no because of vacancy or
unoccupancy.
149
» ADDITIONAL INSUREDS CLAUSE
150
» PAIR AND SET CLAUSE
151
» KLAUSULA PERIMBANGAN HARGA
152
» SISTER CAR CLAUSE
It is further agreed that if the motor vehicle hereby insured come into
collision with another motor vehicle belonging wholly or in part to the
same owners or under the same management, the assured shall have the
same rights under this policy as they would have were the other motor
vehicle entirely the property of owners not interested in the motor vehicle
hereby insured.
153
» NEW FOR OLD (SIX MONTHS)
154
» TRANSIT EXTENSIONS (INTER ISLAND)
CLAUSE
Standing permission is herewith given for the use of official ferries
approved to carry such traffic, under which terms is included the ferry
service operated between Surabaya and Kamal, Merak and Bakauheni
and Gilimanuk by the ships of Jawatan Kereta Api and ALRI
155
» 85% CONDITION OF AVERAGE CLAUSE
156
» PROFESSIONAL FEES CLAUSE
Provided :
1. Such fees are separately specifid in the policy schedule.
2. The liability of the insurer’s shall in the aggregate not excess 20% of
the sum insurede on the building and/or machinery, if any
3. Such fees shall not include any cost for peraring any claims.
157
» REPLACEMENT COST CLAUSE
158
» FLOOD, WINDSTORM, TEMPEST AND
WATER DAMAGE ENDORSEMENT
(4.3)
In consideration of the payment by the insured of an additional premium
as per schedule hereinafter appearing, it is understood and agreed that
notwithstanding anything contained in this policy to the contrary, this
Insurance extends to cover damage and/or destruction to the properties
hereby insured resulting from the action or the direct consequence of :
A. Storm and.or tempest, or direct consequence thereof.
B. Flood, due to water which has overflowed beyond the normal
boundaries of river, watercourse, lake of sea.
C. Water, other than water resulting from any of the foregoing
casualties, entering into the the premises from outside.
Including the cost necessarily incurred in the removal of water and debris
from the building.
The indemnity granted by this endorsement doesnot however under any
circumstances cover :
1. Loss or damage arising from erosion, subsidence, landslide, volcanic
eruption or other convulsions of nature.
2. Seepage
3. Loss or damage due to water discharged from sprinklers or drencher
installations in the premises.
4. Consequential loss or damage of any kind or description
5. Loss or damage due to failure of or inadequacy of or other defects in
any water pumping apparatus especially fitted or installed for trade
purpose and processes.
Special condition
1. The insured shall, under penalty of nullity of the insurance under this
endorsement, take all reasonable steps to maintain the building, roof,
roof guttering, water tanks, pipes, drains and other water apparatus
in an good state repair.
2. If the actual value of the property hereby insured at the
commencement of any destruction or damage to such property by
any perils insured against by this insured thereon then the insured
shall be considered as being his own insurer for the difference and
shall bear a rateable share of the amount of the loss accordingly.
Every item if more than one of the policy shall be separately subject
to this condition. Provided that, it is hereby further expressly agreed
and declared, that the liability of the company shall in the aggregate
in no case exceed the sum isnured and in respect of each item the
sum expressed in the schedule of the Policy.
159
3. In all respect the insurance under this Endorsement is subject to the
policy consitions.
Deductible
It is understood and agreed that of any claim anyone event payable
under this cover 10% (ten percent) of Recover Claim Amount.
160
» EARHTQUAKE, VOLCANIC ERUPTION
AND TSUNAMI ENDORSEMENT
INSURING CLAUSE
In consideration of the payment by the insured of an additional premium
shown separately, it is understood and agreed that, this insurance is
extended to cover DIRECT loss by earthquake, volcanic eruption or
tsunami to an amount exceeding that specified in this Earthquake,
Volcanic Eruption and Tsunami Endorsement.
SUM INSURED
For description of property covered refer to Fire Policy to which this
Endorsement is attached. In addition to customary specification of sums
insured for buildings (ecluding foundation excavations and the like),
machinery/plant/appliances, tock, office and other inventory there shall
also be a sum (s) insured, based on actual value at risk, for the following
building items in one lumpsum or specified.
1. Foundations
2. Excavations
3. Underground constructions
4. Other such portions of the building
161
tsunami.
DEFINITIONS
For the purpose of this Endorsement “Earthquake”, “Volcanic Eruption”
and “Tsunami” are defined as follows :
DEDUCTIBLE CLAUSE
With respect to loss to the property covered under this endorsement,
insurers shall be liable for only the amount of loss in any one occurrence
which is otherwise payable hereunder and is excess of 2.50% (two and
one-half percent) of the actual value at risk of the property insured
under the policy or policies. This deductible shall apply separately to each
building including its contents if covered hereunder and separately to
contents in each building if such building is not covered hereunder.
CANCELLATION
Without canceling this entire policy, insurer or the insured shall each
162
have the right to cancel this endorsement in manner provided by
conditions of this policy for cancellation other terms, exceptions,
conditions and provisions of this policy remain unchanged.
163
» EXTRA CHARGES CLAUSE (LIMIT 10%
OF SI/ITEM)
It is hereby noted and agreed that this insurance B extended to cover
extra charges for express and/or air freight which shall be reimbursed by
the insurer in addition to the sum insured for a limit of 10% of sum
insured/item
164
» TRANSPORTATION CLAUSE
165
» INLAND TRANSIT–CLAUSE
(ENDORSEMENT 113)
It is and understood that, otherwise subject to the terms, exclusions,
provisions and conditions contained in the Policy or endorsed thereon and
subject to the Insured having paid the agreed extra premium, section I
this insurance shall be extended to cover loss or damage to the property
insured whilst in transit to the contract site other than on waterways or
by air within the terriotorial limits of Pulau Karimun provided that the
maximum amount payable under this endorsement does not exceed Sin$
200,000.- per conveyence
166
» EXPEDITING EXPENSES ALLOWANCE
CLAUSE
In the event of loss or damage to the Property Insured or any part
thereof the cost of any repair replacement or reticfication admitted under
this policy shall include the additional costs not exceeding 50% of normal
costs of overtime weekend and shift working bonus payments plant hire
charges express delivery (including airfreight) and the like necessarily and
reasonably incurred in expediting such repair replacement or rectification
but exluding any such costs solely.
167
» COST OF TEMPORARY PROTECTION
CLAUSE
The company agreed that upon the happening of event giving rise to a
claim hereunder, the Company will indemnify the Insured in respect of
the costs of temporary shuttering, boarding up and/or protection
reasonably necessarily for the safeguarding of the premises and/or
contents pending repair/replacement, provided the total liability of the
company during anyone period of insurance for such costs shall be
limited to shuttering, boarding up.
168
» SMOKE AND VEHICLE IMPACT
ENDORSEMENT (CODE : 4.11)
The insurance hereunder is extended to cover :
169
» RIOT, STRIKE, MALICIOUS DAMAGE
AND CIVIL COMMOTION
ENDORSEMENT (CODE : 4.1AAA)
It is hereby agreed and declared that :
1. EXTENSIONS
1.1. Riots
1.2. Strikes
1.3. Locked-out Workers
1.4. Malicious Acts
1.5. Civil Commotions
1.6. Sabotage
1.7. Terrorism
1.8. Preventive Acts related to perils 1.1 up to and including 1.7
2. EXCLUSIONS
This extension does not cover all physical loss of or damage to the
property and or interest insured including loss or damage by fire directly
170
or indirectly caused by or contributed to by or arising from or in
consequence of one or more of the following perils :
3.DEDUCTIBLES
3.1. For loss or damage arising from item 1.1. Riots up to Item 1.4.
Malicious Acts and item 1.9. Looting occurring during Riots,
including Preventive Acts thereof as specified in this Endorsement,
the insured shall bear 10% (ten per cent) of the adjusted loss
subject to minimum of Rp. 10,000,000 (ten million rupiah) for
each claim payable under this endorsement.
3.2 For loss or damage arising from item 1.5 Civil Commotion, 1.6.
Terrorism item 1.7 Sabotage and/or item 1.10 Looting occurring
during Civil Commotion, including Preventive Acts thereof as
specified in this endorsement, the insured shall bear 10% (ten per
cent) of the adjusted loss subject to minimum of USD 5,000.00
(five thousand dollar) for each claim payable under this
Endorsement.
171
» EXTENDED DEBRIS CLEARANCE
EXPENSES AND RELATED DELAY
CLAUSE (LIMIT US$ 150,000)
It is hereby noted and agreed that in consideration of the nature of the
insured’s property and business, the insurer(s) hereby agrees to extend
indemnification to the insured under this policy for debris clearance
expenses caused by any act of god including landslide even when there
was no actual property loss or damage.
It is further agreed that the insurer(s) will indemnify the insured against
any standing land tranportation and/or shipment charges in relation to
the above event, provided that the insured can prove of such contract
exists, with the forwarding company and that the charges still applies
even on such circumtances.
The minimum claimabale amount is US$ 10,000 for both debris clearance
expenses and related delay standing charges and the maximum limit of
indemnity for both debris clearance expenses and related delay standing
charges is US$ 150,000 any one event and no deductible shall apply.
172
» EARTHQUAKE CLAUSE
173
» NOTIFICATION CLAUSE
174
» NEW REPLACEMENT VALUE CLAUSE
It is hereby noted and agreed that the indemnity with regards to plants
&
machineries covered by this policy will be settled on new replacement
value basis which includes freight costs, government tax and other
customs duties imposed by public authority.
175
» DISPUTE CLAUSE (C)
In the even of any dispute arising between the Insurer and the Insured
in respect of the implementation and/or intereptation of this policy, the
dispute shall be settled amicably within 60 (sixthy) days since the dispute
arises. The dispute arises since the Insured or the Insurer has expressed
in writing his disagreement on the subject matter of the dispute. If the
dispute could not be setteled, the Insurer shall give the option to the
Insured to elect either one of the following dispute clauses to settle the
dispute and such choice could not be revoked. The Insured must notify
his choice to the Insurer by registered letter, telegram, telex, facsimile, E-
mail or by courier.
3. The arbitrators shall examine the case and make an award within 180
(one hundred and eighty) days from the date of the formation of the
Arbitration Ad Hoc.
5. Matters which are not provided and or not sufficiently provided under
this clause shall be subject to the provisions of the Act of the Republic
Indonesia Nr. 30 year 1999 dated August 12, 1999 regarding
Arbitration and Alternative Dispute Resolution
176
Settlement of dispute (Court of law) Clause
It hereby noted and agreed that the Insured and the Insurer shall settle
the dispute through Court of law where the defendant resides.
177
» PROPERTY DAMAGE CLARIFICATION
CLAUSE
Property damage coverage under this agreement shall mean physical
damage to the substance or property.
It is hereby agreed and declared that in any claim payable under the
term and conditions of this policy, endorsement and clauses attached
thereof, on interim payment will be arranged to a maximum of 10% of
claim amount subject to a recommendation by independent Loss Adjuster
appointed.
178
» KLAUSULA SAMBARAN PETIR
Dengan ini dicatat dan disetujui bahwa Polis ini menjamin kerugian atau
kerusakan terhadap mesin-mesin, peralatan listrik atau elektronik dan
instalasi listrik yang secara langsung disebabkan oleh petir meskipun
tidak berakibat menimbulkan kebakaran pada benda-benda yang
dimaksud.
Selanjutnya disepakati dan disetujui bahwa:
1. Perluasan ini tidak menjamin kerugian atau kerusakan atas data
elektronik, berkurangnya kemampuan atau daya tahan dari mesin-
mesin dan peralatan listrik atau elektronik dan biaya-biaya
tambahan yang perlu dikeluarkan Tertanggung berkaitan dengan
pengecualian ini.
2. Tanggung jawab Perusahaan atas perluasan ini dibatasi maksimum
sejumlah harga pertanggungan yang dicantumkan dalam Ikhtisar
Polis untuk keperkuan perluasan ini
3. Tertanggung akan memikul 5% dari nilai kerugian yang telah
disetujui dari setiap klaim yang dibayar atas setiap kejadian dibawah
klausul ini, minimum Rp. 2.500.000,00
179
» OTHER EXPENSES CLAUSE
180