KLAUSULA YANG BIASA DILEKATKAN PADA POLIS PROPERTY ALL RISKS INSURANCE

 KLAUSULA YANG BIASA DILEKATKAN PADA POLIS PROPERTY ALL RISKS INSURANCE

 

Berikut adalah klausula yang biasa dilekatkan pada Polis Asuransi Property All Risks atau Industrial Property All Risks Insurance, berikut dengan perluasan Gempa atau Business Interruption,

 

Perhatikan pada masing masing catatan peruntukannya, mana yang perlu dicantumkan atau tidak. Dan untuk masing masing isi wording klausula yang dimaksud, silahkan cari dalam direktori blog ini dengan mengetik judul klausulnya pada SEARCH BAR

 

Bagi yang berminat untuk mendapatkan semua data ini secara lengkap dalam bentuk excel, silahkan email ke selvi.aldriani@gmail.com atau wa ke 08180 7000 928.

 

Semoga bermanfaat.

Disclaimer : Hanya berbagi, jika ada yang lebih baik dan tepat penggunaannya, silahkan merujuk kepada kebutuhan utama.

SAMPLE WORDING INTEREST INSURED ON STOCK On stock of raw materials materials in process of production finished

 

SAMPLE WORDING INTEREST INSURED ON STOCK

 

On stock of raw materials materials in process of production finished products waste product and including spare-parts and other supporting materials, packaging materials and all other stock of every type and description not otherwise insured the property of the Insured and/or held by them in trust or on commission or on consignment whilst in and/or about the Insured premises.

            Catatan :

q  Perlu dilakukan penyesuaian ulang, dengan melihat Okupasi dari tertanggung, seperti misalnya industry/perdagangan barang tertentu yang lebih spesifik, misalnya Automotive, used or new car dll.

 

SAMPLE WORDING PADA INTEREST INSURED - BUILDING / BANGUNAN (3)

 

BUILDING

All buildings (including foundations) on the described premises including but not limited to :

·     Landlord’s fixtures-fittings

·     Fire and security protection installations

·     Telephone gas water underground waters and electric instruments meters piping cabling tunnels and the like and accessories thereof including similar property whatsoever and adjoining yards or roadways or underground (to the building or contents Insured by the respective items of this specification) all the property of the Insured or of the supplier or others for which the Insured is responsible (all to be within the Insured’s premises).

·     Plumbing ventilation and installation light standards flag poles awnings signs doors and windows display cabinets and similar structures of whatsoever description.

·     Site improvements scale areas gangways, alleys, pavements, driveways, bridges, car parks, paths and the like which partly or wholly serves to supply the described premises.

·     Walls gates and fences around and pertaining to the described premises

·     Interior decoration and other exterior fixtures and fittings

·     On all office inventory office machinery and furniture fixtures-fittings tools and all other contents of every type and description including but not limited to AC, PABX and Telephone set, mobile-phone and hand-phone, Fax and Copy machines, computers & laptop including its installation network (LAN & Internet) and its related & supporting structures, money and money negotiable, business book including cost of rewriting business records, computer records and software, guests effects for which the Insured has assumed liability and all other contents of every type and description not otherwise insured the property of the Insured and/or held by them in trust or on commission whilst in and/or about the Insured premises

 

 

Catatan : Check Harga pertanggungan termasuk Office content atau tidak, jika tidak / terpisah, maka text warna biru dilepas/dipisah

BANKERS CLAUSE

 

BANKER’S CLAUSE

 

Risks : PAR, FIRE

 

RECOMMENDED BANK INTEREST CLAUSE

 

 

It Is hereby noted and agreed that the property Insured under this Policy has been pledged with PT. Bank ……………. and until such time as the said Bank shall have notified the Insurer, in the contrary, the Insurer shall advise the said Bank :

 

 I. If the Insured  proposed to cancel or give notice of cancellation of any such insurance, at least 30

    (thirty) days before such cancellation is to take effects ;

 

II.Of :

   a.Any material alteration, and/or

   b.Termination  or Expiry

   Of any such insurance at least 30 (thirty) days before such alteration, termination or expiry take place

 

III.Promptly of any default in the payment of any premium or failure to renew any such insurance ;

 

IV.Of any act or omission or of any event of which the Insurer has knowledge and which they consider

     might invalidate or render unenforceable in whole or in part any such insurance ;

 

V.Of any claim under the policy exceeding USD. 10,000.00

 

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 a joint-insured subject to the terms conditions and restriction contained in the Policy.                        

 

 

STANDARD BANKER’S CLAUSE

 

It is noted and agreed that the property Insured by this Policy has been mortgaged with Bank …………………… and that in consequence thereof, It has been agreed with the said mortgagee and the Insurer, 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 may 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.