KLAUSULA YANG BIASA DILEKATKAN PADA POLIS MONEY INSURANCE

 KLAUSULA YANG BIASA DILEKATKAN PADA POLIS MONEY INSURANCE

 

Berikut adalah klausula yang biasa dilekatkan pada Polis Asuransi MONEY INSURANCE

 

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 MONEY INSURANCE

 

SAMPLE WORDING MONEY INSURANCE

 

CASH IN SAFE

Loss of money money orders by any cause whatsoever in the personal custody of the Insured and/or their authorized employees and/or in the locked safes and/or petty cash and/or whilst in and/or about the Insured premises.

 

CASH IN TRANSIT

Loss of money money order by any cause whatsoever in the circumstances described in the schedule.

 

SCHEDULE :

The Schedule shall include any stop-over until the final destination.

q  From the Banks’ to the Insured’s premises and vice/versa

q  From the Insured’s premises to their Clients’ and/or suppliers’ and vice-versa

q  From the Insured’s premises to their other premises and vice-versa

q  In all areas within the plant and including distribution with the Plant

q  Travel allowances from Insured’s premises to anywhere in Indonesia and all over the world.

Money Insurance, Cash in safe and Cash in Transit

TYPE                           :   MONEY INSURANCE

                                      (MONEY IN THE PREMISES AND MONEY IN TRANSIT)

                                     

INSURED                     :   PT. _____________ including any and all past, present or hereafter formed or acquired subsidiary, Affiliated or Allied companies, corporations, trusts, foundations, entities, trustees, or organizations which are owned, financially controlled, actively managed or in which the named Insured has had, or has an interest now or hereafter constituted of for which the named Insured has assumed the responsibility of purchasing Insurance. 

ADDRESS                    :   to be advised

PERIOD                       :   12 (Twelve) months from the date to be advised

                                      At 12.00 noon local time (both days inclusive

LOCATION OF RISK      :   to be advised

THE BUSINESS             :  to be advised

OCCUPATION              :   to be advised

INTEREST AND SUM INSURED :

SECTION – I MONEY IN THE PREMISES :

COVERAGE	:	Loss of money money orders by any cause whatsoever in the personal custody of the insured and/or their authorized employees and/or in the locked safes and/or petty cash and/or whilst in and/or about the insured premises.
Limit of Indemnity	:	Rp. ………………. And/or equivalent with other currencies per any one accident
Annual Rate	:	…… %
Annual Premium	:	Rp. ………………….  X …….. % = Rp.

----/2

Page : 2

CN No. ….(New/Renewal)

SECTION – II MONEY IN TRANSIT :

COVERAGE	:	Loss of money money orders by any cause whatsoever in the circumstances described in the schedule.
Limit of Indemnity for anyone carrying	:	Rp. ………………. And/or equivalent with other currencies per any one accident
Estimated Annual Carrying	:	Rp.                         And/or equivalent with other currencies per any one accident
Annual Rate	:	…… %
Annual Premium	:	Rp. ………………….  X …….. % = Rp.
Schedule	:	(The schedule shall include any stop over until the final destination) q  From the Banks to the Insured’s premises and Vice-versa q  From the Insured’s premises to their Clients’ and/or Suppliers’ and Vice-versa q  From the Insured’s premises to their other premises and Vice-versa q  In all areas within the plant and including distribution with the Plant q  Travel Allowances from Insured’s office to anywhere in Indonesia.
Teritorial Limit	:	Republic of Indonesia

TOTAL ANNUAL PREMIUM :

Section I – Money in the Premises         Rp. ….

Section II – Money in Transit                Rp. ….

                                                                   Rp.

EXTENSION CLAUSES :

1.    Automatic Reinstatement of Loss Clause

2.    Breach of Warranty Clause

3.    Damage to Safe/Drawers/cabinets/Cash Registers/Cash Boxes Endorsement

It is hereby declared and agreed that this policy shall extend to cover damage to Safe/Drawers/Cabinets/Cash Registers/Cash Boxes containing the articles insured in furtherance of Burglary, housebreaking or any attempt thereat, provided that the maximum liability of the company is not exceeding that the limit of liability any one loss/event”

4.    Dishonesty of Employees (if Discovered within 72 hours)

“Notwithstanding of anything in the policy to the contrary, this Policy is extended to cover dishonesty by the Insured’s Employee subject to being discovered within 72 hours.”

5.    Indonesia Jurisdiction Clause

6.    Locks, Keys and rolling door clause

7.    Loss Notification Clause (30 Days)

8.    Notification Clause (30 Days)

9.    New Location Clause (berlaku untuk penutupan outlet atau showroom lebih dari satu)

10. Nominated Loss Adjuster Clause :

It is hereby noted and agreed that in the event of a loss the following adjusters should be appointed and the Preliminary and/or Final Report should be forwarded to the Agent and Broker concern.

Nominated Loss Adjuster :

q  PT. CUNNINGHAM LINDSEY INDONESIA

q  PT. JAPENANSI NUSANTARA (GAB Robbins)”

11. Payment on Account Clause

12. SRCC Clause

13. Thirty (30) Days Cancellation Notice Clause

 “Both the Insurer and the Insured are entitled to terminate this insurance upon thirty (30) days notice in writing being given. Such termination should be effected by the registered letter and the Insured entitle to a pro-rata refund premium for the un-expired period of Insurance”.

14. Extended to Cover Personal Accident for 2 (two) persons of the Insured’s employee(s) in charge of the money which covers Death, Permanent Disablement (Continental Scale) with Limit Rp. 50.000.000,00 and Medical Reimbursement with limit 10% of Death benefit (anyone employee and anyone accident).

15. Extended to include Fidelity Guarantee/embezzlement of the officer in charge whenever discover within 15 days from the date of occurrence with limit IDR. 25.000.000,00 anyone accident (deductible : 10% of Recoverable Claim Amount for anyone loss or series of losses arising out of the same event) atau Fidelity Guarantee Extension Clause

16. Anyone carrying by motor cycle limit IDR. 25.000.000,00

SECURITY     :

Jakarta, _____________, 2002

Sign in and on behalf of

S.R.C.C. Clause (Money Ins)

STRIKE, RIOT AND CIVIL COMMOTION CLAUSE
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 civil 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 (whether in connection with a strike or lock-out or not)
2. The action of any lawfully constituted authority in suppressing or attempting to suppress any such disturbance or in minimizing the consequences of any such disturbance.
3. The willful act of any striker or locked-out worker done in furtherance of a strike or in resistance to lock-out.
4. The action of any lawfully constituted authority in preventing or attempting to prevent any such act or in minimizing the consequences of any such act.

Provided that it is hereby further expressly agreed and declared that:
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.
2. The following special conditions shall apply only to the insurance granted by this extension and the wording of the Policy shall apply in all respects to the insurance granted by the Policy as if this Endorsement had not been made thereon.

PA Extension Cover on Money Ins.

It is hereby noted and agreed that this policy is extended to cover Personal Accident for the officers and/or employees in charge of the money with covers Death, Permanent Disablement (Continental Scale) with limit IDR. _________ and Medical Reimbursement with limit 10% of Death or Permanent Disablement anyone officer and/or employee and Maximum ____ (____) persons anyone accident.

Dishonesty of Employee

Notwithstanding of anything in the Policy to the contrary, this Policy is extended to cover dishonesty by the Insured's Employees subject to being discovered within 72 hours.

DAMAGE TO SAFE/DRAWERS/CABINETS/CASH REGISTERS/

It is hereby declared and agreed that this Policy shall extend to cover damage to safe / drawers / cabinets / cash registers / cash boxes containing articles insured in furtherance of burglary, housebreaking, or any attempt thereat, provided that the maximum liability of the company is not exceeding than the limit of liability any one loss / event.

DAMAGE TO SAFE/DRAWERS/CABINETS/CASH REGISTERS/

It is hereby declared and agreed that this Policy shall extend to cover damage to safe / drawers / cabinets / cash registers / cash boxes containing articles insured in furtherance of burglary, housebreaking, or any attempt thereat, provided that the maximum liability of the company is not exceeding than the limit of liability any one loss / event.