Klausul-Klausul Penting dalam Asuransi Kebakaran (Fire & Property Insurances) 1. Reinstatement Value Clause Pembayaran klaim sesuai dengan harga baru (New Replacement Value), tidak dikenakan potongan depresiasi atau penyusutan 2. Average Relief Clause anda akan tetap memperoleh ganti rugi penuh walaupun terjadi Pertanggungan dibawah harga (under insurance) dengan syarat Harga Pertanggungan tidak kurang dari 85% dari […]

In no case shall this insurance cover loss damage liability or expense any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter PENGECUALIAN RISIKO NUKLIR Asuransi ini tidak akan menjamin kerugian, kerusakan, tanggungjawab atau biaya yang timbul dari adanya senjata perang yang menggunakan bom atom […]

In no case shall this insurance cover loss damage liability or expense arising from : 18.1. the detonation of an explosive 18.2. any weapon of war and caused by any person acting maliciously or from a political motive PENGECUALIAN RISIKO PERBUATAN JAHAT Asuransi ini tidak akan menjamin kerugian, kerusakan, tanggungjawab atau biaya yang timbul dari […]

In no case shall this insurance cover loss damage liability or expense caused by : 17.1. strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions 17.2. any terrorist or any person acting from a political motive. PENGECUALIAN RISIKO PEMOGOKAN Asuransi ini tidak akan menjamin kerugian, kerusakan, tanggungjawab atau biaya yang […]

In no case shall this insurance cover loss damage liability or expense caused by : 16.1. War civil war revolution rebellion insurrection, or civil strife arsing thereform, or any hostile act by or against belligerent power. 16.2. Capure seizure arrets restraint or detainment (barratry and piracy excepted), and the consequences thereof or any attempt thereat. […]

15.1. To return as follows : 15.1.1. Pro rata monthly net for each uncommenced month if this insurance be cancelled by agreement.15.1.2. For each period of 30 consecutive days the Vessel may be laid up in a part or in a lay-up area provided such port or lay-up area is approved by the Underwriters (with […]

14.1. Additional insurances as follows are permitted : 14.1.1. Disbursements, managers’ commissions, Profits or Excess or Increased Value of Hull and Machinery. A sum not exceeding 25% of the value stated herein. 14.1.2. Freight, Chartered Freight or Anticipated Freight, insured for time. A sum not exceeding 25% of the value as stated herein less any […]

In the event of total or constructive total loss no claim to be made by the Underwriters for freight whether notice of abandonment has been given or not PELEPASAN HAK ATAS UANG TAMBANG Dalam hal terjadi klaim total loss (ATL/CTL), Penanggung tidak mengenakan klaim atas freight tanpa memandang apakah notice of abandonment diberikan atau tidak

12.1. In ascertaining whether the Vessel is a constructive total loss, the insured value shall be taken as the repaired value and nothing in respect of the damaged or break-up value of the Vessel or wreck shall be taken into account. 12.2 No claim for constructive total loss based upon the cost of recovery and/or […]

11.1. In case of any loss or misfortune it is the duty of the Assured and their servants and agents to take such measures as may be reasonable for the purpose of averting or minimizing a loss which would be recoverable under this insurance 11.2. Subject to the provisions below the Underwriters will contribute to […]