Ketahui Manfaat Klausula Tambahan bagi Polis Asuransi Property Anda

Ketahui Manfaat Klausula Tambahan bagi Polis Asuransi Property Anda

Ketahui Manfaat Klausula Tambahan bagi Polis Asuransi Property Anda

Sahabat Caraka,

Umumnya Polisa Asuransi Property All Risks dilengkapi dengan beberapa kondisi dan klausula, namun belum banyak yang mengetahui tujuan atau apa maksud dari pencantuman klausula-klausula tambahan tersebut.

Fungsi klausula yang dilekatkan pada polis Asuransi property Anda, bisa berfungsi sebagai kondisi yang :

  • menegaskan kondisi Polis Standard
  • mempersempit jaminan yang diberikan dengan adanya aplikasi Limit
  • mengecualikan beberapa kondisi yang perlu ditegaskan kembali
  • Memperluas jaminan atau manfaat bagi polis anda

Update Berita


Ketahui Manfaat Klausula Tambahan bagi Polis Asuransi Property Anda

Klausula ini sangat penting untuk anda ketahui, karena diperlukan pemahaman lebih lanjut mengenai apa yang dijamin, apa yang tidak dijamin, berapa batasan jaminannya dan bagaimana aplikasinya.

Beberapa klausula yang biasanya dilekatkan pada Polis Property anda bergantung kepada industri Okupasi bisnis anda yang diasuransikan, tapi secara umum biasanya klausula yang dilekatan adalah sbb :

  1. All other contents Clause
    Alterations and Repairs Clause
    Alterations Clause
    Appraisement Value Clause (5% of SI)
    Architects’, Surveyors’ and Consulting Engineers’ Expenses (5%)
    Automatic Addition and Deletion Clause
    Automatic Increase Clause
    Automatic Reinstatement of Loss Clause
    Automatic Reinstatement of SI Clause
    Average Relief Clause (85%)
    Awning, Blinds, Signs or other outdoor fittings of every description Clause
    Banker’s Clause i.f.O ………………………………
    BMAI Clause
    Brand and Label Clause
    Breach of Warranty Clause
    Burst of Pipe Endorsement
    Capital Additions Clause (10%)
    Civil Authorities Clause
    Claim Mitigation Clause
    Co-Insurance Clause
    Compulsory Clause
    Computer Records Clause
    Contract Price Clause
    Cost of Re-Erection Clause
    Cost of Re-writing Record and Claim Preparation Cl
    Cost of Temporary Protection
    Currency Clause
    Customer’s Goods Clause
    Cyber Risk Exclusion Clause NMA 2912
    Defferred Premium
    Defunct Spares Clause
    Demurrage a/o Dead Freight a/o Time Charter a/o Sales Agreement
    Designation Clause
    Deterioration of Stock Clause
    Dispute Clause
    Duties Clause
    EDRC A
    Electrical Short Circuit Clause (Compulsory)
    Employees Personal Effect Clause (with applicable sub limit in excess of deductible is max IDR. 2.500.000,00 for any one employee and IDR. 100.000.000,00 in the aggregate)
    Errors and Omission Clause
    Expediting Expenses Clause
    Extended to Include Guest Effect Clause
    Extended to include Non Licensed Vehicle
    Fire Brigades Charges Clause (reasonable cost)
    Fire Extinguishing Cost Clause (reasonable cost)
    Floor Space Ratio Index Clause
    General Interest Clause
    Guest Effect Clause
    Impact by Own and Non Owned Vehicle Clause
    Important Notice Clause
    Indonesian Jurisdiction Clause
    Internal Removal Clause
    Interpretation Clause
    Landscape Clause
    Larceny Clause
    Leased Property Clause
    Lender’s Interest Clause
    Lessor’s Interest Clause
    Loading and Unloading Clause
    Lock and Keys Clause
    Loss Notification Clause (30 Days)
    Loss of Damaged Goods Clause
    Metered Gas Extension Clause
    Minor Alterations and Repairs Clause
    Mis-Description Clause
    Money and Jewelry in Safe Endt
    Money in the premises Extension Cover
    New Location and New Equipment Clause (60 Days)
    No Control Clause
    Nominated Loss Adjusters Clause
    Non Automatic Renewal Clause
    Non Invalidation Clause
    Non Licensed Vehicle Clause
    Notification Clause
    On Site Off Site Storage
    Outbuilding Clause
    Output Substitute Clause for T/o Clause
    Overtime, Nightwork, work on Public holidays
    Payment on Account Clause (25%)
    Premises Clause
    Preventive Measures Clause
    Professional Accountant Clause
    Property and Machinery undergoing construction and Erection
    Property held in trust
    Pro-Rata Refund Premium Clause
    Public Authorities Clause
    Reinstatement Value Clause
    Removal of Debris Clause (10% exceed of TSI)
    Removal Permit Clause
    Rent Clause (loss of Rent Cover)
    RSMDCC Code 4.1B
    Selling Price Clause
    Service Clause
    Seventy Two (72) hours Clause (for EQVET & TWFWD)
    Smoke and Vehicle Impact Clause as per DAI 4.11
    Special Electrical Short Cricuit Coverage Clause
    Spontaneous Combustion Clause
    Sprinkler Leakage Clause
    Stock Declaraions Clause – If Adjustable Stock
    Structural Alterations Clause
    Subsidence and Landslide Coverage Extension
    Sue and Labour Clause
    Suppliers and Customers Extention Clause (unnamed)
    Tempest, Windstorm, Flood, Water Damage Endt 4.3
    Temporary Removal Clause
    Tenants Improvements Clause
    Tenants Privilege Granted Clause
    Theft Extension Memo without forcible Entry
    Thirty (30) Days Cancellation Notice Clause except for RSMDCC ; 3 days EQVET : 5 days
    Undamaged Stock Clause
    Value Paper and Records
    Vehicle Load Clause
    Waiver of Subrogation against subsiniaries
    War & Terrorism Exclusion Clause NMA 2920
    Workmen’s Clause

Untuk memahami klausula klausula ini diperlukan waktu khusus untuk meneliti satu persatu, mendiskusikan contoh permasalahan terkait dengan masing-masing klausula. dan tentunya kami pasti siap membantui untuk memberikan penjelasan lebih lanjut.

Karena pada setiap Judul Klausul tersebut diatas, akan ada ayat wording lanjutan pada rincian masing-masing klausula ini.

Bagi sahabat Caraka yang memerlukan informasi lebih lanjut mengenai produk asuransi atau membutuhkan konsultasi,  Informasi lebih lanjut silahkan hubungi petugas kami atau kunjungi https://carakamulia.net/ 

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