Klausula Asuransi yang dilekatkan pada Polis Standar Asuransi Kendaraan Bermotor Indonesia

Klausula Asuransi yang dilekatkan pada Polis Standar Asuransi Kendaraan Bermotor Indonesia adalah beberapa klausula yang diperkenankan dicantumkan pada Polis Asuransi Kendaraan Bermotor Standar AAUI

TOTAL LOSS AND THIRD—PARTY LEGAL LIABILITY CLAUSE
(COVERAGE C)

It is hereby noted and agreed, that this insurance covers total loss to the insured motor vehicle as stated in Chapter IV section 15 subsection 2 and legal liability of the Insured to Third Party, directly caused by insured motor vehicle as stated in Chapter I section 2 of this Policy.

Kl. KBM – 01

TOTAL LOSS ONLY CLAUSE
(COVERAGE D)

It is hereby noted and agreed, that this insurance covers total loss only to the insured motor vehicle, only if complying with the provisions as stated in Chapter IV section 15 subsection 2 of this Policy.

Kl. KBM – 02

CLAUSE OF THIRD-PARTY LEGAL LIABILITY ONLY
(COVERAGE E)

It is hereby noted and agreed, that this insurance only covers loss being the legal liability of the Insured Person to Third Party, directly caused by the insured motor vehicle as stated in Chapter I section 2 of this Policy.

Kl. KBM – 03

PASSENGER LEGAL LIABILITY CLAUSE

It is hereby noted and agreed, that with additional premium, this insurance shall extend to include coverage against legal liability of the Insured Person for death, bodily injury, medical expenses including any loss and or damage to property of passengers that at the time of accident in the insured motor vehicle resulting from risks covered by the Policy, except to:
1. Spouses, children, parents and siblings of the Insured;
2. People working for and people under the supervision of the Insured;
3. People living with the Insured;
4. Management, Shareholders, Commissioners, and Employees, in case the Insured is a Legal Entity.

Limit of Liability for the Insured: ………………… any one accident.

Kl. KBM – 04

Klausula Asuransi yang dilekatkan pada Polis Standar Asuransi Kendaraan Bermotor Indonesia

PERSONAL ACCIDENT CLAUSE

It is hereby noted and agreed, that with additional premium, this insurance shall extend to include coverage against bodily injury or death to and or medical expenses for driver and or passengers inside motor vehicle directly caused by such motor vehicle resulting from risks covered by the Policy, as stipulated under the following:

A. Death or permanent disablemet
No. Description Benefit per person
% of the sum insured
1. Death 100%
2. Permanent disablement of sight of both eyes 100%
3. Permanent disablement of both hands or feet or one hand and one foot 100%
4. Permanent disablement of one hand or one foot, and loss of sight of one eye 100%
5. Permanent disablement of one hand or one foot or total loss of sight of one eye. 75%

B. Medical expenses
Maximum medical expenses for bodily injury to drivers and or passengers is 10% of the limit of liability for extension of Personal Accident coverage.
Limit of liability for the Insurer: ………… per person any one accident.

Kl. KBM – 05

BANKER’s CLAUSE

It is hereby noted and agreed, that the insured motor vehicle under this Policy has been mortgaged with Bank ……
In connection therewith, it has been agreed upon between the Bank and the Insured, that:
1. In the event of total loss covered under this Policy, indemnity will be paid to the Bank.
2. In the event of partial loss, indemnity may be paid to the Bank if there is a written request from the Bank.

Settlement of indemnity that becomes due to the Insured shall become the full liability of the Bank.

This Clause shall no longer be valid after the notification from the Bank concerned is received, that such Bank shall no longer have any interest in the motor vehicle insured under this Policy.

Kl. KBM – 06

LEASING CLAUSE

It is hereby noted and agreed, that the insured motor vehicle under this Policy has been financed by PT…
In connection therewith, it has been agreed upon between such finance company and the Insured, that:
1. In the event of total loss covered under this Policy, indemnity will be paid to such finance company.
2. In the event of partial loss, indemnity may be paid to the finance company if there is a written request from the finance company.

Settlement of indemnity that becomes due to the Insured shall become the full liability of finance company.

This Clause shall no longer be valid after the notification from the Finance Company concerned is received, that such Finance Company shall no longer have any interest in the motor vehicle insured under this Policy.

Kl. KBM – 07

TRAILER CLAUSE

It is hereby noted and agreed upon that all the word “motor vehicle” in this Policy shall be read as “Motor Vehicle and Two Wheel/Four Wheel/More*) Trailer connected to such Motor Vehicle”.

*) deleted if does not apply.

Kl. KBM – 08

Klausula Asuransi yang dilekatkan pada Polis Standar Asuransi Kendaraan Bermotor Indonesia

CIVIL COMMOTION CLAUSE
It is hereby noted and agreed that with additional premium, this insurance shall extend to include coverage as stipulated below:

1. RISKS COVERED
2.1 Any damage to insured motor vehicle or interest directly caused by one or more of the following risks:
1.1.1 Riot
1.1.2 Strike
1.1.3 Lock-Out
1.1.4 Brawling
1.1.5 Civil Commotion
1.1.6 Insurrection without the use of firearms
1.1.7 Revolution without the use of firearms
1.1.8 Prevention in relation to risks in item 1.1.1 up to 1.1.7
2.2 Any loss over insured motor vehicle and or interest directly caused by looting that occurs during Riot (item 1.1.1) or Civil Commotion (item 1.1.5)
Provided that such risks do not escalate in an uninterrupted chain of events into one or more of the excluded perils.

2. EXCLUDED RISKS
Extension of this insurance shall exclude any loss or damage, including loss or damage due to fires in insured motor vehicle and or interest, directly or indirectly cause by or resulting from:
2.1 Ceased of all or some of work or delay or disturbance or termination of a process or activity.
2.2 Loss of right permanently or temporarily due to confiscation, commandeering or requisition by the authority, or occupied illegally or against the law by a person.
2.3 Business Interruption or any kind of consequential loss in whatever form or nature.

In any action, suit or other proceedings, where the Insurer alleges that loss or damage is directly or indirectly caused by one or more of the excluded perils above, the burden of proof that such loss or damage is covered shall be on the Insured.

3. Own Risk
For each claim covered under the provision of this Endorsement, the Insured shall bear own risk as follows:
2.1 For Total Loss 5% of the sum insured.
2.2 For Partial Loss Rp.500.000,- any one accident.

4. Cancelation
This clause may be cancelled at any time by the Insurer by giving written notice through Registered Letter, Facsimile, Telex or Telegram to the Insured at his last known address.
The Insurer is relieved from all liability under this clause 3 (three) calendar days after the date of dispatch of written notice at 12.00 hours local time where the insured object is located.
As a result of this cancellation, the Insurer is obliged to return prorata premium for the unexpired period of insurance.

Other terms and conditions under this Policy shall remain unchanged.

Kl. KBM – 09

CIVIL COMMOTION, TERRORISM, AND SABOTAGE

It is hereby noted and agreed that, with additional premium, this insurance shall extend to include the coverage as stipulated below:

1. RISKS COVERED
1.1. Any damage to insured motor vehicle and or interest directly caused by one or more of the following risks:
1.1.1 Riot
1.1.2 Strike
1.1.3 Lock-Out
1.1.4 Brawling
1.1.5 Civil Commotion
1.1.6 Insurrection without the use of firearms
1.1.7 Revolution without the use of firearms
1.1.8 Rebellion
1.1.9 Terrorism
1.1.10 Sabotage
1.1.11 Normal prevention in relation to risks in item 1.1.1 up to 1.1.10.
1.2. Any loss over insured motor vehicle or interest directly caused by looting that occurs during Riot (item 1.1.1) or Civil Commotion (item 1.1.5)
Provided that such risks do not escalate in an uninterrupted chain of events into one or more of the excluded perils.

2. EXCLUDED RISKS
Extension of this insurance shall not exclude any loss or damage, including loss or damage due to fires in insured motor vehicle and or interest, directly or indirectly caused by or resulting from:
2.1 Ceased of all or some of work or delay or disturbance or termination of a process or activity.
2.2 Loss of right permanently or temporarily due to confiscation, commandeering or requisition by the authority, or occupied illegally or against the law by a person.
2.3 Business Interruption or any kind of consequential loss in whatever form or nature.

3. OWN RISK
For each claim covered under the provision of this Endorsement, the Insured shall bear own risk as follows:
3.1 For Total Loss 5% of the sum insured
3.2 For Partial Loss Rp.500.000,- any one accident

5. Cancelation
This clause may be cancelled at any time by the Insurer by giving written notice through Registered Letter, Facsimile, Telex or Telegram to the Insured at his last known address.
The Insurer is relieved from all liability under this clause 3 (three) calendar days after the date of dispatch of written notice at 12.00 hours local time where the insured object is located.
As a result of this cancellation, the Insurer is obliged to return prorata premium for the unexpired period of insurance.

Other terms and conditions under this Policy shall remain unchanged.

Kl. KBM – 10

Klausula Asuransi yang dilekatkan pada Polis Standar Asuransi Kendaraan Bermotor Indonesia

EARTHQUAKE, TSUNAMI AND OR VOLCANIC ERUPTION

It is hereby noted and agreed, that with additional premium, this insurance shall extend to include coverage against loss or damage to insured motor vehicle, directly caused by earthquake, tsunami and or volcanic eruption.

Own Risk: 10% of loss, a minimum of Rp.500.000,- any one accident.

Kl.KBM – 11

STORM, HAIL, FLOOD AND OR LANDSLIDE CLAUSE

It is hereby noted and agreed, that with additional premium, this insurance shall extend to include coverage against loss and or damage to insured motor vehicle, directly caused by storm, hail, flood, inundation and or landslide.

Own Risk: 10% of loss, a minimum of Rp.500.000,- any one accident.

Kl. KBM – 12

Klausula Asuransi yang dilekatkan pada Polis Standar Asuransi Kendaraan Bermotor Indonesia adalah beberapa klausula yang diperkenankan dicantumkan pada Polis Asuransi Kendaraan Bermotor Standar AAUI

Klausula Asuransi yang dilekatkan pada Polis Standar Asuransi Kendaraan Bermotor Indonesia