SMOKE AND VEHICLE IMPACT 4.11
Risks : IAR, FIRE
It is hereby declared and agreed that by deleting the word “vehicle impact” in CHAPTER II-EXCEPTION item 1.3.2. of this Policy, the Insurance hereunder is extended to cover :
4.11.1 VEHICLE IMPACT, which for the purpose of this Endorsement shall mean :
Damage to the property insured directly resulting from actual physical contact of a vehicle
with the property insured hereunder or with the building containing such property.
Provided that the Insurer shall not be liable for any damage caused :
i) By any vehicle owned or operated by the Insured or by any tenant of the insured
ii) To fences, driveways, walk ways or lawns
iii) To any other vehicle including its contents, other than stock of vehicles in process of
manufacture or for sale
For the purpose of this Endorsement, “vehicle” shall mean any Vehicle running or land or
tracks but not aircraft. It is further agreed that for each and every loss recoverable
hereunder, the Insured shall bear Rp. 1.000.000,00 (One Million Rupiahs).
4.11.2 INDUSTRIAL SMOKE, which for the purpose of this Endorsement shall mean :
Loss or damage to the property insured resulting from smoke due to a sudden, unusual and
faulty operation of any heating or cooking units connected to a chimney by a smoke pipe or
by a vent pipe, which is in or on the Insured premises excluding, however, smoke from
fireplaces or industrial apparatus.
(This wording is a translation of the original version in Bahasa Indonesia, in the event of any dispute arising from the interpretation of any meaning herein, the terms and conditions shall be interpreted according to the original Bahasa Indonesia Version)