Jika ledakan terjadi di dalam wadah akibat reaksi kimia, segala kerusakan pada wadah dapat dikompensasi meskipun dinding wadah tidak terbuka. Polis ini tidak menjamin kerugian atau kerusakan terhadap harta benda dan/atau kepentingan yang dipertanggungkan yang secara langsung atau tidak langsung disebabkan oleh, timbul dari atau akibat dari risiko-risiko dan/atau biaya-biaya berikut ini, kecuali secara tegas dilindungi oleh perluasan pertanggungan tersendiri untuk tujuan tersebut. Polis ini tidak menjamin segala kerugian atau kerusakan terhadap harta benda dan/atau kepentingan yang dipertanggungkan secara langsung atau tidak langsung, yang timbul dari atau sebagai akibat dari risiko dan/atau pengeluaran berikut ini, kecuali jika diperpanjang lain.
Dalam setiap tindakan, tuntutan atau proses hukum lainnya, dimana Penanggung menyatakan bahwa kerugian atau kerusakan secara langsung atau tidak langsung disebabkan oleh satu atau lebih hal tersebut. Kecuali secara tegas dijamin oleh perluasan pertanggungan khusus, polis ini tidak menjamin kerugian atau kerusakan harta benda yang menjadi penyebabnya. Kecuali dinyatakan secara tegas dalam Ringkasan Pertanggungan sebagai harta benda dan/atau kepentingan yang dipertanggungkan, Polis ini tidak menjamin: 2.2.1.
Civil Commotion is an act of a large number of people acting together and tumultuously disturbing the public peace and unrest by violence and a chain of destruction of a large number of properties, evidenced by the cessation of more than half of the normal commercial activities/shopping activities. or business areas or schools or public transport in one city for a minimum of 24 (twenty-four) hours continuously, starting immediately before, during or after the event. Rebellion/Popular Uprising is an uprising of a majority of the population in the capital of the country, or in three or more capitals of the provinces, within twelve (twelve) days, demanding de jure or de facto a change of government. or open opposition to the government de jure or de facto, which does not amount to an insurrection. Revolution is an uprising of the people by force to bring about a radical change in the current public administration of the country or to overthrow the established government de jure or de facto, which does not amount to an insurrection.
Subversive acts are acts by any person on behalf of or in connection with any organization with activities aimed at overthrowing a government by "de jure" or "de facto" force, or at influencing it by terrorism, sabotage or violence.
Sabotase adalah tindakan perusakan harta benda atau menghalangi kelancaran suatu pekerjaan atau mengakibatkan turunnya nilai suatu karya, yang dilakukan oleh seseorang dalam upaya mencapai suatu tujuan yang menurut pendapat masyarakat mempunyai latar belakang politik. Penjarahan adalah pengambilan atau perampasan barang milik orang lain oleh seseorang (termasuk orang-orang yang berada di bawah pengawasan Tertanggung), dengan tujuan untuk menguasai atau memilikinya secara melawan hukum.
CHAPTER IV CONDITIONS
- PASAL 2
- PREMIUM PAYMENT
- PASAL 3 PERUBAHAN RISIKO
- ARTICLE 3 ALTERATION TO RISK
- PASAL 4
- PASAL 5
- ARTICLE 4
- PASAL 6 SISA BARANG
- PASAL 7
- SALVAGE
- CLAIM PROCEDURES
- PASAL 8
- FRAUDULENT REPORT
- PASAL 9
- ARTICLE 9
- PASAL 10
- ARTICLE 10
- PASAL 11
- ARTICLE 11
- PASAL 12
- ARTICLE 12 UNDER INSURANCE
- PASAL 13 BIAYA YANG DIGANTI
- PASAL 14
- PASAL 15
- ARTICLE 13 REIMBURSEMENT
- ARTICLE 14 OTHER INSURANCE
- PASAL 16 SUBROGASI
- RISIKO SENDIRI
- ARTICLE 16 SUBROGATION
- DEDUCTIBLE
- PASAL 18
- PASAL 19
- PASAL 20
- ARTICLE 18 INDEMNIFICATION
- ARTICLE 19
- PASAL 21 MATA UANG
- PASAL 22
- CURRENCY
- PASAL 23
- PASAL 24
- ARTICLE 23 REFUND OF PREMIUM
- DISPUTE CLAUSE
- LEMBAGA ALTERNATIF PENYELESAIAN SENGKETA
- PENGADILAN
- PASAL 25 PENUTUP
- ALTERNATIVE DISPUTE RESOLUTION BODY
- COURT
- ARTICLE 25 CONCLUSION
The insured person remains obliged to pay the time premium for the already expired insurance period in the amount of 20% (twenty percent) of the annual premium. In connection with the changes in risk specified in point (3.1.) above, the insurance company is entitled to. The provisions from paragraph (6.1.) above do not imply recognition of the insurance company's responsibility under this Policy.
Where the type of items insured is specified in this Policy, the provision under paragraph (9.2.1.) above will only apply if such items were present on the premises at the time of the loss or damage. The valuation is based on the actual value of the insured property immediately before the loss or damage, taking into account the technical depreciation factor, without any addition to profit. The insurer's liability for loss or damage to the insured property will not exceed the insured amount.
If, at the time of loss or damage caused by the perils covered by this policy, the total sum insured is less than the actual value of all the property insured immediately before the loss or damage, then the insured shall be deemed to be its own insured for the difference and bear the corresponding taxable share of the loss . At the time of confiscation of this insurance, the insured is obliged to inform the insurance company about all other insurances that have already been taken out on the same property and/or interest, if any. Pursuant to Article 284 of the Commercial Code (Kitab Undang - Undang Hukum Dagang), upon payment of compensation for the property and/or interest insured under this policy, the insurance company will replace the insured with respect to all rights the insured has against a third party in connection with the loss.
The insured remains responsible for any action that could potentially prejudice the insurer's rights against third parties. The inability of the Insured to carry out its responsibilities under paragraph (16.2.) above will eliminate or reduce the Insured's rights to compensation under this Policy. For any loss, the Insured will bear the amount of the deductible stated in the Policy.
The Insurer is obliged to settle the indemnity payment within 30 (thirty) calendar days after reaching a written agreement between the Insurer and the Insured or after confirming the indemnity amount. The Insurer is released from all obligations under this Policy within 5 (five) calendar days from the date of sending the notice. In relation to the provisions of this article, the Insurer and the Insured agree to waive Articles 1266 and 1267 of the Indonesian Civil Code and the termination of this insurance shall be without seeking any consent of the Court (Pengadilan Negeri).
In the event of any dispute arising between the Insurer and the Insured as a result of the interpretation of the obligation or the amount of compensation of this Policy, the dispute will be resolved amicably by the Insurers' complaint handling and resolution unit within calendar 60 (sixty). days arose from the dispute. The dispute arises after the Insured has expressed disagreement in writing on the matter of the dispute. It is stated and agreed that the Insured and the Insurer will settle the dispute through the Court (Pengadilan Negeri) within the territory of the Republic of Indonesia.
Other matters which may not be sufficiently determined in this policy are subject to the provisions of the Commercial Code (Kitab.
