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Brochure & Application Form |
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Fire Insurance is an insurance which covers any accidental loss of/or damage to your property and/or
interest caused by fire and other perils which is covered under the policy.
Insurance companies in Indonesia generally refer to the Indonesian Standard Fire Policy.
Perils Insured under Indonesian Standard Fire Policy are :
- Fire
- Lightning
- Explosion
- Impact of falling aircraft
- Smoke
Extended coverage with additional premium that are usually offered by
Insurance companies accompanying the Indonesian Standard Fire Policy are :
- Riot, Strike, Malicious Damage (RSMD) plus Civil Commotion as per DAI version
- Earthquake, Fire and explosion following earthquake, Volcanic Eruption, Tsunami
- Removal of Debris
- Landslide/Landslip
- Business Interruption
- Typhoon Flood, Water Damage Windstorm
- Smoke and Vehicle Impact
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Property All Risks (PAR) is an insurance which covers any unforseen,
sudden and accidental physical loss/damage/destruction to the insured's property subject
to some exclusion causes as follows :
- War, invasion, act of foreign enemy, hostilities, strike, riot, civil commotion,
revolution, terrorism, sabotage and the like
- Nuclear radiations or contaminations
- Nuclear radioactive toxic explosive
- Willful act or willful negligence of the insured or the insured's representatives
- Total or partial cessation of work
Kinds of Coverage in a Property All Risks insurance policy consists of two sections as follows :
- Section 1 : Material Damage
- Section 2 : Business Interruption
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| Note: All the description above are virtually very general, information in details shall be determined by terms and conditions mentioned in the policy. |
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