Wordings

Adalah bagian dari Polis (perjanjian Asuransi) yang berisi ketentuan, kondisi dan persyaratan pertanggungan (Terms & Conditions), wordings ada yang bersifat standar (standard wordings) yang berisi ketentuan yang standar atau berlaku sama disemua perusahaan, dan ada yang bersifat non standar (tailor made wordings) yang dikeluarkan oleh suatu perusahaan tertentu, untuk tailor made wordings tidak bisa di download disini karena bisa melanggar hak cipta pembuatnya

Clauses

Adalah ketentuan tambahan yang umumnya berisi benefit tambahan atau perluasan jaminan (additional extensions) dari standard wordings namun juga bisa berisi additional exclusions

Asuransi Harta Benda (Property Insurance)

Wordings   Clauses    Asuransi Kebakaran (Fire Insurance)  

Wordings   Clauses    Asuransi Paket Rumah Tinggal (Home Insurance)

Wordings   Clauses    Asuransi Paket Toko (Shophouse Insurance)

Wordings   Clauses    Asuransi Property All Risks (Industrial All Risks) – PAR

Wordings   Clauses    Asuransi Gempa Bumi (Earthquake Insurance) 

Asuransi Rekayasa (Engineering Insurance)

Wordings   Clauses    Asuransi Konstruksi (Contractors All Risks) – CAR

Wordings   Clauses    Asuransi Pemasangan Mesin (Erection All Risks) – EAR

Wordings   Clauses    Asuransi Alat Berat (Contractors Plant and Equipments) – CPM

Wordings   Clauses    Asuransi Peralatan Elektronik (Electronic Equipment Insurance) – EEI

Wordings   Clauses    Asuransi Mesin (Machinery Breakdown) – MB

Wordings   Clauses    Asuransi Loss of Profit following Machinery Breakdown – LoP MB

Wordings   Clauses    Asuransi Boiler (Boiler and Pressure Vessel Insurance)

Wordings   Clauses    Asuransi Pekerjaan Sipil (Civil Engineering and Completed Risks)

Wordings   Clauses    Asuransi Stocks (Deterioration of Stocks)

Wordings   Clauses    Asuransi Kendaraan Bermotor (Motor Vehicle Insurance)

Asuransi Marine Risks & Marine Liability

Wordings   Clauses    Asuransi Pengangkutan Barang (Marine Cargo Insurance)

Wordings   Clauses    Asuransi Kapal (Marine Hull)

Wordings   Clauses    Asuransi Protection and Indemnity (P&I)

Wordings   Clauses    Asuransi Charterers Liability

Wordings   Clauses    Asuransi Freight Forwarders Liability

Wordings   Clauses    Asuransi Builders Risks

Wordings   Clauses    Asuransi Ship Builders Liability

Wordings   Clauses    Asuransi Terminal / Port Liability 

Asuransi Tanggung Gugat (Liability)

Wordings   Clauses    Asuransi Public Liability

Wordings   Clauses    Asuransi Product Liability

Wordings   Clauses    Asuransi Comprehensive General Liability (CGL)

Wordings   Clauses    Asuransi Automobile Liability

Wordings   Clauses    Asuransi Workmens Compensation

Wordings   Clauses    Asuransi Employers Liability

Asuransi Professional Liability

Wordings   Clauses    Asuransi Professional Indemnity (PI)

Wordings   Clauses    Asuransi Contractors Libility

Wordings   Clauses    Asuransi Directors & Oficers Liability (D&O)

Wordings   Clauses    Asuransi Medical Malpractice

Asuransi Aneka (Miscellaneous)

Wordings   Clauses    Asuransi Pencurian (Burgary)

Wordings   Clauses    Asuransi Uang (Money Insurance)

Wordings   Clauses    Asuransi Kecelakaan (Personal Accident)

Wordings   Clauses    Asuransi Keluarga (Family Personal Accident)

Wordings   Clauses    Asuransi Kesehatan (Health Insurance)

Wordings   Clauses    Asuransi Perjalanan (Travel Insurance)

Asuransi Jaminan (Surety Bond / Guarantee)

Wordings   Clauses    Jaminan Tender (Bid Bond)

Wordings   Clauses    Jaminan Uang Muka (Advance Payment Bond)

Wordings   Clauses    Jaminan Pelaksanaan (Performance Bond)

Wordings   Clauses    Jaminan Pemeliharaan (Maintenance Bond)

Untuk konsultasi dan keterangan lebih lanjut, silakan hubungi:

Telp: +628128079130

Email: imusjab@qbe.co.id

oleh IMAM MUSJAB di www.ahliasuransi.com

Contractors’ All Risks (CAR) Insurance

• Car pol.pdf Contractors All Risks

·         CAR Clauses

•  
  • 001 Strike, riot and civil commotion
  • 002 Cross liability
  • 003 Maintenance visits
  • 004 Extended maintenance
  • 005 Construction and/or erection time schedule
  • 006 Overtime, night work, night work on public holidays and express freight
  • 007 Extra charges for airfreight
  • 008 Structures in earthquake zones
  • 009 Earthquake
  • 010 Flood and inundation
  • 012 Windstorm or wind-related water damage
  • 013 Property in off-site storage
  • 100 Testing of machinery and installations
  • 101 Tunnels, galleries, temporary or permanent subsurface structures or installations
  • 102 Underground cables, pipes and other facilities
  • 103 Crops, forests and cultures
  • 104 Dams and water reservoirs
  • 106 Sections
  • 107 Camps and stores
  • 108 Construction plant, equipment and machinery
  • 109 Construction material
  • 110 Safety measures with respect to precipitation, flood and inundation
  • 111 Removal of debris from landslides
  • 112 Fire-fighting facilities and fire safety on construction sites
  • 113 Inland transit
  • 114 Serial losses
  • 115 Designer’s risk
  • 116 Contract works taken over or put into service
  • 117 Laying water supply and sewer pipes
  • 118 Drilling work for water wells
  • 119 Existing property
  • 120 Vibration, removal or weakening of support
  • 121 Piling foundation and retaining wall works

Source: The International Association of Engineering Insurers (IMIA)

Source: Munich Re

Defect Exclusion DE1, DE2, DE3, DE4, DE5 (1995). Please download here

Outright Defect Exclusion DE1 (1995)

This policy excludes loss of or damage to the Property Insured due to defective design plan specification materials or workmanship.

Extended Defective Condition Exclusion DE2 (1995)

This policy excludes loss of or damage to and the cost necessary to replace repair or rectify

(a)          Property Insured which is in a defective condition due to a defect in design plan specification materials or workmanship of such Property Insured or any part thereof

(b)         Property Insured which relies for its support or stability on (a) above

(c)          Property Insured lost or damaged to enable the replacement repair or rectification of Property Insured excluded by (a) and (b) above

Exclusion (a) and (b) above shall not apply to other Property Insured which is free of the defective condition but is damaged in consequence thereof.

For the purpose of this policy and not merely this Exclusion the Property Insured shall not be regarded as lost or damaged solely by virtue of the existence of any defect in design plan specification materials or workmanship in the Property Insured or any part thereof

Limited Defective Condition Exclusion DE3 (1995)

This policy excludes loss of or damage to and the cost necessary to replace repair or rectify

(a)          Property Insured which is in a defective conditions due to defect in design plan specification materials or workmanship of such Property Insured or any part thereof

(b)         Property Insured lost or damaged to enable the replacement repair rectification of Property Insured excluded by (a) above

Exclusion (a) above shall not apply to other Property Insured which is free of the defective condition but is damaged in consequence thereof.

For the purpose of the Policy and not merely this Exclusion the Property Insured shall not be regarded as lost or damaged solely by virtue of the existence of any defect in design plan specification material or workmanship in the Property Insured or any part thereof.

Defective Part Exclusion DE4 (1995)

This policy excludes loss of or damage to and the cost necessary to replace repair or rectify

(a)          Any component or individual item of the Property Insured which is defective in design plan specification materials or workmanship

(b)         Property Insured lost or damaged to enable the replacement repair or rectification of Property Insured excluded by (a) above

Exclusion (a) above shall not apply to other parts or items of Property Insured which are free from defect but are damaged in consequence thereof.

For the purpose of the Policy and not merely this Exclusion the Property Insured shall not be regarded as lost or damaged solely by virtue of the existence of any defect in design plan material specification or workmanship in the Property Insured or any part thereof.

Design Improvement Exclusion DE5 (1995)

This policy excludes:

(a)          The cost necessary to replace repair or rectify any Property Insured which is defective in design plan specification materials or workmanship.

(b)         Loss or damage to the Property Insured caused to enable replacement repair or rectification of such defective Property Insured.

But should damage to the Property Insured which is free of such defective condition (other than damage as defined in (b) above) result from such a defect this exclusion shall be limited to the costs of additional work resulting from and the additional costs of improvement to the original design plan specification materials or workmanship.

For the purpose of the policy and not merely this Exclusion the Property Insured shall not be regarded as lost or damaged solely by virtue of the existence of any defect in design plan specification materials or workmanship in the Property Insured or any part thereof.

LEG 1, LEG 2, LEG 3/1996 – The London Engineering Group Model “Defects Exclusion”. Please download here

LEG 1/96 – The London Engineering Group Model “Outright” Defects Exclusion

The Insurer(s) shall not be liable for:

Loss or damage due to defects of material workmanship design plan or specification.

LEG 2/96 – The London Engineering Group Model “Consequences” Defects Wording

The Insurer(s) shall not be liable for:

All costs rendered necessary by defects of material workmanship design plan or specification and should damage occur to any portion of the Insured Property containing any of the said defects the cost of replacement or rectification which is hereby excluded is that cost which would have been incurred if replacement or rectification of the Insured Property had been put in hand immediately prior to the said damage.

For the purpose of this policy and not merely this exclusion it is understood and agreed that any portion of the Insured Property shall not be regarded as damaged solely by virtue of the existence of any defect of material workmanship design plan or specification

LEG 3/96 – The London Engineering Group Model “Improvement Consequences” Defects Wording

The Insurer(s) shall not be liable for:

All costs rendered necessary by defects of material workmanship design plan or specification and should damage occur to any portion of the Insured Property containing any of the said defects the cost of replacement or rectification which is hereby excluded is that cost incurred to improve the original material workmanship design plan or specification.

For the purpose of this policy and not merely this exclusion it is understood and agreed that any portion of the Insured Property shall not be regarded as damaged solely by virtue of the existence of any defect of material workmanship design plan or specification.

MR115 – Cover for Designer’s Risk and MR200 – Cover of Manufacturer’s Risk – Please download here

MR115 – Cover for Designer’s Risk

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon and subject to the Insured having paid the agreed extra premium, exclusion c under Special Exclusions to Section l of the Policy shall be deleted and exclusion d replaced by the following wording:

d) The cost of replacement, repair or rectification of loss of or damage to items due to defective material and/or workmanship and/or faulty design, but this exclusion shall be limited to the items immediately affected and shall not be deemed to exclude loss of or damage to correctly executed items resulting from an accident due to such defective material and/or workmanship and/or faulty design.“

MR200 – Cover of Manufacturer’s Risk

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon and subject to the Insured having paid the agreed extra premium, lit c under “Special Exclusions to Section I” shall be replaced by the following wording:

“c all costs related to repair and/or replacement of parts and/or items directly affected by faulty design, defective material or casting, bad workmanship other than faults in erection, which the Insured would have incurred for rectifying the original fault had such fault been discovered before the loss occurred;”

This Endorsement does, however, not apply to parts and items of civil engineering sections.

MR003, MR004, MR201 – Maintenance Covers. Please download here

MR003 – Visits Maintenance Cover

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon and subject to the Insured having paid the agreed extra premium, this insurance shall be extended for the maintenance period specified hereunder to cover solely loss of or damage to the contract works caused by the insured contractor(s) in the course of the operations carried out for the purpose of complying with the obligations under the maintenance provisions of the contract.

Maintenance cover from                                   to

MR004 – Extended Maintenance Cover

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon and subject to the Insured having paid the agreed extra premium, this insurance shall be extended for the maintenance period specified hereunder to cover solely loss of or damage to the contract works caused by the insured contractor(s) in the course of the operations carried out for the purpose of complying with the obligations under the maintenance provisions of the contract, occurring during the maintenance period provided such loss or damage was caused on the site during the erection period before the certificate of completion for the lost or damaged section was issued.

Maintenance cover from                                   to

MR201 – Guarantee Cover

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon and subject to the Insured having paid the agreed extra premium, this insurance shall be extended for the guarantee period specified hereunder to cover solely loss of or damage to the insured items resulting from faults in erection, faulty design, defective material or casting, and/or bad workmanship, but excluding the costs the Insured would have incurred for rectifying the original fault had such fault been discovered before the loss occurred.

This extension shall not cover any loss or damage arising directly or indirectly from or in connection with fire, explosion and/or any Acts of God nor shall it cover any third party liability.

Guarantee cover from                           to

Deductible: 20 % of the loss amount, minimum ………….. any one occurrence.

Banyak rekan-rekan yang masih belum mengerti apa yang dijamin dalam “Maintenance Cover” dalam Polis Asuransi CAR / EAR. Sebagian menganggap bahwa risiko-risiko yang dijamin dalam Maintenance Cover (atau Maintenance Period) sama dengan risiko-risiko yang dijamin dalam Periode Konstruksi (Construction Period) dalam CAR atau Periode Instalasi (Erection Period) dalam EAR, sebagian bahkan berpendapat bahwa “Maintenance Cover” sama dengan memberikan free PAR cover atau free CECR cover. Padahal tidak demikian halnya, mari kita perhatikan.

Insurance cover for the maintenance period should only be granted when the works contract imposes maintenance liability on the contractor and only to the extent of the liability specified.

Therefore, study the works contract maintenance clauses and then propose a suitable endorsement.

Insurance cover during the maintenance period is basically limited to loss or damage caused by the contractor carrying out:

•minor adjustments,

•normal making good,

•replacing parts of sub-normal quality

•correcting deficiencies

to achieve guaranteed performance in fulfillment of his contractual obligations.

•This basic cover is given with the endorsement called: Visits Maintenance

Endorsement 003

Maintenance visits cover

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon and subject to the Insured having paid the agreed extra premium, this insurance shall be extended for the maintenance period specified hereunder to cover solely loss of or damage to the contract works caused by the insured contractor(s) in the course of the operations carried out for the purpose of complying with the obligations under the maintenance provisions of the contract.

Maintenance cover: from …… to …….

Extra premium: ……

Download : Endorsement 003 Maintenance visits cover

•This endorsement covers loss or damage due solely to acts and activities of the contractor on the site during the maintenance period and required by the works contract,

e.g. if the contractor damages a rolling mill gear which he has to open for inspection within the maintenance period, then the damage is covered.

Jadi, jelaslah bahwa Maintenance Cover hanya menjamin risiko-risiko pekerjaan maintenance saja untuk memenuhi kewajiban pekerjaan pemeliharaan sebagaimana dipersyaratkan dalam kontrak, tidak ada lagi jaminan atas risiko-risiko utama seperti kebakaran, petir, pencurian, banjir, tanah longsor, gempa bumi, dan lain-lain.

Jaminan asuransi dalam masa pemeliharaan (maintenance period) terbatas pada kerusakan atau kerugian yang disebabkan oleh kontraktor dalam melakukan pekerjaan pemeliharaan saja yang umumnya terbatas pada pekerjaan-pekerjaan penyetelan, perbaikan kecil, penggantian spare-parts, dan sejenisnya.

Extended Maintenance and Guarantee Maintenance memberikan jaminan yang lebih luas dari Visits Maintenance

Endorsement 004

Extended maintenance cover

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon and subject to the Insured having paid the agreed extra premium, this insurance shall be extended for the maintenance period specified hereunder to cover loss of or damage to the contract works

– caused by the insured contractor(s) in the course of the operations carried out for the purpose of complying with the obligations under the maintenance provisions of the contract,

– occurring during the maintenance period provided such loss or damage was caused on the site during the construction period before the certificate of completion for the lost or damaged section was issued.

Maintenance cover: from ….. to …..

Extra premium: …..

Download : Endorsement 004 Extended maintenance cover

•This endorsement includes the cover of Visits Maintenance

and additionally cover for accidental loss or damage caused by faults and errors made during the erection work or due to consequences of faulty material and/or bad workmanship, always excluding the faulty part.

•If during the maintenance period a motor shaft breaks, clearly due to bad alignment of the motor to the driven machine, which is an erection fault, the damage is covered.

•If a blast furnace fan disintegrates during the maintenance period because its shaft breaks due to faulty material, damage to the fan is covered. However, the faulty shaft and the normal cost of exchanging it would not be indemnified but only the cost of repairing all additional damage.

Extended Maintenance Cover menjamin Visits Maintenance plus kerusakan atau kerugian yang terjadi pada masa pemeliharaan namun penyebab kerusakan atau kerugian terjadi sebagai akibat kesalahan atau kelalaian saat periode konstruksi atau instalasi atau sebagai akibat cacat material atau cacat pengerjaan. Bagian yang cacat atau penyebab kerusakan dikecualikan.

Maintenance guarantee cover

If the insured is the manufacturer of the machinery or plant to be insured and has also been commissioned with the erection work, the manufacturer’s liability for loss or damage during the guarantee period, as stipulated in the supply contract, can be included in the insurance to a certain extent in addition to the abovementioned covers.

Endorsement 201

Guarantee Cover

It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon and subject to the Insured having paid the agreed extra premium, this insurance shall be extended for the guarantee period specified hereunder to cover solely loss of or damage to the insured items resulting from faults in erection, faulty design, defective material or casting, and/or bad workmanship, but excluding the costs the Insured would have incurred for rectifying the original fault had such fault been discovered before the loss occurred.

This extension shall not cover any loss or damage arising directly or indirectly from or in connection with fire, explosion and/or any Acts of God nor shall it cover any third party liability.

Guarantee cover from ….. to ……

Deductible: 20 % of the loss amount, …………… minimum any one occurrence.

Extra Premium: ……

Download : Endorsement 201 Guarantee Cover

•This endorsement includes cover of Extended Maintenance and additionally cover for accidental loss or damage due to consequences of faulty design,

e.g. if a crane bridge collapses because the design is inadequate, damage caused during the maintenance period to machinery erected and operating below is covered. However, replacing the too weak bridge by a correctly designed one would not be indemnified.

Jadi, Apakah sudah jelas apa yang dijamin dalam Maintenance Covers?

Jadi, Apakah sudah jelas perbedaan apa yang dijamin dalam Endorsement 003 Maintenance Visits cover v Endorsement 004 Extended Maintenance cover v Endorsement 201 Guarantee Cover?

Jika kurang jelas, silakan hubungi saya di +6281280791330 atau email di imusjab@qbe.co.id atau imusjab@gmail.com

Thanks to http://www.bosnare.ba/  who originally produce this material

Endorsement 003 Maintenance Visits Cover

Endorsement 004 Extended Maintenance Cover

Endorsement 201 Guarantee Cover

Ditulis kembali oleh Imam MUSJAB

Apakah kerugian atau kerusakan yang disebabkan oleh Faulty Design dijamin dalam Polis Asuransi CAR / EAR ?

Mari Kita perhatikan!

Apa yang dijamin dalam Polis Asuransi Contractors’ All Risks (CAR)? Baca di sini

Apa yang dijamin dalam Polis Asuransi Erection All Risks (EAR)? Baca di sini

Apakah kerugian atau kerusakan yang disebabkan oleh Faulty Design dijamin dalam Polis Asuransi CAR / EAR ?

Pengecualian Polis Asuransi Contractors’ All Risks (CAR)

The Insurers shall not, however, be liable for

c) loss or damage due to faulty design;

d) the cost of replacement, repair or rectification of defective material and/or workmanship, but this exclusion shall be limited to the items immediately affected and shall not be deemed to exclude loss of or damage to correctly executed items resulting from an accident due to such defective material and/or workmanship;

Pengecualian Polis Asuransi Erection All Risks (EAR)

The Insurers shall not, however, be liable for

c) loss or damage due to faulty design, defective material or casting, bad workmanship other than faults in erection;

Perluasan Jaminan untuk

Faulty Design Cover in CAR/EAR : MR115, MR200 v DE1, DE2, DE3, DE4, DE5 (1995) v LEG1, LEG2, LEG3 (1996) Endorsements

MR115 – Cover for Designer’s Risk and MR200 – Cover of Manufacturer’s Risk. Baca di sini

Defect Exclusion DE1, DE2, DE3, DE4, DE5 (1995) . Baca di sini

LEG 1, LEG 2, LEG 3/1996 – The London Engineering Group Model “Defects Exclusion” . Baca di sini

Apa perbedaanya?

Apa yang dijamin dalam Maintenance Covers? Baca di sini

Jika kurang jelas, silakan hubungi saya di +6281280791330 atau email di imusjab@qbe.co.id atauimusjab@gmail.com

Thanks to http://www.bosnare.ba/  who originally produce this material

Endorsement 003 Maintenance Visits Cover

Endorsement 004 Extended Maintenance Cover

Endorsement 201 Guarantee Cover

Ditulis kembali oleh Imam MUSJAB

Engineering Insurance Clauses

(Sort by alphabet)

1. Act Of God / Extended Perils. 6
2. Accidental Failure of Public Supplies. 6
3. Accumulated Stock Clause. 6
4. Addition and Deletion Clause. 6
5. Additional Insured Clause. 6
6. Additional Indemnity Clause. 6
7. Alternative Trading Clause. 7
8. Automatic Inclusion of Additional Items. 7
9. Automatic Reinstatement of the Sum Insured Clause. 7
10. Automatic Repairs Clause. 7
11. Average Relief Clause. 7
12. Average Relief Clause. 8
13. Banker’s Clause. 8
14. Biological or Chemical Material Exclusion (Amended To Exclude Terrorism Act Only) 8
15. Breach of Warranty Clause. 9
16. Cancellation Clause. 9
17. Choice of Law and Jurisdiction Clause. 9
18. Claim Appraisement Clause. 9
19. Claim Preparation Clause. 9
20. Claim Settlement Clause. 9
21. Claims Cooperation Clause. 10
22. Clarification Agreement Clause. 10
23. Co-Insurance Clause_1. 11
24. Co‑Insurance Clause_2. 11
25. Cold and Hot Testing, and Commissioning Clause. 11
26. Contracts rights and liabilities. 12
27. Cost of Re-Erection Clause. 12
28. Cost of Rewriting and Claim Preparation. 12
29. Constructive Total Loss. 13
30. Cover for Existing / Surrounding Property. 13
31. Currency Clause. 13
32. Customer Supplier Extension Clause. 13
33. Cut – Through Clause. 14
34. Cyber Virus Exclusion – Electronic Data Endorsement A.. 14
35. Damage to Property When Contractor Not Negligent Clause. 15
36. Debris Removal Clause. 15
37. Debris of Removal (Swiss RE) 15
38. Debris of Removal / Clearance of Debris (CAR Munich RE) 15
39. Debris of Removal / Clearance of Debris (EAR Munich RE) 16
40. Deferred Premium Clause. 17
41. Denial Access Clause. 18
42. Departmental Clause. 18
43. Dewatering Clause. 18
44. Dispute Clause A (Arbitration) 19
45. Dispute Clause C.. 19
46. Electrical Installation Clause (4.A) 20
47. Electrical Installation Clause (4.B) 20
48. Escalation Clause. 21
49. Event Definition. 21
50. Expediting Expense Clause. 22
51. Extra Contractual Obligation Clause. 22
52. Fifty Clause. 22
53. Fines, Penalties and Punitive Exemplary Damages Exclusion. 23
54. Fire Bridge Clause. 23
55. Fire Extinguishing Clause. 23
56. Free Issued Material Clause. 23
57. Full Replacement Value. 23
58. Indonesian Jurisdiction Clause. 24
59. Industries, Seepage, Pollution and Contamination Exclusion. 24
60. Infectious Diseases and Closure Extension. 24
61. Installation and Maintenance Clause. 24
62. Insured’s Consultant (Including Board of Directors of Principals or owner’s representation) Clause. 25
63. (LEG 2) Design Cover 25
64. Load Recovery (This clauses applied only for Logging Trucks and/or Trailers) 25
65. Loss Notification Clause (Maximum in 14 Days) 25
66. Loss Payee Clause. 25
67. Material Damage Proviso Waiver Clause. 26
68. Microorganism Endorsement (Toxic Mould Exclusion Clause) 26
69. Mold & Fungi Endorsement 26
70. MR 601 – Adjustment of Sum Insured and Premium… 26
71. MR 602 – Cover for Submerged and Deep-Well Pumps. 27
72. MR 603 – Cover for Conveyor Belts and Chains. 27
73. MR 604 – Depreciation Adjustment for the Rewinding of Electric Machines. 28
74. MR 605 – Inspection and Overhaul of Boilers. 28
75. MR 606 – Cover for External Data Media of EDP Systems. 28
76. MR 607 – Cover for Theft of Electronic Equipment 29
77. MR 701 – Cover of Mobile and Portable Equipment Outside the Premises. 29
78. MR 608 – Cover for Mobile and Portable Equipment outside the Premises. 30
79. MR 620 – Cover for Inland Transit 30
80. MR 621 – Cover for Water Well Drilling Rigs and Equipment 30
81. MR 630 – Insurance of Goods in Cold Storage under Controlled Atmosphere Conditions. 31
82. MR 631 – Failure of Public Power Supply. 32
83. MR 632 – Failure of Non-Public Power Supply. 32
84. MR 640 – Hull Risk for Mobile Equipment on Premises Only. 33
85. MR 641 – Hull Risk for Mobile Equipment Including Inland Transit 33
86. MR 710 – Exclusion of Mechanical and Electrical Breakdown. 33
87. MR 711 – Exclusion of Loss or Damage Due to Fire, Lightning, Explosion and Impact of Aircraft 33
88. MR 712 – Exclusion of Loss or Damage Due to Flood, Inundation, Storm or Tempest 34
89. MR 713 – Cover for Hurricane, Cyclone and Typhoon. 34
90. MR 731 – Adjustment of Sum Insured and Premium… 34
91. MR 811 – Hull Risk for Mobile Equipment on Premises only. 35
92. MR 812 – Hull Risk for Mobile Equipment Including Inland Transit 35
93. MR 813 – Internal Fire, Internal Chemical Explosion and Direct Lightning. 35
94. MR 817 – Underground Machinery and Equipment 36
95. MR 829 – Machinery Breakdown during Guarantee Period. 36
96. MR 831 – Exclusion of Inundation and Silting up in Hydro Power Plants. 36
97. MR 832 – Exclusion of flue gas explosions in boilers and furnaces. 36
98. MR 842 – Non-Destructive Testing (NDT) of Presses, Shears and Similar Items with Frames or other Components exposed to High Stresses. 36
99. MR 843 – Overhaul of Electric Motors and Generators. 37

100. MR 844 – Overhaul of Steam, Water and Gas Turbines and Turbo-Generator Sets. 38

101. MR 845 – Inspection and Overhaul of Boilers. 39

102. MR 855 – Radioactive Isotopes in Instruments. 39

103. MR 856 – Deterioration of Raw Materials, Intermediate or Finished Products, or Operating Media. 39

104. MR 857 – Prolongation of the Interruption Period due to Deterioration. 40

105. MR 861 – Increased Cost of Electricity, Water, Gas or Steam Supply. 40

106. MR 862 – Maximum Demand Charges. 41

107. MR 863 – Additional Expenditure other than Increase in Cost of Working. 41

108. MR 866 – Failure of Public Power, Water, Gas or Steam Supply. 42

109. MR 891 – Delay in Repair 42

110. MR 892 – Indemnity Period Limits Exceeding 12 Months. 42

111. MR 893 – Proportional Time Excess. 43

112. MR 894 – Sum Insured on Unit Price Basis. 43

113. MR 902 – Insurance of Goods in Cold Storage under Controlled Atmosphere Conditions. 43

114. MR 903 – Failure of Public Power Supply. 44

115. MR 904 – Failure of Non-Public Power Supply. 45

116. MR 1000 – Cover for Loss of Profits following Loss or Damage Covered under Civil Engineering Completed Risks Insurance (CECR) 45

117. MR 1200 – Special insurance cover: strike, riot and civil commotion. 49

118. MR 1201 – Special insurance cover: extra costs for airfreight 50

119. MR 1202 – Special insurance cover: property insured taken into use or operation. 50

120. MR 1203 – Special insurance cover: liability consequent upon vibration, removal or weakening of support 50

121. MR 1204 – Special insurance cover: guarantee maintenance cover during defects liability period. 51

122. MR 1205 – Special insurance cover: nuclear fuel elements. 51

123. MR 1206 – Special insurance cover: costs of decontamination for nuclear plants. 52

124. MR 1207 – Special insurance cover: reactor pressure vessels with internals. 53

125. MR 1208 – Special insurance cover: costs for leak search. 53

126. MR 1209 – Special insurance cover: oil, gas and/or geothermal drilling rigs and equipment 54

127. MR 1210 – Special insurance cover: delay in start-up following marine cargo. 55

128. MR 1230 – Special exclusion: earthquake. 55

129. MR 1231 – Special exclusion: flood or inundation. 55

130. MR 1233 – Special exclusion: crops, forests and cultures. 56

131. MR 1234 – Special exclusion: dams and water reservoirs. 56

132. MR 1235 – Special exclusion: removal of debris. 56

133. MR 1237 – Special exclusion: drilling rigs and equipment 56

134. MR 1238 – Special exclusion: piling, foundation and retaining wall construction work. 57

135. MR 1239 – Special exclusion: outright defects exclusion. 57

136. MR 1240 – Special exclusion: outright faulty design exclusion. 57

137. MR 1241 – Special exclusion: defective part only exclusion. 58

138. MR 1242 – Special exclusion: tunnels, galleries and underground structures. 58

139. MR 1243 – Special exclusion: normal action of the sea. 58

140. MR 1244 – Special exclusion: marine and off-shore work. 59

141. MR 1245 – Special exclusion: hydrocarbon processing industries 1. 59

142. MR 1246 – Special exclusion: hydrocarbon processing industries 2. 59

143. MR 1247 – Special exclusion: limited cover during the defects liability period. 60

144. MR 1248 – Special exclusion: section lengths. 60

145. MR 1249 – Special exclusion: betterment exclusion. 60

146. MR 1250 – Special exclusion: outright exclusion of cover during the defects liability period. 60

147. MR 1260 – Special conditions: contract time schedule. 61

148. MR 1261 – Special conditions: structures in earthquake zones. 61

149. MR 1262 – Special conditions: underground services. 61

150. MR 1263 – Special conditions: fire protection. 62

151. MR 1264 – Special conditions: open trenches, pipes, cables and ducts. 62

152. MR 1265 – Special conditions: loss prevention in respect of flood and inundation. 63

153. MR 1266 – Special conditions: directional drilling. 63

154. MR 1267 – Special conditions: serial losses. 64

155. MR 1269 – Special conditions: marine 50/50 loss sharing. 64

156. MR 1270 – Special conditions: flue gas purification plants. 65

157. New Replacement Value basis, with Sum Insured to be as follows: 65

158. NMA 348 – Average Clause. 66

159. NMA 1685 – Industries, Seepage, Pollution and Contamination. 66

160. NMA 2912 – Information Technology Hazard Clarification Clause. 66

161. NMA 2915 – Electronic Data Processing Media Valuation. 67

162. NMA 2918 – War and Terrorism Exclusion Endorsement 67

163. NMA 2919 – War and Terrorism Exclusion Endorsement (Reinsurance) 68

164. NMA 2920 – Terrorism Exclusion Endorsement 68

165. CL370 – Institute Radioactive Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons Exclusions Clause. 69

166. No Claim Bonus Clause. 69

167. Nominated Loss Adjusters Clause. 70

168. Non-Invalidation Clause. 70

169. Other Interest Clause. 70

170. Payment on Account Clause. 70

171. Physical Damage Clarification Clause. 70

172. Plans and Documents Clause. 71

173. Political Risks Exclusion Clause. 71

174. Premium Adjustment Clause (1) 71

175. Premium Adjustment Clause (2) 72

176. Premium Payable Warranty Clause. 72

177. Premium Payable Warranty Clause (installment) 72

178. Prevention of Access Clause (Due To Accidental Loss/Damage) 72

179. Preventive Measures Clause. 72

180. Professional Clause. 73

181. Professional Accountants’ Fees Clause. 73

182. Professional Indemnity Exclusion. 73

183. Public Authorities Clause. 73

184. Public Utilities Clause. 74

185. Recovery Charges Clause. 74

186. Removal Permit Clause. 74

187. Repeats Test 74

188. Replaceable Parts Clause. 75

189. Riots, Strikes and Malicious Damage (RSMD) Endorsement 4.1A.. 75

190. Salvage Sale Clause. 78

191. Silent Risk Clause. 78

192. Single Loss Clause. 78

193. Sister Clause. 78

194. Sudden and Accidental Pollution. 78

195. Sudden Pollution and Contamination (Simas Wording) 79

196. Sue & Labor Clause. 79

197. Temporary Removal Clause. 79

198. Temporary Repair Clause. 79

199. Temporary Works. 80

200. Third Party Liability Clause. 80

201. Third Party’s Liability during Maintenance Period. 80

202. Total Asbestos Exclusion. 80

203. Total Loss Only. 81

204. Transmission Distribution Lines Exclusion Clause. 81

205. Turnover / Output Clause. 81

206. Waiver of Recovery Rights (Subsidiaries) 82

207. Waiver of Subrogation Clause. 82

208. War and Civil War Exclusion Clause. 82

209. Weight Damage (This clauses applied only for Logging Trucks and/or Trailers) 82

210. Workmen’s Clause. 82

211. Y2K Exclusion Clause. 82

Polis-Polis dan Klausul-Klausul Bilingual yang diakui AAUI dapat di download di link AAUI berikut ini

Have a nice day and Happy reading !

Imam MUSJAB

POLIS ASURANSI REKAYASA (ENGINEERING)

POLIS ASURANSI CONTRACTOR’S ALL RISKS (CAR POLICY)

IKHTISAR POLIS ASURANSI CONTRACTOR’S ALL RISKS (CAR SCHEDULE)

ENDORSEMEN POLIS ASURANSI CONTRACTOR’S ALL RISKS (CAR ENDORSEMENT)

POLIS ASURANSI ERECTION ALL RISKS (EAR POLICY)

IKHTISAR POLIS ASURANSI ERECTION ALL RISKS (EAR SCHEDULE)

ENDORSEMEN POLIS ASURANSI ERECTION ALL RISKS (EAR ENDORSEMENT)

POLIS ASURANSI CONTRACTORS’ PLANT AND MACHINERY (CPM POLICY)

IKHTISAR POLIS ASURANSI CONTRACTORS’ PLANT AND MACHINERY (CPM SCHEDULE)

ENDORSEMEN POLIS ASURANSI CONTRACTORS’ PLANT AND MACHINERY (CPM ENDORSEMENT)

POLIS ASURANSI ELECTRONIC EQUIPMENT INSURANCE (EEI POLICY)

ENDORSEMEN POLIS ASURANSI ELECTRONIC EQUIPMENT INSURANCE (EEI ENDORSEMENT)

POLIS ASURANSI MACHINERY INSURANCE (MB POLICY)

IKHTISAR POLIS ASURANSI MACHINERY INSURANCE (MB SCHEDULE)

ENDORSEMEN POLIS ASURANSI MACHINERY INSURANCE (MB ENDORSEMENT)

POLIS ASURANSI HEAVY EQUIPMENT SPECIAL RISKS (HE POLICY)

IKHTISAR POLIS ASURANSI HEAVY EQUIPMENT SPECIAL RISKS (HE SCHEDULE)

POLIS ASURANSI HARTA BENDA (PROPERTY)

POLIS ASURANSI INDUSTRIAL ALL RISKS (IAR POLICY)

IKHTISAR ASURANSI INDUSTRIAL ALL RISKS (IAR SCHEDULE)

CYBER EXCLUSION CLAUSE – NMA 2915

NMA 2912 INFORMATION TECHNOLOGY HAZARDS CLARIFICATION CLAUSE

NMA 2918 : WAR AND TERRORISM EXCLUSION ENDORSEMENT

NMA 2920 : TERRORISM EXCLUSION

POLIS ASURANSI PENGANGKUTAN BARANG (MARINE CARGO)

INSTITUTE CARGO CLAUSES (A) (ICC A)

INSTITUTE CARGO CLAUSES (B) (ICC B)

INSTITUTE CARGO CLAUSES (C) (ICC C)

INSTITUTE CARGO CLAUSES (AIR)

INSTITUTE WAR CLAUSES (CARGO)

INSTITUTE WAR CLAUSES (AIR CARGO)

INSTITUTE WAR CANCELLATION CLAUSES (CARGO)

INSTITUTE STRIKE CLAUSES (CARGO)

INSTITUTE STRIKE CLAUSES (AIR CARGO)

INSTITUTE CLASSIFICATION CLAUSE

INSTITUTE THEFT, PILFERAGE & NON-DELIVERY CLAUSE

INSTITUTE CYBER ATTACK EXCLUSION CLAUSE

INSTITUTE MALICIOUS DAMAGE CLAUSE

INSTITUTE RADIOACTIVE CONTAMINATION, CHEMICAL, BIOLOGICAL, BIO-CHEMICAL AND ELECTROMAGNETIC WEAPONS EXCLUSION CLAUSE

INSTITUTE REPLACEMENT CLAUSE

CARGO ISM ENDORSEMENT

CONCEALED DAMAGE CLAUSE

TERMINATION OF TRANSIT CLAUSE (TERRORISM)

U.S. ECONOMIC AND TRADE SANCTIONS CLAUSE

POLIS ASURANSI KAPAL (MARINE HULL)

INSTITUTE TIME CLAUSES HULLS

Polis-Polis Standar AAUI dan Klausul-Klausulnya

THANK YOU AAUI – MARI BERASURANSI