APPRAISEMENT VALUE CLAUSE

If the aggregate claim for anyone loss does not exceed 5 (five) per cent of the sum insured by the item or items affected (whichever may be the less) no special inventory or appraisement of the undamaged property shall be required.

If two or more buildings be included in a single item, this provision shall apply to the range of buildings insured by this item.

For the purpose of this clause, the term “item” shall be held to the total sum insured on buildings and/or contents by the items affected.

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MISSING GOODS CLAUSE

Where the subject-matter insured hereunder (or any apportionable part) becomes missing and after the lapse of a reasonable time has not been located, an actual total loss of the subject-matter insured (or any apportionable party) may be presumed. For the purposes of this insurance, there shall be deemed to have been the lapse of a reasonable time where delivery to the consignees’ or other final warehouse or place of storage at the destination named herein has not been effected within 90 days of the expected date of such delivery. If, after the payment by the Insurer(s) of an actual total loss as provided for above, this subject-matter insured or whatever may remain thereof is located, the ownership and all proprietary rights incidental thereto shall be vested is the Insurer(s) the subject-matter insured of whatever may remain thereof.

Zurich Home - Asuransi Bangunan Rumah isi rumah Anda

Zurich Home – Asuransi Bangunan Rumah isi rumah Anda, bertujuan memberikan ganti rugi jika rumah dan isi rumah Anda rusak atau musnah disebabkan oleh risiko yang dijamin dalam polis Anda. Kelebihan dari produk ini yaitu: § Bebas menentukan jenis perlindungan yang sesuai dengan kebutuhan Anda. § Pertama di Indonesia yang menawarkan paket perlindungan komprehensif dan inovatif. § Dokumen polis yang mudah dipahami. § Zurich Home menyediakan manfaat tambahan seperti tertera di bawah ini : Manfaat, Penjelasan dan Limit : Tanggung Gugat Hukum Memberikan kompensasi atas Tanggung Jawab Hukum Anda terhadap pihak ketiga dalam hal cidera tubuh dan/atau kerusakan harta benda. Hingga Rp. 50,000,000. Kecelakaan Diri Menjamin cidera tubuh karena kecelakaan terhadap Anda dan keluarga inti Anda. Hingga Rp. 25,000,000 per kecelakaan, Rp. 100,000,000 selama periode asuransi. Biaya Pengobatan Menjamin biaya perawatan medis yang diperlukan bagi Anda dan keluarga inti Anda y...

INCREASE VALUE ON ARRIVAL CLAUSE

On Increased Value of Cargo as described herein (whether such cargo is, insured herein or otherwise) by reason of liability for and/or payment of freight and/or duty and/or any charges on arrival at the place where these or any of them become duo. This policy covers all the risks and embodies all the liberties clauses and conditions of the insurance on the cargo referred to above and is to be for the duration of such insurance on such cargo. This policy is to pay the same proportion of the amount of insurance hereunder as the sum paid on the cargo insurance referred to above bears to the amount of such cargo insurance except that until the liability to pay freight and/or duty and/or charges arises this policy only covers particular and/or general average loss (other than liability for general average expenditure) of the cargo referred to above. Should the liability to pay freight and/or duty and/or charges be extinguished or diminished, then this insurance in the proportion of suc...

Selvi Aldriani, The Milestone

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