Klausul yang harus dicoret dalam asuransi PAR / IAR

Inilah klausul yang harus dicoret dalam asuransi Property All Risk / Industrial All Risk:

Machinery Breakdown Clause and Sub Limit
Notwithstanding of anything contained in the policy to the contrary this insurance is extended to cover any unforeseen and sudden damage to any machinery described in the policy from mechanical and electrical breakdown with limit Rp. XXXXX  in the aggregate.
Alasan: OJK mengharuskan asuransi Machinery Breakdown --- dan Electrical Breakdown --- secara terpisah dari asuransi Property

 Special Electrical Short Circuit Clause
Notwithstanding anything herein contained to the contrary it is hereby expressly understood and agreed that this policy also covers loss or damage to any generator, motor, transformer and/or other electrical machine and/or electrical installation insured hereunder caused by short circuit or self heating.

OPTION 2  (versi D.A.I Code 4.9)
It is hereby expressly understood and agreed that in consideration of the payment of an additional  premium as arrange, this policy also covers loss to any generator, motor, transformer, and/or any other electrical machine and/or electrical installation except household appliances insured under item ………. Of the schedule of the policy caused by short circuit or self heating subject to a deductible XX% of sum insured of every unit which Insured with a maximum of Rp. XX.000.000,- any one accident.
However, this cover is inapplicable if the risk is covered under "Machinery Breakdown" or any other special policy.
Alasan: OJK mengharuskan asuransi Machinery Breakdown --- dan Electrical Breakdown --- secara terpisah dari asuransi Property. Generator, motor, transformer and/or other electrical machine termasuk golongan mesin.

Construction, Erection, Alteration, or Repairs Clause
This insurance hereby extends to cover in respect of damage to property or plant and machinery that is under construction, erection, alteration, or repairs including testing, and commissioning associated with same.
Provided that the total value of the contract does not exceed the the amount provided in the sub-limit in the Schedule
 Alasan: Ada unsur kerusakan mesin di sini. Lagipula, klausul ini lebih cocok dipergunakan untuk asuransi EAR/CAR

Money in the premises clause
 Alasan: Klausul ini harusnya ada di asuransi Money (Case in Safe}

Jika ada klausul lain yang bisa Anda usulkan, silakan.


Regards,
Afrianto Budi P SS MM