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Bedah Polis: Heavy Equipment Insurance

  1. Preambule Polis Heavy Equipment

  2. That the Insurer shall, subject to the terms, exceptions and conditions contained herein or endorsed indemnify the Insured against loss...

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  3. General Exception 1.1. War, Invasion

  4. The Insurer shall not be liable in respect of : Any accident, loss, damage, expense occasioned by or through or...

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  5. General Exception 1.2. Mutiny

  6. Mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, insurrection, rebellion, revolution, military or...

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  7. General Exception 1.3. Earthquake, volcanic eruption, landslide, flood, tsunami, typhoon or another

  8. Earthquake, volcanic eruption, landslide, flood, tsunami, typhoon or another symptom of geology or meteorology and Excluded Perils.

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  9. General Exception 2. Any accident, loss, damage or expense occasioned by or through or in consequence

  10. Any accident, loss, damage or expense occasioned by or through or in consequence, directly or indirectly of confiscation, commandeering, requisition...

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  11. General Exception 3.1. Nuclear Weapon Material

  12. Any accident, loss, damage or expense directly or indirectly caused by or arising from or in consequence of or contributed...

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  13. General Exception 3.2. Ionizing Radiations

  14. Ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear...

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  15. Excluded Perils 1. Loss or damage caused by wear and tear or gradual deterioration.

  16. Unless expressly stated to the contrary, the Insurer shall not be liable for : Loss or damage caused by wear...

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  17. Excluded Perils 2. Loss or damage caused by faulty manufacture, installation, repairing

  18. Heavy Equipment Insurance Apa itu Heavy Equipment Insurance? Heavy Equipment Insurance atau asuransi Alat Berat yang sering disingkat dengan HE...

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  19. Excluded Perils 3. Loss or damage caused by breakage during installation, repairing

  20. Loss or damage caused by breakage during installation, repairing or dismantling, nor breakage during transportation unless caused by fire, lightning,...

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  21. Excluded Perils 4. Loss or damage caused by neglect of the Insured

  22. Loss or damage caused by neglect of the Insured to use all reasonable means to save and preserve the property...

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  23. Excluded Perils 5. Loss or damage caused by dampness or atmosphere or extreme of temperature

  24. Unless expressly stated to the contrary, the Insurer shall not be liable for : Loss or damage caused by dampness...

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  25. Excluded Perils 6. Loss or damage to the canopy unless such loss or damage is caused by the equipment overturning.

  26. Unless expressly stated to the contrary, the Insurer shall not be liable for : Loss or damage to the canopy...

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  27. Excluded Perils 7. Loss or damage to tyres or tubes due and confined to blow out, bruises, cuts

  28. Loss or damage to tyres or tubes due and confined to blow out, bruises, cuts or other causes inherent in...

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  29. Excluded Perils 8. Loss or damage to equipment licensed for highway use, aircraft or watercraft.

  30. Unless expressly stated to the contrary, the Insurer shall not be liable for : Loss or damage to equipment licensed...

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  31. Excluded Perils 9. If the property hereby insured…

  32. If the property hereby insured shall on the happening of any loss or damage be collectively of greater value than...

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  33. Excluded Perils 10. Loss or damage caused by or resulted from Third Party or General Public Liability.

  34. Unless expressly stated to the contrary, the Insurer shall not be liable for : Loss or damage caused by or...

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  35. Excluded Perils 11. In the case of loss or damage from perils insured against to any part of machine

  36. In the case of loss or damage from perils insured against to any part of machine, consisting when complete for...

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  37. Excluded Perils 12. Loss or damage to electrical appliances, devices, apparatus or machinery

  38. Loss or damage to electrical appliances, devices, apparatus or machinery of any kind, including wiring caused by electrical currents artificially...

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  39. Excluded Perils 13. Loss or damage occasioned by the weight of a load exceeding the registered lifting or supporting capacity of the machine.

  40. Loss or damage occasioned by the weight of a load exceeding the registered lifting or supporting capacity of the machine.

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  41. Condition 1. Notice And Proof Of Loss.

  42. NOTICE AND PROOF OF LOSS. The Insured shall as soon as practicable report to this Insurer or its agent every...

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  43. Condition 2. Arbitration

  44. If any difference arises as to the amount of any loss or damage, such difference shall independently of all other...

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  45. Condition 3. Other Insurance

  46. OTHER INSURANCE. It is a condition of this Policy that it shall not cover any property to the extent that...

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  47. Condition 4. Benefit Of Insurance

  48. BENEFIT OF INSURANCE. It is warranted, that this insurance shall in no case inure directly or indirectly to the benefit...

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  49. Condition 5. Exempting Others From Liability.

  50. EXEMPTING OTHERS FROM LIABILITY. Any act or agreement by the Insured prior or subsequent hereto or simultaneous herewith in date,...

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  51. Condition 6. Subrogation Of Rights

  52. SUBROGATION OF RIGHTS. The Insured shall at the expense of the Insurer, do and concur in doing and permit to...

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  53. Condition 7. Reducing Clause

  54. REDUCING CLAUSE. Loss incurred hereunder shall reduce the amount of insurance on the property lost or damaged by the amount...

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  55. Condition 8. Machinery

  56. MACHINERY. In case of loss or damage from perils insured against to any part of a machine, consisting when complete...

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  57. Condition 9. Valuation

  58. VALUATION. Unless otherwise specifically stated herein, this Insurer shall not be liable beyond the actual cash value of the property...

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  59. Condition 10. Average (Co-Insurance).

  60. AVERAGE (CO-INSURANCE). If the property hereby insured shall, on the happening of any loss or damage be collectively of greater...

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  61. Condition 11. Assignment

  62. Assignment. The assignment of this Policy, or this subrogation of any right hereunder to any party without the written consent...

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  63. Condition 12. Cancellation Of The Insurance

  64. Cancellation Of The Insurance. The insurance may be terminated at any time at the request of the Insured, in which...

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  65. Condition 13. Misdescription

  66. Misdescription. This Policy shall be void if the Insured has concealed or misrepresented any material fact or circumstances concerning this...

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  67. Condition 14. Time Limit For Insurer’s Liability

  68. Time Limit For Insurer’s Liability. In no case whatever shall the Insurer be liable for any loss or damage after...

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  69. Condition 15. Notices

  70. Notices. Every notice and other communication to the Insurer required by these conditions must be written or printed.

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