Perampasan, pengambilalihan kepemilikan dan penguasaan, penangguhan atau pembekuan hak kepemilikan atas harta benda atau aset pribadi dari orang yang diasuransikan tersebut; atau
Perampasan, pengambilalihan kepemilikan dan penguasaan, penangguhan atau pembekuan hak kepemilikan atas harta benda atau aset pribadi dari orang yang diasuransikan tersebut; atau
Memberi tahu orang yang diasuransikan tersebut sehubungan dengan permintaan tertulis untuk informasi dan dokumentasi oleh wali mana pun dalam kepailitan, administrator, kurator, likuidator, konservator, rehabilitator (atau pejabat atau orang yang setara dalam yurisdiksi yang berlaku);
Biaya perjalanan dan akomodasi dan biaya tinggal jauh dari rumah yang ditanggung oleh tertanggung, pasangan sahnya atau pasangan domestiknya dan setiap anak di bawah usia delapan belas tahun, secara langsung sehubungan dengan ekstradisi orang yang diasuransikan tersebut.
Penunjukan penasihat krisis yang terakreditasi dan/atau penasihat pajak dan/atau konsultan hubungan masyarakat yang dipegang oleh tertanggung secara eksklusif dan langsung sehubungan dengan ekstradisi tertanggung tersebut.
Biaya ekstradisi, Orang yang diasuransikan secara sah: menentang, menantang, menolak dan/atau membela setiap klaim ekstradisi; mengajukan banding atas setiap perintah atau hibah ekstradisi lain dari orang yang diasuransikan itu; atau
Dengan pengecualian Perpanjangan 2.1 (Perlindungan Direktur Non-Eksekutif Tambahan) dan Perpanjangan 2.11 (Kewajiban pajak), kami akan membayar kerugian finansial atau biaya, ongkos dan pengeluaran yang wajar dan perlu yang berlaku berdasarkan Perpanjangan 2.1 hingga 2.12
Kami akan membayar denda dan hukuman perdata yang dikenakan pada tertanggung yang timbul dari klaim yang dibuat terhadap tertanggung tersebut, tetapi hanya sejauh denda dan hukuman perdata tersebut dapat diasuransikan berdasarkan hukum polis ini dan yurisdiksi di mana perdata tersebut…
Kami setuju untuk memperpanjang pertanggungan sesuai dengan perpanjangan berikut, tunduk pada syarat, ketentuan, dan pengecualian dari polis ini, kecuali secara tegas dinyatakan lain. Tidak Ada Perpanjangan yang meningkatkan batas tanggung jawab kami, kecuali dinyatakan sebaliknya.
Kami akan membayar kepada atau atas nama tertanggung setiap biaya investigasi yang timbul dari investigasi. Polis ini hanya mencakup klaim atau investigasi yang pertama kali dilakukan selama periode asuransi atau periode pelaporan yang diperpanjang, jika berlaku.
Jaminan klaim sekuritas perusahaan - Kami akan membayar kepada atau atas nama perusahaan setiap kerugian finansial yang timbul dari klaim sekuritas yang dibuat terhadap perusahaan
Kenapa Anda butuh asuransi D&O? Sebagai direktur dan pejabat perusahaan, Anda ingin melindungi diri dan keluarga Anda dari kerugian keuangan akibat kesalahan dan kelalaian Anda dalam mengelola perusahaan. Ingat pepatah lama “sepandai-pandai tupai melompat sekali-kali kan jatuh jua” Apa saja…
Kami akan membayar kepada atau atas nama tertanggung setiap kerugian finansial yang timbul dari klaim yang dibuat terhadap tertanggung tersebut, kecuali sejauh tertanggung telah diberi ganti rugi oleh perusahaan atas kerugian finansial tersebut.
Ditaatinya dan dipenuhinya syarat-syarat yang menjadi syarat syarat-syarat dan pengesahan Polis ini sepanjang berhubungan dengan segala sesuatu yang harus dilakukan untuk dipatuhi oleh Tertanggung dan kebenaran pernyataan dan jawaban dalam usul tersebut merupakan syarat-syarat yang mendahului setiap kewajiban Perusahaan untuk…
Bedah Polis Asuransi Public Liability – Persyaratan 13. Jika terjadi perbedaan dan Tertanggung gagal
Jika terjadi perbedaan dan Tertanggung gagal memanfaatkan ketentuan kondisi 12 dalam waktu enam bulan setelah perbedaan tersebut pertama kali muncul atau haruskah keputusan dibuat berdasarkan kondisi tersebut di atas dan Tertanggung gagal untuk memulai proses hukum melawan Perusahaan dalam waktu…
Segala perbedaan yang timbul dari Polis ini akan dirujuk ke arbitrase dari beberapa orang yang akan ditunjuk oleh kedua belah pihak atau jika mereka tidak dapat menyepakati seorang arbiter tunggal untuk keputusan dua arbiter satu untuk ditunjuk secara tertulis oleh…
Penanggung tidak terikat untuk mengirimkan pemberitahuan tentang premi pembaruan yang jatuh tempo dan dapat dengan pemberitahuan tertulis kepada Tertanggung yang dipasang di bawah perlindungan terdaftar ke alamat yang disebutkan atau orang yang diserahkan membatalkan polis ini sewaktu-waktu membayar atas permintaan…
Jika pada saat klaim dibuat berdasarkan Polis ini ada Asuransi lain yang ada yang terkena dampak oleh Tertanggung atau oleh orang lain atas namanya yang menanggung kerugian yang sama, Perusahaan ini tidak bertanggung jawab untuk membayar atau menyumbang lebih dari…
Setelah terjadinya suatu kecelakaan dimana suatu klaim telah timbul atau mungkin timbul, Tertanggung tidak akan memperbaiki perbaikan atau dengan cara apapun setelah setiap bagian dari cara kerja mesin atau pabrik yang bersangkutan dengan atau terlibat dalam kecelakaan tersebut tanpa persetujuan…
Penanggung atas biaya dan biayanya sendiri dapat mengambil tindakan yang mungkin disarankan atas nama Tertanggung untuk mendapatkan ganti rugi atau mendapatkan ganti rugi dari pihak ketiga mana pun (jika ada) sehubungan dengan setiap kerusakan yang mungkin terjadi. tercakup dalam Polis…
Jika ini adalah suatu perubahan dalam keadaan di mana ruang lingkup Polis ini dibuat lebih luas daripada yang dapat diberikan pada keadaan fakta yang ditetapkan dalam Proposal, pemberitahuan secara tertulis tentang setiap perubahan tersebut harus segera diberikan kepada Perusahaan dan…
Tertanggung harus dan akan selalu berhati-hati dalam memilih dan mempekerjakan pegawai tetap yang sadar dan kompeten dan juga dalam melihat bahwa pabrik yang digunakan dalam usahanya dalam keadaan baik dan sesuai untuk pekerjaan yang diperlukan dan akan tetap memiliki mesin…
Jika dikehendaki demikian, Penanggung dapat setiap saat atau tahap proses hukum melepaskan tanggung jawabnya berdasarkan Perjanjian ini dengan membayar kepada Tertanggung jumlah maksimum yang menjadi tanggung jawabnya sehubungan dengan kecelakaan atau saldo jumlah maksimum tersebut jika ada pembayaran telah dibuat…
Dalam hal seseorang menerima sebagai kompensasi biaya atau keduanya jumlah yang melebihi jumlah yang menjadi tanggung jawab Perusahaan berdasarkan Perjanjian ini, Tertanggung harus membayar kelebihan dan biaya dan pengeluaran yang dikeluarkan oleh Perusahaan sehubungan dengan proses pengadilan akan akan dibagi…
Tertanggung harus pada saat terjadinya suatu kecelakaan sehubungan dengan mana suatu klaim dapat timbul atau kemungkinan besar akan timbul, segera memberitahukannya kepada Perusahaan dan pemberitahuan tersebut harus menyebutkan tanggal terjadinya kecelakaan tersebut. Nama dan alamat orang yang Terluka (jika ada).
Setiap pemberitahuan atau komunikasi kepada Perusahaan harus dilakukan secara tertulis dan dikirimkan ke kantor atau agen Perusahaan dari mana polis ini diterbitkan dan pemberitahuan atau pengetahuan tentang segala sesuatu yang berkaitan dengan polis ini atau klaim apa pun
Asuransi ini tidak akan dimulai sampai premi telah benar-benar dibayarkan kepada dan diterima oleh Perusahaan dan surat penerimaan atau polis resmi Perusahaan telah diterbitkan dan tidak ada pembayaran sehubungan dengan premi apa pun yang akan dianggap sebagai pembayaran kepada Perusahaan…
Tanggung jawab atas segala akibat baik langsung maupun tidak langsung dari tindakan invasi perang permusuhan musuh asing (apakah perang diumumkan atau tidak) pemberontakan perang sipil pemberontakan revolusi atau militer atau perampasan kekuasaan.
Tanggung jawab sehubungan dengan atau yang timbul dari kerusakan pada tanah atau properti atau bangunan yang disebabkan oleh getaran atau oleh hilangnya penyangga yang melemah.
Tanggung jawab sehubungan dengan: Instalasi sanitasi yang rusak atau keracunan segala jenis benda asing atau bahan yang merusak dalam makanan atau minuman.
Tanggung jawab sehubungan dengan: Kebakaran, gempa bumi, ledakan, banjir, asap atau pencemaran air.
Kepemilikan atau kepemilikan atau penggunaan oleh atau atas nama Tertanggung setiap kendaraan sepeda hewan lokomotif kapal jenis apapun pesawat pengangkat elevator derek kerekan atau mesin pengangkat lainnya yang tidak ditentukan dalam skedul di bawah judul pabrik.
Tanggung Jawab Sehubungan Dengan Kerusakan Properti: Milik atau dalam tanggung jawab atau di bawah kendali Tertanggung atau pelayan atau agen Tertanggung. Menjadi bagian dari setiap barang atau tanah atau bangunan atau bangunan tempat Tertanggung atau pegawai atau agen Tertanggung bekerja…
Tanggung jawab sehubungan dengan cedera kepada setiap orang yang pada saat mengalami cedera tersebut terlibat dalam pelayanan Tertanggung atau bertindak atas nama Tertanggung atau sub kontraktor mana pun kepada Tertanggung atau untuk kompensasi yang diklaim dari Tertanggung oleh seorang yang…
Tanggung jawab yang ditanggung oleh Tertanggung berdasarkan perjanjian kecuali tanggung jawab tersebut akan melekat pada Tertanggung terlepas dari perjanjian tersebut.
BAHWA Tertanggung yang ditunjuk dalam Ikhtisar ini menjalankan Perdagangan atau Bisnis yang dijelaskan dalam Ikhtisar dan tidak ada hal lain untuk tujuan ganti rugi ini yang dilakukan kepada PT. _______(selanjutnya disebut “ Perusahaan'')
LAW AND PRACTICE, 19 This insurance is subject to English law and practice as far as not in contradiction with Indonesian law.
It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control.
Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.
It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder, 16.2 to ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised and the Underwriters will,…
MINIMISING LOSSES, 16 It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder, 16.1 to take such measures as may be reasonable for the purpose of averting or minimizing such loss, and
BENEFIT OF INSURANCE, This insurance shall not inure to the benefit of the carrier or other bailee.
The agreed value of the cargo shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and affected on the cargo by the Assured, and liability under…
If any Increased Value insurance is effected by the Assured on the cargo insured herein the agreed value of the cargo shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurances…
No claim for Constructive Total Loss shall be recoverable hereunder unless the subject-matter insured is reasonably abandoned either on account of its actual total loss appearing to be unavoidable or because the cost of recovering, reconditioning and forwarding the subject-matter…
Where, as a result of the operation of a risk covered by this insurance, the insured transit is terminated at a port or place other than that to which the subject-matter is covered under this insurance, the Underwriters will reimburse…
Subject to 11.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of…
In order to recover under this insurance the Assured must have an insurable interest in the subject- matter insured at the time of the loss.
Where, after attachment of this insurance, the destination is changed by the Assured, held covered at a premium and on conditions to be arranged subject to prompt notice being given to the Underwriters.
Bedah Polis Asuransi Marine Cargo ICC A – Pengecualian 9.2. Klausul Penghentian Kontrak Pengangkutan
If the goods are forwarded within the said period of 60 days (or any agreed extension thereof) to the destination named herein or to any other destination, until terminated in accordance with the provisions of Clause 8 above.
Bedah Polis Asuransi Marine Cargo ICC A – Pengecualian 9.1. Klausul Penghentian Kontrak Pengangkutan
Until the goods are sold and delivered at such port or place, or, unless otherwise specially agreed, until the expiry of 60 days after arrival of the goods hereby insured at such port or place, whichever shall first occur, or
This insurance shall remain in force (subject to termination as provided for above and to the provisions of Clause 9 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment or transhipment and during any variation…
If, after discharge overside from the oversea vessel at the final port of discharge, but prior to termination of this insurance, the goods are to be forwarded to a destination other than that to which they are insured hereunder, this…
On the expiry of 60 days after completion of discharge overside of the goods hereby insured from the oversea vessel at the final port of discharge, whichever shall first occur.
On delivery to any other warehouse or place of storage, whether prior to or at the destination named herein, which the Assured elect to use either 8.1.2.2 for allocation or distribution,
on delivery to any other warehouse or place of storage, whether prior to or at the destination named herein, which the Assured elect to use either 8.1.2.1 for storage other than in the ordinary course of transit or
This insurance attaches from the time the goods leave the warehouse or place of storage at the place named herein for the commencement of the transit, continues during the ordinary course of transit and terminates either 8.1.1 on delivery to…
In no case shall this insurance cover loss damage or expense 7.3 caused by any terrorist or any person acting from a political motive.
In no case shall this insurance cover loss damage or expense 7.2 resulting from strikes, lock-outs, labour disturbances, riots or civil commotions
In no case shall this insurance cover loss damage or expense 7.1 caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions
In no case shall this insurance cover loss damage or expense caused by 6.3 derelict mines torpedoes bombs or other derelict weapons of war.
In no case shall this insurance cover loss damage or expense caused by 6.2 capture seizure arrest restraint or detainment (piracy excepted) and the consequences thereof or any attempt thereat
In no case shall this insurance cover loss damage or expense caused by 6.1. war, civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power
The Underwriters waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination, unless the Assured or their servants are privy to such unseaworthiness or unfitness.
In no case shall this insurance cover loss damage or expense arising from unseaworthiness of vessel or craft, unfitness of vessel craft conveyance container or liftvan for the safe carriage of the subject-matter insured, where the Assured or their servants…
In no case shall this insurance cover, 4.7 loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.
In no case shall this insurance cover, 4.6 loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel
In no case shall this insurance cover, 4.5 loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above)
In no case shall this insurance cover, 4.4 loss damage or expense caused by Inherent Vice Or Nature Of The Subject-matter insured
In no case shall this insurance cover, 4.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured (for the purpose of this Clause 4.3 “packing” shall be deemed to include stowage in…
In no case shall this insurance cover, 4.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured
In no case shall this insurance cover, loss damage or expense attributable to wilful misconduct of the Assured
RISKS COVERED, This insurance is extended to indemnify the Assured against such proportion of liability under the contract of affreighment “Both to Blame Collision” Clause as is in respect of a loss recoverable hereunder. In the event of any claim…
RISKS COVERED, This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from any cause except…
RISKS COVERED, This insurance covers all risks of loss of or damage to the subject-matter insured except as provided in Clauses 4, 5, 6 and 7 below.
NUCLEAR EXCLUSION, In no case shall this insurance cover loss damage liability or expense arising from any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter
MALICIOUS ACTS EXCLUSION, In no case shall this insurance cover loss damage liability or expense arising from 25.2 any weapon of war and caused by any person acting maliciously or from a political motive.
MALICIOUS ACTS EXCLUSION, In no case shall this insurance cover loss damage liability or expense arising from 25.1 the detonation of an explosive
STRIKE EXCLUSION, In no case shall this insurance cover loss damage liability or expense caused by 24.2 any terrorist or any person acting from a political motive
STRIKE EXCLUSION, In no case shall this insurance cover loss damage liability or expense caused by 24.1 strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civil commotions
WAR EXCLUSION, In no case shall this insurance cover loss damage liability or expense caused by 23.3. derelict mines torpedoes bombs or other derelict weapons of war.
WAR EXCLUSION, In no case shall this insurance cover loss damage liability or expense caused by 23.2 Capture Seizure Arrest Restraint Or Detainment (barratry and piracy excepted), and the consequences thereof or any attempt thereat
WAR EXCLUSION, In no case shall this insurance cover loss damage liability or expense caused by 23.1. war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power
In the event of any return recoverable under this Clause 22 being based on 30 consecutive days which fall on successive insurances effected for the same Assured, this insurance shall only be liable for an amount calculated at pro rata…
In the event of any amendment of the annual rate, the above rates of return shall be adjusted accordingly
Loading or discharging operations or the presence of cargo on board shall not debar returns but no return shall be allowed for any period during which the Vessel is being used for the storage of cargo or for lightering purposes
in no case shall a return be allowed when the Vessel is lying in exposed or unprotected waters, or in a port or lay-up area not approved by the Underwriters but, provided the Underwriters agree that such non-approved lay-up area…
PROVIDED ALWAYS THAT : 22.2.1 a total loss of the Vessel, whether by insured perils or otherwise, has not occurred during the period covered by this insurance or any extension thereof
To return as follows: 22.1.2 For each period of 30 consecutive days the Vessel may be laid up in a port or in a lay-up area provided such port or lay-up area is approved by the Underwriters (with special liberties…
Perils 22.1.1. Returns For Lay-Up And Cancellation – Pro rata monthly net for each uncommenced month
To return as follows: 22.1.1 Pro rata monthly net for each uncommenced month if this insurance be cancelled by agreement.
Warranted that no insurance on any interests enumerated in the foregoing 21. 1.1 to 21.1.7 in excess of the amounts permitted therein and no other insurance which includes total loss of the Vessel P.P.I., F.I.A.. or subject to any other…
Additional insurances as follows are permitted: 21.1.8 Insurance irrespective of amount against: Any risks excluded by Clauses 23, 24, 25 and 26 below.
Additional insurances as follows are permitted: Returns of Premium. A sum not exceeding the actual returns which are allowable under any insurance but which would not be recoverable thereunder in the event of a total loss of' the Vessel whether…
Premiums. A sum not exceeding the actual premiums of all interests insured for a period not exceeding 12 months (excluding premiums insured under the foregoing sections but including, if required, the premium or estimated calls on any Club or War…
Time Charter Hire or Charter Hire for Series of Voyages. A sum not exceeding 50% of the gross hire which is to be earned under the charter in a period not exceeding 18 months. Any sum insured under 21.1.2 to…
Anticipated Freight if the Vessel sails in ballast and not under Charter. A sum not exceeding the anticipated gross freight on next cargo passage, such sum to be reasonably estimated on the basis of the current rate of freight at…
Freight or Hire, under contracts for voyage. A sum not exceeding the gross freight or hire for the current cargo passage and next succeeding cargo passage (such insurance to include, if required, a preliminary and an intermediate ballast passage) plus…
Additional insurances as follows are permitted: Freight, Chartered Freight or Anticipated Freight, insured for time. A sum not exceeding 25% of the value as stated herein less any sum insured, however described, under 21.1.1
Additional insurances as follows are permitted: Disbursements, Managers' Commissions, Profits or Excess or Increased Value of Hull and Machinery. A sum not exceeding 25% of the value stated herein.
FREIGHT WAIVER - In the event of total or constructive total loss no claim to be made by the Underwriters for freight whether notice of abandonment has been given or not.
No claim for constructive total loss based upon the cost of recovery and/or repair of the Vessel shall be recoverable hereunder unless such cost would exceed the insured value. In making this determination, only the cost relating to a single…
In ascertaining whether the Vessel is a constructive total loss, the insured value shall be taken as the repaired value and nothing in respect of the damaged or break-up value of the Vessel or wreck shall be taken into account.
The Underwriters shall not be liable in respect of unrepaired damage for more than the insured value at the time this insurance terminates.
In no case shall the Underwriters be liable for unrepaired damage in the event of a subsequent total loss (whether or not covered under this insurance) sustained during the period covered by this insurance or any extension thereof.
The measure of indemnity in respect of claims for unrepaired damage shall be the reasonable depreciation in the market value of the Vessel at the time this insurance terminates arising from such unrepaired damage, but not exceeding the reasonable cost…
In no case shall any sum be allowed under this insurance either by way of remuneration of the Assured for time and trouble taken to obtain and supply information or documents or in respect of the commission or charges of…
No claim shall be allowed, other than in general average, for wages and maintenance of the Master, Officers and Crew, or any member thereof, except when incurred solely for the necessary removal of the Vessel from one port to another…
Supplying and applying the first coat of primer/anti -corrosive to those particular areas mentioned in 15.1 and 15.2 above,shall be allowed as part of the reasonable cost of repairs in respect of bottom plating damaged by an insured perils
Gritblasting and/or other surface preparation of: the butts or area of plating immediately adjacent to any renewed or refitted plating damaged during the course of welding and/or repairs, areas of plating damaged during the course of fairing, either in place…
Grit blasting and/or other surface preparation of new bottom plates ashore and supplying and applying any "shop" primer thereto
NEW FOR OLD - Claims payable without deduction new for old.
The sum recoverable under this Clause 13 shall be in addition to the loss otherwise recoverable under this insurance but shall in no circumstances exceed the amount insured under this insurance in respect of' the Vessel.
When a claim for total loss of the Vessel is admitted under this insurance and expenses have been reasonably incurred in saving or attempting to save the Vessel and other property and there are no proceeds, or the expenses exceed…
When expenses are incurred pursuant to this Clause 13 the liability under this insurance shall not exceed the proportion of such expenses that the amount insured hereunder bears to the value of the Vessel as stated herein, or to the…
Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.
Subject to the provisions below and to Clause 12 the Underwriters will contribute to charges properly and reasonably incurred by the Assured their servants or agents for such measures. General average, salvage charges (except as provided for in Clause 13.5)…
In case of any loss or misfortune it is the duty of the Assured and their servants and agents to take such measures as may be reasonable for the purpose of averting or minimising a loss which would be recoverable…
Interest comprised in recoveries shall be apportioned between the Assured and the Underwriters, taking into account the sums paid by the Underwriters and the dates when such payments were made, notwithstanding that by the addition of interest the Underwriters may…
Excluding any interest comprised therein, recoveries against any claim which is subject to the above deductible shall be credited to the Underwriters in full to the extent of the sum by which the aggregate of the claim unreduced by any…
Claims for damage by heavy weather occurring during a single sea passage between two successive ports shall be treated as being due to one accident. In the case of such heavy weather extending over a period not wholly covered by…
No claim arising from a peril insured against shall be payable under this insurance unless the aggregate of all such claims arising out of each separate accident or occurrence (including claims under Clause 8, 11 and 13) exceeds
No claim under this Clause 11 shall in any case be allowed where the loss was not incurred to avoid or in connection with the avoidance of a peril insured against.