5 Type and Classification of Insurance
Article 247 KUHD specifies insurance in 5 types, namely:
• Fire Insurance
Fire insurance is all kinds of goods can be insured, the important thing is the items in your home must record or state it in writing in the policy.
Sample case:
When someone buys a fire insurance policy for a home he will pay the money (premium) that has been determined by the insurance company, at the same time the insurance company will bear the financial risk if there is a fire on the house.
For example, Andi is a private employee in a company located in the golden triangle area in Jakarta. Andi is married and has been blessed with two cute children who are still toddlers. This incident unexpectedly came. A fire broke out one night before morning, where Andi's family was sleeping soundly. Because between one house and the other, they are so close together that the flame very quickly spreads to almost all the houses around it.
Article 247 KUHD specifies insurance in 5 types, namely:
• Fire Insurance
Fire insurance is all kinds of goods can be insured, the important thing is the items in your home must record or state it in writing in the policy.
Sample case:
When someone buys a fire insurance policy for a home he will pay the money (premium) that has been determined by the insurance company, at the same time the insurance company will bear the financial risk if there is a fire on the house.
For example, Andi is a private employee in a company located in the golden triangle area in Jakarta. Andi is married and has been blessed with two cute children who are still toddlers. This incident unexpectedly came. A fire broke out one night before morning, where Andi's family was sleeping soundly. Because between one house and the other, they are so close together that the flame very quickly spreads to almost all the houses around it.
In a short time, more than 20 houses were burned down, including Andi's family and family. Because he has bought a fire insurance policy, the insurance company will bear the financial risk of Andi's house fire.
1. FIRE
§ caused by lack of caution or mistakes of the Insured or other parties, or because of other fires as long as they are not excluded in the Policy,
§ caused by:
The spread of fire or heat that arises on its own or because of the nature of the item itself; short circuit; fires that occur due to fires of other objects in the vicinity with the provision of fire of other objects is not a result of the risk of exclusion of the Policy; including loss or damage as a result of water and / or other tools used to hold or extinguish fires and / or the destruction of all or part of the property and or interests insured on the orders of the authorities in an effort to prevent the spread of fire.
2. LIGHTNING
Damage directly caused by lightning. Especially for electrical machinery, electrical or electronic equipment and electrical installations, loss or damage is guaranteed by this policy if the lightning causes a fire on said objects.
3. EXPLOSION
originating from the insured property, the meaning of explosion in this policy is any sudden release of energy caused by the expansion of gas or steam.
With the condition that if the risk of an explosion is closed also coverage with another type of policy specifically for that, the Insurer only bears the remaining loss of the amount that can be paid by another type of policy if this policy is deemed as if there is none.
4. FLY OF FLIGHT
The crash of an aircraft guaranteed in this policy is a physical collision between an aircraft including a helicopter or anything that falls from it with the property and or interests insured or with a building containing property and / or insured interests.
5. ASAP
originating from the fire of the insured property of this Policy or other Policy that runs in series with this Policy for the benefit of the same Insured.
1. FIRE
§ caused by lack of caution or mistakes of the Insured or other parties, or because of other fires as long as they are not excluded in the Policy,
§ caused by:
The spread of fire or heat that arises on its own or because of the nature of the item itself; short circuit; fires that occur due to fires of other objects in the vicinity with the provision of fire of other objects is not a result of the risk of exclusion of the Policy; including loss or damage as a result of water and / or other tools used to hold or extinguish fires and / or the destruction of all or part of the property and or interests insured on the orders of the authorities in an effort to prevent the spread of fire.
2. LIGHTNING
Damage directly caused by lightning. Especially for electrical machinery, electrical or electronic equipment and electrical installations, loss or damage is guaranteed by this policy if the lightning causes a fire on said objects.
3. EXPLOSION
originating from the insured property, the meaning of explosion in this policy is any sudden release of energy caused by the expansion of gas or steam.
With the condition that if the risk of an explosion is closed also coverage with another type of policy specifically for that, the Insurer only bears the remaining loss of the amount that can be paid by another type of policy if this policy is deemed as if there is none.
4. FLY OF FLIGHT
The crash of an aircraft guaranteed in this policy is a physical collision between an aircraft including a helicopter or anything that falls from it with the property and or interests insured or with a building containing property and / or insured interests.
5. ASAP
originating from the fire of the insured property of this Policy or other Policy that runs in series with this Policy for the benefit of the same Insured.
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