Fire Insurance

Product information

Fire Insurance

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What it gives you

Features of Fire Insurance

It covers your property for perils insured under the Indonesian Fire Insurance Standard Policy.

FIRE

Loss of or damage to property directly caused by:

Negligence or wrongdoing
Spreading of fire or heat
Short-circuit
Fire spreading from a nearby object
As a consequence of devices used to fight or extinguish the fire

LIGHTNING

Damage directly caused by lightning

EXPLOSION

Arising from property insured

IMPACT OF FALLING AIRCRAFT

Impact of falling aircraft covered is any physical contact of an aircraft with the property

SMOKE

Arising from the burning of the property insured

EXTENDED COVERAGE

Riot
Strike
Malicious damage (RSMD)
Civil commotion as per DAI (Dewan Asuransi Indonesia) Earthquake
Fire
Removal of debris
Landslides/landslips, typhoons, windstorms, floods, and damage by water
Smoke and vehicle impact
An explosion following an earthquake, volcanic eruption, tsunami (separated policy)
Business interruption (separated policy)

How much the premium is

Sample of calculation

The premium rates will be depending on:

Occupancy
Age of facility
Region Stage of construction
Other factors

What we don’t cover

Accidental loss of or damage to property and or interests insured caused by:

Burning of property by order of any Public Authority
Subterranean fire, pollution, or contamination
War, civil war, and any act of terrorism
Radioactive and nuclear energy risks
Date recognition
Property damage to data or software

Note: This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.

Important information

This is general information and is not an insurance contract/agreement. Detail terms and conditions will be referred to the policy. It is crucial that you read and understand the policy's terms and conditions well.