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What is Fire Insurance?

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

Fire
Lightning
Explosion
Impact of falling aircraft
Smoke

What it covers

In line with the Indonesian Fire Insurance Standard Policy, coverage extends to:

Riot
Strike
Malicious damage (RSMD)
Civil commotion as per DAI (Dewan Asuransi Indonesia)
Earthquake
Fire
Removal of debris
Landslides / landslips
Typhoon, windstorm, flood and damage by water
Smoke and vehicle impact
Explosion following earthquake, volcanic eruption, Tsunami (separate policy)
Business interruption (separate policy)

Key coverage

Here is an overview of your coverage:

Fire

Loss of or damage to property directly caused by

Negligence or wrongdoing
Spreading of fire or heat
Short-circuit
Fire spreading from 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

How much is my premium?

Your premium may vary, depending on

Occupancy
Age of facility
Region
Stage of construction
Other factors

Get it now

Talk to us
Get in touch
Register your interest
Send us your details
Visit a branch
Locate a branch near you

Product literature

Asuransi Kebakaran - Fire Insurance (PDF, 0.7 MB)

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.

Information that might be useful

Insurance Glossary

Fire Insurance