What is Fire Insurance?
This insurance covers your property for perils insured under the Indonesian Fire Insurance Standard Policy.
Product information
Plan overview
- Coverage period
- 12 months (1 year)
- Perils Coverage
- Fire, Lightning, Explosion, Impact of falling aircraft and Smoke
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
- 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.
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You might find your answers in FAQs.
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