SMOKE AND VEHICLE IMPACT ENDORSEMENT

(CODE : 4.11 – 01/12/1998)
It is hereby declared and agreed that by deleting the word “vehicle impact” in CHAPTER II exceptions Item 1.3.2 of this Policy, the insurance hereunder is extended to cover :

4.11.1.    VEHICLE IMPACT, which for the purpose of this Endorsement shall mean :
Damage to the property insured directly resulting from actual physical contact of a vehicle with the property insured hereunder or with the building containing such property. Provided that the Insurer shall not be liable for any damage  caused :

a.    by any vehicle owned or operated by the Insured or by any tenant of the insured premises;
b.    to fences, driveways, walkways or lawns;
c.    to any other vehicle including its contents, other than stock of vehicles in process of manufacture or for sale.
For the purpose of this Endorsement, “vehicle” shall mean any vehicle running on land or tracks but not aircraft. It is further agreed that for each and every loss recoverable hereunder, the Insured shall bear Rp. 1.000.000,- (one million Rupiah)

4.11.2.    INDUSTRIAL SMOKE, which for the purpose of this Endorsement shall mean :
Loss or damage to the property insured resulting from smoke due to a sudden, unusual and faulty operation of any heating or cooking units connected to a chimney by a smoke pipe or by a vent pipe, and which is in or on the insured premises, excluding, however, smoke from fireplaces or industrial apparatus.
All other terms and conditions of the Policy remain unchanged.

(This wording is a translation of the original version in Bahasa Indonesia; in the event of any dispute arising from the interpretation of any meaning herein, the terms and conditions shall be interpreted according to the original Bahasa Indonesia version).
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