Banker Clause Asuransi untuk KPR (Tailor Made)

Kalau Anda membeli rumah dengan cara KPR, pasti Anda akan menemukan unsur biaya asuransi kebakaran di dalamnya. Kebanyakan asuransi yang diperjanjikan hanyalah asuransi FLEXAS untuk bangunan saja. Padahal, kita butuh asuransikan contents dengan segala isi rumah Anda bukan? Apalagi Anda bisa untuk meminta jaminan All Risk.

Nah, di bawah ini adalah Banker Clause untuk KPR yang sudah dimodifikasi dengan tujuan:
1) Agar apabila terjadi klaim selain FLEXAS, ganti rugi dapat diberikan kepada tertanggung langsung, yaitu Anda sendiri
2) Bank hanya akan dapatkan penggantian jika kerugiannya FLEXAS only, dan terhadap bangunan saja tentunya.

Banker Clause - in respect of building only
It is noted and agreed that the property insured by this Policy in respect of FLEXAS (Fire, Lightning, Explosion, Aircraft Impact and Smoke) cover only has been mortgaged with bank

PT. BANK ABCDEFG

and that in consequence thereof, it has been agreed with the said mortgagee and the Insured, that in case of loss due to FLEXAS (Fire, Lightning, Explosion, Aircraft Impact and Smoke) perils only, if any, payable under this policy any payment up to the amount to which the said mortgagee is entitled for principal, interest accrued and costs shall be made to the said mortgage without prejudice to the rights the insured may have on the difference.
This clause to be null and void on receipt of advice from the said mortgagee that they are no longer interested in the insured under this Policy.