August 2017 ~ Akademi Asuransi

Claims Series Clause

Several claims resulting from the same cause shall be regarded as one loss, irrespective of the number of injured persons or claimants (e.g. several claims resulting from damages or injuries attributable to the same erroneous design, defect, erroneous production procedure, production or instruction errors, batches of products with the same defect, the same act or omission).

The date of occurrence of such losses shall be the one of the first occurrence of the series (occurrence trigger).
Or:
The date of occurrence of such losses shall be the one of the first claim made of the series (claims made trigger)

Terjemahan:

KLAUSULA RANGKAIAN KLAIM

Beberapa klaim yang berasal dari penyebab yang sama akan dianggap sebagai satu kejadian kerugian, terlepas dari berapa jumlah orang yang terluka atau pihak yang menuntut (misalkan beberapa klaim atas kerusakan atau cedera yang terkait dengan

kesalahan desain, cacat, kesalahan prosedur produksi yang salah, produksi atau instruksi keliru yang sama, kumpulan produk yang sejenis dengan cacat yang sama, tindakan  atau kelalaian yang sama).


Tanggal terjadinya kerugian tersebut akan ditetapkan sebagai kejadian pertama dari rangkaian tersebut  (catatan untuk polis loss occurrence).
atau:
Tanggal terjadinya kerugian tersebut akan ditetapkan klaim yang diajukan pertama kali dari rangkaian tersebut (catatan: untuk polis claims made)


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MARINE LIABILITY EXCLUSION

It is understood and agreed that this insurance shall not apply to any claim, direct or consequential, arising out of any marine and/or water borne liability which includes but not limited to:

Charterer's Liability                    Terminal Operators Liability
Protection And Indemnity           Safe Berth Liability
Collision Liability                       Wharfingers Liability
Towers Liability                         Stevedores Liability
Transit Liability

It is further agreed that this insurance shall not apply to:

1.     Liability arising out of the ownership, fueling, loading or loading of any watercraft; or
2.     Damage to or destruction of any dock, pier, harbour, bridge, buoy, beacon, cable, breakwater structure or lighthouse; or
3.     Liability for costs or expenses of or incidental to the removal of the wreck of any vessel;
4.     Liability arising out of injury to any passenger o any vessel operated by or on behalf of the Insured



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PRODUCTS EFFICACY EXCLUSION

This Policy does not apply to liability arising from the failure of the product (or any part thereof) to fulfil the purpose for which it was designed or to perform as specified, warranted or guaranteed, unless such failure is due to an unintentional error in the manufacture, assembly or installation of the Products (or any part thereof).
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WATER, FLOOD (excluding Act of God) AND FUMES LIABILITY CLAUSE

It is hereby declared and agreed that this Policy, subject to its terms, limitations and conditions,  extends to cover liability arising out of Flood (excluding Act of God), water and fumes.

Penjelasan: Flood di sini bukan banjir yang sifatnya bencana alam, tetapi banjir lokal. Contoh: Karena kebocoran saluran pipa yang ada di dalam Premise.

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