Civil Commotion Clause

CIVIL COMMOTION CLAUSE #

It is hereby noted and agreed that with additional premium, this insurance shall extend to include coverage as stipulated below:

1. RISKS COVERED

1.1   Any damage to insured motor vehicle or interest directly caused by one or more of the following risks:

1.1.1      Riot

1.1.2      Strike

1.1.3      Lock-Out

1.1.4      Brawling

1.1.5      Civil Commotion

1.1.6      Insurrection without the use of firearms

1.1.7      Revolution without the use of firearms

1.1.8      Prevention in relation to risks in item 1.1.1 up to 1.1.7

2.2  Any loss over insured motor vehicle and or interest directly caused by looting that occurs during Riot (item 1.1.1) or Civil Commotion (item 1.1.5)

Provided that such risks do not escalate in an uninterrupted chain of events into one or more of the excluded perils.

2. EXCLUDED RISKS

Extension of this insurance shall exclude any loss or damage, including loss or damage due to fires in insured motor vehicle and or interest, directly or indirectly cause by or resulting from:

2.1          Ceased of all or some of work or delay or disturbance or termination of a process or activity.

2.2          Loss of right permanently or temporarily due to confiscation, commandeering or requisition by the authority, or occupied illegally or against the law by a person.

2.3          Business Interruption or any kind of consequential loss in whatever form or nature.

In any action, suit or other proceedings, where the Insurer alleges that loss or damage is directly or indirectly caused by one or more of the excluded perils above, the burden of proof that such loss or damage is covered shall be on the Insured.

3. Own Risk

For each claim covered under the provision of this Endorsement, the Insured shall bear own risk as follows:

3.1          For Total Loss 5% of the sum insured.

3.2          For Partial Loss Rp.500.000,- any one accident.

4. Cancelation

This clause may be cancelled at any time by the Insurer by giving written notice through Registered Letter, Facsimile, Telex or Telegram to the Insured at his last known address.

The Insurer is relieved from all liability under this clause 3 (three) calendar days after the date of dispatch of written notice at 12.00 hours local time where the insured object is located.

As a result of this cancellation, the Insurer is obliged to return prorata premium for the unexpired period of insurance.

Other terms and conditions under this Policy shall remain unchanged.