ALL RISK insurance that guarantee against loss and or damage to motor vehicles and or interest insured that are directly caused by accidents, evil deeds of others, theft, fire, lightning and others that

In accordance with Standard Motor Vehicle Insurance Policy issued by the Indonesian Indonesian Insurance Council

1. Loss or damage to the motor vehicle and or interest insured directly caused by:

1.1. collision or impact, including upside down, slip, fall;
1.2. evil deeds;
1.3. theft, including theft preceded or accompanied or followed by violence or threat of violence as referred to in Article 362, subsection 363 (3), (4), (5) and Article 365 Code of Criminal Law;

1.4. fires, including:

1.4.1. fire caused by fire or other objects adjacent storage of motor vehicles;
1.4.2. fire caused by lightning strikes;
1.4.3. damage due to water and or other tools that are used to prevent or extinguish fires;
1.4.4. dimusnahkannya whole or in part in motor vehicles on the orders of the authorities in efforts to prevent the fire spreading.
2. Loss or damage caused by the above events and accidental conveyance by any cause during the vehicle and transported by ferry crossings or other instrument under the supervision of the Directorate General of Land, for the purpose of crossing.

3. Reasonable Costs incurred by the insured, in case of loss or damage due to risks guaranteed, for the preservation, transport or withdrawal to the garage or somewhere else in order to avoid or mitigate loss or damage, shall not exceed 0.5% (half percent) of the insured vehicle.
By paying an additional premium, can be extended to other such guarantees;

a. Responsibilities of the Parties to 3 (Third Party Liability)

This expansion guarantee reimburse the Insured for:

1. Legal liability for any loss suffered by the insured third party which is outside the vehicle, which are directly caused by a motor vehicle as a result of the guaranteed risk policy, both of which resolved through consultation, arbitration or through the courts, both of which received prior approval first of Insurers, include:

1.1. Damage to property;
2.2. Bodily injury and or death.

2. The court fees or costs of the expert assistance related to legal liability insured who first approved by the Insurer in writing. Insurers responsibility for these charges, as high as 10% of the limit of liability insurance coverage (TJH) to third parties listed in the Schedule.

b. Natural disasters, earthquakes, volcanic eruptions, hurricanes, storms, tsunamis, hail, flood, inundation, landslides or other meteorological or geological phenomena;
c. Riots, strikes, blockades work, brawl, melee, the generation of people, the takeover of power, revolution, insurrection, military power, invasion, civil war, wars and hostilities, rebellion, terrorism, sabotage, looting.
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