CIVIL ENGINEERING COMPLETED RISKS INSURANCE

PT Bandar Udara Internasional Jawa Barat QQ PT. Bank

Pembangunan Daerah Jawa Tengah Syariah associated companies
and/or affiliated companies and/or inter-related companies for their
respective rights, interest and liabilities

Policy No. 426.483.110.19.00001

Whereas the Insured named in the Schedule(s) hereto has made to the

PT. Asuransi Jasindo Syariah

(hereinafter called “the Insurer”) a written proposal by completing the Questionnaire(s) which together
with any other statements made in writing by the Insured for the purpose of this policy is deemed to be
incorporated herein.

Now this Policy of Insurance withnesseth that subject to the Insured having paid or agree to pay to
the Insurers the premium mentioned in the Schedule(s) and subject to the terms, exclusions, provisions
and conditions contained herein or endorsed hereon the Insurers will indemnify the Insured in the manner
and to the extent hereinafter provided.

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
Telp. 021 3919988 (Hunting), Faks. 021 3912288 Email. asuransi@jasindosyariah.co.id
www.jasindosyariah.co.id
 SCHEDULE ATTACHING TO
CIVIL ENGINEERING COMPLETED RISKS INSURANCE
POLICY NR. : 426.483.110.19.00001

(A) TYPE OF INSURANCE : CIVIL ENGINEERING COMPLETED RISKS INSURANCE

(B) WORDING : CECR Munich Re standard Policy Wording, Including the following
clauses/endorsements

(C) THE INSURED : PT Bandar Udara Internasional Jawa Barat QQ PT. Bank
Pembangunan Daerah Jawa Tengah Syariah associated
companies and/or affiliated companies and/or inter-related
companies for their respective rights, interest and liabilities

(D) ADDRESS : Kecamatan Kertajati, Kabupaten Majalengka, Jawa Barat

(E) PROPERTY TO BE INSURED : Road, Aces Road, Simpang Susun, Parking Area and others
facilities

(F) RISKS LOCATION : Bandar Udara Internasional Jawa barat - Kertajati,

Majalengka Jawa Barat (Zona 3)

(G) SUM INSURED : IDR 460,873,890,705.70

(H) PERIOD OF INSURANCE : From 31st December 2019 up to 31st December 2020
(both dates inclusive at 12.00 noon o’clock at local time)
(I) DEDUCTIBLE : - AOG : 5% of claim minimum IDR. 50.000.000 any one location
and any one occurrence
- Due to impact of vehicles and burglary , theft but not only
limited to Fences, Sign Board, Public Lamp road (PJU) : 5% of
claim Min IDR 5,000,000 a.o.o
- Other: IDR. 2,500.000 a.o.o

(J) CLAUSES : Munich Re – CECR Standard Policy Wording, including the

following clauses /endorsements
1. Alteration clause
2. Appraisement clause (5% of Individual Sum Insured)
3. Average relief clause (85% of Individual Sum Insured)
4. Automatic Reinstatement of Sum Insured clause (subject to
additional premium)
5. Architects, Surveyors and Consulting Engineers Expenses
clause ( limit 5% of claim)
6. Banker’s Clause : PT Bank Jateng Syariah
7. Burglary and Theft Endorsement (limit of liability IDR
2.000.000.000)
8. Capital addition clause ( limit 10% of claim)
9. Claim settlement clause
10. Civil authorities clause
11. Co-insurance clause - Claim Settlement by Leader
- PT. Asuransi Jasindo Syariah 70% (Leader)
- PT. Asuransi Ramayana Syariah 20% (Member)
- PT. Asuransi ASEI Syariah 10% (Member)
12. Cost of Re-erection Clause
13. Cost of rewriting records and claim preparation clause
14. Deferred Premium Clause in 4 installments:
1st payment : 1/4 of Total Premium ~ 1 month after
inception date
2nd payment : 1/4 of Total Premium ~ 2 months after
inception date
3rd payment : 1/4 of Total Premium ~ 3 months after
Page 2 of 28

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
Telp. 021 3919988 (Hunting), Faks. 021 3912288 Email. asuransi@jasindosyariah.co.id
www.jasindosyariah.co.id
 inception date
4th payment : 1/4 of Total Premium ~4 months after
inception date
15. Designation clause
16. Dispute Clause “A”
17. Error & Omissions Clause
18. Escalation Clause (10 % of Sum Insured)
19. Expediting Expenses Clause (10 % of Loss)
20. Fire Brigades charges clause ( IDR. 250.000.000 )
21. Fire Extinguisher refilling cost clause (IDR. 250.000.000 )
22. Impact by vehicle its contents ( including heavy equipment )
23. Internal Removal Clause
24. Loss notification clause (14 days)
25. Minor Alteration and Repair Clause
26. MisDescription clause
27. Payment on account clause (25 %)
28. Professional fee clause (10 % of Sum Insured)
29. Prorate return premium clause ( subject to no claim )
30. Public Authorities Clause
31. RSMD 4.1. B + CC (AAUI/2007)
32. Removal of debris ( 10% of SI as location )
33. Reinstatement value clause
34. Structural Alteration Clause
35. Temporary Removal Clause
36. Time adjustment clause ( 72 hours) EQVET only
37. Vehicle Load Clause
38. Waiver of subrogation to PT Bandar Udara Internasional
Jawa Barat QQ PT. Bank Pembangunan Daerah Jawa
Tengah Syariah.
39. Nominated loss adjuster clause :
 PT Satria Dharma Pusaka Crawford
 PT McLaren Indonesia
 PT Prima Adjusterindo Mandiri
 PT Radita Hutama Internusa
 PT Cunningham Lindsey Indonesia
 PT Kuadra Inti Adjuster
 PT Sapta Pirsa Mandiri
 PT Multipilar Jasa Pirsanusa
 Others adjuster agreed between insured and insurer

(K) PREMIUM RATE : 0.06%

(L) PREMIUM CALCULATION : 0,06% x IDR. 460,873,890,705.70 = IDR 276,524,334.42

Discount = IDR 34,565,541,80
Nett Premium = IDR 241,958,792.62

Jakarta, 26 December 2019

signed and on behalf of
PT. ASURANSI JASINDO SYARIAH

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
Telp. 021 3919988 (Hunting), Faks. 021 3912288 Email. asuransi@jasindosyariah.co.id
www.jasindosyariah.co.id
 KLAUSULA SYARAT PEMBAYARAN PREMI ANGSURAN
(Melekat Pada Polis No. 426.483.110.19.00001/000/000))

PT Bandar Udara Internasional Jawa Barat

QQ PT. Bank Pembangunan Daerah Jawa Tengah Syariah

DENGAN INI DICATAT DAN DISETUJUI BAHWA MENYIMPANG DARI APAPUN YANG BERTENTANGAN DENGAN SYARAT
INI, PREMI ASURANSI POLIS INI AKAN DIBAYAR DENGAN ANGSURAN SEBAGAI BERIKUT:

ANGSURAN 1: BATAS TANGGAL LUNAS 31 JANUARI 2020 : IDR 60,489,698.16

ANGSURAN 2: BATAS TANGGAL LUNAS 03 MARET 2020 : IDR 60,489,698.16

ANGSURAN 3: BATAS TANGGAL LUNAS 03 APRIL 20 20 : IDR 60,489,698.16

ANGSURAN 4: BATAS TANGGAL LUNAS 03 MEI 2020 : IDR 60,489,698.16

SELANJUTNYA DISETUJUI BAHWA PREMI ASURANSI POLIS INI HARUS DIBAYAR LUNAS SELAMBAT-LAMBATNYA PADA
TANGGAL JATUH TEMPO SETIAP ANGSURAN TERSEBUT DIATAS, APABILA ANGSURAN TIDAK ATAU TERLAMBAT
DIBAYAR, MAKA PENANGGUNG TERBEBAS DARI SEGALA TANGGUNG JAWAB ATAS KLAIM YANG TIMBUL SELAMA
KURUN WAKTU TERLAMBATNYA PEMBAYARAN PREMI TANPA BERPENGARUH TERHADAP HAK PENANGGUNG ATAS
PREMI YANG BELUM DIBAYAR.

DALAM HAL TERJADI KLAIM PARTIAL LOSS DAN/ATAU TOTAL LOSS YANG JUMLAHNYA MELEBIHI PREMI ANGSURAN
YANG SUDAH LUNAS, MAKA SISA KESELURUHAN ANGSURAN PREMI YANG BELUM DIBAYAR WAJIB DIBAYAR LUNAS.

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
Telp. 021 3919988 (Hunting), Faks. 021 3912288 Email. asuransi@jasindosyariah.co.id
www.jasindosyariah.co.id
 CIVIL ENGINEERING COMPLETED RISKS

Whereas the Insured named in the Schedule hereto has Bahwa Tertanggung yang disebut dalam Ikhtisar ini telah
made to the mengajukan kepada

PT ASURANSI JASINDO SYARIAH PT ASURANSI JASINDO SYARIAH

(hereinafter called "the Insurers") a written proposal by (yang selanjutnya disebut “Penanggung”) suatu proposal
completing a questionnaire which, together with any other tertulis dengan melengkapi kuesioner, bersama dengan
statements made in writing by the Insured for the purpose pernyataan lain yang dibuat secara tertulis oleh
of this Policy, is deemed to be incorporated herein, Tertanggung yang untuk kepentingan Polis ini, dianggap
menjadi kesatuan daripadanya,

Now this Policy of Insurance witnesses that, subject to the Maka Polis Asuransi ini menyatakan bahwa, dengan
Insured having paid to the Insurers the premium syarat Tertanggung telah membayar premi kepada
mentioned in the Schedule and subject to the terms, Penanggung sebagaimana disebut dalam Ikhtisar dan
exclusions, provisions and conditions contained herein or tunduk pada syarat, pengecualian, ketentuan dan kondisi
endorsed hereon, the Insurers will indemnify the Insured in yang terkandung di dalamnya atau dibuat endosemen
the manner and to the extent hereinafter provided. padanya, Penanggung akan memberi ganti rugi kepada
Tertanggung sesuai dengan cara dan lingkup sebagaimana
ditetapkan selanjutnya.

The Insurers hereby agree with the Insured that if the Penanggung dengan ini setuju dengan Tertanggung
items or any part thereof entered in the schedule suffer bahwa jika barang-barang atau bagian darinya yang
any unforeseen and sudden physical loss or damage caused tercantum dalam ikhtisar menderita kerugian atau
by kerusakan fisik yang tidak terduga dan tiba-tiba yang
disebabkan oleh

a) Kebakaran, Kilat/Sambaran Petir, Ledakan, Tabrakan

a). fire, lightning, explosion, impact of landborne or dengan kendaraan darat atau kendaraan air,
waterborne vehicles,
b) Kejatuhan/tertimpa Pesawat Terbang dan alat-alat
b). impact of aircraft and other aerial devices or articles atau benda-benda yang berada diudara,
dropped therefrom,
c) Gempa Bumi, Letusan Gunung Berapi, Tsunami,
c). earthquake, volcanism, tsunami,
d) Angin Topan (pergerakan udara yang lebih kuat dari
d). storm (air movements stronger than grade 8 on the tingkat 8 pada Skala Beaufort),
Beaufort Scale),
e) Banjir atau Genangan Air, tindakan gelombang atau
e). flood or inundation, wave action or water, air,

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CIVIL ENGINEERING COMPLETED RISKS INSURANCE POLICY

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
Telp. 021 3919988 (Hunting), Faks. 021 3912288 Email. asuransi@jasindosyariah.co.id
www.jasindosyariah.co.id
 f) Penurunan permukaan tanah, Tanah longsor,
f). subsidence, landslide, rockslide or any other earth Longsoran batu atau gerakan tanah lainnya,
movement,
g) Beku, Salju, Es,
g). frost, avalanche, ice,
h) Perusakan yang dilakukan oleh perorangan,
h). vandalism of single persons,
sehingga memerlukan perbaikan atau penggantian yang
in a manner necessitating repair or replacement and timbul selama jangka waktu asuransi seperti yang
occurring at any time during the period of insurance stated tercantun dalam Ikhtisar atau selama jangka waktu
in the schedule or during any subsequent period for which berikutnya dimana Tertanggung membayar dan
the Insured pays and the Insurers may accept the premium Penanggung menerima premi untuk perpanjangan Polis
for the renewal of this Policy. ini.

Penanggung akan memberi ganti rugi kepada

the Insurers will indemnify the Insured for such loss or Tertanggung untuk kerugian atau kerusakan tersebut
damage by payment in cash, replacement or repair (at the dengan pembayaran tunai, penggantian atau perbaikan
Insurers’ option) up to an amount not exceeding in respect (atas pilihan Penanggung) sampai dengan suatu jumlah
of each of the items specified in the schedule the sum set yang tidak melebihi sehubungan dengan tiap-tiap barang
opposite thereto and not exceeding in any one event the yang tercantum dalam Ikhtisar suatu jumlah yang
limit of indemnity, where applicable, and not exceeding in ditentukan di dalamnya dan tidak melebihi batas
all the total sum expressed in the schedule as insured tanggung jawab dalam setiap peristiwa, bilamana dapat
hereby diterapkan, dan tidak melebihi secara keseluruhan jumlah
yang tertera dalam Ikhtisar sebagai yang diasuransikan

EXCLUSIONS PENGECUALIAN

The Insurers shall not indemnify the Insured in respect of : Penanggung tidak memberikan ganti rugi kepada
Tertanggung sehubungan dengan :

1. the deductible stated in the schedule to be borne by the 1. Risiko sendiri yang tercantum dalam Ikhtisar yang
Insured in any one event; ditanggung oleh Tertanggung untuk setiap peristiwa;

2. loss or damage directly or indirectly caused by, or 2. Kerugian atau kerusakan langsung atau tidak
arising out of, or aggravated by langsung yang disebabkan oleh, atau timbul dari, atau
diberburuk oleh

a). war, invasion, act of foreign enemy, hostilities a) Perang, invasi, tindakan musuh asing, permusuhan
(whether war be declared or not), civil war, (baik perang yang dideklarasikan atau tidak),
rebellion, revolution, insurrection, mutiny, riot, perang saudara, pemberontakan, revolusi,
strike, lockout, civil commotion, military or usurped pembangkitan rakyat, pembangkangan,
power, a group of malicious persons or persons kerusuhan, pemogokan, penghalangan bekerja,
acting on behalf of or in connection with any huru-hara, kekuatan militer atau pengambil-alihan
political organization, conspiracy, confiscation, kekuasaan, sekelompok orang jahat atau orang-
commandeering, requisition or destruction or orang yang bertindak atas nama atau berkaitan
damage by order of any government de jure or de dengan suatu organisasi politik, persekongkolan,

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CIVIL ENGINEERING COMPLETED RISKS INSURANCE POLICY

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
Telp. 021 3919988 (Hunting), Faks. 021 3912288 Email. asuransi@jasindosyariah.co.id
www.jasindosyariah.co.id
 facto or any public authority; penyitaan, penahanan, pengambil-alihan atau
penghancuran atau pengrusakan atas perintah
pemerintah de jure atau de facto atau perintah
oleh pihak yang berwenang;

b). nuclear reaction, nuclear radiation or radioactive b) Reaksi nuklir, radiasi nuklir, atau kontaminasi
contamination; radioaktif;

c). willful act or willful negligence of the Insured or his c) Tindakan sengaja atau kelalaian sengaja oleh
representatives; in any action, suit or other Tertanggung atau wakilnya; dalam setiap tindakan,
proceeding where the Insurers allege that, by reason gugatan atau proses hokum lain dimana
of the provisions of Exclusion a). above, any loss, Penanggung menyatakan bahwa berdasarkan
destruction, damage or liability is not covered by ketentuan Pengecualian a). di atas suatu kerugian,
this Policy, the burden of proving that such loss, kehancuran, kerusakan atau tanggung jawab tidak
destruction, damage or liability is covered shall be dijamin oleh Polis ini, kewajiban pembuktian
upon the Insured; bahwa kerugian, kehancuran, kerusakan atau
tanggung jawab tersebut dijamin berada pada
Tertanggung.
3. loss or damage or expense caused by, or arising out of, 3. Kerugian atau kerusakan atau biaya yang disebabkan
or substantially aggravated by inherent defects, wear an oleh, atau timbul dari, atau banyak sekali diperburuk
tear, gradual deterioration, expansion or contraction of oleh cacat-cacat bawaan, aus, perburukan secara
insured items due to changes of temperature; bertahap, pemuaian atau penyusutan barang-barang
Tertanggung karena perubahan temperatur;

4. loss or damage caused by, or arising out of, or 4. Kerugian atau kerusakan yang disebabkan oleh, atau
aggravated by failure of the Insured to keep and timbul dari, atau diperburuk oleh kegagalan
maintain the insured items in a thorough state of repair; Tertanggung untuk menjaga dan memelihara barang-
barang Tertanggung dalam suatu keadaan yang baik;

5. consequential loss or damage of any kind or description. 5. Kerugian atau kerusakan lanjutan dalam bentuk atau
deskripsi apapun.

GENERAL CONDITIONS KONDISI UMUM

1. The due observance and fulfillment of the terms of 1. Pentaatan dan pemenuhan syarat-syarat pada Polis
this Policy, insofar as they relate to anything to be ini sejauh yang berkaitan debgan apapun yang harus
done or complied with by the Insured, and the truth dilaksanakan atau dipatuhi oleh Tertanggung dan
of the statements and answers in the questionnaire kebenaran pernyataan dan jawaban dalam
and proposal made by the Insured shall be a condition kuesioner dan permohonan yang dibuat oleh
precedent to any liability of the Insurers. Tertanggung menjadi kondisi preseden atas
tanggung jawab Penanggung.

2. The schedule shall be deemed to be incorporated in 2. Ikhtisar dianggap menjadi kesatuan dan merupakan
and form part of this Policy and the expression “this bagian yang tidak terpisahkan dari Polis ini dan
Policy”, wherever used in this contract, shall be read ungkapan “Polis ini” dimanapun digunakan didalam
as including the Schedule. Any word or expression to kontrak ini harus dibaca sebagai termasuk Ikhtisar.
which a specific meaning has been attached in any Setiap kata atau ungkapan yang memiliki arti khusus

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CIVIL ENGINEERING COMPLETED RISKS INSURANCE POLICY

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
Telp. 021 3919988 (Hunting), Faks. 021 3912288 Email. asuransi@jasindosyariah.co.id
www.jasindosyariah.co.id
 part of this Policy or of the schedule shall bear such yang terdapat pada setiap bagian dari Polis ini atau
meaning wherever it may appear. Ikhtisar mengandung arti tersebut dimanapun
muncul.

3. The Insured shall at his own expense take all 3. Tertanggung atas biaya sendiri harus melakukan
reasonable precautions and comply with all semua tindakan pencegahan yang wajar dan
reasonable recommendations of the Insurers to mematuhi semua rekomendasi yang wajar dari
prevent loss or damage and comply with statutory Penanggung untuk mencegah kerugian, kerusakan
requirements and manufacturers’ recommendations. dan mematuhi peraturan perundang-undangan dan
rekomendasi pabrik.

4. a). Representatives of the Insurers shall at any 4. a). Wakil Penanggung pada setiap waktu yang wajar
reasonable time have the right to inspect and berhak menginspeksi dan mengkaji risiko dan
examine the risk and the Insured shall provide the Tertanggung harus memberikan kepada wakil
representatives of the Insurers with all details and Penanggung semua keterangan rinci dan
information necessary for the assessment of the informasi yang diperlukan untuk penilaian risiko.
risk.

b). The Insured shall immediately notify the Insurers b).Tertanggung harus segera memberitahu
by telegram and in writing of any material change Penangung dengan telegram dan secara tertulis
in the risk and cause at his own expense such atas setiap perubahan materiil pada risiko dan
additional precautions to be taken as menyebabkan atas biayanya sendiri tindakan
circumstances may require, and the scope of cover pencegahan tambahan tersebut diambil sesuai
and/or premium shall, if necessary, be adjusted dengan keadaan yang diperlukan, dan luas
accordingly. No material alteration shall be made jaminan dan/atau premi, jika perlu, akan
or admitted by the Insured whereby the risk is disesuaikan sebagaimana mestinya. Tidak ada
increased, unless the continuance of the cover perubahan yang materiil yang dibuat atau diakui
provided under this Policy is confirmed in writing oleh Tertanggung dimana risiko menjadi
by the Insurers. meningkat, kecuali jika kelanjutan asuransi ini
dikonfirmasi secara tertulis oleh Penanggung.

5. In the event of any occurrence which might give rise 5. Dalam hal terjadi peristiwa yang dapat menimbulkan
to a claim under this Policy, the Insured shall klaim pada Polis ini, Tertanggung harus :

a). immediately notify the Insurers by telephone or a) Segera memberitahu Penanggung dengan
telegram as well as in writing, giving an telephone atau telegram dan juga secara tertulis,
indication as to the nature and extent of the loss memberikan suatu indikasi atas sifat dan tingkat
or damage; kerugian atau kerusakan;

b). take all steps within his power to minimize the b) Melakukan semua langkah yang berada didalam
extent of the loss or damage; kekuasaannya untuk memperkecil tingkat
kerugian atau kerusakan;

c). preserve the parts affected and make them c) Menjaga bagian-bagian yang terkena dampak
available for inspections by a representative or dan membuatnya tersedia untuk inspeksi oleh
surveyor of the Insurers; wakil atau surveyor Penanggung;

d). furnish all such information and documentary d) Menyerahkan semua informasi dan bukti

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CIVIL ENGINEERING COMPLETED RISKS INSURANCE POLICY

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
Telp. 021 3919988 (Hunting), Faks. 021 3912288 Email. asuransi@jasindosyariah.co.id
www.jasindosyariah.co.id
 evidence as the Insurers may require. dokumen yang diminta oleh Penanggung.

The Insurers shall on no account be liable for loss or Penanggung bagaimanapun juga tidak bertanggung
damage of which no notice has been received by the jawab atas kerugian atau kerusakan dimana tidak
Insurers within 14 days of its occurrence. tidak ada laporan yang diterima oleh Penanggung
dalam waktu 14 hari sejak kejadiannya.

Upon notification being given to the Insurers under Setelah pemberitahuan diberikan kepada
this condition, the Insured may carry out repairs of or Penanggung sesuai kondisi ini, Tertanggung dapat
make good any minor damage; in all other cases a melakukan perbaikan atau membetulkan kerusakan
representative of the Insurers shall have the kecil; dalam segala hal yang lain wakil Penanggung
opportunity of inspecting the loss or damage before mempunyai kesempatan untuk menginspeksi
any repairs or alterations are effected. kerugian atau kerusakan sebelum suatu perbaikan
atau perubahan dilakukan.

If a representative of the Insurers does not carry out Jika wakil Penanggung tidak melakukan inspeksi
the inspection within a period of time which could be dalam jangka waktu tertentu yang dapat dianggap
considered reasonable under the circumstances, the cukup dalam situasi tersebut, Tertanggung berhak
Insured shall be entitled to proceed with the repairs melakukan perbaikan atau penggantian.
or replacement.
Tidak terdapat sesuatu pun didalam Polis ini yang
Nothing contained herein shall prevent the Insured dapat mencegah Tertanggung untuk mengambil
from taking such steps as are absolutely necessary for langkah-langkah yang mutlak diperlukan untuk
the upkeep of operations. menjaga operasi.

The liability of the Insurers under this Policy in respect Tanggung jawab Penanggung berdasarkan Polis ini
of any item sustaining damage shall cease if said item sehubungan dengan setiap barang yang mengalami
is not repaired properly without delay. kerusakan akan berakhir jika barang tersebut tidak
diperbaiki sebagaimana mestinya tanpa
keterlambatan.

6. The Insured shall at the expense of the Insurers do 6. Tertanggung atas biaya Penanggung melakukan dan
and concur in doing and permit to be done all such setuju melakukan dan mengijinkan dilakukannya
acts and things as may be necessary or required by semua tindakan dan hal-hal yang mungkin
the Insurers in the interest of any rights or remedies, diperlukan atau diminta oleh Penanggung demi
or of obtaining relief or indemnity from parties (other kepentingan atas segala hak atau pemulihan, atau
than those insured under this Policy) to which the untuk memperoleh keringanan atau ganti rugi dari
Insurers are or would become entitled or which is or pihak-pihak (selain dari pihak yang diasuransikan
would be subrogated to them upon their paying for or pada Polis ini) terhadap mana Penanggung berhak
making good any loss or damage under this Policy, atau seharusnya berhak atau memperoleh atau
whether such acts and things are or become seharusnya memperoleh hak tuntut setelah
necessary or required before or after the Insured’s mengganti atau membetulkan suatu kerugian atau
indemnification by the Insurers. kerusakan berdasarkan Polis ini, baik tindakan atau
hal-hal tersebut perlu atau menjadi perlu atau
diminta sebelum atau setelah pemberian ganti rugi
Tertanggung oleh Penanggung.

7. a). If the proposal or declaration of the Insured is 7. a). Jika permohonan atau deklarasi Tertanggung
untrue in any material respect, or if any claim tidak benar dalam segala hal yang materiil, atau

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CIVIL ENGINEERING COMPLETED RISKS INSURANCE POLICY

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
Telp. 021 3919988 (Hunting), Faks. 021 3912288 Email. asuransi@jasindosyariah.co.id
www.jasindosyariah.co.id
 made is fraudulent or substantially exaggerated, or jika klaim yang dibuat adalah curang atau
if any false declaration or statement is made in dibesar-besarkan secara substansial, atau jika
support thereof, then this Policy shall be void and deklarasi atau pernyataan yang salah dibuat
the Insurers shall not be liable to make any untuk mendukungnya, maka Polis ini menjadi
payment hereunder. tidak berlaku dan Penanggung tidak bertanggung
jawab untuk melakukan pembayaran apapun.

b). In the event of the Insurers disclaiming liability in b). Dalam hal Penanggung menolak tanggung jawab
respect of any claim and if an action or suit is not sehubungan dengan suatu klaim dan jika suatu
commenced within six months after such tindakan atau gugatan tidak dilakukan dalam tiga
disclaimer or, in the case of arbitration taking bulan setelah penolakan tersebut atau dalam hal
place in pursuance of Condition 9 of this Policy, dilaksanakan proses arbitrase menurut Kondisi 9
within three months after the arbitrators or Polis ini, dalam waktu tiga bulan setelah para
umpire have made their award, all benefit under Arbiter atau Wasit membuat keputusan, segala
this Policy in respect of such claim shall be manfaat berdasarkan Polis ini sehubungan
forfeited. dengan klaim tersebut akan hilang.

8. Polis ini dapat diakhiri atas permintaan Tertanggung

8. This Policy may be terminated at the request of the setiap saat, dalam hal mana Penanggung akan
Insured at any time, in which case the Insurers will menahan suku premi jangka pendek yang lazim
retain the customary short-period rate for the time untuk jangka waktu Polis yang telah berlaku. Polis ini
this Policy has been in force. This Policy may equally juga dapat diakhiri atas pilihan Penanggung dengan
be terminated at the option of the Insurers by seven tujuh hari pemberitahuan sebelum berlakunya
days’ notice to that effect being given to the Insured, diberikan kepada Tertanggung, dalam hal mana
in which case the Insurers shall be liable to repay on Penanggung akan bertanggung jawab untuk
demand a rateable proportion of the premium for the membayar kembali atas permintaan premi
unexpired term from the date of cancellation less any proporsional prorata untuk jangka waktu yang
reasonable inspection charges the Insurers may have belum berakhir dari tanggal pembatalan dikurangi
incurred. biaya inspeksi yang wajar yang mungkin dikeluarkan
Penanggung.

9. Jika suatau perbedaan timbul mengenai jumlah yang

9. If any difference arises as to the amount to be paid harus dibayar berdasarkan Polis ini (sebaliknya
under this Policy (liability being otherwise admitted), tanggung jawab telah diakui), perbedaan tersebut
such difference shall be referred to the decision of an akan dirujuk pada keputusan seorang Arbiter yang
arbitrator to be appointed in writing by he parties in ditunjuk secara tertulis oleh para pihak yang
difference or, if they cannot agree upon a singe bersengketa atau, jika mereka tidak dapat setuju
arbitrator, to the decision of two arbitrators, one to atas Arbiter tunggal, pada keputusan dua Arbiter,
be appointed in writing by each of the parties within satu ditunjuk secara tertulis oleh masing-masing
one calendar month after having been required in pihak dalam satu bulan kalender setelah diminta
writing so to do by either of the parties, or, in case the secara tertulis untuk melakukannya baik oleh para
arbitrators do not agree, of an umpire to be appointed pihak, atau, dalam hal para Arbiter tidak setuju,
in writing by the arbitrators before the latter enter seorang Wasit yang ditunjuk secara tertulis oleh
upon the reference. The umpire shall sit with the para Arbiter sebelum yang disebut terakhir masuk
arbitrators and preside at their meetings. The making ke perujukan. Wasit duduk bersama dengan para
of an award shall be a condition precedent to any Arbiter dan memimpin rapat mereka. Keputusan
right of action against the Insurers. yang dibuat menjadi suatu prasayarat terhadap
segala hak untuk bertindak terhadap Penanggung.

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 10. Jika pada saat suatu klaim timbul berdasarkan Polis
10. If at the time any claim arises under this Policy there is ini terdapat asuransi lain yang menanggung kerugian
any other insurance covering the same loss, damage atau kerusakan yang sama, Penanggung tidak
or liability, the Insurers shall not be liable to pay or bertanggung jawab membayar atau memberikan
contribute more than their rateable proportion of any kontribusi lebih dari bagiannya secara proporsional
claim for such loss, damage or liability. dari klaim untuk kerugian, kerusakan, tanggung
jawab tersebut.

PROVISIONS KETENTUAN-KETENTUAN

Memo 1 - Sum insured Memo 1 - Harga Pertanggungan :

It shall be a requirement of this Policy that the sums Merupakan suatu persyaratan Polis ini bahwa harga
insured stated in the schedule are not less than the cost of pertanggungan yang tercantum dalam Ikhtisar adalah
replacement of the insured items by new items of the same tidak kurang dari biaya penggantian barang-barang yang
kind and capacity, inclusive of all materials, wages, freight, diasuransikan dengan barang-barang baru dari jenis dan
customs duties and dues. kapasitas yang sama, termasuk semua material, upah,
ongkos angkut, bea cukai, pajak.

The Insured shall undertake to increase or decrease the Tertanggung menaikkan atau menurunkan jumlah
amounts of insurance in the event of any material asuransi dalam hal terjadi fluktuasi yang materiil pada
fluctuation in wages or prices, provided always that such upah atau harga, selalu dengan syarat bahwa kenaikan
increase or decrease takes effect only after the same has atau penurunan tersebut mulai berlaku hanya setelah
been recorded in this Policy by the Insurers. dicatat didalam Polis oleh Penanggung.

If in the event of loss or damage it is found that the sums Jika, dalam hal kerugian atau kerusakan ditemukan
insured are less than the amount required to be insured, bahwa harga pertanggungan kurang dari jumlah yang
the amount recoverable by the Insured under this Policy disyaratkan untuk diasuransikan, maka jumlah yang dapat
shall be reduced in such proportion as the sums insured diperoleh kembali oleh Tertanggung berdasarkan Polis ini
bear to the amounts required to be insured. Every item berkurang secara proporsional menurut perbandingan
entered in the schedule shall be subject to this condition harga pertanggungan terhadap jumlah yang disyaratkan
separately. untuk diasuransikan. Setiap barang yang dimasukkan
dalam Ikhtisar tunduk pada kondisi ini secara terpisah.

Memo 2 - Basis of loss settlement Memo 2 - Dasar Penyelesaian Kerugian :

In the event of loss or damage the basis of any settlement Dalam hal kerugian atau kerusakan maka dasar tiap
under this Policy shall be penyelesaian berdasarkan Polis ini adalah :

a) in the case of damage which can be repaired - the cost a) Dalam hal kerusakan yang dapat diperbaiki - biaya
of repairs necessary to restore the items to their perbaikan yang diperlukan untuk mengembalikan
condition immediately before the occurrence of the barang tersebut ke kondisi sesaat sebelum terjadinya
damage less salvage (excluding the cost of clearance kerusakan dikurangi sisa barang (tidak termasuk
of debris), biaya pembersihan puing-puing atau kotoran-
kotoran)

Page 7
CIVIL ENGINEERING COMPLETED RISKS INSURANCE POLICY

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
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 b) in the case of a total loss b) Dalam hal kerugian total

- the replacement costs of the insured items if the - biaya-biaya penggantian barang-barang yang
loss occurs within the period stated in the diasuransikan jika kerugian terjadi dalam
schedule, Jangka waktu yang tercantum dalam Ikhtisar.

- the actual value of the items immediately before - nilai sebenarnya dari barang-barang tersebut
the occurrence of the loss less salvage, such sesaat sebelum terjadinya kerugian sisa
actual value to be calculated by deducting barang, nilai sebenarnya tersebut dihitung
proper depreciation from the replacement value dengan memotong depresiasi yang pantas dari
of the items, nilai penggantian barang-barang dimaksud,

however, only to the extent the costs claimed had to bagaimanapun, hanya sebesar biaya yang diklaim
be borne by the Insured and to the extent they are yang harus ditanggung oleh Tertanggung dan
included in the sums insured and provided always that sebesar yang termasuk dalam harga pertanggungan
the provisions and conditions have been complied dan selalu dengan syarat bahwa ketentuan dan
with. kondisi telah dipenuhi.

Penanggung akan melakukan pembayaran hanya setelah

The Insurers shall make payments only after being satisfied puas dengan diajukannya tagihan dan dokumen yang
by production of the necessary bills and documents that diperlukan bahwa perbaikan atau penggantian telah
the repairs have been effected or replacement has taken dilakukan sebagaimana mestinya. Semua kerusakan yang
place, as the case may be. All damage which can be dapat diperbaiki harus diperbaiki, tetapi jika biaya
repaired shall be repaired, but if the cost of repairing any perbaikan setiap kerusakan sama dengan atau melebihi
damage equals or exceeds the value of the items nilai barang tersebut sesaat sebelum terjadinya
immediately before the occurrence of the damage, the kerusakan, penyelesaian akan dilakukan berdasarkan
settlement shall be made on the basis provided for under ketentuan b) diatas.
b) above.
Penanggung juga akan membayar kembali kepada
Tertanggung atas biaya pembersihan puing yang
The Insurers shall also reimburse the Insured for the cost of mengikuti suatu peristiwa yang menimbulkan klaim
clearance of debris following upon any event giving rise to a berdasarkan Polis ini sesuai Memo 3 dengan syarat nilai
claim under this Policy in accordance with Memo 3, yang terpisah untuk itu telah dicantumkan dalam Ikhtisar.
provided a separate sum there for has been entered in the
schedule. Biaya perbaikan sementara akan ditanggung oleh
Penanggung jika perbaikan tersebut merupakan bagian
The cost of any provisional repairs shall be borne by the dari perbaikan akhir dan tidak menaikkan total biaya
Insurers if such repairs constitute part of the final repairs perbaikan.
and do not increase the total repair expenses.
Biaya setiap perubahan, penambahan dan/atau
peningkatan tidak dapat dijamin berdasarkan Polis ini.
The cost of any alterations, additions and/or improvements
shall not be recoverable under this Policy.

Memo 3 - Extension of cover Memo 3 - Perluasan Jaminan :

In consideration of the Insured having paid the additional Dengan pertimbangan bahwa Tertanggung telah
premium agreed upon with the Insurers, indemnification membayar tambahan premi yang telah disetujui dengan
Page 8
CIVIL ENGINEERING COMPLETED RISKS INSURANCE POLICY

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
Telp. 021 3919988 (Hunting), Faks. 021 3912288 Email. asuransi@jasindosyariah.co.id
www.jasindosyariah.co.id
 for loss or damage otherwise covered under this Policy Penanggung, penggantian kerugian atau kerusakan selain
shall be extended to include the cost of clearance of debris daripada yang dijamin berdasarkan Polis ini diperluas
forming part of the Insured items including the cost of dengan memasukkan biaya pembersihan puing yang
removal or demolition of any portion of the insured items merupakan bagian dari barang-barang yang
no longer useful for the purpose for which it was intended, dipertanggungkan termasuk biaya pemindahan atau
but only if a valid law or ordinance requires the Insured to pembongkaran dari setiap bagian barang-barang yang
effect such removal or demolition and only up to an dipertanggungkan yang tidak berguna lagi, untuk maksud
amount not exceeding in any one event the limit of mana hal itu ditujukannya, tetapi hanya jika suatu hokum
indemnity specified therefor in the schedule. atau peraturan mengharuskan Tertanggung untuk
mengadakan pemindahan atau penghancuran dan hanya
sampai dengan suatu jumlah yang tidak melebihi batas
tanggung jawab yang ditetapkan dalam Ikhtisar untuk
setiap peristiwa.

-------------------------------------------------------------
Terjemahan ini merupakan terjemahan dari dokumen
berbahasa Inggris.
Jika terdapat perbedaan penafsiran dalam versi Bahasa
Indonesia ini, maka versi Bahasa Inggris yang akan dijadikan
sebagai acuan.

Page 9
CIVIL ENGINEERING COMPLETED RISKS INSURANCE POLICY

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
Telp. 021 3919988 (Hunting), Faks. 021 3912288 Email. asuransi@jasindosyariah.co.id
www.jasindosyariah.co.id
 BANKER’S CLAUSE

It is noted and agreed that the property insured by this Policy has been mortgaged with

PT. BANK JATENG SYARIAH

and that in consequence thereof, it has been agreed with the said mortgagee and the Insured, that in case of loss, 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 mortgagee without prejudiced 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
property insured under this Policy

APPRAISEMENT CLAUSE
If the aggregate claim for any one loss, destruction or damage does not exceed 10% of the total sum insured by
the item or items affected (whichever maybe the less) no special inventory or appraisement of the undamaged
property shall be required.
If two or more buildings be included in a single item, this provision shall apply to the range of buildings insured by
this item.
For the purpose of this clause, the term "item" shall be held to apply to the total sum insured on buildings and/or
contents by the item affected.

AVERAGE RELIEF CLAUSE

Each item insured under this memorandum is declared to be separately subject to the following condition of the
average:
If at the time of reinstatement the sum representing 85% (eighty percent) of the cost which would have been
incurred in reinstatement if the whole of the property covered by such item had been destroyed exceeds the sum
insured hereon at the breaking out of fire or at the commencement of any destruction or damage to such property
by any other peril hereby insured against then the insured shall be insured considered as being his own insurer for
the difference between the sum insured representing the cost of reinstatement of the whole of the property and shall
bear a rate able proportion of the loss accordingly

AUTOMATIC REINSTATEMENT OF SUM INSURED CLAUSE (Subject to additional premium)

In the event of loss or damage to the Property Insured under this policy for which liability is admitted and payment
made the insurance hereunder shall notwithstanding be maintained in force for the remainder of the Period of
Insurance at the Total Sum Insured as stated in the Schedule for section I subject to the Insured undertaking to pay
an additional premium calculated at the Policy Rate on the amount of the loss pro rata from the date of such loss to
expire date of the Period of Insurance.

ARCHITECTS’, SURVEYORS’ AND ENGINEERS’ EXPENSES

It is hereby noted and agreed as follows:
a) The insurance of each item on Buildings or Contents includes an amount in respect of Architects’ Surveyors’
Legal, and Consulting Engineers’ Fees not exceeding those provided under the scales of the various
institutions and/or bodies regulating such fees prevailing at the time of the destruction or damage and not
exceeding 5% of claim.
b) The insurance on Fees applies only to those necessarily and reasonably incurred in the reinstatement or
repair of Property Insured consequent upon its destruction or damage but not for preparing any claim, it is
being understood that the amount payable under the item shall not exceed in total its sum insured.

BULGLARY AND THEFT ENDORSEMENT (Limit of liability IDR 2,000,000,000)

It is noted and agreed that notwithstanding anything to the contrary contained in this Policy, the Insurer agrees to
indemnify the Insured against:

(a) Loss of or damaged to the property insured (belonging to the Insured or to any members of his family
permanently resident with him) by Theft or any attempt thereat.
(b) Loss or damaged to the Premises by such Theft or any attempt thereat.

Special Conditions:
(a) This endorsement shall apply only for Theft happening during the period of insurece and within the Premises.
(b) The Insured shall take all reasonable precautions for safety of the property insured and shall use and maintain
all the protections provided.

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Telp. 021 3919988 (Hunting), Faks. 021 3912288 Email. asuransi@jasindosyariah.co.id
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 IMPACT BY VEHICLE ITS CONTENTS (Including heavy equipment)
It is noted and agreed that the cover relating to impact of vehicles shall include heavy equipment vehicles.
INTERNAL REMOVAL CLAUSE
It is understood and agreed that in the event that the removal of the property from one building to another at any of
the aforesaid premises is inadvertently not advised to the company, the insurance on such property remain in force
the necessary adjustment in sum insured and premium will be made as from the date of removal as soon as
oversight is discovered

LOSS NOTIFICATION CLAUSE

Notwithstanding anything contained herein to the contrary it is agreed that this insurance will not be prejudiced by
any inadvertent delays, errors or omissions in notifying the Company of any circumstances or events giving rise or
likely to give rise to a claim under this Policy. Provided the Company is notified within fourty (14) days from the date
of such events/ circumstances.

MINOR ALTERATIONS & REPAIR CLAUSE

Minor alterations, additions and repairs to building, plant fixtures and fittings, and machinery (exclusive of any
Sprinkler Installations) and minor works in progress are allowed and the insurance by this Policy shall not be
prejudiced by this.

MISDESCRIPTION CLAUSE
It is noted and agreed that this insurance shall not be prejudiced by any inadvertent or mis-description of occupancy
provided the insured shall notify the insurers within 7 (seven) calendar days become aware and to pay additional
premium if required from the date of the inception of the inadvertent or mis-description of accupancy.

NOMINATED ADJUSTER CLAUSE

In the event of any claim under Policy the following adjuster will be appointed:

(a) PT. Satria Dharma Pusaka Crawford

(b) PT. McLaren Indonesia
(c) PT. Prima AdjusterindoMandiri
(d) PT. Cunninham Lindsey Indonesia
(e) PT. Kuadra Inti Adjuster
(f) PT. SaptaPirsaMandiri,
(g) PT. Multipilar Jasa Pirsanusa, or
(h) Any other adjuster as mutually agreed by the Insurers as the Insured.

PAYMENT ON ACCOUNT
It is hereby declared and agreed that progress payment on account of any loss recoverable under this Policy may be
made to the Insured at such intervals as may be mutually agreed upon if desired by the Insured and on production
of an interim report by the Loss Adjuster (if appointed) provided that such payments shall be deducted from the
finally agreed claim settlement figures (25% of claim estimation as stated on the loss adjuster’s interim report)

PROFESSIONAL FEES CLAUSE

It is noted and agreed that this insurance is extended to include Architects' Surveyors' and Consultant Engineering'
legal and other fees necessarily incurred in the reinstatement of the property insured consequent upon its destruction
or damage by any perils hereby insured against (but not any fees for the preparation of a claim or estimate of loss).

PRORATA RETURN PREMIUM CLAUSE (Subject to no claim)

Notwithstanding anything contained to the contrary,cancellation of any Policy under this Master Policy and/or the
cancellation of the Master Policy, return premium, if any shall be subject to prorata premium calculation basis.

PUBLIC AUTHORITIES CLAUSE

The insurance by this Policy extends to include such additional cost of reinstatement of the destroyed or damaged
property thereby insured as may be incurred solely by reason of the necessity to comply with Building or other
Regulations under or framed in pursuance of any Government Act or Bye-Law of any Municipal or Local Authority
provided that:
1. the amount recoverable under this Extension shall not include:
a. the cost incurred in complying with any of the aforesaid Regulations or Bye-Laws
I. In respect of destruction or damage occurring prior to the granting of this Extension;
II. In respect of destruction or damage not insured by the Policy;
III. Under which notice has been served upon the Insured prior to the happening of the destruction or

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
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 1

damage;
IV. In respect of undamaged property or undamaged portions of property.
b. the additional cost that would have been required to make good the property damaged or destroyed to a
condition equal to its condition when new had the necessity to comply with any of the aforesaid Regulations
or Bye-Laws not arisen.
c. the amount of any rate, tax, duty, development or other charge or assessment, arising out of capital
appreciation which may be payable in respect of the property or by the owner thereof by reason of
compliance with any of the aforesaid Regulations or Bye-Laws.
2. The work of reinstatement must be commenced and carried out with reasonable despatch and in any case must
be completed within twelve months after the destruction or damage or within such further time as the Insurer
may (during the said twelve months) in writing allow and may be carried out wholly or partially upon another
site (if the aforesaid Regulations or Bye-Laws so necessitate) subject to the liability of the Insurer under this
Extension not being thereby increased.

3. If the liability of the Insurer under (any item of) the Policy apart from this Extension shall be reduced by the
application of any of the terms and conditions of the Policy then the Liability of the Insurer under this Extension
(in respect of any such item) shall be reduced in like proportion.
4. The total amount recoverable under any item of the Policy shall not exceed the sum insured thereby.
5. All the conditions of the Policy except insofar as they may be hereby expressly varied shall apply as if they had
been incorporated herein.

RIOT, STRIKES, MALICIOUS DAMAGE AND

CIVIL COMMOTIONS ENDORSEMENT
(Code : 4.1B / 2007)

This Endorsement is attached to and forms an integral part of :

Policy Number. : 426.483.110.19.00001/000/000

Insured’s Name : PT Bandar Udara Internasional Jawa Barat QQ PT. Bank Pembangunan Daerah Jawa
Tengah Syariah

It is hereby agreed and declared that:

a) notwithstanding anything contained in CHAPTER II - EXCLUSIONS, Item 1.2.1. of this Policy to the contrary and
subject to payment of additional premium, the Insurer agrees to extend this insurance as provided in this
Endorsement.
b) notwithstanding anything which may be defined in any laws or regulations to the contrary, for the purpose of
this Endorsement, all terminology printed in italics shall be deemed to mean as defined in CHAPTER III –
DEFINITIONS of the Policy and in the MEMORANDUM of this Endorsement.

1. EXTENSIONS
This insurance is extended to cover :
- Physical damage to the property and/or interest insured directly caused by one or more of the following
perils:
1. Riots
2. Strikes
3. Locked-out Workers
4. Malicious Acts
5. Civil Commotions
6. Preventive Acts related to perils 1.1 up to and including 1.5.
- Physical loss of the property and/or interest insured directly caused by:
1.7. Looting occurring during Riots or Civil Commotions

provided that any of these perils does not develop in an uninterrupted chain of events into one or more of the
excluded perils.

2. EXCLUSIONS
This extension does not cover all physical loss of or damage to the property and/or interest insured including loss
or damage by fire directly or indirectly caused by or contributed to or arising from or in consequence of

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 2

2.1. one or more of the following perils:

Insurrection/Popular Rising, Usurped Power, Revolution, Rebellion, Military Power, Invasion, Civil War, War
and Hostilities, Subversive Acts, Terrorism, Sabotage or Looting (except Looting occurring during Riots or
Civil Commotions).
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 under this Section, the burden of proof that such
loss or damage is covered shall be on the Insured.
2.2. Total or partial cessation of works, or retarding or interruption or cessation of any process or operation.
2.3. Permanent or temporary dispossession resulting from confiscation, commandeering or requisition by any
lawfully constituted authority or body, or unlawful occupation by any person.
2.4. Business interruption, or any kind of consequential loss.

3. DEDUCTIBLES
3.1. For loss or damage arising from Item 1.1. Riots upto Item 1.4. Malicious Acts and Item 1.7. Looting
occurring during Riots, including Preventive Acts thereof as specified in this Endorsement, the insured shall
bear 10% (ten per cent) of the adjusted loss, subject to minimum of Rp. 10,000,000.00 (ten million
Rupiah) for each claimpayable under this Endorsement.
3.2. For loss or damage arising from Item 1.5. Civil Commotionsand Item 1.7. Looting occurring during Civil
Commotions, including Preventive Acts thereof as specified in this Endorsement, the insured shall bear
10% (ten per cent) of the adjusted loss, subject to minimum of Rp. 10,000,000.00 (ten million Rupiah) for
each claimpayable under this Endorsement.

4. CANCELLATION
This Endorsement 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 Endorsement 3 (three) x 24 (twenty four) hours 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.

5. MEMORANDUM
For the purpose of this Endorsement,
5.1. Item 1 CHAPTER III – DEFINITIONS of this policy is deleted and replaced with the following :
1. Riots is an act of a group of at least 12 (twelve) persons, who in the execution of their common
purpose cause public disturbance tumultuously with violence and damage to the property of others,
not amounting to Civil Commotions or not appertaining to the act of Terrorism
5.2. Item 2 CHAPTER III – DEFINITIONS of this policy is deleted and replaced with the following :
2. Strikes is a deliberate act of damage, by a group of workers of at least 12 (twelve) persons or one
half of the entire workforce (if the total number of workforce is less than 24 persons), refusing to work
as usual in an attempt to force the employer to accept their demands or to protest against any terms
of employment enforced by the employer provided that such act is not appertaining to the act
of Terrorism
5.3. Item 3 CHAPTER III – DEFINITIONS of this policy is deleted and replaced with the following :
3. Locked-out Workers is a deliberate act of damage, by a group of workers of at least 12 (twelve)
persons or one half of the entire workforce (if the total number of workforce is less than twenty-four
persons), to protest against the termination or suspension of a fellow employee by the employer
provided that such act is not appertaining to the act of Terrorism
5.4. Item 4 CHAPTER III – DEFINITIONS of this policy is deleted and replaced with the following :
4. Malicious Acts is an act of any person(s) deliberately causing damage to the property of others
driven by vengeance, hatred , anger or vandalistic, except such acts done by the employee(s)
of the Insured, or any person(s) on behalf of the Insured, or by person(s) entrusted by the Insured to
maintain or keep such property, or by thieves/robbers/looters provided that such act is not
appertaining to the act of Terrorism
5.5. Item 6 CHAPTER III – DEFINITIONS of this policy is deleted and replaced with the following :
6. Civil Commotions is an act of a large number of people acting together disrupting public peace and
disturbance tumultuously with violence and a chain of destruction of a large number of properties,
indicated by the cessation of more than one half of the normal activity of commercial/shopping or

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
Telp. 021 3919988 (Hunting), Faks. 021 3912288 Email. asuransi@jasindosyariah.co.id
www.jasindosyariah.co.id
 business areas or schools or public transportation in one city for at least 24 (twenty-four ) hours
consecutively commencing immediately before, during or after the event provided that such act is
not appertaining to the act of Terrorism
5.6. Item 18 CHAPTER III – DEFINITIONS of this policy is deleted and replaced with the following :
18. Looting is the appropriation of property belonging to another by any person (excluding those
employed by or under the control of the Insured), with the intention of permanently depriving that
other of it.

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).

REMOVAL OF DEBRIS (max 10% of Total Sum Insured)

On First Loss Basis
The Insurance under this heading is not subject to the Average Clause.
In consideration of the payment of an additional premium this policy extends to indemnify the Insured in respect of.
The Cost of removal of debris, demolition and any temporary repairs necessary (including the Insured's legal liability
for the costs of the removal of debris, demolition, and temporary repairs and regard to adjoining premises, roadways
or waterways, as well as on the site), consequent upon the destruction of or damage to any property, insured by
insured's Fire Policy (or Policies) occasioned by fire or any other peril thereby insured against.
Provided always:
 That such cost is not recoverable under any other Policy of Insurance;
 That the indemnity afforded by this insurance shall not apply to or include liability assumed by the insured under
agreement entered into after the commencing date of this insurance unless such liability would have attached
to the insured in the absence of such agreement.

REINSTATEMENT VALUE CLAUSE

It is hereby declared and agreed that in the event of the property insured being destroyed or damaged the basis
upon which the amount payable under the Policy is to be calculated shall be the cost of replacing or reinstating on
the same site property of the same kind or type but not superior to or more extensive than the insured property
when new, subject to the following Special Provisions and subject also to the terms and conditions of the Policy
except insofar as the same may be varied hereby.

Special Provisions
(i) The work of replacement or reinstatement (which may be carried out upon another site and in manner suitable
to the requirements of the Insured subject to the liability of Insurer not being thereby increased) must be
commenced and carried out with reasonable despatch and in any case must be completed within 12 months
after the destruction or damage or within such further time as the Insurer may (during the said 12 months) in
writing allow otherwise no payment beyond the amount which would have been payable under the Policy if this
memorandum had not been incorporated therein shall be made.
(ii) Until expenditure has been incurred by the Insured in replacing or reinstating the property destroyed or
damaged the Insurer shall not be liable for any payment in excess of the amount which would have been
payable under the Policy if this memorandum had not been incorporated therein.
(iii) If at the time of replacement or reinstatement the sum representing the cost which would have been incurred
in replacement or reinstatement if the whole of the property covered had been destroyed exceeds the sum
insured thereon at the breaking out of any fire or at the commencement of any destruction of or damage to
such property by any other peril insured against by this Policy then the Insured shall be considered as being
his own Insurer for the excess and shall bear a rateable proportion of the loss accordingly. Each item of the
Policy (if more than one) to which this memorandum applies shall be separately subject to the foregoing
provision.
(iv) No payment beyond the amount which would have been payable under the Policy if this memorandum had not
been incorporated therein shall be made if at the time of any destruction or damage to any property insured
hereunder such property shall be covered by any other insurance effected by or on behalf of the Insured
which is not upon the identical basis of reinstatement set forth herein.
(v) This memorandum shall be without force or effect if:

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
Telp. 021 3919988 (Hunting), Faks. 021 3912288 Email. asuransi@jasindosyariah.co.id
www.jasindosyariah.co.id
 a. The Insured fails to intimate to the Insurer within 6 months from the date of destruction or damage or such
further time as the Insurer may in writing allow his intention to replace or reinstate the property destroyed
or damaged.
b. The Insured is unable or unwilling to replace or reinstate the property destroyed or damaged on the same
or another site.

STRUCTURAL ALTERATION CLAUSE

Subject to Conditions of the Policy, it is hereby understood that structural alteration and extension of the buildings
mentioned in this Policy is allowed, as are the erection of new buildings, installation, reinstallation, replacement of
machines, tools, implements, piping or other installations required for the process carried on, parts of installations
and objects as well as to move all these within the premises.

In the case of removal or demolition of an insured object this Insurance will cover the new items substituting the
removed or demolished objects up to the original amount insured.

TEMPORARY REMOVAL CLAUSE

It is hereby declared and agreed that the property insured by this Policy (other than stock in trade or merchandise) is
covered in respect of the perils hereby insured against, whilst temporary removed for cleaning, renovation, repair, or
other similar purposes elsewhere on the same premises or any other premises in the Republic of Indonesia excluding
Aceh, Maluku and Papua and in transit thereto and therefrom by road, rail or inland waterway.

Provided always that:

The amount recoverable under this Extension in respect of each item of this Policy shall not exceed the amount
which would have been recoverable had the loss occurred in that part of the premises from which the property is
temporarily removed nor, in respect of any loss occurring elsewhere than at the said premises, 10 % of the Sum
Insured by this Policy after deducting therefrom the value of any building (exclusive of fixtures and fittings), stock in
trade or merchandise hereby insured.

This extension does not apply to property if and so far as it is otherwise insured.

As regards to losses occurring elsewhere than at the premises from which the property is temporarily removed this
extension does not apply to:
- motor vehicles and motor chassis licensed for normal road use,
- property held by the Insured in trust, other than machinery and plant.

This clause is subject otherwise to all the terms and conditions of the Policy to which it is attached.

VEHICLE LOAD CLAUSE

In the event of the Insured's Property being left loaded in the vehicles or freight containers overnight while in, on or
about the premises hereby insured the Company will indemnify the Insured for the loss of or damage to such
Property caused by fire or any other perils insured hereby, providing always that the Company's Liability shall not
exceed the Sum Insured of such Property under the Policy.

WAIVER OF SUBROGATION
In the event of a claim under this policy, it is agreed that the insured waives all rights, remedies of relief which it
might become entitled subrogation against PT Bandar Udara Internasional Jawa Barat QQ PT. Bank Pembangunan
Daerah Jawa Tengah Syariah.

WORKMEN CLAUSE
Workman may be employed effecting repairs, decorating and minor structure alterations in all or any of the buildings
within described without prejudice to the insurance hereby.

72 HOURS TIME ADJUSTMENT CLAUSE (for EQVET)

It is agreed that any loss of or damage to the Insured Property described in the schedule arising during any one
period of 72 consecutive hours, caused by storm, tempest, flood and earthquake shall be deemed as a single event
and therefore to constitute one occurrence with regard to the excesses provided for herein. For the purpose of the
foregoing the commencement of any such 72 hour period shall be decided at the discretion of the Insured providing
that there shall be no overlapping in any two or more 72 hour periods in the event of damage occurring over an
extended period of time.

PT ASURANSI JASINDO SYARIAH : Graha MR 21 Lantai 10, Jl. Menteng Raya No. 21 Jakarta Pusat 10340
Telp. 021 3919988 (Hunting), Faks. 021 3912288 Email. asuransi@jasindosyariah.co.id
www.jasindosyariah.co.id