POLIS/ INSURANS SEMUA RISIKO ALL RISKS INSURANCE POLICY
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1 ALL RISKS INSURANCE POLICY POLIS/ INSURANS SEMUA RISIKO NOTICE: For all intents and purposes where there is a conflict or ambiguity as to the meaning in the Bahasa Malaysia provisions of any part of the Contract, ii Is hereby agreed that the English version of the Contract shall prevail. This Policy is issued in consideration of the payment of premium as specified in the Policy Schedule and pursuant to the answers given in your Proposal Form (or when you applied for this insurance) and any other disclosures made by you between the time of submission of your Proposal Form (or when you applied for this insurance) and the time this contract is entered into. The answers and any other disclosures given by you shall form part of this contract of insurance between you and Berjaya Sompo Insurance Berhad (hereinafter called "the Company''). However, in the event of any pre-contractual misrepresentation made in relation to your answers or in any disclosures given by you, only the remedies in Schedule 9 of the Financial Services Act 2013 will apply. This Policy reflects the terms and conditions of the contract of insurance as agreed between you and the Company. "You and Your'' or "The Insured" means the person(s) named on the Schedule as the insured. NOW THIS POLICY WITNESSES that if during the Period of Insurance or during any further period for which the Company may accept payment for the renewal of this Policy the Property or any part thereof shall be lost destroyed or damaged by fire theft or any other accident or misfortune while the said Property is within the Territorial Limit then the Company shall subject to the terms exceptions and conditions contained herein or endorsed hereon pay or make good to the Insured the amount of such loss destruction or damage but not exceeding in respect of any of the several items specified the Sum Insured set opposite thereto respectively nor in the whole in any one Period of Insurance the Total Sum Insured. EXCEPTIONS The Company shall not be liable to pay for loss destruction or damage: 1) where any member of the lnsured's household or business staff is concerned as principal or accessory 2) occasioned by or happening through (a) wear and tear depreciation gradual deterioration mildew moth vermin or any process of cleaning dyeing repairing restoring or renovating (b) mechanical or electrical breakdown or derangement (c) scratching or denting of any article or breakage of lenses or glass china earthenware marble gramophone records or other articles of a brittle nature unless caused by burglary thieves or fire. 3) directly or indirectly proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with any of the following occurrences, namely:- (a) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not) civil-war (ARPO/0918C) PEMBERITAHUAN: Bagi tujuan dan maksud sekiranya terdapat konfllk atau kekaburan berkenaan makna di dalam peruntukan Bahasa Malaysia tentang mana-mana bahagian Kontrak, adalah dipersetujui bahawa Kontrak versi Bahasa lnggeris akan digunakan. Polisi dikeluarkan sejajar dengan pembayaran dari premium yang ditentukan dalam Jadual Polisi dan menurut kepada kenyataan yang telah dikemukakan di dalam borang cadangan (atau semasa permohonan insurans ini) dan segala kenyataan yang telah dibuat oleh pihak anda pada atau semasa penyerahan borang cadangan (atau semasa permohonan insurans ini) dan pada masa perjanjian ini ditandatangani. Jawapan dan sebarang pemyataan lain yang anda berikan akan menjadi sebahagian daripada kontrak insurans antara anda dan Berjaya Sompo Insurance Berhad (dinamakan sebagai "Syarikat" kemudian dari ini). Waiau bagaimanapun, sekiranya terdapat sebarang salah nyata semasa pra-kontrak berhubung dengan jawapan anda atau di mana-mana pemyataan yang diberikan oleh anda, hanya remedi yang terdapat dalam Jadual 9 Akta Perkhidmatan Kewangan 2013 akan diguna pakai. Polisi ini bertindak atas terma-terma dan syarat-syarat kontrak insurans seperti yang telah dipersetujui antara anda dan pihak kami. "Anda atau Pihak Diinsuranskan" bermakna orang yang dinamakan di dalam Jadual iaitu pihak diinsuranskan. MAKA POLIS/ IN/ MEMPERSAKSIKAN bahawa jika dalam Tempoh lnsurans atau semasa mana-mana tempoh lanjutan yang Syarikat mungkin menerima bayaran bagi pembaharuan Palisi ini, jika Harta atau mana-mana bahagian daripadanya hilang musnah atau rosak oleh kebakaran kecurian atau mana-mana kema/angan lain atau kece/akaan semasa Harta tersebut dalam Had Wilayah maka Syarikat hendaklah tertakluk kepada terma pengecualian dan syarat yang terkandung dalam perjanjian ini atau yang diendorskan dalam dokumen ini membayar atau menggantikan Pihak Diinsuranskan amaun kerugian kemusnahan atau kerosakan tetapi tidak me/ebihi berkenaan mana-mana daripada beberapa butiran yang ditetapkan Jumlah Diinsuranskan yang dinyatakan berlawanan dengannya masing-masing dan juga tidak me/ebihi dalam mana-mana Tempoh lnsurans Kese/uruhan Jumlah Diinsuranskan. PENG EC UAL/AN Syarikat tidak bertanggungjawab untuk membayar kerugian kemusnahan atau kerosakan: 1) apabila mana-mana ahli ke/uarga Pihak Diinsuranskan atau pekerja perniagaan adalah sebagai prinsipal atau peserta 2) berlaku atau terjadi melalui (a) haus dan lusuh susut nilai kerosakan beransur kulapuk kupukupu kutu atau mana-mana proses mencuci mewarna membaiki menyimpan atau mengubahsuai (b) sa/ab susunatur atau kerosakan mekanikal atau elektrik (c) calaran atau kemek mana-mana barang atau lensa atau kaca parse/in barang tembikar marmar piring hitam yang pecah atau barang lain yang bersifat rapuh melainkan disebabkan oleh pecah masuk pencuri atau kebakaran. 3) secara /angsung atau tidak langsung secara hampir atau jauh berlaku disebabkan oleh disumbangkan kepada oleh atau boleh dikesan kepada atau timbul daripada atau berkaitan dengan manamana kejadian berikut, seperti:- (a) peperangan, serangan, tindakan musuh asing, permusuhan (sama ada peperangan diisytiharkan atau tidak diisytiharkan) peperangan sivil.
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18 THE FOLLOWING ClAUSES / ENDORSEMENTS / WARRANTY / MEMORANDUM ARE NOT APPLICABLE UNLESS SPECIACAl.l Y DECLARED THERETO IN THE SCHEDULE AND/OR BY ENDORSEMENTS TEMPORARY STORAGE CLAUSE The property (excluding buildings) insured under this policy is covered whilst temporarily stored anywhere in Malaysia and Singapore PROVIDED that:- (a) (b) (c) the period of temporary storage shall not exceed sixty (60) days. the liability of the Company is limited to 10% of the total Sum Insured or RMS00, whichever is the lower for property covered under this clause. the Company shall not be liable for any loss or damage to the property whilst in transit (including the processes of loading and unloading incidental to such transit). (d) this insurance does not apply to property in so far as it is otherwise insured nor does it apply to motor vehicles and motor chassis licensed for road use or being used on a road as defined in the Road Transport Act 1987 (including accessories thereon). Subject otherwise to the terms, conditions and exceptions of this policy. FASAL-FASAL PENGENDORSAN-PENGENDORSAN/WARANTI/MEMORANOUM BERIKUT TIDAK OITERIMA PAKAI MELAINKAN 0/ISYTIHARKAN SECARA KHUSUS OALAM JAOUAL OAN/ATAU OLEH PENGENOON. FASAL PENYIMPANAN SEMENTARA Harta (tidak termasuk bangunan) yang diinsuranskan di bawah polisi ini adalah dilindungi semasa disimpan sementara di mana-mana dalam Malaysia dan Singapura DENGAN SYARAT bahawa :- (a) tempoh penyimpanan sementara tidak melebihi enam pu/uh (60) hari. (b) (c) liabiliti Syarikat dihadkan kepada 10% daripada keseluruhan Jumlah Diinsuranskan atau RM500, yang mana /ebih rendah bagi harta yang dilindungi di bawah tasal ini. Syarikat tidak bertanggungjawab bagi apa-apa kerugian atau kerosakan semasa dalam transit (termasuk proses memuat dan memunggah yang berkenaan dengan transit sedemikian). (d) lnsurans ini tidak dikenakan kepada harta setakat mana ia diinsuranskan sebaliknya juga tidak dikenakan kepada kenderaan bermotor dan cesi motor yang diberi /esen untuk penggunaan ja/an raya atau digunakan di atas jalan raya seperti yang ditakrifkan dalam Akta Pengangkutan Jafan 1987 (termasuk aksesori padanya). Se/ainnya tertak/uk kepada terma, syarat dan pengecualian polisi ini. IMPORTANT The Life Insured shall read this Policy carefully, abd if any error or misdescription be found herein, or if the cover is not in accordance with the wishes of the Insured, advice should at once be given to the Company and the Policy returned for alteration. PENT/NG Pihak Diinsuranskan hendaklah membaca Palisi ini dengan berhati-hati dan jika terdapat apa-apa kesilapan atau salah gambaran dalam perjanjian ini, atau jika perlindungan tidak diberikan mengikut kehendak Pihak Diinsuranskan, makluman hendaklah diberikan dengan secepat mungkin kepada pihak Syarikat dan Palisi ini dikembalikan untuk pindaan.
This Policy reflects the terms and conditions of the contract of insurance as agreed between you and the Company.
(62605-U) This Policy is issued in consideration of the payment of premium as specified in the Policy Schedule and pursuant to the answers given in your Proposal Form (or when you applied for this insurance)
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