Asuransi Wahana Tata Fire Insurance (Asuransi kebakaran) is the right choice when you need protection for your assets in the form of buildings and its contents, against any accidents that can occur suddenly and unexpectedly.
- Lightning strikes.
- Explosion due to pressure of steam, gas or chemical explosions.
- Impact of Aircraft or objects falling from aircraft.
Sum Insured is the value of the property that you are insured, and you are entitled to fully determine the amount.
How to determine the Sum Insured
- The calculation of sound insured value is the "present value" of the insured property, not the market value relating to the location, uniqueness or artistic value. The value of land is not calculated to determine the sum insured of a property.
- Propose a Sum Insured as close as possible to the "sound value" of the property you want insured. If the Sum Insured is less than "sound value" you are in a state of "underinsured" which would reduce the amount of the claim settlement. However, if the Sum Insured is higher, you are in a state of "overinsured" that would not increase the claim settlement amount.
- You can apply for Sum Insured on the basis of "Reinstatement Value" of the insured property by special terms and conditions. You may ask for an explanation from our officers on the conditions.
COSTS / INSURANCE PREMIUMS
Total premiums charged to you is the multiplication of:
- PREMIUM RATE X TOTAL SUM INSURED
- Fire Insurance Premium Rates in scale PER MIL (per thousand), which is determined by the area / type of risk that the desired and characteristics use of the property covered by insurance.
WHO IS ENTITLED TO INSURE
- Creditors (eg, Banks, Finance Companies / Leasing)
- Others who have the right of / authorization or a property based on contract or law (eg tenant, authority the owner)
- Asuransi Wahana Tata currently has 70 branches and representative offices throughout Indonesia which allows us to reach you faster and serve your insurance claims closer.
- Website facility that enables you to have your insurance plan at any time and any place
- Credit Card payment facility.
All of the above are general description; information in details shall be written as the terms and conditions in the policy