Fire Insurance - Astra Insurance Indonesian Company

Understanding from Fire Insurance

Fire Insurance guarantee loss or damage to the responsibility object in consequence of fire / burning.

Responsibility object in Fire Insurance

The underwritten object is building, with example of: house remain, and factory along with its contents be like machine the example in factory, office equipment, housewares of household.

Condition of the responsibility be available in Fire Insurance

Condition responsibility of this insurance is FLEXAS ( Fire*, Lightning, Explosion**, Aircraft***, Smoke).

What kind of risks do the guaranteed?

Risks guaranteed in this insurance quite a lot, but marginally can be classified into some big shares namely loss of effect fire itself, thunder, detonation, downfall of smoke and plane.

Is while to the risks is not guaranteed in Fire Insurance divided become 2 kinds of that is

The exempted risks, for example:

• Defect risk by itself


• War risk


• Riot risk, natural disaster, trouble of is effort and other able to be grouped become :
  - Riot, strike, effect of devilment (riot, strike and malicious damage).
  - Bumped by the vehicle (vehicle impact).
  - Riot (civil commotion), terrorism, sabotage and others.
  - Earthquake, mount eruption have fire (earthquake, volcanic eruption).
  - Floods, hurricane, storm, damage because water (flood, tempest, storm, water damage).
  - Sweeping costs (removal of debris).
  - Trouble of is effort burning effect (business interruption).


• Nuclear risk

The good and chattel exempted, for example:

• Antique goods / artistry


• The goods kept on the basis of commission / trust


• Bar gold jewel stones or / august which not yet been attached


• Copy, plan, picture or design, pattern, casting or model


• Effect, obligation, or all kinds of document, stamp, cheque, accountancy book or other effort book and note of computer system

But that way, object to the the admit of to be underwritten on the promise that object expressed expressly in policy.

The data that must be given to insure into Fire Insurance:

• Name and address the insured


• Insured properties location


• Insured properties detail (Building, Stock, Tool, Machine equipments, etc)


• Construction building materials


• Used lighting type


• The use and usage of occupation


• Building distance to be insured with vicinity building along with construction and occupation


• The closest Fire station


• Type and amount of available fire company appliances in responsibility location


• The wide responsibility guarantee

By owning the policy Fire Insurance, hence you have opportunity to be able to get protection of the addition guarantee loss / damage to the object responsibility in consequence of theft with mutilation by owning the Burglary insurance policy. Click here for information concerning Burglary insurance.

* Burning definition in insurance is in general is something that really burnt the shouldn't burnt and proved with existence of flame manifestly, happened not intentionally, sudden and also generate loss or accident. Elements that must be in burning:

• Flame there must be real or manifestly.


• Burning is as far as which hitting the the insured have to come from the things sudden.


• Something that there must be burnt the shouldn't burnt.

** Detonation definition is energy release suddenly which because of flower of gas or vapor or burst it a canister (steaming kettle, pipe, etc) can be assumed the explosion if that canister wall tear open in such a manner so that happened pressure balance suddenly in and outside canister.

*** Physical collision between planes with properties and or underwritten importance or with the building comprise the properties and or underwritten importance.