All Risk - Mobile Equipment / Machinery in Chinese


All risks (Please read this product disclosure form before deciding to take an insurance policy for all risks
.) Be sure to also read the conditions set out in the General Terms and Conditions).

1。 What is this product?
This policy provides for you on an "all-risk" basis for your non-moving machinery or equipment to report you against fire, theft and/or other accidents or misfortunes, unless in particular the policy and indicates the proper custody and/or territorial use of the machine or equipment excluded.

2。 What is coverage/benefit provision?
This policy covers loss or damage to your computer or equipment due to:
  • Fire and/or lightning
  • Means or unfortunate accidents
  • steal
The coverage period is one year. You will need to renew your insurance policy once.

3。 How much premium do I have to pay?
Total premium, you must pay possible due to the sum insured, risk exposure and
the company's coverage requirements:
 & #x100076; Sum insured: RM__________
􀁶 Applicable Interest Rate: __________% of the
estimated total premium, which you must pay is: RM___________

4。 What is a charge and I have to pay?
For the charges, you will have to pay as follows:
 Product Type Number Service
 Tax 5 Premium (% if applicable)
 stamp duty
 Commission paid to the insurance agent (if any) a 25% premium5

. What are the main terms and conditions and some should I be aware of?
Key terms and conditions you should know are:
 􀁶 Duty of Disclosure – You must be full and faithful to all facts in your application form, otherwise your policy
 may be invalid.
  • Changes in Risk - You must inform the Company of any material changes in the Policy in writing or on your behalf in order to make necessary amendments to support your Policy.
  • 􀁶 Insurance Liability - You shall keep the machinery or equipment in valid condition and take all reasonable steps to prevent loss or damage and/or theft.
  • You must ensure that your machinery or equipment is insured at the appropriate amount, both in:
1) Market value based - we will pay the amount of the full cost of repairing damaged machinery or equipment with less wear, tear and depreciation.
b) Value basis of replacement - we will restore, repair or replace lost or damaged machinery or equipment without any provisions subject to deduction of wear, tear or depreciation, whether the sum insured is sufficient to cover the total cost of replacing the machine or equipment
.
  • Underinsurance - You must ensure that there is sufficient sum insured, otherwise, the general situation will apply according to the insurance at the time of loss. You will be considered self-insured against differences.
  • Overdose - is the amount of loss that you have to bear for the claim event.

6。 What are the significant exclusions under this policy?
This policy does not cover certain losses such as:
 i) or caused by
loss or damage
  • Wear, depreciation, gradual deterioration, mildew, moth pest or any connection with any process washing, dyeing, repairing, restoring or repairing the insured property.
  • Electrical mechanical defects or disorders or broken watches, clocks, musical instruments, wireless sleeves, record players, cameras, sports equipment, etc
  • Damage to suitcases, bags, boxes, containers other than total damage
  • Scratches or dents of any items cracked and/or glass, porcelain, earthenware, marble and/or other items of a brittle nature, except by thieves, thieves and causes/or fire
  • Earthquakes, volcanic eruptions, wars, invasions, strikes, riots, civil unrest
theft or burglary􀁶 If the property is located in the vacant building at the time of more than 60 insurance days in any year, either at the same time or in the entirety, unless approved
in writing by the company in a paid land price

two) lost or damaged in the outbuilding of the property, furniture store, unless the depositor or policyholder has a specific policy

c) Theft of property left behind
  • 无人居住，或可转换车或旅游
  • 其他空置的车辆，除非所有车窗，车门，行李箱或启动，车顶和挡风玻璃都 完全关闭并上锁。

（注：此名单是不完整。请参阅根据这一政策，为政策的排除名单的合同。）

7。我可以取消我的政策，如何取消它？
你可以随时取消你的政策，以书面通知本公司在这种情况下，我们将保留
习惯的政策在短期内生效率。一旦取消，您可享有
退还保费受最低保费是由公司保留。没有将保费退还
如果有一个可以根据政策要求..

8。我需要什么做，如果有我的联系方式有所改变？
重要的是你告知任何你的联系方式改变着我们。这是为了确保所有
信件将达到及时你。

9。我在哪里可以得到更多的信息？
如果您需要了解我们的一切险保险或保险产品的任何其他类型的附加信息，你可以直接联系我们或我们的分支机构或您的保险代理人在任何你方便。另外，您可以访问我们的网站在www.simonpoonagency.net
如果您有任何疑问，请联系我们：

天安保险Kurnia Insurans（马来西亚）有限公司

    48-A, Jalan Hujan Rahmat Dua,                                          Click for MAP
    Taman OUG 58200 Kuala Lumpur, W.P.
    H/P: 016-234 8808 Tel/Fax: 603 7785 3699
    simon@simonpoonagency.net
 Kurnia Insurans (Malaysia) Berhad
No. 9, Jalan PJS 8/9
46150 Petaling Jaya
Toll Free: 1-800-886-333
Fax : 03-7875 9933



10。其他类型的一般保险覆盖可用：
其他类型的一般保险覆盖可用如下：
  • 爆窃
  • 理财保险
  • 机械及设备
  • 设备一切险保险
  • 平板玻璃保险

Important:
 You must ensure that your property is insured at the appropriate amount. You should read and understand the insurance policy and discuss the agent or contact the insurance company directly for more information.

Revised January 4, 2010

All risks (Please read this product disclosure form before deciding to take an insurance policy for all risks
.) Be sure to also read the conditions set out in the General Terms and Conditions).

1。 What is this product?
This policy provides for you on an "all-risk" basis for your non-moving machinery or equipment to report you against fire, theft and/or other accidents or misfortunes, unless in particular the policy and indicates the proper custody and/or territorial use of the machine or equipment excluded.

2。 What is coverage/benefit provision?
This policy covers loss or damage to your computer or equipment due to:
  • Fire and/or lightning
  • Means or unfortunate accidents
  • steal
The coverage period is one year. You will need to renew your insurance policy once.

3。 How much premium do I have to pay?
Total premium, you must pay possible due to the sum insured, risk exposure and
the company's coverage requirements:
 & #x100076; Sum insured: RM__________
􀁶 Applicable Interest Rate: __________% of the
estimated total premium, which you must pay is: RM___________

4。 What is a charge and I have to pay?
For the charges, you will have to pay as follows:
 Product Type Number Service
 Tax 5 Premium (% if applicable)
 stamp duty
 Commission paid to the insurance agent (if any) a 25% premium5

. What are the main terms and conditions and some should I be aware of?
Key terms and conditions you should know are:
 􀁶 Duty of Disclosure – You must be full and faithful to all facts in your application form, otherwise your policy
 may be invalid.
  • Changes in Risk - You must inform the Company of any material changes in the Policy in writing or on your behalf in order to make necessary amendments to support your Policy.
  • 􀁶 Insurance Liability - You shall keep the machinery or equipment in valid condition and take all reasonable steps to prevent loss or damage and/or theft.
  • You must ensure that your machinery or equipment is insured at the appropriate amount, both in:
1) Market value based - we will pay the amount of the full cost of repairing damaged machinery or equipment with less wear, tear and depreciation.
b) Value basis of replacement - we will restore, repair or replace lost or damaged machinery or equipment without any provisions subject to deduction of wear, tear or depreciation, whether the sum insured is sufficient to cover the total cost of replacing the machine or equipment
.
  • Underinsurance - You must ensure that there is sufficient sum insured, otherwise, the general situation will apply according to the insurance at the time of loss. You will be considered self-insured against differences.
  • Overdose - is the amount of loss that you have to bear for the claim event.

6。 What are the significant exclusions under this policy?
This policy does not cover certain losses such as:
 i) or caused by
loss or damage
  • Wear, depreciation, gradual deterioration, mildew, moth pest or any connection with any process washing, dyeing, repairing, restoring or repairing the insured property.
  • Electrical mechanical defects or disorders or broken watches, clocks, musical instruments, wireless sleeves, record players, cameras, sports equipment, etc
  • Damage to suitcases, bags, boxes, containers other than total damage
  • Scratches or dents of any items cracked and/or glass, porcelain, earthenware, marble and/or other items of a brittle nature, except by thieves, thieves and causes/or fire
  • Earthquakes, volcanic eruptions, wars, invasions, strikes, riots, civil unrest
theft or burglary􀁶 If the property is located in the vacant building at the time of more than 60 insurance days in any year, either at the same time or in the entirety, unless approved
in writing by the company in a paid land price

two) lost or damaged in the outbuilding of the property, furniture store, unless the depositor or policyholder has a specific policy

c) Theft of property left behind
  • 无人居住，或可转换车或旅游
  • 其他空置的车辆，除非所有车窗，车门，行李箱或启动，车顶和挡风玻璃都 完全关闭并上锁。

（注：此名单是不完整。请参阅根据这一政策，为政策的排除名单的合同。）

7。我可以取消我的政策，如何取消它？
你可以随时取消你的政策，以书面通知本公司在这种情况下，我们将保留
习惯的政策在短期内生效率。一旦取消，您可享有
退还保费受最低保费是由公司保留。没有将保费退还
如果有一个可以根据政策要求..

8。我需要什么做，如果有我的联系方式有所改变？
重要的是你告知任何你的联系方式改变着我们。这是为了确保所有
信件将达到及时你。

9。我在哪里可以得到更多的信息？
如果您需要了解我们的一切险保险或保险产品的任何其他类型的附加信息，你可以直接联系我们或我们的分支机构或您的保险代理人在任何你方便。另外，您可以访问我们的网站在www.simonpoonagency.net
如果您有任何疑问，请联系我们：

天安保险Kurnia Insurans（马来西亚）有限公司

    48-A, Jalan Hujan Rahmat Dua,                                          Click for MAP
    Taman OUG 58200 Kuala Lumpur, W.P.
    H/P: 016-234 8808 Tel/Fax: 603 7785 3699
    simon@simonpoonagency.net
 Kurnia Insurans (Malaysia) Berhad
No. 9, Jalan PJS 8/9
46150 Petaling Jaya
Toll Free: 1-800-886-333
Fax : 03-7875 9933



10。其他类型的一般保险覆盖可用：
其他类型的一般保险覆盖可用如下：
  • 爆窃
  • 理财保险
  • 机械及设备
  • 设备一切险保险
  • 平板玻璃保险

重要提示：
您必须确保您的财产在适当的保险金额。你应该阅读和理解保险单和商讨代理人或联系方式保险公司直接的更多信息。

经修订的2010年1月4日

ALL RISKS INSURANCE ‎(INSURANS SEMUA RISIKO)‎


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