Anda underwriter Fire/Property tentu akrab dengan salah satu klausula yang dinamakan “All Other Contents Clause”. Dalam penawaran-penawaran asuransi PAR (Property All Risk) ataupun polis yang sudah jadi akan sering dijumpai klausula ini. Namun jika kita selidiki lebih teliti, “All Other Contents Clause” ini bisa jadi akan menimbulkan “double content” dengan “First Loss Insurance” yang terdapat dalam “Special Condition to Section I”.

“Special Condition to Section I” sendiri dalam Wording Munich-Re memuat 4 (empat) hal yaitu : (1) Sum Insured, (2) Basis of Loss Settlement, (3) First Loss Insurance, dan (4) Capital Additions. Yang akan dibahas dalam tulisan ini adalah First Loss Insurance dan hubungannya dengan “All Other Contents Clause”.

Isi dari ketentuan “First Loss Insurance” dalam Wording Munich-Re adalah sebagai berikut  :

The   items  mentioned  hereinafter  are   covered   on    a   First   Loss  Basis, subject to amounts per item entered in the Schedule  :

-Money and stamps.

-Employees pedal cycles and other personal effects.

-Documents, manuscripts and business Books :  only  the  value of materials as  stationery together  with   the   cost  of  clerical  labour expended in writing up and  not   the value of the information to the Insured.

-Computer  systems  records : the  value of materials together with the cost of clerical labour and computer  time  expended  in reproducing   such   records (excluding   any   expense  in connection with   the   production  of  information  to  be  recorded therein),  but  not for the value of the information contained  therein  to the Insured.

-Patterns, models, moulds,  plans and designs  :  an amount not exceeding the cost of the labour  and   materials expended in reinstatement.

Sedangkan isi dari “All Other Contents Clause” adalah seperti berikut  :

It is noted and agreed that this Policy extends to include :

a.  Money and stamps not otherwise specifically insured for an amount not exceeding in the aggregate IDR  10,000,000.

b. Documents, manuscripts and business books but only for the value of the materials as stationery, together with the cost of clerical labour expended in writing up, and not for the value to the insured of the information contained therein and for an amount not exceeding in the aggregate IDR 10,000,000.

c.  Computer system records but only for the value of the materials together with the cost of clerical labour and computer time expended in reproducing such records (excluding any expenses in connection with the production of information to be recorded therein) and not for the value to the insured of the information contained therein for an amount not exceeding in the aggregate IDR 10,000,000.

d.  Patterns, moulds, models, plans and designs, for an amount not exceeding in the aggregate IDR 10,000,000.

e.  Employees pedal cycles, clothing, tools and other personal effects for an amount not exceeding IDR 500,000 in respect of any one employee.

Beberapa penanggung mungkin akan langsung menuliskan berapa rupiah limit “first loss” masing-masing item pada ketentuan “First Loss Insurance”, misalnya  :

§ Money and stamps (IDR 10,000,000.00)

§ Employees pedal cycles and other personal effects (IDR 5,000,000.00)

§ Documents, manuscriptsand business books (IDR 10,000,000.00)

§ Computer systems records (IDR 10,000,000.00)

§ Pattern, models, moulds, plans and designs (IDR 10,000,000.00)

Jika Anda sudah menetapkan limit pertanggungan per itemnya pada bagian “First Loss Insurance” (meskipun dalam wording Munich-Re Standard tidak dituliskan di situ) dan pada saat yang sama Anda akan melekatkan “All Other Contents Clause” pada bagian “Additional Clauses” maka perlu diperhatikan agar nilai limitnya dibuat sama. Jika terdapat perbedaan limit diantara keduanya dikhawatirkan akan terjadi dispute antara Tertanggung dan Penanggung terhadap aturan mana yang akan dipakai.