Fire Insurance Policy is designed to provide indemnity to the Insured in the event of loss or damage to the Property Insured by Fire or Named Peril as specified in the Policy Schedule.

Polisi Insurans Kebakaran direka bentuk untuk memberikan indemniti kepada Pihak Diinsuranskan sekiranya berlaku kehilangan atau kerosakan pada Harta yang Diinsuranskan oleh Kebakaran atau Peril Dinamakan seperti yang dinyatakan dalam Jadual Polisi. 

2.1 Basic Cover The basic Fire Insurance Policy covers loss or damage to the Property Insured caused by:

a) Fire,

b) Lightning

c) Explosion of domestic boiler or domestic gas cylinder not forming part of any gas work.

2.2 Extension of Cover for additional perils

The Policy may be extended to cover loss or damage caused by other named Perils as follows:

a. Aircraft and other aerial devices and / articles dropped there from.                                                          

b. Earthquake and VolcanicEruption                                    

c. Storm Tempest                                                                  d. Flood 

e. Explosion -Industrial without boilers       

-Industrial with boilers                                  

-Non-industrial without boilers                    

-Non-industrial with boilers                             

f. Impact Damage                                           

Bursting or overflowing of water tanks, apparatus or pipes

-Building exceeding 5 storeys including mezzanine)

-Others                                                           

g. Electrical Installation Clause (B)             

h. Bush / Lallang Fire      

i. Subsidence & Landslip                    

Full Cover                                                 

j. Spontaneous Combustion (by fire only)    

Spontaneous Combustion (full cover)       

k. Riot Strike and Malicious Damage            

     Residential properties                                 

Other than Residential properties          

l. Damage by Falling Trees or Branches        

    and objects therefrom                            

m.Leakage of Sprinkler System

    -Buildings                                                                                       

    -Contents                                                      

2.1 Perlindungan Asas Polisi Insurans Kebakaran asas melindungi kerugian atau kerosakan kepada Harta Yang Diinsuranskan disebabkan oleh:

api,

b) Kilat

c) Letupan dandang domestik atau silinder gas domestik yang tidak menjadi sebahagian daripada sebarang kerja gas.

2.2 Sambungan Perlindungan untuk peril tambahan

Polisi ini boleh diperluaskan untuk melindungi kerugian atau kerosakan yang disebabkan oleh Perils lain yang dinamakan seperti berikut:

a. Pesawat dan peranti udara lain dan / artikel dijatuhkan dari sana.

b. Gempa Bumi dan Letusan Gunung Berapi

c. Badai Ribut

d. Banjir

e. Letupan -Industri tanpa dandang

-Industri dengan dandang

-Bukan industri tanpa dandang

-Bukan industri dengan dandang

f. Kerosakan Kesan

Pecah atau limpahan tangki air, radas atau paip

-Bangunan melebihi 5 tingkat termasuk mezanin)

-Lain-lain

g. Klausa Pemasangan Elektrik (B)

h. Api Belukar / Lallang

i. Penenggelaman & Tanah runtuh

Penutup Penuh

j. Pembakaran Spontan (dengan api sahaja)

Pembakaran Spontan (kulit penuh)

k. Mogok Rusuhan dan Kerosakan Berniat jahat

     hartanah kediaman

Selain daripada hartanah Kediaman

l. Kerosakan oleh Pokok Tumbang atau Ranting

    dan objek daripadanya

m.Kebocoran Sistem Pemercik

    -Bangunan

    -Kandungan 

a.

i)  Spray painting with warranty 24

ii) A Spray painting without warranty 24 B

iii)Powder spray painting with warranty 25 A

iv)Powder spray painting without warranty 25 B

b. 

Liquified petroleum Gas (LPG) (applicable to Industrial risks, non-industrial risks if more than

110 lbs of LPG is stored and retail risks if more than

15 lbs LPG is stored.

i) with warranty 22                                             Nil

ii)without warranty 22                                      10%

c.

Hazardous good warranty -waiver of         25%

warranty 3A (Warranty 3B must be

used and the loading is on warranty

3A's rate)

d.Floating stocks-unnamed location          25%

(Conditions in Rules 1.12.2     

(highest rate applicable

  must be complied)

Premium Loading on Basic Rate                  Loading

e.Office and dwelling in retail premises       25%

f. Smoke damage extensions                            10%

g. Goods undergoing heating/                         10%

    drying process                            loading or additional 0.01%                                             

                                                                      whichever is higher

a.

i)  Spray painting with warranty 24

ii) A Spray painting without warranty 24 B

iii)Powder spray painting with warranty 25 A

iv)Powder spray painting without warranty 25 B

b. 

Liquified petroleum Gas (LPG) (applicable to Industrial risks, non-industrial risks if more than

110 lbs of LPG is stored and retail risks if more than

15 lbs LPG is stored.

i) with warranty 22                                             Nil

ii)without warranty 22                                      10%

c.

Hazardous good warranty -waiver of         25%

warranty 3A (Warranty 3B must be

used and the loading is on warranty

3A's rate)

d.Floating stocks-unnamed location          25%

(Conditions in Rules 1.12.2     

(highest rate applicable

  must be complied)

Premium Loading on Basic Rate                  Loading

e.Office and dwelling in retail premises       25%

f. Smoke damage extensions                            10%

g. Goods undergoing heating/                         10%

    drying process                            loading or additional 0.01%                                             

                                                                      whichever is higher

4. Basis of rating

4.1 There are six basis of rating for a fire insurance policy

a) Tariff rate

For risks with sum insured less than RM10 million (Material Damage and Consequential Loss combined) Survey required for referred/Special AcceptancelDeciined risk.

b) Self Rating

For risks with sum insured between RM10 - 30 million (Material Damage and Consequential Loss combined) Rated by 4. Basis of rating

4.1 There are six basis of rating for a fire insurance policy

a) Tariff rate

For risks with sum insured less than RM10 million (Material Damage and Consequential Loss combined) Survey required for referred/Special AcceptancelDeciined risk.

b) Self Rating

For risks with sum insured between RM10 - 30 million (Material Damage and Consequential Loss combined) Rated by Insurance company as per the guidelines stated in Section 17 of the RFT. Survey is required.

c) Special rate

For risks with sum insured more than RM30 million per location (Material Damage and Consequential Loss combined). Rated by MNRB upon submission of survey report

d) Industrial All Risk (IAR)

For risks with sum insured more than RM50 million per location (Material Damage and consequential loss combined).

Rated by MNRB upon submission of survey report.

e) Unclassified risk

Where risk is not stated in the RFT, the applicable rate is to be provided by MNRB upon submission of basic underwriting information. Please refer to Head Office.

f) Large and Specialised Risk

For industrial/ manufacturing risk with sum insured more than RM300 million (Main location) Material Damage and Consequential Loss combined).

Rate sourced from reputable re-insurer / Insurers. Survey required.

4.2 The tariff rate shall be strictly applied as per the 

Malaysian Revised Fire Tariff (RF'T revised 01/07/2000) without exception. Should there be any doubt as to the interpretation of any Tariff regulations, please refer to the Company.

Insurance company as per the guidelines stated in Section 17 of the RFT. Survey is required.

c) Special rate

For risks with sum insured more than RM30 million per location (Material Damage and Consequential Loss combined). Rated by MNRB upon submission of survey report

d) Industrial All Risk (IAR)

For risks with sum insured more than RM50 million per location (Material Damage and consequential loss combined).

Rated by MNRB upon submission of survey report.

e) Unclassified risk

Where risk is not stated in the RFT, the applicable rate is to be provided by MNRB upon submission of basic underwriting information. Please refer to Head Office.

f) Large and Specialised Risk

For industrial/ manufacturing risk with sum insured more than RM300 million (Main location) Material Damage and Consequential Loss combined).

Rate sourced from reputable re-insurer / Insurers. Survey required.

4.2 The tariff rate shall be strictly applied as per the 

Malaysian Revised Fire Tariff (RF'T revised 01/07/2000) without exception. Should there be any doubt as to the interpretation of any Tariff regulations, please refer to the Company.

4. Asas penarafan

4.1 Terdapat enam asas penarafan untuk polisi insurans kebakaran

a) Kadar tarif

Bagi risiko dengan jumlah diinsuranskan kurang daripada RM10 juta (gabungan Kerosakan Bahan dan Kerugian Akibat) Tinjauan diperlukan untuk risiko yang dirujuk/Penerimaan Khas.

b) Penilaian Kendiri

Untuk risiko dengan jumlah diinsuranskan antara RM10 - 30 juta (Kerosakan Bahan dan Kerugian Berbangkit digabungkan) Dinilai sebanyak 4. Asas penarafan

4.1 Terdapat enam asas penarafan untuk polisi insurans kebakaran

a) Kadar tarif

Bagi risiko dengan jumlah diinsuranskan kurang daripada RM10 juta (gabungan Kerosakan Bahan dan Kerugian Akibat) Tinjauan diperlukan untuk risiko yang dirujuk/Penerimaan Khas.

b) Penilaian Kendiri

Untuk risiko dengan jumlah diinsuranskan antara RM10 - 30 juta (Kerosakan Bahan dan Kerugian Berbangkit digabungkan) Dinilai oleh syarikat Insurans mengikut garis panduan yang dinyatakan dalam Seksyen 17 RFT. Tinjauan diperlukan.

c) Kadar istimewa

Untuk risiko dengan jumlah diinsuranskan melebihi RM30 juta setiap lokasi (Kerosakan Bahan dan Kerugian Berbangkit digabungkan). Dinilai oleh MNRB apabila menyerahkan laporan tinjauan

d) Risiko Industri (IAR)

Untuk risiko dengan jumlah diinsuranskan melebihi RM50 juta setiap lokasi (Kerosakan Bahan dan kerugian berbangkit digabungkan).

Dinilai oleh MNRB apabila menyerahkan laporan tinjauan.

e) Risiko tidak terklasifikasi

Di mana risiko tidak dinyatakan dalam RFT, kadar yang terpakai akan disediakan oleh MNRB selepas penyerahan maklumat pengunderaitan asas. Sila rujuk kepada Ibu Pejabat.

f) Risiko Besar dan Khusus

Untuk risiko perindustrian/ pembuatan dengan jumlah diinsuranskan melebihi RM300 juta (Lokasi utama) Kerosakan Bahan dan Kerugian Berbangkit digabungkan).

Kadar diperoleh daripada penanggung insurans semula / Penanggung Insurans yang bereputasi. Tinjauan diperlukan.

4.2 Kadar tarif hendaklah dikenakan dengan ketat mengikut peraturan

Tarif Kebakaran Semakan Malaysia (RF'T disemak 01/07/2000) tanpa pengecualian. Sekiranya terdapat sebarang keraguan tentang tafsiran mana-mana peraturan Tarif, sila rujuk kepada Syarikat.

Syarikat insurans mengikut garis panduan yang dinyatakan dalam Seksyen 17 RFT. Tinjauan diperlukan.

c) Kadar istimewa

Untuk risiko dengan jumlah diinsuranskan melebihi RM30 juta setiap lokasi (Kerosakan Bahan dan Kerugian Berbangkit digabungkan). Dinilai oleh MNRB apabila menyerahkan laporan tinjauan

d) Risiko Industri (IAR)

Untuk risiko dengan jumlah diinsuranskan melebihi RM50 juta setiap lokasi (Kerosakan Bahan dan kerugian berbangkit digabungkan).

Dinilai oleh MNRB apabila menyerahkan laporan tinjauan.

e) Risiko tidak terklasifikasi

Di mana risiko tidak dinyatakan dalam RFT, kadar yang terpakai akan disediakan oleh MNRB selepas penyerahan maklumat pengunderaitan asas. Sila rujuk kepada Ibu Pejabat.

f) Risiko Besar dan Khusus

Untuk risiko perindustrian/ pembuatan dengan jumlah diinsuranskan melebihi RM300 juta (Lokasi utama) Kerosakan Bahan dan Kerugian Berbangkit digabungkan).

Kadar diperoleh daripada penanggung insurans semula / Penanggung Insurans yang bereputasi. Tinjauan diperlukan.

4.2 Kadar tarif hendaklah dikenakan dengan ketat mengikut peraturan

Tarif Kebakaran Semakan Malaysia (RF'T disemak 01/07/2000) tanpa pengecualian. Sekiranya terdapat sebarang keraguan tentang tafsiran mana-mana peraturan Tarif, sila rujuk kepada Syarikat. 

The FEA discounts are applicable to tariff and self rating cases rates. For special rates the discounts should not be given as they have been incorporated in the rates given.

The discounts are categorised into internal and external appliances. FEA discounts can be referred to Section 9 of the RFT.           

Diskaun FEA adalah terpakai untuk tarif dan kadar kes penilaian sendiri. Untuk kadar istimewa, diskaun tidak boleh diberikan kerana ia telah dimasukkan ke dalam kadar yang diberikan.

Diskaun tersebut dikategorikan kepada peralatan dalaman dan luaran. Diskaun FEA boleh dirujuk kepada Seksyen 9 RFT. 

The FEA discounts are applicable to tariff and self rating cases rates. For special rates, the discounts should not be given as they have been incorporated into the rates given.

The discounts are categorized into internal and external appliances. FEA discounts can be referred to Section 9 of the RFT.

Diskaun FEA adalah terpakai untuk tarif dan kadar kes penilaian sendiri. Untuk kadar istimewa, diskaun tidak boleh diberikan kerana ia telah dimasukkan ke dalam kadar yang diberikan.

Diskaun tersebut dikategorikan kepada peralatan dalaman dan luaran. Diskaun FEA boleh dirujuk kepada Seksyen 9 RFT. 

The short period rate is applicable for

i) an insurance effected or renewed for a period of less than one year

ii) increase in the sum insured on a policy issued for a period of less than one year,

iii) Increases in the sum insured under an annual policy for a period less than the unexpired period of that policy except as provided for in Rule 1.43 of the Revised Fire Tariff, is to be calculated on the following scale :

The short period rate is applicable for

i) an insurance effected or renewed for a period of less than one year

ii) increase in the sum insured on a policy issued for a period of less than one year,

iii) Increases in the sum insured under an annual policy for a period less than the unexpired period of that policy except as provided for in Rule 1.43 of the Revised Fire Tariff, is to be calculated on the following scale :

8.1 Bamboo & Basket Manufacturers

8.2 Cyber Cafes

8.3 Electronic and related factories

8.4 Furniture shops

8.5 Growing Crops e,g. Oil palm. rubber & cocoa

8.6 Rice Mills

8.7 Risks located in areas known to be flood-prone (unless 

    without flood cover)

8.8 Risks located in/near hill top/hill slope (unless without     

    subsidence and landslide cover)

8.1 Pengeluar Buluh & Bakul

8.2 Kafe Siber

8.3 Kilang elektronik dan yang berkaitan

8.4 Kedai perabot

8.5 Menanam Tanaman e,g. Kelapa sawit. getah & koko

8.6 Kilang Padi

8.7 Risiko yang terletak di kawasan yang diketahui mudah banjir (melainkan

    tanpa penutup banjir)

8.8 Risiko terletak di/berhampiran puncak bukit/cerun bukit (kecuali tanpa

    penenggelaman dan litupan tanah runtuh) 

9.1 Adhesives Manufactures

9.2 Amusement arcades/centre

9.3 Candle Factories

9.4 Celluloid Goods Manufacturers

9.5 Chemical works

9.6 Cotton Waste Warehouse

9.7 Copra Kilns

9.8 Discotheques, Nightclubs, bars, pubs, karaoke and 

        the like not located in shopping mall or 4/5 star hotel

9.9 Foamed Rubber Manufacturers

9.10 Furniture malls in established shopping complexes

9.11 Lacquer Manufacturers

9.12 Oil Paints Manufacturers

9.13 Oil and Gas risks of petroleum industry

9.14 Oleo-Chemical Factories

9.15 Paper products manufacturers except Printers/Printing shop

9.1 6 Polish Manufacturers

9.17 Risks located in/near hill topihill slope with 

        subsidence and landslide cover

9.18 Risks under receivership

9.1 9 Resin & Turpentine Manufacturers

9.20 Rubber Smokehouses

9.21 Sawmill/Plywood Factories

9.22 Silent Industrial Risk

9.23 Signboard Maker/Frame Maker Premises

9.24 Timber Drying Kiln

9.25 Tyre retreading and vulcanizing

9.26 Wax Factories

9.27 Waste paper dealers/stores/Processors

9.1 Adhesives Manufactures

9.2 Amusement arcades/centre

9.3 Candle Factories

9.4 Celluloid Goods Manufacturers

9.5 Chemical works

9.6 Cotton Waste Warehouse

9.7 Copra Kilns

9.8 Discotheques, Nightclubs, bars, pubs, karaoke and 

        the like not located in shopping mall or 4/5 star hotel

9.9 Foamed Rubber Manufacturers

9.10 Furniture malls in established shopping complexes

9.11 Lacquer Manufacturers

9.12 Oil Paints Manufacturers

9.13 Oil and Gas risks of petroleum industry

9.14 Oleo-Chemical Factories

9.15 Paper products manufacturers except Printers/Printing shop

9.1 6 Polish Manufacturers

9.17 Risks located in/near hill topihill slope with 

        subsidence and landslide cover

9.18 Risks under receivership

9.1 9 Resin & Turpentine Manufacturers

9.20 Rubber Smokehouses

9.21 Sawmill/Plywood Factories

9.22 Silent Industrial Risk

9.23 Signboard Maker/Frame Maker Premises

9.24 Timber Drying Kiln

9.25 Tyre retreading and vulcanizing

9.26 Wax Factories

9.27 Waste paper dealers/stores/Processors

10.1 Ammunition Works

10.2 Building of class 3 construction

10.3 Explosive (using or making) Factories/Premises

10.4 Discotheques, Nightclubs, bars, pubs, karaoke and the like (unless in shopping mall or 4 star hotel)

10.5 Furniture malls (other than in established shopping  complexes)/ Furniture factories/ Woodworking risks

10.6 Joss Goods Manufacturers

10.7 Match Manufacturers/Stores

10.8 Mosquito Coil Manufacturers

10.9 Offshore risks

10.10 Plastic Goods Manufacturers

10.11 Plastic Recycling Plant/stores

10.12 Textile & Garment Factories

10.13 Tobacco Barns

10.14 Wax Factories

10.15 Waste paper dealers/stores/Processors

10.16 Deductible Buy-back policies

10.17 Layered or Excess of Loss Policies

10.18 Policy on First Loss basis

10.19 Nuclear Energy Risks

Important Notes

For risks classified as referred or special acceptance or declined which are already insured with the Company, a survey must be conducted if there are any changes in the risk before the expiry of the Policy and approval must be obtained from the Company before the Policy is renewed.

10.1 Ammunition Works

10.2 Building of class 3 construction

10.3 Explosive (using or making) Factories/Premises

10.4 Discotheques, Nightclubs, bars, pubs, karaoke and the like (unless in shopping mall or 4 star hotel)

10.5 Furniture malls (other than in established shopping  complexes)/ Furniture factories/ Woodworking risks

10.6 Joss Goods Manufacturers

10.7 Match Manufacturers/Stores

10.8 Mosquito Coil Manufacturers

10.9 Offshore risks

10.10 Plastic Goods Manufacturers

10.11 Plastic Recycling Plant/stores

10.12 Textile & Garment Factories

10.13 Tobacco Barns

10.14 Wax Factories

10.15 Waste paper dealers/stores/Processors

10.16 Deductible Buy-back policies

10.17 Layered or Excess of Loss Policies

10.18 Policy on First Loss basis

10.19 Nuclear Energy Risks

Important Notes

For risks classified as referred or special acceptance or declined which are already insured with the Company, a survey must be conducted if there are any changes in the risk before the expiry of the Policy and approval must be obtained from the Company before the Policy is renewed.

DEFINITIONS

BRICKWORK

Solid bricks of burnt clay, concrete (as defined below) or sand lime laid in mortar and/or cement and properly bonded.

MASONRY

Stone laid in mortar and/or cement and properly bonded.

CONCRETE

A mixture composed of Portland or high alumina cement and fine and coarse aggregates of sand, broken brick, crushed natural stone, blast furnace slag, foamed slag, pumice, well burnt clinker or other similar hard and burnt material or gravel.

EXTERNAL WALL

The exterior wall, of a building not being a common wall separating one building from any adjoining building.

PARTLY OR FIREBREAK WALL

A solid wall without cavity and not less than 200mm (8 in) thick constructed of brickwork, masonry or reinforced concrete going up to the underside of the decking of the roof and carried through the decking and above the upper surface of the covering of the roof to a distance of not less than 375mm (15 in).

All structural metalwork in firebreak walls must be completely encased in one of the following forms of protection:

(a)brickwork not less than 115mm (4 1/2 in) thick with the web-hollows filled with concrete and/ or brick and mortar.

(b) concrete not less than 63mm (2 1/2 in) thick

reinforced centrally with steel mesh or wire.

(c) beamed slag block not less than 100mm (4 in) thick 

and with wire reinforcements in every horizontal   

joint.

A firebreak wall must be imperforate with the exception that one or more a the following are allowed:

(a) a communication through an approved fire-proof lobby,

(b) an opening protected:

(i)  by approved double fire-proof doors or

(ii) by an approved single fire-proof door when the

opening is between buildings protected by an approved automatic sprinkler installation or installations.

(c) the passage of steel trunking not exceeding 0.4m2

(4 sq. ft.) in cross-sectional area fitted with a steel damper not less than 6mm (1/4 in) thick on each side of the opening. Any space between the trunking and the wall to be made good with concrete the full thickness of the wall.

(d) the passage of pipes (but not flue pipes) of non

-combustible materials or shafting not exceeding 150mm (6 in) diameter. The space around such pipes to be made good with concrete the full thickness of the wall and holes for shafting to be as small as is practicable.

Pipes carrying water or steam may exceed 150mm (6 in) in diameter.

FLOOR

Any horizontal platform forming the surface o any storey excluding extensions, galleries and mezzanine floor.

ROOF

A roof comprises any framework, decking, insulation and external covering to such decking but excludes any lining as defined.

LINING

Any non-structural material applied or attained to walls or roofs with or without an intervening airspace.

NB: An internal coating of bitumen, tar, pitch or other similar material applied to metal sheeting in the course of its fabrication is to be regarded as structural.

AUTHORIZED BODY

Refers to the Fire Services Department of Malaysia or any recognized national and international body or organization dealing with testing of building materials for fire standards and include the Standards and Industrial Research Institute of Malaysia (SIRIM), the Underwriters Laboratory (UL) and Fire Institute of Research and Testing Organization (FIRTO).

GENERAL PROVISIONS

1. The construction of Buildings is classified into four

(4) classes:

a) Class 1A Construction

b) Class IB Construction

c) Class 2 Construction

d) Class 3 Construction

DEFINISI

KERJA BATA

Bata padu daripada tanah liat yang dibakar, konkrit (seperti yang ditakrifkan di bawah) atau kapur pasir yang diletakkan di dalam mortar dan/atau simen dan diikat dengan betul.

MASONRY

Batu diletakkan di dalam mortar dan/atau simen dan diikat dengan betul.

KONKRIT

Campuran yang terdiri daripada simen Portland atau alumina tinggi dan agregat halus dan kasar pasir, bata pecah, batu asli yang dihancurkan, sanga relau letupan, sanga berbuih, batu apung, klinker yang dibakar dengan baik atau bahan atau kerikil lain yang serupa dan keras dan terbakar.

DINDING LUARAN

Dinding luar, bangunan bukan dinding biasa yang memisahkan satu bangunan dari mana-mana bangunan bersebelahan.

SEBAHAGIAN ATAU DINDING PECAH API

Dinding pepejal tanpa rongga dan tidak kurang daripada 200mm (8 in) tebal yang dibina daripada kerja bata, batu atau konkrit bertetulang naik ke bahagian bawah geladak bumbung dan dibawa melalui geladak dan di atas permukaan atas penutup bumbung pada jarak tidak kurang daripada 375mm (15 in).

Semua kerja logam berstruktur dalam dinding pemutus api mesti diselubungi sepenuhnya dalam salah satu bentuk perlindungan berikut:

(a) kerja bata tidak kurang daripada 115mm (4 1/2 in) tebal dengan rongga web diisi dengan konkrit dan/atau bata dan mortar.

(b) konkrit tidak kurang daripada 63mm (2 1/2 in) tebal

diperkukuh secara berpusat dengan jaring keluli atau dawai.

(c) blok sanga rasuk tidak kurang daripada 100mm (4 in) tebal

dan dengan tetulang wayar dalam setiap mendatar

sendi.

Dinding pemecah api mestilah tidak tembus dengan pengecualian bahawa satu atau lebih yang berikut dibenarkan:

(a) komunikasi melalui lobi kalis api yang diluluskan,

(b) bukaan yang dilindungi:

(i) dengan pintu kalis api berganda yang diluluskan atau

(ii) dengan pintu kalis api tunggal yang diluluskan apabila

pembukaan adalah antara bangunan yang dilindungi oleh pemasangan atau pemasangan pemercik automatik yang diluluskan.

(c) laluan batang keluli tidak melebihi 0.4m2

(4 kaki persegi) dalam kawasan keratan rentas yang dipasang dengan peredam keluli tidak kurang daripada 6mm (1/4 in) tebal pada setiap sisi bukaan. Mana-mana ruang antara trunking dan dinding untuk dibuat baik dengan konkrit ketebalan penuh dinding.

(d) laluan paip (tetapi bukan paip asap) bukan

-bahan mudah terbakar atau aci tidak melebihi diameter 150mm (6 in). Ruang di sekeliling paip sedemikian hendaklah dibuat dengan baik dengan konkrit dengan ketebalan penuh dinding dan lubang untuk aci sekecil yang boleh dilakukan.

Paip yang membawa air atau wap mungkin melebihi diameter 150mm (6 in).

LANTAI

Mana-mana platform mendatar yang membentuk permukaan o mana-mana tingkat tidak termasuk sambungan, galeri dan lantai mezanin.

BUMBUNG

Bumbung terdiri daripada sebarang rangka kerja, geladak, penebat dan penutup luaran untuk geladak tersebut tetapi tidak termasuk sebarang lapisan seperti yang ditakrifkan.

PELAPIS

Mana-mana bahan bukan struktur yang digunakan atau dicapai pada dinding atau bumbung dengan atau tanpa ruang udara yang mencelah.

NB: Salutan dalaman bitumen, tar, pic atau bahan lain yang serupa digunakan pada kepingan logam semasa pembuatannya hendaklah dianggap sebagai struktur.

BADAN SAH

Merujuk kepada Jabatan Perkhidmatan Bomba Malaysia atau mana-mana badan atau organisasi kebangsaan dan antarabangsa yang diiktiraf yang berurusan dengan ujian bahan binaan untuk standard kebakaran dan termasuk Institut Piawaian dan Penyelidikan Perindustrian Malaysia (SIRIM), Makmal Penaja Jamin (UL) dan Institut Bomba Organisasi Penyelidikan dan Pengujian (FIRTO).

PERUNTUKAN AM

1. Pembinaan Bangunan dikelaskan kepada empat

(4) kelas:

a) Pembinaan Kelas 1A

b) Pembinaan Kelas IB

c) Pembinaan Kelas 2

d) Pembinaan Kelas 3 

1. WALLS

External walls up to the eaves level (excluding windows and doors) to be of:

(a) all brickwork, masonry, concrete, reinforced

concrete, autoclaved aerated concrete, hollow blocks, solid blocks and/or slabs not less than 100mm (4 in) thick and/or

(b) any other materials having at least 2·hours fire resistance as 

    certified by an AUTHORIZED Body.

2. FLOORS

To be constructed of reinforced concrete.

3. ROOFS

The external covering roof be entirely of non- combustible materials.

Note: Class 1A building with open-sided sheds attached to it and with floor area less than 20% of total floor area of main building to be rated as Class IA with 10% loading on basic premium. If the floor area of open-sided sheds exceeds 20% of total floor area of main building, such building is to be rated as Class IB.

1. DINDING

Dinding luar sehingga paras cucur atap (tidak termasuk tingkap dan pintu) terdiri daripada:

(a) semua kerja bata, batu, konkrit, bertetulang

konkrit, konkrit berudara diautoklaf, bongkah berongga, bongkah pepejal dan/atau papak tidak kurang daripada 100mm (4 in) tebal dan/atau

(b) sebarang bahan lain yang mempunyai ketahanan api sekurang-kurangnya 2 jam sebagai

    diperakui oleh Badan SAH.

2. LANTAI

Untuk dibina daripada konkrit bertetulang.

3. BUMBUNG

Bumbung penutup luar sepenuhnya daripada bahan tidak mudah terbakar.

Nota: Bangunan Kelas 1A dengan bangsal bermuka terbuka yang dipasang padanya dan dengan keluasan lantai kurang daripada 20% daripada jumlah keluasan lantai bangunan utama untuk dinilai sebagai Kelas IA dengan muatan 10% pada premium asas. Jika keluasan lantai bangsal bersisi terbuka melebihi 20% daripada jumlah keluasan lantai bangunan utama, bangunan tersebut hendaklah dinilai sebagai Kelas IB. 

1. WALLS

External wall up to caves level (excluding windows and doors) to be:

(a) partly of brickwork, masonry, concrete, reinforced concrete, 

    autoclaved aerated concrete, hollow blocks, solid blocks and/or                                 

    slabs not less than 100mm (4 in) thick and partly of non-        

    combustible materials and/or

(b) wholly of glass certified by an AUTHORIZED Body

for building use,

2.  ROOFS

The external covering to be entirely of non-combustible materials.

Note:

(i) Class IA building with open-sided sheds attached to it

and with floor area less than 20% of total floor area of main building to be rated as Class lB with 10% loading on basic premium, If the floor area of open-sided sheds exceeded 200/, of total floor area of main building, such building is to be rated as Class 2.

(ii) To conform with this construction classification:

(a) Building constructed partly of ventilated bricks and

partly of incombustible materials, the usage of ventilated bricks must not exceed 20% of the total wall area. If such Usage exceeds 20% of the total wall area, the building is to be classified as Class 2.

(b) Building with rows of glass lourve windows and/or

wire-mesh and/or openings, the usage of glass lourve windows. wire-mesh and openings combine must not exceed 20% of the total wall area. If such usage exceeds 20% of the total wall area, the building is to be classified as Class 2.

(c) The usage of non-combustible materials must not

exceed 80% of the total wall area. If such usage exceeds 80% of the total wall area, the building is to be classified as Class 2.

1. DINDING

Dinding luar sehingga paras gua (tidak termasuk tingkap dan pintu) hendaklah:

(a) sebahagian daripada kerja bata, batu, konkrit, konkrit bertetulang,

    konkrit berudara diautoklaf, bongkah berongga, bongkah pepejal dan/atau

    papak tidak kurang daripada 100mm (4 in) tebal dan sebahagiannya bukan

    bahan mudah terbakar dan/atau

(b) sepenuhnya daripada kaca yang diperakui oleh Badan YANG DIBENARKAN

untuk kegunaan bangunan,

2. BUMBUNG

Penutup luar hendaklah sepenuhnya daripada bahan tidak mudah terbakar.

Catatan:

(i) Bangunan Kelas IA dengan bangsal bermuka terbuka yang dipasang padanya

dan dengan keluasan lantai kurang daripada 20% daripada jumlah keluasan lantai bangunan utama untuk dikadarkan sebagai Kelas lB dengan 10% beban pada premium asas, Jika keluasan lantai bangsal bersisi terbuka melebihi 200/, daripada jumlah keluasan lantai bangunan utama, bangunan tersebut hendaklah dinilai sebagai Kelas 2.

(ii) Untuk mematuhi klasifikasi pembinaan ini:

(a) Bangunan yang dibina sebahagiannya daripada bata berventilasi dan

sebahagian daripada bahan tidak mudah terbakar, penggunaan bata berventilasi tidak boleh melebihi 20% daripada jumlah kawasan dinding. Jika Penggunaan tersebut melebihi 20% daripada jumlah keluasan dinding, bangunan itu hendaklah dikelaskan sebagai Kelas 2.

(b) Bangunan dengan deretan tingkap lourve kaca dan/atau

wayar-mesh dan/atau bukaan, penggunaan tingkap lourve kaca. dawai-jaring dan bukaan bergabung tidak boleh melebihi 20% daripada jumlah luas dinding. Jika penggunaan sedemikian melebihi 20% daripada jumlah keluasan dinding, bangunan itu hendaklah dikelaskan sebagai Kelas 2.

(c) Penggunaan bahan tidak mudah terbakar tidak boleh

melebihi 80% daripada jumlah kawasan dinding. Jika penggunaan sedemikian melebihi 80% daripada jumlah kawasan dinding, bangunan itu hendaklah dikelaskan sebagai Kelas 2. 

WALLS

External walls:

(a)partly of brick, masonry, concrete, reinforced

concrete, autoclaved aerated concrete, hollow block, solid block, slabs or any of the materials having at least the same fire resistance as certified by an AUTHORIZED Body or classified in the Building Bye-Laws and partly of wood or other combustible materials.

NB: To confirm with this (:Construction classification, the usage of wood or other combustible materials must not exceed 50%> of the total wall area.

(b) of asbestos sheeting, corrugated iron, galvanized

iron or other non-combustible materials.

2.        (a) Open-sided shed with non-combustible                 

columns.

(b) Open-sided shed with wall(s) constructed of non-combustible materials and with noncombustible columns.

3. ROOFS

The external covering 10 be entirely of non- combustible materials. 

WALLS

External walls:

(a)partly of brick, masonry, concrete, reinforced

concrete, autoclaved aerated concrete, hollow block, solid block, slabs or any of the materials having at least the same fire resistance as certified by an AUTHORIZED Body or classified in the Building Bye-Laws and partly of wood or other combustible materials.

NB: To confirm with this (:Construction classification, the usage of wood or other combustible materials must not exceed 50%> of the total wall area.

(b) of asbestos sheeting, corrugated iron, galvanized

iron or other non-combustible materials.

2.        (a) Open-sided shed with non-combustible                 

columns.

(b) Open-sided shed with wall(s) constructed of non-combustible materials and with noncombustible columns.

3. ROOFS

The external covering 10 be entirely of non- combustible materials. 

CLASS 3 CONSTRUCTION

All other construction not conforming with Class lA, Class IB and Class 2 Construction.

BELIAN SHINGLES

Buildings conforming to Class lA, Class IB or Class 2 definition but with roofs of belian shingles are to be rated as Class lA, Class IB or Class 2 construction as the case may be subject to an additional charge of 0.035% on the trade occupation rate which is applicable.

PEMBINAAN KELAS 3

Semua pembinaan lain yang tidak mematuhi Kelas lA, Kelas IB dan Pembinaan Kelas 2.

Kayap BELIAN

Bangunan yang mematuhi definisi Kelas lA, Kelas IB atau Kelas 2 tetapi dengan bumbung sirap belian hendaklah dinilai sebagai pembinaan Kelas lA, Kelas IB atau Kelas 2 mengikut mana-mana yang mungkin dikenakan caj tambahan sebanyak 0.035% pada kadar pekerjaan perdagangan yang berkenaan. 

1. Fire Brigade Report

2. Sales/Purchase Invoices (for stock)

3. Stocks Record

4. Quotation for repair/Replacement

5. Photographs of Damages Sustained

6. Balanced Sheet & Profit & Loss Account

7. Claim Form

1. Laporan Bomba

2. Invois Jualan/Beli (untuk stok)

3. Rekod Stok

4. Sebutharga untuk pembaikan/Penggantian

5. Gambar-gambar Kerosakan yang Ditanggung

6. Lembaran Imbangan & Akaun Untung & Rugi

7. Borang tuntutan 

A number of attempted fire insurance schemes came to nothing, but in 1681, economist Nicholas Barbon and eleven associates established the first fire insurance company, the "Insurance Office for Houses", at the back of the Royal Exchange to insure brick and frame homes. History of insurance - Wikipedia 

A number of attempted fire insurance schemes came to nothing, but in 1681, economist Nicholas Barbon and eleven associates established the first fire insurance company, the "Insurance Office for Houses", at the back of the Royal Exchange to insure brick and frame homes. History of insurance - Wikipedia