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Fire Policy

Fire Policy

The policy covers fire and lightning on the property insured.
The cover may be extended to include the following:

  • Fire, lightning, explosion and implosion
  • Aircraft damage, riot, strike, malicious damage and terrorism
  • Storm, tempest, flood and inundation
  • Impact damage, subsidence
  • Landslide/rockslide
  • Bursting and/or overflowing of water tanks, apparatus and pipes
  • Missile testing, leakage from automatic sprinkler installations and bush fire
  • Earthquake
  • Riot & Strike (arson)
  • Malicious Damage
  • Architects, quantity surveyors and other fees
  • Rent Receivable/Payable Clause
  • Removal of Debris


Sum Insured:
– The fire cover will be issued on Depreciated Value (Indemnity Value) or on Reinstatement Value.

– The premium is charged based on factors like construction of the building, trade and so on. Extension of cover calls for additional premium.

– Specified for all other claims except claims preparations.
– Business Interruption- Time Excess (minimum 72 hours).

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