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Fire Insurance

Basic cover

  • Fire
  • Lightning
  • Explosion(domestic)

Damage during or immediately following

  • Fire caused by – smoke, scorching,
  • Falling walls, water used for extinguishing
  • Fire, blowing up building for preventing
  • Spread of fire.
  • This coverage can be extended to include other perils by the additional premium;
  • Riot, Strike
  • Terrorism
  • Storm, Flood
  • Subsidence
  • Landslide
  • Aircraft damage
  • Bursting or overflowing of tanks.

Exclusions

  • Explosion except boiler used for domestic purpose
  • Spontaneous combustion
  • Earthquake fire
  • Subterranean fire
  • Own fermentation or heating
  • Flood & Cyclone

Specific Exclusions

  • Riot, Civil Commotion, War, Invasion, Act of Foreign Enemy, Civil War, Rebellion, Revolution, Insurrection etc.
  • Radioactive Contamination

Basic Elements of Fire Rating from Tariff:

  • Interest
  • Construction
  • Occupation
  • Location