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Fire and Allied Perils

Two kinds of policies:

1. Fire Policy: This covers insurers against the risk of losses or damages due to fire and lightning only.

2. Fire and Allied perils: Adding to the above mentioned cover, this type of policy covers a number of additional perils which may differ from one policy to another but most usually include the following perils:

  Storms, tempests and floods
  Earthquakes, volcanic eruptions
  Aircraft or any other aerial devices or articles dropped from impact damage by your own or any third party road vehicles, horses or cattle
  Bursting or overflowing of water tanks, apparatus or pipes
  Loss of profits or the interruption of business
  Loss of Rent
  Third party legal liability including the liability of landlords towards their tenants
  Tenants liability towards their landlords
  Strikes, riots & civil commotions
  Malicious damage
  Theft/Burglary following a forcible entry/exit from the insured premises
  Accidental damage to plate glass fixed to the buildings
  Removal of debris expenses following losses or damages to the insured property
  Fire brigade charges and extinguishing expenses
  Architects, surveyors and legal and consulting engineeing fees

Note: This line of insurance is a Property All Risk extension

  • Extensions:

  • Pre-requirement:

      Broker of Record
      Commercial Registration
      Wassel /National Address
      VAT Certificate
      Breakdown List
      3 years claims experience
      A declaration letter if first time insurance
      Proposal Form

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