This policy covering destruction or damage to the insured property.

Fire Policy

Perils Covered:

  • Fire
  • Lightning
  • Explosion / Implosion
  • Aircraft damage
  • Riot, Strike, Civil Commotion & Malicious damage (hereinafter called SRCCMD Perils)
  • Storm, Tempest, Flood, Inundation
  • Earthquake (Fire and Shock).
  • Temporary removal of stocks.
  • Impact by any Rail/ Road vehicle or animal (excluding damage by own vehicles)
  • Subsidence / Landslide including rockslide.
  • Bursting and /or overflowing of water tanks, apparatus.
  • Leakage form Automatic Sprinkler Installation.
  • Burglary (followed by forcible violent entry/or exit to the insured premises

Exclusions Applicable:

  1. Applicable Deductibles as per policy
  2. War and invasion
  3. Explosives
  4. Ionising radiations and contamination by radioactivity
  5. Pollution or Contamination

Period of Coverage:

  1. Fire Policy is an annual policy, generally, renewable each year.
  2. Long Term policy (for a minimum period of three years) can be considered for covering "dwellings" only with suitable discounts in premium.
  3. Policy can be cancelled at any time during the currency with suitable refund of premium for the unexpired period.


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