Our Insurance Covers

Fire & Perils Cover

The Fire Policy offers basic coverage for damage or destruction of insured property due to fire, lightning, or explosion of domestic appliances, providing financial protection to the policyholder.
Fire Perils Cover
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A Fire policy (basic cover) will provide cover for damage or destruction to insured property by Fire, lightning or explosion of domestic appliances.

The Fire & perils is an extension of the basic cover and will extend to include the following additional covers:-

  • Riot & Strike
  • Malicious damage
  • Explosion
  • Special Perils (water perils of flood, blocked drains etc)
  • Earthquake
  • Bush Fire etc.

Important information required in assessing a fire risk will include:-

  • The value of property (Buildings, contents like furniture, stocks etc)
  • The nature of business / occupancy of the building
  • The nature of construction.
  • Location of the premises
  • State of housekeeping
  • Fire Fighting appliances available.

We recommended our clients obtain a professional valuation of properties such as buildings, plant & or machinery to ensure that they are adequately covered.

Other items that can be insured under this policy include;

  • Loss of rent following a fire
  • Loss of contents of underground tanks following an earthquake and earthquake cover for the swimming pool.
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