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Image by Peter Yost


On Fire

COVER // 01


Fire, including due to its own fermentation, or natural heating or spontaneous combustion

Image by Johannes Plenio

COVER // 03


Lightning - Fire or any other damage caused to the property due to a peril like lightning is covered by the fire insurance policy

Tropical Storm

COVER // 05


Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Tsunami, Flood and Inundation - These violent destructions are also covered under fire insurance


COVER // 02


Explosion or Implosion - This policy protects against the loss caused due to explosion and implosion

Image by Jens Aber

COVER // 04
Earthquake, volcanic eruption, or other convulsions of nature

Image by Levi Meir Clancy

COVER// 06


Acts of terrorism - An act of terrorism means an act or series of acts, including but not limited to the use of force or violence and/or the threat thereof


  • Burning of Insured Property by any order of Public authority

  • Deliberate, wilful or intentional act or omission

  • Loss, destruction or damage to stocks in cold storage due to change in temperature

  • Loss, destruction or damage to insured property by undergoing any heating, drying process or centrifugal Forces

  • War, invasion, war-like operations

  • Ionising radiation

  • Pollution or contamination

  • Property is missing or has been mislaid

  • Consequential or indirect loss or damage

  • Costs, fees or expenses for preparing any claim

  • Insured premised or building remains unoccupied for more than 30 days

  • NOTE: these are exclusions of standard policy, and can be covered via additional riders paid additionally.

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