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 swmming pool.

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