This policy provides Financial Protection against damage or destruction to insured property arising from Fire, Lighting or explosion of domestic appliances

The Fire and Perils is an extension of the basic cover that extends to include the following:-

Riot & Strike

Malicious Damage

Explosion

Special Perils (water perils of flood, blocked drains, etc

Earthquake cover

Bush fire, etc

WHAT TO CAPTURE WHEN THINKING OF FIRE & PERILS INSURANCE

Your buildings

Your outdoor signs

Your furniture, fixtures and fittings 

Your equipment & machinery

Your stock in trade

Inventory

Your fence and landscaping

Goods held in Trust

Other's property

OTHERS THAT CAN BE INCLUDED UNDER FIRE & PERILS

Loss of Rent following a fire

Earthquake Extension

IMPORTANT INFORMATION REQUIRED FOR ASSESSMENT AND RATING OF THE RISK INCLUDES:-

The value of the 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

REQUIREMENTS

Duly completed proposal form

insured's ID and PIN

Business survey where necessary

CLAIM PROCESS

Report incident/loss within 3 days of happening

Provide all necessary claim documents (police abstract, claim form, books of records of stock and receipts for purchases of these stock in trade