Fire Insurance
Fire and property insurance
This cover pays you or your business if fire or lightning damages the insured property: the building, stock, machinery, and other contents. It can also pay to replace, rebuild, or repair that property.
Depending on the policy and the premium, it can include damage to nearby structures, personal belongings, and the cost of not being able to live in or use the property. Homes, shops, and factories can be covered. We can survey and inspect the property. Proposal and inspection forms are in Downloads.
Extra cover you can add, depending on the premium
- Riots and strikes
- Malicious damage
- Explosion
- Aircraft damage
- Loss of rent
- Earthquake, including fire and shock
- Impact damage
- Burglary and housebreaking
- Electrical clause B
- Removal of debris
- Atmospheric disturbance, such as flood or inundation
What the basic policy does not cover
Theft and burglary are not in the basic policy. You can add burglary and housebreaking as extra cover.
- Theft and burglary, unless you add that extra cover
- A deliberate act
- Gross negligence
- Loss of bullion, documents, currency, and similar items
- Loss of earnings, or business interruption
- War and war-like events
- Terrorism, civil commotion, a popular or military rising, insurrection, and similar events
- Nuclear or biological causes
- Spontaneous combustion
- Loss or damage ordered by a public authority
- Misrepresentation
Other property covers
- Property all risks
- Comprehensive machinery insurance
- Loss of profit after a fire (business interruption)
- Terrorism
- Hotel owner's all risks
- Home insurance