Basic cover:

• Fire
• Lightning
• Explosion(domestic)

Damage during or immediately following

• Fire caused by – smoke, scorching,
• Falling walls, water used for extinguishing
• Fire, blowing up building for preventing
• Spread of fire.
• This coverage can be extended to include other perils by the additional premium;
• Riot, Strike
• Terrorism
• Storm, Flood
• Subsidence
• Landslide
• Aircraft damage
• Bursting or overflowing of tanks.

Exclusions
Fire due to

• Explosion except boiler used for domestic purpose
• Spontaneous combustion
• Earthquake fire
• Subterranean fire
• Own fermentation or heating
• Flood & Cyclone

Specific Exclusions

• Riot, Civil Commotion, War, Invasion, Act of Foreign Enemy, Civil War, Rebellion, Revolution, Insurrection etc.
• Radioactive Contamination

Basic Elements of Fire Rating from Tariff:

1. Interest
2. Construction
3. Occupation
4. Location