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National Fire Insurance

Consequential Loss (Fire) Policy

Salient Feature
Any one who gains by the preservation of the property and loses by its destruction i.e. a person having insurable interest can take out such insurance.
1. Individuals e.g. Houseowner, Shopowner, Warehouse owner etc.
2. Body Corporate e.g. Manufactures, Trading, Industry etc.
3. Boilers, Lessee

Scope of Cover
The policy provides protection against damages/fortuities triggered by the following perils:-
1. Fire -Excluding destruction or damage caused to the property insured by
• It´s own fermentation, natural heating or spontaneous combustion.
• It´s undergoing any heating or drying process.
2. Lightning
3. Explosion/Implosion
4. Excluding destruction or damage caused to the boilers (other than domestic boilers), by its own explosion/implosion.
5. Aircraft Damage
6. Destruction or damage caused by Aircraft, other aerial or space devices and articles dropped thereform excluding those caused by pressure waves.
7. Riot, Strike, Malicious and Terrorism Damage
8. Loss of or visible physical damage or destruction by external violent means directly caused to the property insured.
9. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation.
10. Impact Damage
11. Impact by any Rail/Road vehicle or animal by direct contact.
12. Subsidence and Landslide including Rock slide
13. Bursting and/or overflowing of Water tanks, Apparatus and Pipes.
14. Missile Testing operations
15. Leakage from Automatic Sprinkler Installations
16. Bush Fire

Excluding destruction or damage caused by Forest Fire.
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