Fire & Special Perils Insurance

Fire & Special Perils Insurance

A fire insurance policy in its standard form covers only three types of risk resulting from:

  • Fire (whether resulting from explosion or otherwise)
  • Lightning
  • Explosion of boilers or gas used for domestic purposes for lighting or heating the building as long as the building does not form part of a gas work.


On the payment of an additional premium, the following perils are coverable under the fire policy: Storm, Flood, Burst Pipes and overflowing of water tanks, impact by vehicles, malicious damage, Earthquake damage, Aircraft damage, Bush Fire, Explosion, Tornado and Cyclone, Riot and Strike.

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