A Fire policy (basic cover) will provide cover for damage or destruction to insured property by Fire, lightning or explosion of domestic appliances.
The Fire & perils is an extension of the basic cover and will extend to include the following additional covers:-
» Riot & Strike
» malicious damage
» Special Perils (water perils of flood, blocked drains etc)
Important information required in assessing a fire risk will include:-
» The value of 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.