Fire and special perils policy is an insurance policy that protects the insured against unexpected loss that might arise from fire, lightning, explosion (domestic). The policy also covers the following perils destruction or damage caused by aerial devices, riots, strike and civil commotion, bursting and/or overflowing of water tanks, storm, flood, earthquake, bush fire, malicious damage, impact by vehicles and explosion.
The policy ensures protection of fixed assets such as buildings and contents against physical loss or damage by fire; and floating assets such as stocks as well.

Special Perils, for additional premiums, may be added to the standard fire policy.
They include:

  • Storm
  • Flood
  • Explosion
  • Burst pipes and overflowing of water tanks etc.
  • Impact by vehicles
  • Malicious damage
  • Earthquake damage
  • Aircraft damage
  • Bush fire
  • Riot & Strike

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