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Fire Insurance

Fire insurance policy covers damage and losses caused by fire. It helps to cover the cost of replacement, repair or reconstruction of property.

Property that can be covered under this insurance is as below:
Building /Structure including Plinth and Foundation, Boundary Walls, Water Tanks, Internal Roads, Parking
Contents including Plant and Machinery, Furniture, Fixtures, Fittings, Electronic items like AC, Refrigerator, TV, Personal Computer
Utilities – like DG Set, Air Conditioning Plant, and Transformer
Stock including Raw Material, Stock in Process, Finished Stock, Packing MaterialRead More

Fire Insurance protects from the damage:
• During or immediately following a fire caused by Smoke, Heat, Scorching and falling walls.
• Due to Water or any other extinguishing media used in putting out fire.
• Due to collapse of Floors and roofs consequent to fire.
• To property whilst being removed from the burning building in an effort to mitigate the loss.

Forms of policy:
a) Single year policy
b) Long term policy: issued for a period between 3 years to 20 yearsRead Less

Coverages

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Policy Coverages

    Fire - (Excluding destruction or damage due to its own fermentation, natural heating or spontaneous combustion, undergoing any heating or drying process, burning of property ordered by Public Authority

    Lightning - (with or without actual ignition)

    Explosion/Implosion - (Excluding damage to non-domestic boilers vessels, machinery or apparatus in which steam is generated, damage due to centrifugal forces)

    Aircraft Damage - (Inclusion: aerial or space devices, Exclusion: Loss due to pressure waves)

    Riot, Strike, Malicious and Damage - (Inclusion: visible physical damage or destruction by external violent means, Exclusion: Total or partial cessation, interruption of work , Burglary, housebreaking, theft, larceny and omission)

    Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation - (Exclusion: Cracking, Faulty design etc.)

    Impact Damage - (by any Rail/ Road vehicle or animal)

    Subsidence and Landslide including Rock slide

    Bursting and/or overflowing of Water Tanks, Apparatus and Pipes

    Missile testing operations

    Leakage from Automatic Sprinkler Installations

    Bush Fire

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General Exclusions:

    • Compulsory Excess  i.e. policy deductibles
    • War & War group of perils
    • Nuclear group of perils
    • Pollution and Contamination
    • Bullion or unset precious stones, manuscripts etc.
    • Other specified exclusions
    • Electrical or Mechanical breakdowns
    • Loss of earning, market or other consequential loss etc.
    • Loss or Damage due to Earthquake, Volcano or other convulsions of nature
    • Loss, destruction or damage to the stocks in Cold Storage premises caused by change of temperature.

Disclaimer

This contains only an indication of the cover offered. For complete details on risk factors, terms, conditions, coverages and exclusions, please read the sales brochure carefully before concluding a sale.ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. ICICI Lombard General Insurance Company Limited, ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025. . IRDA Reg.No.115. Toll Free 1800 2666. Fax No – 022 61961323. CIN (L67200MH2000PLC129408). customersupport@iciclombard.com. www.icicilombard.com. STANDARD FIRE AND SPECIAL PERILS INSURANCE POLICY (MATERIAL DAMAGE), 1001, UIN Commercial- IRDAN115CP0045V01201920, UIN Retail - IRDAN115RP0016V01200708)Read More

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