Fire & Allied Perils Insurance

Fire & Allied Perils Insurance

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Fire & Allied Perils Insurance

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Declaration Policy

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Fire Insurance Policy

THIS POLICY WITNESSTH THAT in consideration of the sum of premium stated in the Schedule attached, paid to the First National Insurance (General) Company Limited, hereinafter called, “the Company” by the Insured named in the Schedule TO INSURE AGAINST LOSS OF OR DAMAGE BY FIRE OR LIGHTNING to the PROPERTY described in the sum or several sums as per the Schedule, the Company hereby agrees with the Insured subject to the conditions printed on the back hereof and endorsed thereon which are to be taken together as part of the Policy, that if the Property herein described shall be destroyed or damaged by FIRE OR LIGHTNING, the Company shall be liable TO PAY OR MAKE GOOD to the Insured the Value at the time of happening of such loss of the Property so damaged or the Amount of such damage which shall or may happen during the PERIOD OF INSURANCE stated in the Schedule or during any SUBSEQUENT PERIOD for which renewal premium has been received by the Company, not exceeding in respect of the matter or matters above specified the sum or sums set opposite thereto respectively and not exceeding in the whole the sum insured stated in the Schedule.

N.B.           Any Warranties to which the Property insured or any item thereof is or at any time be made subject shall attach and continue to be in force during the whole of the currency of the Policy and non-compliance at any time with any of the Warranties shall be a bar to any claim in respect of such Property or item.

Checked  By: Authorised Official

 

Fire Insurance Policy Schedule

 

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Things to do in case of Fire Insurance compensation

1. In the event of a claim, you must notify the following telephone number immediately (if any)
Claim Hot Line  – 09 940777888
2. Attach the following documents along with the Fire Insurance claim form

  1. Local authority; Loss of fire department and people’s police force Reasonable endorsement
  2. List of damage estimates of the building.
  3. Furniture Machinery Inventory of inventories; Inventory and Value List.
  4. Inventory and value statement of the day before the fire.
3. In case of damage caused by cyclone (v.strom), monsoon recommendation.

Fire Insurance Proposal

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Fire Insurance Proposal Attached

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Premium Calculator

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Frequently Asked Questions

How Fire & Allied Perils Insurance premiums are calculated?
Fire & Allied Perils Insurance premiums are calculated based on class of building, its use and adjacent ricks (surroundings).
What are the insurance periods for Fire & Allied Perils Insurance?
The insurance periods for Fire & Allied Perils Insurance are a minimum of 1 day to a maximum of 1 year.
What type of buildings can be insured?
Houses, shops, factories, apartments, and properties can be insured in Fire & Allied Perils Insurance.
What are the requirements for Fire & Allied Perils Insurance?
The requirements for Fire & Allied Perils Insurance are – For a dwelling house leased from the owner, true copy of the lease. For leased warehouse or factory true copy of the lease and fire-fighting programme. For goods, machineries, furniture lists and invoices.
Is there additional coverage in Fire & Allied Perils Insurance?
Riot, Strike, and Malicious Damage, Burglary, All kinds of Storm, Flood and Inundation, Earthquake Fire, Spontaneous Combustion such as extra (11) types of insurance can be purchased by Fire & Allied Perils Insurance.
What kind of insurance is Fire & Allied Perils Insurance?
This class of insurance compensates for losses of or damage to homes, buildings and properties owned by you in the events of accident thereto by Fire.
What are the benefits for Fire & Allied Perils Insurance for buildings?
By Fire & Allied Perils Insurance, the insured will get compensation for loss/damage of building due to accidental fire, the spread of fire from other sources, fire by lightning, and a gas explosion for domestic purposes only.
What are the benefits for Fire & Allied Perils Insurance for properties?
By Fire & Allied Perils Insurance, the insured will get compensation for loss/ damage to properties caused by fire-fighting foam etc. or water, loss/ damage to properties whilst being removed from the burning buildings, loss/ damage caused by or in connection with official duties discharged by fire-fighters, loss/ damage to roof, floor, walls because of the fall caused by fire, and loss/ damage to the properties removed from and placed outside the burning building caused by rain or bad weather.
What are the compensations for Fire & Allied Perils Insurance?
In the event of a total loss full amount of the sum insured will be paid while a partial loss will be paid, based on the part lost or damaged.
Is there no-claim bonus for an insured?
In case there is no claim during one-year insurance period 25% of the fire insurance premium will be reduced for the renewing year.

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