This policy covers loss or damage caused by fire, including its own fermentation, natural heating or spontaneous combustion.

Losses caused by explosion or implosion are covered by this policy. Explosion occurs when internal pressure exceeds the external pressure while implosion occurs when external pressure is more than the internal pressure.

Fire or any other damage caused by lightning is also covered under this fire insurance policy.

Losses caused by earthquake, volcanic eruption, or other natural disasters are also covered.

This policy also provides coverage for losses due to violent storms, cyclones, typhoons, tempests, hurricanes, tornadoes, tsunamis, floods, and inundations.

Acts of terrorism, which include the use of force or violence and/or the threat thereof, are also covered under this policy.

Water damage - Fire insurance also covers loss and damage caused by water due to the bursting or overflowing of water tanks, apparatus, and pipes.

Sprinkler leakage - This policy also includes coverage for loss or damage caused by leakage from automatic sprinkler installations.

Theft - Theft within seven days from the occurrence of any of the insured events mentioned above is also covered by this insurance policy.

Damage caused by an order of a Public Authority is not covered by this policy.

This policy does not cover losses that are the result of deliberate, wilful or intentional acts or omissions.

Any loss, destruction or damage to goods in cold storage due to a change in temperature is not covered by this policy.

Any loss, destruction or damage to insured property as a result of undergoing any heating, drying process or centrifugal forces is not covered by this policy.

War, invasion or war-like operations are not covered by this policy.

Loss or damage caused by ionising radiation is not covered by this policy.

Any loss or damage caused by pollution or contamination is not covered by this policy.

Loss or damage caused by misplaced or missing property is not covered by this policy.

This policy does not cover consequential or indirect loss or damage.

This policy does not cover the costs, fees or expenses associated with preparing a claim.

If the insured premises or building remains unoccupied for more than 30 days, this policy will not cover any loss or damage that may occur during that period.