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Fire insurance

A traditional and a time-tested policy that offers cover against fire and allied perils of nature. This policy covers your building, fixtures and fittings, and household contents, of every description

What it Covers

The standard cover is a named-peril policy covering the following perils at an additional premium depending on the merits of the risk involved.

Fire and lightning
Electrical extra
Aircraft including damage caused by any article dropped therefrom (excluding pressure waves)
Riot , strike, and terrorism
Cyclone, storm, tempest, hurricane, typhoon, tornado, volcanic eruption, tidal waves and tsunami
Flood damage
Impact damage caused by vehicle or animal (other than owned)
Malicious damage
Escape of water from tanks, pipes and apparatus

Basis of sum insured

The sum insured must represent the new reinstatement value of the property. Paintings, antiques and other similar items could be covered for an agreed value.


Particulars of cover and exclusions given above are not complete or exhaustive. For more details please call us on 0112 428 428 or visit one of our nearest branches.

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