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FIRE & ALLIED PERILS
This is a standard insurance fire policy covering property against damage or destruction caused by fire, lightning or explosions.
Scope of Cover
Fire & Special Perils covers damage to the property insured caused by the following perils;
Fire (actual combustion)
Lightening
Earthquake
Explosion
Riot and strike/malicious damage
Special perils A to H which include hail, snow, wind, hurricane, cyclone, tornado or typhoon, flood or rain, impact, aircraft or articles falling and subterranean fire
What is insured under fire insurance
Buildings
Machinery
Stocks
Office contents
Partitioning
Household items
Furniture, fixtures and fittings
Extensions of Cover
Fire & Perils cover may be extended to include:- a) Rent Payable/Rent Receivable
- Rent Receivable is the actual rent the insured receives at the time of the event in respect of the insured premises or part of it.
- Rent Payable is the actual rent the insured pays to the owner or landlord of the insured premises
- Escalation
- This is a provision allowing for an increase in prices under certain conditions, such as inflation.
For assistance, contact our Customer Care teams on 0711-030140 and/or 0711-030105, email customercare@directline.co.ke or visit us at our various branches.