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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:
  1. 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
  2. Escalation
  3. 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.

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