PrimeLink Insurance Agency | Fire and Perils Insurance
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Fire and Perils Insurance

Fire and Perils Insurance

Category:Non Motor

Description:

CLASS OF POLICY

Fire & Perils Insurance

PERIOD

 

From:                                      To:

COVER

Loss or damage by fire, lightning, bush fire, explosion, earthquakes, (fire and shock and          volcanic eruption), riot, strikes, malicious damage and perils (A-H) per policy.

INTEREST

BUILDINGS: This shall be deemed to mean and include; buildings, private gym, private steam bath, private jacuzzi, adjoining buildings, extensions, annexes, public utilities erected or in course of erection (including but not limited to building foundations, telephone, gas, water, electric instruments, meters, piping, fibre optic cables, cabling and the like and accessories including similar property in adjoining yards or roadways or boundary walls, fences, gates, landscaping costs), ornamental trees, electrical installations, plumbing, landlords fixtures and fittings, out buildings, car park sheds, paving slabs or tiles belonging thereto, (and earthquake shock cover only for swimming pool(s), underground water tanks which the insured is responsible within the Republic of Kenya and located at the physical address declared or endorsed on the Policy schedule.

Total sums insured                                         Ksh. ___________________

 

GENERAL CONTENTS: This shall be deemed to hard furniture, fixtures, fittings, soft furnishings, carpets, music systems, office machines but not limited to office machines, furniture, equipment, fax machines, computers, photocopies and accessories or property held on trust for which the insured is responsible, situated at the physical address stated in the schedule within the Republic of Kenya.

Total sums insured                                         Ksh. ___________________

INSURER

 

 

EXCESS

 

Earthquake 2% sums insured.

SPECIAL CONDITIONS & CLAUSES

 

 

v       Riots & Strikes

v       Malicious damage

v       Flood, storm, tempest, impact, and all specified perils (A-H)

v       Bush fire

v       Explosion

v       Earthquake (fire and shock)

v       All professional fees

v       Debril removal

v       Fire brigade clause

v       Books clause

v       Replacement value clause – contents

v       Reinstatement value clause – Buildings

v       Average clause – 85% condition

v       Employee effect clause

BASIS OF SETTLEMENT

 

 

  • Buildings   –   reinstatement
  • Plant & machinery – replacement