ProductsFire Insurance
Fire Insurance
Protection Against the Unexpected
About Fire Insurance
Fire insurance provides targeted financial protection against one of the most devastating risks to property. Our policies cover not just the direct damage from fire, but also smoke damage, water damage from firefighting efforts, and the costs of debris removal and temporary accommodation.
What's Covered
Direct fire damage to property
Smoke and soot damage
Water damage from firefighting
Explosion and implosion
Lightning strike damage
Electrical fire damage
Debris removal costs
Architect and surveyor fees
Temporary accommodation
Loss of rental income
General Exclusions
Arson or intentional fire-setting
Nuclear or radioactive contamination
War and civil commotion
Spontaneous combustion of goods
Frequently Asked Questions
Is fire insurance different from home insurance?
Fire insurance is a standalone policy focused specifically on fire-related perils. Home insurance is broader but may have lower fire coverage limits.
How quickly are fire claims processed?
We aim to process fire claims within 48 hours. An assessor will visit within 24 hours of filing your claim.
Does it cover electrical fires?
Yes, our Extended and Commercial plans cover electrical fires including those caused by faulty wiring or appliances.