Iffco Tokio's Fire and Special Perils Insurance Policy provides protection to property against damage resulting from the following perils: 1. Fire 2. Lightning 3. Explosion/ Implosion 4. Aircraft Damage 5. Impact Damage 6. Bush Fire 7. Riot, Strike and Malicious Damage 8. Storm, Cyclone, Flood, Inundation etc. 9. Subsidence, landslide, Rockslide 10. Missile Testing Operations 11. Bursting and /or Overflowing of Water Tanks, Apparatus and Pipes 12. Leakage from Automatic Sprinkler Installation On payment of additional premium, Policy can be extended to cover among others, the following perils: 1. Earthquake 2. Terrorism 3. Debris Removal 4. Architects fees 5. Spontaneous Combustion 6. Escalation 7. Loss of Rent 8. Leakage and Contamination Property which can be covered are: 1. Building 2. Plant , machinery and equipments 3. Goods held in trust or commission 4. Stock in trade ( raw materials, stock in process, finished goods) 5. Furniture fixtures, fittings and electrical installations 6. Any other item specifically declared Different types of Fire Policies are: Floater Policy provides the coverage of stock stored at a number of locations under single Sum Insured. Declaration Policy provides the coverage where the value of stock is fluctuating. Value of the stock is to be declared every month and the premium is adjusted on the mean average at the end of the Policy period Floater Declaration Policy provides the coverage where the combination of the above two preceding covers is required. The minimum Sum Insured should be Rs.2 crore. Exclusions The Policy does not cover: Gold or silver articles, watches, jewellery, precious stones, models, coins, curios, sculptures, manuscripts, plans, medals, moulds, designs, deeds, bonds, bills of exchange, cheques, money, securities, stamps, business books or papers, unless specifically insured Loss of earnings, loss by delay or any other consequential loss. Pollution or contamination Loss due to the war and nuclear group of perils. First 5% of each and every claim subject to minimum of Rs.10, 000/- in respect of each and every loss arising out of Act of God perils and a flat Rs.10, 000/- for other losses. Please note Immediate notice should be given by you regarding: Change in the nature of occupation If the insured building remains unoccupied for more than 30 days. If the interest in the property passes from you otherwise than by will or operation of law. Claims You should give immediate notice to the Fire Brigade and Police and also arrange within 14 days to submit to us the full details of your claim in respect of loss or damage sustained. You should also tender to us and/or the Surveyor deputed all reasonable information, assistance and proofs in connection with any claim. Documents required for settlement of claims: Claim Form, Books of Accounts Police Report, Fire Brigade Report Survey Report

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