Fire
Provides comprehensive cover to safeguard your Building against loss or damage caused by a wide range of perils as follows:
| 1. | Fire |
| 2. | Lightning |
| 3. | Explosion |
| 4. | Aircraft |
| 5. | Earthquake |
| 6. | Vehicle Impact (by third party vehicle) |
| 7. | Riot & Strike |
| 8. | Malicious Damage |
| 9. | Typhoon & Windstorm (including Flood occasioned thereby) |
| 10. | Bursting or Overflow of Water Tanks, Apparatus & Pipes |
| 11. | Sprinkler Leakage |
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| Optional Covers |
| 12. | Landslip & Subsidence |
| 13. | Flood |
| 14. | Bush Fire |
| Excess |
| We shall not cover the first HK$3,000 in respect of perils no. 5, 6, 9, 10 & 13 and HK$10,000 or 10% of loss whichever is the greater in respect of perils no.12 |
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| Major Exclusions |
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war & nuclear weapons material |
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ionising radiations or contamination by radioactivity |
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pollution or contamination not resulting from an insured peril; |
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theft during or after the occurrence of a fire |
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damage to any electrical machine, apparatus, or any portion of the electrical installation arising from or occasioned by its own over-running, excessive pressure, short circuiting, self heating, arcing or leakage of electricity arising from whatever cause |
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consequential loss or damage of any kind or description |
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This summary gives only an outline of the terms and conditions of the insurance cover and any information given herein is subject to the precise terms and conditions in our Policy, a specimen copy of which will be furnished to you on request.
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