Fire insurance

Loss or damage to the whole, or part, of the property (as noted on your policy schedule) that you own, or for which you’re responsible (including alterations made by you, as tenants, to the buildings and structures), due to:

• Fire, lightning or thunderbolt, subterranean fire, explosion or earthquake (this excludes damage due the underground workings of a mine).
• Special perils (storm, wind, water, hail and snow).
• Impact by animals or trees (except if the trees are being felled).
• Aerials, satellite dishes, vehicles, aircraft and other aerials or articles dropped from them.

• Architects and other professional fees.
• Automatic reinstatement.
• Capital additions.
• Demolition clearing costs.
• Disposal of salvage.
• Earthquake.
• Fire extinguishing charges.
• Labourers, contractors and employees’ actions or omissions done without your knowledge.
• Money and stamps (up to N$5,000), documents, manuscripts, plans, business books, designs, patterns, models and moulds, computer systems records and media.
• Mortgagees.
• Municipal plans scrutiny fees.
• Power surges and lightning strikes.
• Prevention of access.
• Property removed temporarily.
• Public authorities' requirements.
• Public supply connections.
• Railway and other subrogation clause.
• Rent and alternative premises.
• Reinstatements replacements.
• Security costs.
• Tenants' clause.
• Vehicle loads.
• Water heating and pipes.
• Weather related perils = storm, wind, water, hail and snow.

Loss or damage to property:

• Due to exposure to heating, drying or water processes.
• Due to a tsunami or tidal wave because of an earthquake.
• Due to the underground workings of a mine.
• Due to goods left in the open (unless the goods are designed for such use).
• Due to structures that aren’t completely roofed (unless otherwise noted on your policy schedule).
• Caused by volume changes in clay-based soil or rock.
• Caused by defects in design or construction or absence of approval from the relevant local authorities.
• Caused by retaining walls, drains or a constructed water course.
• Where demolition cover doesn’t cover the costs or expenses incurred in removing debris.
• Insured by any marine policy.
• Motors or electronic equipment (unless they’re part of your ‘stock in trade’).

Loss or damage to property due to or caused by:

• Escalation.
• Goods in the open.
• Leakage – First loss basis.
• Leakage – Full value.
• Malicious damage.
• Riots and strikes.
• Subsidence and landslip.