The basic cover responds to loss or damage to property resulting from Fire, Lightning, Explosion, Earthquake Fire & Shock and Volcanic Eruption, Bush Fire, Riot, Strike, Malicious Damage, Special Perils (A to H) and Spontaneous Combustion.

Property covered includes: – Buildings, furniture, fixtures and fittings, plant and machinery, stock, etc.

Additional Covers include:

• Flood, water damage due to bursting or overflowing water tanks, apparatus and pipes.