Standard Fire & Special Perils Insurance

Exclusions

• Fire due to own fermentation, natural heating or spontaneous combustion of the stocks or by their undergoing any heating or drying process

• Burning by order of any Public Authority

• Explosion of boilers or steam generating vessels & machinery subject to centrifugal force by its own explosion or implosion

• Pressure waves generated by aircraft

• Total or partial cessation of work/retarding/interruption of any process or operations arising out of riot, strike, malicious damage

• Burglary, house breaking, theft, larceny arising out of riot, strike, malicious damage

• Impact damages by rail/road vehicle/animal belonging to the insured or employee or any occupier of the premises

• Normal cracking, settlement, bedding down, up heaving of land/structures, coastal or river erosion, defective design, workmanship or use of defective materials

• Destruction or damage caused by forest fire

• Excess amount

• Loss or damage caused by war or war like situations

• Loss or damage by pollution or contamination except due to insured peril

• Loss or damage to electrical machine/apparatus, which is the source of fire

• Architects, Surveyors & Consulting Engineer's fees exceeding 3% and debris removal expenses exceeding 1% of claim amount

• Any consequential losses