This policy indemnifies against the accidental physical loss or damage to the property insured described in the policy. it includes loss or damage due to fire, lightning, aircraft, explosion, earthquake, strike, riot, civil commotion, malicious damage, storm, tempest, flood, bursting and or overflowing of water tanks, pipes and apparatus (including sprinkler leakage), impact by own vehicles, theft or attempted theft (by violent and forcible entry to or exit from the premises) and accidental loss or damage.The sum insured can either be on the basis of the actual value or the new replacement value of the property, but should be adequate to cover the total exposure. the insured can provide the sum insured,or may seek the assistanceof our technical staff to determine the adequacy.premiums are based on the type of occupancy, physical features, values at risk, requirement of additional covers. There is a deductible for each and every loss under the policy and coverage is subject to exceptions and exclusions, which form part of the policy terms and conditions. our technical staff will always be happy to assist you should you require additional information or further clarification.
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