Fire and Allied Perils Insurance offers comprehensive protection against damage caused by fire and other related hazards. This insurance is designed to safeguard property from a range of perils, ensuring financial support in the event of significant damage or loss.

Information Required

To obtain Fire and Allied Perils Insurance, provide:

• Property Details: Description of the insured property and its location.
• Valuation: The estimated value of buildings, contents, and stock.
• Risk Assessment: Information about potential risks and safety measures in place.

Key Coverage

• Fire Damage: Covers losses and damages directly caused by fire, including destruction of buildings, contents, and stock.
• Allied Perils: Includes protection against additional risks such as lightning, explosions, and natural disasters like earthquakes and floods.
• Extended Risks: May cover damage from riots, strikes, civil commotion, and malicious damage, depending on the policy.

Benefits

• Financial Protection: Provides compensation for repair or replacement of property damaged by covered perils.
• Comprehensive Scope: Covers both structural damage to buildings and damage to contents, including inventory and equipment.
• Peace of Mind: Ensures financial security and support during emergencies, helping businesses and property owners recover quickly.

Coverage Details

• Policy Limits: Specifies the maximum amount the insurer will pay for losses, which should reflect the value of the insured property.
• Exclusions: Common exclusions may include damage due to wear and tear, gradual deterioration, and losses not directly related to covered perils.

Key Exclusions:

While Fire and Allied Perils Insurance offers extensive coverage, it typically excludes certain risks, including:

• Wear and Tear: Damage resulting from normal wear and tear or gradual deterioration.
• Negligence: Losses caused by the policyholder’s negligence or failure to maintain the property.
• War and Terrorism: Damage resulting from acts of war, terrorism, or insurrection.
• Nuclear Risks: Losses caused by nuclear radiation or contamination.

Requirements for Fire and Allied Perils Insurance Coverage

To obtain Fire and Allied Perils Insurance, please provide the following:

• Duly Completed Proposal Form
• List and Breakdown of Items to be Covered: Include value separation and serial numbers where applicable.
• Copy of ID: Valid identification for the policyholder.
• Copy of TIN (Taxpayer Identification Number)
• Pre-Inspection Photos: Photos of the property and items to be insured.
• Number/Certificate/Valid NIDA ID
• Fire Brigade Report
• Premium Payment
• Additional Relevant Information: Any other details necessary for the policy.

In the Event of a Claim

For assistance with your claim, please contact us at:

• Phone: +255 718 422 229
• Email: claims@bluetickinsurance.com

Minimum Claim Requirements

To process your claim, please provide the following documents:

• TIN Number/Certificate/Valid NIDA ID
• Completed Claim Form
• Any Additional Documents Requested

Ensure that you have all required documents to facilitate a prompt and efficient claims process.