Page 21 - Fire Insurance Ebook IC 57

The Insurance Times

discharge water when there is a fire. Water damage
caused thereby is payable as damage by the fire.

Bush Fire - Damage or destruction caused by Bush
Fire are covered under Fire policy.

Q7. What are the general exclusions under fire
policy?

Ans. There are nine exclusions under the policy. They
are:
(i) 5% (or minimum Rs.10,000) of each and every
claim resulting from the operation of Lightning/
STFI/ Subsidence & Landslide including
Rockslide covered under the policy, and the first
Rs.10,000 for loss under other perils. This is an
'excess' or 'deductible'.
(ii) Loss or damage caused by war, civil war and
kindred perils.
(iii) Loss or damage directly or indirectly caused to the
property insured by nuclear risks.
(iv) Loss or damage caused to the insured property by

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