Risk covered under Fire Insurance: Mr.Anuj Tyagi, HDFC Ergo General Insurance

Risk covered under Fire Insurance

* Fire insurance  is  widely known that fire insurance covers buildings & their contents.

* Building not only covers the structure. But also the permanent fixtures, sanitary fittings &  such other permanent fittings.

*  Garages, covered porches, canopies & even boundary walls can be covered under the fire policy.

* It can also cover private roads, swimming pools &  foundations.

* Though foundations don't carry any fire risk, the same is susceptible to damage from earthquake.

* All these properties need to be declared specifically while seeking insurance. It is a location-specific policy, which means, the property declared to be lying at any particular premises under the policy, will not be covered under the policy if the same is moved out of that premises.

* This is one of the policy which is still under regulatory control and, hence, the coverage offered & the policy wordings will essentially be uniform across the country.

* Risk covered under fire insurance:

Most fire insurance policies for residential buildings provide cover against damages caused by fire, lightening, explosion / implosion, aircraft damage, riot / strike / malicious damage, STFI, impact damage, subsidence / landslide, bursting & overflowing of tanks, missile testing, leakage from automatic sprinklers and bush fire.

* Many of insurers offer add-ons to the basic fire insurance policy. An add-on gives additional cover for risks not stated in a basic policy.

By Mr. Anuj Tyagi, Head corporate, rural & agri business, HDFC Ergo General Insurance

HDFC ERGO General Insurance Company Limited.

6th Floor, Leela Business Park,. Andheri Kurla Road,

Andheri(East), Mumbai 400 059.

Phone: +91 22 6638 3600

Fax:+91 22 6638 3699

For Queries & Service Request

 Policy Copy

 Change in Policy

 Policy Renewal

 Policy Cancellation

Product Information

Toll Free : 1800 2 700 700 Email : care@hdfcergo.com

Health - HCS Cardholder (Health policy purchased after 1st April 2012)

Toll Free           :            1800 200 1 999

Phone (UAN)     :            1860 2000 700 (Local charges applicable)

Fax (UAN)         :            1860 2000 600 (Local charges applicable)

Email    :            healthclaims@hdfcergo.com

Address            : HDFC ERGO General Insurance Co.Ltd.

6th floor, MBC Tower, Old No.90, New No.199, Luz Church Road,

Mylapore, Cheenai - 600 004 Tamil Nadu, India

FHPL Cardholder (Health policy purchased before 1st April 2012)

Toll Free           :            1800 425 4075

Fax       :            +91 44 3013 6747

Email    :             info@fhpl.net

Address  Family Health Plan(TPA) Ltd.

  Srinilaya - Cyber Spazio,

  Suite no 101, 102, 109 & 110,

  Ground Floor, Road No.2, Banjara Hill, Hyderabad - 500 034

Travel

Toll Free           :           186 620 24700 (Only for USA & Canada)

Phone   :           +91 11 41898872 (For other countries)

Email    :           hdfcergo@internationalsos.com

Motor & Other

Toll Free           :           1800 2 700 700

Email    :           care@hdfcergo.com

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