Fire Policy Coverage
Misdescription of Property
If there is any material misdescription of any of the property hereby insured, the company shall not be liable for any loss or damage resulting therefrom.
Notice and Premium Receipt
The insured shall give notice to the Corporation/Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured. Unless such notice is given and the particulars of such insurance or insurances are stated in or endorsed on this policy by or on behalf of the Corporation/Company before the occurrence of any loss or damage, all benefit under this policy shall be forfeited.
No payment in respect of any premium shall be deemed to be payment to the insurer unless a printed form of receipt for the same, signed by an Official or duly authorized person of the insurer, has been given to the insured.
Exclusions from Insurance
This insurance does not cover the following:
- Loss by theft during or after the occurrence of a fire.
- Loss or damage to property occasioned by its own fermentation, natural heating, or spontaneous combustion (except as may be provided in accordance with Condition 7 ‘f’) or by its undergoing any heating or drying process.
- Loss or damage occasioned by or through or in consequence of:
- The burning of property by order of any public authority
- Subterranean Fire
- Loss or damage directly or indirectly caused by nuclear weapons material.
Force Majeure Exclusions
This insurance does not cover any loss or damage occasioned by or through or in consequence, directly or indirectly, of any of the following occurrences:
- Earthquake, volcanic eruption, or other convulsion of nature.
- Typhoon, hurricane, tornado, cyclone, or other atmospheric disturbance.
- War, invasion, act of foreign enemy, hostilities, or warlike operations.
- Mutiny, riot, military or popular rising, insurrection, rebellion, revolution.
Any loss or damage happening during the existence of abnormal conditions caused by or through any of the said occurrences shall be deemed to be loss or damage not covered by this insurance, except to the extent that the insured proves that such loss or damage happened independently of such abnormal conditions.