Oman United Insurance

Fire & Allied Peril Insurance

It takes fraction of second for a Fire to reduce everything you own to ashes, and would take months for you to rebuild. In such situation you need a reliable support to fall back on.

Oman United Offers ‘Fire Insurance Policy’ which will support in such trying times. This Policy safe guards you against the loss and/or damage that can arise due to a fire, lightning, explosion/implosion or other extended risks.

You need to insure building & permanent fixtures at reinstatement value.

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Fire Insurance Policy is designed to protect your property against wide range of unpredictable perils/events which could cause damage or distractions of insured property. Fire Policy covers loss or damage to Buildings, Furniture, Fixtures and Fittings, Plant & Machinery, Tools, Instruments and accessories Electrical Installations, Stocks due to Fire and any additional named perils.

Key Benefits

Standard Fire Insurance Policy provides coverage against loss of or damage to your tangible assets e.g. Building, Fixtures, Fittings and Furniture, contents including gates, Fences, Car parks within insured premises caused by a fire, Lightning, Explosion/Implosion or other named perils.

In addition to above Oman United offers Add-on covers/benefits like:

Storm, Tempest and Flood.
Earthquake.
Bursting/overflowing of water pipes, tanks, apparatus, pipes.
Aircraft/other aerial devices dropped there from.
Theft / Burglary Risk following forcible and violent entry or exit from the premises.
Riot, Strike and malicious damage.
Impact Damage.
Loss of Rent .

Key Exclusions

Loss or damage to property occasioned by its termination.
Nuclear risks.
War and Terrorism .
All kind of Political risks including but not limited to the Terrorism & Sabotage .
Asbestos Clause.
RADIOACTIVE Contamination, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons.
Normal Wear and Tear .
Inherent defects.
Fines/ Penalties on the insured.
Date Recognition Clause.
Any direct or indirect loss by infectious disease, outbreak of epidemics &pandemics.
Bullion or precious stones.

This is not an exhaustive list. Please refer policy wordings for detailed coverage, exclusions and conditions.

Download Section

– Fire Policy - Wording