Secure your property with our standard fire and special perils policy
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10+ Add-Ons Available*
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Quick Claim Settlements*
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24/7 Customer Support
Standard Fire And Special Perils Policy
A Standard Fire and Special Perils Policy is insurance that protects your property from fire and other natural disasters. It's quite important because fire can cause severe damage, and a lot of that damage is irreparable.
Imagine you own a successful small shop that's growing well. You want to protect this valuable investment from unexpected events like fire or storms. Smart business owners choose fire insurance to safeguard their hard work and ensure their business can continue growing even if accidents happen.
This is where IndusInd General Insurance (formerly Reliance General Insurance) helps you. Our Standard Fire and Special Perils Policy gives you financial protection against such disasters. When you face a loss, we pay you money to rebuild and restart your business or repair your home. We have been serving customers across India for many years with our wide network of offices. Our team helps you choose the right coverage for your property and stands by you during difficult times.
Key Features and Benefits of IndusInd Standard Fire and Special Perils Policy
Comprehensive Fire Protection
Our policy covers all types of fire damage, including electrical fires, gas explosions and accidental fires. We protect your property and help you get back on your feet quickly after any loss, whether it's a kitchen fire or a big accident at work.
Natural Disaster Coverage
Beyond fire, we cover storms, cyclones, floods and earthquakes. These natural events can cause massive damage to your property. Our policy ensures you don't have to bear the financial burden alone when nature strikes your home or business unexpectedly.
24/7 Customer Support
Our service team is available round the clock to help you. Whether you need to file a claim at midnight or have questions about your policy on weekends, we are always there to assist you with prompt and helpful service.
Flexible Coverage Options
Pick a plan that fits your income and your requirements. We offer different sum insured options and add-on covers. Your insurance can be changed based on the type and value of your home, so you get the right coverage without having to pay extra.
Wide Network Coverage
With offices across India, we provide seamless service everywhere. Our extensive network ensures you can access our services whether you are in a big city or a small town. We have local representatives who understand regional needs and speak your language.
Who Needs a Standard Fire and Special Perils Policy?
Types of Properties Covered by the Policy
Residential Properties
- Independent houses and bungalows
- Apartments and flats in residential complexes
- Household contents, including furniture, appliances and personal belongings
- Temporary structures like servant quarters and garages
Commercial Buildings
- Office buildings and corporate headquarters
- Shopping malls and retail complexes
- Hotels, restaurants and hospitality properties
- Banks, financial institutions and service centres
Industrial Properties
- Manufacturing plants and production facilities
- Factories and processing units
- Power plants and utility installations
- Research and development centres
Storage and Warehouse Facilities
- Godowns and storage warehouses
- Cold storage facilities
- Distribution centres and logistics hubs
- Agricultural storage facilities
Educational and Institutional Properties
- Schools, colleges and universities
- Hospitals and healthcare facilities
- Government buildings and public institutions
- Religious buildings and community centres
Inclusions and Exclusions of Standard Fire and Special Perils Policy
What Does it Cover?
Fire: Damage from accidental fires, electrical fires, gas explosions and lightning strikes
Bush Fire: Wildfires and forest fires spreading to your property from nearby areas
Lightning: Direct lightning strikes cause fire or explosion damage to your insured property
Sprinkler Leakage: Accidental water damage from automatic fire sprinkler system activation and leakage
Storm and Flood: Cyclones, hurricanes, tornadoes, storms, floods and heavy rainfall damage to property
Subsidence: Ground collapse, landslides and rockslides cause damage to building structures and foundations
Water Tank Burst: Overflow or bursting of water tanks, pipes and plumbing systems damage
Impact Damage: Vehicle crashes, falling trees or animals colliding with your insured property structures
Explosion/Implosion: Damage from boiler explosions, gas cylinder bursts and pressure vessel failures
Aircraft Damage: Property damage caused by aircraft crashes or objects falling from aircraft
Riot and Strike: Damage during riots, strikes or malicious acts by miscreants and protesters
What Does it Not Cover?
Wear and Tear: Normal ageing, gradual deterioration and routine maintenance issues affecting insured property
Poor Construction: Defective design, faulty workmanship and use of substandard building materials, causing damage
Electrical Damage: Short circuits, power surges and electrical faults affecting only the damaged equipment
Vacant Property: Damage to buildings left empty and unoccupied for more than thirty consecutive days
Consequential Loss: Business interruption, loss of profits and indirect losses from property damage events
Cold Storage: Temperature change damage to goods stored in refrigerated and cold storage facilities
Pollution: Environmental contamination and toxic substance damage not resulting from covered fire perils
Earthquake: Ground shaking, earth movement and seismic activity damage to buildings and structures
Theft: Burglary, robbery and stealing during or after the occurrence of any covered peril events
War & Nuclear Risks: War, invasion, military operations, nuclear explosions and terrorist attacks damage
From fire to floods, we’ve got you covered
Call now before the unexpected happens
Optional Add-on Covers Available
Architects, Surveyors and Consulting Engineers Fees
Coverage for professional fees beyond 3% of your claim amount for rebuilding assistance.
Removal of Debris
Protection for cleanup costs exceeding 1% of your claim amount after fire damage.
Deterioration of Stocks in Cold Storage
Coverage for spoiled goods due to power failure or temperature changes from covered perils.
Spoilage Material Damage
Coverage for goods damaged due to interruption of manufacturing or storage processes.
Temporary Removal of Stocks
Protection for goods temporarily moved for repairs, cleaning or similar purposes.
Loss of Rent Coverage
Compensation for rental income lost due to property damage from covered perils.
Omission to Insure
Automatic coverage for new additions or extensions you forgot to add separately.
Start-up Expenses
Protection for extra costs needed to restart business operations after damage.
Escalation Clause
Automatic increase in sum insured to match inflation and rising property values.
Alternative Accommodation Expenses
Coverage for additional rent costs when relocating due to property damage.
Forest Fire Coverage
Protection against losses caused by natural forest fires spreading to your property.
Impact Damage Coverage
Coverage for damage from your own vehicles, forklifts, cranes and dropped articles.
Spontaneous Combustion
Protection against fires starting naturally from stored materials without external ignition sources.
Earthquake Coverage
Protection against fire damage and shock damage caused by earthquake tremors.
How to Purchase Our Policy
Contact IndusInd General Insurance through phone, website or visit the nearest branch office.
Share your property details, business type, location and coverage requirements with a representative.
Alternatively, you can also enter the details about your business type, location and coverage requirements below.
Review policy terms, coverage limits, exclusions and premium quotes provided by the company.
Submit required documents like property papers, business license and identity proof copies.
Pay the premium amount through online, cheque or cash and receive a policy document.
How to File a Claim
Immediately notify IndusInd General Insurance within 15 days of loss or damage.
Submit a written claim form with a detailed list of damaged items and estimated loss.
Provide supporting documents like bills, photos, police reports and other required papers.
Allow the company surveyor to inspect the damaged property and assess the actual loss amount.
Receive claim settlement after the verification process and company approval of your claim.
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Key Takeaway
Your home and business are your most valuable investments that deserve proper protection. Every year, thousands of properties in India face unexpected challenges from fires, storms and natural disasters. Smart property owners understand the importance of having reliable insurance coverage.
A Standard Fire and Special Perils Policy is your smart financial protection that keeps you secure. When you have the right insurance, you don't have to worry about what might happen to your home or business.
IndusInd General Insurance (formerly Reliance General Insurance) understands these challenges and offers comprehensive fire insurance that truly protects you. We provide quick claim settlement within 24 hours*, have offices across India for easy access and offer 24/7 customer support* whenever you need. Our instant claim processing through the IndusInd Insurance Self-i app makes filing claims simple and fast. Our flexible coverage options fit every budget and requirement.
Make the smart choice today. Protect your valuable property with IndusInd General Insurance. Our team will help you choose the right coverage and stand by you during challenging times.
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