Standard fire perils include - fire, lightning, aircraft and explosion. Extended Coverage perils are available in the market for an additional premium charge. All companies have incorporated average clauses into their policies. Demand for cover is increasing. Local or German Machinery Breakdown wordings.
Product Liability is available.
No longer automatically included under the standard Fire policy. Property Damage is not compulsory. Coverage applies to the Insured and any licensed individual driving with the Insured's permission. Medical Expenses and Occupational Disease benefits are payable under the Scheme. Limited but some Insurers will write fidelity, burglary, etc.