ابدأ بالتواصل مع الأشخاص وتبادل معارفك المهنية

أنشئ حسابًا أو سجّل الدخول للانضمام إلى مجتمعك المهني.

متابعة

What is the difference between fire insurance and all risk insurance?

user-image
تم إضافة السؤال من قبل hani jambi , jeddah , الوثيقة المعتمدة للوساطة
تاريخ النشر: 2017/01/28
ايمن محمد عاطف محمد
من قبل ايمن محمد عاطف محمد , Director of the control and regulation unit , ACOLID

Fire insurance: cover the risk of loss or damage caused by fire and lightning only.. The insurance policy against fire hazards associated with: In addition to the coverage of the previous fire document above, this type of documentation also covers a number of additional risks that may vary from one insurance policy to another, but the risk is mostly include the following:    Explosion    Storm, storms, flood    Earthquakes, volcanic eruptions    Dropping aircraft or air or other materials personal computers, or a private third party, or vehicles or horses or cattle    Explosion or flood water tanks or pipes or devices    Loss of profits / business interruption    Loss of rent    Legal liability to a third party, including liability towards the landlords of tenants    The responsibility of tenants to landlords    Strikes, riots and civil unrest    Intentional torts    Theft accompanied by forcibly broke into or out of the insured building    Accidental damage to fixed glass panels buildings    The expenses of removing debris after a loss or damage to property insured    Firefighting expenses    Engineering and legal consulting fees, and those responsible for the survey and the survey and architects

مستخدم محذوف‎
من قبل مستخدم محذوف‎

Fire insurance will cover any loss resulted from a fire, that will include the actual fire damage, the damage resulted from the fire extinguishing system, falling objects on third partied resulted in medical expenses, and the list goes on and on.

All risk insurance is a broader term sometimes referred to as (special perils insurance), the wording of the policy will not include include covered risks, but exclude certain risks not to be covered.  

Mamoun elbaghir abdalla mhamad Eltayeb
من قبل Mamoun elbaghir abdalla mhamad Eltayeb , Insurance agent / Producer , Albaraka Insurance Company

Fire insurance is a main type of insurance classes and has a separate insurance policy that insure and covers fire perils plus allied perils .

While all risk insurance are various types of insurance classes such as marine all risks and contractors all risks which covering specific perils related to the subject matter of insurance and /or interest insured , and the fire peril is embedded in the cover .

Also I may add , that the all risks insurance policies mentioned above are covering all risks and excludes some others depending on the insurance policy conditions .

Thanking you .

Abdelfattah mohamed hassan Abdelhafez
من قبل Abdelfattah mohamed hassan Abdelhafez , مدير عام ببنك القاهرة بالمعاش حاليا , بنك القاهرة - المركز الرئيسي

I agree with what the insurance of experts of Aley

المزيد من الأسئلة المماثلة