MEANING OF FIRE

MEANING OF FIRE
For purposes of insurance, fire means:

1. Fire (whether resulting from explosion or otherwise) not occasioned or happening through:

(a) Its own spontaneous fomentation or heating or its undergoing any process involving the application of heat;

(b) Earthquake, subterraneans fire, riot, civil commotion, war, invasion act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power.

2. Lightning.

3. Explosion, not occasioned or happening through any of the perils specified in 1 (a) above.

      (i) of boilers used for domestic purposes only;

     (ii) of any other boilers or economisers on the premises;

     (iii) in a building not being any part of any gas works or gas for domestic purposes or used for                  lighting or heating the building.

The policy of insurance can be made to cover any of the excepted perils by agreement and payment of extra premium, if any. Damage may also be covered if caused by storm or tempest, flood, escape of water, impact and breakdown of machinery, etc., again by agreement with the insurer.

Usually, fire policies covering stock or other assets do not cover explosion of boilers used for domestic purposes or other boilers or economizers in the premises but policies in respect of profit cover such explosions.