Secure your propertyProtect your property against loss or damage due
to fire, explosions and more.
      individual property fire insurance

      What's a Fire Policy?

      Fire insurance covers for loss of or damage to property resulting from fire, lightning, explosion, earthquake fire & shock and volcanic eruption, bush fire, riot, strike, malicious damage and special perils. For finer details and a complete list of coverage, exclusion, add on​ coverage please read the Standard Fire and Special Perils Policy
      What's in it for you?This policy provides coverage against financial loss or property damage caused by a fire or other covered special perils which include:
      • Aircraft damage, bush fire, impact damage and earthquakes
      • Subsidence and landslide including rockslide demolition
      • Bursting/overflowing of water tanks, apparatus, and pipes
      • Leakage from automatic sprinkler installation excluding loss, destruction, or damage
      • S​torm, cyclone, typhoon, tempest, hurricane, flood and inundation and tornado
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      How does it work?Below is what we do not cover:
      • Civil war, riot and strikes, unless specifically covered
      • Nuclear energy exclusion
      • Loss by theft during or after the occurrence of a fire
      • Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion
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      TALK TO USProtect your property against loss or damage due to fire, get a quote today.
      Want to know more about the Fire Policy?If you want to know more, we have answered questions you might have.
      • If you're interested in getting a quote for the policy, this is what we'll need from you:

        • The description of how the buildings are built from walls, roofs, number of floors, use and current reinstatement value
        • Description of the contents’ and their corresponding values
        • Plant, machinery or equipment replacement cost
        • Value of furniture, fixtures and fittings
        • Stocks of fuel and other products
      • This policy does not cover damage or loss due to:

        • Compulsory excess
        • War and Warlike perils
        • Nuclear and radioactive perils/losses
        • Pollution and contamination losses
        • Consequential loss
        • Volcanic eruption or other convulsions of nature
        • Theft during or after the occurrence of any insured peril
        • Loss or damage to the electrical machinery due to short-circuiting excess heating. However, resultant damages to other properties are covered.
        • Damage to Stocks in cold storage premises due to change in temperature
        • Spoilage from cessation of work/operation
        • Loss by theft during or after the occurrence of any insured peril
        • Burning of property by order of any public authority
        • Terrorism damage coverage​
        • Architects, Surveyors and Consulting Engineers Fees (in excess of 3% claim amount)
        • Removal of Debris (in excess of 1% claim amount)
        • ​De​terioration of Stocks in Cold Storage premises due to accidental power failure consequent to damage at the premises of Power Station due to an insured peril
        • Deterioration of stocks in cold storage premises due to change in temperature arising out of loss or damage to the cold storage machinery(ies) in the Insured’s premises due to operation of insured peril​
        • ​Forest Fire
        • Impact Damage due to Insured’s own Rail/Road Vehicles, Forklifts, Cranes, Stackers and the like and articles dropped there from
        • Spontaneous Combustion
        • Omission to Insure additions, alterations or extensions
        • Earthquake (Fire and Shock)
        • Spoilage Material Damage Cover
        • Leakage and Contamination Cover
        • Temporary Removal of Stocks Clause
        • Loss of rent clause
        • Insurance of Additional Expenses of Rent for An Alternative Accommodation
        • Startup Expenses
        • Escalation Clause


      UAP Insurance S.Sudan is a subsidiary of the UAP Old Mutual Group, EA, which is part of Old Mutual Limited (OML) a premium African financial services group that offers a broad spectrum of financial solutions to retail and corporate customers across key markets in 14 countries.
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