What is insured?

Damage to insured Property as a result of:

  • Fire, Lightning, and/or Explosion
  • Allied Perils such as aircraft/aerial devices dropped; riot/strike/locked out workers; Malicious damage; Earthquake/ Volcanic eruption; Storm/Tempest/Flood; Escape of water from Tank/Pipe; Impact by any road vehicle/Animal

What is not insured?

  • Loss of earnings/Consequential Loss
  • Acts of terrorism
  • War, Invasion or warlike operations
  • Ionising radiation or contamination by radioactivity
  • Nuclear weapons
  • Short-circuiting/Self heating, leakage or electricity
  • Precious goods held in trust or on commission by the Insured/family members

Where am I covered?

Within Nigeria

What are my obligations?

  • To disclose all material facts of the subject matter
  • Payment of premium
  • Immediate notification of claimable event
  • In the event of fire, take steps to minimize the loss or damage and recover any missing property
  • Cooperate with claim adjusters

Are there any restrictions on cover?

  • Policy Deductibles
  • Sum Insured
  • Geographical Limit

How do I pay?

  • VISA|MasterCard|Verve

When does the cover start and end?

Immediately after issuance of insurance Policy document (subject to Policy conditions) and end at 4:00 PM on the expiry date of policy.


  • Restoration of financial loss
  • Continuity of business
  • Continuity/ restoration of occupancy
  • Repair or replacement of damaged property.