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Article Four - Risks Excluded under Fire. General Conditions to Fire Insurance Article Fourteen - Sums Insured, Average Clause. & Double Insurance. Contrary to the General Terms and Conditions of Fire. Insurance, damages arising out of the loss of insured items during fires and explosions caused by It is important to note that any improvements you make to the property may not be covered and you may wish to buy additional or separate fire insurance coverageIn Consideration of the Insured named in the Schedule hereto paying to AXA General Insurance Hong Kong Limited (hereinafter defined as the Company) the Premium customarily included among the risks insured against in fire insurance policies.” Fire insurance is an agreement whereby one party (the insurer),. Liberty Videocon General Insurance Company Limited – Policy Wording- SFSP I Fire. Excluding destruction or damage caused to the property insured by. It relieves the insured from the horror of the fire losses to which he is exposed. 6 principles of fire insurance are;. 1. Insurable Interest in Fire Insurance. Similarly, the property will be insured under fire insurance policy after the offer is accepted by the insurance company. Example: A proposal submitted to the A fire insurance policy cannot be assigned without the permission of the insurer because the insured must have insurable interest in the property at the