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All you want to know about... BURGLARY INSURANCE



more reading on 'Where burglars fear to tread'


If at any time during the Period of Insurance:-

A.  The Property Insured or any part thereof described and included in the Schedule whilst contained in the Premises shall be lost:-

  1. By THEFT consequent upon actual forcible and violent breaking into or out of the said Premises by any person or persons (other than employees), or

  2. As a result of ARMED ROBBERY or ROBBERY with violence.

B.  There shall arise any damage to the said Property Insured or to the Premises, falling to be borne by the Insured, due to any such Theft as aforesaid or any attempt thereat


  1. Such loss to the extent of the market value at time of loss (not including profit of any kind) and/or

  2. The net cost of repairing such damage

but not exceeding in respect of any one item specified in the Schedule the Sum Insured thereon nor in respect of damage to the Premises five per cent (5%) of the Total Sum Insured nor in the whole during any one Period of Insurance such Total Sum Insured.

A. Loss or damage to Property Insured by
  1. Theft consequent upon actual forcible and violent breaking into or out of the premises committed by any person or persons (other than employees)
  2. Armed robbery or Robbery with violence

B. Any damage to the Premises which shall arise as a result of theft or robbery as aforesaid (limited to 5% of Total Sum Insured)

ADDITIONAL PERILS (if required with additional premium)

Other extensions required (please specify)
  1. Stock in Trade belonging to the Proposer consisting of.....
  2. Stock in Trade held in trust or on commission consisting of.....
  3. Tools, equipment, utensil and plants (please describe)
  4. Office equipment and machines (please describe)
  5. Furniture, Fixtures and Fittings (please describe)
  6. Others.... (please specify)
The Insurer shall not be liable in respect of:-
  1. Shortages due to unaccountable and/or inventory loss except where a possibility of theft as aforesaid exists.
  2. Loss or damage due to any such theft as aforesaid or to any attempt thereat by or in collusion with any of the Insured's family, business staff or domestic servants, or any person lawfully on the Premises.
  3. Damage to glass or any decoration or lettering thereon.
  4. Loss or damage occasioned by fire or explosion.
  5. Loss or damage to medals, coins, curiosities, sculptures, manuscripts, rare books, plans, patterns, models, moulds, designs, deeds, bonds, bills of exchange, promissory notes, money, securities for money, stamps, documents of title or business books unless specifically included in the Schedule.
  6. Loss or damage directly or indirectly occasioned by happening through or in consequence of depreciation, requisition or compulsory sale (whether under statute or otherwise) or seizure by any Authority.
  7. Loss or damage arising whilst the Premises are unoccupied for a period exceeding  30 consecutive days or are occupied otherwise than as stated in the Schedule, unless the written consent of the Insurer shall have previously been obtained and an additional premium required by the Insurer has been paid.
  8. Loss or damage directly or indirectly occasioned by, happening through or in consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, riot, strikes, civil commotion, military or usurped power, or confiscation or destruction by order of any Government or Public Authority or by any direct or indirect consequences of any of the said occurrences and in the event of any claim hereunder the Insured shall prove that the accident loss damage arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the aforesaid occurrences or any consequence thereof and in default of such proof the Insurer shall not be liable to make any payment in respect of such a claim.
  9. Loss or damage to any property whatsoever or any loss or expense whatsoever resulting from or arising therefrom or any consequential loss or any liability of whatsoever nature:- a) Directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this Exception combustion shall include any self-sustaining process of nuclear fission; b) Directly or indirectly caused by or contributed to by or arising from nuclear weapons material.
If you wish to apply for the Fire and Burglary Insurance coverage, just instruct us by e-mail and we will be sending you the Official Application Form

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