Dhivehi Insurance

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The effects of damage to your property by fire can be devastating. Properties built or businesses carried on with years of hard work may be lost in a matter of few minutes. Replacing lost property may mean having to come up with substantial funding.

It may be impossible to completely eliminate the risk of a fire breaking out, but you can reduce the financial loss by taking out our Fire and Perils Policy.


The basic Fire policy provides coverage for loss of or damage to insured property caused by; 

  • Fire
  • Lightning
  • Domestic explosion (gas cylinder)

The insured properties include;

  • Buildings (including landlords fixtures and fittings)
  • Furniture
  • Plant, machinery and equipment
  • Stock
  • Household goods and personal effects

Main Exclusions

We will not be liable for any claims arising out of:

  • Loss or damage arising out of war, invasion, act of foreign enemy, hostilities, etc.,
  • Willful misconduct of the insured.
  • Loss by theft during or after the occurrence of a fire
  • Loss or damage due to nuclear perils
  • Loss or damage due to pollution or contamination
  • Loss or damage due to wear and tear, gradual deterioration
  • Loss or damage to jewelry, precious stones, money, bullion or documents of any kind unless specifically declared.


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for a better tomorrow