Fire insurance policy kya hai-What is fire Insurance Policy

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Fire insurance policy ko hum simple language mein smjhe to kah sakte hai ki,agr kisi bhi vyakti ne fire insurance polciy li hai, yadi uski property fire ki wajah se damage ho jaati hai to aise mein wah vyakti insurance company mein fire claim form bharega aur insurance company ki investigation ke baad us vyakti ko compensation de diya jata hai yadi wah aag policy ki term and condition ke according lagi thi. Fire insurance policy customer aur insurance company ke beech ek contractual relationship hota hai. Jo vyakti fire insurance policy leta hai us vyakti ko policy ke according premium bhi dena hota hai joki vahi premium ka paisa unhe milta hai.

Fire insurance hum kiska karva sakte hai?

1. Residential fire insurance.
2. House fire insurance.
3. Office fire insurance.
4. Shop fire insurance.
5. Factory fire insurance.
6. Industrial  supplies fire insurance ke sath sath us industries ki machinery, raw material, packing material etc.

 Kaun se risk fire insurance mein cover hote hai? (Types of risk covered under fire insurance policy. )

1. Fire.
2. lighting.
3. Explosion/ Implosion.
4. Aircraft damage.
5. Danga (Riots), Strike, Malicious damage.
6. Tufan (storm), Typhoon, flood, hurricane, Tornado, inundation.
7.  Impact damage.
8.  Subsidence and landslide, rock slide.
9. Bursting and overflow of water tanks, apparatus and pipes.
10. missile testing operation.
11. Leakage from automatic sprinkler installation.
12. Bush fire,  yah ve sabhi risk hai jo ki fire insurance mein cover hote hai.

Fire insurance policy ke prakar. (Types of insurance policy)

1. Specific fire insurance policy.
2. Comprehensive fire insurance policy.
3. Valued fire insurance policy.
4. Floating fire insurance policy.
5. Replacement or Re in statement fire policy.

1. Specific fire insurance policy - Yah ek aisi fire insurance policy hai jisme kewal ek specific amount hi compensation mein diya jata hai. yadi koi vyakti specific fire insurance policy leta hai jime vah kisi property ka insurance karvata hai aur uske damage mein ek limit amount decide kiya jata hai jo ki compensation me milta hai.

Example:- Ek vyakti ne apni factory open ki aur us factory mein installed machine ka fire insurance karvaya jiska price 150,000 lakh rupees hai aur insurance limit 100,000 thousand rupees  hai. yadi kisi durghatna ke karn us factory mein aag lag jaati hai aur damage 130,000 ka hota hai to aise mein company kewal 100,000 rupees ka hi compensation degi. baaki  30,000 thousand rupees us vyakti ko khud dena hoga.

2.Comprehensive fire insurance policy- Kai insurance company  hai jo ki humari property ko kisi dango, nagrik sanghrash, vidroh, aadi ke karn se hone wale damage mein bhi compensation deti hai.

3. Valued Fire insurance policy- Yah ek aisi fire insurance policy hai jiske antrgat insurance company aur customer ke beech kisi property ko lekar ek amount pahle se hi decide kar liya jata hai aur damage hone par utna hi compensation diya jata hai.

Is policy ke under ve item bhi shamil hote hai jaise;

1. Kisi vyakti dwara likhi hui kahani (story), Poem.
2. Art.
3. Kisi ki kimtee dharohar.
4. Ceretificate.
5. Memorable things aisi chejo ko yadi aag ke lagne se nuksan hota hai to insurance company utni he compensation deti hai jitna ki us vyakti ne in item ka fire insurance policy  ko pre determined amount ke according policy le thi. kyoki aise item ka koi certain amount nahi hota hai.

4.Floating fire insurance policy-  Yah fire insurance policy wah vyakti leta hai jiski  property alag alag jagah par hoti hai, aise mein yadi aag lagne ke karn us property mein nuksan hota hai to insurance company dwara un dono property ka compensation diya jata hai.

Example-  Ek vyakti ne factory open ki manufacturing process ki jime wah kisi vastu ka nirman karta hai aur vastu ko banane ke liye raw material bhi use mein aata hai. Same factory mein jagah na hone ke karn wah raw material kisi dusri jagah me rakhta hai. Yadi kisi karn vas vahan ke rakhe raw material mein aag lag jaati hai to aise mein insurance company mein vah vyakti claim karke compensation pa sakta hai.

5.Replacement or Re-in statement fire insurance policy- Yah insurance policy ek aisi policy hoti hai jiske antargat yadi kisi vyakti ki property ka aag   lagne ke karn nuksan hota hai, to aise mein insurance company us vyakti ko do option deti hai. 

1.Yah vah vyakti aag ke karn jale huye saman ke badle rupya le le ya,

2.Aag ke kran jale hue saman ke badle saman le le.