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Insurance

Fire & Marine Insurance

Protect your plant, stock and shipments.

Fire insurance protects buildings, plant, machinery and stock from fire and allied risks. Marine cargo insurance covers goods while they are transported by road, rail, sea or air, within India or internationally.

Free, no-obligation advice. Most callers hear back from an advisor the same day.

Cover WhatsApp
Fire cover
Buildings, plant, stock
Marine cover
Road, rail, sea and air
Policy types
Single transit or open policy
Add-on
Loss of profit cover
Types of plan

Choose the fire & marine insurance that fits you

Not sure which one is right? Tell us your situation and we'll recommend the best fit.

01

Standard fire & special perils

Fire, explosion, storm, flood and more for your assets.

02

Marine cargo (single transit)

Cover for one shipment.

03

Marine open policy

Automatic cover for all shipments over a year.

04

Business interruption

Cover for lost profits after an insured loss.

Key benefits

Why people choose our fire & marine insurance advice

  • Standard fire and special perils
  • Marine cargo for imports and exports
  • Open and annual policies
  • Business interruption cover
Cover details

Know exactly what you're buying

We read the fine print for you and explain inclusions, exclusions and waiting periods in plain words.

  • Fire, explosion and lightning
  • Riot, strike and malicious damage
  • Transit damage and loss
  • Loss of profit (with add-on)
  • Manufacturers and warehouses
  • Importers and exporters
  • Traders moving goods
  • Improper packing
  • Delay without physical loss
  • Wear and tear
Premiums

Fire & Marine Insurance premium: what decides it?

Two people buying the same fire & marine insurance can pay very different premiums. Here is what insurers look at, and how to pay less without cutting the cover you need.

What it depends on

  • Age of the person or vehicle being insured
  • Sum insured or cover amount chosen
  • Health, lifestyle and medical history (for life and health cover)
  • Add-ons and riders selected
  • Claim history and no-claim bonus (for motor and health)
  • City or zone, occupation and policy term

How to pay a lower premium

  • Buy early: premiums are lowest when you are young and healthy
  • Choose the right cover, not the cheapest or the biggest
  • Compare insurers on claim record and exclusions, not just price
  • Pick only the add-ons you actually need
  • Renew on time to keep your no-claim bonus and waiting-period credit
Required documents

Documents required for Fire & Marine Insurance

Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.

Document Proof

9 items
  • Utility Bill (Electricity / Water / Telephone)
  • Bank Statement
  • GST Certificate
  • Udyam Certificate
  • Aadhaar Card
  • PAN Card
  • Passport
  • Property / Asset List with Values
  • Invoices or Shipment Details (marine)

Income Proof

3 items
  • Income Tax Return (2 yrs)
  • GSTR (3 yrs)
  • Bank Statement (12 months)

Document Proof

8 items
  • Utility Bill (Electricity / Water)
  • Bank Statement
  • GST Certificate
  • Company PAN Card
  • MOA / AOA / COI
  • Udyam Certificate
  • Property / Asset List with Values
  • Invoices or Shipment Details (marine)

Income Proof

5 items
  • Income Tax Return (2 yrs)
  • GSTR (3 yrs)
  • Bank Statement (12 months)
  • Audited Balance Sheet (2 yrs)
  • Complete Balance Sheet with Audit Report (3 yrs)

The exact list can vary by insurer and your profile. Not sure what applies to you? Our advisor will confirm in one call.

How we help

From first call to claim

Scroll through the steps to see what we do at each stage.

Step 1

Understand what to protect

We look at your family, health, assets and budget to work out the right fire & marine insurance for you.

Step 2

Compare insurers for you

We compare plans from top insurers on cover, exclusions, waiting periods and claim record.

Step 3

Buy with clarity

We explain the policy wording in plain words and help with the proposal form and medicals.

Step 4

Support at claim time

When you need to claim, we help with paperwork and follow up with the insurer.

Expert tips before you buy

  1. 1Use an open marine policy if you ship regularly.
  2. 2Declare the correct sum insured to avoid under-insurance penalties.
  3. 3Photograph and document goods before dispatch.
FAQs

Fire & Marine Insurance: common questions

It is strongly recommended. Transporters' liability is limited and rarely covers the full value of goods.

Contact us

Talk to an expert today

Share a few details and we will call you back. The first consultation is free.

Request a call back

We usually respond the same working day.

Related cover

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Stock Insurance

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Project Insurance

Cover risks during construction, installation and execution of projects (CAR / EAR).

Your financial goals,
one window away.

Speak to an advisor today. Free consultation, honest advice, and help with every document.

Get a free consultation +91 92122 66375 WhatsApp