This policy promises to indemnify the insured for loss, damage or destruction to any of the properties insured from any cause whatsoever except where specifically excluded in a manner necessitating repair or replacement. This policy will cover fire, theft, flood, storm etc.



This policy indemnifies the insured against loss, damage or destruction to properties insured following the occurrence of fire and lighting, explosion, thunderbolt, earthquake, volcanic eruption, storm, tempest and flood, riots and strike, aircraft, overflowing of water tanks, apparatus or pipes, theft or any attempt threat and impact with any of said building by any road vehicle, horses and cattle. The insured’s liability to the public is also covered.

This policy promises to indemnify the insured in respect of loss, damage, or destructions of any of the contract works both temporary and permanent while in the cause of construction or whilst on the contract site for which insured, or his agent is responsible and until handed over by the contractor to the employer.

The cover provided under the C.A.R. insurance policy can be classified into two basic sections. Section I provides cover for the material damage and section II for third party liability.