FIRE INSURANCE
General insurance terms and conditions
Valid as of January 1, 2011
1
Purpose of insurance
On the basis of these terms and conditions and
the General Terms of Contract (YL), Pohjola
Insurance Ltd or A-Insurance Ltd (hereinafter
referred to as the insurance company) undertakes
to cover direct material damage caused to
the object of insurance by a sudden and
unforeseeable loss as defined under section 3,
and other expenses mentioned separately in the
terms and conditions.
2 Object of insurance
The object of insurance is the property specified
in the insurance policy at the location indicated
in the policy (place of insurance).
2.1Buildings
The object of insurance is the building specified in
the insurance policy. The building includes original
or comparable items or those subsequently
installed for the whole building, which are
permanently fixed in the building and serve its
purpose, such as structures, fittings and surface
coverings.
Items excluded from cover
- the foundation soil of the building under
the base floor and foundation slab and its
reinforcement
- subsoil drains and rainwater pipes outside
the building
- the soil on the property.
2.2
Machines and appliances serving the
purpose of the building
The building includes the following items which
are permanently fixed in the building and which
serve its purpose
- heating, cooling, water distribution, sewerage,
rainwater drainage inside the building,
ventilation, control, data transfer and other
such machines, appliances and equipment,
and the cables, pipes, ducts and tanks
related to them
- lifts, escalators and up-and-over doors
- machines and appliances for joint use by
private households.
The building also includes the following items
owned by the policyholder or otherwise at the
risk of the policyholder and serving the purpose
of the building
- fixed water pipes, sewers, heating, oil, gas
and steam pipes and electric cables outside
the building and machines and appliances
permanently connected to them, up to the
connection with the public mains.
2.3Other property
The building also includes the following items
owned by the policyholder or otherwise at the
risk of the policyholder and serving the purpose
of the building
133 054 1 10.10
Please pay special attention to
the restrictions printed in italics
-
ordinary fixed structures outside the building,
-
regular property-maintenance machinery and
tools, fuels, and
equipment for joint use by private
households.
-
but not shelters for motor vehicles, waste
or for other purposes, in excess of 40 sq.m.
without separate reference
2.4Items excluded from cover
-
-
-
-
structures made or equipment installed by
the user of the building or premises, even
when these are permanent fixtures of the
building
structures for which a shareholder in a
condominium has maintenance responsibility,
other than ordinary permanently fixed fittings
and surface coverings
structures, equipment, cables and pipes
which are exclusively serving any business
taking place in the building or which are
connected with machinery and equipment
used in the building
motor vehicles with a design speed of over
15 kilometres per hour.
2.5 Movable property
The object of insurance is the movable property
specified in the insurance policy at the location
indicated in the policy (place of insurance).
The following property items are insured at the
location specified in the insurance policy (place
of insurance) without any separate agreement or
indication thereof in the policy up to the amounts
specified below. The insurance does not cover
damage or expenses which are covered by
a separate insurance related to the object of
insurance.
2.5.1 Policyholder’s property
- drawings, files, models and moulds, as
well as data and software contained in data
media, in total and including any expenses
incurred from overtime or temporary work:
EUR 5,000
- money and securities
- stored in some other separate and safely
closed place of storage closed in a manner
providing protection: EUR 1,000
- stored in a locked safe or vault: EUR
2,000
- in a classified safe marked with points for
its protective value: EUR 10,000.
2.5.2 Property of customers
Movable property of customers in the
policyholder’s possession and directly connected
with the policyholder’s business operations: EUR
10,000.
The insurance does not, however, cover
instruments of payment or securities.
2.5.3 Property of employees
Movable property of an employee of the
policyholder in the place of insurance or, in
ES 01
connection with a work commission, also
elsewhere: EUR 1,000.
The insurance does not, however, cover
instruments of payment, collections of
valuables, securities or any motor-driven
vehicles or equipment.
2.5.4 Other regulations
For the property specified in sections 2.5.1 to
2.5.3, the insurance cover is a first loss insurance,
which means that the regulations pertaining to
underinsurance do not apply.
2.5.5 Items excluded from cover
The following property items are only covered
by the insurance up to the amounts specified
in section 2.5.1, unless separately agreed and
indicated in the insurance policy
- data and software contained in data media
- d r a w i n g s , f i l e s , m o d e l s , m o u l d s ,
manuscripts and documents
- instruments of payment, collections of
valuables and securities.
Items excluded from cover
- property not owned by the policyholder,
such as leased or other rented property
- motor-driven or motor-transported
vehicles and equipment or their fittings
and accessories
- aircraft
- vessels and boats subject to registration
- plants and animals.
3 Coverable losses and related
restrictions
3.1 Fire or soot
The insurance covers loss caused by
uncontained fire or by soot spreading suddenly
and unforeseeably from a fireplace or a similar
heating unit in the premises.
The insurance does not cover damage to an
object subjected to heat.
3.2 Lightning
The insurance covers loss caused by direct
strike of lightning or by overvoltage resulting
from lightning.
3.3 Explosion
The insurance covers loss caused by an
explosion.
The insurance does not cover
– loss caused by internal stress, by loosening
of a seal or by fluid pressure
– loss caused by professional blasting or
quarrying. Loss covered otherwise by the
insurance is, however, indemnified to the
extent that the policyholder shows that the
party found to be responsible is unable to
meet its liability.
This is a translation of the original Finnish terms and conditions, which take
precedence should there be any differences between the original and the translation.
– damage to a combustion engine caused by
an explosion in the engine, nor
– damage to a closed, pressure-resistant
container, equipment, pipe or tank in
which there has been gas or steam,
unless the reason for the breakage was
exceptional overpressure arising suddenly
and unforeseeably.
3.4 Triggering of extinguishing
equipment
The insurance covers loss caused when
extinguishing equipment is triggered suddenly
and unforeseeably. The precondition is that
the equipment complies with the rules of the
Federation of Finnish Insurance Companies.
4 Ensuing losses
The insurance also covers loss caused by subject
to indemnification in sections 3.1 to 3.3 and 3.4
- property being stolen, disappearing or being
damaged, as a result of the circumstances
of a coverable loss, in connection with a loss
otherwise subject to indemnification, and
- cold or heat, rain or other similar reason if the
loss was a direct consequence of a coverable
loss.
5 Safety regulations
6 Indemnities
The policyholder shall comply with the safety
regulations indicated in the insurance policy
and below (see the General Terms of Contract,
section 6.1).
The indemnity is calculated in accordance with
the indemnification regulations (ES AK) and
with the following regulations applied to this
insurance.
5.1 The safety regulations indicated in the policy
must be followed when engaged in work involving
the use of fire (hot work).
6.1 Deductible for hot work
Hot work refers to work where sparks occur or
where a gas flame, other open fire or a hot air
blower is used.
5.2 System and application software and data
must be copied at least once a day so that, in
addition to the original, there are two copies
on an electronic data storage medium. The
backup copy must be kept in a fireproof safety
file intended for data media. The safety file must
not be located in the same fire compartment as
the other copies, or it must be placed in a data
medium cabinet of at least class S60 DIS.
If a loss caused by uncontained fire (fire loss)
and covered under this insurance is caused by
hot work (see section 5.1), the policyholder’s
deductible is ten times that recorded in the
insurance policy, though not more than EUR
20,000 or a higher deductible specified in the
insurance policy.
6.2 Deductible for fire damage caused
to fire-safe waste shelters and
underground waste containers
No deductible is subtracted if a fire-safe waste
shelter or underground waste container has
restricted the extent of the damage.
5.3 Locations protected by fire extinguishing
equipment or automatic fire detection equipment
must have a written maintenance programme
drawn up for them in compliance with official
regulations for these systems. The fire
extinguishing equipment and fire detection
equipment must be functional and properly
checked or serviced.
Pohjola Insurance Ltd, Lapinmäentie 1, FI-00013 Pohjola
Domicile: Helsinki, main field of operations: insurance business
The company has been entered in the Finnish Trade Register, business ID 1458359-3
A-Insurance Ltd, Lapinmäentie 1, FI-00350 Helsinki
Domicile: Helsinki, main field of operations: insurance business
The company has been entered in the Finnish Trade Register, business ID 1715947-2