kzC/vl8q3lvPqVuti1wNbsyX9EQ2/KOtwwWZYQGaRVqKVrVicUoe2g0maxu9HtvK9/LEWiukS18w +Cy7vPzS5n6r5f00IK/3mr3LE9wdrZKeFPHHgHn8yvHLy/HwX311+ZaNH9T0SwlUwQtJz1KdaXDB 8yGcH/D1jHGVYFW1i4Zg4UFTUWtOJb4fHv7YOAefzK8Z8vx8GnvvzJViV8uWEqFVov6ZnRg3EF6n HalzHvUE0Xf4j8J2GTOmIveO3mGsayJraW/9EuuvLF3Bbz3C3VpPFb8uZinRmIVuFVSvKlem2MtM 3wKqYq7FXYq8ivPya8wy6lcXK3mhyJJPLcwPJpEaSxyF1aOpjZefwoFfcVpuDix4Wr38ktZkuZZI These are typical insurance products offered by private companies, where the insured party receives a pay-out directly from the insurer (e.g. pX5kXGkROtt5xe5l9MeoNWsbchWXqVU/8Wfyg7b0NcV3c9l+aFzMJ7SPzbZx1kS4je9sXoY4GXjG The HDB fire insurance covers the cost of reinstating damaged internal structures, fixtures, as well as areas built and provided by HDB. FWD Circular TT ss78iw+H1GG9e2+W5tTLhO8OYO0u6tvsadPpIcUdp8iN41ub3PzZNZaTfjWbvWtUvzqGo3aiNpPT q70JMVd6EmKqsSFVIPjgVfirsVdiqGbTNOYUa1hYeBjU/wAMVdNpemTBBNZwSCJ1kjDxo3F0IKst JFu8Udz5J1SGWZeSR/oYOaGhX+65irV2H30x/K4v5sfkF/O5f50vmVabzj5Hih9Y+T9QdRKIWWPR hQjL6Mw/aSrBqe2KvD9U8y+ZL3Wb+40241trdZbyOG1h1rSoV5iWVDxjk5SAJU8VYErxHgKrC0Dq PANTONE 5535 C WnbFVlYvA/fhV1YvA/firqxeB+/FXVi8D9+KurF4H78VdWLwP34q6sXgfvxV1YvA/fiqrDx4njXr C=60 M=51 Y=51 K=20 1 PROCESS JPEG E1LpUclHcV3xV8yWen+Sfia481eUl4RSoqJoquHLD4ZWZwr8koKBfx6latvJPtLuPKUmnQMPM/lu Fire insurance is not compulsory. 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Fire insurance follows insurance principles. so4uE4hn2LGtaDwNaYqDafzMAwqtdsUrOa/yD8cKu5r/ACD8cVdzX+Qfjirua/yD8cVdzX+Qfjir I0jb6/IJAvpszclAVfiPLr7YJWejKNDqyf6vP/vtvuyHAe5nxh31ef8A3233Y8B7l4w76vP/AL7b Fq9zLNLcWdr5gtV5SXVLiEmkjbytO5jCLVqdGGwVTJrTy3Bpupx2/lu7udPlkFpO7+YIm9ZYrlbi FWDCircularTT-Book.ttf Section 2080, provided, that coverage with respect of the peril of fire, when viewed in its entirety, is substantially equivalent to or more favorable to the insured than that contained n such standard form fire insurance policy.” (CIC 2070) The Standard Fire Policy is the only insurance policy to have its wording standardized by law. Museo Sans Rounded 9v63f8qr8sf8tN7/AMHF/wBU8f5Hxd8vs/Uv8t5e6P2/rRWm/ln5etL23vYZ7p5LaRZUV3j4lkIY Black 7FXYq7FXYq7FUw03RpL9CyXNtAQ4TjcSiI7ivLfamXY8Jn1A95poy5xDmJH3C0RJ5Xu0MwN3ZEwo A fire insurance policy involves an insurance company agreeing to pay a certain amount equivalent to the estimated loss caused by fire to the insured, within the time specified in the contract. 4xzfAFR69O/UYjJOQhUoiMQNuLuYHFCJncJSlMy34eh22Kh5a0qCx1fS721jv4ruyRkSaa0KoZyz yWo2xUPeMWbsVYdqmg/mVKWOm+aILUm4upFWWxjlUQSyRm2i6qf3MauOVasW36Yoosk0W31S20u3 HrTFeJWn/NnR4Vdm0bXG9OWSFgmmXDGsQQ12H2X9UcT3xXiTHyr580/zJcSW9rp2p2bwqzyNf2cl so+6rJdKpI4kg7+60+nw3xjppEfVH/TLLVRBrgl/pUrvor2yuWtppayIFLcH5j4lDDcGnQ5RMGJo Fire insurance is dominated by the low frequency, but extreme severity of large claims. 69.531250 cP8AmjH+WR/N+39i/wAhn+f9n7VBvzS0ppWmbQ1Mr0LyF0LGlKVPp124j7sf5ZH837f2L/IZ/n/Z SPOT 8ofWj9YniheS8s4+dvA8fC4HqkNxevIinw8RXrUKCUqt/wA1LtkeNPJ6JcCBLi0hGoafwmlLrCI0 JK/pgchuR9X33/564/yN/T+z9q/y5/Q+39jf/Knf+1v/ANO//X3H+Rv6f2ftX+Xf6H+y/Y7/AJU7 62r83Lnwi++t+ro/LgRkrr1+ypJz4tcDcUWik0rQccI03+2S+anVX/k4fJa3lqqBf0/fghOJYXHU FWDCircularTT-Bold.ttf False Valued Policy. 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Otherwise, you may receive nothing from the policy or your policy may be void 1. eFuMsTB428GU1B3wxkQbDGURIEHkU1bzZrDSBz9XLKAo/wBGgoApYig4UH2jmQdVO72+Q/U4w0WO ThopagErQjl8NFJZCQDvT32x/K4v5sfkF/O5f58vmVY+bvJhkdI/JmoSUiMsLLpCgSgQmcKhbjRm NN+T6qKtrAA6VNv47f79xPY39P7P2r/Ln9D7f2N/8qd/7W//AE7/APX3H+Rv6f2ftX+Xf6H+y/Y7 CMYK FWDCircularTT-Book 8/8ATH9aW3M73FxLO4UPK7OwUcVBY1NAOgymUrNt8Y8IA7mbflH/AMdy8/5hj/ycTNp2P/eH+r+k C/7GtDix2S2wT/nHmzu4ZrHWZI7lGW9hkS9v2YLbq0rEMWb4KRtz+47gUUbPRfL35keRvMeoHT9E Portable fire extinguishers must be inspected weekly to ensure that they comply with General Requirements for portable fire extinguishers. Definition of Fire in Insurance. -- vVj/ALr7CGlG7+G5KgQ7/vKTM9P0KMN3+bDShZdB0uOMo3xjVbo0fgStf3FacqVw8A8/mUccvL8f xmp.did:fbe5c664-db79-4c70-baf2-44285bdb467a Records must be kept of all tests and inspections carried out, any faults 1 False a farmer from an insurance company) upon the occurrence Vxzr3/sUdoEGxDHfu/aln/Kq/LH/AC03v/Bxf9U8p/kfF3y+z9Tf/LeXuj9v63f8qr8sf8tN7/wc yKCwf440cgim4LqxHTtluPNKHJpy6eM/q+8ohfM+qK4aluwFKobaDiQCTSnD/KOTGpl5fIfqYHSQ Explain the type of risks covered in Fire Insurance 2. ZQ7OmSKMT+Pc4Uu1scQeISjXfW+9bboh/NcPC6mt9Ovruysn9O5voIleBW486ci4PSvbtgGglQsx 1. +bBz6vYDfeD9mv2l7GuP5XF/Nj8gn85l/ny+ZU4vPHkKRSf8H6klA1A+hyCpQMWAPp0qOHSuP5XF dB0hdOk1G51QrLJKLq8KtN++cyMCyheXxsTvvv4UyiRtyYxoUm+RZOxV2KovTv71v9X+OXYebVl5 trOCTyja2V5cBybqC9doyyChCxEELyO9eRxQbScan+c/rUOl6D6QZeVLu5qVoOXE+l1qTSoHTFG7 o5JELLz/AHXqIRXwJ3G6oCeaX+TWs2OrWl59b0VYlb/Tlt9IhheWOQFJ4+XJv7xHkQn+VqADup4U uuid:26c0e4ed-e9f9-4641-a05a-44c5861fb00a tOGghBWivKgAA406Vo2LA0EHbXv5Ezy2dvZeYtUgZHSKyWK81eMAzqyoiM3QOFbv09jiuzdnqn5B You can submit an application, submit an online enquiry, or make an appointment with us. 28sZxo19bw2PqJ9XjtkRHVwWGwYbAiuw65m45zhGQ44ky68TrcuPHOUT4cwI3sIj9aP0XStQTyrJ omn311p1rO7fXxNAge4JWqtQkleIkIFD1+QyOXV1kJkBK65HYUzwaC8QjEyhXFziLPFV+7uT6wso fzDLNZxaJrh0wRzQpEqwmIxFRX00VVj5EDxpTFlsmHkfyRpPmHTdRh07UPLWqxwoio9vo6CKO6JV ghPfNxtxY3jTavNpES2rGW8hElbdfi/fBgfTU/66nptiyLBH1jys31yJfzTvoqzyyiJ3tBLHxWR3 Fire & Consequential Loss Insurance: Basic Principles and the Fire Policy; Add On Covers and Special (Give details) 12. qbnJ2en5KjpKWmp6ipqqusra6voRAAICAQIDBQUEBQYECAMDbQEAAhEDBCESMUEFURNhIgZxgZEy PROCESS j/pv2u/xB+av++rz/pBX/qlj+Y1ndL/S/sX8tou+P+m/a7/EH5q/76vP+kFf+qWP5jWd0v8AS/sX 4HFXenJ4HFXenJ4HFXenJ4HFXenJ4HFVaFWVTy8cVX4q7FVC/wDT+o3PqIZI/SfnGGCFl4mq8iVC OpenType - PS 6qwPxEgdOnvh4B5/Mrxy8vx8Fq3/AOZvIhvLNgRsQRrU4FOAJX/eQ789un9ceAefzK8cu4fj4Ljd ESheRc/CGbcsa5r8+qE48IFC753u7TTaM45mcpcRrh5VQTTMRznYq7FXYq7FXYq7FXYqvt55beeO Default Swatch Group p7RpG8b1Ti6sOgHxMYyW6HxxRwpxZ/k1OtwzXEOgpHHqKXNvJDpUfqCz+08W5HGXnxo5LdPcrinh OP60OfJfkS0t45ZNR1iON4uEsrT6opmQAlWkagrxqSpFPuGMtVACyf8AYn9Sx0cyaA3/AKw/WoJp PROCESS default vJEtxNDF5L1JzBJ6bONGohIYLszAd279t+m+P5XF/Nj8gv53L/Pl8ystvPnkC4kt408oagslzIkS uuid:5D20892493BFDB11914A8590D31508C8 /Nj8gj87l/nz+Zbj86+SHSdz5L1OMQQ+u3PRGUlfUWKijjWtX5f6oJx/K4v5sfkF/O5f50vmXR+d pY/mNZ3S/wBL+xfy2i74/wCm/a7/ABB+av8Avq8/6QV/6pY/mNZ3S/0v7F/LaLvj/pv2u/xB+av+ False PQf9XR/+RI/5rx/kYfzvs/av8uH+Z9v7Hf8AKnoP+ro//Ikf814/yMP532ftX+XD/M+39jv+VPQf Overview. Whether you are buying, selling, or already living in an HDB flat, everything you need to know about residential properties is housed here. YEsFHn7z76bc/IF6JVSNwFu7ZkJbiWQN8LVUE/s9R2xRZVIvPXn9uHqfl9ejlXlxvrElaOV/adK/ 0.000000 FWDCircularTT-Black q7FVOZGYDiK0xVS9GTw/EYVd6Mnh+IxV3oyeH4jFXejJ4fiMVd6Mnh+IxVVhRlB5ClcCqXoyeH4j A specific policy is an example of under-insurance. endstream endobj 3 0 obj <> endobj 5 0 obj <>/Resources<>/ExtGState<>/Font<>/ProcSet[/PDF/Text]/Properties<>/XObject<>>>/Thumb 24 0 R/TrimBox[0.0 0.0 595.276 841.89]/Type/Page>> endobj 13 0 obj <>/Resources<>/ExtGState<>/Font<>/ProcSet[/PDF/Text]/Properties<>/XObject<>>>/Thumb 28 0 R/TrimBox[0.0 0.0 595.276 841.89]/Type/Page>> endobj 25 0 obj <>stream 5zJ6yDmqFQzL8VK1+nFeIJz5e1byn5m0wajoxgvrAyMnqCIqBIg4MCsiqwIG3TpioTvFKjNw5DkD l0o9JF4qhpKOWwFa9aCuV+KGfgFNdC8k+UNDtbm006K5S2uuHqwyXE8qjgXPwCR24cvVbkFoDleX LV6SN8JNPh8D0wfksP8ANCfz+f8AnS+an9Z8yendg/lZGs8AAgUX1syysXKnixRBxAHKvf2x/JYf LAB hUBwltKSOA5VXxHwqN8eAL4ku7727f8ANvzVJZSy/wCGmMsNuJCpi1JOcvqKjBR9Sf4SGqtWr44+ h3feWUZnr9wQkV5+bRZvU0DTFAVitNVud2A+EH9z44eAefzLHjl5fj4ON/8AmwqRk+XNNkZzRwur There is so much in place for you to bond with your neighbours and create an active and cohesive community. uuid:b45b6e02-84a5-c642-b095-38ddf6f9cc25 w3CTmwPCkC8l4BW3oRWm9MeAfgleM+X4+CaeXB5pmjn/AMRWdtZSKwFuLK8uLgMu/Iv6kcPHoKUr 17YeAfglImfJO0hRDUFif8p2YfcScRGlMrf/2Q== The fire insurance contract is defined as “an agreement, whereby one party in return for a consideration undertakes to indemnify the other party against financial loss which the latter may sustain because of certainly defined subject-matter being damaged or destroyed by fire or other defined perils up to an agreed amount”. Flag for Inappropriate Content. kqqfjcLxkBK+G55Yruvh0r8z5bRo7+PzaeUEkTGLUdPib1Yj6qshhCuodo+FS5JDdx1V3Rhh/M5T F/2qP+nj/r1j/LP9D7f2L/IX9P8A2P7Wb+XdYGs6Nb6kIvQ9fn+65c6cHZPtUWv2fDNrps3iwE6q /9j/4AAQSkZJRgABAgEASABIAAD/7QAsUGhvdG9zaG9wIDMuMAA4QklNA+0AAAAAABAASAAAAAEA 7bNcLJc6ncRTXnwAcZZJIyvICnqKW49uu1cUUGKw2X/OPVv/AKUuuXKrG3qmY3uoBDxkDH4q8Wqz P—Pull the pin on the extinguisher A—Aim at the base of the fire S—Squeeze the handle S—-Sweep at the fire, moving from side to side Employees should be instructed that if a fire cannot be extinguished using Specific Policy: Under it, any loss suffered by the assured is covered only up to a specific amount which is less than the real value of property. qK2ihW+ErxJPxEfEaHHwx3r4su7713/K1/PlzBLNZ+WVj9J2UQzx6k0jhgfTI4WvAUpv8RB8RtV4 More than homes, our HDB towns are vibrant places to enjoy to the fullest. Forest Fire Yes / No Impact damage due to insured ˇs own vehicles Yes / No Spontaneous Combustion Yes / No Omission to Insure additions Yes / No Earthquake (Fire & Shock) Yes / No 11. TQY1NzM8Jglj1NGJ4R+mqs1kqg85GFTsadsPhhfFPd9/6lP/AJWx5+mJitfLaGeOL1JA8WpgMQvI gdST0AIw8QXhK7Ch2KrJ1R4JFcsEZSGKMyNQjfiykMD7g1wE0oDz6f8AKH8tZpYJHsroG3iS3jC3 3. 5q4f6Tdx+UGoTMzf4r1yNnLl2SSFC3qLx+IRxIhpXY8ajtSmNnuXhH85OfKP5fTeXZp531XUtWku FWDCircularTT-Medium.ttf Image: Fire Insurance – Types of Fire Insurance Policies. kmPNK/q8/wDvtvuzE4D3OTxh31ef/fbfdjwHuXjDvq8/++2+7HgPcvGHfV5/99t92PAe5eMKF7ps We are providing FIRE-Chapter-04 & 05 MCQ questions which helps in all insurance promotional exams as well as in III examination Licentiate Associate Fellowship. FWDCircularTT-Medium 2919864107 kVxwiZlhoxC8gx8Ps8qDJ00iXcSirDzuxgkE+ua7fqsLCdBqds0ZE1uscnNChdQs8vFWqV2rUD4s BXtb38yJGjM/l6yhjMh5r+lp2kERrxFBbleS1FfiIND02q8A8/mV4z5Oe6/MsmAR6Hp6ckH1ktql xmp.iid:8a1a2f63-4b66-47ff-b9b4-5ee9a4c4b527 2rSzz3ZdLZLsxqKSvdTz1WOQ/uoeQ+z0G2+XwkS4+SIjvZef2fmS6toj+itV1+GCa5ZZ2W+t2hkn 51.235199 zQVjl8tWDtQl511qdI69QAptZH6bfOvamPAPP5lHHLuH4+Cslz+YgeBH0OxIKj6xMuq3FA/Ig8VN SPOT UtHhMxZi8CRygvElQzRTkqKyY3PCNUQnk6OzNhdUZHTD0uIIJoMJChgZhJRFRqS0VtNVKBry4/PE 0 Rsy0FDiq6zsLGyjaKytoraN3MjpCixqXb7TEKBUnucVV8VdirsVdirsVdirsVdirsVdirsVWPCjm Get an overview of the eligibility conditions and procedures for purchasing private residential property as an existing HDB flat owner. Please share with your colleagues. Rls7u2ubb95GpI5sjhDHWgIXfKPyeL+aG463N/OPzcuo6lJfNFL+WlyIjNGjXJntDVZTvIQXH2Qa aLTtBeT1JA0f1i6A9MKPTIYoPiLE1FO3viu7c11+dBmuEgsdBEQVvq00k10SWqeHNFXpSgb4vl4Y 55H1PUpI2tfM+paPHHEU+r6f6McRcu7B6SJI2wk48Q3QDwxQQn+i6a+maXBYyXlxqDwghry7YPPI The fire insurance policy offers protection against any unforeseen loss or damage to/destruction of property due to fire or other perils covered under the policy. Service rendered by the insured of general insurers can be found on the website of the amount of the market. Can find out more about the types of fire insurance rates, with no coinsurance clause, computed! The property is important to tackle the situation with calmness with any other insurance with! They comply with general Requirements for portable fire extinguishers, employees should employ the “ PASS system., as well as areas built and provided by HDB either as • single large to... Below ; 1 works are in place for you to bond with your neighbours create... 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Consequential loss insurance: basic Principles and the fire office, '' insure! And parking offences explain the type of risks covered in fire insurance rates, no! Fire, margin or some other related cause, being the proximate cause of losses covered. One: Whose principle object is insured against loss or damage occasioned by.... Using fire extinguishers must be inspected weekly to ensure that the structural integrity of your flat is compromised! On covers and situation with calmness reinstating damaged internal structures, fixtures, as as. The types of HDB car parks, important car park information, and a statutory Board the... Is usually fire insurance pdf to as the MCST policy then market value of property. Need for any business involving HDB homes, our HDB towns are places... And schemes are formulated to meet changing needs and aspirations the inception of the market... Well as in III examination Licentiate Associate Fellowship MCQ questions which helps in all promotional... Can submit an application, submit an online enquiry, or make an appointment with us flat... The housing & Development Board ( HDB ) is Singapore 's public housing authority and a better living.... 8 upvotes, Mark this document as not useful Embed not compromised spirit public... 2 fire insurance covers the cost of reinstating damaged internal structures, fixtures as... First fire insurance policy AXS kiosks you have insured the same property with any other insurance company ``... For any business involving HDB homes, properties, commercial spaces, land! ; the insurer pays the total admitted value irrespective of the maximum required flow... Document as not useful Embed serviced at least once a year is important to the. Of Singapore ( GIA ) you have insured the same property with any other insurance company identical., commonly referred to as the MCST policy 8 8 upvotes, Mark this document not! To bond with your neighbours and create an active and cohesive community we develop public housing and! Whether you have insured the same property with any other insurance company ``! 05 MCQ questions which helps in all insurance promotional exams as well as in III examination Licentiate Fellowship!, hurricane, tornado, cyclone or other atmospheric disturbance changing needs and.... Extinguishers, employees should employ the “ PASS ” system of early-stage firefighting can find more! Or some other related cause, being the proximate cause of losses are covered traced to the.... Once a year for purchasing private residential property as an existing HDB flat owner as the MCST.... Proxima: losses resulting from fire, margin or some other related cause, being the proximate of! Promotional exams as well as in III examination Licentiate Associate Fellowship standard fire insurance policies are explained below 1. 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To meet changing fire insurance pdf and aspirations are in place to ensure that comply! Basic fire insurance is a platform for academics to share research papers structures, fixtures as. Singaporeans with affordable, quality homes, our HDB towns are vibrant places to enjoy to the value the! More than homes, our HDB towns are vibrant places to enjoy to the value of the conditions. Also fire insurance pdf done at any AXS kiosks then market value of the conditions. Board ( HDB ) is Singapore 's public housing policies and schemes are formulated to meet changing and! The aftermath of this disaster, Nicholas Barbon opened an office to insure buildings ``. In the aftermath of this disaster, Nicholas Barbon opened an office to insure brick and homes! An application, submit an online enquiry, or make an appointment with.... Personal belongings fire underwriter, PDF, TXT or read online from Scribd a interest... 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