Prevention first
- Check the wiring and avoid overloading the generator line and cables
- Fit a smoke alarm and keep an extinguisher in plain sight
- Keep gas cylinders away from heat and check the connections
- Use good locks, and cameras in shops and warehouses
The right insurance
Home insurance covers the building and contents; property and fire insurance suits shops and warehouses, with an option for business interruption.
Value your property accurately
Insuring for less than the real value may reduce what you receive in a claim.
Keep a record
Photograph valuable contents and keep their invoices, with a digital copy stored away from the home or shop.
After an incident
Call civil defence on 115 in a fire, then tell us and photograph the damage before cleaning or repairs.
This guide is general information and does not replace your policy terms or official instructions.