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Earth Movement

A peril including landslide, mudflow, earth sinking, rising or shifting and earthquake.
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Subject to an exclusion in property policies, this peril includes earthquake, landslide, and mudflow.

Earthquake

A convulsion of the Earth’s surface produced by volcanic or similar forces within its crust. (Note: An earthquake could result in serious Fire damage or more commonly, extensive shock damage to property. India is lying within a Seismic belt and extensively heavy damage could be caused from such occurrences).

Earthquake coverage

See: catastrophe insurance policy .
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Typically excluded (along with other earth movement) from most property insurance policies, except ensuing fire. In most cases, earthquake coverage must be purchased by endorsement to a difference-in-conditions (DIC) policy or to an all risks policy. Normally, the coverage provided is subject to a per occurrence sublimit, an annual aggregate limit, and a separate deductible.

Earthquake Fire and Shock Cover as an Add On peril Standard Fire and Special Perils Policy (Material Damage)

This add on only if the entire property in one complex/compound/location is covered and the sum insured is equal to the main policy excluding the value of the plinth and foundations. (i) If insured opts to delete Storm tempest etc perils or does not take Flood Extra then the policy be extended to cover loss or damage (including loss or damage by fire) to any of the property insured by earthquake including landslide/rockslide resulting there from but excluding flood or overflow of the sea, lakes, reservoirs and rivers caused by Earthquake. (ii) If Insured has opted for Storm etc perils as also Flood perils then the notwithstanding anything stated in the printed exclusions of this policy the contrary, this insurance is extended to cover loss or damage (including loss or damage by fire) to any property insured occasioned by or through or in consequence of earthquake including flood or overflow of the sea, lakes, reservoirs and rivers and/or landslide/rockslide resulting therefrom.

Earthquake Insurance

Earthquake insurance provides coverage for direct damage from earthquake and volcanic eruption. This coverage is normally an endorsement to the standard property policy, which excludes earthquake. Earthquake coverage normally excludes losses resulting from fire, explosion, flood, or tidal wave (even if the tidal wave is caused by an earthquake).
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Insurance covering damage caused by an earthquake as defined in the contract.

Earthquake/earthquake insurance

Natural phenomenon in the form of a violent convulsion of the earth’s surface. The risks of earthquake and subterranean fire (fire of volcanic origin) are excluded from the standard fire policy. High risk areas are designated as ‘earthquake zones’. Earthquake cover can be obtained for either fire damage or earthquake shock damage as an additional peril. Subterranean fire can also be insured in this way. The risk is sometimes securitised as a catastrophe bond.