Named peril ‘own damage’ cover added to a third party motor vehicle. The property damage cover is against damage caused by fire and theft risks only. The cover could stand alone if the vehicle is out of use.

A section in a building formed by fire walls and fire doors to prevent a fire from spreading beyond its confines into other parts of the building. It may affect rating and the insurer’s view on estimated maximum loss. An insurer may regard a fire division as being achieved when the fire resistant rating is a given level, e.g. four hours.
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Portion of a building or other area which is sufficiently enclosed against spread of Fire so that if a Fire begins within the division, it will not spread beyond its boundaries. Knowing the size and potential values of the largest Fire division within a given structure or other property is helpful in defining the maximum probable Fire loss to that property.

System to fix premiums for fire insurance risks. The insured pays in proportion to: (a) the value at risk; (b) the degree of hazard present. The premium is the rate per cent multiplied by the sum insured. The rate reflects: (i) the trade classification, groupings of trades or sections of trades, broadly similar in experience in terms of the incidence and severity of fires; (ii) discrimination, i.e. differentiation of individual risks within a specified class due to particular features present in any individual risk; (iii) experience, meaning the relationship of losses to premiums in a given class over a period of years.

Visual record showing distribution of insured properties in a given area. Identifies possibility of catastrophic fire losses through accumulation of risk.

In order to comply an employer must: (a) carry out a fire risk assessment, even if holding a fire certificate; (b) ensure that the fire risk can be detected and people suitably warned; (c) ensure that people can escape safely; (d) provide adequate firefighting equipment; (e) ensure that people know what to do in the event of fire; (f) check and maintain all fire safety equipment and provisions. Enforcement is by the local fire brigade.

A fire certificate is needed if more than 20 people are employed in the building, or more than 10 people are working other than on the ground floor, or if explosive or highly flammable materials are used or stored. Hotels and boarding houses require a fire certificate if sleeping accommodation is provided for more than six persons, or if any bedrooms are above the first floor or below ground floor. Certificates are issued by the fire authority when the owner or occupier has provided and maintained escape routes, fire fighting equipment and fire alarm systems as required. The Act overlaps with the Fire Precautions (Workplace) Regulations 1997 as amended by the Fire Precautions (Workplace) (Amendment) Regulations 1999.

Measures directed at reducing the incidence of fires. It includes public education, law enforcement and reduction of fire hazards and risks often at the instigation of insurers. See FIRE PROTECTION.
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Measures taken to prevent the outbreak of a fire.

Section 83 requires insurers to ensure that fire insurance money is spent on reinstatement of buildings in England and Wales up to the sum insured if requested by any party having an interest in the property or upon any suspicion that the claim is fraudulent.

All methods of controlling and extinguishing fires to protect property and human life from the damage and harm caused by fire. It includes construction safeguards, exit facilities, the installation of fire alarms, fire-detecting equipment and fire extinguishing equipment such as automatic sprinklers. The measures aim is to reduce the severity of the consequences of a fire. See FIRE PREVENTION.
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All measures for the prevention, detection, extinguishment of Fire, the protection of human life and the preservation of property. More narrowly, the methods of controlling or extinguishing Fire. Private Fire Protection : Fire protection provides by the owner or occupant of a property or by some non-public entity hired to provide such protection. Most private Fire protection is achieved through Fire extinguishers and sprinkler systems. Public Fire Protection : Fire protection provided by a municipal or other governmental authority to all properties over which that authority has jurisdiction. Most public Fire protection is achieved though Fire or police department personnel and equipment.Fire Resistance : A measure of the extent to which a building by its construction will resist fire and so reduce its spread.