Definition: Fire and special perils policy is an insurance contract that safeguards the insured against unforeseen contingency caused by accidental fire, lightning, explosion/implosion, destruction or ...

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Increased rainfall due to the monsoon transition phase could lead to flooding, which brings into view the importance of having special perils coverage added to a vehicle insurance policy.

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Special Perils vs. Named Perils: Special perils policies offer broader protection, covering all risks except those specifically excluded, unlike named perils policies that cover only the risks listed.