Commercial insurance · Singapore

Fire Insurance

Covers loss or damage to commercial buildings and contents caused by fire, lightning and limited additional perils. Required by most landlords for commercial tenants in Singapore.

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When fire insurance is required

Fire insurance is not compulsory under any Singapore statute. It is, however, routinely required as a condition of commercial tenancy and commercial property finance:

  • Commercial landlords — almost every Singapore commercial tenancy includes a clause requiring the tenant to maintain fire insurance over the demised premises, naming the landlord as additional insured or loss payee.
  • HDB shophouses — HDB's standard tenancy agreement for commercial spaces requires fire insurance on the premises.
  • JTC industrial property — JTC anchor leases and industrial subleases require fire insurance and often Property All Risk on contents.
  • Mortgagee banks — commercial-property mortgages typically require fire insurance as a condition of drawdown, naming the bank as loss payee.
  • Strata-titled commercial property — the management corporation insures the building; subsidiary proprietors must insure their unit fit-out, contents and tenant-installed improvements.

What fire insurance covers

The Singapore fire policy wording is narrower than many buyers assume. The standard form covers physical loss or damage caused by:

  • Fire (whether resulting from explosion or otherwise) and lightning.
  • Explosion of domestic boilers and gas used for cooking or heating.
  • Impact by aircraft or articles dropped from aircraft.
  • Impact by road vehicles owned or operated by third parties (not the insured).

Anything not on that list — storm, flood, burst pipes, theft, malicious damage, riot, accidental damage, electrical breakdown — requires a named extension or a move to a Property All Risk wording.

Common exclusions and extensions

Standard exclusions on the fire form:

  • Spontaneous combustion of stock, fermentation and own-heat damage.
  • Loss caused by the insured's own steam-pressure vessels.
  • Subterranean fire, war and nuclear risks.
  • Consequential loss (covered by business interruption extension).

Common extensions to add to a fire policy:

  • Storm, tempest and flood (STF) — relevant for ground-floor and basement premises.
  • Burst water pipes and water-damage cover — common in older buildings.
  • Riot, strike and malicious damage (RSMD).
  • Earthquake — low Singapore risk but often required by regional parent groups.
  • Removal of debris beyond the standard 10 to 15 percent of sum insured.
  • Architects', surveyors' and consulting engineers' fees for reinstatement.

Setting the sum insured

The fire sum insured should equal the full reinstatement cost of what is being insured. For owner-occupied commercial property that is the cost to rebuild the structure; for tenants it is the replacement cost of the tenant-installed fit-out, contents, stock, plant and equipment.

Most Singapore fire wordings include an average condition. If the sum insured at the time of loss is less than the reinstatement value, the claim is scaled down by the under-insurance ratio. Re-stating the sum insured at every renewal to reflect renovations, new equipment and building-cost inflation is the simplest way to avoid average being applied.

When to switch to Property All Risk

Fire insurance is the cheapest property cover available, but it is also the narrowest. Move to a Property All Risk (PAR or IAR) wording when:

  • The landlord lease requires “All Risk” or “Industrial All Risk” rather than fire-only.
  • Contents and stock values are material relative to the building value.
  • The premises sit on a flood-prone street or basement.
  • The operations rely on high-value plant or electronic equipment vulnerable to accidental damage.
  • Business interruption is critical — PAR + BI is a cleaner construction than fire + STF + accidental damage + BI bolted onto a basic fire form.

Verified policy facts

Facts extracted verbatim from each insurer's policy document. We show the source URL, SHA-256 fingerprint of the PDF we read, and the document type (policy wording / proposal form / brochure). Where a fact is left blank in the source — for example, schedule-level limits in a master wording — we mark it “blank in source” rather than infer.

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AIG Singapore

AIG Asia Pacific Insurance Pte. Ltd.

Policy wording✓ Verified
Product summary

This policy covers your building or additions and alterations, contents, valuable articles and personal liability against loss or property damage. Coverage for building or additions and alterations is on a reconstruction cost basis; contents are covered on a replacement cost basis anywhere in the world; valuable articles are covered on a scheduled or unscheduled basis anywhere in the world; and personal liability covers damages an insured person is legally obligated to pay for personal injury or property damage caused by an occurrence to a third party anywhere in the world. Numerous complimentary coverages are included under each section, and complimentary AIG Homecare and Emergency Home Assistance Services are also provided.

Territorial scope
This policy covers loss, damage or liability occurring anywhere in the world unless otherwise stated.
Cover trigger
losses-occurring
Statutory anchor
Insurance Act 1966
Deductible
As shown in policy schedule; vacant residence deductible of 5% of sum insured applies if residence vacant more than 30 consecutive days; large loss deductible waiver applies for covered loss greater than $50,000 (vacant residence deductible still applies); no deductible applies to valuable articles unless otherwise stated; food spoilage deductible $250 per occurrence; lock replacement deductible does not apply; tree removal deductible does not apply
Sub-limits
  • Land:10% of building sum insured
  • Food Spoilage:S$5,000
  • Debris Removal:5% of building sum insured
  • Data Replacement:S$5,000
  • Tenant Liability:S$100,000
  • Identity Theft Expenses:S$50,000
  • Newly Acquired Contents:25% of highest content sum insured of any one residence
  • Tree Removal (Building):S$1,000
  • Tree Removal (Contents):S$1,000
  • Unlisted Residences Cover:10% of contents sum insured for one residence stated in policy schedule
  • Forced Evacuation duration:30 days
  • Lock Replacement (Building):S$2,500
  • Lock Replacement (Contents):S$2,500
  • Construction Material (Building):10% of building or additions and alterations sum insured
  • Property Removal for Safekeeping:90 days
  • Construction Materials (Contents):25% of content sum insured
  • Special Limit – Wine and whisky:S$15,000
  • Loss Prevention Devices (Building):S$2,000
  • Loss Prevention Devices (Contents):S$2,000
  • Forced Evacuation for Pets duration:30 days
  • Mould Rectification Cost (Building):S$50,000
  • Mould Rectification Cost (Contents):S$50,000
  • Damaged Property (Personal Liability):S$15,000
  • Property of Domestic Helper and Guest:10% of total contents sum insured for any one residence
  • Credit Card Forgery and Counterfeiting:S$30,000
  • Disability Modification Cost (Building):S$50,000
  • Disability Modification Cost (Contents):S$50,000
  • Food Spoilage deductible per occurrence:S$250
  • Emergency Preventive Measures (Building):S$2,500
  • Emergency Preventive Measures (Contents):S$2,500
  • Lost wages under Identity Fraud Expenses:up to $500 per week for maximum 4 weeks
  • Emergency Access to Residences (Building):S$2,500
  • Emergency Access to Residences (Contents):S$2,500
  • Medical Payment to Third Parties per party:S$10,000
  • Incidental Business Property (at residence):S$15,000
  • Landscaping per tree/shrub/plant (Building):S$5,000
  • Special Limit – Furs lost/misplaced/stolen:S$10,000
  • Medical Payment to Third Parties – time limit:3 years from date of accident
  • Incidental Business Property (outside residence):S$5,000
  • Special Limit – Jewellery lost/misplaced/stolen:S$10,000
  • Defence Cost – maximum for assisting investigation:S$25,000
  • Emergency Clothing and Essential Purchase (Building):S$1,000
  • Emergency Clothing and Essential Purchase (Contents):S$1,000
  • Defence Cost – daily expenses for assisting investigation:S$500
  • Mould Rectification Cost – Loss of Rent/Relocation (Building):S$5,000
  • Mould Rectification Cost – Loss of Rent/Relocation (Contents):S$5,000
  • Complimentary AIG HomeCare – service amount limit per incident:S$150
  • Complimentary AIG HomeCare – number of repairs per policy period:S$4
  • Special Limit – Negotiable papers, securities, accounts, evidences of debt etc:S$15,000
  • Special Limit – Watercraft, outboard motors, equipment and furnishings including trailers:S$5,000
  • Special Limit – Silverware/goldware/platinumware/pewterware/trophies lost/misplaced/stolen:S$10,000
  • Special Limit – Money, bank notes, money orders, drafts, checks, coins, medals, gold/silver/platinum bullion:S$2,500
Extensions (40)
  • ALTERNATE ACCOMMODATION
  • CONSTRUCTION MATERIAL
  • COLLAPSE
  • DEBRIS REMOVAL
  • DISABILITY MODIFICATION COST
  • EMERGENCY CLOTHING AND ESSENTIAL PURCHASE
  • EMERGENCY ACCESS TO RESIDENCES
  • EMERGENCY PREVENTIVE MEASURES
  • FORCED EVACUATION
  • FORCED EVACUATION FOR PETS
  • LANDSCAPING
  • LAND
  • LOSS OF RENT
  • LOSS PREVENTION DEVICES
  • LOCK REPLACEMENT
  • MOULD RECTIFICATION COST
  • REBUILDING FOR COMPLIANCE
  • SPECIAL COVERAGE FOR ACCESS
  • TREE REMOVAL
  • PRECAUTIONARY REPAIR
  • PROPERTY REMOVAL FOR SAFEKEEPING
  • DATA REPLACEMENT
  • FOOD SPOILAGE
  • INCIDENTAL BUSINESS PROPERTY
  • NEWLY ACQUIRED CONTENTS
  • PROPERTY OF DOMESTIC HELPER AND GUEST
  • UNLISTED RESIDENCES COVER
  • NEWLY ACQUIRED VALUABLE ARTICLES
  • CREDIT CARD FORGERY AND COUNTERFEITING
  • DAMAGED PROPERTY
  • IDENTITY THEFT EXPENSES
  • LANDLORD LIABILITY
  • MEDICAL PAYMENT TO THIRD PARTIES
  • TENANT LIABILITY
  • COMPLIMENTARY AIG HOMECARE SERVICES
  • COMPLIMENTARY EMERGENCY HOME ASSISTANCE SERVICES – EMERGENCY ELECTRICAL ASSISTANCE
  • COMPLIMENTARY EMERGENCY HOME ASSISTANCE SERVICES – LOCKSMITH
  • COMPLIMENTARY EMERGENCY HOME ASSISTANCE SERVICES – PEST CONTROL
  • COMPLIMENTARY EMERGENCY HOME ASSISTANCE SERVICES – PLUMBER
  • COMPLIMENTARY EMERGENCY HOME ASSISTANCE SERVICES – EMERGENCY AIR-CONDITIONER REPAIR
Exclusions (86)
  • CONFISCATION (Building) – We do not cover any loss caused by the destruction, confiscation, or seizure by any: a) government or public authority; b) financial institutions, including but not limited to banks.
  • DAMAGE TO OTHER PERMANENT STRUCTURES – We do not cover loss and/or damage to other permanent structures and hardscape including, but not limited to, guest houses, pool houses, sheds, swimming pools, decorative pools, driveways, fountains, underground irrigation systems, terraces, patios, retaining walls, walkways, fencing, gates, unattached decks, where your policy only covers additions and alterations but not building.
  • FAULTY, INADEQUATE OR DEFECTIVE PLANNING (Building) – We do not cover any loss or damage caused by faulty, inadequate or defective: a) planning, development, surveying, siting; b) design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction; c) materials used in repair, construction, renovation or remodeling; or d) maintenance; of part or all of any property whether on or off the residence. However, this exclusion does not apply to any ensuing covered loss unless any other exclusion applies.
  • LAND REQUISITION – We do not cover any loss caused by the acquisition of land by the government affecting your residence.
  • LANDSLIDE – We do not cover any loss or damage as a result of landslide, soil erosion or mudflow. However, this exclusion does not apply to; a) landslide as a direct result of a flood b) ensuing covered loss due to fire, explosion, theft or breakage of fixed glass unless another exclusion applies.
  • MOULD (Building) – We do not cover any loss or damage caused, directly or indirectly, by or resulting from, mould or the presence of mould. However, this exclusion does not apply to a covered loss arising under Mould Rectification Cost.
  • STRUCTURAL MOVEMENT – We do not cover any loss caused by settling, cracking, shrinking, bulging or expansion of any building or additions and alterations. However, this exclusion does not apply to ensuing covered loss unless any other exclusion applies or where the settling, cracking, shrinking, bulging or expansion causes water to escape from a household appliance, swimming pool or plumbing, heating or air conditioning system.
  • TEMPERATURE AND DAMPNESS (Building) – We do not cover any loss or damage caused by extremes of temperature, dampness or dryness of atmosphere, or water vapour. This exclusion does not apply to loss or damage caused directly by rain, sleet or hail.
  • WATER OR ICE DAMAGE – We do not cover loss or damage to your swimming pool, fences, tennis court, hot tubs, patio, pavements, foundations, septic systems, retaining walls, wharves, docks, piers, bridges or bulkheads caused by freezing, thawing, or the pressure or weight of water or ice. However, we do cover loss or damage ensuing from a covered loss unless another exclusion applies.
  • AIRCRAFT (Contents) – We do not cover any loss or damage to aircraft or aircraft parts.
  • BREAKDOWN (Contents) – We do not cover any loss caused by electrical or mechanical breakdown. This exclusion does not apply to any loss to wine caused by extreme temperature, gradual deterioration or spoilage resulting from the failure of a climate control system, electrical power interruption off the residence or within the residence and/or mechanical or electrical breakdown of the refrigerator and/or wine cellar.
  • BUSINESS PROPERTY (Contents) – We do not cover any loss or damage relating to property and/or items used for business.
  • CONTRABAND (Contents) – We do not cover loss and/or damage to contraband or anything in your possession illegally.
  • CONFISCATION (Contents) – We do not cover any loss or damage to your contents caused by the confiscation or seizure by any: a) government or public authority; b) financial institutions, including but not limited to banks, moneylenders; c) person or entity providing you with a credit facility; or d) person or entity as collateral, whether lawfully or unlawfully.
  • MOTORIZED LAND VEHICLES (Contents) – We do not cover any loss or damage to motorised land vehicles including their equipment, accessories or any electronic devices operated solely by power from the electrical system of that vehicle. This does not include recreational motor vehicle.
  • MUSICAL INSTRUMENTS (Contents) – We do not cover loss or damage to musical instruments caused by mechanical breakdown or failure, repairing, adjusting, servicing or maintenance unless fire or explosion results, and then only for the loss or damage caused directly by such resulting fire or explosion.
  • MOULD (Contents) – We do not cover any loss or damage caused, directly or indirectly, by or resulting from, mould or the presence of mould. This exclusion includes, but is not limited to, clothing, handbags, shoes and any other garment or leather accessories. However, this exclusion does not apply to a covered loss arising under Mould Rectification Cost.
  • MISAPPROPRIATION (Contents) – We do not cover any loss or damage caused by the theft or other misappropriation of contents from you or a family member by you or an insured person.
  • RENOVATIONS AND REPAIRS (Contents) – We do not cover loss or damage caused by renovating, refinishing, cleaning or repairing any kind of contents, except jewellery, watches and furs. However, this exclusion does not apply to ensuing covered loss unless any other exclusion applies.
  • SHIPMENT BY MAILS (Contents) – We do not cover any loss caused during shipment by mail, including regular first class mail unless agreed to in advance by us in writing.
  • STAMPS AND COINS (Contents) – We do not cover any loss or damage to stamps or coins caused by: a) fading, creasing, handling, denting, scratching, tearing, thinning, colour transfer, aridity, dampness or extreme temperature; or b) handling or being worked on.
  • TEMPERATURE OR DAMPNESS (Contents) – We do not cover any loss or damage caused by extremes of temperature, dampness or dryness of atmosphere, or water vapour. This exclusion does not apply to loss or damage caused directly by rain, sleet, snow or hail.
  • TENANT'S PROPERTY – We do not cover any loss or damage to the personal property of lodgers, boarders or other tenants residing at the residence.
  • PROFESSIONAL USE (Contents) – We do not cover any loss or damage to any contents that is used for business or for profit, except in an incidental business, unless we have provided our prior approval in writing.
  • WATERCRAFT ACCIDENTS – We do not cover any loss caused by the a) stranding, swamping, or sinking of a watercraft or its trailer, or outboard motor. b) collision of a watercraft, other than collision with a land vehicle, unless another exclusion applies.
  • WINE SPOILAGE (Contents) – We do not cover any loss or damage to spoilage of wine unless the spoilage is caused by the failure of a climate control system, electrical power interruption off the residence or within the residence and/or mechanical or electrical breakdown of the refrigerator and/or wine cellar.
  • AIRCRAFT (Valuable Articles) – We do not cover any loss or damage to aircraft or aircraft parts.
  • BREAKDOWN (Valuable Articles) – We do not cover any loss caused by electrical or mechanical breakdown. This exclusion does not apply to any loss to wine caused by extreme temperature, gradual deterioration or spoilage resulting from the failure of a climate control system, electrical power interruption off the premises or within the premises and/or mechanical or electrical breakdown of the refrigerator and/or wine cellar.
  • BUSINESS PROPERTY (Valuable Articles) – We do not cover any loss or damage relating to property or items used for business.
  • CONTRABAND (Valuable Articles) – We do not cover loss and/or damage to contraband or anything in your possession illegally.
  • CONFISCATION (Valuable Articles) – We do not cover any loss or damage to your valuable articles caused by the confiscation or seizure by any: a) government or public authority; b) financial institutions, including but not limited to banks, moneylenders; c) person or entity providing you with a credit facility; or d) person or entity as collateral, whether lawfully or unlawfully.
  • JEWELLERY IN VAULT – We do not cover any loss to specified jewellery described in your policy schedule as 'jewellery in vault' while these items are out of a bank vault, unless we agree in writing in advance that we will cover them.
  • JEWELLERY (WITHIN SINGAPORE) – We do not cover any loss to scheduled or unscheduled jewellery described in your policy schedule as 'Jewellery – within Singapore' while these items are out of Singapore, unless we agree in writing in advance that we will cover them.
  • JEWELLERY (WITHIN RESIDENCES) – We do not cover any loss to scheduled or unscheduled jewellery described in your policy schedule as 'Jewellery – within residences' while these items are out of the residences unless we agree in writing in advance that we will cover them.
  • MISAPPROPRIATION (Valuable Articles) – We do not cover any loss or damage caused by the theft or other misappropriation of valuable articles from you or an insured person or by you or an insured person.
  • MOTORIZED LAND VEHICLES (Valuable Articles) – We do not cover any loss or damage to motorised land vehicles including their equipment, accessories or any electronic devices operated solely by power from the electrical system of that vehicle. This does not include recreational motor vehicle.
  • MOULD (Valuable Articles) – We do not cover any loss or damage caused, directly or indirectly, by or resulting from, mould or the presence of mould. This exclusion includes, but is not limited to, clothing, handbags, shoes and any other garment or leather accessories. However, this exclusion does not apply to a covered loss arising under Mould Rectification Cost.
  • MUSICAL INSTRUMENTS (Valuable Articles) – We do not cover loss or damage to musical instruments caused by mechanical breakdown or failure, repairing, adjusting, servicing or maintenance unless fire or explosion results; and then only for the loss or damage caused directly by such resulting fire or explosion.
  • RENOVATIONS AND REPAIRS (Valuable Articles) – We do not cover loss or damage caused by renovating, refinishing, cleaning, restoring or repairing any kind of valuable articles, except to jewellery, watches and furs unless we have given our prior approval in writing. However, this exclusion does not apply to any ensuing covered loss unless any other exclusion applies.
  • SHIPMENT BY MAIL (Valuable Articles) – We do not cover any loss caused during shipment by mail, including regular first class mail unless agreed to in advance by us in writing.
  • STAMPS AND COINS (Valuable Articles) – We do not cover any loss or damage to stamps or coins caused by: a) fading, creasing, handling, denting, scratching, tearing, thinning, colour transfer, aridity, dampness or extreme temperature; or b) handling or being worked on.
  • LOSS TO PRECIOUS METAL – We do not cover any loss to bullion, gold, silver or other precious metals unless we agreed in writing in advance that we will cover them.
  • TEMPERATURE AND DAMPNESS (Valuable Articles) – We do not cover any loss or damage caused by extremes of temperature, dampness or dryness of atmosphere, or water vapour. This exclusion does not apply to loss or damage caused directly by rain, sleet, snow or hail.
  • PROFESSIONAL USE (Valuable Articles) – We do not cover any loss or damage to any valuable articles that is used for business or for profit, except in an incidental business, unless we have provided our prior approval in writing.
  • WINE SPOILAGE (Valuable Articles) – We do not cover any loss or damage to spoilage of wine unless the spoilage is caused by the failure of a climate control system, electrical power interruption off the residence or within the residence and/or mechanical or electrical breakdown of the refrigerator and/or wine cellar.
  • AIRCRAFT (Personal Liability) – We do not cover personal injury or property damage arising out of: a) the ownership, maintenance, use, loading, unloading, or towing of any aircraft owned by you or operated by you or rented or loan by you; b) the negligent entrustment by you of an aircraft to any person; c) the failure to supervise or negligent supervision by you of any person involving an aircraft; or d) vicarious liability, whether or not imposed by law, for the action of a minor involving an aircraft.
  • BUSINESS PURSUITS – We do not cover personal injury or property damage arising out of an insured person's business pursuits, investment activity or any activity intended to generate a profit. However, this exclusion does not apply to: a) voluntary work for an organised and registered charitable, religious or community group; or b) incidental business activity.
  • CARE CUSTODY AND CONTROL – We do not cover any loss arising from property damage in relation to property owned by, or in the custody, care or control of, an insured person.
  • CONTRACT AND AGREEMENTS – We do not cover any property damage or personal injury arising from any contract or agreement, whether written or unwritten.
  • DANGEROUS DOGS – We do not cover any personal injury or property damage caused by a dog owned by an insured person which specified under the Second Schedule of the Animals and Bird (Dog Licensing and Control) Rules of the Animals and Bird Act (Cap. 7).
  • ENDANGERED WILDLIFE AND ANIMALS – We do not cover any loss, damage or liability caused by any animal, reptile, primates or amphibians listed under Appendix I – III of the Convention on International Trade in Endangered Species of Wild Fauna and Flora (CITES) whether it is owned by the you or an insured person legally or illegally.
  • DANGEROUS ANIMALS, PRIMATE, AMPHIBIANS AND SPECIES – We do not cover any personal injury or property damage caused directly or indirectly by an animal, primate, amphibians or species that you own, possess, in your care or have in custody of acquire, own or keep that: a) is a breed or species named by or controlled by any law because of public safety concerns; b) has previously inflicted injury upon any person resulting in maiming, disfigurement, mutilation, impairment, disability, death, loss of ability to work or attend school or conduct a normal routine; c) has been trained to fight, attack or kill; d) is wild by birth or by nature and the animal or species is not customarily domesticated; or e) is venomous.
  • DIRECTOR'S ERRORS AND OMISSIONS – We do not cover any liability arising out of any insured person's acts, errors or omissions as an officer or member of the board of directors of any corporation or organisation.
  • DISCRIMINATIONS – We do not cover personal injury arising out of actual, alleged or threatened discrimination or harassment due to age, race, national origin, colour, sex, creed, handicapped status, sexual preference or any other discrimination.
  • FINANCIAL GUARANTEE – We do not cover any loss or damages for an insured person's guarantee of financial performance of any organisation, insured person or other individual.
  • PERSONAL INJURY (to insured) – We do not cover personal injury to you or an insured person under this policy.
  • PROPERTY DAMAGE (owned) – We do not cover any property damage to any property owned by you or an insured person.
  • MOULD (Personal Liability) – We do not cover personal injury or property damage arising directly or indirectly, in whole or in part, out of the actual or alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or presence of any mould. However, this exclusion does not apply to personal injury or property damage arising out of mould either in or on, a good or product intended for consumption.
  • MOTORIZED LAND VEHICLES (Personal Liability) – We do not cover personal injury or property damage arising out of the ownership, maintenance, use, loading or unloading of any motorised land vehicle used by you, an insured person or a third party. This exclusion does not apply to recreational motor vehicles used by you or by a third party with permission from you or an insured person unless it is being used for racing or time trials.
  • PROFESSIONAL SERVICES – We do not cover personal injury or property damage arising out of an insured person's performance or failure to perform professional services for which any insured person is legally responsible or licensed.
  • RACING – We do not cover any personal injury or property damage arising out of the participation in or practice for competitive racing of any motorised land vehicle, recreational motorised vehicle, watercraft or aircraft.
  • SALES OR TRANSFER OF PROPERTY – We do not cover any property damage or personal injury arising out of the sale or transfer of any real or personal property including, but not limited to: a) known or unknown property or structural condition or defect; b) known or unknown condition or defect in plumbing, heating, air conditioning, electrical, or other systems; c) known or unknown soil condition or drainage problem; or d) concealment or misrepresentation of any known or unknown condition or defect.
  • SEXUAL MOLESTATION OR CORPORAL PUNISHMENT – We do not cover personal injury arising out of any actual, alleged or threatened: a) sexual molestation, misconduct or harassment; b) corporal punishment; or c) sexual, physical or mental abuse.
  • TRANSMITTABLE DISEASES – We do not cover personal injury resulting directly or indirectly from any illness, sickness or disease transmitted intentionally or unintentionally by an insured person to anyone.
  • PUNITIVE DAMAGES OR TAXES – We do not cover any damages, defence cost or any other cost or expenses for or arising out of fines, penalties, taxes, and punitive, exemplary or multiplied damages.
  • WATERCRAFT (Personal Liability) – We do not cover personal injury or property damage arising out of the ownership, possession, maintenance, use, operation, transportation, loading, unloading or towing of any watercraft which is owned by you or an insured person or lent or rented to you or an insured person for longer than thirty (30) days.
  • WORKER COMPENSATION – We do not cover any damages or compensation an insured person is legally obligated to pay under workers compensation, disability benefits or other similar laws.
  • WRONGFUL TERMINATION – We do not cover any personal injury arising out of wrongful termination of employment.
  • ACT OF WAR – We do not cover any direct loss or ensuing loss caused by any kind of warlike action. War includes undeclared war, civil war, insurrection, rebellion, revolution, warlike act by a military force or military personnel, destruction, seizure, or use for a military purpose, and including any consequence of any of these. Discharge of a nuclear weapon shall be deemed a warlike act even if accidental.
  • ACT OF TERRORISM – We do not cover any loss or damages directly or indirectly caused or contributed to by any act of terrorism. We also do not cover any loss or damage caused by efforts to prevent, terminate, counter, retaliate against or respond to any act of terrorism.
  • DISHONEST ACT – We do not cover any loss or damages caused by any dishonest or criminal act by, or at the direction of, you or any insured person.
  • EXISTING DAMAGE – We do not cover any loss or damage which occurred prior to the policy period.
  • FAULTY INADEQUATE OR DEFECTIVE PLANNING (General) – We do not cover any loss or damage caused by faulty, inadequate or defective: a) planning, development, surveying, siting; b) design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction; c) materials used in repair, construction, renovation or remodeling; or d) maintenance; of part or all of any property whether on or off the residence. However, this exclusion does not apply to any ensuing covered loss unless any other exclusion applies.
  • GRADUAL DETERIORATION, BREAKDOWN, WEAR AND TEAR – We do not cover any loss or damage caused by: a) wear and tear, gradual deterioration; b) inherent vice, latent defect, mechanical or electrical breakdown that you: I. were aware of at the time this policy was entered into; or II. could have been reasonably expected to be aware of when this policy was entered into; or c) warping or shrinkage, rust or other corrosion, wet or dry rot. However, this exclusion does not apply to ensuing covered loss unless any other exclusion applies or where the gradual deterioration, breakdown or wear and tear causes water to escape from a household appliance, swimming pool or plumbing, heating or air conditioning system. Exclusion b. does not apply to damage to household electrical motors if there is actual burning out of the motor which is not caused by improper maintenance.
  • INTENTIONAL ACT – We do not cover any loss caused by any act, whose consequences could have been foreseen by a reasonable person, committed by or at the direction of you or a family member and with the intent to cause loss or damage. This exclusion does not apply when the loss is caused by an intentional act for the purpose of preventing loss or further loss to the residence, contents or valuable articles, personal injury or property damage.
  • LOSS CAUSED BY RODENT, INSECT, VERMIN AND/OR BIRDS – We do not cover any loss or damage caused by rodents, insects, vermin or birds. However, this exclusion does not apply to: a) loss or damage to your contents caused by birds; or b) ensuing covered loss unless any other exclusion applies or where an animal causes water to escape from a household appliance, swimming pool or plumbing, heating or air conditioning system.
  • LOSS OR INJURY TO ANIMALS, PRIMATES, AMPHIBIANS AND SPECIES – We do not cover loss of or injury to any kind of animals, primates, amphibians and species that you own, possess, or which is in your care, custody or control.
  • FAILURE TO PREVENT – We do not cover loss or damage resulting from the failure of an insured person to use all reasonable means to save and preserve their residence at and after the time of loss.
  • NUCLEAR HAZARD – We do not cover any loss or damage caused directly or indirectly by nuclear hazard. However, we do cover loss or damage ensuing from a loss due to fire resulting from a nuclear hazard, unless another exclusion applies.
  • RADIOACTIVE, CHEMICAL OR BIOLOGICAL CONTAMINATION OR HAZARD – We do not cover any loss or damage, directly or indirectly caused by: a) chemical, biological, bio-chemical, or electromagnetic Contamination whether controlled or uncontrolled or however caused; b) radioactivity or ionizing radioactive Contamination from nuclear fuel or nuclear waste arising from burning nuclear fuel; c) the radioactive, poisonous, explosive or other dangerous properties of any nuclear equipment or nuclear part of that equipment; or d) the use of a chemical or biological weapon.
  • ECONOMIC SANCTIONS – We will not be liable to provide any coverage or make any payment under this policy if to do so would be in violation of any sanctions law or regulation which would expose us, our parent company or our ultimate controlling entity to any penalty under any sanctions law or regulation.
  • HomeCare General Exclusion 1 – Where your residence is a condominium unit that has just obtained Temporary Occupation Permit being the responsibility of the developer or structural issues in condominium unit being the responsibility of the property's managing agent or developer.
  • HomeCare General Exclusion 2 – Loss or damage arising from the disconnection or interruption of mains service being the responsibility of the utility provider concerned or from circumstances known to you prior to the effective date of your policy.
  • HomeCare General Exclusion 3 – Costs related to replacement of parts due to natural wear and tear and/or gradual deterioration.
  • HomeCare General Exclusion 4 – Costs required solely to remedy damage or breakdown occasioned by attempted repair or modification by you or your duly appointed contractor.
  • HomeCare General Exclusion 5 – Cost of repairs to any underground or concealed water pipe(s).
Defined terms (49)
Accident
a sudden, unforeseen and fortuitous event.
Accidental
a loss or damage occurring due to an Accident.
Actual cash value
the amount it would cost to replace covered property with new property of like kind and quality.
Additions and alterations
items of real property, improvements, installations, or fixtures that you paid for or acquired at your expense along with the residence. The property must be your insurance responsibility under the governing rules of the condominium, or if you are a tenant, subject to the terms of the lease agreement.
Aircraft
any device used or designed for flight, except model or hobby craft not used or designed to carry people or cargo.
Bicycles
all types of bicycles except motor bicycles or any other motor-powered conveyances or vehicles of any kind unless approved by us in writing.
Bodily Injury
bodily harm, including sickness or disease that results from it and required care, loss of services, or resulting death.
Building
the main dwelling and its additions and alterations at each residence named in your policy schedule that is not a condominium or apartment. This includes other permanent structures you own including, but not limited to, guest houses, pool houses, sheds, swimming pools, detached garages, hardscape such as driveways, fountains, underground irrigation systems, decorative pools, terraces, patios, retaining walls, walkways, fencing, gates, and unattached decks at the residence.
Business
a part-time or full-time trade, occupation or profession, any activities engaged in for money or other compensation, other than incidental business.
Business Equipment
the equipment used for your incidental business, including but not limited to photocopier, telecommunication equipment, office furniture and computers.
Collapse
an abrupt falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its current intended purpose. A building or any part of a building that is in danger of falling down or caving in is not considered to be in a state of collapse. A part of a building that is standing is not considered to be in a state of collapse even if it has separated from another part of the building. A building or any part of a building that is standing is not considered to be in a state of collapse even if it shows evidence of cracking, bulging, sagging, bending, leaning, settling, shrinkage, or expansion.
Contents
personal property owned by, or in the possession of, you or a family member.
Damages
the sum required to satisfy a liability claim up to the sum insured, whether settled or agreed to in writing by us or resolved by judicial procedure.
Deductible
the amount which you have to pay in the event of a claim.
Depreciation
a decrease in the value of any property over a period of time as a result of deterioration, use or wear and tear.
Family member
any person residing with you in the residence who is: a) related to you by blood, marriage or adoption; b) your relative; c) your sibling's spouse and children; or d) your unmarried child age 26 or younger who reside in your household when not attending school while abroad.
Fine arts
paintings, sculptures, etchings, statues, antiques and other bona fide works of art with historical value or artistic merit.
Fungi
any type or form of fungus, including, but not limited to all forms of mold or mildew, and any mycotoxins, spores, scents, vapors, gases or substances, including any by-products, produced or released by fungi.
Fur
clothing or garments made of, trimmed in or consisting of majority fur.
Golfer's equipment
golf clubs, golf clothing and other golf accessories, equipment, except golf balls. We will also cover other clothing that is stored in a secured locker while you are playing golf.
Incidental Business
a. A business activity that: i. does not produce annualized gross revenues in excess of $25,000; ii. does not have employees subject to workers' compensation or other similar disability laws; and iii. conforms to Singapore laws and regulations. b. Rental income generated from residence(s) listed on the policy schedule that you own and rent to others, regardless of the annualised income generated from the residence(s). Annualised is determined by examining the activity during the twelve (12) months preceding the date of loss.
Insured Person
a) you or a family member; or b) any additional insured named in your policy schedule c) any person given permission by you or a family member to use a vehicle or watercraft covered under this policy with respect to their legal responsibility arising out of its use.
Jewellery
articles of personal adornment containing gemstones, silver, gold, platinum or other precious metals. This also includes watches. We do not cover unset/ loose gemstones unless we have given our prior approval in writing.
Landscaping
your trees, lawn, shrubs and other plants on the grounds of your residence.
Loss
physical loss or damage to your residence or contents and/or valuable articles covered under this policy subject to the terms, conditions and exclusions.
Market value
refers to the amount for which an article could reasonably be expected to be replaced immediately prior to the time of loss or damage with one substantially identical.
Motorised land vehicle
any vehicle which requires registration or operator licensing. This includes self-propelled motorhomes, motorcycles and attached trailers.
Medical expenses
reasonable charges for medical, dental, hospital, surgical, X-ray, prosthetic devices, professional nursing, ambulance, traditional chinese practitioner and acupuncturist.
Mould
any type or form of fungus, including but not limited to all forms of mould or mildew, and any mycotoxins, spores, scents, vapours, gas or substance, including any by-products, produced or released by mould.
Musical instruments
musical instruments and miscellaneous property such as sheet music, stands and carrying cases used in connection with musical instruments.
Nuclear hazard
any nuclear reaction, radiation or radioactive Contamination, all whether controlled or uncontrolled or however caused, or any consequence of any of these.
Occurrence
a loss or an accident or a series of losses or accidents arising out of the one event which occur/s wholly during the policy period, including continuous or repeated exposures to the same general harmful conditions.
Personal Injury
injuries or death resulting from the following: a) bodily injury; b) wrongful detention, false imprisonment or false arrest; c) shock, emotional distress, mental injury; d) defamation, libel or slander; or e) wrongful entry or eviction.
Pollutants or Contaminants
any of the following: a) Solid, liquid gaseous or thermal irritant or contaminant; b) Lead or any materials containing lead; c) Asbestos or any materials containing asbestos; d) Radon; e) Formaldehyde or any materials containing formaldehyde; f) Carbon monoxide; g) Acids, alkalis, or chemicals; h) Radioactive substances; or i) Any other irritant including waste, vapor, fumes, or odours.
Policy period
a period of 12 consecutive months or any other period of insurance we agree to cover to cover you for, as shown in the policy schedule from the effective date or renewal date of your policy.
Property Damage
physical damage to, destruction of, or loss of use of tangible property.
Recreational Motor Vehicle
a motorized land vehicle designed for use off public roads and not subject to motor vehicle registration by any local authority, including but not limited to; a) any vehicle used to solely service any residence you own or live at; b) any vehicle designed to assist handicapped persons; c) unregistered motorised land vehicle(s) in storage at your residence; or d) buggies.
Reconstruction Cost
the lesser of the amount at the time of the loss required to: a) restore or repair a structure; or b) replace or rebuild a structure at the same residence with materials and workmanship of like kind and quality and includes fees from architects, surveyors and consulting engineers. It does not include any amount required for the excavation, replacement or stabilisation of land under or around a structure.
Replacement cost
a) for contents – the full cost to replace the contents without depreciation or the amount required to repair the damage, whichever is lesser, up to the sum insured subject to the Special Limits of Insurance; and b) for valuable articles - the full cost to replace the valuable articles without depreciation or the amount required to repair the damage, whichever is lesser, up to the sum insured subject to the Unscheduled Per Article Limit for that class of valuable articles.
Residence
any of the following which is listed in your policy schedule: a) any building or additions and alterations and grounds that you own; b) any condominium or apartment that you own or rent; or c) any other property you own or reside in.
Silverware
items made of or plated with silver including, but not limited to trays, trophies, sterling silver items, pewter and other personal articles other than jewellery.
Vacant
that the residence has been unoccupied for more than thirty (30) consecutive days at the time of a covered loss.
Valuable Articles
refers to fine arts, collectibles, jewellery, bicycles, cameras, stamp(s) or coin(s), furs, golfer's equipment, musical instruments, silverware, wine, handbags, mobile phones, computers, and laptops. Valuables of any other kind which you own or possess can only be classified as Valuable Articles with our prior written consent.
Watercraft
a boat or craft, its hull, machinery, fixtures, fittings, furnishings, and all other items used in the connection with navigation that is principally designed to be propelled on, over, or in the water by wind, engine power, or electric motor.
Wine
an alcoholic or non-alcoholic beverage produced through the fermentation of grapes at a recognized winery.
We, us, our and ours
AIG Asia Pacific Insurance Pte. Ltd..
You, your, yours and yourself
the person named in the policy schedule, and a spouse (legal or de facto) who lives with that person.
Identity Fraud
the act of knowingly transferring or using, without lawful authority, a means of identification of you or a family member with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of law.
Contraband
any goods, merchandise, item(s) or article(s) whose importation, exportation, or possession is forbidden by the government or any public authority.
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Etiqa Insurance Singapore

Etiqa Insurance Pte. Ltd.

Policy wording✓ Verified
Product summary

In consideration of the Insured named in the Schedule hereto paying to Etiqa Insurance Pte. Ltd. (hereinafter called "the Company") the Premium mentioned in the Schedule. The Company agrees subject to the Terms and Conditions contained herein or endorsed hereon that if after payment of the Premium the Property Insured described in the said Schedule or any part of such Property Insured be destroyed or damaged by Fire or Lightning whether accompanied by Fire or not at any time during the Period of Insurance stated in the Schedule or during any further period for which the Company may accept payment for the renewal of this Policy, the Company will pay or make good to the Insured the value of the Property Insured at the time of the happening of its destruction or the amount of such damage.

Cover trigger
losses-occurring
Statutory anchor
Insurance Act 1966
Sub-limits
  • curiosity or work of art:S$200
  • E8 Full Flood exclusion per loss:S$1,000
  • removal of debris (aggregate cap):10% of the total sum insured
  • E2 Impact Damage exclusion per loss:S$50
  • Extended Impact Damage Clause deductible per claim:S$500
  • E3 Bursting or Overflowing of Water Pipes & Tanks exclusion per loss:S$150
  • E7 Earthquake/Windstorm/Flood excess — lesser of 1% of total sum insured on buildings or:S$400
Extensions (24)
  • E1) AIRCRAFT DAMAGE
  • E2) IMPACT DAMAGE
  • E3) BURSTING OR OVERFLOWING OF WATER PIPES & TANKS
  • E4) STANDARD EXPLOSION
  • E5) RIOT & STRIKE
  • E6) MALICIOUS DAMAGE
  • E7) EARTHQUAKE, WINDSTORM AND FLOOD
  • E8) FULL FLOOD
  • EXTENDED IMPACT DAMAGE CLAUSE
  • COMPUTER SYSTEM RECORDS CLAUSE
  • ELECTRICAL INSTALLATION CLAUSE – 4A
  • ELECTRICAL INSTALLATION CLAUSE – 4B
  • Professional Fees Clause
  • Removal Of Debris Clause
  • Smoke Damage Clause
  • Spontaneous Combustion Clause
  • Sprinkler Leakage Clause
  • MCST Endorsement 3
  • MCST Endorsement 4
  • MCST Endorsement 5
  • Loss Payee Clause
  • Mortgagee (Chargee) Clause
  • Non-Cancellation Clause
  • Non-Cancellation Clause (For Maybank)
Exclusions (31)
  • Loss by theft during or after the occurrence of fire
  • Loss or damage to property occasioned by its own fermentation natural heating or spontaneous combustion [except as may be provided in accordance with Condition 7(f)], or by its undergoing any heating or drying process
  • Loss or damage occasioned by or through or in consequence of the burning of property by order of any public authority
  • Loss or damage occasioned by or through or in consequence of subterranean fire
  • Loss or damage directly or indirectly caused by or arising from or in consequence of or contributed to by nuclear weapons material
  • Loss or damage directly or indirectly caused by or arising from or in consequence of or contributed to by ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
  • Earthquake, volcanic eruption or other convulsion of nature
  • Typhoon, hurricane, tornado, cyclone or other atmospheric disturbance
  • War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war
  • Mutiny, riot, terrorism, military or popular rising, insurrection, rebellion, revolution, military or usurped power, martial law or state of siege or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege
  • Goods held in trust or on commission (unless expressly included)
  • Bullion or unset precious stones (unless expressly included)
  • Any curiosity or work of art for any amount exceeding S$200.00 (unless expressly included)
  • Manuscripts, plans, drawings or design, patterns, models or moulds (unless expressly included)
  • Securities, obligations or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books or computer systems records (unless expressly included)
  • Coal, against loss or damage occasioned by its own spontaneous combustion (unless expressly included)
  • Explosives (unless expressly included)
  • Any loss or damage occasioned by or through or in consequence of explosion (unless expressly included, with exception for gas used for illuminating or domestic purposes)
  • Any loss or damage occasioned by or through in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle and the cleaning of lands by fire
  • TERRORISM EXCLUSION ENDORSEMENT: loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss
  • Y2K – ELECTRONIC DATE EXCLUSION: any loss or damage directly or indirectly caused by or consisting of or arising from the failure or inability of any computer, electronic equipment, data processing or media, microchip, embedded chip, integrated circuit or similar device, or firmware or any computer software to correctly recognize any date as its true calendar date, or to capture save or retain and/or correctly manipulate, interpret or process any data or information or command or instruction as a result of treating any date otherwise than as its true calendar date, or to capture save retain or correctly to process any data as a result of the operation of any command which has been programmed into any computer software, being a command which causes the loss of data or the inability to capture save retain or correctly to process such data on or after any date
  • CYBER LOSS ABSOLUTE EXCLUSION CLAUSE: any Cyber Loss, meaning any loss, damage, liability, expense, fines or penalties or any other amount directly or indirectly caused by: the use or operation of any Computer System or Computer Network; the reduction in or loss of ability to use or operate any Computer System, Computer Network or Data; access to, processing, transmission, storage or use of any Data; inability to access, process, transmit, store or use any Data; any threat of or any hoax relating to the foregoing; any error or omission or accident in respect of any Computer System, Computer Network or Data
  • IT CLARIFICATION CLAUSE: Loss of or damage to data or software, in particular any detrimental change in data, software or computer programs that is caused by a deletion, a corruption or a deformation of the original structure, and any business interruption losses resulting from such loss or damage (except loss or damage to data or software which is the direct consequence of insured physical damage to the substance of property); Loss or damage resulting from an impairment in the function, availability, range of use or accessibility of data, software or computer programs, and any business interruption losses resulting from such loss or damage
  • Fallen buildings: insurance ceases on fall or displacement of the building or substantial part thereof (unless caused by fire covered by the Policy)
  • Marine Clause: loss or damage to property which at the time is insured by or would be insured by any Marine Policy or Policies (except excess beyond marine amount)
  • Sprinkler Leakage Clause excludes: heat caused by fire; repairs or alterations to building or premises; sprinkler installation being repaired, removed or extended; freezing in vacant or unoccupied premises or due to neglect of insured; order of government or competent authority; volcanic eruption, earthquake, subterranean fire, riot, civil commotion, war, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection or military or usurped power; explosion, blowing-up of building or blasting; defects in construction or condition of which the insured is aware
  • E3 Bursting or Overflowing: excludes damage to the tanks/pipes/apparatus themselves; loss or damage whilst building is untenanted; loss or damage by water discharged or leaking from any automatic sprinkler installation
  • E4 Standard Explosion: excludes loss of or damage to boilers, economizers, or other vessels, machinery or apparatus in which pressure is used or their contents resulting from the explosion
  • E6 Malicious Damage: excludes loss or damage by fire or explosion and loss or damage arising out of or in the course of burglary, housebreaking, theft or larceny or any attempt thereat or caused by any person taking part therein
  • E7/E8: excludes consequential loss of any kind other than rent if insured; loss or damage caused by hail whether driven by wind or not; loss or damage caused by explosion except as provided in Condition 7(h); loss by reason of any ordinance or law regulating construction or repair of buildings; loss or damage caused by subsidence or landslip except when occasioned by Earthquake or Volcanic Eruption; metal smoke stacks, awnings, blinds, signs or other outdoor fixtures or fittings, fences, gates, goods stored in the open or goods in transit (unless specifically and separately insured); premises in course of construction, reconstruction or repair unless all outside doors, windows and other openings are complete and protected
  • Smoke Damage Clause excludes: destruction or damage directly or indirectly occasioned by or happening through or in consequence of war, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection or military or usurped power; consequential loss or damage of any kind or description
Defined terms (10)
act of terrorism
an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear
Cyber Loss
any loss, damage, liability, expense, fines or penalties or any other amount directly or indirectly caused by: 2.1 the use or operation of any Computer System or Computer Network; 2.2 the reduction in or loss of ability to use or operate any Computer System, Computer Network or Data; 2.3 access to, processing, transmission, storage or use of any Data; 2.4 inability to access, process, transmit, store or use any Data; 2.5 any threat of or any hoax relating to 2.1 to 2.4 above; 2.6 any error or omission or accident in respect of any Computer System, Computer Network or Data
Computer System
any computer, hardware, software, application, process, code, programme, information technology, communications system or electronic device owned or operated by the Insured or any other party. This includes any similar system and any associated input, output or data storage device or system, networking equipment or back up facility
Computer Network
a group of Computer Systems and other electronic devices or network facilities connected via a form of communications technology, including the internet, intranet and virtual private networks (VPN), allowing the networked computing devices to exchange Data
Data
information used, accessed, processed, transmitted or stored by a Computer System
Defined Peril
fire, lightning, explosion, aircraft or other aerial devices or articles dropped therefrom, riot and strike, malicious damage, earthquake, storm, flood, escape of water from any tank apparatus or pipe or impact by any road vehicle or animal where such loss or damage is insured by the Policy
Physical damage to the substance of property
Physical damage to the substance of property shall not include damage to data or software, in particular any detrimental change in data, software or computer programs that is caused by a deletion, a corruption or a deformation of the original structure
Replacement value (MCST Endorsement 4)
the cost of erecting on the same site a whole new building of the same kind or type but not superior to nor more extensive than the subdivided building as it existed immediately prior to any destruction or damage insured by the policy
FLOOD (E8)
the overflowing or deviation from the normal channels of either natural or artificial water courses, bursting or overflowing of public water mains and any other flow or accumulation of water originating from outside the building insured or containing the Property Insured
Riot and Strike damage (E5)
loss of or damage to the Property Insured directly caused by: (i) The act of any person taking part together with others in any disturbance of the public peace (whether in connection with a strike or lock-out or not) not being an occurrence mentioned in Condition 6 of the Special Conditions hereof; (ii) The action of any lawfully constituted authority in suppressing or attempting to suppress any such disturbance or in minimising the consequences of any such disturbance; (iii) The wilful act of any striker or locked-out worker done in furtherance of a strike or in resistance to a lock-out; (iv) The action of any lawfully constituted authority in preventing or attempting to prevent any such act or minimising the consequences of any such act