Damages and losses resulting from fires may be recoverable depending on what type of insurance you have and the extent of that cover. Home Building Insurance covers destruction or damage to building. Home Contents covers personal belongings and household possessions. Motor Vehicle Insurance that includes Third Party, Fire and Theft policy covering motor vehicles, and in some cases motorbikes, trailers, caravans.

In addition you need insurance covering injury, disability and/or death.  It may be stand-alone insurance through Insurance Company or as part of your remuneration package. Accident or Sickness can be covered under Direct Care Insurance.