This policy provides cover for insured property against loss , destruction or damage caused by Fire or Lightning, earthquake Riot and strike, malicious damage, bush fire, spontaneous combustion, standard explosion and special perils such as such as hail, snow, wind, hurricane, cyclone, tornado, rain damage as a result of flooding, overflowing of guttering, bursting and overflowing of water tanks, aircraft and aerial devices, subterranean fire, impact by road vehicles or animals e.t.c