Blog Question – Fixtures and Fittings
The following was a question received 18th January 2016.
“A typical business contents policy includes cover for fixtures and fittings, where the insured is a tenant:
a) landlords fixtures and fittings when the tenant is liable under a lease agreement; and b)tenant’s fixtures and fittings installed for his use.
However most policies do not define what is meant by fixtures and fittings. What do you believe fixtures and fittings means in the context of the policy? For example,would fixtures include buildings?
Brett [Surname and email provided]”
I replied with the following:
Thank you for your question Brett.
As the policy does not define what fixtures or fittings mean then their ordinary everyday meaning is what is used. Fixtures are described in the Macquarie Dictionary [3rd edition] as:
“something securely fixed in position; a permanently attached part or appendage of a house, etc.”
Fittings on the other hand are defined as:
“anything provided as equipment, parts, accessories etc.”
Based on this definition I do not believe that buildings themselves would fall under the definition but rather it is items that are fixed or attached to the building. This would include plant machinery such as air conditioners, cupboards, shelves, alarm systems, light fittings, curtains, blinds and the like.
I trust this explains the situation.