Allianz Insurance plc. Complete Retailer. Policy Wording RETAILER INSURANCE

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1 Allinz Insurne pl Complete Retiler Poliy Woring 2014 RETAILER INSURANCE

2 Complete Retiler Poliy Woring Contents Insuring Cluse 2 Poliy Definitions 3 Poliy Conitions 4 Poliy Exlusions 10 The Cover Provie Setion 1 Tre Contents 13 Setion 2 Money n Personl Assult 18 Setion 3 Goos in Trnsit 21 Setion 4 Deteriortion of Stok 22 Setion 5 Business Interruption 23 Setion 6 Liilities 27 Setion 7 Builings 33 Setion 8 Loss of Liene 35 Setion 9 Commeril Legl Expenses 38 Aitionl Benefits 54 How to Mke Clim 56 Complints Proeure 58 Dt Protetion 59 Thnk you for hoosing Allinz Insurne pl. We re one of the lrgest generl insurers in the UK n prt of the Allinz Group, one of the worl s foremost finnil servies proviers. With Allinz Insurne pl, you n e onfient tht you re insure y ompny whih is relentless in its ommitment to proteting n serving you. You n trust us to insure your usiness, s we ve een proviing leing insurne solutions in the UK for over 100 yers. We work in prtnership with your insurne viser to ensure you reeive the highest levels of prout n servie exellene. Our tehnil experts unerstn how est to protet you ginst the risks your usiness fes. If you nee to mke lim you will e in sfe hns. Our professionlly trine stff im to tret you, s you woul expet, oth promptly n firly. By listening to you, n unerstning your nees we will provie you with the most pproprite solutions to get your usiness tring gin s quikly s possile. Shoul you nee further etils or hve ny questions your insurne viser will e elighte to help. Importnt This oument provies etils of your poliy n the terms n onitions tht pply. Plese re it refully n keep it in sfe ple.

3 Introution Your Complete Retiler Poliy is me up of severl prts whih must e re together s they form your ontrt of insurne with the Insurer. Plese tke time to re ll prts of the Poliy to mke sure they meet n ontinue to meet your nees n tht you unerstn the terms, exlusions n onitions. If you wish to hnge nything or if there is nything you o not unerstn, plese let your insurne viser know. The prts of the Poliy re: the Sttement of Ft this Introution; the Insuring Cluse; the Poliy Definitions, the Poliy Exlusions n the Poliy Conitions, ll of whih pply to ll Setions of the Poliy the Setions of over provie, inluing the Setion Definitions, Extensions, Conitions n Exlusions the Sheule, whih onfirms the Setions of over tht re insure n whih inlues ny itionl luses pplie to the Poliy Any Setion stte to e Not Insure in the Sheule shll e inopertive. Any wor or expression in the Poliy whih hs speifi mening hs the sme mening wherever it ppers in the Poliy, unless stte otherwise. Chnges to your irumstnes Plese tell your insurne viser s soon s resonly possile if there re ny hnges to your irumstnes whih oul ffet your insurne. Plese refer to Poliy Conition 5 on pge 6 of this Poliy. If your irumstnes hnge n you o not tell your insurne viser, you my fin tht you re not overe if you nee to lim. Finnil Servies Compenstion Sheme Allinz Insurne pl ontriutes to the Finnil Servies Compenstion Sheme (FSCS). You my e entitle to ompenstion from the FSCS if We re unle to meet Our liilities. Further informtion out ompenstion sheme rrngements is ville t y emiling enquiries@fss.org.uk or y phoning the FSCS on or Wht to o if you re not stisfie Allinz lwys ims to provie first-lss servie. However, if you re isstisfie in ny wy n you wish to mke omplint, plese ontt your insurne viser. 1

4 Insuring Cluse The Sttement of Ft together with ny informtion supplie y or on ehlf of the Insure forms the sis of this ontrt of insurne etween the Insure n the Insurer. In onsiertion of pyment of the premium the Insurer will inemnify or otherwise ompenste the Insure ginst loss, estrution, mge, injury, liility or ispute (s esrie in n sujet to the onitions n exlusions of this Poliy or ny Setion of it) ourring or rising in onnetion with the Business uring the Perio of Insurne or ny susequent perio for whih the Insurer grees to ept renewl premium. For Allinz Insurne pl Jonthn Dye Chief Exeutive 2

5 Poliy Definitions The following efinitions pply to this Poliy (unless mene y Setion Definitions) n re enote y pitl first letter throughout this Poliy. Builing/Builings The uilings t the Premises eing, unless more speifilly esrie, uilt minly of rik, stone, onrete or other nonomustile mterils, inluing: lnlor s fixtures n fittings (inluing ommunl television n rio reeiving erils, stellite ishes n relte fittings on or in resientil Premises), fixe glss, fixe snitrywre n wlls, gtes n fenes in, on or pertining to the uilings telephone, gs, wter n eletri instruments, meters, piping, ling n the like n their essories in, on or pertining to the uilings inluing suh property in joining yrs or rowys or unergroun t the Premises n extening to the puli mins fuel tnks n their nillry equipment, pipework n the like t the Premises smll outsie uilings, nnexes, gngwys, onvenienes n other smll strutures t the Premises ros, r prks, yrs, pve res, hr-surfe res, pvements n footpths t the Premises Property/Property Insure Builings, ontents, stok n other items shown n/or esrie in the Sheule Sheule The prt of this Poliy tht etils informtion forming the sis of this ontrt n tht shows the Setions of this Poliy selete Setion/Setions The prts of this Poliy tht etil the insurne over provie for eh iniviul setion of this Poliy Sum Insure The mximum mount the Insurer will py for eh item insure uner ny Setion Totl Sum Insure The totl mount pyle y the Insurer uner ny Setion Unoupie Any Builing or prt of ny Builing whih is empty or not in use y the Insure or ny tennt of the Insure for more thn thirty onseutive ys. Business The usiness esription stte in the Sheule. Dmge/Dmge Loss or estrution of or mge Insure The insure nme n shown in the Sheule Insurer Allinz Insurne pl Perio of Insurne The perio from the Effetive Dte to the Renewl Dte s shown in the Sheule Poliy The oument esrie in the Introution Premises Aress s stte in the Sheule 3

6 Poliy Conitions Applile unless stte to the ontrry uner the Conitions in the Setions. 1 Premium The premium is to e pi on request. 2 Preutions The Insure shll keep the Property Insure seure n in goo stte of repir, tke ll resonle preutions to prevent ients, injury, or Dmge, n tke ll resonle steps to oserve n omply with ll sttutory or Lol Authority Lws, oligtions n requirements. 3 Minimum Level of Seurity This insurne hs een grnte sujet to Seurity Level 1 or Seurity Level 2 s etile in the Poliy Sheule. Seurity Level 1 The over provie is sujet to the following minimum stnrs of seurity. It is onition preeent to liility tht the following requirements re met within 30 ys of the ineption or menment of the Poliy. Any lterntive methos of seuring the Premises must e gree in writing y Allinz. The Insure must ensure tht these mesures re in ple, in opertion n in full working orer whenever the Premises re lose for usiness or left unttene. Doors Depening on whih of the following oor types re present, the following requirements pply to ll externl oors or internl oors whih le to nother prt of the Builing whih the Insure o not oupy; UPVC, or luminium or plsti frme glze oors multi-point lok whih, where instlle fter 30/06/2011, onforms to PAS 3621 (inluing menments) or yliner operte mortise elok. For oule oors, the first losing setion must hve integrl or surfe mounte olts whih shoot into the frme t the top n the floor t the ottom of the oor. The finl losing setion must hve yliner operte mortise elok. Armoure plte glss oors oor mnufturer s integrl loks. e f g h i Other single lef oors provie the oor thikness is minimum of 44 mm mortise elok to BS 3621 (inluing menments) n oxe steel striking plte t lest 175 mm long shoul e fitte. If the oor thikness is less thn 44 mm seure with eloking rim lok to BS 3621 (inluing menments). The Insure must put either of these into the elok position when the Premises re lose for usiness or unttene. Doule-lef oors seure the finl losing setion with lok s expline in ove n seure the first losing setion with olts t lest 175 mm long n hving minimum throw of 20 mm, whih shoot into the frme t the top n the floor t the ottom of the oor. Or, fit one setion with olts t the top n ottom(s expline ove) n oth prts of the oor with plok n loking r. If the loking r is on the outsie of the oor, it must e use with plok onforming to BS EN Seurity Gre 5 (inluing menments). If the loking r is internl, it must e use with plok onforming to BS EN Seurity Gre 4 (inluing menments). The plok r must e of similr strength to the plok n esigne to e use speifilly with the plok, in oth ses the plok r must e seure to the oor with oh olts. Fire exit oors the relevnt enforing uthority must pprove ny loks on these oors. Allinz must pprove ny loks or other metho of seurity the Insure grees following isussion with the enforing uthority. Foling oors seure lternte foling setions with olts t top n ottom, s esrie in ove. Depenent upon its onstrution, the lst setion must e seure with lok s expline in ove or with oh olte loking r n plok s expline in ove. Sliing oors oh-olte loking r n plok seure s esrie in ove, or elok with hook olt whih onforms to BS 3621 (inluing menments). Wiket Gtes epenent upon its onstrution (see ove) mortise elok or eloking yliner rim-lth to BS 3621 (inluing menments) or loking r n plok s in ove. Roller Shutters for eletrilly operte roller shutters, Allinz requires the fitting of key operte isoltion swith to the eletriity supply to the ontrols. If this is not fitte then one of the mesures for mnully operte roller shutters shown elow must e instlle. 4

7 Where the operting ontrols for eletrilly operte roller shutters re externl to the Premises, these re to e seure within wele steel housing of t lest 3 mm thikness with oor or overplte seure with plok onforming to BS EN CEN Seurity Gre 4 (inluing menments). The housing is to e so seure when the Premises re lose for usiness or unttene. Allinz requires one of the following for mnully operte roller shutters: key operte pinson or ullet loks into eh guie ril fitte s lose to the ottom of the oor s possile seure the hin of the oor to the wll rket y n open shkle plok onforming to BS EN Seurity Gre 4 (inluing menments) A olt fitte to the shutter oor internlly with the olt engging into the oor runner n ploke into position using plok onforming to BS EN Seurity Gre 4 (inluing menments). Winows All opening winows in externl wlls t groun floor n sement levels n ny winows, fnlights n skylights in essile positions i.e. from flt roof or fire espe on upper levels to hve key operte winow loks. Louvre winows to e reple with either fixe glss, or norml opening winow whih n e seure with winow lok use with key. Keys All keys must e remove from loks n kept in seure ple or remove from the Premises. Keys to sfes must e remove from the Premises, or if the Insure lives on the Premises, they must e remove to seure ple in the resientil prt of the Premises. Computer equipment Unless gree otherwise in writing Allinz will require the Insure to fit ensement or entrpment equipment to omputers with n iniviul vlue of 5,000 n ove. Seurity Level 2 As Seurity Level 1 exept: Winows All winows in externl wlls t groun floor n sement levels n ny winows, fnlights n skylights in essile positions i.e. from flt roof or fire espe on upper levels to hve: Either Seurity r frmes me from soli steel rs (not tues). The rs must e t lest 19 mm in imeter n not more thn 125 mm prt etween entres. The rs must pss through (or e wele to) tie rs of flt steel every 600 mm. The tie rs must e t lest 6 mm thik n 40 mm wie. The tie rs must e seure to the wll or roof surrouning the winow fnlight or skylight t minimum of 4 points y expnsion olts (suh s Rwlolts ) of t lest M8 size whih penetrte the msonry or rikwork y t lest 60 mm n set k t lest 50 mm from the internl or externl fe of the wll. If the rs re fixe externlly the hes of the olts must e wele to the tie rs to prevent them eing unone. Or Fixe or ollpsile seurity grilles pprove to LPS 1175 Speifition for testing n lssifying the urglry resistne of uiling omponents, strong points n seurity enlosures (inluing menments). Or Roller shutters onforming to LPS 1175 (inluing menments). The Insure must ontt Allinz if the r frmes, grilles or roller shutters re not onstrute or instlle s speifie ove. n in ition: Aitionl protetion for timer oors (exept shopfronts) The Insure must fit sheet metl protetion to the following speifition to ll outsie single n oule oors (exept shop front oors): Sheet steel, not less thn 16 guge (1.6 mm thik), must e fitte to the outsie of the oor. If the oor opens outwrs the steel sheet must overlp the gp etween the lok sie of the oor n the oor frme. The sheet steel must e seure to the oor with luth he or non return srews of minimum length of 25 mm n not more thn 100 mm prt. Alterntively, fix the steel sheet to the oor with oh olts not more thn 100 mm prt. The hes of the olts must e on the outsie of the oor. If the oor opens outwrs, two hinge olts to the hinge sie of the oor pproximtely 375 mm from the top n ottom must e fitte. 5

8 Poliy Conitions (ontinue) In view of the inrese weight, it my e neessry to fit n itionl hinge to the entre of the oor. Shopfront oors n winows Unless gree otherwise in writing Allinz will require the Insure to fit roller shutters onforming to LPS 1175 (inluing menments) 4 Intruer lrm It is onition preeent to liility tht where the Premises or prt of the Premises re protete y n Intruer Alrm Instlltion s speifie y the Seurity Level etile in the Poliy Sheule: ii where the polie hve withrwn their response to 1 n lrm tivtion (where the Intruer Alrm Instlltion oes not inlue onfirme lrm tivtion tehnology) n 2 onfirme lrm tivtion where the Intruer Alrm Instlltion inlues onfirme lrm tivtion tehnology. For the purposes of this onition the following efinitions pply: Intruer Alrm Instlltion shll inlue ll the omponent prts etile in the lrm speifition, n inlue the evies use to trnsmit or reeive signls. e suh Intruer Alrm Instlltion i must not e ltere or mene in ny wy unless suh menment or ltertion hs een pprove in writing y Allinz ii must e mintine uner ontrt with the instllers or s otherwise pprove in writing y Allinz ll keys to the Intruer Alrm Instlltion must e remove from the Premises when the Premises re unttene the Insure must i mintin the serey of oes for the opertion of the Intruer Alrm Instlltion n no etils of suh oes shll e left on the Premises when the Premises re unttene ii where remote signlling lrm is require, immeitely notify Allinz upon reeipt of ny ommunition giving notie tht the level of response to the Intruer Alrm Instlltion hs een or will e reue iii ppoint t lest two (2) keyholers n where remote signlling lrm is require, loge written etils (whih must e kept up to te) with the lrm ompny n the lrm reeiving entre in the event of notifition of i ny lrm fult ii tivtion of the Intruer Alrm Instlltion iii interruption of the mens to trnsmit or reeive signls to or from the Intruer Alrm Instlltion uring ny perio tht the Intruer Alrm Instlltion is set keyholer must tten the Premises s soon s possile the Premises must not e left without t lest one Responsile Person in ttenne without the greement of Allinz i unless the Intruer Alrm Instlltion is set in its entirety n with the mens to trnsmit or reeive signls (inluing the signlling pth or pths) in full n effetive opertion Keyholer shll men the Insure or ny person or keyholing ompny uthorise y the Insure who 1 is ville t ll times to i ept notifition of fults or lrm signls relting to the Intruer Alrm Instlltion ii tten n llow ess to the Premises 2 hs een fully trine in the opertion of the Intruer Alrm Instlltion inluing ut not limite to the setting/unsetting of the instlltion. Responsile Person shll men person uthorise y the Insure to e responsile for the seurity of the Premises 5 Chnge of Risk This insurne shll ese to e in fore if there is ny ltertion in the Business or t the Premises whih inreses the risk of injury or Dmge, unless suh ltertion is gree in writing y Allinz. 6 Clims Ation y the Insure The Insure shll in the event of ny injury, Dmge or onsequentil loss s result of whih lim is or my e me uner this Poliy or ny Setion of it, n gin upon reeipt y the Insure in writing of ny notie of ny lim or legl proeeing, notify Allinz within thirty (30) ys, or within seven (7) ys in the se of Dmge or onsequentil loss y riot, ivil ommotion, strikers, loke-out workers, persons tking prt in lour isturnes, mliious persons or theft, or suh further time s Allinz my llow notify Allinz immeitely upon eing vise of ny proseution, inquest or enquiry onnete with ny injury, Dmge or onsequentil loss whih my form the sujet of lim uner this Poliy notify the polie s soon s it eomes evient tht ny Dmge hs een use y theft or mliious persons 6

9 e f g h i j pss immeitely, n unknowlege, ny letter of lim to Allinz rry out n permit to e tken ny tion whih my e resonly prtile to prevent further Dmge or onsequentil loss retin unltere n unrepire nything in ny wy onnete with the injury, Dmge or onsequentil loss for s long s the Insurer my resonly require furnish with ll resonle espth t the Insure s expense i suh further prtiulrs n informtion s Allinz my resonly require ii if require, sttutory elrtion of the truth of the lim iii etils of ny other insurnes overing the sujet mtter of the lim uner this Poliy n ny mtters onnete with it mke ville t the Insure s expense ny ouments require y Allinz with regr to ny letter of lim not py or offer or gree to py ny money or mke ny mission of liility without the previous onsent of Allinz llow Allinz in the nme of n on ehlf of the Insure to tke over n, uring suh perios s Allinz thinks proper, to hve the solute onut n ontrol of ll negotitions n proeeings whih my rise in respet of ny lim n the settlement thereof n o-operte fully with Allinz for tht purpose. No lim uner this Poliy shll e pyle unless the terms of this Poliy Conition hve een omplie with n ny pyment on ount of lim lrey me shll e repi to the Insurer. 7 Clims The Rights of Allinz In respet of Dmge for whih lim is me, Allinz n ny person uthorise y Allinz my without inurring ny liility or iminishing ny of Allinz s rights in respet of the over uner this Poliy, enter premises where suh Dmge hs ourre, n tke possession of or require to e elivere to Allinz ny Property Insure, n to el with suh Property for ll resonle purposes n in ny resonle mnner. If Allinz reinstte or reple ny Property Allinz shll not e oun to o so extly ut only s irumstnes permit n in resonly suffiient mnner n will not expen more thn the Sum Insure on tht Property. No Property my e none to Allinz, whether tken possession of y Allinz or not. Allinz will not py for ny lim unless the terms of this Poliy Conition hve een omplie with. 8 Other Insurnes If t the time of ny Dmge there is ny other insurne overing suh inients, Allinz will only py their rtele proportion of suh loss. 9 Cnelltion Insure s Cnelltion Rights The Insure hs the right to nel the over within fourteen (14) ys from the ommenement of over or the reeipt of Poliy oumenttion, whihever is the lter (this perio is referre to s the ooling off perio ). The Insure shoul exerise this right y ontting their insurne viser. If the Insure oes exerise their right to nel uring the ooling off perio, they will e entitle to return of premium. Any return of premium will e lulte on proportionte sis, less 25 ministrtion hrge to over opertionl osts. The mount of premium to e refune uner this onition will e reue y ll unpi premiums or unpi premium instlments ue. If the Insure oes not exerise their right to nel uring the ooling off perio, the Poliy premium eomes ue, they my not e entitle to refun of premium n the Poliy my run for its full term. If the ooling off perio hs expire, the Insure my nel the Poliy uring the Perio of Insurne y giving fourteen (14) ys notie in writing to their insurne viser. Provie no lim hs een me or inient hs risen whih is likely to give rise to lim uring the urrent Perio of Insurne they will e entitle to proportionte return of the premium pi, less 25 ministrtion hrge to over opertionl osts. The mount of ny premium to e refune uner this onition will e reue y ll unpi premiums or unpi premium instlments ue. In the event of nelltion the Insure must return to Allinz the urrent Certifite(s) of Employers Liility Insurne. Allinz s Cnelltion Rights Allinz my nel this Poliy y giving the Insure fourteen (14) ys notie in writing sent to the Insure s lst known ress. Provie no lim hs een me or inient hs risen whih is likely to give rise to lim uring the urrent Perio of Insurne the Insure my e entitle to proportionte return of the premium in respet of the unexpire Perio of Insurne. The mount of premium to e refune uner this onition will e reue y ll unpi premiums or unpi premium instlments ue. 7

10 Poliy Conitions (ontinue) If the premium for the Poliy is pi y instlments, plese refer to the instlment greement for etils of the nelltion perio tht will pply. In the event of nelltion the Insure must return to Allinz the urrent Certifite(s) of Employers Liility Insurne. 10 Fru If the Insure or nyone ting on ehlf of the Insure mkes ny flse or fruulent lim or supports lim y flse or fruulent oument, evie or sttement, this Poliy shll e voi n the Insure will forfeit ll rights uner the Poliy. In suh irumstnes, Allinz retins the right to keep the premium n to reover ny sums pi y wy of enefit uner the Poliy. 11 Aritrtion If Allinz epts tht there is lim uner this Poliy ut there is isgreement in respet of the mount to e pi, the isgreement will e referre to n ritrtor ppointe in orne with urrent sttutory provisions. In these irumstnes n ritrtor s wr must e me efore there is ny right of tion ginst Allinz. 12 The Sttement of Ft or Proposl Form The Sttement of Ft or Proposl Form for this insurne Poliy, me y the Insure, is inorporte herein. 13 Automti Reinsttement The Sums Insure y Setions 1, 3 n 7 of this Poliy will not e utomtilly reue s result of lim provie tht: the ggregte of the mounts so reinstte uring ny one Perio of Insurne shll not exee the mount of the Sum Insure the Insure shll i tke immeite steps to effet suh itions to or vritions in protetions s Allinz my require ii py the pproprite itionl premium. 14 Averge If, t the time of Dmge to the Property Insure in respet of ny Item uner: Setion 1 Tre Contents n/or Setion 7 Builings the Sum Insure y tht Item is less thn the full vlue of the property to whih it pplies, the Insure will e onsiere to e their own insurer for the ifferene n will e expete to er rtele shre of the loss oringly. 15 Poliy Voile This Poliy shll e voile in the event of misrepresenttion, misesription or non-islosure of ny mteril prtiulr. 16 Lw Applile n Jurisition Unless gree otherwise y the Insurer: the lnguge of the Poliy n ll ommunitions relting to it will e English; n, ll spets of the Poliy inluing negotition n performne re sujet to English lw n the eisions of English ourts. 17 Smoking Conition It is onition preeent to liility tht the Insure will enfore no smoking poliy t the Premises whih omplies with urrent legisltion only llow smoking in lerly mrke, speifilly esignte smoking res, whih omply with urrent legisltion in ll esignte smoking res provie metl reeptles with metl lis for the sfe isposl of wste smoking mterils ensure tht wste smoking mterils, when eing remove from the esignte smoking res, re kept seprte from other omustile wste mteril n re store in metl reeptles with metl lis whilst witing finl removl from the Premises. 18 Survey n Risk Improvement Conition If this Poliy hs een issue or renewe sujet to the Insurer ompleting survey or surveys of the Premises or of ny other lotion(s) s speifie y the Insurer, then pening ompletion of suh survey(s) Cover is provie y the Insurer on the terms, onitions, provisions, exlusions n limits s speifie in the Poliy n in the Setions of the Poliy. In the event tht survey shoul show tht risk or ny prt of it is not stisftory in the opinion of the Insurer, then the Insurer reserves the right to either to lter the premium or terms n onitions of the Cover, suspen or nel Cover i from the te Cover ws inepte or renewe, or ii ny other perio speifie y the Insurer It is onition preeent to the liility of the Insurer tht the Insure must omply with ll survey risk improvements require y the Insurer within ompletion time sles speifie y the Insurer. 8

11 In the event tht risk improvement is not omplete or risk improvement proeures re not introue within the ompletion time sles speifie y the Insurer, then the Insurer reserves the right to either 1 ontinue Cover sujet to ltertion of the terms n onitions of suh Cover, or 2 suspen or nel Cover effetive from the te Cover ws inepte or renewe, or from the expiry of ny time perio speifie y the Insurer for ompletion/introution of the require survey risk improvements, or for ny other perio speifie y the Insurer ii iii iv wter supply n heting system where sprinkler system is in opertion the Builings re inspete thoroughly internlly n externlly t lest weekly y the Insure or responsile person ppointe y the Insure n reor is mintine of suh inspetions ny internl or externl umultions of wste, unfixe omustile mterils n gs ottles e remove uring suh inspetions the Builings re seure ginst unlwful entry y losing ll oors n winows n setting ll seurity loking mehnisms, setting ny lrm system n setting ny other protetive evie in opertion. If the terms or onitions of Cover re mene y the Insurer, then the Insure will hve fourteen (14) ys to ept or rejet the revise sis of Cover. If the Insure elet to rejet the revise sis of Cover, then the Insure my e entitle to refun of premium (sujet to n ministrtion hrge) provie tht no lim hs een me uring the urrent Perio of Insurne. If the Insurer exerises the right to suspen or nel Cover, then the Insure my e entitle to refun of premium in respet of suh perio tht Cover is suspene or for ny perio eyon the effetive te from whih Cover is nelle, provie tht no lim hs een me uring the urrent Perio of Insurne. Exept in so fr s they re expressly vrie y this onition, ll of the terms, onitions, provisions, exlusions n limits of the Poliy n of the Setions of the Poliy shll ontinue to pply until the Insurer vises otherwise. To the extent tht this onition onflits with ny other nelltion onition, this onition shll previl. 20 Dishrge of Liility The Insurer my t ny time py to the Insure in onnetion with ny lim or series of lims the Limit of Inemnity, or the Sum Insure, or lesser mount for whih suh lim or lims n e settle fter eution of ny sums lrey pi n less the mount of ny exess. The Insurer will not mke ny further pyment in respet of suh lim or lims exept for osts n expenses whih the Insurer hs lrey gree to er n whih were inurre prior to suh pyment. 21 Rights of Thir Prties A person or ompny who ws not prty to this Poliy hs no right uner the Contrts (Rights of Thir Prties) At 1999 or ny susequent legisltion to enfore ny term of this Poliy ut this oes not ffet ny right or remey of thir prty whih exists or is ville prt from suh At. 19 Unoupie Builings It is onition preeent to liility tht when ny Builing or portion thereof eomes Unoupie A B the Insure must give immeite notie of suh unoupny to the Insurer n lso when suh Unoupie Builings or portion thereof re gin oupie the following tion must e implemente y the Insure i the min servies re turne off n the wter system is rine whenever the Builings involve or si portion thereof re vte, exept eletriity when neee to mintin ny fire or intruer lrm system in opertion, or, 9

12 Poliy Exlusions Applile unless stte to the ontrry uner Exlusions in the Setions This Poliy oes not over 1 Geogrphil Limits Dmge, injury or liility rising out of ny ourrene outsie Gret Britin, Northern Ireln, the Chnnel Islns or the Isle of Mn, exept where stte to the ontrry. 2 Wr (not pplile to the Employers Liility Setion) Loss, estrution, mge, eth, injury, islement or liility or ny onsequentil loss osione y wr, invsion, t of foreign enemy, hostilities (whether wr e elre or not), ivil wr, reellion, revolution, insurretion or militry or usurpe power. 3 Riotive Contmintion Loss or estrution of or mge to ny property whtsoever or ny loss or expense whtsoever resulting or rising therefrom or ny onsequentil loss or ny legl liility of whtsoever nture iretly or iniretly use y or ontriute to y or rising from ionising ritions from or ontmintion y riotivity from ny nuler fuel or from ny nuler wste or from the omustion of nuler fuel the riotive, toxi, explosive or other hzrous or ontminting properties of ny nuler instlltion, retor or other nuler ssemly or nuler omponent thereof ny wepon or other evie utilizing riotive mteril n/or mtter n/or ionising rition n/or tomi or nuler fission n/or fusion or other like retion the riotive, toxi, explosive or other hzrous or ontminting properties of ny riotive mtter. Exlusions n o not pply to Setion 6 Liilities, Event 1 Employers Liility other thn in respet of i the liility of ny prinipl ii liility ssume y the Insure uner ontrt or greement whih woul not hve tthe in the sene of suh ontrt or greement. Exlusions n o not pply to Setion 6 Liilities, Event 1 Employers Liility n Setion 6 Liilities, Event 2 Puli n Prouts Liility. 4 Soni Bngs Dmge iretly osione y pressure wves use y irrft n other eril evies trvelling t soni or supersoni spees. 5 Northern Ireln Dmge n ny onsequentil loss in Northern Ireln osione y or hppening through or in onsequene iretly or iniretly of riot, ivil ommotion n (exept in respet of Dmge or ny onsequentil loss y fire or explosion) strikers, loke-out workers, persons tking prt in lour isturnes or mliious persons. 6 Pollution or Contmintion Loss, estrution or mge use y or resulting from pollution or ontmintion exept suh loss or estrution of or mge to the property insure or, if pplile, loss resulting from loss or estrution of or mge to property use y the Insure t the Premises stte in the Sheule for the purpose of the Business use y pollution or ontmintion whih itself results from fire, lightning, explosion, irrft or other eril evies or rtiles roppe therefrom, riot, ivil ommotion, strikers, loke-out workers, persons tking prt in lour isturnes, mliious persons other thn thieves, erthquke, storm, floo, ursting, overflowing, ishrging or leking of wter tnks, pprtus or pipes, sprinkler lekge or impt y ny ro vehile or niml, lwys provie tht suh peril is insure y this Poliy ny of the perils liste in ove whih itself results from pollution or ontmintion. 7 Chnges in Wter Tle Level Dmge ttriutle solely to hnges in the wter tle level. 8 E-Risks Loss or estrution of or mge to ny Computer Equipment (s efine elow) onsisting of or use iretly or iniretly y: i progrmming or opertor error whether y the Insure or ny other person ii Virus or Similr Mehnism (s efine elow) iii Hking (s efine elow) iv mliious persons v filure of externl networks unless, in respet of i, ii n iii ove, suh Dmge results from onurrent or susequent use not exlue y this or ny other poliy exlusion ny finnil loss or expense of whtsoever nture, inluing ut not limite to usiness interruption, resulting iretly or iniretly from the type of loss estrution or mge esrie in prgrph of this Exlusion unless, in respet of i, ii or iii ove, the finnil loss or expense results from 10

13 e onurrent or susequent use not exlue y this or ny other poliy exlusion Loss or estrution of or mge to ny property other thn Computer Equipment where it rises iretly or iniretly out of loss or estrution of or mge to ny Computer Equipment of the type esrie in prgrph of this Exlusion unless, in respet of loss or mge to other property rising from i, ii or iii ove, resulting from onurrent or susequent use not exlue y this or ny other poliy exlusion Loss or estrution of or mge either to Computer Equipment or ny other property where it onsists of or rises iretly or iniretly out of: i the ersure, loss, istortion, orruption or unuthorise ess to or moifition of informtion on omputer systems or other reors, progrms or softwre y rioters, strikers, loke-out workers, persons tking prt in lour isturnes or ivil ommotions, or mliious persons ii the ersure, loss, istortion, orruption or unuthorise ess to or moifition of informtion on omputer systems or other reors, progrms or softwre ue to ny use not inlue in i ove iii ny misinterprettion, use or misuse of informtion on omputer systems or other reors, progrms or softwre unless, in respet of ii n iii ove, suh loss, estrution or mge results from onurrent or susequent use not exlue y this or ny other poliy exlusion ny finnil loss or expense of whtsoever nture, inluing ut not limite to usiness interruption, where it rises iretly or iniretly from the type of loss, estrution or mge esrie in prgrphs n of this Exlusion unless, in respet of, ii n iii ove, the finnil loss or expense results from onurrent or susequent use not exlue y this or ny other poliy exlusion. onstrute with the ility to mge, interfere with or otherwise versely ffet omputer progrms, t files or opertions (whether involving self replition or not), inluing ut not limite to Trojn Horses, Worms or Logi Boms. Hking mens unuthorise ess to ny omputer or omputer equipment, omponent, system or item, whether the property of the Insure or not, whih proesses, stores, trnsmits or retrieves t. 9 Computer Dte Exlusion Dmge or liility iretly or iniretly use y or onsisting of or rising from the filure of ny omputer or other equipment or system for proessing, storing or retrieving t, whether the property of the Insure or not, to hieve ny or ll of the purposes n onsequentil effets intene y the use of ny numer to enote te inluing the filure orretly to reognise ny te s its true lenr te to reognise, pture, sve, retin, restore n/or orretly to mnipulte, interpret, lulte or proess ny t or informtion or ommn or instrution s result of treting ny te otherwise thn s its true lenr te to reognise, pture, sve, retin, restore n/or orretly to mnipulte, interpret, lulte or proess ny t or informtion s result of the opertion of ny ommn whih hs een progrmme into ny omputer softwre or firmwre, eing ommn whih uses the loss of t or the inility to reognise, pture, sve, retin, restore or orretly to mnipulte, interpret, lulte or proess ny t on or fter ny te. ut in respet of Setion 1 Tre Contents n Setion 7 Builings only the insurne shll not exlue ny susequent Dmge whih is not otherwise exlue n whih itself results from Events 1 to 8 of Setion 1 Tre Contents or Events 1 to 8 of Setion 7 Builings For the purpose of this Exlusion: Computer Equipment mens omputer equipment, omponent, system or item whih proesses, stores, trnsmits or retrieves t, or ny prt thereof, whether the property of the Insure or not, whether tngile or intngile n inluing without limittion ny informtion, progrms or softwre. Virus or Similr Mehnism mens ny progrm oe, progrmming instrution or other set of instrutions intentionlly 10 Terrorism in respet of Engln, Wles n Sotln ut not the territoril ses jent thereto s efine in the Territoril Se At 1987: Loss, estrution or mge or onsequentil loss of whtsoever nture, iretly or iniretly use y, resulting from or in onnetion with i ny At of Terrorism, regrless of ny other use or event ontriuting onurrently or in ny other sequene to suh At of Terrorism 11

14 Poliy Exlusions (ontinue) ii ny tion tken in ontrolling, preventing or suppressing ny At of Terrorism, or in ny other wy relte to suh At of Terrorism In respet of ove n At of Terrorism (Terrorism) mens: Ats of persons ting on ehlf of, or in onnetion with, ny orgnistion whih rries out tivities irete towrs the overthrowing or influening, y fore or violene, of Her Mjesty s government in the Unite Kingom or ny other government e jure or e fto. in respet of territories other thn those stte in ove Loss, estrution or mge or ny onsequentil loss of whtsoever nture, iretly or iniretly use y, resulting from or in onnetion with i ny t of Terrorism, regrless of ny other use or event ontriuting onurrently or in ny other sequene to suh t of Terrorism ii ny tion tken in ontrolling, preventing or suppressing ny t of Terrorism, or in ny wy relte to suh t of Terrorism In respet of ove n t of Terrorism (Terrorism) mens: An t, inluing ut not limite to the use of fore or violene n/or the thret thereof, of ny person or group(s) of persons whether ting lone or on ehlf of or in onnetion with ny orgnistion(s) or government(s), ommitte for politil, religious, ieologil or similr purposes inluing the intention to influene ny government n/or put the puli or ny setion of the puli in fer. In ny tion suit or other proeeings where Allinz lleges tht y reson of this exlusion ny loss, estrution or mge or ny onsequentil loss is not overe (or is overe only up to speifie limit of liility), the uren of proving to the ontrry shll e upon the Insure. In the event ny prt of this exlusion is foun to e invli or unenforele, the reminer shll remin in fore n effet. 12

15 Setion 1 Tre Contents Definitions All Risks Cover All the Events n Extensions insure y this Setion. Glss Plin plte, plin sheet, lminte glss n polyronte sheeting fixe in winows, oors, fnlights n rooflights, neon/illuminte signs n glss fixe in wll mirrors, shelves, showses n ounterses, inluing lettering fixe to suh glss. Premises The Builing n ny ethe outuiling situte t the ress or resses of the Insure stte in the Sheule uilt of rik, stone or onrete n roofe with slte, tile, metl, onrete or felt on timer, ut exluing ny gren, yr or open spe n oupie solely y the Insure in onnetion with the Business n otherwise s Offies n Privte Dwelling Rooms. Property Insure All tre ontents elonging to the Insure or for whih they re responsile in the Premises inluing lnlor s fixtures n fittings n interior eortions for whih they re responsile. Snitrywre Bths, sinks, lvtory owls n isterns, wshsins n peestls, shower trys n iets forming permnent fixtures. Sum Insure Allinz s liility uner eh Item of this Setion is limite to the respetive Sums Insure shown in the Sheule. During the months of Novemer n Deemer n for perio of 31 ys efore Ester Dy eh yer the Sums Insure y Items 1-5 re inrese y 35%. Inex Linking i The Sums Insure will e juste eh month y the perentge hnge in the Consumer Prie Inex (or some other suitle Inex eie y Allinz) ii Aitionl premium will not e hrge on suh justments uring the Perio of Insurne. The renewl premium will e lulte on the juste sum insure pplying on the lst y of the month three months efore renewl month iii In the event of insure Dmge the monthly Inex Linking justments will ontinue uring the perio etween the te of Dmge n the ompletion of repir or replement, provie tht the Insure tkes ll resonle steps to hve the repir or replement rrie out without ely. The perio of Inex Linking justments fter Dmge is limite to one yer. Cover Allinz will inemnify the Insure in respet of Dmge to the Property Insure use y ny of the Events shown ourring uring the Perio of Insurne. Provie Dmge Property is repire or reple, the mount pyle, other thn in respet of stok n mterils in tre n goos in trust, shll e the ost of repir or replement, no eution eing me for wer n ter or epreition exept in respet of rtiles of wering pprel, towels, linen n similr items whih re regulrly lunere, sujet to the terms of this Setion n the Poliy Exlusions n Poliy Conitions. Brekge or Dmge ourring uring the Perio of Insurne of or to Glss or Snitrywre in the Builings n outuilings situte t the Premises. Provie Property Insure is repire or reple, the mount pyle in the event of rekge or Dmge shll e the ost of repir or replement of the property without eution for wer or ter ut exluing the first 250 of eh lim, sujet to the terms of this Setion n the Poliy Exlusions n Poliy Conitions, The most Allinz will py for ny one lim is the Totl Sum Insure or for eh item its iniviul Sum Insure, or ny other limit of liility in this Setion whihever is the less t the time of Dmge Events 1 Fire, Lightning, Explosion, Erthquke, Suterrnen Fire exluing Dmge use y or onsisting of the ursting of stem pressure of oiler (not eing oiler use for omesti purposes only), eonomiser or other vessel, mhine or pprtus elonging to the Insure or uner the ontrol of the Insure, in whih internl pressure is ue to stem only in respet of n originting in ny vessel, mhinery or pprtus or its ontents, elonging to the Insure or uner the ontrol of the Insure, whih requires to e exmine to omply with ny sttutory regultions, unless there is in fore poliy of insurne or other ontrt proviing the require inspetion servie use y its own spontneous fermenttion or heting, or its unergoing ny heting proess or ny proess involving the pplition of het 13

16 Setion 1 Tre Contents (ontinue) 2 Airrft n other eril evies or rtiles roppe from them. 3 Impt y ny vehile or niml exluing the first 250 of eh lim in respet of eh seprte Premises when the vehile or niml is uner the Insure s ontrol or the ontrol of their employees flling trees or rnhes other thn if use y felling or lopping y the Insure or on their ehlf. 4 Riot, Civil Commotion, Strikers, Loke Out Workers or Persons tking prt in Lour Disturnes or Mliious Persons exluing Dmge osione y ntionlistion, onfistion, requisition, seizure or estrution y the Government or ny puli uthority the first 250 of eh lim in respet of Dmge t eh seprte Premises (other thn y fire or explosion) iretly use y mliious persons not ting on ehlf of nor in onnetion with ny politil orgnistion Dmge in respet of ny Builing whih is Unoupie Dmge y theft or ttempte theft. 5 Storm, Tempest or Floo exluing the first 250 of eh lim in respet of eh seprte Premises Dmge y frost, susiene, groun heve or lnslip Dmge to fenes n gtes n movele property in the open Dmge in respet of ny Builing whih is Unoupie. 6 Bursting or Overflowing of Wter Tnks, Apprtus or Pipes exluing the first 250 of eh lim in respet of eh seprte Premises Dmge in respet of ny Builing whih is Unoupie. 7 Bursting, Leking, Dishrging or Overflowing of Fixe Oil Tnks, Apprtus or Pipes exluing efetive vporiztion, smoke n smuge Dmge in respet of ny Builing whih is Unoupie. 8 Brekge or Collpse of Television n Rio Reeiving Aerils, Aeril Fittings n Msts. 9 Theft or Attempte Theft following upon or followe y forile n violent entry to or exit from the Premises exluing the first 250 of eh lim in respet of eh seprte Premises Dmge in respet of ny Builing whih is Unoupie. 10 Hol-Up y Violene n/or Threts of Violene to the Insure or their employees. 11 Any Cuse (other thn those inlue, exlue or provie for elsewhere in this Setion or y the Poliy Exlusions or Conitions) exluing in respet of this Event only e the first 250 of eh lim in respet of eh seprte Premises property not within the Premises Dmge whilst the Premises re lent, let or su-let in whole or in prt Dmge use y or rising from i theft or ttempte theft unless following upon or followe y forile n violent entry to or exit from the Premises ii error or omission or shortges revele t stoktking iii frost, lnslip, susiene, groun heve or settlement iv wer n ter, inherent efet v rot, milew, rust, orrosion vi insets, wooworm, vermin vii yeing, lening, repir, renovtion, mrring or srthing viii eletroni, eletril or mehnil rekown, filure or erngement ix fulty mnipultion, esign, pln, speifition or mterils x grul eteriortion, mrket epreition xi overwining n internl mge to loks xii hnges in temperture, mpness, ryness, shrinkge, evportion, loss of weight, ontmintion, hnge in olour, flvour, texture or finish. Dmge in respet of ny Builing whih is Unoupie. 12 Susiene, Groun Heve or Lnslip of ny prt of the site on whih the property stns exluing Dmge in respet of ny Builings, pths, rives n other surfe res, wlls, gtes n fenes Dmge resulting from i the norml settlement or eing own of new strutures ii the settlement or movement of me up groun iii ostl or river erosion iv efetive esign or workmnship or the use of efetive mterils 14

17 e v fire, suterrnen fire, explosion, erthquke or espe of wter from ny tnk pprtus or pipe Dmge whih ommene prior to the ineption of this over Dmge ourring s result of emolition, onstrution, struturl ltertion or repir of ny property or grounworks or exvtion, t the sme premises the first 1,000 of eh n every loss t eh seprte Premises s sertine fter the pplition of ny onition of Averge. Speil Conition Insofr s this insurne reltes to Susiene, Groun Heve or Lnslip this Poliy shll e voie if the risk is inrese y reson of emolition grounworks exvtion or onstrution eing rrie out on the sme or joining site. Note: If ny lim in respet of ny one ourrene involves Dmge y Event 4 n/or Event 9 n/or Event 11, the monetry exlusions shll not exee 250 in the ggregte in respet of eh seprte Premises. Extensions (Sujet to the terms, limits, onitions n exlusions of this Setion n the Poliy) Cover uner this Setion inlues 1 Personl Effets Pel yles n other personl effets the property of the Insure or ny prtner, iretor or employee of the Insure not otherwise insure, up to 100 in respet of ny one pel yle n 1,000 in respet of the other personl effets of ny one person. 2 Property Temporrily Remove Property other thn stok n mterils in tre n goos in trust, provie the sme re not otherwise insure, whilst temporrily remove from the Premises for the purpose of lening, renovtion or repir to ny premises within the Unite Kingom n in trnsit thereto n therefrom for n mount up to 20% of the Sum Insure exluing Dmge y Events 5 n 9 to property in trnsit or y Event Dmge y Theft or Hol-Up The ost of mking goo Dmge to the Premises s result of Events 9 n 10 flling to e orne y the Insure, up to 25, Removl of Deris The ost of removl of eris of the Property Insure Dmge y n insure Event up to 25, Unergroun Servies The ost for whih the Insure re responsile for repiring ientl Dmge to unergroun wter, gs, sewer n rin pipes n unergroun eletriity n telephone les extening from the Premises to the puli supply. 6 Loks n Keys The ost of replement loks or lok mehnisms n keys neessry to mintin the seurity of the Premises following theft of keys y fore or violene up to 2,500 ny one event. 7 Externl Blins, Awnings, Cnopies n Signs Externl lins, wnings, nopies n signs for whih the Insure re responsile up to 1, Boring Up The ost of oring up pening replement of roken or Dmge Glss. 9 Stok Dmge to stok on isply onsequent upon rekge of or Dmge to Glss. 10 Shop Front Dmge to the shop front n fsi. 11 Altertions n Aitions To the extent tht they re not otherwise insure ltertions, itions n improvements (ut not ppreition in vlue in exess of the Sum Insure) to All Other Contents (s shown on the Sheule) ny newly quire All Other Contents (s shown on the Sheule) within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns for no more thn 15% of the totl All Other Contents Sum Insure, or 50,000, whihever is the less, t ny one Premises or t ny one newly quire ress elsewhere thn t the Premises, provie tht the Insure shll give etils of suh ltertions n itions to Allinz within thirty (30) ys of the ommenement te of the Insure s responsiility, effet speifi over retrospetive to suh te n py the pproprite itionl premium. 12 Tre n Aess The osts neessrily n resonly inurre y the Insure in loting the soure of Dmge in onsequene of espe of wter or fuel oil from ny tnk, pprtus or pipe, n in the susequent mking goo of Dmge use s onsequene of loting suh soure, up to n mount of 25,000 ny one Perio of Insurne 15

18 Setion 1 Tre Contents (ontinue) 13 Metere Wter Aitionl metere wter hrges inurre y the Insure up to n mount of 10,000 ny one Perio of Insurne, in onsequene of Dmge, ut Allinz will not py for suh hrges inurre in respet of ny Builing whih is Unoupie. The sis on whih the mount pyle is to e lulte will e the mount of the wter hrges for the perio uring whih Dmge ours, less the hrge pi y the Insure for the orresponing perio in the preeing yer, juste for hnges in the wter suppliers hrges n for vritions ffeting the wter onsumption of the Insure uring the intervening perio. 14 Emergeny Vehiles Costs n expenses neessrily inurre in reinstting or repiring lnspe grens n grouns following Dmge use y the emergeny servies vehiles, equipment or personnel in the ourse of rrying out their uties, up to n mount of 10,000 ny one Perio of Insurne. Exlusions The Poliy Exlusions pply to this Setion n in ition it oes not insure 1 Dmge to ny Property resulting from its unergoing ny heting proess or proess involving the pplition of het resulting from its unergoing ny proess of proution, pking, tretment, testing, ommissioning, servie or repir, ut Allinz will py for suh Dmge use y fire or explosion 2 onsequentil loss of ny kin or esription 3 Dmge to eletril equipment y short iruiting or overrunning not resulting in fire 4 ees, ons, ills of exhnge, promissory notes, seurities for money, oins, stmps or other property efine s Money in Setion 2 5 the vlue of informtion ontine in omputer systems reors, ouments, mnusripts n usiness ooks other thn the first 1,000 6 the ost of reserh involve in tring the informtion reore in omputer systems reors other thn the first 25,000 of suh osts ouments, mnusripts n usiness ooks other thn the first 12,500 of suh osts 7 Dmge ue to theft or ttempte theft y or in ollusion with ny memer of the Insure s fmily, usiness stff or omesti servnts 8 loss ue to ny person otining ny property y eeption 9 Dmge y theft or ttempte theft to tills or sh registers unless they hve een left unloke when the Premises re lose for Business 10 Dmge of or to stok use y teri, isese or infetion or onemntion y the ompetent uthority 11 Glss or Snitrywre roken or Dmge efore the ommenement of the Perio of Insurne until reple y the Insure in respet of neon n illuminte signs, rekge or Dmge i rising from justment, ismntling or eretion of ny prt of the sign or whilst suh sign is remove from its norml working position ii of or to ny prt of the sign y its own ignition, eletril rekown or urn out iii of or to tues unless the glss is frture 12 ny superfiil srthing, hipping or rking 13 winow frmes or other frmework exept s provie in Extension Dmge use y or onsisting of ts of fru or ishonesty y ny prtner iretor or employee of the Insure ut Allinz will py for suh Dmge not otherwise exlue whih itself results from n Event 15 Dmge to vehiles liense for ro use (inluing essories on them), rvns, trilers, rilwy loomotives, rolling stok, wterrft or irrft Property or strutures in ourse of onstrution or eretion n mterils or supplies in onnetion with ll suh Property or strutures ln, pier, jetties, riges, ulverts or exvtions livestok, growing rops or trees 16

19 Conitions The Poliy Conitions pply to this Setion n in ition 1 Height Conition It is onition preeent to liility for Dmge y Events 5, 6 n 7 tht the stok n ny other Property Insure whih is movele in the sement or su-sement of the Premises e kept t lest 10 entimetres ove floor level. 17

20 Setion 2 Money n Personl Assult Definitions Aient Boily injury use y violent externl n visile mens. Business Hours The perio uring whih the Insure or their prtners, iretors or employees re t the Premises for the purpose of the Business. Insure Person The Insure n ny of their prtners, iretors or employees ge etween 16 n 70 yers. Loss of Lim Loss y physil severne or permnent n totl loss of use of n entire hn or rm or n entire foot or leg whih the Insure Person hs survive for t lest one month. Loss of Sight Totl loss of sight of n eye whih hs lste three months of the Insure Person s lifetime n is t the en of tht perio eyon hope of improvement. Cover A Allinz will inemnify the Insure in respet of the Limits of Inemnity stte in the Sheule ginst Dmge to Money ourring uring the Perio of Insurne hel in onnetion with the Business y ny use not exlue herefter nor y the Poliy Exlusions or Conitions of this Poliy. Limits of Inemnity 1 Crosse heques, rosse postl orers, rosse nkers rfts, ntionl insurne stmps ffixe to rs, ntionl svings ertifites, reit sles vouhers or reeipts n VAT purhse invoies 2 Money other thn in 1. ove in trnsit in the personl ustoy of the Insure or their prtners, iretors or uthorise employees or of seurity orgnistion pprove y Allinz or in nk night sfe n until liility is epte y the nk in registere post within the Insure s Premises uring Business Hours Money Csh, nk n urreny notes, heques, postl n money orers, lunheon vouhers, urrent postge stmps, tring stmps, holiy with py stmps, ntionl insurne stmps, ntionl svings stmps, ntionl svings ertifites, nkers rfts, reit sles vouhers or reeipts, VAT purhse invoies, gift tokens n onsumer reemption vouhers elonging to the Insure or for whih they re responsile. Permnent Totl Dislement A islement whih permnently, ompletely n ontinuously prevents the Insure Person from ttening to his usul ouption or ny other ouption for whih he is fitte y knowlege n trining n whih hving lste 104 weeks of the Insure Person s lifetime is t the en of tht perio eyon hope of improvement. Temporry Totl Dislement A islement whih ompletely n ontinuously prevents the Insure Person from ttening to their usul ouption. Temporry Prtil Dislement A islement whih ontinuously prevents the Insure Person from ttening to sustntil prt of their usul ouption. B C e f within the Insure s Premises out of Business Hours not ontine in loke sfe in loke sfe within the Premises or the Insure s privte welling or tht of ny of the Insure s prtners, iretors or employees out of Business Hours in the Insure s personl ustoy or the personl ustoy of ny of the Insure s prtners, iretors or uthorise employees out of Business Hours Allinz will inemnify the Insure ginst Dmge to ny sfe t the Premises or the Insure s privte welling or tht of ny of the Insure s prtners, iretors or employees s iret result of theft or ttempte theft of Money. Allinz will py the sum or sums set out in the Sle of Compenstion if ny Insure Person ting in onnetion with the Business shll 1 sustin n Aient s iret result of theft or ttempte theft. 2 suffer emotionl stress neessitting professionl ounselling. 18