Allianz Insurance plc. Motor Trade Select. Policy Wording

Transcription

1 Allinz Insurne pl Motor Trde Selet Poliy Wording

2 Contents Poliy Definitions 2 The Cover Provided Setion 1 Mteril Dmge 4 Setion 2 Motor Vehile Rod Risks 17 Setion 3 Self Drive Vehile Hire 26 Setion 4 MOT Loss of Liene 31 Setion 5 Engineering 33 Setion 6 Puli nd Produts Liility 39 Setion 7 Employers Liility 46 Setion 8 Business Interruption 49 Setion 9 Conversion 54 Setion 10 Fidelity Gurntee 55 Setion 11 Setion 12 Terrorism Mteril Dmge 59 Terrorism Business Interruption 59 Setion 13 Personl Aident 61 Setion 14 Commeril Legl Expenses 66 Setion 15 Diretors & Offiers 78 Generl Exlusions 91 Generl Conditions 95 Complints Proedure 99 For Your Protetion 99 Notifying Clim 100 Additionl Benefits 101 Dt Protetion At 102 Importnt This doument provides detils of Your poliy nd the terms nd onditions tht pply. Plese red it refully nd keep it in sfe ple.

3 Introdution Thnk you for hoosing Allinz Insurne pl. We re one of the lrgest generl insurers in the UK nd prt of the Allinz Group, one of the world s foremost finnil servies providers. With Allinz Insurne pl, You n e onfident tht You re insured y ompny whih is relentless in its ommitment to proteting nd serving You. You n trust Us to insure Your usiness, s We hve een providing leding insurne solutions in the UK for over 100 yers. We work in prtnership with Your insurne dviser to ensure You reeive the highest levels of produt nd servie exellene. Our tehnil experts understnd how est to protet You ginst the risks Your usiness fes. If You need to mke lim You will e in sfe hnds. Our professionlly trined stff im to tret You, s You would expet, oth promptly nd firly. By listening to You, nd understnding Your needs we will provide You with the most pproprite solutions to get Your usiness trding gin s quikly s possile. Should You need further detils or hve ny questions Your insurne dviser will e delighted to help. Your Motor Trde Selet Poliy is mde up of severl prts whih must e red together s they form Your ontrt. Plese tke time to red ll prts of the Poliy to mke sure they meet Your needs nd tht You understnd the terms, exlusions nd onditions. If You wish to hnge nything or if there is nything You do not understnd, plese let Your insurne dviser know. Any word or expression in the Poliy whih hs speifi mening hs the sme mening wherever it ppers in the Poliy, unless stted otherwise. We will indemnify You in ordne with nd sujet to the terms of this Poliy, in onsidertion of the pyment to Us of the premium for the Period of Insurne. We will supply new Poliy doument should You require it t renewl. Allinz Insurne pl ontriutes to the Finnil Servies Compenstion Sheme (FSCS). You my e entitled 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 Signed on ehlf of Allinz Insurne pl Jonthn Dye Chief Exeutive The prts of the Poliy re: this Introdution the Sttement of Ft or Proposl Form the Poliy Definitions; the Generl Exlusions nd Generl Conditions, ll of whih pply to ll Setions of the Poliy the Setions of over seleted y You, inluding the Definitions, Exlusions nd Conditions whih pply to the Setion the Shedule, whih inludes ll Cluses pplied to the Poliy while the Poliy is in fore the Certifite(s) of Motor Insurne issued with Your Poliy. 1

4 Poliy Definitions The following definitions pply to this Poliy (unless mended y Setion Definitions) nd re denoted y pitl first letter throughout this Poliy. Unless the ontrt dmits otherwise or n lterntive mening is speified the defined words nd phrses listed elow hve the sme mening wherever they pper within Your Poliy. 1 Aessories This inludes spre prts, udio equipment, multimedi equipment, ommunition equipment nd stellite nvigtion equipment providing they re permnently fitted to Your Vehile nd Insured Vehile nd hve no independent power soure. 2 Business Hours The period during whih uthorised persons re on The Premises for the purpose of The Business. 3 Certifite of Motor Insurne Evidene of the existene of motor insurne s required y lw. It ontins detils of who my drive the Insured Vehile or Rentl Vehile sujet to ny Cluses speified in the Shedule nd desries the purposes for whih the Insured Vehile or Rentl Vehile my e used. 4 Cluse(s) Sets out ny speil terms pplying to Your Poliy nd re speified on the Poliy Shedule. 5 Employees/Employee Any person under ontrt of servie or pprentieship with You 6 Exesses/Exess The first prt of eh nd every lim for whih You re responsile. 7 Geogrphil Limits Gret Britin, Northern Irelnd, the Chnnel Islnds nd the Isle of Mn. 8 Period of Insurne The period from the Effetive Dte to the Renewl Dte s shown in the Shedule. 9 Privte Cr A Vehile or Insured Vehile whih is pssenger rrying motor vehile with not more thn 8 sets (exluding the driver). 10 Property/Property Insured Buildings, Tennts Improvements, All Other Property, Stok, Vehiles nd other items shown nd/or desried in the Shedule. 11 Shedule The doument tht sets out detils of The Insured nd the Setions of the Poliy whih re opertive inluding The Premises, Property Insured, Sum Insured, Limit of Indemnity nd Cluses pplying to the Poliy. 12 Setion/Setions The prts of this Poliy tht detil the insurne over provided y this Poliy. ny of the following persons whilst working for You in onnetion with The Business i ny lour mster or lour only suontrtor or person supplied y him ii ny self employed person providing lour only iii ny trinee or person undergoing work experiene iv ny voluntry helper v ny person who is orrowed y or hired to You 13 Sum Insured The mximum mount We will py for eh item insured under ny Setion. 2

5 14 Terrorism An t, inluding ut not limited to the use of fore or violene nd/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), ommitted for politil, religious, ideologil or similr purposes inluding the intention to influene ny government nd/or to put the puli or ny setion of the puli in fer. In ny tion, suit or other proeedings where We llege tht y reson of this definition ny loss, destrution or dmge or ny onsequentil loss is not overed (or is overed only up to speified limit of liility), the urden of proving to the ontrry shll e upon You. In the event tht ny prt of the limittion nd/or exlusion of Terrorism eing found to e invlid or unenforle, the reminder shll remin in full fore nd effet. 16 The Premises The Buildings t the ddress or ddresses shown in the Shedule inluding their grounds, ll within the oundries for whih You re responsile nd eing, unless more speifilly desried in the Shedule, oupied y You for the purpose of The Business. 17 Totl Sum Insured The mximum totl mount pyle y Us under ny Setion. 18 We/Us/Our/Ourselves Allinz Insurne pl. 19 You/Your/The Insured/Poliyholder The Insured nmed on the Poliy Shedule nd inludes, in the event of Your deth, ny of Your personl representtives in respet of liility inurred y You. 15 The Business The trde or usiness tivities shown in the Shedule onduted solely from The Premises nd inludes: d e f g the repir, ltertion, serviing, mintenne nd reovery of motor vehiles, the sle or supply of motor vehiles, spre prts, omponents, essories or fuel the pre delivery hek of new vehiles nd the fitting of dditionl essories to suh vehiles the exmintion of motor vehiles in ordne with the Motor Vehiles (Tests) Regultions the provision of ssistne to emergeny servies or Puli Authorities the provision nd mngement of nteen, soil, sports, nursery rèhe or hildre filities where inidentl to The Business nd welfre orgnistions for the enefit of Employees nd Your fire, medil, seurity, first id, sfety nd mulne servies, nd privte work undertken with Your onsent y Employees for ny diretor, prtner or senior offiil of You property owners in respet of premises to whih this Poliy pplies nd premises previously owned nd oupied in onnetion with The Business exhiitions, trde shows nd orporte events. 3

6 Setion 1 Mteril Dmge Definitions The Poliy Definitions of this Poliy pply to this Setion nd in ddition: 1 All Other Property Mhinery plnt nd tools, ll other ontents whilst t The Premises inluding ut not limited to: offie furniture nd equipment deeds, douments, mnusripts nd usiness ooks ut only for the ost of the mterils nd leril lour expended in reproduing suh reords omputer systems reords ut only for the ost of the mterils nd of leril lour nd omputer time expended in reproduing suh reords for n mount not exeeding 10,000 in totl 5 Keyholder/Keyholders You or ny person or keyholding ompny uthorised y You who 6 Money is ville t ll times to i ept notifition of fults or lrm signls relting to the Intruder Alrm Instlltion ii ttend nd llow ess to The Premises nd the uildings hs een fully trined in the opertion of the Intruder Alrm Instlltion, inluding ut not limited to the setting/unsetting of the instlltion. Negotile nd non negotile money elonging to You or for whih You re responsile. 7 Property In Trnsit d e ptterns, models, moulds, plns or designs fuel pumps, underground tnks nd ssoited pipes nd les Stok nd All Other Property whilst wy from The Premises, in trnsit y rod, ril, se, inlnd wterwys or ir trnsport nywhere within the Geogrphil Limits exluding money. f rre ooks or works of rt for n mount not exeeding 1,000 for ny one rtile or 10,000 in totl. 2 Buildings Buildings elonging to You or for whih You re responsile t the lotion shown in the Shedule, unless more speifilly desried, inluding lndlords fixtures nd fittings, fixed glss, outuildings, kiosks, nopies, fixed signs, wind turines, solr pnels (tthed to uildings), wlls, gtes, fenes, rods, r prks, yrds, pved res, pvements nd footpths nd ny mins servies. 3 Dmge Aidentl loss, destrution or dmge, to Property Insured. 4 Intruder Alrm Instlltion All the omponent prts detiled in the lrm speifition nd inludes the devies used to trnsmit nd reeive signls. 8 Responsile Person You or ny dult person uthorised y You to e responsile for the seurity of The Premises nd the uildings. 9 Speified Events Fire, lightning, explosion, irrft or other eril devies or rtiles dropped from them, riot, ivil ommotion, strikers, loked out workers, persons tking prt in lour disturnes, mliious persons other thn thieves, erthquke, storm, flood, espe of wter from ny tnk pprtus or pipe or impt y ny rod vehile or niml. 10 Stok Stok nd mterils in trde nd work in progress other thn Vehiles, inluding spre prts, fuel nd oil stoks. 11 Tennts Improvements Tennts struturl improvements, interior deortions, fixtures, fittings, glss nd sign writing. 12 Unoupied Any uilding or prt of ny uilding tht is unfurnished, untennted, empty or no longer in tive use. 13 Vehile/Vehiles Vehiles, inluding Aessories, plnt nd equipment fixed thereto, trilers nd the ontents of these Vehiles. 4

7 Cover Indemnity We will py You for Dmge to Property Insured t The Premises shown in the Shedule y ny use not exluded ourring during the Period of Insurne, or t Our option reinstte or reple suh Property or ny prt of suh Property. We will lso py for the resonle osts of effeting emergeny repirs to the Property, following Dmge whih is the sujet of indemnity under this Setion. Provided tht Our liility in respet of ny one loss or in the ggregte in ny one Period of Insurne shll not exeed: i ii the Sum Insured shown in the Shedule for eh item or in the whole the Totl Sum Insured y this Setion ny limit of liility shown in the Shedule or this Setion. Property Insured 1 Property s shown in the Shedule elonging to You in Your ustody or ontrol for whih You re responsile under ny lese, hire, rentl or similr ontrtul greement, in onnetion with The Business ut exluding ommeril lods of ustomer s vehiles. 2 Personl property inluded under the Vehiles nd All Other Property items (exluding vehiles nd property fixed thereto) elonging to prtners, diretors nd Employees whilst suh property is on The Premises, or in the ustody or ontrol of suh persons whilst they re working or trvelling in onnetion with The Business, if not more speifilly insured. Professionl Fees The insurne y eh item on Buildings, Tennts Improvements nd All Other Property inludes n mount in respet of rhitets, surveyors nd onsulting engineers fees neessrily nd resonly inurred in the reinsttement or the repir of the Property Insured onsequent upon its Dmge ut not for prepring ny lim, it eing understood tht the mount pyle for suh Dmge nd fees shll not exeed in the ggregte the Sum Insured y eh item. Averge (Underinsurne) Eh Sum Insured, shown in the Shedule, other thn under Rent, Vehiles nd Stok, is seprtely sujet to the following Condition of Averge: whenever Sum Insured is delred to e sujet to Averge, if suh sum shll t the ommenement of ny Dmge e less thn the vlue of the Property overed within suh Sum Insured, the mount pyle y Us in respet of suh Dmge shll e proportiontely redued. Eh Sum Insured under Vehiles nd Stok in the Shedule is seprtely sujet to the following Condition of Averge: whenever Sum Insured is delred to e sujet to Averge, then, if suh sum shll t the ommenement of ny Dmge e less thn 85% of the vlue of the Property overed within suh Sum Insured, the mount pyle y Us shll not exeed tht proportion of the mount of the Dmge whih the sid Sum Insured shll er to the full vlue of the Property Insured. Reinsttement (Dy One Bsis) 1 Sujet to the Speil Conditions set out elow, the sis on whih the mount pyle for Buildings, Tennt Improvements nd All Other Property for whih Delred Vlue is speified in the Shedule is to e lulted will e the reinsttement of the Property lost, destroyed or dmged. For the purpose of this luse Reinsttement mens the reuilding or replement of Property lost or destroyed whih, provided Our liility is not inresed, my e rried out i in ny mnner suitle to requirements of You ii on nother site the repir or restortion of Property dmged in either se to ondition equivlent to, or sustntilly the sme s, ut no etter or more extensive thn its ondition when new. 2 The Delred Vlue (shown in rkets elow the Sum Insured), hving een stted in writing y You, hs een used to lulte the premium. Delred Vlue mens the ssessment y You of the ost of Reinsttement of Property Insured rrived t in ordne with prgrph 1 t the level of osts pplying t ineption of the Period of Insurne 5

8 ignoring infltionry ftors whih my susequently operte), together with, to the extent tht over provides, due llowne for ny dditionl ost of Reinsttement to omply with Puli Authorities regultions, ye lws or stipultions professionl fees removl of deris osts. Speil Conditions 1 At ineption of eh Period of Insurne, You shll notify Us of the Delred Vlue of Property Insured. In the sene of suh delrtion the lst mount delred y You will e tken s the Delred Vlue for the new Period of Insurne, ppropritely djusted if Index Linking pplies 2 Eh item insured under this luse is delred to e seprtely sujet to the following Condition of Averge nmely: If t the time of loss the ost of Reinsttement of the Property overed y suh item e less thn the tul ost (s defined in 1 of this luse) t the ommenement of the Period of Insurne then Our liility for ny loss herey insured shll e limited to tht proportion thereof whih the ost of Reinsttement ers to the tul ost. 3 Our liility for the repir or restortion of Property dmged in prt only, shll not exeed the mount whih would hve een pyle if suh Property hd een wholly destroyed. 4 No pyment eyond the mount We hve pid in the sene of this luse will e mde unless Reinsttement ommenes nd proeeds without resonle dely until the ost of Reinsttement hs een tully een inurred where the Property Insured t the time of Dmge is overed y ny other insurne effeted y You, or on ehlf of You whih is not on the sme sis of Reinsttement. 5 All the terms nd onditions of this Setion nd the Poliy shll pply to ny lim pyle under the provisions of this luse, other thn where they re expressly vried y the terms of this luse where lims re pyle s if this luse hd not een inorported, exept tht sums insured will e limited to 115% of Delred Vlues. Mhinery Re eretion Costs The insurne on mhinery nd plnt under All Other Property inludes the ost of re eretion nd fixing mhinery nd plnt nd testing nd ommissioning in onsequene of Dmge herey insured. Our liility under this luse shll not exeed the Sum Insured shown in the Shedule. Rent We will indemnify You if the Buildings or ny prt of the Buildings re unfit for ouption following Dmge, for the proportion of the Rent Sum Insured shown in the Shedule for the period neessry for reinsttement. Workmen Workmen re llowed on The Premises for the purpose of mking minor extensions or ltertions, mintenne or the like from time to time without prejudie to this insurne. Non Invlidtion This Setion shll not e invlidted y: Any t or omission or y ny ltertion unknown to or eyond the ontrol of You y whih the risk of Dmge is inresed, provided tht You shll give notie to Us (nd py n dditionl premium if required) immeditely You eome wre of suh t, omission or ltertion. Contrt Prie In respet of ny Vehile (inluding Aessories, plnt nd equipment fixed thereto) or spre prt omponent or essory of vehile sold ut not delivered for whih You re responsile nd with regrd to whih under the Conditions of Sle the Sle Contrt is y reson of the Dmge nelled either wholly or to the extent of suh Dmge, Our liility shll e sed on the Contrt Prie, nd for the purpose of Averge the vlue of ll suh property to whih this luse would in the event of Dmge e pplile shll e sertined on the sme sis. 6

9 Contrting Purhsers Interest If t the time of Dmge to the Buildings shown in the Shedule You shll hve ontrted to sell Your interest in these Buildings nd the purhse hs not een ut shll fterwrds e ompleted, the purhsers on the ompletion of the purhse (if nd so fr s the property is not otherwise insured ginst suh Dmge y them or on their ehlf) shll e entitled to the enefit of this Setion without prejudie to the rights nd liilities of You or Us until ompletion. Money Definitions Negotile Money Csh, nk nd urreny notes, unrossed heques, giro heques inluding pre uthentited giro heques, unrossed wrrnts, unrossed postl nd money orders, urrent postge nd revenue stmps, Ntionl Svings stmps nd ertifites, holidy with py stmps nd gift tokens, Ntionl Insurne stmps (whether ffixed to rds or not), deit rd sles vouhers, trding stmps, lunheon vouhers nd ills of exhnge, seurity for money trvel wrrnts nd uthentited trvel tikets nd phone rds for use y You or ny prtner, diretor or Employee of You in onnetion with The Business, onsumer redemption vouhers nd ompny sles vouhers, nd unexpired units in frnking mhines, ll elonging to You or for whih You hve epted responsiility. d e it is ondition preedent to liility tht Negotile Money In Trnsit (exluding unused tx diss), other thn y n pproved seurity orgnistion, will e ompnied y: i two le odied dults when in exess of 5,000 ii three le odied dults when in exess of 10,000 it is ondition preedent to liility tht unused tx diss in exess of 50,000 will e ompnied y two le odied dults. Exlusion 5 Dishonesty shll not pply to ny loss rising from the lk of integrity of ny Employee disovered within thirty dys of the ourrene. We shll not e lile for ny loss of Money nd unused tx diss in speified loked sfe out of Business Hours unless ll of the sfe keys re removed from The Premises. We shll not e lile for ny loss of Money: i due to error or omission ii resulting diretly or indiretly from forgery, frudulent ltertion or sustitution, or frudulent use of omputer or eletroni trnsfer. Deteriortion of Goods We will indemnify You ginst Dmge to goods in ny refrigertion inet or old room t The Premises shown in the Shedule y deteriortion or putreftion solely nd diretly used y: Non Negotile Money Crossed wrrnts, rossed heques, rossed giro heques, rossed post nd money orders, rossed nkers drfts, rossed Ntionl Giro nk sh heques, premium onds, svings onds, stmped Ntionl Insurne rds, Ntionl Svings Certifites, VAT purhse invoies nd redit rd sles vouhers ll elonging to You or for whih You hve epted responsiility. Money In Trnsit Money in Trnsit in Your personl ustody or tht of ny prtner, diretor or uthorised Employee of You or of seurity orgnistion pproved y Us. rise or fll in temperture s result of i ii Dmge to or fult in the refrigerting mhinery filure of the puli supply of eletriity to the terminl ends of the supply undertking s servie feeders t The Premises iii identl filure of the eletril instlltion onneting the refrigerting mhinery to the supply undertking s servie feeders the tion of the refrigernt or refrigernt fumes whih hve esped from the refrigerting mhinery. Cover This Setion shll over Money for Dmge up to the Limits speified for eh of The Premises shown in the Shedule. In respet of this Cover: For the purposes of this luse: 1 the words grdul deteriortion nd hnge in temperture re deleted from Exlusions 1 nd 1d of this Setion. 2 the Limit is s shown in the Shedule. 7

10 3 Indemnity shll not pply to A Dmge i under ii of this luse used y: drought delierte t of the supply undertking not performed for the sole purpose of the sfegurding of life or proteting ny prt of the supply undertking s system sheme of rtioning not neessitted solely y identl dmge to the supply undertking s generting or supply equipment ii used y ny wilful t or neglet y You iii used y fulty pking or stowge, inherent defet or ny form of norml trde loss. B the first 100 of ny lim for Dmge. Extensions 1 Altertions nd Additions To the extent tht they re not otherwise insured, Buildings nd All Other Property items inlude ltertions, dditions nd improvements (ut not ppreition in vlue in exess of Sums Insured) to Buildings, mhinery nd plnt ny newly quired or newly ereted Buildings, mhinery or plnt within the Geogrphil Limits, for no more thn 10% of the Sum Insured for eh item overed, or 1,000,000 in totl, whihever is the less, t The Premises, provided tht You shll give detils of suh ltertions nd dditions to Us within 90 dys of the ommenement dte of Your responsiility nd efore the expiry of the Period of Insurne, effet speifi over retrospetive to suh dte nd py the pproprite dditionl premium. 2 Automti Reinsttement of Loss In onsidertion of the insurne not eing redued y the mount of ny loss You shll py the pproprite extr premium on the mount of the loss from the dte of loss to the expiry of the Period of Insurne. 3 Clering of Drins The insurne in respet of Buildings extends to over expenses neessrily nd resonly inurred in lening lering nd/or repiring drins, gutters nd sewers in onsequene of Dmge insured y this Poliy on The Premises. 4 Dmge to Buildings (Following Theft) When Buildings re not overed in the Shedule this insurne is extended to inlude the ost for whih You re responsile for mking good Dmge to Buildings due to theft or ttempted theft. 5 Employees Tools This Setion extends to inlude tools the property of the Employees, for whih You ept responsiility, whilst wy from The Premises nywhere within the Geogrphil Limits. The mximum We will py in respet of ny one Employee is 2,500 (provided the Sums Insured in the Shedule re dequte). 6 Europen Union nd Puli Authorities Sujet to the Speil Conditions set out elow, over for Buildings, Tennts Improvements nd All Other Property inludes n mount in respet of ny dditionl ost of reinsttement whih is inurred solely y reson of the neessity to omply with uilding or other regultions under or frmed in pursune of nd At of Prliment, with ye Lws of ny puli uthority, or to omply with the stipultions of Europen legisltion in onsequene of Dmge in respet of lost destroyed or dmged Property undmged portions of suh Property exluding A the ost inurred in omplying with suh regultions, ye lws or stipultions i in respet of Dmge ourring prior to the grnting of this over ii in respet of Dmge not insured y this Setion iii under whih notie hs een served upon You efore the dte of the Dmge or where n existing requirement must e ompleted within stipulted period iv in respet of undmged portions of the Property ny property whih hs not sustined Dmge s insured y this Setion or the Poliy B the dditionl ost tht would hve een required to mke good the Property dmged to ondition equl to its ondition when new, hd the neessity to omply with suh regultions ye lws or stipultions not risen 8

11 C the mount of ny rte, tx, duty, development or other hrge or ssessment rising out of pitl ppreition whih my e pyle in respet of the Property y reson of ompline with ny suh regultions, ye lws or stipultions. Speil Conditions 1 The work of reinsttement must e ommened nd rried out without unresonle dely, nd my e rried out upon nother site (if suh regultions, yelws or stipultions so neessitte) sujet to there eing no resulting inrese in Our liility 2 If Our liility is redued y the pplition of ny of the terms nd onditions of this Setion or Poliy (other thn s result of this luse) Our liility under this luse will e redued in like proportion 3 Our liility shll not exeed in respet of ny one lim i ii in respet of undmged portions of property (other thn foundtions) 15% of the totl mount we would hve een lile to py to reinstte the property if the Property Insured y the Item t The Premises where Dmge ourred hd een wholly destroyed in respet of the property suffering Dmge the Sum Insured pplile to eh seprte premises 4 All the terms nd onditions of this Setion nd the Poliy shll pply to ny lim pyle under the provisions of this luse other thn where they re expressly vried y the terms of this luse. 7 Exhiitions This insurne overs the Property Insured, other thn Vehiles, whilst t ny exhiition nywhere in the Geogrphil Limits up to the Limit shown in the Shedule, inluding identl dmge whilst in the ourse of ny demonstrtion, eretion, dismntling or onstrution y You ut exluding: loss due to theft other thn involving entry to or exit from the uildings y forile nd violent mens or hold up y violene or threts of violene loss of or dmge due to theft from ny Vehile whih is left unttended unless the Vehile is seurely loked nd the keys or key rd removed. 8 Finnil Loss (New nd Unused Vehiles) If We hve greed tht new nd unused Vehile (whih is the sujet of indemnity under this Setion) hs eome unslele s n unused Vehile, We will py ny dditionl disount mde neessry s diret result of suh lim to effet sle. 9 Fire Extinguishers, Sprinklers nd Seurity Equipment We will py the resonle osts inurred y You in refilling, rehrging or repling ny fire extinguishers or sprinkler heds hving ny fire nd/or intruder lrms nd losed iruit television equipment reset solely in onsequene of Dmge; Provided tht i You mintin ll suh equipment under ontrt nd in ordne with the mnufturer s instrutions with mintenne ompny eptle to Us ii We shll not e lile in respet of ny osts nd expenses reoverle from the mintenne ompny or fire servie iii Our liility in respet of ny one lim shll not exeed 10, Generl Interests We gree to utomtilly note the interest of ny other prty if requested y You in ny of the Property Insured nd whih tthed efore the hppening of ny Dmge, ut only to the extent tht suh interest is not otherwise insured nd sujet to their identity eing dislosed in writing to Us y You in the event of Dmge. 11 Index linking At Your request, the Sums Insured nd/or Delred Vlues will e djusted to tke into ount movements in the pproprite index nd renewl premiums will e sed on the djusted Sums insured nd/or Delred Vlues. For Buildings, the Generl Buildings Cost Index issued y the Building Cost Informtion Servie of the Royl Institution of hrtered Surveyors or for Residentil Property the Household Reuilding Cost Index issued y the Assoition of British (or some other suitle index We deide upon) will e used. For All Other Property the Retil Prie Index (or some other suitle index We deide upon) will e used. 9

12 The ove perentge hnges will ontinue to e pplied etween the dte of ny Dmge nd the dte when replement or repir hs een ompleted provided tht the work of reuilding or repir is ommened nd rried out without unresonle dely. 12 Lndsped Grounds Cover inludes osts inurred y You in onsequene of Dmge to Property Insured t The Premises, up to n mount of 10,000 ny one lim, in restoring lndspe grounds to their originl pperne when first lid out nd plnted, ut We will not py for osts rising due to the filure of trees, shrus, plnts, turf nd the like to germinte or eome estlished. 13 Legl Liility Commeril Lods of Customers Vehiles We will indemnify You ginst legl liility to py for Dmge to ommeril lods elonging to or held in trust y Your ustomer whilst stored on The Premises or in trnsit in or on ny Vehile in Your ustody or ontrol nd rried in onnetion with The Business for the Limit shown in the Shedule provided tht We shll not e lile: d for onsequentil loss of ny kind in respet of liility ssumed y You under ny greement unless suh liility would hve tthed in the sene of suh greement for ny property elonging to or hired to You or ny memer of Your fmily or household or ny prtner, diretor or Employee or ny memer of their fmily or household for Dmge used y theft unless fore nd violene is used to enter or leve ny Vehile or ny uilding in whih suh property is stored or hold up y violene or threts of violene. 14 Loks nd Keys This Setion extends to inlude the ost of repling loks or lok mehnisms, keys, key rds nd remote ontrol trnsmitters neessry to mintin the seurity of The Premises, Vehiles nd ny sfe or strongroom ginst ess following theft of keys, key rds or remote ontrol trnsmitters y fore nd violene (or thret thereof ginst ny prtner diretor or Employee of You) for n mount not exeeding 10,000 ny one ourrene of theft. 15 Loss of Metered Wter This Setion extends to over dditionl metered wter hrges inurred y You s result of Dmge insured y this Poliy, ut exluding loss resulting from Dmge in respet of ny uilding tht is Unoupied identl espe of wter from ny utomti sprinkler instlltion in The Premises. The sis upon whih the mount pyle is to e lulted shll e the mount of wter suppliers hrges for the period during whih Dmge ourred, less the hrge pyle y You for the orresponding period in the preeding yer, djusted for ltertions in the wter suppliers hrges for vritions ffeting Your wter onsumption during the intervening period, sujet to Our liility not exeeding 10,000. This Extension is not sujet to ny ondition of Averge (Underinsurne). 16 New for Old (Vehiles) In respet of i ii ny Vehile owned nd registered y You, (or is the sujet of hire purhse or ny type of lesing or ontrt hire greement) or ny Privte Cr or motor yle owned nd registered in the nme of ustomer of You (or is the sujet of hire purhse or ny type of lesing or ontrt hire greement) sine new nd during the period of twelve months from the dte of its first registrtion, if it is either: lost y theft nd not reovered within 28 dys of the dte on whih the theft is first reported to Us in writing dmged to n extent greter thn 50% of its list prie (inlusive of tx) t the time of suh Dmge We will, t Your request nd sujet to the onsent of other interested prties known to Us, reple suh Vehile with new one of the sme mnufture nd model, sujet to vilility, nd therefter the lost or dmged Vehile shll e Our property. The mximum We will py for ll losses of theft ourring during one Period of Insurne is 50,

13 17 Notie of Interest Freeholders, Lessees nd Mortggees We gree tht the interest of ny Freeholder, Lessee, Under Lessee nd/or Mortggee in respet of Buildings insured y this Setion nd whih tthed efore the hppening of ny Dmge shll e utomtilly noted in this insurne if requested y You, ut only to the extent tht suh interest is not otherwise insured nd sujet to their identity eing dislosed in writing to Us y You in the event of Dmge. This insurne shll not e invlidted y ny inrese in the risk of Dmge resulting from n ltertion, t or omission whih ours without the uthority or knowledge of ny Freeholder nd/or Lessee nd/or Mortggee, ut this shll only protet the interest of suh Freeholder, Lessee or Mortggee nd shll only pply if We re notified immeditely on the prt eoming wre of the inresed risk nd the pyment of ny resonle dditionl premium is mde. 18 Personl Aident Assult nd Vitim Cre Definitions Insured Person You nd ny prtner, diretor or Employee ged etween 16 nd 75 yers. Aident Bodily injury used y violent externl nd visile mens. Loss of Lim(s) Totl nd permnent loss y physil seprtion or totl nd permnent loss of use of hnd t or ove the wrist or foot t or ove the nkle. Loss of Sight Totl nd permnent Loss of Sight will e onsidered s hving ourred: in oth eyes if the Insured Person s nme hs een dded to the Register of Blind persons on the uthority of fully qulified ophthlmi speilist or in one eye if the degree of sight remining fter orretion is 3/60 or less on the Snellen Sle, whih hs lsted 3 onseutive months of the Insured Person s lifetime nd is t the end of tht period eyond hope of improvement. Permnent Totl Dislement Any permnent dislement other thn Loss of Sight or Loss of Lim whih hving lsted without interruption for t lest 12 months is without ny resonle prospet of improving nd in the opinion of n independent qulified medil referee eptle to Us will in ll proility permnently, ompletely nd ontinuously prevent the Insured Person from engging in or giving ttention to his or her usul ouption for the reminder of his or her life. Temporry Totl Dislement A dislement whih wholly prevents the Insured Person from performing eh nd every funtion of his or her usul ouption ut is not Permnent Totl Dislement. Temporry Prtil Dislement A dislement whih wholly prevents the Insured Person from performing more thn 50% of the funtions of his or her usul ouption ut is not Permnent Totl Dislement. We undertke tht if during the ontinune of this Setion ny Insured Person whilst engged in onnetion with The Business shll s diret result of theft or ttempted theft: A involving ssult or violene or thret thereof sustin n Aident We will py to You ompenstion ording to the following Sle of Compenstion: Item 1 In respet of n Aident resulting diretly nd independently of ny other use within 12 months in Compenstion Pyle Deth 10,000 Loss of Lim(s) (one or more) nd/or 10,000 Loss of Sight of one or oth eyes Permnent Totl Dislement 10,000 d Temporry Totl Dislement 100* e Temporry Prtil Dislement 50* *per week during suh dislement 2 In respet of the ost of lening repiring or repling lost or dmged lothing or personl effets of the Insured Person up to

14 B of Money involving ssult or violene or thret thereof suffer soil nd/or emotionl impirment. We will py the fees for professionl ounselling. The mount pyle shll not exeed 1 n hourly ost of more thn ,000 for ny one Insured Person in respet of ny one inident 3 5,000 in totl for ll Insured Persons s result of ny inident. Limittions In respet of eh Insured Person ompenstion shll not e pyle: 1 in respet of A ove under more thn one of the Items of the Sle of Compenstion for the onsequenes of the sme Aident other thn under i Item 1e preeding or following Item 1d ii Item 1 following 104 weeks of Item 1d under Item 1d nd 1e for more thn 104 weeks in ll in respet of one Aident for deth injury or dislement used or ontriuted to or y ny pre existing physil defet infirmity or disese d unless the Insured Person is under the re of duly qulified medil prtitioner nd if required sumits to medil exmintion t Our expense. In the event of deth of the Insured Person We shll e entitled to mke rrngements for post mortem exmintion 2 in respet of B ove unless suh ounselling is reommended y qulified medil prtitioner nd greed to y Us efore osts re inurred nd the ounsellor seleted is reognised y the Institute of Complementry Mediine. 19 Property in Trnsit This Setion extends to inlude Property In Trnsit up to the Limit shown in the Shedule ut exluding shoring up, propping or ording up of the portion or portions of the Property Insured y the sid items destroyed or dmged. We will not py for ny osts or expenses: i inurred in removing deris exept from the site of suh Property Dmge nd the re immeditely djent to suh site ii rising from pollution or ontmintion of property not insured y this Setion. d the removl of ny unintentionlly immoilised plnt. Our liility in respet of ny item shll not exeed the Sum Insured shown in the Shedule. 21 Sesonl Inrese The Vehiles Sum Insured is inresed y 30% during the months of Ferury, Mrh, August nd Septemer. 22 Seventy Two Hours Cluse Dmge ourring within 72 onseutive hours nd rising from storm or flood is deemed to e one lim. You hve the right to selet the moment from whih the 72 hour period shll e deemed to hve ommened within the terms of the Setion, provided tht suh Dmge ourred prior to the expiry of the Period of Insurne. 23 Soni Bngs Generl Exlusion 4 shll not pply in respet of susequent Dmge to the Property Insured resulting from n ensuing use whih is not otherwise exluded. 24 Surogtion Wiver In the event of lim rising under this Setion We gree to wive ny rights remedies or relief to whih You might eome entitled y surogtion ginst Employees tools Contents of ustomers Vehiles nd personl property in ny other vehile. 20 Removl of Deris The insurne y ll items of this Setion other thn Rent extends to inlude osts nd expenses neessrily inurred y You with Our onsent in: removing nd disposing of deris ny Compny stnding in the reltion of Prent to Susidiry or Susidiry to Prent to You s defined in the Compnies At or Compnies (N.I.) Order, s pproprite, urrent t the time of the Dmge ny Compny whih is Susidiry of Prent Compny of whih You re Susidiry in eh se within the mening of the Compnies At or Compnies (N.I.) Order, s pproprite, urrent t the time of the Dmge. dismntling nd/or demolishing 12

15 25 Temporry Removl This Setion extends to inlude Buildings, Tennts Improvements, Stok nd All Other Property whilst temporrily removed to nywhere within the Geogrphil Limits exluding ny mount in exess of 10% of the Sum Insured for eh of the items, Buildings, Tennts Improvements, Stok nd All Other Property shown in the Shedule ny mount in exess of 25,000 d e property whilst t ny exhiition Employees Tools Stok nd All Other Property In Trnsit. 26 Tre nd Aess In the event of Dmge in onsequene of espe of wter or fuel oil from ny tnk, pprtus or pipe, or lekge of fuel from ny fixed oil heting instlltion, We will py osts neessrily nd resonly inurred y You in loting the soure of suh Dmge, nd in the susequent mking good of Dmge used s onsequene of loting suh soure, up to n mount of 10,000 ny one lim. d e f orrosion, rust, hnge in temperture, wet or dry rot, shrinkge, evportion, loss of weight, hnge in olour or texture or finish, dmpness or dryness, vermin or insets exept for: i Dmge resulting from use whih is not otherwise exluded ii susequent Dmge resulting from n ensuing use whih is not otherwise exluded fulty or defetive mterils or workmnship exept for susequent Dmge resulting from n ensuing use whih is not otherwise exluded. This Exlusion shll not pply to ny Vehile or spre prt omponent or essory of vehile used y its repir, ltertion, servie, mintenne, tretment, test or exmintion provided tht We shll not e lile in respet of ll osts of or rising from the need for: i the retifition of the originl repir or ltertion ii rrying out gin the servie, mintenne, tretment, test or exmintion tht gve rise to the Dmge the effets of rin, sleet, snow or dust to property not designed to e kept in the open whilst it is in the open Exlusions to Setion 1 The Generl Exlusions of this Poliy pply to this Setion nd in ddition it does not over: 1 Misellneous Exlusions Dmge used y: inherent vie, ltent defet, grdul deteriortion, depreition, wer nd ter, or its own fulty or defetive design exept for susequent Dmge resulting from n ensuing use whih is not otherwise exluded ollpse or rking of Buildings exept for Dmge resulting from use whih is not otherwise exluded 2 Frost Dmge used y frost to: 3 Vehiles the Property Insured under Buildings nd Tennts Improvements exept for: i Dmge to wter tnks pprtus nd pipes nd wter dmge resulting therefrom ii susequent Dmge resulting from n ensuing use not exluded in 2i ove or elsewhere other property not designed to e kept in the open whilst in the open exept for susequent Dmge resulting from n ensuing use whih is not otherwise exluded. Dmge to ny its own mehnil or eletril rekdown, filure or derngement in respet of the prtiulr mhine, equipment, pprtus or omputer equipment in whih suh rekdown, filure or derngement origintes exept for: i Dmge resulting from use whih is not otherwise exluded ii susequent Dmge resulting from n ensuing use whih is not otherwise exluded motor vehile, inluding Aessories, plnt nd equipment fixed thereto triler whilst tthed to motor vehile for the purpose of eing towed or whilst eing onveyed on nother motor vehile or its triler inluding Dmge sustined during the opertions of loding or unloding. ourring elsewhere thn on The Premises. 13

16 4 Inner Property Limits Any mounts in exess of the Inner Property Limits t eh of The Premises shown in the Shedule in respet of Dmge to: d e f portle hnd tools of every desription in vehile entertinment equipment whether or not ontined in vehiles, moile phones nd MP3 plyers Property In Trnsit for ny one lim ll igrettes, too, CDs, DVDs, wines nd spirits nd lothing stoks ontents of ustomers vehiles nd personl property in ny other vehile ommeril lods of ustomers vehiles. 5 Dishonesty Loss used y ny t of frud or dishonesty y You or ny prtner, diretor or Employee of You. 6 Theft y Deeption Loss resulting from You or ny prtner, diretor or Employee of You voluntrily prting with title or ny rights of ownership of ny property if indued to do so y ny frudulent sheme, trik or flse pretene. 7 Inventory Any unexplined loss, mysterious dispperne, or loss or shortge disovered on tking inventory. 8 Susidene Dmge used y susidene ground heve or lndslip unless resulting from fire, explosion, erthquke or the espe of wter from ny tnk pprtus or pipe norml settlement or edding down of new strutures the settlement or movement of mde up ground. 9 Pollution or Contmintion Dmge used y pollution or ontmintion, ut We will py for Dmge to the Property Insured not otherwise exluded, used y: ny Speified Event whih itself results from pollution or ontmintion. 10 Chnges in Wter Tle Level Dmge ttriutle solely to hnges in the wter tle level. 11 Eletril Apprtus If ny eletril plnt or fittings shll e dmged y fire osioned y self ignition, over running, exessive pressure, short iruiting, self heting or lekge of eletriity, We shll not e lile for Dmge in respet of the prtiulr piee of plnt or fitting whih shll hve used the fire, ut We shll e lile for loss in respet of ny other plnt or fittings dmged in onsequene of the fire. 12 Confistion, Requisition et. Dmge osioned y onfistion, requisition, ntionlistion, seizure or destrution y order of the Government or ny Puli uthority. 13 Unoupied Buildings Dmge in respet of ny Buildings whih re Unoupied used y 14 Property d frost nd/or freezing espe of wter from ny tnk, pprtus or pipe mliious persons not ting on ehlf of or in onnetion with ny politil orgnistion, ut We will py for suh Dmge used y fire or explosion. rilwy loomotives rolling stok, wterrft or irrft property or strutures in ourse of onstrution or eretion nd mterils or supplies in onnetion with suh property or strutures lnd, piers, jetties, ridges, ulverts or exvtions livestok, growing rops or trees ut We will py for suh property speifilly desried in the Shedule. pollution or ontmintion whih itself results from Speified Event 14

17 15 Dmge to ny Property Dmge: used y fire, resulting from its undergoing, ny heting proess, resulting from its undergoing ny proess of prodution or pking, ut We will py for suh Dmge used y fire or explosion. Conditions The Generl Conditions of this Poliy pply to this Setion nd in ddition: 1 Intruder Alrm Instlltion Where The Premises or prt of The Premises re proteted y n Intruder Alrm Instlltion d suh Intruder Alrm Instlltion i ii must not e ltered or mended in ny wy unless suh mendment or ltertion hs een pproved in writing y Us must e mintined under ontrt with the instllers or s otherwise pproved in writing y Us ll keys to the Intruder Alrm Instlltion must e removed from The Premises when The Premises re unttended You must i ii mintin the serey of odes for the opertion of the Intruder Alrm Instlltion nd no detils of suh odes shll e left on The Premises when The Premises re unttended immeditely notify Us upon reeipt of ny ommunition giving notie tht the level of response to the Intruder Alrm Instlltion hs een or will e redued or delyed iii ppoint t lest two Keyholders nd lodge written detils (whih must e kept up to dte) with the lrm ompny, lrm reeiving entre nd with the Polie nd/or lol uthority if they require in the event of notifition of i ii ny fult in the Intruder Alrm Instlltion tivtion of the Intruder Alrm Instlltion e iii interruption of the mens to trnsmit or reeive signls to or from the Intruder Alrm Instlltion during ny period tht the Intruder Alrm Instlltion is set Keyholder must ttend The Premises s soon s possile in order to onfirm the seurity of the uildings nd The Premises nd reset the Intruder Alrm in its entirety If the Intruder Alrm System nnot e reset in its entirety or ll the mens of ommunition used to trnsmit the signls re not in full opertion, Keyholder must remin t The Premises unless We gree otherwise in writing. The Premises must not e left without t lest one Responsile Person in ttendne without Our greement unless the Intruder Alrm Instlltion is set in its entirety nd with the mens to trnsmit or reeive signls (inluding the signlling pth or pths) in full nd effetive opertion where the Polie hve withdrwn their response to i ii n lrm tivtion (where the Intruder Alrm Instlltion does not inlude onfirmed lrm tivtion tehnology) onfirmed lrm tivtion where the Intruder Alrm Instlltion inludes onfirmed lrm tivtion tehnology. 2 Additionl Protetions/Keys ny dditionl protetion required y Us shll e fitted in ordne with Our requirements nd together with ll other devies for the protetion of the Property Insured shll e kept in good order nd put into full nd effetive opertion ll keys inluding duplite keys neessry to mintin the seurity of The Premises ginst ess nd egress shll e removed from the seured premises or kept within speified loked sfe We gree in writing. 3 Designtion of Property For the purpose of determining where neessry the Item under whih ny property is insured it is greed y Us to ept the designtion under whih suh property hs een entered in Your ooks. 15

18 4 Chnge of Oupny nd Unoupied Premises It is ondition preedent to Our liility tht You must notify Us in writing s soon s You eome wre tht i ny oupied uildings or oupied prts of ny uildings eome Unoupied ii ny Unoupied uildings or Unoupied prts of ny uildings eome oupied We will notify You of the terms nd onditions to pply to suh uildings nd You my e required to py n dditionl premium. in respet of ny uildings or prts of ny uildings tht re Unoupied or eome Unoupied fter the ommenement of over under this Setion, tht suh uildings or prts of uildings gin eome oupied You or Your nominees must i turn off eletriity, gs nd wter supplies t the mins nd drin down the wter system exept for those onneted to utomti fire lrm or Intruder Alrm Instlltions sprinkler instlltions or other fire suppression systems ii mintin utomti sprinkler instlltions nd other fire suppression systems nd utomti fire nd Intruder Alrm Instlltions, nd keep them fully opertionl iii mintin level of heting suffiient to prevent freezing of utomti sprinkler instlltions iv seure the uildings nd The Premises nd ll points of ess ginst entry y intruders, nd put ll protetive nd loking devies nd ny Intruder Alrm Instlltions into full nd effetive opertion v remove ll wste, unfixed onsumle mterils nd gs ottles, either within or outside the uildings, from The Premises vi rry out n internl nd externl inspetion of the uildings nd The Premises t lest one in every seven dys nd mintin reord of suh inspetions ensure tht ny defets in the ondition or stte of repir of the uildings inluding ny wlls, gtes nd fenes pertining to them, or ny defets in seurity, lrm or fire protetion instlltions re retified, remedied or repired immeditely vii notify Us immeditely if the uildings nd/or The Premises re to e oupied y ontrtors for renovting, ltertion or onversion purposes viii omplete ny risk improvements put forwrd y Us within the timesles speified y Us. ord up ll ground floor nd ny other esily essile externl doors nd windows. 5 Clims Condition The Generl Clims Conditions 4, 5, 6 nd 7 pply nd in ddition: In the event of Dmge, You shll t Your own expense deliver to Us within 30 dys fter suh Dmge (7 dys in the se of dmge y riot, ivil ommotion, strikers, loked out workers, persons tking prt in lour disturnes, mliious persons or theft) or suh further time s We my llow in writing i full informtion in writing of the Property Insured dmged, nd the mount of dmge ii detils of ny other insurnes on the Property Insured overed y this Poliy ll suh proof nd informtion relting to the lim s my e resonly e required if required, sttutory delrtion of the truth of the lim nd of ny mtters onneted with it We will not py for ny lims unless the terms of these onditions hve een omplied with. 6 Altertion The over y this Setion shll e voided with respet to ny of the Property Insured in regrd to whih there is ny ltertion fter the ommenement of the Setion d y removl whih inreses the risk of Dmge s insured y this Setion or where the interest of You eses exept y will or opertion of lw in respet of susidene, groundheve or lndslip where ny demolition, onstrution or ground works or exvtion work is eing rried out on ny djoining site unless We gree in writing 16

19 Setion 2 Motor Vehile Rod Risks Definitions The Poliy Definitions of this Poliy pply to this Setion nd in ddition: 1 Insured Vlue The sum for whih the Insured Vehile or vehile of equivlent qulity nd speifition ould hve een purhsed y You t the time of the loss or dmge. 2 Insured Vehile ny motor vehile sujet to Vehile Exise Duty (when required y lw), inluding Aessories, plnt nd equipment fixed thereto desried in prgrph 1 of Your Certifite of Motor Insurne ny disled motor vehile nd/or ny triler tthed to vehile desried in ove for the purpose of eing towed ny vehile nd/or triler whilst eing onveyed on vehile or triler desried in or ove used for purposes permitted y Your Certifite of Motor Insurne. Exept when You hve requested nd We hve greed to provide over, Insured Vehile does not inlude ny motor vehile registered elsewhere thn the Geogrphil Limits. 3 Theft The term Theft used in this Setion shll inlude the offene of tking motor vehile or other onveyne without uthority s defined in Setion 12 of the Theft At The following Definitions shll pply to Indemnity 8 only. 4 Costs We will py the following on Your ehlf: The professionl fees nd expenses resonly nd properly hrged y the Legl Representtive on Stndrd Bsis, up to the stndrd rtes set y the ourts, whih You nnot reover from Your opponent. Your opponent s osts in ivil ses whih You re ordered to py y ourt or triunl or whih You py to Your opponent with Our written greement. We will only py You osts whih We onsider re neessry nd in proportion to the vlue of Your lim. We will only strt to over osts from the time We hve epted Your lim in writing nd ppointed the Legl Representtive. 5 Legl Representtive A soliitor, rrister or ny other ppropritely qulified person ppointed in the nme of nd on ehlf of You with the greement of Us to t for You in ordne with the terms of this Indemnity. 6 Stndrd Bsis The ssessment of Costs whih re proportionte to Your lim. 7 We/Us/Our Allinz Insurne pl trding s Allinz Legl Protetion. Interprettion Custody or Control Any Insured Vehile in the ustody or ontrol of ny Person or Persons Entitled to Drive s desried in prgrph 5 of the urrent Certifite of Motor Insurne shll, for the purpose of indemnifying You, e deemed to e in Your ustody or ontrol. Comprehensive Cover under ll Indemnities. Prtil Comprehensive Cover under ll Indemnities (ut over under Indemnity 2 Dmge exludes the ost of lour or the hire of ny equipment or plnt in respet of ny repir). The provisions of this over shll not pply in respet of vehiles owned y Your ustomers. Third Prty Fire & Theft Cover under ll Indemnities (ut over under Indemnity 2 Dmge is restrited to loss or dmge used y fire, explosion or theft). Third Prty Only Cover under ll Indemnities (exept Indemnity 2 Dmge). 17