Complete Property Owner

Transcription

1 Allinz Insurne pl Complete Property Owner Poliy Woring

2 Complete Property Owners Complete Property Owner Poliy Woring Contents Insuring Cluse 2 Poliy Definitions 3 Poliy Conitions 4 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. Poliy Exlusions 8 The Cover Provie Setion 1 Property Dmge 10 Setion 2 Loss of Rent 19 Setion 3 Property Owners Liility 23 Setion 4 Employers Liility 31 Setion 5 Personl Aient 35 Setion 6 Commeril Legl Expenses 38 Aitionl Benefits 54 How to Mke Clim 56 Complints Proeure 58 Dt Protetion 59 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 Complete Property Owner Poliy Woring Introution Your Complete Property Owner 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 16 on pge 7 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 Complete Property Owner Poliy Woring Insuring Cluse The Sttement of Ft n 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 terms, onitions, limits 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 Complete Property Owner Poliy Woring Poliy Definitions The following efinitions pply to this Poliy (unless mene y Setion Definitions) n re enote y pitl first letter throughout this Poliy. All Other Contents Any ontents tht re not Contents of Common Prts, inluing ees, ouments, mnusripts n usiness ooks, ut only for the ost of the mterils n leril lour expene in reprouing suh reors omputer systems reors, ut only for the ost of the mterils n of leril lour n omputer time expene in reprouing suh reors, for n mount not exeeing 10,000 in totl n so fr s they re not otherwise insure prtners, iretors n employees personl effets of every esription (other thn motor vehiles) whilst t the Premises, for n mount not exeeing 500 for ny one person. 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. Business The usiness esription stte in the Sheule. Contents Contents of Common Prts n All Other Contents Contents of Common Prts Fitte rpets, furnishings n other ontents in reeption n storge res n other ommunl prts of the Builings inluing the ontents of fuel tnks t the Premises portle ommunl property in the open grouns of n use in onnetion with the Builings. Exess The first prt of eh n every lim, for whih the Insure is responsile 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 Property/Property Insure Builings, Contents of Common Prts, All Other Contents n other Property elonging to the Insure or for whih the Insure is responsile, s shown n/or esrie in the Sheule. The Insurer grees to ept the heing uner whih ny Property or other item hs een entere in the ooks of the Insure. Resient The owner, lessee or tennt of ny self ontine unit of resientil ommotion forming prt of the Builing n/or memers of their househol 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 unfurnishe, untennte or no longer in tive use. 3

6 Complete Property Owner Poliy Woring Poliy Conitions Applile unless stte to the ontrry uner the onitions in the Setions 1 Poliy Voile This Poliy shll e voile in the event of misrepresenttion, misesription or non-islosure of ny mteril prtiulr. 2 Resonle Preutions The Insure shll tke ll resonle re e to prevent ient n ny Injury or Dmge to oserve n omply with sttutory or lol uthority lws, oligtions n requirements in the seletion n supervision of employees to mintin the Property Insure use in onnetion with the Business in effiient n sfe working orer to mke goo or remey ny efet or nger whih eomes pprent n tke suh itionl preutions s the irumstnes my require. 3 Clims Ation y the Insure The Insure shll in the event of ny injury, loss, estrution, mge 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 lims or legl proeeing notify the Insurer within 30 ys, or 7 ys in the se of loss, estrution, mge 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 the Insurer my llow notify the Insurer immeitely upon eing vise of ny proseution, inquest or enquiry onnete with ny injury, loss, estrution, mge or onsequentil loss whih my form the sujet of lim uner this Poliy notify the polie s soon s it eomes evient tht ny loss, estrution, mge hs een use y theft or mliious persons pss immeitely, n unknowlege, ny letter of lim to the Insurer f g h i j retin unltere n unrepire nything in ny wy onnete with the injury, loss, estrution, mge 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 the Insurer my resonly require ii if require, sttutory elrtion of the truth of the lim iii etils of ny other insurne 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 the Insurer 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 the Insurer llow the Insurer in the nme of n on ehlf of the Insure to tke over n, uring suh perios s the Insurer thinks proper, to hve ontrol of ll negotitions n proeeings whih my rise in respet of ny lims n the settlement thereof n o-operte fully with the Insurer for tht purpose No lim uner this Poliy shll e pyle n ny pyment on ount of lim lrey me shll e repi to the Insurer, if the terms of this Poliy Conition re not omplie with. 4 Clims The Rights of the Insurer In respet of loss, estrution or mge for whih lim is me, the Insurer n ny person uthorise y the Insurer my without inurring ny liility or iminishing ny of the Insure s rights in respet of the over uner this Poliy, enter premises where suh loss, estrution or mge hs ourre, n tke possession of or require to e elivere to the Insurer ny Property insure, n to el with suh Property for ll resonle purpose n in ny resonle mnner. No Property my e none to the Insurer, whether tken possession of y the Insurer or not. The Insurer will not py for ny lim unless the terms of this onition hve een omplie with. e rry out n permit to e tken ny tion whih my e resonly prtile to prevent further loss, estrution, mge or onsequentil loss 4

7 Complete Property Owner Poliy Woring 5 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 n ministrtion hrge of 25 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 n ministrtion hrge of 25 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 the Insurer the urrent Certifite(s) of Employers Liility Insurne. Insurer s Cnelltion Rights The Insurer 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. If the premium for the Poliy is pi y instlments, plese refer to the instlment greement for etils of the nelltion proeure tht will pply. In the event of nelltion the Insure must return to the Insurer the urrent Certifite(s) of Employers Liility Insurne 6 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, the Insurer retins the right to keep the premium n to reover ny sums pi y wy of enefit uner the Poliy. 7 Surogtion Any limnt uner this Poliy shll, t the Insurer s request n expense, tke or permit to e tken ll neessry steps for enforing rights ginst ny other prty in the nme of the insure, efore or fter the Insurer mkes ny pyment. The Insurer grees to wive ny suh rights to whih the Insurer might eome entitle y surogtion ginst ny ompny stning in reltion of prent to susiiry (or susiiry to prent) to the Insure or ginst ny ompny whih is susiiry of prent ompny of whih the Insure re themselves susiiry, in eh se within the mening of the Compnies At or Compnies (Northern Ireln) Orer urrent t the time of loss, estrution or mge. 8 Aritrtion If ny ifferene rises s to the mount to e pi uner this Poliy (liility eing otherwise mitte y the Insurer), suh ifferene shll e referre to n ritrtor to e ppointe y the Insure n the Insurer in orne with sttutory provisions. Where ny ifferene is referre to this ritrtion in orne with this onition, the mking of n wr shll e onition preeent to ny right of tion ginst the Insurer. 9 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 eision of the English ourts. 10 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. 5

8 Complete Property Owner Poliy Woring Poliy Conitions (ontinue) 11 Non Invlition This Poliy shll not e invlite y ny t or omission or y ny ltertion or neglet unknown to or eyon the ontrol of the Insure y whih the risk of loss, estrution or mge is inrese, provie tht the Insure shll give notie to the Insurer (n py n itionl premium if require) immeitely they eome wre of suh t, omission, ltertion or neglet workmen on the Premises rrying out repirs, generl mintenne work or minor struturl or other ltertions of ontrt vlue not exeeing 25,000. Altertions of ontrt vlue ove this mount shoul e referre to the Insurer for eptne prior to suh work ommening. 12 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. 13 Unoupie Builings When ny Builing or portion thereof eomes Unoupie for perio exeeing 30 onseutive ys the Insure must give immeite notie of suh unoupny to the Insurer n lso when suh Unoupie Builings or portion thereof re gin oupie Events 7, 8, 10, 11 n 13 speifie in Setion 1 Property Dmge n Setion 2 Loss of Rent re not insure 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 A eletriity when neee to mintin ny fire or intruer lrm system in opertion, or, B wter supply n heting system where sprinkler system is in opertion ii iii iv 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 omustile mterils 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. 14 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 lter the terms n onitions of the Cover or to suspen or withrw Cover from the te Cover ws inepte or renewe or for ny other perio speifie y the Insurer. It is onition 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. 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 ontinue Cover sujet to ltertion of the terms n onitions of suh Cover, or to suspen or withrw Cover effetive A B C 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 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. 6

9 Complete Property Owner Poliy Woring 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 withrw 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 withrwn, 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. 15 Other Insurnes If t the time of ny loss, estrution or mge there is ny other insurne overing suh inients, the Insurer will only py their rtele proportion of suh loss. 16 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 the Insurer. 7

10 Complete Property Owner Poliy Woring Poliy Exlusions Applile unless stte to the ontrry uner Exlusions in the Setions This Poliy oes not over 1 Territoril Limits Loss, estrution, mge, 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 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 Exlusion n o not pply to Setion 4 - Employers Liility other thn in respet of i ii the liility of ny prinipl 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 3 - Property Owners Liility Setion 4 - Employers Liility n Setion 5 - Personl Aient. 4 Soni Bngs Loss, estrution or mge iretly osione y pressure wves use y irrft n other eril evies trvelling t soni or supersoni spees. 5 Northern Ireln Loss, estrution or mge or 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 loss, estrution, mge or ny onsequentil loss y fire or explosion) strikers, loke out workers, persons tking prt in lour isturnes or mliious persons. 6 Chnges in Wter Tle Loss, estrution or mge ttriutle solely to hnges in the wter tle level. 7 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 loss or 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, resulting iretly or iniretly from the type of loss or 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 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 8

11 Complete Property Owner Poliy Woring e 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 iove 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 or 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. 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 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. 8 Terrorism in respet of Engln, Wles n Sotln ut not the territoril ses jent thereto s efine in the Territoril Se At 1987: loss or 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 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 or 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 the Insurer lleges tht y reson of this exlusion ny loss or 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. 9

12 Complete Property Owner Poliy Woring Setion 1 Property Dmge Definitions Dmge Loss or estrution of or mge to Property Insure. Premises The Builings t the ress or resses stte in the Sheule, inluing their grouns, ll within the ounries for whih the Insure re responsile. Cover The Insurer will py the Insure for Dmge to Property Insure t the Premises esrie in the Sheule y ny of the Events opertive uner this Setion n not otherwise exlue ourring uring the perio of insurne. Events 1 Fire, exluing Dmge use y explosion resulting from fire y erthquke or suterrnen fire y its own spontneous fermenttion or heting, or its unergoing ny heting proess or ny proess involving the pplition of het Lightning Explosion of oilers of gs use for omesti purposes only, ut exluing ny Dmge use y erthquke or suterrnen fire. 2 Explosion, exluing Dmge use y or onsisting of the ursting y 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. 3 Airrft or other eril evies or rtiles roppe from them. 4 Riot, Civil Commotion, strikers, loke out workers, persons tking prt in lour isturnes or Mliious Persons, exluing: Dmge rising from ntionlistion, onfistion, requisition, seizure or estrution y the Government or ny puli uthority Dmge rising from esstion of work Dmge i y theft or ttempte theft ii in respet of ny Builing whih is Unoupie for perio exeeing 30 onseutive ys iretly use y mliious persons not ting on ehlf of or in onnetion with ny politil orgnistion, ut the Insurer will py for suh Dmge use y fire or explosion. 5 Erthquke. 6 Suterrnen fire. 7 Storm, tempest or floo, exluing Dmge y frost, susiene, groun heve or lnslip Dmge in respet of fenes, gtes or movele Property in the open Dmge to open-fronte or open-sie Builings or to Property ontine therein. 8 Espe of wter from ny tnk, pprtus or pipe, exluing Dmge y wter ishrge or leking from ny utomti sprinkler instlltion. 9 Impt y ny ro vehile or niml. 10 Sprinkler lekge Aientl espe of wter from ny utomti sprinkler instlltion in the Builings not use y explosion, erthquke, suterrnen fire or het use y fire. 11 Theft or ttempte theft exluing Dmge expeite or in ny wy rought out y the Insure or ny prtner, iretor or employee of the Insure use y Resient to the portion of the uilings in whih they resie 10

13 Complete Property Owner Poliy Woring to gren lnsping n pving, gren furniture, trees n plnts to Contents unless there hs een forile n violent entry to or exit from the Builing. 12 Susiene, groun heve or lnslip of ny prt of the Premises on whih the Property Insure stns exluing e f g h i Dmge use y ollpse, rking, shrinkge, expnsion or settlement of Builings or ny prt thereof Dmge use y ostl or river erosion Dmge use y efetive esign or workmnship or the use of efetive mterils inluing inequte onstrution of fountions Dmge use y settlement or movement of me up groun Dmge use y the norml settlement or eing own of new strutures Dmge to soli floor sls or resulting from their movement unless the fountions eneth the externl wlls of the uilings re Dmge t the sme time n from the sme use Dmge to yrs, r prks, ros, pvements, lnlors fixtures n fittings, seurity lighting n mers, wlls, gtes fenes, fixe fuel oil tnks n fixe iesel tnks, piping, uting, les, wires n ssoite ontrol gers n essories, pve res or footpths unless uiling insure y this Setion is mge y the sme use t the sme time Dmge whih origintes prior to the ineption of this over Dmge use y emolition, onstrution, struturl ltertion or repir to ny Builings or grounworks or exvtion t the sme Premises j Events 1, 2, 5, 6 or 8. Susiene Conition The Insure shll notify the Insurer immeitely they eome wre of ny emolition, grounworks, exvtion or onstrution eing rrie out on the sme or ny joining site. The Insurer shll then hve the right to vry the terms or nel over in respet of susiene, groun heve or lnslip. 13 Aientl mge, exluing e f Dmge use y or onsisting of or rising from or ttriutle to i ny of the Events ii ny of the exlusions to the Events speifie in Events 1 to 12 n 14, whether Events 1 to 12 n 14 re insure or not Dmge use y or onsisting of inherent vie, ltent efet, grul eteriortion, wer n ter, frost, its own fulty or efetive esign or mterils ut this shll not exlue Dmge whih itself results from use not otherwise exlue Dmge use y or onsisting of fulty or efetive workmnship, opertionl error or omission y the Insure or ny employee of the Insure ut this shll not exlue i suh Dmge not otherwise exlue whih itself results from n Insure Event ii susequent Dmge whih itself results from use not otherwise exlue ts of fru or ishonesty y ny prtner, iretor or employee of the Insure ut this shll not exlue suh Dmge not otherwise exlue whih itself results from Events 1 to 12 n 14 Dmge use y or onsisting of orrosion, rust, wet or ry rot, shrinkge, evportion, loss of weight, mpness, ryness, mrring, srthing, vermin or insets, hnge in temperture, olour, flvour, texture or finish ut this shll not exlue i suh Dmge not otherwise exlue whih itself results from Events 1 to 13 n 14 ii susequent Dmge whih itself results from use not otherwise exlue Dmge onsisting of joint lekge, filure of wels, rking, frturing, ollpse or overheting of oilers, eonomisers, super-heters, pressure vessels or ny rnge of stem n fee piping onnete to them, mehnil or eletril rekown or erngement in respet of the prtiulr mhine, pprtus or equipment in whih suh rekown or erngement origintes ut this shll not exlue i suh Dmge not otherwise exlue whih itself results from Events 1 to 13 n 14 ii susequent Dmge whih itself results from use not otherwise exlue 11

14 Complete Property Owner Poliy Woring Setion 1 Property Dmge (ontinue) g h i j k Dmge use y ispperne, unexpline or inventory shortge or the misfiling or mispling of informtion Dmge to ny Builing or struture use y its own ollpse or rking, ut this shll not exlue suh estrution or mge resulting from other Dmge in so fr s it is not otherwise exlue Dmge in respet of fenes, gtes n movele Property in the open use y win, rin, hil, sleet, snow or ust Dmge resulting from Property Insure unergoing ny proess of proution, pking, tretment, testing, ommissioning, servie or repir Dmge in respet of i jewellery, preious stones or preious metls, ullion, furs, uriosities, works of rt or rre ooks ii Property in trnsit iii glss (other thn fixe glss), snitrywre (other thn fixe snitrywre), hin, erthenwre, mrle or other frgile or rittle ojets ut this shll not exlue Dmge whih itself results from Events 1 to 12 n 14 in so fr s it is not otherwise exlue iv Money, ons or seurities of ny esription Bsis of Settlement The Insurer will py the Insure the vlue of the Property Insure t the time of its loss or estrution, or the mount of the Dmge, or t the Insurer s option will reinstte or reple suh Property or ny prt of suh Property. The most the Insurer 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 the mount of the Sum Insure or Limit of Liility remining fter eution for ny other Dmge ourring uring the sme Perio of Insurne, unless the Insurer grees to reinstte ny suh Sum Insure or Limit of Liility. Automti Reinsttement In the sene of written notie y the Insurer to the ontrry, in onsiertion of Sums Insure or Limits of Liility not eing reue y the mount of ny lim, the Insure will py the pproprite itionl premium on the mount of the lim from the te of Dmge to expiry of the Perio of Insurne, ut this shll not pply in respet of theft or ttempte theft. l Dmge to i vehiles liense for ro use (inluing essories on them), rvns, trilers, rilwy loomotives, rolling stok, wterrft or irrft ii Property or strutures in ourse of onstrution or eretion n mterils or supplies in onnetion with ll suh Property or strutures iii ln, ros, pvements, piers, jetties, riges, ulverts or exvtions iv livestok, growing rops or trees ut this shll not exlue suh Property speifilly esrie in the Sheule 14 Espe of Oil from ny fixe heting instlltion exluing Dmge in respet of ny Builing or Property Insure in ny Builing whih is Unoupie Dmge unless use y suen ientifile s tken ple in its entirety t speifi time n ple uring the Perio of Insurne the vlue of the oil Bsis of Settlement Ajustments In lulting the most the Insurer will py for ny one lim, justments shll e me in orne with the following luses. 1 Reinsttement (Dy One Bsis) Sujet to the Speil Conitions set out elow, the sis on whih the mount pyle for Builings n Contents is to e lulte will e the reinsttement of the Property lost, estroye or mge. For this purpose "reinsttement" mens i the reuiling or replement of Property lost or estroye whih, provie the Insurer s liility is not inrese, my e rrie out in ny mnner suitle to the requirements of the Insure on nother site ii the repir or restortion of Property mge in either se to onition equivlent to, or sustntilly the sme s, ut no etter or more extensive thn its onition when new. 12

15 Complete Property Owner Poliy Woring The Delre Vlue (shown in rkets elow the Sum Insure in the Sheule), hving een stte y the Insure, hs een use to lulte the premium. Delre Vlue The ssessment y the Insure of the ost of reinsttement of Property Insure rrive t in orne with prgrph 1..i. t the level of osts pplying t ineption of the Perio of Insurne (ignoring infltionry ftors whih my susequently operte), together with, to the extent tht over provies, ue llowne for i ii iii ny itionl ost of reinsttement to omply with puli uthorities regultions, ye-lws or stipultions Professionl Fees Removl of Deris osts. Speil Conitions 1 At ineption of eh Perio of Insurne, the Insure shll notify the Insurer of the Delre Vlue of Property Insure. In the sene of suh elrtion the lst mount elre y the Insure will e tken s the Delre Vlue for the new Perio of Insurne, ppropritely juste y Inex Linking. 2 If t the time of Dmge the Delre Vlue of the Property is less thn the ost of reinsttement (s efine in prgrph 1..i.) t ineption of the Perio of Insurne, the mount pyle y the Insurer will e proportiontely reue. 3 The Insurer s liility for the repir or restortion of Property mge in prt only, shll not exee the mount whih woul hve een pyle if suh Property h een wholly estroye. 4 No pyment eyon the mount the Insurer woul hve pi in the sene of this luse will e me unless reinsttement ommenes n proees without unresonle ely until the ost of reinsttement hs tully een inurre where Property Insure t the time of Dmge is overe y ny other insurne effete y the Insure, or on ehlf of the Insure, whih is not on the sme sis of reinsttement. 5 All the terms n onitions of this Setion n of the Poliy shll pply to ny lim pyle uner the provisions of this luse, other thn where they re expressly vrie y the terms of this luse where lims re pyle s if this luse h not een inorporte, exept tht Sums Insure will e limite to 115% of Delre Vlues. 2 Inex Linking Sums Insure n/or Delre Vlues will e juste to tke into ount movements in the pproprite inex n renewl premiums will e se on the juste Sums Insure n/or Delre Vlues. For Builings, the Generl Builing Cost Inex issue y the Builing Cost Informtion Servie of the Royl Institute of Chrtere Surveyors or for resientil Premises the Househol Reuiling Cost Inex issue y the Assoition of British Insurers (or some other suitle inex the Insurer eies upon) will e use. For Contents of Common Prts n All Other Contents shown n/or esrie in the Sheule, the Retil Prie Inex (or some other suitle inex the Insurer eies upon) will e use. The ove perentge hnges will ontinue to e pplie etween the te of ny Dmge n the te when replement or repir hs een omplete. 3 Averge (Unerinsurne) The Sums Insure y ny items for Builings or Contents sujet to the Reinsttement (Dy One Bsis) Cluse re elre to e seprtely sujet to Averge s esrie in Speil Conition 2 of suh luse ny other items of Property Insure (other thn ny Sum Insure pplying solely to Rent, Fees, Removl of Deris) re elre to e seprtely sujet to Averge. This mens if t the time of Dmge the Sum Insure for ny item is less thn the vlue of the item overe y suh Sum Insure, the mount pyle y the Insurer will e proportiontely reue. 4 Contriution n Averge If t the time of Dmge ny other insurne hs een effete y or on ehlf of the Insure overing ny of the Property lost, estroye or mge, the Insurer s liility uner this Setion shll e limite to the Insurer s rtele proportion of suh Dmge. If suh other insurne is sujet to Averge (Unerinsurne), this Setion if not lrey sujet to Averge shll e sujet to Averge in like mnner. 13

16 Complete Property Owner Poliy Woring Setion 1 Property Dmge (ontinue) If suh other insurne is sujet to ny provision whih exlues it from rnking onurrently with this Setion, either in whole or in prt, or from ontriuting rtely, the liility of the Insurer uner this Setion shll e limite to tht proportion of the Dmge whih the Sum Insure for this Setion ers to the vlue of the Property. 5 Puli Authorities (inluing unmge Property) Sujet to the Speil Conitions set out elow, over for Builings n Contents inlues n mount in respet of ny itionl ost of reinsttement whih is inurre solely y reson of the neessity to omply with uiling or other regultions uner or frme in pursune of ny At of Prliment, with yelws of ny puli uthority or to omply with the stipultions of Europen Union legisltion, in respet of lost, estroye or mge Property unmge portions of suh Property exluing the ost inurre in omplying with suh regultions, yelws or stipultions i in respet of Dmge ourring prior to the grnting of this over ii in respet of Dmge not overe y this Setion iii uner whih notie hs een serve upon the Insure efore the te of the Dmge iv in respet of unmge Property other thn unmge portions of Property lost, estroye or mge the itionl ost tht woul hve een require to mke goo the Property lost, estroye or mge to onition equl to its onition when new, h the neessity to omply with suh regultions, ye-lws or stipultions not risen the mount of ny 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 Conitions 1 The work of reinsttement must e ommene n rrie out without unresonle ely n in ny se must e omplete within twelve months fter the Dmge, or within suh further time s the Insurer my llow, n my e rrie out upon nother site (if suh regultions, ye-lws or stipultions so neessitte), sujet to there eing no resulting inrese in the liility of the Insurer. 2 If the liility of the Insurer is reue y the pplition of ny of the terms n onitions of this Setion or of the Poliy (other thn s result of this luse) the liility of the Insurer uner this luse will e reue in proportion. 3 The most the Insurer will py for ny one lim in respet of unmge portions of Property other thn fountions is 15% of the totl mount for whih the Insurer woul hve een lile h the Property een wholly estroye. 4 All the terms n onitions of this Setion n of the Poliy shll pply to ny lim pyle uner the provisions of this luse, other thn where they re expressly vrie y the terms of this luse. 6 Sprinkler Instlltion Upgring Costs If, following Dmge, the Insurer requires the upgring of ny utomti sprinkler instlltion in orer tht t the time of its reinsttement suh instlltion will onform to Loss Prevention Counil Rules urrent t the time of reinsttement, the Insurer will py the osts inurre y the Insure provie tht t the time of the Dmge the instlltion onforme to the 29th Eition Rules for Automti Sprinkler Instlltions issue y the Loss Prevention Counil t the time of originl instlltion ut i not onform to susequent menments to suh rules. 7 Altertions n Aitions To the extent tht they re not otherwise insure, Builings n Contents items inlue ltertions, itions n improvements (ut not ppreition in vlue in exess of Sums Insure) to Builings n Contents ny newly quire or newly erete Builings n Contents within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns, for no more thn 20% of the Sum Insure for eh item overe, or 500,000 in totl, 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 the Insurer within ninety ys of the ommenement te of the Insure s responsiility, effet speifi over retrospetive to suh te n py the pproprite itionl premium. 8 Professionl Fees Sums Insure n/or Delre Vlues for Builings inlue n mount in respet of Arhitets, Surveyors, Legl n Consulting Engineers fees, other thn where n item overing suh fees is speifilly shown in the Sheule. Cover pplies only to those fees neessrily n resonly 14

17 Complete Property Owner Poliy Woring inurre in onsequene of Dmge, in the reinsttement or repir of Property Insure. 9 Removl of Deris Costs Sums Insure n/or Delre Vlues for Builings n Contents inlue n mount in respet of removl of eris osts, other thn where n item overing suh osts is speifilly shown in the Sheule. Cover pplies only to those osts neessrily n resonly inurre in onsequene of Dmge, in removing eris ismntling n emolishing shoring up or propping lering, lening n/or repiring rins, gutters, sewers n the like for whih the Insure re responsile. The Insurer will not py for ny osts or expenses inurre in removing eris other thn from the site of suh Property lost, estroye or mge n the re immeitely jent to suh site rising from pollution or ontmintion of property not insure y this Setion. 10 Removl of Deris Costs Tennts Contents To the extent tht they re not otherwise insure, over inlues unreoverle osts neessrily inurre with the Insurers onsent, in onsequene of Dmge, in removing eris in respet of Contents for whih the Insure re not responsile, up to n mount of 5,000 ny one lim. The Insurer will not py for ny osts inurre in removing eris other thn from the site of suh Property Dmge n the re immeitely jent to suh site rising from pollution or ontmintion of property not overe y this Setion. 11 Temporry Removl Property Insure is overe whilst temporrily remove for lening, renovtion, repir or similr purposes to ny ress elsewhere thn t the Premises, inluing whilst in trnsit, within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns. The Insurer will not py for suh Property more speifilly insure Dmge to vehiles liense for ro use, in so fr s they re insure y this Setion, ourring elsewhere thn t the Premises more thn 10% of the Sum Insure for eh item overe, for Dmge ourring elsewhere thn t the Premises. 12 Temporry Removl Douments If ees n other ouments (inluing stmps on them), mnusripts, plns n writings of every esription, ooks n other usiness reors re inlue in the Property Insure, suh items re overe whilst temporrily remove to ny ress elsewhere thn t the Premises, inluing whilst in trnsit within Gret Britin, Northern Ireln, the Isle of Mn or the Chnnel Islns. The Insurer will not py for suh items more speifilly insure more thn 10% of the figure stte within the efinition of All Other Contents for omputer systems reors more thn 10% of the All Other Contents Sum Insure on the Sheule. 13 Contrting Purhsers The Insurer grees tht without prejuie to the rights n liilities of the Insure or the Insurer, if t the time of Dmge the Insure hve ontrte to sell their interest in ny uiling overe, n the purhse hs not een ut shll fterwrs e omplete, the purhsers on ompletion of the purhse shll e entitle to enefit uner this Setion until ompletion, exept in so fr s suh uiling is more speifilly insure y or on ehlf of the purhser. 14 Fixe Glss Following Dmge to fixe glss the Insurer will py the ost of ny neessry temporry oring-up of roken glss pening full replement removing n re-fixing winow fittings n other ostles to repling roken glss n repling lrm foil on glss Dmge to frmework n to Contents use y roken glss. The Insurer will not py for Dmge existing prior to ineption of this Poliy. 15 Freeholers, Lessors n Mortggees When the interest of ny Freeholer, Lessor or Mortggee hs een note in Property Insure overe y this Setion, the Insurer grees tht this Setion shll not e invlite y ny t, omission, ltertion or neglet of or y the Leseholer, Lessee or Mortggor unknown to or eyon the ontrol of the Freeholer, Lessor or Mortggee, y whih the risk of Dmge is inrese, provie tht the Freeholer, Lessor or Mortggee shll give 15

18 Complete Property Owner Poliy Woring Setion 1 Property Dmge (ontinue) notie to the Insurer (n py n itionl premium if require) immeitely they eome wre of suh t, omission, ltertion or neglet. 16 Loks n Keys The Insurer will py the ost of repling loks n keys of oors n winows for whih the Insure re responsile, suh osts eing neessrily inurre to keep the Premises seure if keys re stolen using fore n violene, up to n mount of 2,500 ny one lim. 17 Fire Extinguishers, Sprinklers n Seurity Equipment The lnsurer will py the resonle osts inurre y the lnsure in re-filling, rehrging or repling ny fire extinguishers, lol or fixe fire suppression or gs flooing systems, sprinkler instlltions n sprinkler hes hving ny fire n/or intruer lrms n lose iruit television equipment re-set in onsequene of Dmge, provie tht i the Insure mintin ll suh equipment uner ontrt n in orne with the mnufturer s instrutions with mintenne ompny eptle to the Insurer ii the Insurer shll not e lile in respet of ny osts n expenses reoverle from the mintenne ompny from the fire servie iii the liility of the Insurer in respet of ny one lim shll not exee 10, Lnspe Grouns n Emergeny Vehiles Costs inurre y the Insure in onsequene of Dmge to Property Insure t the Premises in restoring lnspe grouns to their originl pperne when first li out n plnte, ut exluing osts rising ue to the filure of trees, shrus, plnts, turf n the like to germinte or eome estlishe reinstting or repiring lnspe grens n grouns following mge 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 19 Metere Supplies Cover inlues itionl wter, gs, eletriity or other metere supply hrges inurre y the Insure in onsequene of Dmge, n for whih the Insure re leglly responsile, up to n mount of 5,000 ny one lim, n 10,000 ny one Perio of Insurne. The Insurer will not py for suh hrges inurre in respet of ny Builing whih is Unoupie for perio exeeing 30 onseutive ys. The sis on whih the mount pyle is to e lulte will e the mount of the suppliers hrges for the perio following the Dmge, less the hrge pi y the Insure for the orresponing perio in the preeing yer, juste for hnges in the suppliers hrges n for vritions ffeting supply onsumption y the Insure. 20 Unuthorise Use of Supplies Cover inlues the ost of wter, gs, eletriity or other metere supply hrges inurre y the Insure n for whih the Insure re leglly responsile, up to n mount of 5,000 ny one lim, ue to unuthorise use y persons tking possession of, keeping possession of or oupying ny Builing without the written onsent of the Insure, provie tht the Insure shll tke ll prtile steps to terminte suh unuthorise use s soon s it is isovere Poliy Conition 13 hs een omplie with y the Insure immeite notifition of suh possession is given to the Insurer upon the Insure eoming wre of it. 21 Tre n Aess In the event of Dmge in onsequene of espe of wter or fuel oil from ny tnk, pprtus or pipe, the Insurer will py the osts neessrily n resonly inurre y the Insure in loting the soure of suh Dmge, 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. 22 Alterntive Resientil Aommotion If s result of insure Dmge resientil Builings or prts of resientil Builings re renere unfit to live in, or ess to them is enie, to the extent tht they re not otherwise insure the Insurer will py the osts of resonle lterntive ommotion n temporry storge of resients furniture n the osts of resonle ommotion in kennels n/or tteries for resients ogs n/or ts, if ogs n/or ts re not permitte in suh resients lterntive ommotion. The Insurer will not py for suh osts in exess of 20% of the Builings Sum Insure pplying to the Builings or to the prts of the Builing Dmge. 16

19 Complete Property Owner Poliy Woring 23Contrtors Interest When the Insure is require y the terms or onitions of ny ontrt to over Builings in the joint nmes of the Insure n of ny ontrtor or su-ontrtor nme in suh ontrt, the Insurer grees to note suh joint interests provie tht the Insure shll notify the Insurer of etils of ny single ontrt vlue t 100,000 or more in vne of ommenement of the work, n py ny itionl premium the Insurer my require. 24 Contrt Works Cover for Builings n Contents inlues ny permnent or temporry works unertken in performne of ny ontrt, inluing ll unfixe mterils n goos elivere to or ple on or jent to the Premises n intene for inorportion in suh Contrt Works, ll for whih the Insure re responsile uner the terms of the ontrt up to n mount of 100,000 ny one ontrt. 25 Seventy Two (72) Hours Cluse Dmge ourring within Seventy Two (72) onseutive hours of n rising from Event 7 is eeme to e one lim. The Insure hve the right to selet the moment from whih the Seventy Two (72) hour perio shll e eeme to hve ommene within the terms of this Setion, provie tht suh Dmge ourre prior to expiry of the Perio of Insurne. Setion Exlusions The Poliy Exlusions pply to this Setion n in ition the Insurer will not py for: 1 Pollution or Contmintion Loss, estrution or mge use y pollution or ontmintion, ut the Insurer will py for Dmge not otherwise exlue use y pollution or ontmintion whih itself results from n insure Event ny insure Event whih itself results from pollution or ontmintion. 2 Mrine Poliies Property whih t the time of the hppening of Dmge is insure y or woul ut for the existene of this Setion e insure y ny mrine poliy or poliies, ut the Insurer will py ny exess eyon the mount whih woul hve een pyle uner suh mrine poliy or poliies h this Setion not een effete. 3 Computer Dte Reognition 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 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 Property Dmge only the insurne will py for ny susequent Dmge whih is not otherwise exlue n whih itself results from Events 1 to 8 of Setion 1 Property Dmge. 4 Speifi Insurnes Any Property more speifilly insure y or on ehlf of the Insure. 5 Works of Art Dmge to pinting, prints n works of rt with vlue in exess of 5,000 ny one item. 6 Consequentil Loss Consequentil loss of ny kin or esription. 7 Moile Phone Msts Dmge use y n use to moile phone msts erete on the Premises. 8 Eletril Apprtus or Fittings Dmge to ny prtiulr piee of eletril pprtus or fitting whih hs use fire ue to self ignition, over running, exessive pressure, short iruiting, self heting or lekge of eletriity 9 Exess The mount of Exess speifie in the Sheule. 17

20 Complete Property Owner Poliy Woring Setion Conitions The Poliy Conitions pply to this Setion n in ition the following: 1 Altertion Unless the Insurer grees in writing, over uner this Setion shll e voie for ny of the Property Insure in regr to whih there is ny ltertion fter the ommenement of this insurne where the Business is woun up or rrie on y liquitor or reeiver or permnently isontinue where ny ltertion is me in the Business or in the Premises or property in them whih inreses the risk of n Event s insure y this Setion where the interest of the Insure eses other thn y eth in respet of susiene, groun heve or lnslip y ny emolition, onstrution, groun works or exvtion work eing rrie out on ny joining site. 2 Reinsttement If ny property is to e reinstte or reple y the Insurer, the Insure shll t their own expense provie ll plns, ouments, ooks n informtion s my resonly e require. The Insurer shll not e oun to reinstte extly, ut only s irumstnes permit, n in resonly suffiient mnner, n shll not in ny se e oun to expen for ny one item of this Setion more thn its Sum Insure. 3 Felt Roof Conition If ny Builing hs felt roof where the minerl felt surfe hs not een reple for seven yers, then this roof must e inspete nnully y ompetent roofing ontrtor prior to the month of Otoer eh yer n eviene of suh inspetion n ny remeil work following suh inspetion shoul e kept n proue if requeste y the Insurer. 18