Motor Trade Insurance Policy Document

Transcription

1 Motor Trde Insurne Poly Doument Generl Insurng Cluse Ths Poly, the Sttement of Ft, the Shedule (nludng ny Shedule ssued n ddton or susttuton) nd ny Endorsements or Memornd shll e onsdered one doument nd ny word or expresson to whh spef menng hs een tthed shll er suh menng wherever t ppers. The Insured nmed n the Shedule: 1 hvng mde to the Insurers Sttement of Ft nd/or hvng provded to the Insurers nformton, the truth of the representtons, delrtons nd nformton ontned theren eng greed to e the ss of ths Insurne nd to e onsdered norported heren; nd, 2 hvng pd or greed to py the Premum; the Insurers herey ound shll y pyment, or t ther opton y rensttement or repr, ndemnfy the Insured to the extent herefter desred n respet of loss, destruton or dmge, dent or Injury ourrng durng the Perod of Insurne sujet to the lmts, terms, ondtons nd exlusons ontned heren or endorsed hereon. Clms proedure If ny ndent ours whh mght result n lm wthn ordnry offe hours (9m to 5pm), You must mmedtely ontt the Insurers v Your nsurne roker or other ntermedry who wll e le to dvse You. There s lso dedted emergeny out of offe hours notfton of loss phone lne: You should refer to Generl Condton 11 on pge 63 for full detls of the lms proedure nd ondtons. Sgned y Dne Douetl, Chef Exeutve on ehlf of Brt Insurne Lmted Brt Insurne Lmted Regstered n Englnd nd Wles numer t 55 Bshopsgte, London EC2N 3AS Authorsed nd regulted y the Fnnl Serves Authorty Memer of the Assoton of Brtsh Insurers A susdry of Brt Insurne Holdngs PLC MTV1 Motor Trde Insurne 1

2 Poly Informton for the Polyholder Not formng prt of ths Insurne Poly Ths Poly hs een prepred n ordne wth Your nstrutons. It s legl ontrt. Plese red t refully to ensure tht t s n ordne wth You requrements nd tht You understnd ts lmts, terms, ondtons nd exlusons. The nsurne roker or other ntermedry who rrnged ths Insurne should e ontted mmedtely f ny orreton s neessry. Ths Poly onssts of: the Generl Insurng Cluse whh explns the ss on whh over s provded; the Shedule, whh sttes who s the Insured, the Busness eng overed nd other prtulrs, suh s the Perod of Insurne nd detls of whh Setons re opertve. It lso shows suh detls s the property or ourrenes nsured, lmts of llty, nd mtters nd mounts for whh the Insured s responsle; Defntons, whh defne prtulr words nd expressons pplyng to the whole of ths Poly or, where speflly stted, pplyng to prtulr Seton; the Setons of the Poly whh gve prese detls of the over eng provded; the Generl Condtons nd Generl Exlusons of over pplyng to the whole of ths Poly or, where speflly stted, pplyng to prtulr Seton; ny Endorsement(s) whh mght pply to the Poly or ndvdul Setons, whh norporte extensons, lmttons, mendments, nd suh lke. You should mmedtely notfy the Insurers v Your nsurne roker or other ntermedry of ny hnges whh my ffet the nsurne provded y ths Poly. Altertons n the over requred fter ssue of the Poly wll e onfrmed y seprte Shedule(s) nd/or Endorsement(s) whh You should fle wth the Poly. You should refer to these Shedules nd/or Endorsement(s) nd the Poly to sertn prese detls of over urrently n fore. Motor Trde Insurne 2

3 Contents Pge 1 Generl Insurng Cluse nd Clms Proedure 2 Poly Informton for the Polyholder 4 Generl Defntons 13 Seton 1 Rod Rsks 18 Seton 2 Property Dmge All Rsks 27 Seton 3 Busness Interrupton All Rsks 34 Seton 4 Spefed Busness Equpment All Rsks 35 Seton 5 Money nd Personl Adent Assult 38 Seton 6 Goods n Trnst 40 Seton 7 Terrorsm 41 Seton 8 Employers Llty 42 Seton 9 Pul Llty 45 Seton 10 Produts Llty 49 Seton 11 Group Personl Adent 51 Seton 12 Legl Expenses 60 Generl Condtons 67 Generl Exlusons 69 Further Informton Motor Trde Insurne 3

4 Generl Defntons These Defntons re pplle to the whole Poly or, where speflly stted, to prtulr Seton of the Poly wherever the words pper n tls strtng wth ptl letter. These Defntons re sujet to the terms, ondtons, lmts nd exlusons of the Poly. A Aessory mens: 1 Audo Equpment, sfety equpment nd mnufturers tool kts whh re prt of the Insured Vehle s orgnl equpment nd permnently ftted n ordne wth the vehle mnufturer s spefton. Mole phones whh operte ndependently through ther own ttery pk re not essores wthn ths defnton; 2 lloy wheels up to lmt of 1,000 ny one vehle elongng to ny ustomer of the Insured or Insured Vehle. Adent [Seton 11] mens sngle, sudden nd unexpeted event y volent, externl nd vsle mens, whh ours t n dentfle tme nd ple nd nludes exposure resultng from mshp to onveyne n whh the Insured Person s trvellng. Addtonl Insured mens: 1 the personl representtves of the Insured n respet of legl llty nurred y the Insured gnst legl llty n respet of whh the Insured would hve een enttled to ndemnty under ths Poly f the lm for whh ndemnty s sought hd een mde gnst the Insured; 2 the offers, ommttees nd memers of the Insured s nteen, sol, sports nd welfre orgnstons nd frst d, fre, medl nd seurty serves n ther respetve ptes s suh; 3 ny dretor or prtner of the Insured or Person Employed n respet of prvte work undertken y ny Person Employed for suh dretor, prtner or Person Employed wth the pror onsent of the Insured; eh of whom shll s f they were the Insured e sujet to the lmts, terms, ondtons nd exlusons ontned n ths Poly so fr s they n pply. Ar Trvel [Seton 11] mens eng n or on or ordng n rrft for the purpose of flyng theren or lghtng therefrom followng flght. Anllry Equpment mens equpment solely used for the spef purpose of retng sutle opertng envronment for Computer Equpment, nludng r ondtonng equpment, genertng equpment, voltge regultng equpment, temperture nd humdty reordng equpment, eletron ess equpment, het nd smoke deteton equpment nd omputer room prttonng. Annul Rent Reevle mens Rent Reevle durng the 12 (twelve) months mmedtely efore the dte of the Indent. Annul Rent Reevle nd Stndrd Rent Reevle re sujet to suh djustments s my e neessry to provde for the trend of the Busness nd for vrtons n or other rumstnes ffetng the Busness, ether efore or fter the dte of the Indent or whh would hve ffeted the Busness hd the Indent not ourred, so tht the fgures thus djusted shll represent s nerly s my e resonly prtle the results whh ut for the Indent would hve een otned durng the reltve perod fter the dte of the Indent. Annul Turnover mens the Turnover durng the 12 (twelve) months mmedtely efore the dte of the Indent. Rte of Gross Proft, Stndrd Turnover nd Annul Turnover re sujet to suh djustments s my e neessry to provde for the trend of the Busness nd for vrtons n or other rumstnes ffetng the Busness, ether efore or fter the dte of the Indent or whh would hve ffeted the Busness hd the Indent not ourred, so tht the fgures thus djusted shll represent s nerly s my e resonly prtle the results whh ut for the Indent would hve een otned durng the reltve perod fter the dte of the Indent. Any One Clm mens ll lms or legl proeedngs rsng from the sme orgntng use or seres of events or ourrenes ttrutle to one orgntng use. Apponted Representtve mens soltor, rrster or other pproprtely qulfed person pponted to t n the nme of nd ehlf of the Insured n ordne wth the terms, ondtons, lmttons, provsos nd exlusons of ths Poly. Aspet Enqury mens n enqury y HM Revenue & Customs nto the Insured s usness self-ssessment return followng the ssue of forml Note under S9A or S12AC of the Txes Mngement At 1970 or under S24 (1) Shedule 18 Fnne At Motor Trde Insurne 4

5 Assult mens tul or ttempted physl ssult, roery or hold-up. Audo Equpment mens ny udo nd/or vsul reproduton equpment nludng stellte nvgtonl ds, trff lert systems whh forms prt of the Insured Vehle s orgnl spefton nd s permnently ftted n ordne wth the vehle mnufturer s spefton. The term Audo Equpment does not nlude portle equpment suh s mole telephones, wlkmns, personl omputers, gmng onsoles, televsons or ny smlr equpment. Audtor s Fees mens neessry nd resonle fees pyle y the Insured to ts udtors or professonl ountnts for produng suh prtulrs or detls ontned n the Insured s ooks of ount or other usness douments, or suh other proofs, nformton or evdene s my e requred y the Insurers. Awrds of Compenston mens Bs nd Compenstory Awrds mde gnst the Insured y n Employment Trunl or pyments n settlement of suh lms mde wth the Clms Admnstrtor s pror wrtten onsent, ut not nludng Addtonl Awrds, Spel Awrds, Interm Relef, rrers of py, dmges under the Equl Py At, or dmges rsng out of flure to omply wth wrds n respet of rensttement or reenggement. Awrds of Compenston does not nlude ny fne or wrd of dmges nurred for delertely vodng pyment or llty under sttutory requrements. Nor does t nlude ny redundny pyment or mones due or properly pyle rsng from olgtons under ontrt of employment, serve greement or relted doument norported nto the terms of ontrt of serve. B Beneft mens the mount pyle under the Shedule of Compenston n Seton 4B Personl Adent Assult. Bodly Injury [Seton 11] mens odly njury whh: 1 s sustned y the Insured Person durng the Perod of Insurne; 2 s used y n Adent; nd 3 solely nd ndependently of ny other use osons the deth or dslement of the Insured Person wthn 24 (twenty-four) lendr months from the dte of the Brekge Adent. Bodly Injury does not nlude skness or dsese or ny nturlly ourrng ondton or degenertve proess or the result of grdully opertng use. mens dentl frture extendng through the entre thkness of the Glss or Sntry Fttngs. Brekdown mens the flure of ny prt or ll of the Computer Equpment owned, lesed, hred or rented y the Insured. Brt Advsory Serve mens the 24 hour legl nd txton telephone dvsory serve provded y Brt n onjunton wth Seton 12 Legl Expenses only. Buldng(s) mens: 1 the Buldng(s) stuted t the Premses eng onstruted of rk, stone or onrete nd roofed wth sltes, tles, onrete, metl or sestos unless otherwse greed y the Insurers; nd 2 lndlord s fxtures nd fttngs n or on the sd Buldng(s) whh re the property of or lesed to the Insured. Unless more speflly nsured, Buldng(s) lso nludes: d e nnexes nd Outuldngs; tennts mprovements; onveyors, trunks, lnes, wres, serve ppes nd smlr property on the Premses nd extendng to the pul mns; wlls, gtes nd fenes; r prks, yrds, rodwys nd smlr surfes djent to the Buldng(s); whh re the property of the Insured or for whh the Insured s leglly responsle. Buldng(s) n the ourse of onstruton re exluded. Busness mens the usness of the Insured s stted n the Shedule. [Setons 8, 9 nd 10] mens the usness of the Insured s stted n the Shedule, whh shll nlude: Motor Trde Insurne 5

6 1 the ownershp, repr, mntenne nd deorton of the Insured s Premses; 2 the provson nd mngement of nteen, sol, sports nd welfre orgnstons for the eneft of ny Person Employed nd frst d, fre, medl nd seurty serves; 3 prvte work undertken y ny Person Employed for ny dretor, prtner of the Insured or Person Employed wth the pror onsent of the Insured. Busness Hours mens ny perod durng whh the Premses re open for Busness nd ttended y the Insured or ny uthorsed Insured Person. Busness Premses mens ny house, uldng struture or lnd owned, used or ouped y the Insured for upkeep, serve, repr, sle or dsply of ny motor vehle. C Certfte of Insurne mens the evdene n wrtng of the exstene of motor nsurne s requred y lw whh s provded to the Insured n onneton wth ths Poly Doument nd whh forms prt of ths Poly Doument. Any referene n suh Certfte of Insurne to the Poly shll men the nsurne provded under ths Poly Doument. Clms Admnstrtor mens the ompny stpulted n the Shedule or pponted susequently y the Insurers whh dmnsters the lms under Seton 12 of ths Poly on the Insurers ehlf nd to whom ny notfton of lm must e mde. Commerl Vehle mens: 1 ny motor vehle (nludng ts trler whlst tthed) desgned to e used for the rrge of goods; 2 ny mn us wth more thn 8 (eght) (ut not more thn 16 (sxteen)) pssenger sets; nd 3 ny us or oh whh s desgned nd uthorsed to rry more thn 16 (sxteen) pssengers; 4 Items of Plnt/Spel Types. Compenston Awrds mens the Insured s llty for ny judgement mde gnst t under the Dt Proteton At 1998 onernng the nury, loss, destruton or unuthorsed dslosure of dt. Computer Equpment mens Hrdwre, Perpherl Equpment nd Anllry Equpment nludng ny equpment, whh hvng more thn one funton, n e used s Computer Equpment. Computer Reord mens unt of Eletron Dt representng prtulr trnston or nter-relted dt whh desres n event, person or other entty. Consequentl Loss mens loss resultng from nterrupton of or nterferene wth the Busness rred on y the Insured t the Premses n onsequene of dentl loss of or destruton of or dmge to property used y the Insured t the Premses for the purpose of the Busness. Contents mens mhnery, plnt, equpment, engne/vehle dgnost equpment, Computer Equpment, Foreourt Fltes, furnture, fxtures, fttngs, ltertons nd deortons nd ll other ontents, the property of the Insured or held y them n trust for whh the Insured s leglly responsle nd s ontned wthn the Premses. Exludng: 1 Buldng(s); 2 Stok n Trde; 3 Money; 4 douments, mnusrpts nd usness ooks exept for n mount not exeedng 10,000 n respet of the vlue of the mterls s sttonery, together wth the ost of the lerl lour expended n reprodung suh douments, mnusrpts nd usness ooks; 5 Computer Reords exept for n mount not exeedng 25,000 n respet of the vlue of the Dt Med together wth the ost of the lerl lour nd omputer tme expended n reprodung suh reords (exludng ny expenses n onneton wth the produton of nformton to e reorded theren); 6 ptterns, models, moulds, plns nd desgns exept for n mount not exeedng 25,000 n respet of the vlue of the mterls together wth the ost of lour expended n rensttement; 7 the personl effets nludng tools, lothng, nd pedl yles of employees, dretors, prtners nd vstors exept for n mount not exeedng 1,000 n respet of ny one person; Motor Trde Insurne 6

7 8 Glss; 9 motor vehles nd ther essores; 10 wnes, sprts, grettes nd too goods exept for n mount not exeedng 1,000; 11 losed rut televson nd seurty lrm equpment exept for n mount not exeedng 10,000. Contrtng Prty mens ompny, frm or ndvdul who hs dret ontrtul reltonshp wth the Insured. Corrupton mens the loss, dstorton, orrupton or ersure of ny softwre Progrmme(s) or dt formng prt of the Dt Med. D Dmge mens dentl physl loss of, destruton of or dmge to the Property Insured. Dmge to Property mens physl loss of, destruton of or dmge to mterl property. Dt Med mens dt rryng mterls of ll types (other thn pper reords) oth urrent nd k-up norportng ny stored Progrmme(s) nd/or Eletron Dt tht s the property of the Insured or s lesed, hred, rented or lensed to the Insured. Ders Removl mens osts nd expenses neessrly nd resonly nurred y the Insured wth the pror onsent of the Insurers to: 1 remove ders from; 2 dsmntle nd/or demolsh; 3 shore-up or prop up; the porton or portons of the Property Insured followng Dmge. The Insurers wll not py for ny osts or expenses: 1 nurred n removng ders exept from the ste of the Property Insured nd the re mmedtely djent to suh ste; 2 rsng from polluton or ontmnton of property not nsured y ths Poly. Defned Perl mens fre, lghtnng, exploson, rrft or other erl deves or rtles dropped therefrom, rot, vl ommoton, strkers, loked-out workers, persons tkng prt n lour dsturnes, mlous persons other thn theves, erthquke, storm, flood, espe of wter from ny tnk, pprtus or ppe or mpt y ny vehle or nml. Denl of Serve Attk mens ny tons or nstrutons onstruted or generted wth the lty to dmge, nterfere wth or otherwse ffet the vllty of networks, network serves, network onnetvty or nformton systems. Denl of Serve Attk nludes, ut s not lmted to, the generton of exess trff nto network ddresses, the explotton of system or network weknesses nd the generton of exess or non-genune trff etween nd mongst networks. Due Dte mens the dte on whh mones owed to the Insured eome due nd pyle. E Eletron Dt mens fts, onepts nd nformton onverted to form usele for ommuntons, nterpretton or proessng y eletron nd eletromehnl dt proessng or eletronlly ontrolled equpment nd nludes progrmmes, softwre nd other oded nstrutons for the proessng nd mnpulton of dt or the dreton nd mnpulton of suh equpment. Employee See Person Employed [Seton 12] Employee mens n ndvdul under Contrt of Serve wth the Insured. Endorsement mens hnge n or n ddton to the terms of ths Insurne, whh my overrde or supplement terms, ondtons, extensons or lmttons of the Poly Doument nd whh s endorsed on the Poly Doument y eng noted on the Shedule or tthed s supplementry doument. Estmted Gross Proft mens the mount delred y the Insured to the Insurers s representng not less thn the Gross Proft whh t s ntpted wll e erned y the Busness durng the fnnl yer most nerly onurrent wth the Perod of Insurne (or proportonte to multple thereof where the Mxmum Indemnty Perod vres from 12 (twelve) months). Motor Trde Insurne 7

8 Event mens ny ourrene, nludng the ontnuous or repeted njurous exposure to sustntlly the sme generl ondtons, whh results n dentl Injury or Dmge to Property or Nusne. All Events or seres of Events onsequent upon or ttrutle to one soure or orgnl use shll e regrded s sngle Event for the purposes of ths Poly. Exess [Seton 1] mens the mount of ny lm for whh the Insured retns llty nd whh s not overed y ths Insurne. [Setons 2 to 7] mens the mounts s stted ether n ths Poly wordng or n the Shedule, s pplle, tht re to e deduted from ny loss nd whh mount shll e orne y the Insured. Under Seton 1 of Property Dmge All Rsks ths shll pply to eh loss t eh Premses fter the pplton of ny Averge (undernsurne) Condton. [Setons 8, 9 nd 10] mens the mounts s stted n the Shedule, whh the Insured shll py n respet of ll dmges, ompenston, lmnt s osts, Legl Costs nd expenses efore the Insurers shll e lle to mke ny pyment. The Exess shll pply to eh Event other thn legl llty rsng out of Injury unless otherwse stted n the Shedule. [Seton 12] mens the mount spefed n the Seton tht the Insured must er n Legl Expenses, Professonl Expenses, Awrds of Compenston or Compenston Awrds n respet of Any One Clm efore the Insurers re lle to provde ny ndemnty under ths Poly. F Foreourt Flty mens ny fuel nstllton, ol pump, tnk, net, r or wter tower, vehle wshng nstllton or vendng mhne (exludng the ontents of ny of the foresd tems) n or on the Premses. Fungl Pthogens mens ny fungus or myot or ny y-produt or type of nfestton produed y suh fungus or myot nludng ut not lmted to mould, mldew, myotoxns, spores or ny ogen erosols. G Geogrphl Lmts mens nywhere n the world. Glss mens: 1 fxed glss nd mrrors n or t the Premses; 2 wndow lrm fol, ornmentl glss, letterng nd slverng; 3 fxed externl sgns nludng neon sgns; the property of the Insured or for whh the Insured s responsle. Governng Lw Ths Poly shll e governed y nd onstrued n ordne wth the lws of Englnd nd Wles. Green Crd mens doument (sometmes referred to s n Interntonl Motor Certfte) equvlent whh s epted wthout ny ostle or ost y the uthortes of ll ountres for whh the ndvdul Green Crd s vld. As evdene tht the vstng motorst hs t lest the mnmum ompulsory thrd prty nsurne over requred y the lws of those ountres vsted. Gross Proft mens the mount y whh: 1 the sum of the mount of the Turnover less dsounts llowed nd the mount of the losng stok, fnshed goods, rw mterls nd work n progress, shll exeed; 2 the sum of the mount of the openng stok, fnshed goods, rw mterls nd work n progress nd the mount of Unnsured Workng Expenses. The mounts of the openng nd losng stoks nd work n progress shll e rrved t n ordne wth the Insured s norml ountny methods, due provson eng mde for depreton. H Hkng mens unuthorsed ess to ny omputer or other equpment or omponent or system or tem whh proesses, stores or retreves dt, whether or not the property of the Insured. Hrdwre mens the physl equpment or unts tht mke up the Computer Equpment. I Indent mens loss or destruton of or dmge to property used y the Insured t the Premses for the purpose of the Busness. Motor Trde Insurne 8

9 Inresed Exess mens the mount spefed n Seton 12 Legl Expenses tht the Insured must er n Legl Expenses, Professonl Expenses, Awrds of Compenston or Compenston Awrds n respet of Any One Clm efore the Insurers re lle to provde ny ndemnty under ths Poly where the Insured elets to ppont n Apponted Representtve other thn s suggested y the Clms Admnstrtor. Indemnty Perod mens the perod egnnng wth the ourrene of the Indent nd endng not lter thn the end of the Mxmum Indemnty Perod therefter durng whh the results of the Busness shll e ffeted n onsequene of the Indent. Informton mens proessed dt. Injury mens odly njury, deth, dsese (or skness), llness, nervous shok or mentl njury. [Seton 12] mens odly njury or deth ut does not men ny skness, dsese or nturlly ourrng ondton or degenertve proess. Insured mens the Insured s stted n the Shedule. [Seton 1] mens the prty shown s the Polyholder or Insured n ny Certfte of Insurne or Shedule pplyng to ths Insurne. [Seton 12] mens the ompny, frm or ndvdul spefed n the Shedule nd t the Insured s request ny Employee, dretor or prtner of the Insured. Insured Goods mens goods (sujet to Exluded Property s stted n Seton 6, Exluson 1) ndentl to the Busness whh re the property of the Insured or held y the Insured n trust for whh the Insured s leglly responsle. Contners, trpulns nd ropes elongng to the Insured whlst n or on vehle or trler owned or operted y the Insured re nluded, up to lmt of 250 (two hundred nd ffty pounds) n respet of ll suh tems. Insured Person mens ny prtner, dretor or employee of the Insured whose usul ple of employment s t the Premses or s otherwse stted n the Shedule. Insurers mens Brt Insurne Lmted. Interntonl Motor Certfte See Green Crd Intruder Alrm System mens n eletrl nstllton to detet nd ndte the presene, entry or ttempted entry of n ntruder nto Proteted Premses. Investgton mens: 1 Busness Tx Investgtons the enqury whh tkes ple when HM Revenue & Customs mkes request to exmne ll of the usness ooks nd reords nd ssues forml Note under S9A or S12AC of the Txes Mngement At 1970 or under S24 (1) Shedule 18 Fnne At 1988; or 2 Employer Complne Dsputes the enqures whh tke ple followng n expresson of dsstsfton wth the Insured s PAYE, nd/or NIC ffrs followng n employer omplne vst y HM Revenue & Customs followng n expresson of dsstsfton wth the Insured s P11Ds or P9Ds; or 3 IR35 Dsputes the enqures whh tke ple when HM Revenue & Customs hllenges the sttus of ontrt for serves nd nvokes the IR35 legslton followng ether the ssue of Note under S24(1) Shedule 18 Fnne At 1998 or omplne vst y HM Revenue & Customs; or 4 VAT Dsputes the enqures whh tke ple followng wrtten deson, ssessment or sttement of lleged rrers mde y HM Revenue & Customs nto Vlue Added Tx nd/or Vlue Added Tx defult surhrges nd penltes for norret delrtons. Item of Plnt/Spel Types mens ny self-powered vehle onstruted to operte prmrly s tool of trde nd not desgned prmrly for the rrge of goods or pssengers nd nludes ut s not lmted to fork lft truks, mole rnes, herry pkers nd the lke. Insured Vehle mens ny motor vehle s desred n the Certfte of Insurne erng the numer of ths Poly Doument nd for the purpose of Su-Seton 4 of Seton 1 n tthed trler f pplle. Motor Trde Insurne 9

10 K Keyholder mens the Insured or ny person or keyholdng ompny uthorsed y the Insured who must e vlle t ll tmes to ept notfton of fults or lrm sgnls reltng to the Intruder Alrm System, ttend, nd llow ess to the Premses. L Legl Costs mens: 1 osts of legl representton t: ny oroners nquest or ftl dent nqury n respet of ny deth; proeedngs n ny ourt rsng out of ny lleged reh of sttutory duty resultng n ny Event; whh my e the sujet of ndemnty under Setons 8, 9 nd 10 of ths Poly; 2 ll other legl osts nd expenses n relton to ny Event whh my form the sujet of lm for ndemnty under Setons 8, 9 or 10 of ths Poly; nurred wth the wrtten onsent of the Insurers. Legl Expenses mens 1 fees, expenses nd dsursements nludng Wtness Attendne Allowne resonly nurred y the Apponted Representtve wth the Clms Admnstrtor s wrtten onsent; 2 osts nurred y other prtes to whh the Insured s held lle n ourt or trunl proeedngs to py or whh the Insured grees to py wth the Clms Admnstrtor s wrtten onsent ut exludng ny osts whh the Insured my e ordered to py y ourt of rmnl jursdton followng onvton; 3 fees expenses nd dsursements nludng Wtness Attendne Allowne resonly nurred y the Apponted Representtve wth the wrtten onsent of the Clms Admnstrtor n n ppel of the judgement of ourt or trunl. Loss of Lms mens totl rredeemle nd rreoverle loss of use or loss y physl seprton t or ove the nkle or wrst of one or more lms. Loss of Sght mens totl rredeemle nd rreoverle loss of sght of one or oth eyes. M Mxmum Indemnty Perod mens the numer of months s stted n the Shedule. Mnmum Sum n Dspute mens the mount spefed n the Shedule. Money mens money tht s the property of the Insured or for whh the Insured s leglly responsle tht s ether: 1 negotle nstruments whh must e urrent onge, nk nd urreny notes, unrossed heques, Gro heques, unrossed postl nd money orders, unexpred unts n frnkng mhnes, unused postge stmps, revenue stmps, Ntonl Svngs nd Ntonl Insurne stmps, usness trvel tkets, lunheon nd ustomer redempton vouhers, trdng stmps, holdy-wth-py stmps, lls of exhnge, promssory notes, trveller s heques, dvdend wrrnts, gft tokens, sles vouhers, lnd regstry stmps or telephone rds; or 2 non-negotle nstruments whh must e ny rossed nstrument eng heque, money or postl order, trveller s heque, Gro drft, nker s drft, Ntonl Svngs Certftes, premum onds, redt rds nd reservton vouhers, VAT purhse nvoes, used Ntonl Insurne stmps, stmped Ntonl Insurne rds, redt nd hrge rd ounterfols, or stmped penson rds. N Nusne mens nusne, trespss or nterferene wth ny esement; rght of r; rght of lght; rght of wter; rght of wy. O Ourrene mens ny one loss or seres of losses onsequent upon or ttrutle to one soure or orgnl use. [Seton 7] mens ll ndvdul losses rsng durng ontnuous perod of 72 (seventy two) hours of whh the proxmte use s the sme At of Terrorsm. Motor Trde Insurne 10

11 Offshore mens from the tme of emrkton onto onveyne t the pont of fnl deprture to ny Offshore nstllton, nludng ut not lmted to ny Offshore rg or pltform, whlst on ny Offshore nstllton or support or ommodton vessel for n Offshore nstllton, untl dsemrkton onto lnd upon return from suh nstllton. Outuldngs mens ny uldng tht s susdry to the Buldng(s), whh does not norporte permnent foundtons elow ground level nd whh s not ple of eng properly seured, nludng ut not lmted to ny stle, grge, shed, hut, len-to, greenhouse, hy loft or rn. Outstndng Det Blnes mens the totl outstndng det lnes lst reorded y the Insured efore the dte of the Indent, djusted for: 1 d dets; 2 mounts deted (or nvoed ut not deted) nd redted (nludng redt notes nd sh not pssed through the ooks t the tme of the Indent) to ustomers ounts n the perod etween the dte to whh the lst reord reltes nd the dte of the Indent; 3 ny norml ondton of trde whh hd or ould hve hd mterl effet on the Busness; so tht the fgures thus djusted shll represent s nerly s resonly prtle those whh would hve een otned t the dte of the Indent hd the Indent not ourred. Overnght mens etween 1800 hours nd 0800 hours unless speflly greed y the Insurers. P Pyment n onneton wth Totl Loss mens: 1 pyment mde y the Insurers n full nd fnl settlement of ny lm under Su- Setons 1 or 2 of Seton 1 of ths Insurne where the Insurers regrd the repr of the Insured Vehle to e uneonoml; or 2 where the Insured Vehle s stolen nd not reovered, pyment mde y the Insurers n full nd fnl settlement of the lm under Su-Seton 2 of Seton 1 sed on the urrent mrket/replement vlue of the Insured Vehle; where, s result of suh pyment, the Insurers wll retn the dmged or reovered vehle. Perod of Insurne mens the perod s stted n the Shedule. Perpherl Equpment mens hrdwre not ontned wthn the mn proessng omputer suh s ut not lmted to termnls, modems, lol re network lng nd nfrstruture, seprte storge deves nd other deves tht n e operted under omputer ontrol. Permnent Totl Dslement mens permnent totl dslement whh prevents the Insured Person from enggng n or ttendng to usness of ny knd. Person Employed mens: 1 person under ontrt of serve or pprenteshp wth the Insured; 2 lour mster or lour only su-ontrtor or person suppled y ny of them; 3 self employed person; 4 person hred to or orrowed y the Insured; 5 person undertkng study or work experene; 6 person suppled to the Insured under ontrt or greement, the terms of whh deem suh person to e n the employment of the Insured; 7 voluntry worker or temporry worker; 8 drver or opertor of plnt hred y the Insured under Contrtors Plnt Hre Assoton or smlr ondtons; whle workng under the ontrol of the Insured n onneton wth the Busness. Poly Doument mens ths doument together wth the Sttement of Ft nd the Shedule. Pollutnts mens ny sold, lqud, gseous or therml rrtnt or ontmnnt, nludng ut not lmted to smoke, vpour, soot, fumes, ds, lkls, hemls nd wste. Motor Trde Insurne 11

12 Polluton or Contmnton mens polluton or ontmnton of uldng(s) or other strutures, or of wter or lnd, or the tmosphere nd ll loss or destruton or dmge or Injury dretly or ndretly used y suh polluton or ontmnton. Premses mens the loton(s) s stted n the Shedule or n ny Endorsement(s) used y the Insured for the purposes of the Busness. Premum mens the mount spefed n the Shedule. Prvte Cr mens ny prvte pssenger rryng motor vehle desgned to rry up to eght pssengers. Produt(s) mens ny ommodtes, rtles or thngs nludng pkgng, ontners nd lels sold, suppled, dstruted, ereted, repred, ltered, treted, nstlled, proessed, mnuftured or tested y or on ehlf of the Insured nd no longer n the possesson of, or under the ontrol of, the Insured. Professonl Duty mens ontrtul, tortous or fdury dutes owed to or y the Insured to or y nother ompny, frm or ndvdul n onneton wth the provson of professonl serves or dve. Professonl Expenses mens fees, expenses nd dsursements resonly nurred y the Apponted Representtve wth the wrtten onsent of the Clms Admnstrtor ut does not nlude ny tx or VAT, nterest or penltes demnded ssessed or requred y the relevnt uthorty or other penlty mposed y ourt or trunl. Professonl Fees mens rhtets, surveyors, onsultng engneers nd legl fees neessrly nd resonly nurred wth the Insurers onsent n the rensttement of the Property Insured dretly onsequent upon ts Dmge y n event nsured herey ut not for the preprton of ny lm. The mount pyle for suh fees shll not exeed those uthorsed under the sles of the professonl nsttutons nd/or odes regultng suh hrges prevlng t the tme of the Dmge, nd the mount pyle under ny Item nludng or onsstng of Professonl Fees shll not exeed n totl ts Sum Insured. Progrmme(s) mens the set of nstrutons sgnfnt to the omputer s entrl proessor whh s omposed to enle user to heve the desred result wth dt nput y the user. Property [Seton 12] mens lnd (nludng uldngs thereon) or n nterest n lnd. Property t Exhton mens exhts nludng the stnd, ts furnshngs nd equpment tht s the property of the Insured or held y the Insured n trust for whh the Insured s leglly responsle whlst suh property s t ny exhton or n trnst to or from ny exhton nludng lodng, temporry housng en-route nd unlodng. Property Insured mens the sujet mtter nsured s stted n the Shedule, ut not ntelletul property. Proteted Premses mens the Premses or those portons of the Premses proteted y the Intruder Alrm System. R Rte of Gross Proft mens the Rte of Gross Proft erned on the Turnover durng the fnnl yer mmedtely efore the dte of the Indent. Rte of Gross Proft, Stndrd Turnover nd Annul Turnover re sujet to suh djustments s my e neessry to provde for the trend of the Busness nd for vrtons n or other rumstnes ffetng the Busness, ether efore or fter the dte of the Indent or whh would hve ffeted the Busness hd the Indent not ourred, so tht the fgures thus djusted shll represent s nerly s my e resonly prtle the results whh ut for the Indent would hve een otned durng the reltve perod fter the dte of the Indent. Rent Reevle mens the money pd or pyle to the Insured for ommodton provded n the ourse of the Busness t the Premses. Responsle Person mens the Insured or ny other person uthorsed y the Insured to e responsle for the seurty of the Premses. Rod Trff At mens ny At, Lw or Regulton whh governs the drvng, use or ownershp of ny motor vehle n the Terrtorl Lmts. S Sntry Fttngs mens fxed tems of sntry wre, the property of the Insured, or for whh the Insured s responsle, stuted wthn the Premses. Motor Trde Insurne 12

13 Shedule mens the Shedule of Insurne tthng to nd formng prt of ths Poly. [Seton 1] mens the doument ttled The Shedule whh ontns detls of the Insured, the premum pd nd the over pplle. It wll lso show ny vrtons n the terms of the Insurne nd t my e repled y n mended Shedule when there s hnge n ny detl of ths Insurne. Softwre mens ny Progrmme(s) whh s/re hrtersed s systems nd/or pplton softwre nd whh s/re desgned to nvoke proessng nd/or fltte the wrtng of ny Progrmme(s). Stndrd Rent Reevle mens the Rent Reevle durng tht perod n the 12 (twelve) months mmedtely efore the dte of the Indent whh orresponds wth the Indemnty Perod. Annul Rent Reevle nd Stndrd Rent Reevle re sujet to suh djustments s my e neessry to provde for the trend of the Busness nd for vrtons n or other rumstnes ffetng the Busness, ether efore or fter the dte of the Indent or whh would hve ffeted the Busness hd the Indent not ourred, so tht the fgures thus djusted shll represent s nerly s my e resonly prtle the results whh ut for the Indent would hve een otned durng the reltve perod fter the Indent. Stndrd Turnover mens the Turnover durng tht perod n the 12 (twelve) months mmedtely efore the dte of the Indent whh orresponds wth the Indemnty Perod. Rte of Gross Proft, Stndrd Turnover nd Annul Turnover re sujet to suh djustments s my e neessry to provde for the trend of the Busness nd for vrtons n or other rumstnes ffetng the Busness, ether efore or fter the dte of the Indent or whh would hve ffeted the Busness hd the Indent not ourred, so tht the fgures thus djusted shll represent s nerly s my e resonly prtle the results whh ut for the Indent would hve een otned durng the reltve perod fter the dte of the Indent. Sttement of Ft mens ny nformton suppled y the Insured n onneton wth ths nsurne nd ny delrton mde n onneton therewth y or on ehlf of the Insured or ts gents. Stok n Trde mens stok nd mterls n trde, nludng fnshed stok nd work n progress, the property of the Insured nd goods n trust for whh the Insured s responsle. Stok of Vehles mens stok of vehles, elongng to or n the ustody or ontrol of the Insured, n or on the Premses or on lnd nludng the prvte premses of the Insured or ny dretor, prtner or Person Employed or t ny other ple t whh the Insured s engged n the ourse of the Busness not eng Premses elongng to or n the ustody or ontrol of the Insured. Sum n Dspute mens the sum n dspute etween the Insured nd Contrtng Prty. Sum Insured mens the Sum Insured s stted n the Shedule pplle to the prtulr Item or Seton. T Temporry Prtl Dslement mens temporry dslement entrely preventng the Insured Person from enggng n or ttendng to sustntl prt of ther usul oupton. Temporry Totl Dslement mens temporry dslement entrely preventng the Insured Person from enggng n or ttendng to ther usul oupton. Terrtorl Lmts mens unless expressly stted to the ontrry n ny Seton of ths Poly, the Shedule or ny Endorsement whh my e tthed to ths Poly, Gret Brtn, Northern Irelnd, the Chnnel Islnds nd the Isle of Mn. In respet of Setons 8, 9 nd 10 over s extended to nlude: 1 memer sttes of the Europen Unon; 2 the non-mnul tvtes of ny dretor nd/or prtner of the Insured nd/or Person Employed ordnrly resdent n the terrtores nmed ove, ut temporrly engged n the Busness elsewhere n the world; 3 elsewhere n the world, exludng ny ountry or terrtory whh opertes under the lw of the Unted Sttes of Amer or Cnd, n onneton wth ny Event, rsng out of the Produts. Motor Trde Insurne 13

14 Terrorsm mens n t, nludng ut not lmted to the use of fore or volene nd/or the thret thereof, of ny person or group(s) of persons, whether tng lone or on ehlf of or n onneton wth ny orgnston(s) or government(s), ommtted for poltl, relgous, deologl or smlr purposes, nludng the ntenton to nfluene ny government nd/or to put the pul, or ny seton of the pul, n fer. Totl Loss mens pyment mde y the Insurers s full nd fnl settlement of ny lm under Prts 1 or 2 of ths Insurne where the Insurers regrd the repr of the Insured Vehle to e uneonoml or where the Insured Vehle s stolen nd not reovered. As result of suh pyment the Insurers reserve the rght to retn the dmged vehle (or the stolen vehle n the event of ts reovery fter settlement s mde). Trde Mrket Vlue mens the ost to reple the Insured Vehle whh s the pre the Insured would py t the tme to uy one replement vehle wth the ntenton of sellng t for proft t lter dte. The vehle must e of smlr mke, model, yer, mlege nd ondton. Trler mens ny mplement or mhne whh s speflly onstruted to e towed y motor vehle. Sujet to pror greement wth the Insurers, sem-trlers formng prt of rtulted vehles or drw r trlers re not deemed to e trlers nd nnot form prt of n Insured Vehle. Trnst mens the perod durng whh the Insured Goods re eng: 1 onveyed y or temporrly housed n or upon vehle or trler owned or operted y the Insured; 2 onveyed y or n the hrge of rrer for the purpose of trnsportton y the rrer; 3 onveyed y ny other mens of Trnst stted n the Shedule; 4 loded onto or unloded from the mens of onveyne desred n 1, 2 or 3 ove; nywhere wthn the Terrtorl Lmts, nludng se nd r trnsts theren. Turnover mens the money pd or pyle to the Insured for goods sold nd delvered nd for serves rendered n the ourse of the Busness t the Premses. U Unttended mens not under the dret supervson of n uthorsed person who s ether nsde or wthn 2 (two) metres of the vehle. Unnsured Workng Expenses mens unnsured workng expenses s stted n the Shedule. Unted Kngdom mens Englnd, Sotlnd, Wles, Northern Irelnd, the Isle of Mn nd the Chnnel Islnds. Unlwful Assoton mens ny orgnston whh s engged n Terrorsm nd nludes n orgnston whh t ny tme s prosred orgnston wthn the menng of the Northern Irelnd (Emergeny Provsons) At 1973 or ny mendment thereto. Unouped mens losed for Busness or not ouped for ts usul Busness purposes, for ny perod of more thn 30 (thrty) onseutve dys. V Vehle mens ny vehle nludng rvn or trler onstruted to e towed y suh vehle on the pul hghwy, whh s owned y the Insured or lesed to the Insured other thn one used n onneton wth rng nd/or rlles nd/or ompetton of ny knd. Vrus or Smlr Mehnsm mens ny Progrmme ode, progrmmng nstruton or ny set of nstrutons ntentonlly onstruted wth the lty to dmge, nterfere wth or otherwse dversely ffet ny omputer Progrmme(s), dt fles or opertons, whether nvolvng self-replton or not. Vrus or Smlr Mehnsm nludes ut s not lmted to trojn horses, worms nd log oms. W Wste mens ll wste nludng mterls to e reyled, reondtoned or relmed. We/Us/Our mens Brt Insurne Lmted. Wtness Attendne Allowne mens osts not to exeed 100 per dy or 1,000 Any One Clm when ny dretor, prtner or Employee of the Insured s sent from work Motor Trde Insurne 14

15 onsequent upon ttendng ourt or trunl herng of lm to whh the Clms Admnstrtor hs gven wrtten onsent under ths Poly. Y You/Your/Yours mens the Insured s stted n the Shedule. Motor Trde Insurne 15

16 Seton 1 Rod Rsks Su-Seton 1 Dmge to n Insured Vehle If the Insured Vehle s dmged the Insurers wll t ther dsreton repr or reple the Insured Vehle or mke sh settlement. The most the Insurers wll py under ths Su-Seton s:- 1 the Trde Mrket Vlue of the Insured Vehle t the tme of the dmge; or 2 the purhse pre of the Insured Vehle; or 3 the Insured Vehle ndemnty lmt shown n the Shedule; whhever s the lest. Young nd Inexperened Drvers Dmge Exess In respet of ny mount pyle under ths Su-Seton for dmge to the Insured Vehle whlst eng drven y or n the hrge of ny person to whom ndemnty s fforded, the Exess shll e the frst: f suh person s under 21 yers of ge; f suh person s 21 yers of ge or over nd hs not ttned hs or her 23rd rthdy; f suh person s 23 yers of ge or over nd hs not ttned hs or her 25th rthdy; nd Exlusons, Condtons nd Lmttons under Su- Setons 1 nd 2 1 Osolete or Unotnle Prts The Insurers shll not e lle to py greter sum n relton to the replement of ny prt or Aessory whh s osolete, unotnle, lost or dmged thn the mnufturers' lst lst pre of suh prt or Aessory. 2 Other Exlusons The Insurers shll not e lle under these Su- Setons: v v v v for dmge to property resultng from ny work undertken y the Insured; for loss or dmge to Aessores or spre prts of the Insured Vehle y theft or ttempted theft unless the vehle tself s stolen t the sme tme; n respet of loss of use nd/or depreton; for wer nd ter, mehnl, eletrl, eletron or omputer rekdowns or flures; for dmge to tyres y pplton of rkes or y puntures, uts or ursts; for ny reduton of the mrket vlue of the Insured Vehle s result of reprs; for ny fxtures nd fttngs of motorsed rvn unless suh fxtures nd fttngs were suppled y the mnufturers when new; Deleted: not exeedng the Trde Mrket Vlue of the Insured Vehle t the tme of the dmge or loss or the purhse pre of the Insured Vehle whhever s the lest. Formtted: Font: Itl Deleted: not exeedng the Formtted: Indent: Left: 0 m, Frst lne: 0 m Deleted: Deleted: Formtted: Font: Itl Deleted: Formtted: Font: Itl Formtted: Indent: Left: 0 m, Frst lne: 1 m Formtted: Indent: Left: 0 m, Frst lne: 0 m f suh person holds provsonl lene or full lene for less thn 12 months. Su-Seton 2 Dmge to or loss of the Insured Vehle y fre or theft In the event of dmge to or loss of the Insured Vehle nd or ts Aessores y fre or theft or ttempted theft the Insurers wll t ther dsreton repr or reple the Insured Vehle or mke sh settlement. The most the Insurers wll py under ths Su-Seton s:- 1 the Trde Mrket Vlue of the Insured Vehle t the tme of the dmge; or 2 the purhse pre of the Insured Vehle; or 3 the Insured Vehle ndemnty lmt shown n the Shedule; whhever s the lest. v x x x x n respet of loss of the Insured Vehle y deepton y purported purhser or hs/her gent or loss of proeeds of sle; n respet of ny loss or dmge rsng from theft or ttempted theft whlst the Insured Vehle s gnton key (or other gnton or vehle seurty deve) hs een left n or on the Insured Vehle; for ny mount exeedng the sum stted n the Shedule n respet of ny one lm or numer of lms rsng durng or n onsequene of n t of Terrorsm; for ny loss or dmge to ny Insured Vehle n or on the Busness Premses; for ny nrese n dmge s result of the Insured Vehle eng removed y ts own power followng n dent. Motor Trde Insurne 16

17 3 Pyment to Vehle Owner If to the knowledge of the Insurers the Insured Vehle s the sujet of fnnl greement or owned y person other thn the Insured, ny Pyment n Conneton wth Totl Loss or pyment n leu of reprs shll e mde to the owner reept of whh shll fully nd fnlly dshrge the Insurers of ll llty n respet of suh loss or reprs. 4 Replement vehle If wthn 12 months of frst regstrton s new ny Prvte Cr whh s purhsed new or on hre purhse n the Unted Kngdom nd not on ontrt hre, temporry hre or on lese s stolen nd not reovered or sustns loss or dmge (n ny sngle dent) n respet of whh the ost of repr, rensttement or replement exeeds 60% of the vlue of the Insured Vehle (sed on the mnufturer's lst pre when new) the Insurers wll t ther dsreton: py to the Insured the sum equvlent to the ost of new Prvte Cr of the sme mke or model (n the event of suh model eng dsontnued t the tme of the dent or loss the Insurers wll py the Insured sum sed on the Unted Kngdom lst pre when new or t the tme of the dsontnune); or sujet to vllty reple the Prvte Cr wth new vehle of the sme mke nd model. In suh n event the Insurers wll tke possesson of nd e enttled to ownershp of the dmged or reovered vehle. Su-Seton 3 Llty to Thrd Prtes Where the Certfte of Insurne permts, the Insurers wll ndemnfy the followng persons gnst llty t lw for dmges nd lmnts' osts nd expenses n respet of deth of or odly njury to ny person nd dmge to property used y or through or n onneton wth the Insured Vehle nludng the lodng or unlodng of ny Commerl Vehle overed y ths Insurne: 1 the Insured; 2 ny person drvng the Insured Vehle wth the permsson of the Insured or on the order of the Insured; 3 ny person usng the Insured Vehle wth the permsson of the Insured; 4 ny person drvng Prvte Cr not elongng to the Insured or the sd person or hred to the Insured or the sd person under hre purhse or lesng greement; 5 ny pssenger n the Insured Vehle or mountng nto or lghtng from the Insured Vehle who s not drvng nor n hrge for the purpose of drvng; 6 n the event of the deth of ny person enttled to ndemnty under ths Su-Seton, hs/her personl representtves n the terms of ths Insurne nd sujet to the exlusons, ondtons nd lmttons whh ppled to suh person. Any persons ndemnfed shll s though they were the Insured oserve, fulfl nd e sujet to the terms, exlusons, ondtons nd lmttons of ths Insurne nsofr s they n pply nd shll n no respet e n etter poston thn the Insured. Legl Defene In delng wth or defendng ny lm under ths Su- Seton the Insurers my t ther opton rrnge nd py for: 1 soltors' fees for representton t ny Coroner's Inquest or Inqury or defene of proeedngs t ny Court of Summry Jursdton; 2 legl serves to defend ny person n the event of proeedngs eng undertken for mnslughter, or usng deth y rekless or dngerous drvng; nd 3 ny other legl osts nd expenses greed y the Insurers n wrtng. The Insurers wll only py legl osts f they relte to n ndent whh s overed y ths Seton. Unuthorsed Movement The Insurers wll ndemnfy the Insured n the terms of ths Su-Seton n respet of llty rsng out of n dent used y or n onneton wth the movng sde (wthout the uthorty of the owner) of ny motor vehle prked n suh poston s to ostrut the legtmte pssge or the lodng or unlodng of the Insured Vehle. The Insurers shll not e lle n respet of loss of or dmge to ny vehle eng moved where suh loss or dmge s sustned durng the proess of movng the sd vehle s defned ove. Dmge to Thrd Prty Property The Insurers wll ndemnfy the Insured for ny mount not exeedng the sum stted n the Shedule for dmge to property n respet of ny one lm or numer of lms rsng out of one use n onneton wth the Insured Vehle. Contngent Llty The Insurers wll ndemnfy the Insured under the terms of ths Su-Seton when llty t lw rses out of n dent used y or n onneton wth ny motor vehle not the property of nor provded y the Insured whlst t s eng used on the Insured s ehlf. The Insurers mxmum llty under ths Su-Seton shll e lmted to the mount stted n the Shedule. Motor Trde Insurne 17

18 PROVIDED ALWAYS tht the Insured shll tke ll resonle steps to ensure tht there s n fore n respet of suh vehle n nsurne poly vld for suh use. Su-Seton 3 Exlusons The Insurers shll not e lle under ths Su-Seton:- 1 n respet of deth of or odly njury to ny person rsng out of nd n the ourse of suh person's employment y the Insured or y ny other person lmng to e ndemnfed under ths Su-Seton other thn to meet the requrements of the Rod Trff At; 2 for dmge or njury to ny property or nmls elongng to or held n trust y or n the ustody or ontrol of the Insured or ny person lmng to e ndemnfed under ths Su- Seton; 3 to ndemnfy ny person referred to n the frst prgrph of ths Su-Seton (nludng the Insured ) n respet of ny lm for whh they re enttled to ndemnty under ny other nsurne; 4 for ny dent, njury, loss, nd/or dmge rsng from the use of ny Item of Plnt or plnt formng prt of the Insured Vehle whlst suh plnt s eng used s tool of trde other thn to meet the requrements of the Rod Trff At; 5 for loss or dmge y polluton or ontmnton however used other thn to meet the requrements of the Rod Trff At; 6 or ny dent, njury, loss, dmge or ny llty of whtsoever nture other thn to meet the requrements of the Rod Trff At dretly or ndretly used y or ontruted to y or rsng from the Insured Vehle whlst n or on tht prt of ny erodrome, rfeld, rstrp, rport or mltry nstllton provded for: the tke-off or lndng of rrft nd erl deves or for the movement of rrft nd erl deves on the ground; rrft prkng nludng ny ssoted serve rods, refuellng res, ground equpment prkng res, prons, mntenne res nd hngers. 7 other thn to meet the requrements of the Rod Trff At, n respet of deth, njury or dmge used or rsng: eyond the lmts of ny rrgewy or thoroughfre n onneton wth the lodng or unlodng of the Insured Vehle; n onneton wth the lodng or unlodng of the Insured Vehle y ny person other thn the drver or the ttendnt of the Insured Vehle; 8 for ny lm rsng durng or n onsequene of n t of Terrorsm other thn to meet the requrements of the Rod Trff At; 9 for ny lm rsng from the deth of or odly njury to the drver of the Insured Vehle; 10 for ny lm rsng whlst the Insured Vehle s n or on the Busness Premses. Su-Seton 4 Trlers nd Towge The Insurers wll ndemnfy the Insured: 1 n the terms of Su-Seton 3 of ths Seton n respet of llty rsng n onneton wth ny Trler, trler-rvn or ny dsled mehnllypropelled vehle whlst tthed to the Insured Vehle; 2 n the terms of Su-Setons 1 nd 2 of ths Seton (f shown s pplle n the Shedule) n respet of: sem-trlers formng prt of rtulted Insured Vehles; or drw r trlers whlst tthed to the Insured Vehle. Su-Seton 4 Exlusons The Insurers shll not e lle: whlst the Insured Vehle s towng greter numer of Trlers thn s permtted y lw; or n respet of loss or dmge to the towed vehle or Trler (unless spefed n 2 ove) or to the property eng onveyed thereon. Su-Seton 5 Terrtorl Lmts, Foregn Trvel nd Trnst Terrtorl Lmts Ths Insurne pples n respet of events ourrng n: 1 Gret Brtn, Northern Irelnd, the Isle of Mn nd the Chnnel Islnds; 2 ny other memer ountry of the Europen Unon; nd 3 ny other ountry n respet of whh the Commsson of the Europen Unon s stsfed tht rrngements hve een mde to meet the requrements of ny Europen Unon Dretve on nsurne of vl lltes rsng from the use of motor vehles, ut Motor Trde Insurne 18

19 only so fr s s neessry to omply wth the ompulsory motor nsurne legslton of suh ountres. Foregn Trvel Wthout pror notfton to the Insurers, ndemnty grnted y ths Insurne wll e lmted to the mnmum ompulsory nsurne requred to enle the Insured to lwfully use the Insured Vehle n ny ountry referred to n 3 ove. Green Crd Sujet to the Insurers' pprovl nd provded n Interntonl Motor Certfte (Green Crd) s ssued y the Insurers ths Insurne s extended to pply whlst the Insured Vehle s eng used n ountres on the Contnent of Europe not defned n 1, 2 nd 3 ove ut whh re spefed on the Green Crd. Customs Duty Provded tht llty rses dretly from dmge or loss overed y ths Insurne the Insurers wll ndemnfy the Insured n respet of llty for the enfored pyment of Customs Duty. Trnst nd Relted Costs Provdng tht Su-Setons 1 nd 2 of ths Seton re opertve the Insurers wll ndemnfy the Insured n respet of: 1 dents ourrng durng the ourse of trnst y reognsed se or rl route etween ny ountry referred to n ths Su-Seton (nludng the proess of lodng or unlodng); 2 generl verge ontruton nd sue nd lour hrges nurred due to the trnsportton of the Insured Vehle y se. The ontruton reltes to the urrent mrket vlue or the purhse pre of the Insured Vehle whhever s the lest. Su-Seton 6 Medl Expenses The Insurers wll refund expenses for medl tretment to ny oupnt of the Insured Vehle s the result of personl njures y volent, dentl, externl nd vsle mens sustned n dret onneton wth the Insured Vehle not exeedng ny sum stted n the Shedule for eh njured person. Su-Seton 7 Personl Effets At the request of the Insured the Insurers wll ndemnfy ny person for dmge or loss of personl effets whlst n the Insured Vehle resultng from fre or theft or ttempted theft or dentl mens not exeedng the mount shown n the Shedule n respet of ny one ourrene provded suh dmge or loss s not reoverle from ny other nsurne whether effeted y the Insured or not. Su-Seton 7 Exlusons The Insurers shll not e lle n respet of: d dmge to or loss of goods, equpment or smples rred n onneton wth ny trde or usness; dmge to or loss of money, stmps, douments nd seurtes; dmge to or loss of mole telephones, Portle Computers nd udo vsul equpment (nludng ompt dss, mn dss nd ssettes); loss y theft of ny property rred n n open or onvertle r unless stolen from loked oot. Su-Seton 8 Wndsreen nd Brekge of Glss In the event of wndow or wndsreen eng roken from ny use nd shttered glss or resultnt srthng of odywork s the only dmge sustned y the Insured Vehle, the ndemnty provded y Insurers under ths Insurne wll e n n mount up to ut not exeedng the sum stted n the Shedule. Su-Seton 8 Exlusons The Insurers shll not e lle under ths Seton for the Exess shown n the Shedule. Ths Su-Seton s not pplle n respet of Commerl Vehles wth gross vehle weght exeedng 3.5 tons. Su-Seton 9 Unuthorsed Use The Insurers wll ndemnfy the Insured whlst the Insured Vehle s eng drven y ny person wthout the knowledge or onsent of the Insured for ny purpose not permtted under ths Insurne. PROVIDED ALWAYS tht the Insured shll tke ll resonle preutons to ensure tht ll persons who my drve the Insured Vehle re mde wre of the lmttons s to use s defned n ths Insurne. Su-Seton 10 Jont Insured The Insurers wll ndemnfy eh Compny emred wthn the ttle of the Insured s though they were the holders of seprte Insurne. However, nothng n ths Su-Seton shll operte so s to nrese the overll lmt of ndemnty provded under ths Poly Doument. Su-Seton 11 Prnpl's Indemnty Motor Trde Insurne 19

20 The Insurers wll ndemnfy the Insured n the terms of Su- Seton 3 of ths Seton n respet of llty ssumed y the Insured under n greement wth ny person (herenfter lled "the Prnpl") for the exeuton of work or the provson of serves or n onneton wth ess to ny premses or rod n the ownershp or oupton of the Prnpl. PROVIDED ALWAYS the Insured shll hve rrnged wth the Prnpl for the ondut or ontrol of ll lms for whh the Insurers my e lle y vrtue of ths Su- Seton to e vested n the Insurers. Su-Seton 11 Exlusons The Insurers shll not e lle n respet of: 1 llty whh tthes to the Prnpl y vrtue of n greement whh would not hve tthed n the sene of suh greement; 2 odly njury to the Prnpl for ny mount for whh the Insured would not e lle n the sene of n greement; 3 dmge to property elongng to or held n trust y or n the ustody or ontrol of the Prnpl for ny sum n exess of the mount requred to ndemnfy the Prnpl; 4 llty whh rses other thn y reson of the neglgene of the Insured or n employee of the Insured. Su-Seton 12 Demonstrton Use (Applle only f stted n the Shedule s Inluded) Cover s opertve whle the Insured Vehle s eng drven y ny person wth the permsson of the Insured for demonstrton purposes. Provded suh person: 1 s ompned y the Insured or ny person nmed n the Shedule s persons or lsses of persons enttled to drve s defned n the Certfte of Insurne; 2 s not enttled to ndemnty under ny other nsurne; 3 shll, s though he or she ws the Insured, oserve, fulfl nd e sujet to the terms, exlusons nd ondtons of ths Insurne nsofr s they n pply; nd 4 holds lene to drve suh vehle or hs held nd s not dsqulfed from holdng or otnng suh lene. Motor Trde Insurne 20

21 Su-Seton 12 Unompned Demonstrton Use (Applle only f stted n the Shedule s Inluded) Cover s opertve whle the Insured Vehle s eng drven y ny unompned person wth the permsson of the Insured for demonstrton purposes. Provded: 1 tht prgrph 5 (Persons or lsses of persons enttled to drve) of the Certfte of Insurne sttes Any person drvng for demonstrton or tuton wth the Insured s permsson ; 2 suh demonstrton purpose shll not exeed mxmum perod of 48 onseutve hours; 3 suh person s 21 yers of ge or over; Generl Exluson pplle to ll Su- Setons of ths Seton Use nd Drvng Ths Seton does not over ny llty loss or dmge nurred whlst ny Insured Vehle s: eng used for ny purpose not permtted y the Certfte of Insurne or ny Endorsement tthng to nd formng prt of ths Doument; eng drven y ny person not permtted y the Certfte of Insurne or ny Endorsement tthng to nd formng prt of ths Doument; eng drven y or for the purpose of eng drven s n the hrge of ny person who hs never held drvng lene or who s dsqulfed from holdng or otnng suh lene. 4 suh Insured Vehle s Trde Mrket Vlue does not exeed 20,000; 5 the Insured ensures tht suh person: holds vld lene to drve suh vehle or hs held nd s not dsqulfed from holdng or otnng suh lene; produes pee of ID (ddtonl to ther Drvng Lene); pror to drvng the Insured Vehle; 6 suh person does not hve ny onvtons on ther lene n the lst 3 yers other thn mxmum of two speedng onvtons; 7 tht the Insurers shll not e lle for theft or ny ttempt theret of the Insured Vehle y or wth the onnvne of suh person. Generl Condton pplle to ll Su- Setons of ths Seton Motor Insurne Dtse The Insured shll supply detls of ll vehles whose use s overed y ths Insurne s s requred y the relevnt lw pplle n the Unted Kngdom for entry on the Motor Insurne Dtse. Flure to do so my result n the Insured eng reported to the Motor Insurers Informton Centre for non-omplne wth the Motor Vehles (Compulsory Insurne) (Informton Centre nd Compenston Body) Regultons Motor Trde Insurne 21

22 Seton 2 Property Dmge All Rsks E or ontrol of the Insured; Any other property spefed n Seton 2 of the Shedule The Insurers wll ndemnfy the Insured gnst Dmge rsng from ny dentl use not eng n Exepted Cuse, ourrng durng the Perod of Insurne, sujet lwys to the Exess(es) nd the lmts, terms, ondtons nd exlusons of ths Seton nd the Poly. The llty of the Insurers under ths Seton shll not exeed n the whole the Totl Sum Insured or the Sum Insured n respet of ny ndvdul Item sujet to ny other lmt of llty s stted heren or n the Shedule. The Insurers shll not ndemnfy the Insured for the mount of the Exess spefed n the Shedule. A B B C The Cover Lmt of Llty The Exess The Property Insured Buldng(s) Contents nludng mhnery, plnt nd equpment nd Computer Equpment Contents omprsng solely portle hnd tools. Unless s otherwse stted n the Shedule, ny nsurne y ths Seton n respet of Buldng(s) or Contents shll nlude provson for Professonl Fees nd Ders Removl Stok n Trde, omprsng: udo nd vdeo equpment, grettes nd too; lether goods; All the property of the Insured or for whh the Insured s leglly responsle whlst t the Premses to whh ths Insurne pples. Seton 2 Exlusons Exepted Cuses The Insurers shll not ndemnfy the Insured for: 1 Dmge used dretly y or onsstng of: nherent ve, ltent defet, grdul deterorton, wer nd ter, frost, ts own fulty or defetve desgn or mterls; fulty or defetve workmnshp, opertonl error or omsson on the prt of the Insured or ny of ther employees; the operton of mhnery, plnt, pprtus or equpment unless suh operton s n ordne wth the mnufturers nstrutons or spefton; d exploson osoned y the urstng of oler (not eng oler used for domest purposes only), eonomser or other vessel, mhne or pprtus n whh nternl pressure s due to stem only nd elongng to or under the ontrol of the Insured; ut ths shll not exlude susequent Dmge whh tself results from use not eng n Exepted Cuse or otherwse exluded; 2 Dmge used dretly y or onsstng of: orroson, rust, wet or dry rot, shrnkge, evporton, loss of weght, dmpness, dryness, humdty, ton of lght, mrrng, srthng, vermn or nsets; hnge n temperture, olour, flvour, texture or fnsh; v v fuel stok; tyre stok; ll other Stok n Trde jont lekge, flure of welds, rkng, frturng, ollpse or overhetng of olers, eonomsers, superheters, pressure vessels or ny rnge of stem nd feed ppng n onneton therewth; D Stok of Vehles, omprsng: ut ths shll not exlude: vehles owned or lesed y the Insured; ustomers vehles n the ustody suh Dmge whh tself results from Defned Perl or from ny other use not eng n Exepted Cuse or otherwse exluded; Motor Trde Insurne 22

23 susequent Dmge whh tself results from use not eng n Exepted Cuse or otherwse exluded; 3 Dmge used dretly y or onsstng of mehnl or eletrl rekdown, derngement or overlodng n respet of the prtulr mhne, pprtus or equpment n whh suh rekdown, derngement or overlodng orgntes; ut ths shll not exlude: loss of, or dmge to, surroundng property not formng prt of the sme mhne, pprtus or equpment; suh Dmge whh tself results from Defned Perl or from ny other use not eng n Exepted Cuse or otherwse exluded; susequent Dmge whh tself results from use not eng n Exepted Cuse or otherwse exluded; 4 Dmge used dretly y or onsstng of theft or ttempted theft unless: nvolvng forle nd volent entry to or ext from Buldngs t the Premses; nvolvng ssult or volene or thret of ssult or volene to the Insured or ny prtner, dretor or employee of the Insured or memers of ther fmles or ny other person lwfully on the Premses; 5 Dmge used dretly y or onsstng of theft or ttempted theft from yrds, grdens, open spes or Outuldngs unless the ontents thereof re speflly nsured y ths Seton; 6 Dmge used dretly y or onsstng of: susdene, ground heve or lndslp, unless resultng from fre, exploson, erthquke or the espe of wter from ny tnk, pprtus or ppe; norml settlement or eddng down of new strutures; 7 Dmge used dretly y or onsstng of: ts of frud or dshonesty on the prt of the Insured or ny prtner, dretor or employee of the Insured, memers of ther fmles or ny other person to whom Property Insured hs een entrusted; unexplned dspperne, unexplned or nventory shortge, msflng or msplng of nformton; ersure or dstorton of nformton on omputer systems or other reords: whlst mounted n or on ny mhne or dt proessng pprtus; or due to the presene of mgnet flux; unless used y Dmge not eng the result of n Exepted Cuse n respet of the mhne or pprtus n whh the reords re mounted; 8 Dmge n respet of uldngs or strutures used dretly y ther own ollpse or rkng unless suh Dmge results from Defned Perl nd s not otherwse exluded; 9 Dmge used dretly y wnd, rn, hl, sleet, snow, flood or dust to: movele property (other thn motor vehles) n the open or n open sded uldngs or ontned n Outuldngs; fenes nd gtes. 10 Dmge used dretly y fre resultng from ts undergong ny proess nvolvng the pplton of het; 11 Dmge (other thn y fre) resultng from: ts undergong ny proess of produton; ts undergong ny proess of pkng, tretment, testng, ommssonng, lenng, servng, repr or ny other proess; ut ths shll not exlude loss of or dmge to surroundng property not formng prt of: the sme mhne; the sme proess of produton; the sme proess of pkng, tretment, testng, ommssonng, lenng, servng, repr or other proess; 12 Dmge used dretly y or onsstng of the soldfton of molten mterl unless suh Dmge results from Defned Perl nd s not otherwse exluded; 13 Dmge: used dretly y the espe of wter from ny tnk, pprtus or ppe; used dretly (other thn y fre or exploson) y mlous persons not tng on ehlf of or n onneton wth ny poltl orgnston; used dretly y freezng; Motor Trde Insurne 23

24 d used dretly y theft or ttempted theft; n respet of ny Unouped Buldng; 14 Dmge used dretly y or onsstng of or osoned y the voluntry prtng wth ttle or possesson of ny property or rghts to property; 15 Dmge used dretly y or onsstng of or resultng from esston of work; 16 Dely, loss of mrket, loss of use or onsequentl loss or dmge of ny knd exept loss of Rent when suh loss s nluded n the over y ths Seton; 17 Dmge ttrutle solely to hnge n the wter tle level; 18 Dmge to tyres y pplton of rkes or y puntures or ursts; 19 for ny nrese n dmge to ny motor vehle s result of the motor vehle eng removed y ts own power followng Dmge. Exepted Property The Insurers shll not ndemnfy the Insured n respet of loss of or dmge to: 1 jewellery, preous stones, preous metls, ullon, furs, urostes, works of rt or rre ooks; Glss or Sntry Fttngs; glss (other thn Glss), hn, erthenwre, mrle, sttury or other frgle or rttle ojets; ut ths shll not exlude Dmge used y Defned Perl nd not otherwse exluded; 2 property n trnst exept s provded for n Extensons 21 Temporry Removl, 22 Temporry Removl Computer Reords nd 23 Temporry Removl Douments; 3 rvns, trlers, rlwy loomotves, rollng stok, wterrft or rrft; property or strutures n ourse of onstruton or ereton nd mterls or supples n onneton wth ll suh property n ourse of onstruton or ereton; 4 lloy wheels exept for n mount not exeedng 1,000 ny one vehle. Seton Cluses 1 Desgnton For the purpose of determnng where neessry the hedng under whh ny property s nsured, the Insurers gree to ept the desgnton under whh suh property hs een entered nto the Insured s ooks of ounts. 2 Eletrl Apprtus If ny eletrl pprtus or fttngs re dmged y fre due to self gnton, over-runnng, exessve pressure, short rutng, self hetng or lekge of eletrty, the Insurers shll not e lle for Dmge to the equpment whh ontned the prtulr pee of pprtus or fttng whh hs used the fre, ut the Insurers shll e lle for Dmge to ny other pprtus or fttngs n onsequene of suh fre f suh other pprtus or fttngs re otherwse nsured under ths Seton. 3 Non-nvldton The Insurne under ths Seton shll not e nvldted y ny t or omsson or y ny lterton wherey the rsk of Dmge s nresed unknown to or eyond the ontrol of the Insured, provded tht the Insured shll gve note to the Insurers s soon s resonly prtle fter suh t or omsson or lterton omes to the note of the Insured nd shll py ny ddtonl premum requred y the Insurers. 4 Replement or Rensttement In the event of: Dmge under Item A (Buldng(s)) nd/or Item B (Contents) nsured herey; loss of, destruton of or dmge to the property overed under Extenson 31 Portle Hnd Tools nludng employees tools, mole telephones nd pgers of ths Seton; the ss upon whh the mount pyle y the Insurers s to e lulted shll e the rensttement of the Property Insured sufferng Dmge, sujet to the followng Spel Provsons nd sujet lso to the lmts, terms, ondtons nd exlusons of the Poly exept nsofr s the sme my e vred herey. For the purpose of ths Cluse rensttement shll men the rryng out of the fter-mentoned work, nmely: lnd, rods, pvements, pers, jettes, rdges, ulverts or exvtons; d lvestok, growng rops or trees; unless speflly mentoned n the Shedule s nsured y ths Seton; where Property Insured s lost or destroyed, the reuldng of the property, f Buldng, or, n the se of other property, ts replement y smlr property, n ether se n ondton equl to ut not etter or more extensve thn ts ondton when new; where Property Insured s dmged, the repr of the Dmge nd the restorton of the dmged porton of Motor Trde Insurne 24

25 the property to ondton sustntlly the sme s ut not etter or more extensve thn ts ondton when new. Spel Provsons for Cluse 4 d The work of rensttement (whh my e rred out upon nother ste nd n ny mnner sutle to the requrements of the Insured sujet to the llty of the Insurers not eng therey nresed) must e ommened nd rred out wth resonle despth; otherwse no pyment eyond the mount whh would hve een pyle under ths Poly f ths Cluse hd not een norported heren shll e mde. When ny Property Insured under Item A (Buldng(s)) nd/or Item B (Contents) s dmged or destroyed n prt only the llty of the Insurers shll not exeed the sum representng the ost tht the Insurers ould hve een lled upon to py for rensttement f suh property hd een wholly destroyed. No pyment eyond the mount whh would hve een pyle y the Insurers under ths Poly f ths Cluse hd not een norported theren shll e mde untl the ost of rensttement shll hve een tully nurred y the Insured. Item A (Buldng(s)) nd Item B (Contents) re delred to e seprtely sujet to the followng ondton of Averge: If t the tme of rensttement the sum representng 85% (eghty fve perent) of the ost whh would hve een nurred y the Insured n rensttement f the whole of the Property Insured under the Item hd een destroyed, exeeds the Sum Insured t the ommenement of the Dmge, then the Insured shll e onsdered s eng ther own nsurers for the dfferene etween the Sum Insured nd the sum representng the ost of rensttement of the whole of the Property Insured nd shll er rtele proporton of the loss ordngly. Where y reson of ny of the ove Spel Provsons no pyment s to e mde y the Insurers eyond the mount whh would hve een pyle under the Poly f these Spel Provsons hd not een norported heren, the rghts nd lltes of the Insurers nd the rghts nd lltes of the Insured n respet of the loss, destruton or dmge shll e sujet to the lmts, terms, ondtons nd exlusons of ths Poly, nludng ny ondtons of Averge heren s f these Spel Provsons hd not een norported heren. 5 Vehle Replement In the event of Dmge under Item D (Stok of Vehles) nsured herey, the ss upon whh the mount pyle y the Insurers s to e: the retl mrket vlue of ny ndvdul vehle elongng to ny ustomer of the Insured; the Trde Mrket Vlue of ny ndvdul motor vehle owned y the Insured. Seton 2 Condton 1 Fre Extngushng Applnes Ths Insurne tkes nto onsderton the nstllton of fre extngushng pplnes n ordne wth detls provded y the Insured to the Insurers nd the Insured undertkes to mntn the sd pplnes n full nd effetve workng order nd under ontrt for mntenne durng the Perod of Insurne. Sujet to the oservne of ths Condton, ths Seton shll not e nvldted y ny defet n ny of the sd pplnes due to ny rumstnes unknown to or eyond the ontrol of the Insured. Seton 2 Extensons Unless otherwse stted n the Shedule the followng Extensons shll pply, sujet lwys to the lmts, terms, ondtons nd exlusons of ths Seton nd the Poly. 1 Addtonl Costs Ths Seton extends to nlude over for resonle ddtonl osts neessrly nurred y the Insured to mntn seurty, htlty nd tenntlty t the Premses followng Dmge nsured herey, other thn the loss of keys y theft, sujet to lmt of 25,000 or 5% (fve perent) of the Totl Sum Insured s stted n the Shedule, whhever s the lesser, n respet of the Premses t whh the Dmge ourred. 2 Automt Rensttement of Sums Insured In onsderton of the Sums Insured not eng redued y the mount of ny loss, the Insured undertkes to py the pproprte ddtonl premum on the mount of the loss from the dte thereof to the expry of the Perod of Insurne, nd to rry out ny mesures tht the Insurers my requre to prevent further Dmge or enhne the seurty of the Premses. Sujet to the Insurers llty not exeedng the Sum Insured n respet of ny one Item n respet of ny one Ourrene. 3 Brekge of Glss nd Sntry Fttngs Extenson Applle where Buldngs re nsured y ths Seton. If Buldngs re not nsured y ths Seton ths Extenson my stll e pplle (see Shedule for onfrmton of over) Ths Seton extends to ndemnfy the Insured for the osts of repr or replement n the event of Brekge of Glss or Sntry Fttngs. The llty of the Insurers under ths Extenson shll not exeed the replement vlue of the Glss or Sntry Fttngs t the tme of the Brekge or n mount of 500 whhever s the lesser or s otherwse stted n the Shedule. Motor Trde Insurne 25

26 The ss of lm settlement shll e the vlue of Glss or Sntry Fttngs or t the Insurers opton ts repr, replement or rensttement. The Insurers wll lso py: for dmge to frmes or frmework whh hs to e removed to reple the Glss; for the ost of neessry ordng-up nd the provson of temporry door, onsequent upon the Brekge of Glss; for dmge to goods dsplyed for n mount not exeedng 500 ny one Ourrene provded suh dmge ws not dret result of theft or ttempted theft. The Insurers wll not ndemnfy the Insured for: 1 Brekge rsng dretly from lterton to or repr or restorton of the Premses; 2 Brekge of Glss or Sntry Fttngs: lredy dmged t nepton of the Perod of Insurne; formng prt of the Insured s Stok n Trde; 3 srthng or hppng of Glss unless t extends through the omplete fr of the Glss; 4 Brekge used y wer nd ter, ny grdully opertng use or the osts of mntenne; 5 Brekge n respet of ny Unouped uldng; 6 Brekge of uls or tues unless onsequent upon dmge to neon or llumnted sgns; 7 Brekge used y mehnl or eletrl rekdown or the pplton of eletrl energy; 8 Brekge rsng from Defned Perl; 9 the frst 250 of eh nd every loss rsng hereunder. 4 Cptl Addtons, Altertons nd Improvements The nsurne of Item A (Buldng(s)) nd Item B (Contents) extends to nlude over for ptl ddtons, ltertons nd mprovements nd newly qured nd/or newly ereted Buldng(s), sujet to the followng ondtons: the Insured shll delre to the Insurers the dte nd vlue of suh ptl ddtons, ltertons nd mprovements t ntervls of not more thn 6 (sx) months nd shll py n pproprte ddtonl premum from the tme suh ddtonl over pples; the mxmum ddtonl over grnted y ths Extenson shll not exeed 10% (ten perent) of the Totl Sum Insured under Items A (Buldng(s)) nd B (Contents) or 250,000 whhever the lesser; ths Extenson does not nlude over for ppreton n vlue. 5 Chngng Loks Ths Seton extends to nlude osts nurred y the Insured s result of the neessry replement of loks, f ny of the keys of the Premses re dentlly lost or stolen from the Premses or from the homes of prnpls, prtners, dretors or uthorsed employees, provded tht f suh keys relte to sfe or strong-room they shll not e left on the Premses outsde the Insured s norml usness hours. Sujet to lmt of 1,000 n respet of ny one Ourrene. The Exess s stted n the Shedule does not pply n respet of ths Extenson. 6 Contrt Pre In respet of vehles sold, ut not delvered, for whh the Insured s leglly responsle nd wth regrd to whh under the ondtons of the sle, the sle ontrt s nelled y reson of Dmge nsured herey whether wholly or to the extent of the Dmge, the llty of the Insurers shll e sed on the ontrt pre. For the purpose of ny ondton of Averge the vlue of ll goods to whh ths Extenson would n the event of Dmge e pplle shll e sertned on the sme ss. 7 Customers Goods It s greed tht the Insured hvng ntmted to ther ustomers tht they wll ept responslty for loss of or destruton of or dmge to goods the property of suh ustomers or for whh the sd ustomers my e leglly responsle whether mnuftured y the Insured or not, upon whh work s to e, s eng or hs een done on ehlf of ustomers y the Insured or whh my e left n the Insured s hnds for storge or despth or otherwse temporrly n the Insured s ustody, then ll suh goods shll e held to e nsured y Item C (Stok n Trde) of ths Seton unless they re more speflly nsured elsewhere. 8 Deterorton of Stok The nsurne of Item C (Stok n Trde) extends to nlude Dmge to foodstuffs ontned n refrgerton nets or omprtments y deterorton or putrefton used y: d rse or fll n the temperture s result of rekdown, stoppge or flure from ny nherent use of the sd pplne; ton of refrgernt fumes espng from the sd pplne; loss of refrgernt; flure of the pul supply of eletrty nd/or gs due to ny use not followng the delerte t of the supply uthorty or the exerse of suh uthorty of ts power to wthhold or restrt supply. Ths Extenson s sujet to the followng: It s ondton tht ny refrgerton net or omprtment more thn 10 (ten) yers old Motor Trde Insurne 26

27 shll e mntned under ontrt wth reognsed refrgerton engneer, unless speflly stted to the ontrry y Endorsement n the Shedule; The mxmum llty of the Insurers not exeedng 5,000 ny one Ourrene nd n the ggregte durng the Perod of Insurne. 9 Dsmntlng nd Re-ereton Costs The Insurne of Item B (Contents) nludes the osts of dsmntlng, re-ereton, fttng nd fxng of mhnery nd plnt followng Dmge nsured herey. Sujet to the Insurers llty not exeedng the Sum Insured stted n the Shedule. 10 Drn Clerng Ths Seton extends to nlude over for resonle expenses neessrly nurred y the Insured n lerng, lenng nd/or reprng drns, gutters, sewers nd the lke for whh the Insured re leglly responsle n onsequene of Dmge nsured herey. Sujet to the mxmum llty of the Insurers not exeedng 10,000 ny one Ourrene nd n the ggregte durng the Perod of Insurne. 11 Extngushment Expenses It s herey greed tht ths Seton extends to nlude resonle remursement osts for: fre rgde hrges; the refllng of fre extngushng pplnes; the replement of used sprnkler heds; rsng out of Dmge, sujet to the mxmum llty of the Insurers not exeedng 10,000 ny one Ourrene. 12 Lndsped Grounds It s greed tht the nsurne y ths Seton extends to nlude the osts neessrly nd resonly nurred y the Insured n mkng good the lndsped grounds of the Premses dmged y the Fre Brgde or ny other Emergeny Serve n onsequene of Dmge to Property Insured. The Insurers llty under ths Extenson s lmted to 25,000 n respet of ny one Ourrene. 13 Loss of Metered Wter Chrges Ths Seton extends to nlude over for ddtonl metered wter hrges nurred y the Insured, followng Dmge nsured herey, t the Premses durng the Perod of Insurne. The Insurers shll not e lle for ny suh hrges nurred y the Insured n respet of ny Unouped Buldng(s). The ss upon whh the mount pyle s to e lulted shll e the mount of the wter hrges for the perod durng whh Dmge ours, less the hrge mde to the Insured for the orrespondng perod n the preedng yer, djusted for hnges n the wter supplers hrges nd for vrtons ffetng the wter onsumpton of the Insured durng the ntervenng perod. Sujet to the mxmum llty of the Insurers not exeedng 10,000 ny one Ourrene nd n the ggregte durng the Perod of Insurne. 14 Mortggees Freeholders nd Lessors It s greed tht mortggees, freeholders nd lessors shll not e prejuded y ny nrese n the rsk of Dmge resultng from ny t of neglgene of ny mortggor, leseholder, lessee or ouper of ny Buldng(s) nsured y ths Seton, provded suh nrese n rsk s wthout ther pror knowledge or uthorty nd tht the Insurers re notfed mmedtely they eome wre of suh nrese n rsk. 15 Other Interests In the event of the Insured hvng property under the terms of ny hre purhse or smlr form of greement then the nterest of suh prtes s noted n ths Insurne, nd the nture nd extent of suh nterest s to e delred to the Insurers n the event of Dmge. 16 Power Hndlng Applnes The use of power hndlng pplnes s llowed, nludng ny neessry rehrgng thereof. 17 Property t Exhtons The nsurne of Item B (Contents) nd Item C (Stok n Trde) extends to nlude over for Dmge nsured herey to Property t Exhton whlst wthn the Terrtorl Lmts. Sujet to the mxmum llty of the Insurers not exeedng 10,000 ny one Ourrene. 18 Europen Unon nd Pul Authortes The Insurne y Item A (Buldng(s)) or Item B (Contents) extends to nlude suh ddtonl ost of rensttement of the lost, destroyed or dmged Property Insured s my e nurred y the Insured solely y reson of the neessty to omply wth the Stpultons of: Europen Unon legslton; or Buldng or other Regultons under or frmed n pursune of ny At of Prlment or wth Bye Lws of ny munpl or lol uthorty or other Codes of Prte; (herenfter referred to s the Stpultons) n respet of the lost, destroyed or dmged Property Insured nd undmged portons thereof provded lwys tht the mount reoverle under ths Extenson shll not nlude: the ost nurred n omplyng wth the Stpultons: n respet of Dmge ourrng pror to the grntng of ths Extenson; n respet of Dmge not nsured herey; under whh note hs een served upon the Insured pror to the hppenng of the Dmge; Motor Trde Insurne 27

28 v for whh there s n exstng requrement whh hs to e mplemented wthn gven perod; the ddtonl ost tht would hve een requred to mke good the property lost, dmged or destroyed to ondton equl to ts ondton when new hd the neessty to omply wth ny of the foresd Stpultons not rsen; the mount of ny rte, tx, duty, development or other hrge or ssessment rsng out of ptl ppreton whh my e pyle n respet of the property or y the owner thereof y reson of omplne wth ny of the foresd Stpultons. Provded tht: the work of rensttement must e ommened nd rred out wth resonle despth nd n ny se must e ompleted wthn 12 (twelve) months fter the Dmge, or wthn suh further tme s the Insurers my (durng the sd 12 (twelve) months) n wrtng llow nd my e rred out wholly or prtlly upon nother ste (f the foresd Stpultons so neesstte) sujet to the llty of the Insurers under ths Extenson not eng therey nresed; f the llty of the Insurers under ny Item of the Shedule prt from ths Extenson shll e redued y the pplton of ny of the terms nd ondtons of the Seton nd the Poly then the llty of the Insurers under ths Extenson n respet of ny suh Item shll e redued n lke proporton; the totl mount reoverle under ny Item of the Shedule shll not exeed: n respet of the lost, destroyed or dmged Property Insured ts Sum Insured; n respet of undmged portons of property (other thn foundtons) 15% (ffteen perent) of the totl mount for whh the Insurers would hve een lle hd the Property Insured y the Item t the Premses where the Dmge hs ourred een wholly destroyed; n respet of Europen Unon legslton: 15% (ffteen perent) of ts Sum Insured; where the Sum Insured y the Item pples to property t more thn one Premses 15% (ffteen perent) of the totl mount for whh the Insurers would hve een lle hd the Property Insured y the Item t the Premses where Dmge hs ourred een wholly destroyed; v n respet of uldng or other regultons under or frmed n pursune of ny At of Prlment or Bye Lws of ny munpl or lol uthorty or other Codes of Prte ts Sum Insured eng prt of nd not n ddton to the Sum Insured shown n the Shedule; d ll the terms, lmts, exlusons nd ondtons of ths Seton nd the Poly exept n so fr s they my e herey expressly vred shll pply s f they hd een norported heren. 19 Serves The Property Insured nludes telephone, gs, wter nd eletr nstruments, meters, ppes, duts, les nd the lke nd the essores thereof nludng smlr property n djonng yrds or rodwys or underground (nd pertnng to the Buldngs or Contents nsured under the respetve Items of ths Seton) ll the property of the Insured or for whh the Insured s leglly responsle. 20 Spontneous Hetng The Insurne of eh Item extends to nlude over for Dmge to ol, oke nd wood loks used y ts own spontneous fermentton, hetng or omuston. 21 Temporry Removl The Property Insured under ths Seton (other thn Stok n Trde or Rent) s overed whlst temporrly removed for lenng, renovton, repr or smlr purposes, elsewhere on the sme or to ny other premses nd n trnst thereto nd therefrom y rod, rl or nlnd wterwy wthn the Terrtorl Lmts, sujet to lmt of 15% (ffteen perent) of the relevnt Sum Insured s stted n the Shedule. The Insurers shll not e lle for losses rsng elsewhere thn t the Premses from whh the property s temporrly removed to vehles lensed for rod use n so fr s they re nsured y ths Seton. 22 Temporry Removl Computer Reords The nsurne of Computer Reords extends to over suh property for n mount not exeedng 10% (ten perent) of the totl vlue of suh property whlst temporrly removed to ny premses not n the Insured s oupton nd whlst n trnst thereto nd therefrom ll wthn the Terrtorl Lmts. 23 Temporry Removl Douments Deeds nd other douments (nludng stmps thereon), mnusrpts, plns nd wrtngs of every desrpton nd ooks (wrtten nd prnted) re nsured for n mount not exeedng 10% (ten perent) of the totl vlue of suh property whlst temporrly removed to ny premses not n the Insured s oupton nd whlst n trnst thereto nd therefrom ll wthn the Terrtorl Lmts. 24 Temporry Reprs Wthn the lmts of the Sum Insured, ths Seton extends to nlude over for the ost tully nurred y the Insured n mkng temporry reprs to ny of the nsured Buldngs Motor Trde Insurne 28

29 nd eretng temporry uldngs n ple of ny of the nsured Buldngs followng Dmge nsured herey. 25 Theft Dmge to Buldngs Where uldngs re not nsured under Item A (Buldng(s)), over s extended to nlude Dmge to uldngs for whh the Insured s leglly responsle s result of theft or ttempted theft nvolvng forle nd volent entry to or ext from uldngs t the Premses. The llty of the Insurers under ths Extenson nd ths Poly shll not exeed the Totl Sum Insured y ths Seton rsng out of ny one Ourrene. Provded tht f suh Dmge s nsured elsewhere no llty shll e dmtted y the Insurers under ths Extenson. 26 Tre nd Aess In the event of Dmge durng the Perod of Insurne resultng from espe of wter or fuel ol from ny tnk, pprtus or ppe, the Insurers shll py osts neessrly nd resonly nurred y the Insured n lotng the soure of suh Dmge, nd n the susequent mkng good of Dmge used s onsequene of lotng suh soure, up to n mount of 10,000 ny one Ourrene nd n the ggregte durng the Perod of Insurne. 27 Trnsfer of Interest It s greed tht notwthstndng Generl Condton 25 Insurle Interest tht, f t the tme of Dmge to ny Buldng(s) nsured y Item A of ths Seton, the Insured shll hve ontrted to sell ther nterest n suh Buldng(s) nd the purhse shll not hve een ompleted ut shll therefter e ompleted, the purhser on the ompleton of the purhse, f nd so fr s the property s not otherwse nsured y or on ehlf of the purhser gnst suh Dmge, shll e enttled to the eneft of ths Seton so fr s t reltes to suh Dmge, wthout prejude to the rghts nd lltes of the Insured or the Insurers under ths Seton, ut only up untl the dte of ompleton. 28 Unuthorsed Use of Eletrty, Gs or Wter Ths Seton s extended to nlude the ost of metered eletrty, gs or wter for whh the Insured s leglly responsle rsng from ts unuthorsed use y persons tkng possesson of or oupyng the Premses wthout the Insured s uthorty. Provded tht: 29 Workmen the Insurers mxmum llty under ths Extenson shll not exeed 10,000 ny one Ourrene; the Insured shll tke ll prtl steps to termnte suh unuthorsed use s soon s t s dsovered. Workmen shll e llowed on the Premses for the purpose of rryng out mnor reprs, deortons or ltertons wthout prejude to ths Insurne. 30 Stok n Trnst The ndemnty fforded y ths Seton extends to nlude Dmge to Stok n Trde (other thn the Exluded Property elow) whle n or on or eng loded onto or unloded from ny motor vehle (other thn trler) wthn the Terrtorl Lmts nd owned y or operted under the dret ontrol of the Insured sujet to the Lmt shown n the Shedule. Exluded Property: lvestok, furs, r telephones, wthes, jewellery, gold nd slver rtles, preous metls nd stones, non-ferrous metls, sh, stmps, nk notes, lls of exhnge, seurtes, deeds, douments, mnusrpts or plns; hn, glss, erthenwre, ptures or sentf nstruments, unless Dmge s used y fre, theft, n dent to the motor vehle or n ojet fllng onto the motor vehle. 31 Portle Hnd Tools nludng employees tools, mole telephones nd pgers The ndemnty fforded y ths Seton extends to nlude loss of or dmge to portle hnd tools, nludng employees tools, mole telephones nd pgers used n onneton wth the Busness wthn the Terrtorl Lmts sujet to the Lmt shown n the Shedule. Provded tht the Insurers shll not e lle for loss of or dmge to the forementoned property nsured rsng from theft or ttempted theft: from n Unttended Vehle unless ll doors nd the oot hve een loked nd the wndows nd other mens of ess hve een seured; from Vehle left Unttended t ny tme outsde ny workng dy of the drver or on non-workng dys or durng ny rest perod of the drver exeedng two hours unless the Vehle s: loked nd seured n ordne wth prgrph ) ove; nd grged n seurely losed nd loked uldng; or prked n yrd whh s fully enlosed nd seurely losed nd loked. 32 New Vehle Conesson Insured s Own Vehles If wthn one yer of regstrton s new ny vehle owned or regstered n the Insured s nme nd nsured for loss or dmge s: lost y theft nd not reovered; or dmged to the extent tht the ost of reprs wll exeed 60% of the mnufturer s reommended retl pre plus txes Motor Trde Insurne 29

30 mmedtely pror to suh dmge nd the lm s settled s totl loss; the Insurers wll py for the ost of purhsng new replement vehle of the sme mke nd model Provded tht: the Insured requests t; suh replement s vlle; the totl pyment wll e lmted to mxmum of 5,000 ove the mount pyle under ths Seton. 33 Vehles Held for Sle If new vehle held for sle y the Insured s dmged to the extent tht t neessttes: delrton of suh dmge to prospetve purhser; nd dsount to effet sle; the Insurers wll onsder suh dsount s formng prt of the lm. Provded tht: the Insurers hve greed the level of dsount neessry to effet the sle; nd the totl pyment wll e lmted to mxmum of 5,000 per vehle. 34 Contents of Customer s Vehles The ndemnty fforded y ths Seton extends to nlude Dmge to ontents of Customers vehles whle n or on the Premses. Provded tht the totl pyment wll e lmted to 1,000 per vehle. 35 Hrng or other Agreement If the Insurers know tht property or vehle s hred lesed or loned to the Insured under hre purhse lesng or other greement ny pyment my e mde to the owner whose reept shll e dshrge of ny lm under ths Poly. Spel Extensons Eh Spel Extenson shll only pply f stted s Inluded n the Shedule. 1 Dy One Bss (Non Adjustle) Extenson Dy One Bss (Non Adjustle) pplle to Item A (Buldng(s)) nd Item B (Contents) unless otherwse stted n the Shedule: the Insured hvng stted n wrtng the Delred Vlue norported n eh Item to whh ths Spel Extenson pples, the Premum hs een lulted ordngly. Delred Vlue shll men the Insured s ssessment of the ost of rensttement of the Property Insured rrved t n ordne wth prgrph of Cluse 4 t the level of ost pplyng t the nepton of the Perod of Insurne (gnorng nfltonry ftors whh my operte susequently) together wth, n so fr s the nsurne y the Item provdes, due llowne for: the ddtonl ost of rensttement to omply wth Pul Authorty requrements; Professonl Fees; Ders Removl. t the nepton of the Perod of Insurne the Insured shll notfy the Insurers of the Delred Vlue of the Property Insured y the sd Item. In the sene of suh delrton the lst mount delred y the Insured shll e tken s the Delred Vlue for the ensung Perod of Insurne. notwthstndng ny Generl Condton or Endorsement to the ontrry, the followng wordngs shll pply to the Spel Provsons to Cluse 4, prgrphs d nd e of whh re restted s follows: d eh Item nsured under ths Extenson s delred to e seprtely sujet to the followng ondton of Averge: If t the tme of Dmge the Delred Vlue of the Property Insured overed y suh Item s less thn the ost of rensttement (s defned n prgrph of Cluse 4) t the nepton of the Perod of Insurne then the Insurers llty for ny Dmge herey nsured shll e lmted to tht proporton thereof whh the Delred Vlue ers to the ost of rensttement. e where y reson of ny of the Seton Extensons, no pyment s to e mde eyond the mount whh would hve een pyle under ths Poly f ths Spel Extenson hd not een norported theren the rghts nd lltes of the Insurers nd the rghts nd lltes of the Insured n respet of the loss, destruton or dmge shll e sujet to the lmts, terms, ondtons nd exlusons of ths Poly nludng ny ondton of Averge theren, s f ths Spel Extenson hd not een norported theren exept tht the Sums Insured shll e lmted to the perentge s stted n the Shedule of the Delred Vlue; d the provsons of Seton Extenson 4 (Cptl Addtons, Altertons nd Improvements) shll not e sujet to ths Spel Extenson. 2 Index-Lnkng The Sums Insured n the Shedule (other thn Stok n Trde nd Stok of Vehles Sums Insured) wll e djusted Motor Trde Insurne 30

31 t monthly ntervls n ordne wth the perentge hnge n lne wth sutle ndes of osts. Provded tht: ny djustments mde to the Sums Insured wll e sed on the ltest fgures vlle to the Insurers; onstruton eng rred out on ny djonng ste; The Insurers shll then hve the rght to vry the terms or nel over n respet of susdene, ground heve or lndslp. t eh renewl the Premum wll e lulted on the djusted Sums Insured. 3 Susdene Extenson It s herey understood nd greed tht: 1 Exepted Cuses 6 nd 6 re deleted nd of no further effet; 2 ths Seton s extended to nlude Dmge used y susdene, lndslp or ground heve of ny prt of the ste on whh the Property Insured stnds, exludng Dmge: resultng from: v v ollpse, rkng, shrnkge or settlement of Buldng(s) or ny prt thereof; ostl or rver eroson; defetve desgn or workmnshp or the use of defetve mterls, nludng ndequte onstruton of foundtons; settlement or movement of mde up ground; the norml settlement or eddng down of new strutures; to foreourts, r prks, drvewys, footpths, wlls, gtes, hedges or fenes, unless speflly nsured hereunder where suh Dmge lso ffets the Buldng(s) nsured heren gnst suh Dmge; whh orgnted pror to the nepton of ths over; d resultng from: demolton, onstruton, struturl lterton or repr of ny Buldng(s); groundworks or exvton; t the sme Premses. Spel Condtons It s ondton tht the Insured shll notfy the Insurers mmedtely they eome wre of ny demolton, groundworks, exvton or Motor Trde Insurne 31

32 Seton 3 Busness Interrupton All Rsks The Cover The Insurers wll ndemnfy the Insured gnst Consequentl Loss rsng from ny dentl Indent ourrng durng the Perod of Insurne nd not otherwse eng exluded, sujet lwys to the lmts, terms, ondtons nd exlusons of ths Seton nd the Poly. Provded tht: t the tme of the hppenng of the Indent there shll e n fore n nsurne overng the nterest of the Insured n the property t the Premses gnst suh loss or dmge nd tht: pyment shll hve een mde or llty dmtted therefor; or pyment would hve een mde or llty dmtted therefor ut for the operton of provso n suh nsurne exludng llty for losses elow spefed mount. The Insurers wll lso ndemnfy the Insured n respet of Audtor s Fees, sujet to the Sum Insured s stted n the Shedule. Notes 1 To the extent tht the Insured s ountle to the tx uthortes for Vlue Added Tx, ll terms n ths Seton shll e exlusve of suh tx. 2 For the purpose of ny Defntons pplle to ths Seton, ny djustment mplemented n urrent ost ountng shll e dsregrded. 3 The undefned words n ths Seton shll hve the menng usully tthed to them n the Insured's ooks nd ounts. Lmt of Llty The llty of the Insurers under ths Seton shll not exeed n the whole the Totl Sum Insured or the Sum Insured n respet of ny ndvdul Item or ny other lmt of llty stted heren or n the Shedule. The Exess The Insurers shll not ndemnfy the Insured for the mount of the Exess spefed n the Shedule. Seton 3 Exlusons The Insurers shll not ndemnfy the Insured for: 1 Consequentl Loss used dretly y or onsstng of: nherent ve, ltent defet, grdul deterorton, wer nd ter, frost, ts own fulty or defetve desgn or mterls; fulty or defetve workmnshp, opertonl error or omsson on the prt of the Insured or ny of ther employees; the operton of mhnery, plnt, pprtus or equpment unless suh operton s n ordne wth the mnufturers nstrutons or spefton; d exploson osoned y the urstng of ny vessel, mhne or pprtus (not eng oler or eonomser on the Premses) n whh nternl pressure s due to stem only nd elongng to or under the ontrol of the Insured; ut ths shll not exlude susequent Consequentl Loss whh tself results from use otherwse exluded; 2 Consequentl Loss used dretly y or onsstng of: orroson, rust, wet or dry rot, shrnkge, evporton, loss of weght, dmpness, dryness, humdty, ton of lght, mrrng, srthng, vermn or nsets; hnge n temperture, olour, flvour, texture or fnsh; jont lekge, flure of welds, rkng, frturng, ollpse or overhetng of olers, eonomsers, superheters, pressure vessels or ny rnge of stem nd feed ppng n onneton therewth; d delerte t of supply undertkng n wthholdng the supply of wter, gs, eletrty, fuel or teleommuntons serves; ut ths shll not exlude: suh Consequentl Loss whh tself results from Defned Perl or from ny other dentl loss or dmge not otherwse exluded; susequent Consequentl Loss whh tself results from use not otherwse exluded; 3 Consequentl Loss used dretly y or onsstng of mehnl or eletrl rekdown, derngement or overlodng n respet of the prtulr mhne, pprtus or equpment n whh suh rekdown, derngement or overlodng orgntes; ut ths shll not exlude: Consequentl Loss n respet of surroundng property not formng prt of the sme mhne, pprtus or equpment; Motor Trde Insurne 32

33 suh Consequentl Loss whh tself results from Defned Perl or from ny other dentl loss or dmge not otherwse exluded; susequent Consequentl Loss whh tself results from use not otherwse exluded; 4 Consequentl Loss used dretly y or onsstng of theft or ttempted theft unless: nvolvng forle nd volent entry to or ext from Buldngs t the Premses; nvolvng ssult or volene or thret of ssult or volene to the Insured or ny prtner, dretor or employee of the Insured or memers of ther fmles or ny other person lwfully on the Premses; 5 Consequentl Loss used dretly y or onsstng of: susdene, ground heve or lndslp, unless resultng from fre, exploson, erthquke or the espe of wter from ny tnk, pprtus or ppe; norml settlement or eddng down of new strutures; 6 Consequentl Loss used dretly y or onsstng of: ts of frud or dshonesty on the prt of the Insured or ny prtner, dretor or employee of the Insured, memers of ther fmles or ny other person to whom property hs een entrusted; unexplned dspperne, unexplned or nventory shortge, msflng or msplng of nformton; ersure, loss, dstorton or orrupton of nformton on omputer systems or other reords Progrmmes or Softwre used delertely y roters, strkers, loked-out workers, persons tkng prt n lour dsturnes or vl ommotons or mlous persons; other ersure, loss, dstorton or orrupton of nformton on omputer systems or other reords, Progrmmes or Softwre unless resultng from Defned Perl nsofr s t s not otherwse exluded; 7 Consequentl Loss n respet of uldngs or strutures used dretly y ther own ollpse or rkng unless resultng from Defned Perl nd not otherwse exluded; 8 Consequentl Loss n respet of movele property (other thn motor vehles) n the open or n open sded uldngs or ontned n Outuldngs, fenes nd gtes used dretly y: theft or ttempted theft; wnd, rn, hl, sleet, snow, flood or dust; 9 Consequentl Loss used dretly y fre resultng from property undergong ny proess nvolvng the pplton of het; 10 Consequentl Loss resultng from: property undergong ny proess of produton; property undergong ny proess of pkng, tretment, testng, ommssonng, lenng, servng, repr or ny other proess; ut ths shll not exlude Consequentl Loss n respet of surroundng property not formng prt of: the sme mhne; the sme proess of produton; the sme proess of pkng, tretment, testng, ommssonng, lenng, servng, repr or other proess; 11 Consequentl Loss used dretly y or onsstng of the soldfton of molten mterl unless suh Consequentl Loss results from Defned Perl nd s not otherwse exluded; 12 Consequentl Loss: used dretly y espe of wter from ny tnk, pprtus or ppe; used dretly (other thn y fre or exploson) y mlous persons not tng on ehlf of or n onneton wth ny poltl orgnston; used dretly y freezng; d used dretly y theft or ttempted theft; n respet of ny Unouped uldng; 13 Consequentl Loss osoned y the voluntry prtng wth ttle or possesson of ny property or rghts to property; 14 Consequentl Loss n respet of: jewellery, preous stones, preous metls, ullon, furs, urostes, works of rt or rre ooks; Glss or Sntry Fttngs; Motor Trde Insurne 33

34 glss (other thn Glss), hn, erthenwre, mrle, sttury or other frgle or rttle ojets; ut ths shll not exlude Consequentl Loss used y Defned Perl nd not otherwse exluded; 15 Consequentl Loss n respet of Computer Equpment ut ths shll not exlude Consequentl Loss used y Defned Perl or theft or ttempted theft nd not otherwse exluded; 16 Consequentl Loss n respet of property or strutures n ourse of onstruton or ereton nd mterls or supples n onneton wth ll suh property n ourse of onstruton or ereton unless speflly mentoned wthn the Defnton of the Busness nd suh stes of onstruton or ereton re speflly mentoned wthn the Defnton of the Premses or otherwse dded y Endorsement to the over y ths Seton sujet to: suh Consequentl Loss eng used y Defned Perl nd not otherwse exluded; ll other terms, Condtons nd Exlusons of the Poly; 17 Consequentl Loss n respet of: lnd, rods, pvements, pers, jettes, rdges, ulverts or exvtons; rvns, trlers, rlwy loomotves, rollng stok, wterrft or rrft; lvestok, growng rops or trees; 18 Consequentl Loss ttrutle solely to hnge n the wter tle level; 19 Consequentl Loss ttrutle to dmge to tyres y pplton of rkes or y puntures or ursts. Item A Gross Proft The nsurne under Item A (Gross Proft) s lmted to loss of Gross Proft due to: 1 Reduton n Turnover; nd 2 Inrese n Cost of Workng. The mount pyle y the Insurers s ndemnty hereunder shll e: 1 n respet of Reduton n Turnover the sum produed y pplyng the Rte of Gross Prof to the mount y whh the Turnover durng the Indemnty Perod s stted n the Shedule shll, n onsequene of the Indent, fll short of the Stndrd Turnover; 2 n respet of Inrese n Cost of Workng the ddtonl expendture neessrly nd resonly nurred y the Insured for the sole purpose of vodng or dmnshng the reduton n Turnover, whh ut for tht expendture would hve tken ple durng the Indemnty Perod n onsequene of the Indent, ut not exeedng the sum produed y pplyng the Rte of Gross Prof to the mount of the reduton therey voded; less ny sum sved durng the Indemnty Perod n respet of suh of the hrges nd expenses of the Busness pyle out of Gross Proft s my ese or e redued n onsequene of the Indent. Spel Condton to Item A Undernsurne If the Sum Insured under ths Item A (Gross Proft) s less thn the sum produed y pplyng the Rte of Gross Proft to the Annul Turnover (or proportonte to multple thereof where the Mxmum Indemnty Perod exeeds 12 (twelve) months), the mount pyle y the Insurers shll e proportontely redued. Spel Provsons to Item A Gross Proft 1 If ny stndng hrges of the Busness re not nsured y ths Seton (hvng een deduted n rrvng t the Gross Proft), then, n omputng the mount reoverle hereunder s Inrese n Cost of Workng, tht proporton only of ny ddtonl expendture shll e rought nto ount whh the Gross Proft ers to the sum of the Gross Proft nd the unnsured stndng hrges. 2 The premum pd for Item A (Gross Proft) my e djusted on reept y the Insurers of delrton of Gross Proft erned durng the fnnl yer most nerly onurrent wth the Perod of Insurne, s reported y the Insured s udtors. If ny Indent shll hve ourred gvng rse to lm for loss of Gross Proft, the ove-mentoned delrton shll e nresed for the purposes of premum djustment y the mount y whh the Gross Proft ws redued durng the fnnl yer solely n onsequene of the Indent. 3 If the delrton (djusted s provded for ove nd proportontely nresed where the Mxmum Indemnty Perod exeeds 12 (twelve) months) s less thn the Gross Proft Sum Insured for the reltve Perod of Insurne, the Insurers wll llow pro rt return premum not exeedng 50% (ffty perent) of the premum pd. Extensons for Item A (Gross Proft) nd B (Revenue) If stted n the Shedule s Insured the followng Extensons shll pply, sujet lwys to the lmts, terms, ondtons nd exlusons of ths Seton nd the Poly. Motor Trde Insurne 34

35 1 Delrton Lnked loss of Gross Proft/loss of Revenue Endorsement The followng mendments re mde to the Shedule nd to Seton 3 to hnge ths Seton to the Delrton Lnked Bss: on the Shedule the words Estmted Gross Proft reple Sum Insured ; Item A shll red on Estmted Gross Proft ; Spel Condton Undernsurne s deleted; d the followng Lmt of Llty s dded n respet of Item A (Gross Proft): notwthstndng nythng heren to the ontrry, the llty of the Insurers shll n no se exeed, n respet of loss of Gross Proft % (one hundred nd thrty three nd one thrd perent) of the Estmted Gross Proft, nor n the whole % (one hundred nd thrty three nd one thrd perent) of the Estmted Gross Proft nd 100% (one hundred perent) of the Sums Insured y other Items or suh mounts s my e susttuted y the Insurers. In the sene of wrtten note y the Insured or the Insurers to the ontrry, the Insurers llty shll not stnd redued y the mount of ny loss, the Insured undertkng to py the pproprte ddtonl premum for suh utomt rensttement of over; e the followng Premum Adjustment Cluse nd Renewl Cluse re nluded n respet of ths Seton: Premum Adjustment The frst nd renewl premums n respet of Item A (Estmted Gross Proft) where nsured y ths Seton re provsonl nd re sed on the Estmted Gross Proft. The Insured shll furnsh to the Insurers not lter thn 6 (sx) months fter the expry of eh Perod of Insurne, delrton onfrmed y the Insured s udtors of the Gross Proft erned durng the fnnl yer most nerly onurrent wth the Perod of Insurne. If ny Indent shll hve ourred gvng rse to lm for loss of Gross Prof the forementoned delrton shll e nresed y the Insurers, for the purposes of premum djustment, y the mount y whh the Gross Proft ws redued durng the fnnl yer solely n onsequene of the Indent. If the delrton (djusted s provded ove or proportontely nresed where the Mxmum Indemnty Perod exeeds 12 (twelve) months): s less thn the Estmted Gross Proft for the reltve Perod of Insurne the Insurers shll llow pro rt return of premum pd on the Estmted Gross Proft ut not exeedng 50% (ffty perent) of suh premum; s greter thn the Estmted Gross Proft for the reltve Perod of Insurne the Insured shll py pro rt ddton to the premum pd on the Estmted Gross Proft. Renewl The Insured shll pror to eh renewl furnsh the Insurers wth the Estmted Gross Proft for the fnnl yer most nerly onurrent wth the ensung Perod of Insurne. 2 Denl of Aess Ths Insurne extends to nlude nterrupton of or nterferene wth the Busness n onsequene of dentl loss, destruton or dmge s nsured y ths Seton to ny property wthn 250 (two hundred nd ffty) metres of the Premses whh prevents or hnders the use of the Property Insured or ess to the Premses (whether or not the Property Insured or the Premses suffer smlr loss, destruton or dmge). 3 Motor Vehles Mnufturer Ths Insurne extends to nlude nterrupton of or nterferene wth the Busness n onsequene of dentl loss, destruton or dmge s nsured y ths Seton to property t the premses of ny motor vehle mnufturer nd ny mnufturer supplyng the Insured wth omponents or mterls, wthn the Terrtorl Lmts. The Insurers shll not e lle for ny lm mount n exess of 25% (twenty fve perent) of the Sum Insured under ths Seton, unless s otherwse stted n the Shedule. 4 Fuel Supplers Ths Insurne extends to nlude nterrupton of or nterferene wth the Busness n onsequene of dentl loss, destruton or dmge s nsured y ths Seton to property t the premses of ny ompny from whh the Insured otns regulr supples of motor fuel, wthn the Terrtorl Lmts. The Insurers shll not e lle for ny lm mount n exess of 12.5% (twelve pont fve perent) of the Sum Insured under ths Seton, unless s otherwse stted n the Shedule. 5 Pul Utltes Provders Premses Ths Insurne extends to nlude nterrupton of or nterferene wth the Busness n onsequene of dentl loss, destruton or dmge s nsured y ths Seton, to property t the premses of the followng pul utltes n the Terrtorl Lmts from whh the Insured otns supples or serves: ny genertng stton or su-stton of the pul eletrty supply undertkng from whh the Insured otns eletrty; ny lnd-sed premses of the pul gs supply undertkng or of ny nturl gs produer lnked Motor Trde Insurne 35

36 dretly therewth from whh the Insured otns gs; ny wter works or pumpng stton of the pul wter supply undertkng from whh the Insured otns wter; d ny lnd-sed teleommunton serves to the Premses. The Insurers shll not e lle for ny lm n exess of 5% (fve perent) of the Sum Insured under ths Seton, unless s otherwse stted n the Shedule. The Insurers shll not e lle for totl or prtl flure osoned y strke or lok-out, totl or prtl wthdrwl of lour, or totl or prtl esston of work. 5 Pul Utltes Termnl Ends Ths nsurne extends to nlude nterrupton of or nterferene wth the Busness, n onsequene of the dentl flure n the Terrtorl Lmts of: the pul supply of eletrty t the termnl ends of the supply undertkng s serve feeders t the Premses; the Mxmum Indemnty Perod under ths Extenson shll not exeed 12 (twelve) months. 6 Vehle Storge Ths Insurne extends to nlude nterrupton of or nterferene wth the Busness n onsequene of dentl loss, destruton or dmge s nsured y ths Seton to property t ny premses, not n the oupton of the Insured, wthn the Terrtorl Lmts, where the Insured stores new motor vehles. The Insurers shll not e lle for ny lm mount n exess of 10% (ten perent) of the Sum Insured under ths Seton, unless s otherwse stted n the Shedule. 7 Susdene Extenson It s herey understood nd greed tht: 1 Exlusons 5 nd 5 re deleted nd of no further effet; 2 ths Seton s extended to nlude Consequentl Loss used y susdene, lndslp or ground heve of ny prt of the ste exludng Consequentl Loss: the pul supply of gs t the supply undertkng s meters t the Premses; the pul supply of wter t the supply undertkng s mn stop ok servng the Premses; d the pul supply of teleommuntons serves, other thn stellte serves, t the nomng lne termnls or reevers t the Premses; ut exludng ny flure: resultng from: ollpse, rkng, shrnkge or settlement of Buldng(s) or ny prt thereof; ostl or rver eroson; defetve desgn or workmnshp or the use of defetve mterls nludng ndequte onstruton of foundtons; whh does not nvolve esston of supply for t lest 12 (twelve) onseutve hours; v settlement or movement of mde up ground; used y the delerte t of ny supply undertkng or y the exerse y ny suh undertkng of ts power to wthhold or restrt supply or serves; due to strkes or ny lour or trde dspute or ny ndustrl ton; v due to drought; v due to tmospher or wether ondtons, ut ths shll not exlude flure due to dmge to equpment used y suh ondtons. Provded tht: the Insurers shll not e lle for ny lm n exess of 5% (fve perent) of the Sum Insured y ths Seton, unless s otherwse stted n the Shedule; d v the norml settlement or eddng down of new strutures; to foreourts, r prks, drvewys, footpths, wlls, gtes, hedges or fenes, unless speflly nsured hereunder where suh n ndent lso ffets the Buldng(s) nsured heren gnst suh loss, destruton or dmge; whh orgnted pror to the nepton of ths over; resultng from: demolton, onstruton, struturl lterton or repr of ny Buldng(s); groundworks or exvton; t the sme Premses. Motor Trde Insurne 36

37 Spel Condtons 1 It s ondton tht the Insured shll notfy the Insurers mmedtely they eome wre of ny demolton, groundworks, exvton or onstruton eng rred out on ny djonng ste; 2 The Insurers shll then hve the rght to vry the terms or nel over n respet of susdene, ground heve or lndslp. 8 MOT - Loss of Lene Defntons The followng Defntons pply solely to ths Extenson: 1 Annul Turnover* The Turnover durng the twelve months mmedtely efore the dte of the suspenson or wthdrwl of The Lene. 2 Gross Proft The mount of the Turnover less those workng expenses of the Busness whh wll dretly vry n reltonshp to fll n Turnover. 3 Indemnty Perod The perod egnnng wth the suspenson or wthdrwl of The Lene nd endng not lter thn the Mxmum Indemnty Perod therefter durng whh the results of The Busness shll e ffeted n onsequene of tht suspenson or wthdrwl. 4 Rte of Gross Proft* The Rte of Gross Proft erned on the Turnover durng the fnnl yer mmedtely efore the dte of the suspenson or wthdrwl of The Lene. 5 Stndrd Turnover* The Turnover durng tht perod n the tme mmedtely efore the dte of the suspenson or wthdrwl of The Lene whh orresponds wth the Indemnty Perod. 6 The Busness Deprtment of Trnsport testng nd retestng nd vehle repr work rred out nd/or goods suppled n onneton therewth dretly rsng from suh testng onduted solely t or from the Premses. 7 The Lene The Lene grnted y The Deprtment of Trnsport to rry out MOT tests on motor vehles nd ssued to the Insured s n Authorsed Exmner or to Nomnted Tester employed y the Insured n onneton wth The Busness. 8 Turnover The money (less dsounts llowed) pd or pyle to the Insured n respet of The Busness. *Importnt Any neessry djustments shll e mde to the Rte of Gross Proft, Annul Turnover nd Stndrd Turnover to provde for the trend of The Busness nd for vrtons n or spel rumstnes ffetng The Busness whether efore or fter the suspenson or wthdrwl of The Lene, or whh would hve ffeted The Busness hd the suspenson or wthdrwl not ourred so tht the djusted fgures shll represent s losely s s resonly prtle the results whh, ut for the suspenson or wthdrwl, would hve een otned durng the reltve perod therefter. Indemnty Suspenson or Wthdrwl of MOT Lene If, durng the Perod of Insurne, The Lene shll e suspended or wthdrwn y the Deprtment of Trnsport nd The Busness rred on y the Insured t or from the Premses s s onsequene thereof nterrupted or nterfered wth the Insurers wll py to the Insured the mount of loss resultng from suh nterrupton or nterferene n ordne wth the spefed tems provded tht the Insurers llty shll n no se exeed the Lmt shown n the Shedule. Amount Pyle 1 on Gross Proft nd wges, slres, fees, redundny pyments nd pyments under the Contrt of Employment Ats or smlr legslton. Cover s lmted to loss of Gross Proft due to reduton n Turnover nd/or n Inrese n Cost of Workng nd the mount pyle shll e: n respet of reduton n Turnover, the sum produed y pplyng the Rte of Gross Proft to the mount y whh the Turnover durng the Indemnty Perod shll, n onsequene of the suspenson of The Lene, fll short of the Stndrd Turnover; n respet of Inrese n Cost of Workng: the ddtonl expendture neessrly nd resonly nurred for the sole purposes of vodng or dmnshng the reduton n Turnover whh, ut for tht expendture, would hve tken ple durng the Indemnty Perod ut not exeedng the sum produed y pplyng the Rte of Gross Prof to the mount of the reduton therey voded; less ny sum sved durng the Indemnty Perod n respet of suh hrges nd expenses of The Busness pyle out of Gross Proft s my ese or e redued n onsequene of the suspenson of The Lene. Provded tht f the Turnover n respet of MOT test fees delred y the Insured for the Perod of Insurne s less thn 80% of the Annul Turnover for MOT test fees the mount pyle shll e proportontely redued. Motor Trde Insurne 37

38 Exlusons Ths Extenson does not over ny loss rsng from: 1 suspenson or wrnng reeved durng the four weeks mmedtely followng nepton; 2 tul or proposed ompulsory purhse of the Premses; 3 ny sheme of town or ountry plnnng mprovement or development; 4 ny poly y the Deprtment of Trnsport to redue the numer of Authorsed Exmners nd Nomnted Testers; 5 ny lterton fter the ommenement of over of ny relevnt lw unless onfrmed n wrtng y the Insurers tht over wll ontnue fter suh lterton; 6 flure to mntn the Premses, equpment or mhnery n good generl repr; 7 flure to keep urte nd up to dte doumentton s requred y the Deprtment of Trnsport nd/or Vehle Inspetorte; 8 rmnl onvton. Item B Addtonl Expendture The Insurne under Item B (Addtonl Expendture) s lmted to the ddtonl expendture neessrly nd resonly nurred y the Insured wth the pror onsent of the Insurers n onsequene of the Indent n order to prevent or mnmse the nterrupton of or nterferene wth the Busness durng the Indemnty Perod (nludng the ost of removl to nd from temporry premses nd expenses ndentl thereto, nrese n rents, rtes nd txes, slres of ddtonl stff nd overtme pyments) ut only n so fr s suh ddtonl expendture s not reoverle under ny other Item of ths Poly. The lmt of the Insurers' llty shll not exeed the Sum Insured y ths Item s stted n the Shedule. Item C Outstndng Det Blnes The Insurne under Item C (Outstndng Det Blnes) s lmted to loss of Outstndng Det Blnes nurred y the Insured followng loss, destruton or dmge s nsured y ths Seton to the Insured s ooks of ount or other Busness ooks or reords t the Premses, nd the mxmum llty n respet of ny one Ourrene shll not exeed whhever s the lesser of the totl of: the dfferene etween the Outstndng Det Blnes nd the totl of the mounts reeved or tred n respet thereof; nd the ddtonl expendture neessrly nd resonly nurred wth the Insurers pror onsent for the sole purpose of trng nd estlshng ustomers det lnes fter the loss, destruton or dmge; or the Sum Insured stted n the Shedule; exludng ny loss or expendture rsng from d dets or ersure, dstorton or orrupton or delerte flsfton of Busness reords. Spel Condton to Item C Outstndng Det Blnes The Insured shll mntn n up-to-dte monthly reord of ll Outstndng Det Blnes, nd shll ether: keep suh reord n fre-resstng sfe(s) or fre-resstng net(s) when not n use; or keep duplte reord n uldng seprte from tht n whh the workng reord s kept. Item D Loss of Reevle The Insurne under Item D s lmted to: 1 loss of Rent Reevle; nd 2 nrese n Cost of Workng. The mount pyle y the Insurers s ndemnty hereunder shll e: n respet of loss of Rent Reevle the mount y whh the Rent Reevle durng the Indemnty Perod s stted n the Shedule shll, n onsequene of the Indent, fll short of the Stndrd Rent Reevle; n respet of Inrese n Cost of Workng the ddtonl expendture neessrly nd resonly nurred y the Insured for the sole purpose of vodng or dmnshng the reduton n Rent Reevle whh ut for tht expendture would hve tken ple durng the Indemnty Perod n onsequene of the Indent, ut not exeedng the mount of the reduton n Rent Reevle therey voded; less ny sum sved durng the Indemnty Perod n respet of suh of the hrges nd expenses of the Busness pyle out of Rent Reevle s my ese or e redued n onsequene of the Indent. Spel Condton to Item D Undernsurne If the Sum Insured under ths Item D (Loss of Rent Reevle) s less thn the Annul Rent Reevle (or proportonte to multple thereof where the Mxmum Motor Trde Insurne 38

39 Indemnty Perod exeeds 12 (twelve) months) the mount pyle y the Insurers shll e proportontely redued. Spel Provsons to Item D Loss of Rent Reevle 1 The premum pd for Item D (Loss of Rent Reevle) my e djusted on reept y the Insurers of delrton of Rent Reevle erned durng the fnnl yer most nerly onurrent wth the Perod of Insurne, s reported y the Insured s udtors. If ny Indent shll hve ourred gvng rse to loss of Rent Reevle, the ove-mentoned delrton shll e nresed for the purpose of premum djustment y the mount y whh the Rent Reevle ws redued durng the fnnl yer solely n onsequene of the Indent. 2 If the delrton (djusted s provded for ove nd proportontely nresed where the Mxmum Indemnty Perod exeeds 12 (twelve) months) s less thn the Rent Reevle Sum Insured for the reltve Perod of Insurne, the Insurers shll llow pro rt return premum not exeedng 50% (ffty perent) of the premum pd. Seton 3 Condtons The followng Condtons re nluded n ths Seton. 1 Aumulted Stok In djustng ny loss, ount shll e tken, nd n equtle llowne mde, f ny reduton n Turnover due to the Indent s postponed y reson of the Turnover eng temporrly mntned from umulted stoks of fnshed goods. 2 Alterntve Trdng If durng the Indemnty Perod s stted n the Shedule goods shll e sold or serves rendered elsewhere thn t the Premses for the eneft of the Busness, ether y the Insured or y others on the Insured s ehlf, the money pd or pyle n respet of suh sles or serves shll e rought nto ount n rrvng t the Turnover durng the Indemnty Perod. 3 Cesston of Busness Ths Seton of ths Poly shll e voded f the Busness s wound up or rred on y lqudtor, reever or dmnstrtor or permnently dsontnued unless ths Seton s ontnune s greed n wrtng y the Insurers. Busness (whether ffeted y the Indent or not), the mount pyle y the Insurers shll e proportontely redued. 5 Due Dlgene In the event of n Inden tht my gve rse to lm under ths Seton, the Insured shll wth due dlgene tke ll steps tht re resonly prtle to vod or mnmse ny nterrupton of or nterferene wth the Busness. 6 Frst Twelve Months Trdng In the event of lm rsng from n Indent ourrng efore the ompleton of the frst 12 (twelve) months trdng of the Busness t the Premses, ny terms n ths Seton s Defntons referrng to nome nd outgongs durng pror perod of 12 (twelve) months shll e djusted so s to pply to the nome nd outgongs durng the perod from ommenement of the Busness to the dte of the Indent. 7 Pyments on Aount Pyments on ount shll e mde y the Insurers to the Insured durng the Indemnty Perod f requred. 8 Rensttement of Lmt In the event of loss or losses ourrng under ths Seton, t s herey mutully greed to renstte the Sum Insured of the Item(s) ffeted to the full mount from the tme of the ourrene of suh loss or losses untl expry of ths Insurne nd tht n ddtonl premum (lulted t pro rt of the Insurne rte) from the dte of suh loss or losses to expry of ths Insurne, shll e pd y the Insured upon the mount of suh loss or losses when suh loss or losses s/re settled. However, the llty of the Insurers shll never exeed the Sum Insured n respet of ny one loss. 9 Slvge Sle If followng n Indent gvng rse to lm under ths Seton the Insured shll hold slvge sle durng the Indemnty Perod Cluse 1 of Item A (Gross Proft) shll for the purpose of suh lm red s follows: n respet of Reduton n Turnover: the sum produed y pplyng the Rte of Gross Prof to the mount y whh the Turnover durng the Indemnty Perod (less the Turnover for the perod of the slvge sle) shll n onsequene of the Indent fll short of the Stndrd Turnover from whh sum shll e deduted the Gross Proft tully erned durng the perod of the slvge sle. 4 Deprtmentl Cluse If the Busness s onduted n deprtments, the ndependent results of whh re sertnle, Inrese n Cost of Workng nd Reduton n Turnover shll pply seprtely to eh deprtment ffeted y the Indent; exept tht f the Sum Insured y the sd Item s less thn the ggregte of the sums produed y pplyng the relevnt Defnton of the Item for eh deprtment of the Motor Trde Insurne 39

40 Seton 4 Spefed Busness Equpment All Rsks The Cover The Insurers wll ndemnfy the Insured gnst Dmge ourrng durng the Perod of Insurne nd wthn the Terrtorl Lmts, nludng whlst n trnst, nd rsng from ny dentl use not otherwse eng exluded, sujet lwys to the lmts, terms, ondtons nd exlusons of ths Seton nd the Poly. The llty of the Insurers under ths Seton shll not exeed the Sum Insured n respet of ny one Item or ny other lmt of llty s stted n the Shedule. The mount pyle shll e the ost of repr, rensttement or replement of the spefed Property Insured s new wthout deduton for wer nd ter to ondton equvlent to or sustntlly the sme ut not etter or more extensve tht ts ondton when new Provded tht repr, rensttement or replement hs een effeted. The Insurers shll not ndemnfy the Insured for the mount of the Exess spefed n the Shedule. 1 Averge Eh tem under ths Seton s delred to e sujet to Generl Condton 2 Averge (unless otherwse stted n the Shedule). 2 Wrrntes/Condtons Preedent to Llty Where Property Insured t the Premses nsured y Seton 2 of ths Poly s or my e mde sujet to ny Wrrnty or Condton preedent to llty then the Wrrnty or Condton preedent to llty shll e deemed to pply n lke mnner n the event of loss of or dmge to Property Insured under ths Seton whh ours t the Premses. 3 Unttended Vehle It s ondton preedent to the Insurers llty tht: Lmt of Llty Bss of Settlement The Exess Seton 4 Condtons when ny vehle s left Unttended ll wndows nd doors re losed nd ll loks nd other seurty deves re n tul nd omplete operton nd the keys re removed from the vehle; no vehle s left loded Overnght Unttended unless n loked uldng or n loked or ontnuously supervsed pul grge or vehle ompound wth loked gtes. The onus of provng tht the loss, destruton or dmge dd not our Overnght shll e upon the Insured. Seton 4 Exlusons 1 Exluded Property Ths Seton does not over (unless spefed n the Shedule): movele property n the open where Dmge rses s result of wnd, rn, hl, sleet, snow, flood or dust; property whlst t s opertonl or eng worked upon or undergong mntenne, repr, restorton or testng; Computer Reords. 2 Exluded Cuses The Insurers shll not ndemnfy the Insured for: Dmge used y: nherent ve, ltent defet, grdul deterorton, wer, ter, frost, ts own fulty or defetve desgn or mterls; fulty or defetve workmnshp, opertonl error or omsson on the prt of the Insured or ny of ther employees; ut ths shll not exlude susequent Dmge whh tself results from use not eng n Exluded Cuse or otherwse exluded. Dmge used y: orroson, rust, wet or dry rot, shrnkge, evporton, loss of weght, hnge n olour, flvour, texture or fnsh, dmpness, dryness, mrrng, srthng, dust, heml ton or reton, pests, vermn or nsets; hnge n temperture or tmospher or lmt ondtons; mehnl or eletrl rekdown or derngement n respet of the prtulr mhne, pprtus or equpment n whh suh rekdown or derngement orgntes nd ersure or dstorton of dt reords or systems y eletromgnet flux; ut ths shll not exlude: Motor Trde Insurne 40

41 suh Dmge whh results from Defned Perl or from ny other use, not eng n Exluded Cuse or otherwse exluded; susequent Dmge whh tself results from use not eng n Exluded Cuse or otherwse exluded; Dmge used y: ts of frud or dshonesty y the Insured s employees; unexplned dspperne, unexplned or nventory shortge, msflng or msplng of nformton; ny proess of fttng, testng, servng, repr, renovton or djustment. Motor Trde Insurne 41

42 Seton 5 Money nd Personl Adent Assult Seton 5A Money The Cover The Insurers shll py for: 1 The loss of urrent onge nd the other negotle nstruments lsted n prgrph 1 of the Generl Defnton of Money up to the Lmts of Llty s stted n the Shedule, y ny use not otherwse exluded, whlst n: the Premses durng Busness Hours; trnst wthn the Terrtorl Lmts or n ny nk nght sfe; loked sfe, the detls of whh hve een notfed to nd greed y the Insurers, when outsde Busness Hours, provded the keys or ny reord of the sfe omnton re removed from the Premses nd held n the personl ustody of n uthorsed Insured Person; d the Premses outsde Busness Hours nd not n loked sfe; e the personl ustody of the Insured or n uthorsed Insured Person n ther prvte dwellng or n trnst etween suh dwellng nd the Premses nd/or s otherwse stted n the Shedule; 2 The loss of rossed heques nd the other nonnegotle nstruments lsted n prgrph 2 of the Generl Defnton of Money up to the mount stted n the Shedule y ny use not otherwse exluded whlst wthn the Terrtorl Lmts; 3 The ost of repr or replement n the event of loss of, destruton of or dmge to sfes, strongrooms, tlls, sh regsters, frnkng mhnes nd spel money-rryng ses f loss, destruton or dmge results from the theft or ttempted theft of Money; 4 Losses rsng from the frudulent use y ny unuthorsed person, other thn n employee of the Insured, of ny redt rd ssued to the Insured for use n the Insured s Busness up to lmt of 1,000 n respet of ny one Ourrene nd 5,000 n the ggregte durng the Perod of Insurne; ourrng durng the Perod of Insurne sujet lwys to the lmts, terms, ondtons nd exlusons of ths Seton nd the Poly. Lmt of Llty The llty of the Insurers under Seton 5A Money shll not exeed ny Lmt of Llty s stted n the Shedule or ny other lmt of llty s stted heren. The Exess The Insurers shll not ndemnfy the Insured for the mount of the Exess spefed n the Shedule. Seton 5A Money Condtons It s ondton tht: 1 ny tll or sh regster on the Premses s left open nd unloked nd empty of Money outsde Busness Hours; 2 Money n trnst n exess of 2,500 ny one trnst, must e ompned n ordne wth the mounts nd numer of persons detled s follows, unless vred y Endorsement n the Shedule: Amount n Trnst Mnmum Aompnment 2,501 to 5,000 y t lest 2 le oded persons 5,001 to 7,500 y t lest 3 le oded persons 7,501 nd over y n ndependent spelst seurty ompny rrer. 3 A omplete reord s kept of ll Money held y the Insured; 4 The Insured upon eomng wre of loss of ny redt rd shll gve mmedte note to the orgnston whh ssued the rd. Seton 5A Money Exlusons Seton 5A Money does not over ny loss of Money: 1 used y frud or dshonesty of ny Insured Person or memers of ther fmles or households unless dsovered nd reported to the Pole nd the Insurers n wrtng wthn 14 (fourteen) dys of the tul ourrene; 2 due to shortges from ountng or mysterous or unexplned dsppernes, or other error or omsson, depreton n vlue, ounterfet money, or dshonoured heques; 3 from n Unttended vehle; Motor Trde Insurne 42

43 4 from the Premses outsde of Busness Hours unless ll keys, duplte keys nd omnton odes to sfes, strongrooms, sh oxes, drwers or flng nets from whh Money ws tken were removed from the Premses t the tme of loss; 5 from ny mhne operted y ons, nk notes or redt rds unless stted n the Shedule; 6 whlst n the ustody of ny seurty ompny employed y the Insured unless speflly mentoned s nluded up to Lmt of Llty s stted n the Shedule nd the seurty ompny s s greed y the Insurers. However, seurty ompnes ontngeny over s grnted hereunder n rumstnes where loss of, destruton of or dmge to Money n the ustody or ontrol of seurty ompny s greed y the Insurers s not reoverle from suh ompny sujet lwys to the Lmts of Llty s stted heren. Seton 5A Money Optonl Extenson Wrongful Converson (pplle only where stted n the Shedule) The Cover Provded the Insured hs ted n good fth nd wth resonle re the Insurers wll ndemnfy the Insured n respet of legl llty sustned y the Insured n onneton wth ny vehle purhsed durng the Perod of Insurne y the Insured n respet of whh: the true owner hs mde lm for the return of the vehle or ts vlue; the person to whom the Insured hs purported to sell the vehle hs mde lm for dmges for reh of mpled wrrnty of ttle; sujet to the Insured hvng reeved wrtten onfrmton from H.P. Informton Lmted pror to the lm tht the vehle s not sujet to Hre Purhse nterest or Contrt Hre Agreement or dverse nformton gnst t. Lmt of Llty The llty of the Insurers s s stted n the Shedule n respet of ny one lm nd n the ggregte durng ny one Perod of Insurne. Clms Settlement Note of ny lm or potentl lm must e gven to the Insurers wthn perod of 12 months from the dte on whh the vehle ws purhsed y the Insured. Exess The Insurers shll not e lle for the frst 20% of eh nd every lm rsng under ths Extenson. Seton 5B Personl Adent Assult The Cover The Insurers shll py for: 1 dentl odly njury ourrng durng the Perod of Insurne to ny Insured Person(s), solely s the dret result of Assult n the ourse of hs/her dutes n the Busness, nywhere wthn the Terrtorl Lmts up to the mount of Beneft s stted n the Shedule of Compenston elow; 2 ny medl expenses nurred y the Insured Person followng suh Assult, up to ut not exeedng 15% (ffteen perent) of the totl mount of ny lm dmtted y the Insurers under Item 2 of the Shedule of Compenston elow; 3 dmge to lothng of the Insured Person s result of Assult n the ourse of hs/her dutes n the Busness nywhere wthn the Terrtorl Lmts up to 250 n respet of ny one loss; sujet lwys to the lmts, terms, ondtons nd exlusons of ths Seton nd the Poly. Shedule of Compenston Item 1 Item 2 Deth, Permnent Totl Dslement or Permnent Loss of Sght nd/or Loss of Lms: Temporry Totl Dslement (so long s suh Dslement ontnues): Lmt of llty Beneft the Cptl Sum s stted n the Shedule s the Compenston Lmt for ny one Insured Person the weekly mount s stted n the Shedule s the Compenston Lmt for mxmum of 104 (one hundred nd four) onseutve weeks for ny sngle Dslement overed hereunder. The llty of the Insurers under Seton 5B Personl Adent Assult for ny one Insured Person shll not exeed the Cptl Sum s stted n the Shedule. Motor Trde Insurne 43

44 Seton 5B Assult Condtons 1 Benefts shll not e pyle y the Insurers n respet of the onsequenes of ny one Assult nvolvng ny one Insured Person: under more thn one of the types of lm n the Shedule of Compenston; or untl the totl mount of Beneft hs een greed y the Insurers. 2 In the event of ny odly njury, the Insured Person must ple hmself/herself under the re of qulfed medl prttoner nd t upon suh medl or surgl dve s s gven s soon s prtle. 3 The Insured shll notfy the Insurers wthn 7 (seven) dys of the ndent gvng rse to the lm, provdng ll neessry detls nd otnng t the Insured s own expense ny medl report(s) s my e requred y the Insurers. 4 The Insured Person shll t the request of the Insurers sumt hmself/herself to medl exmnton t the expense of the Insurers s often s the Insurers deem neessry. 5 Notwthstndng nythng to the ontrry n Condton 1 ove, the Insurers my t ther dsreton py ny weekly Beneft due t ntervls n rrers of not less thn 4 (four) weeks, f the Insured so requests. 6 Beneft shll only e pd y the Insurers on produton of medl evdene or other suh wrtten evdene from qulfed medl prttoner, nd n the event of Deth of n Insured Person, the Insurers shll e enttled to hve post mortem exmnton performed. 7 Beneft pyle y the Insurers under Item 2 of the Shedule of Compenston shll not exeed the Insured Person s pre-njury weekly ernngs from the Busness of the Insured Person. Seton 5B Assult Exlusons 1 Seton 5B Assult does not over Beneft: to ny person under 16 (sxteen) or over 65 (sxty fve) yers of ge t the ommenement of the Perod of Insurne; for deth, odly njury or dslement used or ontruted to y or rsng from ny pre-exstng defet, nfrmty or dsese. 2 Bodly njury does not nlude skness or dsese or ny nturlly ourrng ondton or degenertve proess or the result of grdully opertng use. Motor Trde Insurne 44

45 Seton 6 Goods n Trnst The Insurers shll ndemnfy the Insured gnst loss of, destruton of or dmge to the Insured Goods ourrng whlst n Trnst nd durng the Perod of Insurne rsng from ny externl nd dentl use, sujet lwys to the lmts, terms, ondtons nd exlusons of ths Seton nd the Poly. The llty of the Insurers under ths Seton shll not exeed ny Lmt of Llty s stted n the Shedule or ny other lmt of llty s stted heren. The Insurers shll not ndemnfy the Insured for the mount of the Exess spefed n the Shedule. The followng Extensons shll pply, sujet lwys to the lmts, terms, ondtons nd exlusons of ths Seton nd the Poly. 1 Removl of Ders The Insurers shll py for the neessry nd resonle osts nd expenses nurred y the Insured n: The Cover Lmt of Llty The Exess Seton 6 Extensons removng or relodng the Insured Goods; removng ders of suh Insured Goods; dsmntlng or rekng up suh Insured Goods; followng the ourrene of n nsured loss under ths Poly provded tht: the llty of the Insurers shll not exeed the mount s stted n the Shedule; ths Extenson does not over ny osts or expenses n onneton wth seepge nd/or polluton nd/or ontmnton of ny knd or desrpton rsng dretly or ndretly from ny use. 2 Clothng nd Personl Effets The Insurers shll py for loss of, destruton of or dmge to lothng nd personl effets of the drver nd/or ttendnt used y or followng n dent to the onveyng vehle or trler whlst gong out the Busness of the Insured for n mount not exeedng 500 ny one Ourrene. 3 Tools nd Trvellers Smples The Insurers shll py for loss of, destruton of or dmge to dretors, prtners or employees tools nd smples on the vehle or trler for n mount not exeedng Susttuton of Vehles Where vehles re ndvdully spefed n the Shedule the Insurers wll nsure sujet to the Lmt of Llty s stted n the Shedule, terms, ondtons nd exlusons pplle to the orgnl vehle the Insured Goods n or on ny other vehle: temporrly susttuted for the spefed vehle whlst the spefed vehle s out of use for mntenne, repr or offl vehle testng; permnently susttuted for the spefed vehle provded tht the Insurers re dvsed n wrtng wthn 21 (twenty one) dys of the susttuton. 5 Automt Rensttement followng Loss In the sene of wrtten note y the Insured or the Insurers to the ontrry the Lmt of Llty stted n the Shedule shll not stnd redued y the mount of ny loss provded the Insured undertkes to py the pproprte ddtonl premum on the mount of the loss from the dte thereof to the dte of expry of the Perod of Insurne. Seton 6 Condtons 1 It s ondton preedent to the Insurers llty tht: when ny vehle s left Unttended ll wndows nd doors re losed nd ll loks nd other vehle mnufturer s seurty deves nludng ny key operted mmolser where ftted nd pproved y the Insurers, re n tul nd omplete operton nd the keys re removed from the vehle; when ny vehle s left loded nd Unttended wy from the Insured s Premses outsde the Insured s norml Busness Hours, the vehle shll e n loked uldng or n loked or ontnuously supervsed pul grge or vehle ompound wth loked gtes. The onus of provng tht the loss, destruton or dmge dd not our outsde the Insured s norml Busness Hours shll e upon the Insured. 2 No lm shll e pyle y the Insurers for whh no proof of dspth s provded. 3 The Insured shll mntn ther vehles n rodworthy ondton. Motor Trde Insurne 45

46 Seton 6 Exlusons 1 Exluded Property Unless n nllry prt of the Insured s Busness ths Seton does not over (unless stted n the Shedule): too produts, wnes nd sprts; mers, photogrph equpment, noulrs, rdo, televson, udo, vdeo nd Computer Equpment; h theft or ttempted theft of the Insured Goods from open ked, soft sded or soft topped vehles; j the dshonesty of ny person to whom the Insured Goods hve een entrusted; pkng whh ws ndequte to wthstnd norml hndlng durng Trnst; k loss of mrket, loss of proft, loss of use nd onsequentl loss or dmge of ny knd. jewellery, wthes, preous metls nd stones, furs nd lothng; d Money, deeds nd other douments; e glss, hn, erthenwre, mrle, sttury nd other tems of frgle or rttle nture unless Dmge rses s dret result of fre, theft, ollson or overturnng of the onveyng vehle; f lvestok; g dngerous goods s defned n the urrent stndrd ondtons of the Rod Hulge Assoton (nludng ut not lmted to explosves, ds, hemls nd gses); h Computer Reords; property temporrly removed from the Insured s Premses for lenng, renovton, repr or smlr purposes. 2 Exluded Cuses Ths Seton does not over loss, destruton or dmge used y or rsng from: nherent ve or ltent ve or defet; vrton, defetve pkng, dentng, srthng or rusng, vermn or nsets; mehnl or eletrl rekdown, derngement, defet or flure; d vrton n temperture, loss of refrgernt or ontrolled tmosphere unless used y ollson or overturnng of the onveyng vehle, tmospher or lmt ondtons; e temporry housng of the Insured Goods n ourse of Trnst for the purpose of storge, mkng-up, pkng or proessng; f dely or ndequte doumentton; g nventory shortges or mysterous or unexplned dsppernes; Motor Trde Insurne 46

47 Seton 7 Terrorsm The Cover The Insurers shll ndemnfy the Insured gnst Dmge under Seton 2 Property Dmge All Rsks nd Seton 4 Spefed Busness Equpment All Rsks nd/or ny Consequentl Loss under Seton 3 Busness Interrupton All Rsks, resultng therefrom nsofr nd to the extent tht t s stted s eng nsured n the Shedule to ths Seton n Gret Brtn (menng Englnd nd Wles nd Sotlnd ut not the terrtorl ses djent thereto s defned y the Terrtorl Se At 1987 or ny susequent mendng legslton nd not the Isle of Mn or the Chnnel Islnds) used y n At of Terrorsm ertfed s suh y Her Mjesty s Government or Her Mjesty s Tresury or ny suessor or other relevnt uthorty, sujet lwys to the lmts, terms, ondtons nd exlusons of ths Seton nd the Poly. Lmt of Llty The llty of the Insurers under ths Seton n respet of ny one Ourrene nd n the ggregte durng the Perod of Insurne shll not exeed the Lmts of Llty s stted n the Shedule; nd n ny ton, sut or other proeedngs where the Insurers llege tht ny lm hereunder s not overed y ths Seton of ths Poly (or s overed only up to Lmt of Llty s stted n the Shedule), the urden of provng tht suh lm hereunder s overed (or s overed eyond tht Lmt of Llty) shll e upon the Insured. Seton 7 Condtons Seton 7 Exlusons Ths Seton does not over ny lm of whtsoever nture dretly or ndretly used y or osoned y or hppenng through or n onsequene of: 1 heml, ologl or rdotve ontmnton from: the rdotve, tox, explosve or other hzrdous propertes of ny explosve nuler ssemly or nuler omponent thereof; onsng rdton or ontmnton y rdotvty or from the omuston of ny rdotve mterl; heml nd/or ologl nd/or rdologl rrtnts ontmnnts or pollutnts; n respet only of resdentl property houses nd loks of flts nd other dwellngs nsured n the nme of prvte ndvdul; 2 rot, vl ommoton, wr, nvson, ts of foregn enemes, hostltes or wrlke opertons (whether wr e delred or not), vl wr, mutny, vl ommoton ssumng the proportons of or mountng to populr rsng, mltry rsng, nsurreton, reellon, revoluton, mltry or usurped power, mrtl lw, onfston or ntonlston or requston or sezure or destruton of or dmge to property y or under the order of ny Government or pul or lol uthorty; 3 rsng out of Mrne, Avton, Trnst nd Motor Certftes or Poles; 4 eletron, dgtl or yer rsks tht s ny loss whtsoever dretly or ndretly used y or ontruted to y or rsng from or osoned y or resultng from: The Insurne provded y ths Seton shll e sujet to ll lmts, terms, ondtons nd exlusons of ths Poly exept tht the followng shll not pply: 1 ny long term greement or undertkng; 2 ny terms n the Poly whh provde for djustments of premum sed upon delrtons on expry or durng the Perod of Insurne; dmge to ny omputer or other equpment or omponent or system or tem whh proesses, stores, trnsmts or reeves dt or ny prt thereof, whether tngle or ntngle (nludng ut wthout lmtton ny nformton or Progrmme(s) or Softwre) nd whether the property of the Insured or not, where suh dmge s used y Vrus or Smlr Mehnsm or Hkng or Denl of Serve Attk; or 3 ny extenson of Premses to lotons outsde Englnd nd Wles nd Sotlnd; 4 ny Generl or Seton Exlusons elsewhere n ths Poly (other thn those stted s Seton 7 Exlusons). onsequentl loss dretly or ndretly used y or rsng from Vrus or Smlr Mehnsm or Hkng or Denl of Serve Attk. Motor Trde Insurne 47

48 Seton 8 Employers Llty The Cover The Insurers shll ndemnfy the Insured nd ny Addtonl Insured: 1 gnst legl llty for dmges nd lmnt s osts nd expenses n respet of Injury sustned y ny Person Employed used durng the Perod of Insurne wthn the Terrtorl Lmts nd rsng out of nd n the ourse of employment y the Insured n the Busness; 2 n respet of Legl Costs n onneton wth ny Event whh s or my e the sujet of ndemnty under 1 ove. The Insurers shll not ndemnfy the Insured n respet of ny judgement, wrd or settlement mde n ny ountry or terrtory outsde Gret Brtn, Northern Irelnd, the Chnnel Islnds, the Isle of Mn or n respet of ny order mde nywhere n the world to enfore suh judgement, wrd or settlement ether n whole or n prt unless the Insured hs requested tht there shll e no suh lmtton nd hs epted the lmts, terms, ondtons nd exlusons offered y the Insurers n grntng suh over, whh offer nd eptne must e sgnfed y n Endorsement tthng to ths Poly. Lmt of Llty Irrespetve of: 1 the numer of prtes nd/or enttes enttled to ndemnty; 2 the numer of lmnts; the llty of the Insurers under ths Seton nludng ll Extensons n respet of or rsng from ny one lm or seres of lms gnst the Insured rsng out of one Event shll not exeed the Lmt of Llty s stted n the Shedule. Notwthstndng the provsons of Generl Exluson 11 Terrorsm, ths Seton provdes over gnst legl llty for dmges nd lmnt s osts nd expenses n respet of Injury sustned y Persons Employed used s result of Terrorsm durng the Perod of Insurne wthn the Terrtorl Lmts up to lmt of 5,000,000 n respet of ny one Event. The followng Extenson shll pply, sujet lwys to the lmts, terms, ondtons nd exlusons of ths Seton nd the Poly. Unstsfed Court Judgements If judgement for dmges otned: Seton 8 Extenson y ny Person Employed or the personl representtve(s) of ny Person Employed n respet of Injury sustned y the Person Employed used durng the Perod of Insurne nd rsng out of nd n the ourse of employment y the Insured n the Busness; gnst ny ompny, prtnershp or lmted llty prtnershp or ndvdul opertng from premses n Gret Brtn, Northern Irelnd, the Chnnel Islnds or the Isle of Mn; n ny ourt wthn the terrtores spefed n ove remns unstsfed n whole or n prt 6 (sx) months fter the dte of suh judgement, then t the request of the Insured the Insurers shll py to the Person Employed or the personl representtve(s) of the Person Employed the mount of ny suh dmges nd ny wrded osts nd expenses (ut exludng ny nterest whh my rue fter the dy of judgement) to the extent tht they remn unstsfed provded tht there s no ppel outstndng gnst the judgement. If ny pyment s mde y the Insurers under the terms of ths Extenson, the Person Employed or the personl representtve(s) of the Person Employed shll ssgn the eneft of the unstsfed mount of the judgement nd wrded osts nd expenses to the Insurers nd wll gve ll nformton nd ssstne requred. Seton 8 Exlusons Ths Seton shll not pply to legl llty for dmges nd lmnt s osts nd expenses nd/or Legl Costs n respet of: 1 Rod trff legslton: Injury for whh the Insured s requred to rrnge motor nsurne or seurty n ordne wth ny rod trff legslton wthn the Terrtorl Lmts. 2 Offshore work: Injury sustned y ny Person Employed whlst Offshore. 3 Medl nd reptrton osts: medl osts or medl expenses; reptrton osts or reptrton expenses; Motor Trde Insurne 48

49 nurred y ny Person Employed whlst outsde Gret Brtn, Northern Irelnd, the Chnnel Islnds or the Isle of Mn. Seton 8 Condton The ndemnty grnted y ths Seton s deemed to e n ordne wth the requrements of ny legslton ented n Gret Brtn, Northern Irelnd, the Chnnel Islnds or the Isle of Mn reltng to the ompulsory nsurne of legl llty to employees. The Insured shll repy to the Insurers ll sums pd under ths Poly whh the Insurers would not hve een lle to py ut for the provsons of suh legslton. Motor Trde Insurne 49

50 Seton 9 Pul Llty The Cover The Insurers shll ndemnfy the Insured nd ny Addtonl Insured: 1 gnst legl llty for dmges nd lmnt s osts nd expenses n respet of: dentl Injury sustned y ny person; dentl Dmge to Property; dentl Nusne; ourrng durng the Perod of Insurne wthn the Terrtorl Lmts n onneton wth the Busness; 2 n respet of Legl Costs n onneton wth ny Event whh s or my e the sujet of ndemnty under 1 ove. The Insurers shll not ndemnfy the Insured n respet of ny judgement, wrd or settlement mde n ny ountry or terrtory whh opertes under the lws of the Unted Sttes of Amer or Cnd or n respet of ny order mde nywhere n the world to enfore suh judgement, wrd or settlement ether n whole or n prt unless the Insured hs requested tht there shll e no suh lmtton nd hs epted the lmts, terms, ondtons nd exlusons offered y the Insurers n grntng suh over, whh offer nd eptne must e sgnfed y n Endorsement tthng to ths Poly. Lmt of Llty 1 Irrespetve of: the numer of prtes nd/or enttes enttled to ndemnty; the numer of lmnts; the llty of the Insurers under ths Seton nludng ll Extensons n respet of ny one Event shll not exeed the Lmt of Llty s stted n the Shedule. 2 Legl Costs pyle y the Insurers shll e pd n ddton to the Lmt of Llty unless s otherwse stted n the Shedule, provded tht: f pyment of dmges nd/or lmnt s osts nd expenses exeedng the Lmt of Llty hs to e mde y the Insurers to dspose of ny lm; nd the Insurers re lle to py Legl Costs n ddton to the Lmt of Llty; then the llty of the Insurers for Legl Costs shll e lmted to suh proporton s the Lmt of Llty ers to the mount pd y the Insurers to dspose of suh lm. Nothng ontned n ths luse shll e onstrued to vry or overrde Condton 2 of Setons 8, 9 nd 10 of ths Poly. Seton 9 Extensons The followng Extensons shll pply, sujet lwys to the lmts, terms, ondtons nd exlusons of ths Seton nd the Poly. 1 Cross Lltes If the Insured omprses more thn one prty nd/or entty the Insurers shll ndemnfy eh n the sme mnner nd to the sme extent s f seprte Poly hd een ssued to eh. Provded tht the llty of the Insurers shll not exeed the Lmt of Llty stted n the Shedule regrdless of the numer of prtes nd/or enttes enttled to ndemnty. 2 Contngent Motor Llty Notwthstndng Seton Exluson 4, the Insurers shll ndemnfy the Insured (nd no other) gnst legl llty for dmges nd lmnt s osts nd expenses rsng out of the use nd n the ourse of the Busness of ny mehnlly propelled vehle not the property of nor provded y the Insured. Ths Extenson shll not pply to legl llty for dmges nd lmnt s osts nd expenses: d rsng whle suh vehle s eng drven y the Insured or ny Addtonl Insured; n respet of loss of or dmge to suh vehle or to ny property onveyed theren; rsng out of the use of ny suh vehle owned or provded y ny prnpl for whom the Insured s workng or ny suontrtor tng for or on ehlf of the Insured; rsng outsde Gret Brtn, Northern Irelnd, the Chnnel Islnds nd the Isle of Mn; e notwthstndng Condton 3 to Setons 8, 9 nd 10, where ndemnty s provded y ny other nsurne; f g used or rsng whlst suh vehle s engged n rng, pe-mkng, rellty trls or speed testng; used or rsng whlst suh vehle s eng drven wth the generl onsent of the Insured or ther representtve y ny person who to the knowledge of the Insured or other suh representtve does not hold lene to drve suh vehle, unless suh person hs held nd s not dsqulfed from holdng or otnng suh lene. Motor Trde Insurne 50

51 3 Overses Personl Llty Indemnty The Insurers shll ndemnfy the Insured nd, f the Insured so requests ny dretor or prtner of the Insured or Person Employed gnst legl llty for dmges nd lmnt s osts nd expenses nurred n personl pty whle temporrly outsde Gret Brtn, Northern Irelnd, the Chnnel Islnds or the Isle of Mn ut exludng ny ountry or terrtory whh opertes under the lw of the Unted Sttes of Amer or Cnd n onneton wth the Busness. Ths Extenson wll not pply to legl llty for dmges nd lmnt s osts nd expenses: rsng out of the ownershp or oupton of lnd or uldngs; notwthstndng Condton 3 to Setons 8, 9 nd 10, where ndemnty s provded y ny other nsurne. 4 Dt Proteton The Insurers shll ndemnfy the Insured nd, f the Insured so requests ny dretor or prtner of the Insured or Person Employed gnst legl llty for dmges nd lmnt s osts nd expenses rsng out of ny lm under Seton 13 of the Dt Proteton At 1998, or ny susequent mendng legslton frst mde gnst the Insured durng the Perod of Insurne. For the purposes of ths Extenson only dmge nd/or dstress wthn the menng of suh At shll e deemed to e Injury provded tht the Insured: s regstered n ordne wth the terms of suh At or hs ppled for regstrton, whh hs not een refused or wthdrwn; hs tken ll resonle re to omply wth the requrements of suh At. Ths Extenson shll not pply to: v v the osts of replng, rensttng, retfyng or ersng dt; legl llty for dmges nd lmnt s osts nd expenses rsng from or used y ny delerte t or omsson of the Insured or ny person enttled to ndemnty f the result thereof ould resonly hve een expeted y the Insured or suh other person hvng regrd to the nture nd rumstnes of suh t or omsson; fnes or penltes of ny knd; lms rsng out of rumstnes notfed to prevous nsurers or known to the Insured t the nepton of ths Poly; legl llty for dmges nd lmnt s osts nd expenses n respet of whh ndemnty s provded y ny other nsurne. 5 Defetve Premses At The Insurers shll ndemnfy the Insured gnst dmges nd lmnt s osts nd expenses rsng out of legl llty n respet of dentl Injury or dentl Dmge to Property nurred y the Insured y vrtue of Seton 3 of the Defetve Premses At 1972 or Seton 5 of the Defetve Premses (Northern Irelnd) Order 1975 n onneton wth premses dsposed of y the Insured. Ths Extenson wll not pply to legl llty: for the osts of remedyng ny defet or lleged defet n premses dsposed of y the Insured; notwthstndng Condton 3 to Setons 8, 9 nd 10, where ndemnty s provded y ny other nsurne. 6 Indemnty to Prnpls The Defnton of Addtonl Insured extends to nlude ny Prnpl for whom the Insured s rryng out ontrt ut only to the extent requred y suh ontrt nd only f the Insured would hve een enttled to ndemnty under ths Poly notwthstndng suh ontrt provded tht the Prnpl wll omply wth nd e sujet to ll terms, ondtons nd exlusons n ths Poly nd the full ondut nd ontrol of ll lms s vested n the Insurers. 7 Wrongful Arrest Ths Seton s extended to nlude the Insured s llty rsng out of wrongful detenton, flse or mlous rrest, mlous proseuton or flse mprsonment rsng out of ny uston of shoplftng, theft, dshonesty or other mproper ondut y ny person nd ourrng on or out the Premses. 8 Compenston for Loss of Use- Customer s Vehle Followng Dmge to ustomer s vehle for whh the Insurers hve dmtted llty under Seton 2 Property Dmge All Rsks the Insurers wll ndemnfy the Insured n respet of ther legl llty to py for loss of use of suh ustomer s vehle. 9 Fnnl Loss The Insurers wll ndemnfy the Insured gnst legl llty for dmges nd lmnts osts nd expenses nurred n respet of fnnl loss: sustned y the purhser of ny vehle, spre prt, essory or fuel for ny motor vehle; rsng from lterton, nspeton, repr, serve or mntenne of ny vehle hppenng n onneton wth the Busness. The Insurers shll not e lle for: the frst 250 or 10% of eh nd every lm whhever s the greter; ny mount exeedng 100,000 n respet of ny one Ourrene or n the ggregte n respet of ll lms mde gnst the Insured durng the Perod of Insurne; Motor Trde Insurne 51

52 Injury or Dmge to Property; v llty whh tthes solely euse of ontrt. 10 Llty for Motor Adents Notwthstndng Seton Exluson 4 nd provded the Insured s not more speflly nsured under ny other poly the Insurers wll ndemnfy the Insured n the terms of ths Poly n respet of Injury or Dmge to Property: used y ny motor vehle owned y or n the possesson of or eng used y or on ehlf of the Insured whh s: not lensed for rod use nd whh s eng used n rumstnes whh do not requre nsurne or seurty under ny rod trff legslton; desgned or dpted prmrly for use s tool ut ths ndemnty shll not pply to llty n respet of whh ny rod trff legslton requres nsurne or seurty; rsng durng the t of lodng or unlodng motor vehle or the rngng to or tkng wy of lod from suh vehle. 11 Motor Trde Grge Rsks Notwthstndng the provsons of ths Poly the over provded under Seton 9 wll ndemnfy the Insured gnst ny legl llty for dmges nd lmnt s osts nd expenses n onneton wth servng, lterton, repr nd mntenne y the Insured or ny Person Employed of motor vehles t the Insured s Premses n respet of: Injury; dmge to ny motor vehle (nludng ts essores nd spre prts whle thereon) held n trust y or n the ustody or ontrol of the Insured; ourrng durng the Perod of Insurne nywhere wthn the Terrtorl Lmts. Lmt of Llty Applle to ths Extenson The lmt of the Insurers llty n respet of ths Extenson shll not exeed 1,000,000 ny one Ourrene nd n the ggregte durng the Perod of Insurne. Exlusons Applle to ths Extenson The Insurers shll not e lle n respet of: 1 the ost or expense of retfyng ny defetve workmnshp ut not exludng llty rsng n onsequene thereof; 2 ny llty whh tthes y vrtue of n greement ut whh would not hve tthed n the sene of suh greement; 3 llty ompulsorly nsurle under the provsons of ny Rod Trff At; 4 llty rsng from ny vehle worked upon fter t hs esed to e n the possesson of the Insured other thn s provded for n 1) ove; 5 loss of or dmge to the Insured s own vehles; 6 llty rsng n onneton wth the use of the Insured s own vehles; 7 ny loss rsng s result of the deepton of the Insured or ny Person Employed y thrd prty. Seton 9 Exlusons Ths Seton shll not pply to legl llty for dmges nd lmnt s osts nd expenses nd/or Legl Costs: 1 Injury Sustned y Persons Employed for Injury sustned y ny Person Employed rsng out of nd n the ourse of employment y the Insured n the Busness; 2 Produt dretly or ndretly used y, rsng from or n onneton wth ny Produt(s) (other thn food or drnk for onsumpton on the Insured s Premses); 3 Polluton or Contmnton dretly or ndretly used y, rsng from or n onneton wth Polluton or Contmnton; 4 Vehles rsng out of the ownershp, possesson or use of ny mehnlly propelled vehle y or on ehlf of the Insured n rumstnes where nsurne or seurty s requred under the provsons of ny rod trff legslton ut ths Exluson shll not pply to: mehnl plnt whle opertng s tool of trde; the lodng or unlodng of ny vehle; exept n respet of legl llty for whh: nsurne or seurty s requred y lw; 5 Vessels nd Crft ndemnty s provded y ny motor nsurne ontrt; rsng out of the ownershp, possesson or use y or on ehlf of the Insured of ny vessel or rft desgned to trvel n, on or through wter nd/or r nd/or spe ut ths Exluson shll not pply to wterorne rft not exeedng 4 (four) metres n length on nlnd or Unted Kngdom terrtorl wters; Motor Trde Insurne 52

53 6 Property n the Cre, Custody or Control of the Insured n respet of Dmge to Property whh t the tme of the Event gvng rse to suh llty s the property of or held n trust y or n the re, ustody or ontrol of the Insured or ny Person Employed other thn: personl effets nludng vehles nd ther ontents of ny Person Employed or ny dretor or prtner of or vstor to the Insured; premses nludng ther ontents not owned y or lesed or rented to the Insured ut temporrly ouped y the Insured for the purposes of undertkng work n onneton wth the Busness; premses nd ther fxtures nd fttngs lesed or rented to the Insured provded tht where suh llty hs een epted y greement, ndemnty shll only e provded y the Insurers to the extent tht suh llty would hve tthed n the sene of the sd greement; 7 Work Offshore rsng from or n onneton wth ny work undertken Offshore; 8 Wr dretly or ndretly osoned y, hppenng through or n onsequene of wr, nvson, t of foregn enemy, hostltes, vl wr, reellon, revoluton, nsurreton or mltry or usurped power, whether wr e delred or not; 9 Cyer Lltes n respet of ny lm or loss: rsng from loss, lterton or mprment of, or dmge to, nformton nd/or dt n eletron form; rsng from mlous ts of ny person rred out y eletron mens; for defmton or hrssment rred out y eletron mens; ut ths Exluson shll not pply n respet of llty for ny ensung dentl Injury (sve for mentl njury or mentl dsese) or Dmge to Property whh s not otherwse exluded. Motor Trde Insurne 53

54 Seton 10 Produts Llty The Cover The Insurers shll ndemnfy the Insured nd ny Addtonl Insured: 1 gnst legl llty for dmges nd lmnt s osts nd expenses n respet of: dentl Injury sustned y ny person; dentl Dmge to Property; hppenng durng the Perod of Insurne nd used y ny Produt(s); 2 n respet of Legl Costs n onneton wth ny Event whh s or my e the sujet of ndemnty under 1 ove. The Insurers wll not ndemnfy the Insured n respet of ny judgement wrd or settlement mde n ny ountry or terrtory whh opertes under the lws of the Unted Sttes of Amer or Cnd or n respet of ny order mde nywhere n the world to enfore suh judgement, wrd or settlement ether n whole or n prt unless the Insured hs requested tht there shll e no suh lmtton nd hs epted the lmts, terms, ondtons nd exlusons offered y the Insurers n grntng suh over, whh offer nd eptne must e sgnfed y n Endorsement tthng to ths Poly. Lmt of Llty 1 Irrespetve of: the numer of prtes nd/or enttes enttled to ndemnty; the numer of lmnts; the llty of the Insurers under ths Seton nludng ll Extensons n respet of ny one Event nd n the ggregte shll not exeed the Lmt of Llty s stted n the Shedule nd n the ggregte. 2 Legl Costs pyle y the Insurers shll e pd n ddton to the Lmt of Llty unless s otherwse stted n the Shedule, provded tht: f pyment of dmges nd/or lmnt s osts nd expenses exeedng the Lmt of Llty hs to e mde y the Insurers to dspose of ny lm; nd the Insurers re lle to py Legl Costs n ddton to the Lmt of Llty; then the llty of the Insurers for Legl Costs shll e lmted to suh proporton s the Lmt of Llty ers to the mount pd y the Insurers to dspose of suh lm. Nothng ontned n ths luse shll e onstrued to vry or overrde Condton 2 of Setons 8, 9 nd 10 of ths Poly. Seton 10 Extensons The followng Extensons shll pply, sujet lwys to the lmts, terms, ondtons nd exlusons of ths Seton nd the Poly. 1 Consumer Proteton At nd Food Sfety At Legl Defene Costs The Insurers shll ndemnfy the Insured nd, f the Insured so requests ny Person Employed or ny dretor or prtner of the Insured n respet of Legl Costs nurred wth the wrtten onsent of the Insurers n the defene of ny rmnl proeedngs rought or n n ppel gnst onvton rsng from suh proeedngs n respet of reh of: Prt 2 of the Consumer Proteton At 1987; or Prt 2 of the Food Sfety At 1990; rsng out of the Busness. Ths Extenson wll not pply: to fnes or penltes of ny knd; to proeedngs onsequent upon ny delerte t or omsson y: the Insured; or ny prtner or dretor or Person Employed of the Insured; whh ould resonly hve een expeted to onsttute reh of pplle legslton hvng regrd to the nture nd rumstnes of suh t or omsson; notwthstndng Condton 3 to Setons 8, 9 nd 10, where ndemnty s provded y ny other nsurne. 2 Cross Lltes If the Insured omprses more thn one prty nd/or entty the Insurers shll ndemnfy eh n the sme mnner nd to the sme extent s f seprte Poly hd een ssued to eh. Provded tht the llty of the Insurers shll not exeed the Lmt of Llty stted n the Shedule regrdless of the numer of prtes nd/or enttes enttled to ndemnty. Motor Trde Insurne 54

55 Seton 10 Exlusons Ths Seton shll not pply to legl llty for dmges nd lmnt s osts nd expenses nd/or Legl Costs: 1 Produt(s) n respet of loss of or dmge to ny Produt(s) used y ny defet theren or the unsutlty thereof for ts ntended purpose; n respet of the osts of rell, removl, repr, lterton, reondtonng, replement, rensttement, reduton n vlue or mkng ny refund n respet of ny Produt(s) used or neesstted y the defetve ondton or unsutlty of ny Produt(s) or prt of suh Produt(s) to fulfl ts ntended purpose; 2 Arrft nd Mrne Produts rsng from or n onneton wth ny Produt(s) whh to the knowledge of the Insured s or re for use n or norporton nto ny rft desgned to trvel n, on or through r or spe or n the sfety or nvgton of mrne rft of ny sort; 3 Polluton or Contmnton dretly or ndretly used y, rsng from or n onneton wth Polluton or Contmnton; 4 Contrtul Llty n respet of llty ssumed under ontrt or greement whh would not hve tthed n the sene of suh ontrt or greement; 5 Food nd Drnk dretly or ndretly used y, rsng from or n onneton wth food or drnk for onsumpton on the Insured s Premses. 6 Wr dretly or ndretly osoned y, hppenng through or n onsequene of wr, nvson, t of foregn enemy, hostltes, vl wr, reellon, revoluton, nsurreton or mltry or usurped power, whether wr e delred or not Motor Trde Insurne 55

56 The followng Extensons shll pply, sujet lwys to the lmts, terms, ondtons nd exlusons of Setons 8, 9 nd 10 nd the Poly. 1 Helth nd Sfety t Work Legl Defene Costs Sujet to the wrtten onsent nd the ontrol of the Insurers, the Insurers shll ndemnfy the Insured nd f the Insured so requests ny Person Employed or dretor or prtner of the Insured n respet of Legl Costs nurred n the defene of ny rmnl proeedngs rought or n n ppel gnst onvton rsng from suh proeedngs n respet of reh of ny Applle Legslton provded tht n offene s lleged to hve een ommtted durng the Perod of Insurne n the ourse of the Busness. Ths Extenson shll not pply to: Setons 8, 9 nd 10 Extensons fnes or penltes of ny knd; proeedngs onsequent upon ny delerte t or omsson y: the Insured; or ny prtner, dretor or Person Employed of the Insured; whh ould resonly hve een expeted to onsttute reh of the Applle Legslton hvng regrd to the nture nd rumstnes of suh t or omsson. where ndemnty s provded y ny other Insurne. For the purposes of ths Extenson Applle Legslton shll men: the Helth & Sfety t Work At 1974 nd ny mendng nd/or susequent legslton; the Helth & Sfety t Work (Northern Irelnd) Order 1978 nd ny mendng nd/or susequent legslton. 2 Compenston for Court Attendne If t the request of the Insurers ny dretor or prtner of the Insured or ny Person Employed shll ttend ourt s wtness n onneton wth lm n respet of whh the Insured s enttled to ndemnty under these Setons the Insurers shll provde ompenston to the Insured t the followng rtes per dy for eh dy on whh ttendne s requred. Any dretor or prtner of the 500 Insured Any other Person Employed 250 The followng Extenson shll pply, sujet lwys to the lmts, terms, ondtons nd exlusons of Setons 9 nd 10 nd the Poly. 1 Polluton or Contmnton Notwthstndng Exluson 3 of Seton 9 nd Exluson 3 of Seton 10 the Insurers wll ndemnfy the Insured nd ny Addtonl Insured gnst legl llty for dmges nd lmnt s osts nd expenses n respet of Polluton or Contmnton wthn the Terrtorl Lmts n onneton wth the Busness provded lwys tht: Setons 9 nd 10 Extenson Polluton or Contmnton s used y sudden, dentfle, unntended nd unexpeted hppenng, whh tkes ple n ts entrety t spef tme nd ple durng the Perod of Insurne; No ndemnty shll e provded n respet of tvtes ommened y or on ehlf of the Insured pror to nepton of the Perod of Insurne or ny perod of ontnuous Insurne pror to nepton of the Perod of Insurne pled under Brt Insurne Lmted. All Polluton or Contmnton whh rses out of sudden, dentfle, unntended nd unexpeted hppenng, whh tkes ple n ts entrety t spef tme nd ple durng the Perod of Insurne shll e deemed y the Insurers for the purposes of ths Poly to hve een used t the tme suh hppenng tkes ple. The totl llty of the Insurers for ll events greed y the Insurers to hve hppened durng the Perod of Insurne n respet of Polluton or Contmnton shll not exeed the Lmt of Llty spefed n the Shedule for Seton 9 n the ggregte for Setons 9 nd 10 n respet of the Perod of Insurne, nlusve of Legl Costs. Setons 8, 9 nd 10 Condtons 1 Exess(es) No ndemnty shll e provded untl the pplle Exess(es) for ny lm hs een pd to nd reeved y the Insurers. 2 Dshrge of Llty In respet of ny lm(s) gnst the Insured to whh Lmt of Llty pples, the Insurers my t ny tme py the mount of suh Lmt fter deduton of ny sums lredy pd or nurred or ny lesser mount for whh t the solute dsreton of the Insurers, suh lm(s) n e settled. The Insurers shll relnqush ontrol of the sd lm(s) nd e under no further llty n respet thereof exept for Legl Costs for whh the Insurers my e responsle pror to the dte of suh pyment unless the Lmt of Llty s nlusve of Legl Costs. Motor Trde Insurne 56

57 3 Other Insurnes If t the tme of ny lm(s) overed y ths Poly there s, or ut for the exstene of ths Poly would e ny other nsurne overng the sme legl llty the ndemnty fforded y ths Poly wll not pply exept n respet of ny mount eyond tht whh would hve een pyle under suh other nsurne hd ths Poly not een effeted nd shll e sujet to the Lmt of Llty s stted n the Shedule. Setons 8, 9 nd 10 Exlusons Setons 8, 9 nd 10 of ths Poly shll not pply to legl llty: 1 Rdotve Contmnton dretly or ndretly used y or ontruted to, y or rsng from: onsng rdton or ontmnton y rdotvty from ny nuler fuel or from ny nuler wste from the omuston of nuler fuel; the rdotve, tox, explosve or other hzrdous propertes of ny explosve nuler ssemly or nuler omponent thereof; spefton; provded for fee. 6 Exess(es) for the mount of the Exess(es) s stted n the Shedule for eh Opertve Seton. 7 Employment Prte Llty dretly or ndretly osoned y, hppenng through or n onsequene of ny lm for reh of employment ontrt, defmton, dsrmnton nd/or hrssment nd/or n relton to the hrng, supervson, retenton nd/or personl development of ny dretor or prtner of the Insured nd/or Persons Employed howsoever rsng. 8 North Amern Asolute Envronmentl Imprment Exluson wth regrd to ll opertons loted wthn the Unted Sttes of Amer or Cnd: for Injury or fnnl loss, loss of or dmge to, or loss of use of property dretly or ndretly rsng out of the tul, lleged or thretened dshrge, dspersl, relese or espe of Pollutnts: the rdotve, tox, explosve or other hzrdous or ontmntng propertes of ny explosve nuler nstllton, retor or other nuler ssemly or nuler omponent thereof; ut n respet of Seton 8 only, ths Exluson shll pply only where suh legl llty s: t or from premses tht re the property of, rented or ouped y the Insured; t or from ny ste or loton used y or for the Insured or others for the hndlng, storge, dsposl, proessng or tretment of wste; tht of ny prnpl; epted under greement nd would not hve tthed n the sene of suh greement. whh re t ny tme trnsported, hndled, stored, treted, dsposed of or proessed s wste y or for the Insured or ny person or orgnston for whom the Insured my e leglly responsle; 2 Puntve nd Exemplry Dmges for puntve, exemplry or ggrvted dmges or ny dmges resultng from the multplton of ompenstory dmges or ny ompenston ordered y the Crmnl Courts. 3 Fnes, Lqudted Dmges, Penlty Cluses nd Performne Wrrntes for fnes, lqudted dmges, penlty luses or performne wrrntes. 4 Defmton n respet of ny form of defmton. 5 Professonl Serves rsng from or n onneton wth: dve; desgn; v t or from ny ste or loton on whh the Insured or ny ontrtors or su-ontrtors workng dretly or ndretly on ehlf of the Insured re performng opertons: f the Pollutnts re rought on or to the ste or loton n onneton wth suh opertons; or f the opertons re to test for, montor, len up, remove, ontn, tret, detoxfy or neutrlse the Pollutnts. for ny loss, ost or expense rsng out of ny governmentl dretve or request tht the Insured test for, montor, len up, remove, ontn, tret, detoxfy or neutrlse the Pollutnts; for fnes, penltes, puntve or exemplry dmges rsng dretly or ndretly out of the dshrge, dspersl, relese or espe of Pollutnts. Motor Trde Insurne 57

58 9 North Amern Compnes rsng from or n onneton wth ny ompny domled or regstered n the Unted Sttes of Amer or Cnd or ther terrtores or possessons. Motor Trde Insurne 58

59 Seton 11 Group Personl Adent The Cover The Insurers herey gree wth the Insured, to the extent nd n the mnner heren provded, tht f the Insured Person sustns Bodly Injury ourrng nywhere wthn the Geogrphl Lmts nd durng the Perod of Insurne, the Insurers wll py to the Insured, or to the Insured Person s exeutors or dmnstrtors, ordng to the Shedule of Compenston, fter the totl lm shll e sustned under ths Insurne, sujet lwys to the lmts, terms, ondtons nd exlusons of ths Seton nd the Poly. Provded lwys tht: 1 ompenston shll not e pyle under more thn one of the tems of the Shedule of Compenston n respet of the onsequenes of the sme Adent; 2 the totl sum pyle under ths Insurne n respet of ny one or more lms shll not exeed n ll n ny one Perod of Insurne the lrgest mount under ny one of the tems ontned n the Shedule of Compenston or dded to ths Insurne y Endorsement. Seton 11 Shedule of Compenston Shedule of Compenston Item 1 Deth, Permnent Totl Dslement or permnent Loss of Sght nd/or Loss of Lms: Item 2 Temporry Prtl Dslement (so long s suh Dslement ontnues): Item 3 Temporry Totl Dslement (so long s suh Dslement ontnues): Beneft 10,000 for ny one Insured Person 50 per week for mxmum of 104 (one hundred nd four) onseutve weeks for ny sngle Dslement overed hereunder. 100 per week for mxmum of 104 (one hundred nd four) onseutve weeks for ny sngle Dslement overed hereunder. of the totl mount of ny lm dmtted under Items 2 or 3 ove. Seton 11 Exlusons Ths Insurne does not over deth or dslement dretly or ndretly resultng from or onsequent upon: 1 wr, nvson, ts of foregn enemes, hostltes (whether wr e delred or not), vl wr, reellon, revoluton, nsurreton or mltry or usurped power; 2 the Insured Person enggng n or tkng prt n: d e nvl, mltry or r fore serve or opertons; wnter sports (other thn sktng nd urlng); skn dvng nvolvng the d of rethng pprtus, rok lmng or mountneerng normlly nvolvng the use of ropes or gudes, potholng, prhutng, huntng on horsek or drvng or rdng n ny knd of re; drvng or rdng on motor yles or motor sooters other thn mopeds; ny lesure pursuts orgnsed y the Insured n the ourse of the Insured Person s employment; 3 the Insured Person enggng n Ar Trvel, exept s pssenger n properly lensed mult-engned rrft eng operted y lensed ommerl r rrer or owned nd operted y ommerl onern; 4 sude or ttempted sude or ntentonl self-njury or the Insured Person eng n stte of nsnty; 5 delerte exposure to exeptonl dnger (exept n n ttempt to sve humn lfe) or the Insured Person's own rmnl t; 6 the Insured Person eng under the nfluene of lohol; 7 the Insured Person eng under the nfluene of drugs or nrots tht re not lwfully vlle, unless presred for the Insured Person y duly qulfed medl prttoner; 8 ny pre-exstng defet, nfrmty or dsese. Medl expenses nurred y the Insured Person followng n Adent up to ut not exeedng 15% (ffteen perent) Motor Trde Insurne 59

60 Seton 11 Condtons 1 If the Insured Person shll engge n ny oupton n whh greter rsk my e nurred thn n the oupton dslosed n ths Insurne wthout frst notfyng the Insurers nd otnng ther wrtten greement to the mendment of the Insurne (sujet to the pyment of suh resonle ddtonl premums s the Insurers my requre s the onsderton for suh greement), then no lm shll e pyle n respet of ny Adent rsng out of or n the ourse of suh oupton. 2 If the onsequenes of n Adent shll e ggrvted y ny physl dslty or ondton of the Insured Person whh exsted efore the Adent ourred, the mount of ny ompenston pyle under ths Insurne n respet of the onsequenes of the Adent shll e the mount whh t s resonly onsdered would hve een pyle f suh onsequenes hd not een so ggrvted. 3 Immedte note must e gven to the Insurers of ny Adent of the Insured Person whh uses or my use dslement wthn the menng of ths Insurne, nd the Insured Person must s erly s possle ple themself under the re of duly qulfed medl prttoner. Immedte note must e gven to the Insurers n the event of the deth of the Insured Person resultng or lleged to result from n Adent. In no se wll the Insurers e lle to py ompenston to the Insured or ther representtves unless the medl dvser or dvsers pponted y the Insurers for the purpose shll e llowed so often s my e deemed neessry to mke n exmnton of the Insured Person. 4 Any frud, ms-sttement or onelment ether n the Sttement of Ft on whh ths Insurne s sed or n relton to ny other mtter ffetng ths Insurne or n onneton wth the mkng of ny lm hereunder shll render ths Insurne null nd vod nd ll lms hereunder shll e forfeted. Motor Trde Insurne 60

61 Seton 12 Legl Expenses The Cover The Insurers gree to ndemnfy the Insured, to the extent spefed n the followng Insurng Cluses, n onneton wth the Busness of the Insured sujet to the terms, ondtons, exlusons nd lmttons n ths Poly nd ts Shedule. Lmt of Llty The Insurers totl llty under ths Poly shll not exeed the mounts spefed n the undernoted tle. Notes All lms rsng under Insurng Cluses 2 Employment Dsputes nd 7 Tx Proteton re to e hndled y n Apponted Representtve hosen y Brt s Clms Admnstrtor. You should refully red the Insurng Cluses of Your Poly for Employment Dsputes mmedtely on eptne to mke sure tht You re n no dout s to when You need to ll the Brt Advsory Serve (see pge 52). For Contrt Dsputes over, plese note tht: there s no over for ny dsputes whh re to e resolved y rtrton; there s no over for ny dsputes n respet of onstruton ontrts wthn the menng defned n prt 2 of the Housng Grnts Construton nd Regenerton At If You re n ny dout, then phone the Brt Advsory Serve, s tkng the wrong ton n jeoprdse ny hne of defendng n employment ton whh my rse n the future. It n lso jeoprdse Your enttlement to over under Your Poly s Your ton (or nton) ould hve ontruted to the lm gnst You. Deleted: If You elet to purhse Insurng Cluses Lmt of Indemnty Exess Inresed Exess Any One Clm Any One Clm Any One Clm 1 Contrt Dsputes 50, ,000 2 Employment Dsputes 50, Not Applle 3 Helth nd Sfety 50, ,000 4 Crmnl Proseuton 50, ,000 5 Property Dsputes 50, ,000 6 Dt Proteton 50, ,000 7 Tx Proteton 50, Not Applle 7 Tx Proteton Aspet Enqury 2, Not Applle Deleted: Avlle Deleted: Avlle Deleted: Avlle 8 Personl Injury 50, ,000 The ggregte lmt of llty for ll lms notfed to Brt s Clms Admnstrtor durng the Perod of Insurne s 500,000. Motor Trde Insurne 61

62 Exess nd Inresed Exess The Insurers shll only e lle under ths Insurne to the extent tht suh llty exeeds the Exess or Inresed Exess s spefed n ths Seton. A seprte Exess or Inresed Exess shll pply to Any One Clm. Insurng Cluses 1 Contrt Dsputes The Insurers gree to ndemnfy the Insured gnst Legl Expenses nurred n the pursut or defene of ny lm or legl proeedngs mde y or rought gnst the Insured wthn the Terrtorl Lmts nd rsng from the Busness tvty of the Insured n dspute wth Contrtng Prty rsng out of ontrt for the sle or supply of goods or serves wthn the menng ld down n the Sle of Goods At 1979 nd the Supply of Goods nd Serves At 1982 nd ny mendng legslton, provded tht: for the provson or prourement of nsurne, redt, seured lendng, or gurntee; where the llty of the Insured or the rght of reovery s nurred through n gent or y ssgnment or surogton; v regulted or lleged to e regulted y the Consumer Credt At 1974 or ny mendng legslton; v of employment; v for the possesson, purhse, sle or use of Property; v n onneton wth or relted to frnhse; v for the sle or use of n nsured Vehle; x of onstruton wthn the menng s defned n prt 2 the Housng Grnts Construton nd Regenerton At 1996; the ndemnty for Legl Expenses nurred under ths luse shll not exeed 75% (seventy-fve perent) of the Sum n Dspute; x ontnng n rtrton luse where the lm s relted to or due to dspute over suh luse; d the mount n dspute exeeds the Mnmum Sum n Dspute; where the dspute reltes to mones owed to the Insured notfton of the lm to the Clms Admnstrtor shll e mde t the sooner of: 30 dys from the dte t whh the det s ontested, or 90 dys from the Due Dte provded tht ll resonle ttempts hve een mde to reover the money owed or negotte resonle settlement wthn those 90 dys; nd the lm s or legl proeedngs re mde y or rought gnst the Insured nd re notfed to the Clms Admnstrtor durng the Perod of Insurne. Exlusons to Insurng Cluse 1 Contrt Dsputes: The Insurers shll not e lle to ndemnfy the Insured n respet of lms rsng out of or n onneton wth: ontrts: performed outsde the Terrtorl Lmts; Motor Trde Insurne 1 neglgent t, error or omsson of type whh ether s, or s normlly, overed under Professonl Indemnty, Dretors nd Offers or smlr Insurne. 2 Employment Dsputes The Insurers gree to ndemnfy the Insured gnst Legl Expenses nd Awrds of Compenston nurred n defendng ny lm or legl proeedngs mde or rought gnst the Insured wthn the Terrtorl Lmts nd rsng from the Busness of the Insured followng dspute wth n Employee nd/or ex Employee nd/or prospetve Employee rsng out of ther ontrt of employment wth the Insured or reh of employment legslton, provded tht: the lm s mde or legl proeedngs re rought gnst the Insured nd s or re notfed to the Clms Admnstrtor durng the Perod of Insurne n ordne wth Seton 12 Condton 1 Notfton; pror to rryng out ny dsplnry proedure or tkng ny dsplnry ton, suh ton s speflly uthorsed y the Brt Advsory Serve; pror to the dsmssl of n Employee, suh dsmssl s speflly uthorsed y the Brt Advsory Serve; Deleted: reh or lleged reh of Professonl Duty owed to or y the Insured. Deleted: nd Deleted: the Insured otns the dve of the Brt Advsory Serve s to the proedure to e dopted nd follows nd ts on tht dve wth due dlgene: Formtted: Indent: Left: 0 m, Hngng: 1.06 m Formtted: Indent: Left: 0 m, Hngng: 1.1 m Deleted:

63 d e f g pror to nsttutng n ndvdul redundny or redundny progrmme the terms, proedure nd pplton of suh ton s speflly uthorsed y the Brt Advsory Serve; upon notfton formlly or nformlly express or mpled of omplnt of sexul nd/or rl nd/or dslty dsrmnton nd/or other unlwful dsrmnton; pror to lterng the terms nd ondtons of employment of n Employee (other thn n respet of nresng ther wges or slry) or refusng to lter the terms nd ondtons of employment when requested to do so y the Employee suh lterton or refusl of lterton s speflly uthorsed y the Brt Advsory Serve; on eomng wre of ny use, event or rumstne tht my resonly e deemed to mount to onstrutve dsmssl nludng sene from work followng n Employee wlkng out wth or wthout wrtten note; The Insured shll otn the dve of the Brt Advsory Serve s to the proedure to e dopted nd shll follow nd t on tht dve wth due dlgene. Exluson to Insurng Cluse 2 Employment Dsputes: The Insurers shll not e lle to ndemnfy the Insured n respet of lms rsng out of or n onneton wth ny usness trnsfer or purported usness trnsfer fllng wthn the sope of the Trnsfer of Undertkngs (Proteton of Employment) Regultons 1981 or the Aqured Rghts Dretve. 3 Helth nd Sfety The Insurers gree to ndemnfy the Insured gnst Legl Expenses nurred n n ppel mde y the Insured wthn the Terrtorl Lmts nd rsng from the Busness of the Insured gnst the serve of n Improvement or Prohton Note under the Helth nd Sfety t Work et At 1974 or the Food Sfety At 1990 or ny mendng legslton provded tht the ppel s mde nd notfed to the Clms Admnstrtor durng the Perod of Insurne. 4 Crmnl Proseuton The Insurers gree to ndemnfy the Insured gnst Legl Expenses nurred n defendng proseuton n ourt of rmnl jursdton rought or ommened gnst the Insured wthn the Terrtorl Lmts nd rsng from the Busness of the Insured provded tht the proseuton s rought or ommened nd notfed to the Clms Admnstrtor durng the Perod of Insurne. Exlusons to Insurng Cluse 4 Crmnl Proseuton Cover: The Insurers shll not e lle to ndemnfy the Insured n respet of ny proseuton rsng out of or n onneton wth: the ownershp, possesson or use of ny vehle; nvestgtons y the Inlnd Revenue, HM Customs & Exse or the Deprtment for Work nd Pensons; n llegton gnst the Insured nvolvng: v v ssult, volene or dshonesty; mlous flsehood; the mnufture, delng n or use of lohol, llegl drugs, ndeent or osene mterls; llegl mmgrton; offenes under Prt 7 of the Proeeds of Crme At 2002 (money lunderng offenes) or ny mendng legslton. 5 Property Dsputes The Insurers gree to ndemnfy the Insured gnst Legl Expenses nurred n the pursut or defene of ny lm or legl proeedngs rought or ommened y or gnst the Insured wthn the Terrtorl Lmts nd rsng from the Busness of the Insured reltng to: d dsputes over the possesson of Property owned, tennted or ouped y the Insured; lms or legl proeedngs gnst the Insured for nusne or trespss to Property owned, tennted or ouped y the Insured; dsputes followng physl dmge to Property owned, tennted or ouped y the Insured; dsputes etween the Insured nd lndlords or tennts nd the otnng nd servng of evton orders. Provded tht: the Insured wll suffer fnnl loss f t fls to pursue or defend the lm or legl proeedngs; nd Deleted: Formtted: Indent: Left: 0 m, Hngng: 1 m Deleted: v Formtted: Indent: Left: 0 m, Hngng: 0.97 m Deleted: Formtted: Indent: Left: 0 m, Hngng: 0.04 m, Ts: Not t 1.52 m Deleted: v Deleted:. Formtted: Indent: Left: 0 m Deleted: Formtted: Indent: Left: 0 m, Hngng: 0.04 m, Ts: 0.93 m, Left + Not t 1.57 m Formtted: Font: Not Bold Deleted: v Deleted:. Deleted: Exluson to Insurng Cluse 3 Helth nd Sfety: The Insurers shll not e lle to ndemnfy the Insured n respet of lms rsng out of or n onneton wth the use or ownershp of Vehle. Motor Trde Insurne 82

64 the lm s mde or legl proeedngs re rought gnst the Insured nd s or re notfed to the Clms Admnstrtor durng the Perod of Insurne. Exlusons to Insurng Cluse 5 Property Dsputes: The Insurers shll not e lle to ndemnfy the Insured n respet of ny lm or legl proeedngs rsng out of or n onneton wth ny dspute: d e onernng Property reltng to mnng, susdene or heve whtever the use of suh mnng, susdene or heve; rsng out of or n onneton wth ontrt other thn lese or lene for the use of Property nd mde etween the Insured nd Contrtng Prty; reltng to the pyment or non-pyment or revew of rent or serve hrges; reltng to plnnng onsents, uldng regultons or ompulsory purhse orders; reltng to the renewl of lese or other ontrt to use the Property. 6 Dt Proteton The Insurers gree to ndemnfy the Insured gnst Legl Expenses nd Compenston Awrds nurred n ny lm or legl proeedngs rought or ommened gnst the Insured wthn the Terrtorl Lmts nd rsng out of the Busness of the Insured rsng from: defendng the Insured from n llegton of reh of the Dt Proteton At 1998 nd ny mendng legslton; ppelng gnst the refusl of n pplton for regstrton, or lterton of regstered prtulrs; or ppelng gnst n Enforement or Deregstrton or Trnsfer Prohton Note; provded tht the lm s mde or legl proeedngs re rought gnst the Insured nd notfed to the Clms Admnstrtor durng the Perod of Insurne. 7 Tx Proteton The Insurers gree to ndemnfy the Insured gnst Professonl Expenses nurred y the Insured rsng out of ny Investgton or Aspet Enqury rought or ommened gnst the Insured wthn the Terrtorl Lmts rsng out of the Busness of the Insured nd notfed to the Clms Admnstrtor durng the Perod of Insurne n ordne wth Seton 12 Condton 1 Notfton, provded tht: HM Revenue & Customs hs gven note of dsstsfton wth the tx return nd/or ounts of the Insured; nd ny suh lm s mde or proeedngs re rought gnst the Insured nd notfed to the Clms Admnstrtor durng the Perod of Insurne. Exlusons to Insurng Cluse 7 Tx Proteton: The Insurers shll not e lle to ndemnfy the Insured n respet of ny Investgton or Aspet Enqury rsng out of or n onneton wth: d e ny dspute referred to or delt wth y the Ntonl Investgtons Serve of HM Revenue & Customs, the Spel Complne Offes of HM Revenue & Customs, the Spel Investgton Seton of HM Revenue & Customs or ny mtter fllng wthn S.60 of the VAT At 1994 or ny mendng legslton; txes, fnes, nterest or ny other dutes or penltes mposed upon the Insured y HM Revenue & Customs or ny ourt or trunl; the preprton, ppel or proessng of ny tx omputton, ssessment, demnd or pyment or routne tretment of txton mtters; ny lm rsng dretly or ndretly from n nspeton, Investgton or Aspet Enqury undertken pror to the ommenement of ths Poly; ny lm rsng dretly or ndretly from the sumsson of returns or ounts where HM Revenue & Customs levy penlty or lm for nterest or whh ontn neglgent mssttements or where the Insured flls elow the stndrd of resonly prudent usnessmn n keepng ooks nd reords. 8 Personl Injury The Insurers gree to ndemnfy the Insured gnst Legl Expenses nurred n the pursut of ny lm or legl proeedngs mde y the Insured wthn the Terrtorl Lmts rsng from the t or omsson y thrd prty whh results n Injury to the Insured provded: the Injury ws sustned y the Insured wy from the Insured s usness premses wthn the Terrtorl Lmts; nd the Injury ours nd s notfed to the Clms Admnstrtor durng the Perod of Insurne. Motor Trde Insurne 82

65 CO-INSURANCE The Insured shll e lle n respet of lms for ndemnty under Insurng Cluse 1 Contrt Dsputes of ths Poly for the proporton of Legl Expenses over nd ove the Exess or Inresed Exess s spefed n the Shedule under the hedng Co- Insurne. Seton 12 Exlusons The Insurers shll not hve ny llty under ths Seton n respet of: 1 the defene of the Insured n vl legl proeedngs rsng from or onneted wth: d deth or njury to ny person nludng (wthout lmtton) ny skness, dsese or ny nturlly ourrng ondton or degenertve proess; loss, destruton or dmge to property owned, ouped or under the ontrol of thrd prty; lleged reh of Professonl Duty; ny tortous llty sve s speflly provded n Insurng Cluse 5 Property Dsputes; 2 ny lms rsng out of the use or lleged use of ny ntelletul property, reh of onfdentlty or nfrngement of rghts to prvy whether relted to use of n ntelletul property rght or not; 3 ny lm rsng out of defmton or lleged defmton; 4 ny lm mde, rought or ommened outsde the Terrtorl Lmts; 5 Legl Expenses nd/or Professonl Expenses nurred efore the Clms Admnstrtor s onsent hs een grnted n wrtng or wthout suh onsent; 6 Awrds of Compenston nd/or Compenston Awrds n ny lm where the pror wrtten onsent of the Clms Admnstrtor hs not een gven for Legl Expenses to e nurred; 7 ny lm n onneton wth or rsng from ny use, event or rumstne ourrng pror to or exstng t nepton of the Poly nd whh the Insured knew or ought resonly to hve known mght gve rse to lm or legl proeedngs y or gnst the Insured; 8 fnes, exemplry nd puntve dmges or other penltes mposed y ourt or trunl; 9 txes, fnes, nterest or ny other dutes or penltes mposed y HM Revenue & Customs; 10 ny lm or legl proeedngs n respet of whh the Insured s, ut for the exstene of ths Poly, enttled to ndemnty under ny other nsurne poly or legl d ertfte or representton order; 11 ny lm rsng out of the delerte, onsous or ntentonl or rekless or neglgent dsregrd y the Insured of the need to tke ll resonle steps to vod nd prevent lms or legl proeedngs. In ths ontext, resonle shll e ssessed y the stndrds of resonle person rryng on the Busness of the Insured; 12 osts wrded gnst the Insured y ourt of rmnl jursdton followng onvton; 13 ny dspute wth government or lol uthorty deprtments onernng the mposton of sttutory hrges; 14 ny dspute etween the Insured nd ny prent, susdry or ssoted ompny or prtner; 15 ny dspute etween the Insured, nd the Insurers, nd/or the Clms Admnstrtor nd/or the Apponted Representtve; 16 ny Legl Expenses, Professonl Expenses, Awrds of Compenston or Compenston Awrds n onneton wth judl revew or referene to the Europen Court of Juste; 17 ny lms or legl proeedngs (nludng ny Legl Expenses or other osts or expenses of ny desrpton) rsng out of or n onneton wth: wr (whether delred or not), nvson, ts of foregn enemy, hostltes, or ny smlr t, ondton or wrlke operton, wrlke ton y regulr or rregulr mltry fore or other uthorty to hnder or defend gnst n tul or expeted ttk; nsurreton, reellon, revoluton, rot, ttempt to usurp power, populr uprsng, or ny ton tken y ny governmentl or mrtl uthorty n hnderng or defendng gnst ny of these; Deleted: Motor Trde Insurne 82

66 dshrge, exploson, or use of wepon of mss destruton, whether or not employng nuler fsson or fuson, or heml, ologl, rdotve or smlr gents, y ny prty t ny tme for ny reson; Any lm notfton under ths Seton must e mde to the Clms Admnstrtor t the ddress stpulted n the Shedule. Other notes under ths Seton shll e deemed to e gven: 18 ny lms or legl proeedngs (nludng ny Legl Expenses or other osts or expenses of ny desrpton) rsng out of or n onneton wth ny terrorst ton (regrdless of ny other use or event ontrutng onurrently or n ny other sequene to the llty) or ny ton tken n ontrollng, preventng or suppressng terrorst ton. If the Insurers llege tht y reson of ths Exluson ny llty or loss s not overed y ths Poly, the urden of provng the ontrry shll e upon the Insured; 19 ny lms or legl proeedngs (nludng ny Legl Expenses or other osts or expenses of ny desrpton) rsng out of or n onneton wth ny polluton, seepge, dshrge, dspersl, relese or espe of ny sold, lqud, gseous or therml rrtnt or ontmnnt nludng, ut not lmted to, smoke, vpours, soot, dust, fres, fung, mould, fumes, ds, lkls, hemls nd wste (nludng ut not lmted to mterl to e reyled, reondtoned or relmed) or ontmnton of ny knd; or onsng rdton or ontmnton y rdotvty from ny nuler fuel or from ny nuler wste or from the omuston of nuler fuel; or rdotve, tox, explosve or other hzrdous propertes of ny explosve. Seton 12 Condtons 1 Notfton It s ondton preedent to the Insurers llty tht the Clms Admnstrtor must e notfed n wrtng mmedtely the Insured s wre of ny use, event or rumstne whh hs gven rse or my gve rse to lm or legl proeedngs nvolvng the Insured s soon s tht use, event or rumstne shll ome to the ttenton of the Insured. In the event tht the Clms Admnstrtor s notfed durng the Perod of Insurne of ny use, event or rumstne whh n the Clms Admnstrtor s resonle opnon s lkely to gve rse to lm or legl proeedngs then ny susequent lm or legl proeedngs whh rse dretly from tht use, event or rumstne shll e deemed to hve een mde durng the Perod of Insurne. to the Insurers f sent n wrtng y frst lss post to the followng ddress: Legl Expenses Insurne Dvson Brt Insurne Lmted 55 Bshopsgte London EC2N 3AS to the Insured f sent n wrtng y frst lss post to the ddress s lst delred to the Insurers or n relton to ny mtters rsng out of ny lm or legl proeedngs f sent to the Apponted Representtve. Notes shll e deemed to e gven f sent y frst lss post t the exprton of 48 hours from dspth. Importnt proedure for Employment Dsputes If Form ET1 (Orgntng Applton) s reeved from n Employment Trunl, the Insured must omplete lm form nd forwrd t to the Clms Admnstrtor nludng opes of Forms ET1, ET2 nd ET3 (Note of Apperne y Respondent) mmedtely nd n ny event wthn 14 (fourteen) dys of reept. Flure to do so my prejude the Insured s poston nd wll therefore nvldte the Insured s lm under ths Poly. Importnt proedure for Tx Proteton To omply wth ths ondton n Investgton or Aspet Enqury y HM Revenue & Customs nto the Insured s tx ffrs must e notfed to the Clms Admnstrtor mmedtely nd n ny event wthn 30 (thrty) dys of reept of the HM Revenue & Customs note of dsstsfton wth the Insured s tx return. Flure to do so my prejude the Insured s poston nd wll therefore nvldte the Insured s lm under ths Poly. On reept of the Insured s notfton, the Clms Admnstrtor wll forwrd to the Insured lm form whh must e ompleted nd returned mmedtely. Motor Trde Insurne 82

67 2 Clms Admnstrtor s Consent It s ondton preedent to the Insurers llty tht the Clms Admnstrtor s onsent to nur Legl Expenses or Professonl Expenses must frst e otned n wrtng. Ths onsent wll e gven y the Clms Admnstrtor f the Insured n stsfy the Clms Admnstrtor tht t s resonle to nur Legl Expenses or Professonl Expenses nd: there re n the vew of the Clms Admnstrto resonle prospets of suessful defene; n Crmnl Proseuton lms where the Insured pleds gulty, there s n the vew of the Clms Admnstrtor resonle prospet of sgnfnt mtgton of the Insured s sentene or fne; or there re n the vew of the Clms Admnstrto resonle prospets of reovery of dmges or other remedy. In mkng ths deson the Clms Admnstrtor wll hve regrd (wthout lmtton) to: v the dve reeved y the Clms Admnstrtor onernng the merts of the Insured s se; the Insured s prospets of seurng nd enforng ny judgement; the mount of money n dspute n relton to the Legl Expenses nd/or Professonl Expenses lkely to e nurred; the lterntve methods vlle for protetng the Insured s nterests. The deson to grnt or wthhold onsent wll e sed on the onsderton of the opnon of the Apponted Representtve nd ny other dvser the Clms Admnstrtor my deem t neessry to onsult. The Clms Admnstrtor t ts dsreton my requre the Insured to prtpte n medton or other forms of dspute resoluton nd provde ssstne n settlng dsputes, the ost of whh wll e overed under ths Poly sujet to ll other terms, ondtons nd lmttons of ths Poly. The Clms Admnstrtor t ts dsreton my requre the Insured to otn n opnon from ounsel or otn n expert s report t the Insured s expense s to the merts of lm or legl proeedngs whh must hve regrd to the sme rter s requred y the Clms Admnstrtor. If tht opnon ndtes tht there re resonle prospets, the Insurers wll py for the ost of the opnon wthn the Lmt of Indemnty for tht lm. When the Clms Admnstrtor grnts onsent, the Insurers gree to provde ndemnty to the Insured wthn the terms, ondtons, lmttons, provsos nd exlusons of ths Poly. Suh onsent does not mply tht ll Legl Expenses nd/or Professonl Expenses shll e pd ut only those to whh the Clms Admnstrtor hs expressly greed. If fter onsent hs een grnted y the Clms Admnstrtor t eomes pprent to the Clms Admnstrtor tht the lm flls outsde the terms, ondtons, lmttons, provsos nd exlusons of the Poly suh onsent shll e wthdrwn nd no ndemnty provded. If fter onsent hs een grnted y the Clms Admnstrtor t eses to e resonle n the vew of the Clms Admnstrtor to nur Legl Expenses nd/or Professonl Expenses, the Clms Admnstrtor my wthdrw onsent. Legl Expenses nd/or Professonl Expenses nurred up untl tht tme wll ontnue to e ndemnfed y the Insurers. Notwthstndng ny generl onsent grnted, the Insurers lmt ther llty to the pyment of Legl Expenses nd/or Professonl Expenses nd/or Awrds of Compenston nd/or Compenston Awrds nurred solely for the purpose of ndemnfyng the Insured n respet of the lm or legl proeedngs to whh onsent hs een grnted. Legl Expenses nd/or Professonl Expenses nurred for the routne presentton or dmnstrton of the Insured s ffrs or expenses whh would hve een nurred n the norml ourse of the Insured s Busness shll fll outsde the ndemnty provded under ths Poly. If the Insured elets to proeed wth the pursut or defene of lm or legl proeedngs to whh onsent hs not een grnted y the Clms Admnstrtor euse there re not resonle prospets nd the Insured s suessful n suh pursut or defene, then the Insurers gree to py those Legl Expenses nd/or Professonl Expenses nurred fter the Clms Admnstrto refused onsent sujet to the terms, ondtons nd lmttons of ths Poly. For the purposes of ths luse, suess shll men ost order or greement to py over 50% (ffty perent) of nurred osts n fvour of the Insured or n quttl of the Insured or fndng tht no ddtonl tx s pyle. In respet of lms under the Employment Dsputes Insurng Cluse, suess shll e where the Insured s nether ordered to py nor grees to py ny ompenston. Motor Trde Insurne 82

68 3 Condut of Clm d Choe of Apponted Representtve Where t s neessry tht the Insured hs reourse to lwyer, the Insured s free to hoose n Apponted Representtve to t n the nme nd on ehlf of the Insured n ny lm or legl proeedngs to whh the Clms Admnstrtor hs gven wrtten onsent sujet to the pplton of the Inresed Exess. In ll other lms or legl proeedngs the Clms Admnstrtor wll hoose n Apponted Representtve to t n the nme nd on ehlf of the Insured. If lm s n respet of dspute lloted to the smll lms trk under CPR prt 27, the Insurers retn the rght to hoose n Apponted Representtve to ttempt to negotte settlement. Suh settlement wll e sujet to the Insured s greement whh shll not e unresonly wthheld or delyed. In seletng the Apponted Representtve the Insured shll hve duty to mnmse the ost of ny lm or legl proeedngs. In ll ses the Apponted Representtve shll t n the nme of nd on ehlf of the Insured. Aess to nformton The Clms Admnstrtor s enttled to reeve from the Apponted Representtve ny nformton, doument or dve n onneton wth ny lm or legl proeedngs even f suh mterl s leglly prvleged. On request the Insured wll gve to the Apponted Representtve ny nstrutons neessry to seure the requred ess. Dslosure nd o-operton The Insured must gve the Apponted Representtve ll neessry help nd nformton nludng omplete truthful ount of the fts of the se nd ll relevnt doumentry or other evdene n the Insured s possesson. The Insured must serh for, provde, otn, sgn or exeute ll douments s requred y the relevnt ourt or trunl rules or s reommended y the Apponted Representtve nd ttend ll meetngs or onferenes s requested. Cover my e wthdrwn f the Insured fls to ooperte t ll or wthn resonle tme wth the Apponted Representtve s request. Pyment of Legl Expenses or Professonl Expenses All nvoes reltng to lm tht the Insured reeves from the Apponted Representtve should e forwrded to the Clms e f g Admnstrtor mmedtely. If the Clms Admnstrtor so requres, the Insured must sk the Apponted Representtve to sumt ther ll of osts for ssessment y the pproprte ourt, trunl or Lw Soety. The Insured shll e responsle for the pyment of Legl Expenses nd/or Professonl Expenses nvoes. The Insurers wll, however, settle these dret wth the Apponted Representtve f requested to do so y the Insured. All nvoes must e ertfed y the Clms Admnstrtor to the effet tht ll hrges hve een properly nurred nd ths wll e deemed uthorty for the Insurers to settle the nvoe dretly wth the Apponted Representtve. Only nvoes n respet of Legl Expenses nd/or Professonl Expenses nurred wth the onsent of the Clms Admnstrtor nd n the mount greed wth the Clms Admnstrtor shll e pd. Instruton of ounsel nd experts Where the Apponted Representtve wshes to otn the opnon of or nstrut ounsel or experts, t must provde ts resons nd seek nd reeve the pror wrtten onsent of the Clms Admnstrtor. Settlement It s ondton preedent to the Insurers llty tht the Insured nforms the Clms Admnstrtor n wrtng s soon s the Insured reeves Prt 36 offer, pyment nto ourt, n offer to settle lm or legl proeedngs or n nvtton to prtpte n medton or other form of dspute resoluton. The Insured must not gree to settle ny lm wthout the pror wrtten onsent of the Clms Admnstrtor whh wll not e unresonly wthheld or delyed. If the Insured rejets ny offer to settle lm y wy of Prt 36 offer or pyment nto ourt or otherwse whh the Clms Admnstrtor onsders resonle nd reommends eptne of, then no further ndemnty wll e provded y the Insurers from the dte of rejeton y the Insured. Reovery of Costs Whenever the Insured s wrded osts or osts re nluded under the terms of ny settlement, those osts re to e repd to the Insurers. In every lm the Insured nd the Apponted Representtve shll mke every effort to mke full reovery of osts. Where settlement purports to e glol or wthout osts settlement, the Insured grees tht the Apponted Representtve s pprsl Motor Trde Insurne 82

69 h of fr nd resonle proporton of tht settlement wll e deemed osts nd shll e due to the Insurers. Appels If, followng legl proeedngs to whh the Clms Admnstrtor hd gven wrtten onsent, the Insured wshes to ppel gnst the judgement or deson of the ourt or trunl n those legl proeedngs, the drft grounds of tht ppel must e sumtted to the Clms Admnstrtor for ts pror wrtten onsent to nur Legl Expenses nd/or Professonl Expenses n tht ppel. k Vlue Added Tx If the Insured s regstered for VAT, the Insurers wll not e lle to ndemnfy the Insured for the VAT element of ny Legl Expenses or Professonl Expenses nvoes. If, followng legl proeedngs to whh the Clms Admnstrtor hs gven wrtten onsent, n ppel s lodged gnst the judgement or deson of the ourt or trunl n those legl proeedngs mde n fvour of the Insured, the Clms Admnstrtor must e nformed mmedtely nd ts wrtten onsent otned for over to ontnue. Where the Insurers wsh to pursue or resst n ppel gnst the judgement or deson of the ourt or trunl, the Insured must ooperte wth the Apponted Representtve. Dshonest nd Frudulent Clms If the Insured mkes ny lm under ths Poly (or hs mde lm under ny other or prevous Poly) whh the Insured knows or ought to know to e flse or frudulent n ny wy, ths Poly shll e nelled nto nd ll rghts of the Insured under ths Poly nludng the premum shll e forfet. The Insurers shll e enttled to reover ny Legl Expenses nd/or Professonl Expenses nd/or Awrds of Compenston nd/or Compenston Awrds prevously pd. j Insolveny or Lqudton of the Insured If the Insured eomes nsolvent or s pled n lqudton durng the ourse of ny lm or legl proeedngs ny onsent prevously gven shll utomtlly e wthdrwn unless expressly greed n wrtng to the ontrry y the Clms Admnstrtor. The Insured shll e deemed nsolvent or n lqudton upon the ppontment of n offe holder wthn the menng gven y the Insolveny At 1986 nd ny mendng legslton, or upon the ppontment of reever wthn the menng ld down n the Compnes At 1985 nd ny mendng legslton. Motor Trde Insurne 82

70 Generl Condtons The followng Generl Condtons shll pply to ll Setons of ths Poly unless stted otherwse: Contnung Olgtons: 1 Alterton Ths Poly shll e voded f fter the nepton of the Perod of Insurne there s ny lterton: d e y removl; or wherey the rsk of Dmge, Injury or legl llty s nresed; or wherey the Insured s nterest eses exept y wll or operton of lw; or wherey the Busness of the Insured s wound up or rred on y lqudtor or reever, or put nto dmnstrton or otherwse permnently dsontnued; or ny hnge s mde n the desrpton of the Busness; unless suh lterton hs een epted y the Insurers n wrtng. 2 Averge (Undernsurne) (pplle to Setons 2, 4 nd 7 only) Unless more speflly stted eh Sum Insured shll e sujet to Averge other thn ny Item mrked NA on the Shedule nd ny mounts seprtely stted n the Shedule for Professonl Fees nd Ders Removl. Whenever Sum Insured s delred to e sujet to Averge, f t the tme of ny Dmge suh Sum Insured s less thn the totl vlue of suh property, then the Insured shll e onsdered s eng ther own nsurer for the dfferene nd shll er rtele shre of the loss ordngly. Seton 3 hs ts own Condton of Averge whh s stted n the wordng of tht Seton. 3 Computer Reords (not pplle to Setons 1, 5, 6, 8, 9 nd 10) It s ondton tht the Insured shll mntn mnmum of 2 (two) genertons of k-up Computer Reords nd Softwre tken t ntervls no less frequently thn 7 (seven) dys, one opy s mnmum eng held off ste. 4 Fre Protetons (pplle to Setons 2 to 7) Fre Alrms It s ondton preedent to llty tht where the Insurers requre tht the Premses re proteted y n utomt fre lrm nstllton the Insured wll: rry out the testng nd hekng requrements referred to on the ompleton ertfte nd remedy promptly ny defet dslosed; d rry out the mntenne proedures spefed y the mnufturers of the equpment; notfy the Insurers mmedtely of ny dsonneton or flure of the utomt fre lrm nstllton lkely to leve ny re unproteted for 12 (twelve) hours or more; reord detls of ll events suh s lrm fults, tests, mntenne nd dsonnetons nd keep suh detls vlle for exmnton y the Insurers representtves. Fre Brek Doors nd Shutters It s ondton preedent to llty tht ll fre rek doors nd shutters shll e kept losed exept durng workng hours nd shll e mntned n effent workng order. Sprnkler Mntenne It s ondton preedent to llty tht where the Insurers requre tht the Premses re proteted y n utomt sprnkler system the system s: d mntned n good workng order; n full nd effetve operton unless otherwse greed y the Insurers; under ontrt for mntenne nd hlf yerly nspetons wth engneers pproved y the Insurers nd ny defets, fults or shortomngs reveled y suh tests re mmedtely retfed unless otherwse greed y the Insurers; tested y the Insured n ordne wth the Insurers requrements nd the Sprnkler Test rd provded y them; throughout the urreny of ths Poly. 5 Interpretton In ths Poly: referene to ny sttute or sttutory provson nd orders or regultons thereunder shll nlude referene to tht provson, order or Motor Trde Insurne 82

71 d e regulton s mended, re-ented or repled from tme to tme whether efore or fter the dte of the nepton of ths Poly; referene to ny sttutory or other ody shll nlude the suessor to tht ody; words mportng the sngulr nlude the plurl nd ve vers nd referenes to persons nlude odes orporte or unnorported. Words mportng ny gender shll nlude ll genders; f ny term, ondton, exluson or Endorsement or prt thereof s found to e nvld or unenforele the remnder shll remn n full fore nd effet; the hedngs re for referene only nd shll not e onsdered when determnng the menng of ths Poly. 6 Poly Vodle Ths Poly shll e vodle n the event of msrepresentton, ms-desrpton or nondslosure of ny mterl prtulr. 7 Preutons nd Resonle Cre It s ondton tht the Insured shll tke ll resonle preutons: for the sfety of nd to vod, prevent or mnmse ny Dmge to the Property Insured; to vod, prevent or mnmse ny njury to others or dmge to ther property; to prevent the sle of or supply of Produts whh re defetve n ny wy; whh mght gve rse to lm under ths Poly. It s ondton tht the Insured shll lso: d omply wth ll sttutory nd other olgtons nd regultons mposed y ny uthorty; mntn the Premses, mhnery, plnt nd equpment nd other serves (nludng fre, seurty nd sfety equpment) n stsftory stte of repr; exerse resonle re n the seleton nd supervson of Employees nd n the employment of ompetent stff; n the event of dsovery of ny defet or dnger mmedtely use suh defet or dnger to e mde good or remeded nd n the mentme shll use suh ddtonl e preutons to e tken s the rumstnes my requre; tke ll resonle preutons to sfegurd the Insured Vehle from loss or dmge nd mntn t n sustntl nd thoroughly sound, sfe nd effent ondton. The Insurers shll hve t ll tmes free ess to exmne the sd Insured Vehle(s) y ther uthorsed representtve. 8 Seurty (pplle to Setons 2 to 7) Intruder Alrm System It s ondton preedent to llty n respet of loss or dmge followng entry or ttempted entry nto or ext from the Premses y forle nd volent mens tht where the Insurers requre tht the Premses re proteted y n Intruder Alrm System whlst the Premses re unttended tht: the Premses re proteted y n Intruder Alrm System nd mens of ommunton used to trnsmt sgnls from suh n Intruder Alrm System desgned, nstlled nd mntned s greed wth the Insurers; d the Proteted Premses shll not e left wthout t lest one Responsle Person n ttendne wthout the greement of the Insurers: unless the Intruder Alrm System s set n ts entrety wth ll mens of ommunton used to trnsmt sgnls n full operton; f the Pole hve wthdrwn ther response to lrm lls; n the event of notfton of ny tvton of the Intruder Alrm System or nterrupton of ny mens of ommunton durng ny perod tht the Intruder Alrm System s set, Keyholder shll ttend the Premses s soon s resonly possle, n order to onfrm the seurty of the Premses nd reset the Intruder Alrm System n ts entrety. If the Intruder Alrm System nnot e reset n ts entrety or ll the mens of ommunton used to trnsmt sgnls re not n full operton, Keyholder must remn t the Premses unless greed n wrtng wth the Insurers; the Insured shll dvse the Insurers s soon s possle, nd n ny event not lter thn 10.00m on the Insurers next workng dy: tht pole ttendne n response to lrm sgnls/lls from the Intruder Alrm System my e wthdrwn or the level of response redued or delyed; Motor Trde Insurne 82

72 of note from Lol Authorty or Mgstrte mposng ny requrement for tement of nusne; stpulted y or greed y the Insurers shll e n full operton seurng the Premses outsde Busness Hours; e tht the Intruder Alrm System nd the mens of ommunton used to trnsmt sgnls from suh nstllton nnot e returned to or mntned n full workng order; nd the Insured shll omply wth ny susequent requrements stpulted y the Insurers; no lterton or susttuton of: ny keys for the Premses nd/or Intruder Alrm Systems nd/or sfes nd/or strongrooms nd/or ny other seured re or deve n whh the Insured Property s kept re removed from the Premses outsde Busness Hours; the Insured mntns the serey of odes for the operton of the Intruder Alrm System to uthorsed persons nd no detls of the sme re left on the Premses; ny prt of the Intruder Alrm System; the struture of the Premses or hnges to the lyout of the Premses whh would ffet the effetveness of the Intruder Alrm System; d ll keys for ny motor vehle on the Insured s Premses re removed from the sd motor vehle whlst they re left Unttended or left on the Insured s Premses outsde Busness Hours nd pled n loked nd seured key net wthn the Premses. f g h v v the mens of ommunton used to trnsmt sgnls from the Intruder Alrm System; the proedures greed wth the Insurers for Pole or ny other response to ny tvton of the Intruder Alrm System; the mntenne ontrt; shll e mde wthout the wrtten greement of the Insurers; the Insured shll mntn serey of odes nd seurty of keys nd settng/unsettng deves for the operton of the Intruder Alrm System. All keys nd other settng/unsettng deves for the Intruder Alrm System must e removed from the Premses when they re left unttended; the Intruder Alrm System shll e mntned n full nd effent workng order under ontrt to provde oth orretve nd preventtve mntenne wth the nstllng ompny or suh other ompny, s greed wth the Insurers; the Insured shll ppont t lest two Keyholders nd lodge wrtten detls (whh must e kept up to dte) wth the lrm ompny, nd wth the Pole f they so requre. Protetons It s ondton preedent to llty tht: 9 Unouped Buldng(s) (not pplle to Setons 1, 8, 10, 11 nd 12) It s ondton preedent to llty tht mmedte note shll e gven to the Insurers when ny Buldng(s) eome(s) Unouped or ny Unouped Buldng(s) or porton thereof eomes ouped nd the Insurers shll hve the rght to mpose ddtonl terms, ondtons nd exlusons nd hrge sutle ddtonl premum whh shll e pd y the Insured f requred. It s herey understood nd greed tht when ny Buldng(s) eome(s) Unouped the Insurers shll e lle for Dmge solely used y or onsequent upon fre, lghtnng, exploson, rrft or other erl deves or rtles dropped therefrom. It s ondton preedent to the llty of the Insurers tht when ny Buldng(s) eome(s) Unouped: d the Premses re seured gnst llegl entry, wth ll wndows t ground level orded or rked up nd wth ll wndows t ll other floor levels frmly seured so s to prevent unuthorsed entry; ll mns serves re dsonneted nd ll wter ppes nd tnks re drned down; ll letteroxes re seled to prevent nserton of ny mterls or lquds; the Premses re kept ler of ll movele omustle mterl; ll protetons n fore t the Premses t the nepton of ths Insurne or susequently s Motor Trde Insurne 82

73 e f the Insured or n uthorsed employee or the Insured s pponted gent nspet the Premses t lest one eh week nd: ll defets n mntenne or seurty re retfed mmedtely; reords of these nspetons re kept nd re vlle for nspeton y the Insurers; there s no refurshment or renovton work unless prevously greed y the Insurers. 10 Wrrntes Every wrrnty shll from the tme tht the wrrnty tthes pply nd ontnue to e n fore durng the whole Perod of Insurne nd non-omplne wth ny suh wrrnty n so fr s t nreses the rsk of loss, Injury or Dmge shll e r to ny lm. Provded tht f ths Poly s renewed, lm ourrng durng the renewl perod shll not e rred y reson of wrrnty not hvng een ompled wth t ny tme efore the ommenement of suh Perod. In the Event of Clm: 11 Notfton of ny ndent whh my gve rse to lm: g h j k nor t n ny wy whh mght prejude the Insurers poston; the Insurers my, t ther dsreton, tke over nd ondut n the Insured s nme or the nme of ny person ndemnfed under ths Insurne, the defene, proseuton or settlement of ny lm for the Insurers eneft; the Insurers shll hve full dsreton over the ondut of ny proeedngs nd settlement of lms; the Insured or ny person ndemnfed y ths Insurne must gve the Insurers ll the ssstne nd nformton possle nd produe opy of the drver s lene f requested; f the Insured Vehle nd ts Aessores re stolen or tken wthout the Insured s onsent the Insured must s soon s possle, report the sme to the pole nd f requred, supply the Insurers wth the rme ook numer; the Insurers reserve the rght f they or ther representtve onsder ny repr estmte to e unresonle to enter nto ny ommunton wth the reprer nd flng greement, to rrnge for the removl of the Insured Vehle to nother reprer nd py for suh work s my lredy hve een done. Aton y the Insured n respet of Seton 1 It s ondton preedent to llty tht when n dent, loss or dmge ours: d e f the Insured or the Insured s legl representtve must gve note n wrtng to the Insurers s soon s possle wth full detls of the dent, loss or dmge; the Insured must tke ll neessry steps to ensure the sfety of the dmged Insured Vehle nd ts Aessores; the Insurers shll not e lle for ny nrese n dmge s result of the Insured Vehle eng removed y ts own power followng n dent; ny letter, lm, wrt, lm form, summons or proess reltng to the dent, loss or dmge must e sent, unnswered, to the Insurers mmedtely; the Insurers must e dvsed n wrtng mmedtely the Insured s wre of ny ntended proseuton. Coroner s Inquest or Ftl Inqury n onneton wth the dent; persons who re lmng under ths Insurne must mke no dmsson, offer, pyment or promse wthout the Insurers wrtten onsent Aton y the Insured n respet of Setons 2 to 7 nlusve It s ondton preedent to llty tht f ny ndent ours whh my gve rse to lm under ths Poly the Insured shll: gve mmedte note to: wthn: the Pole Authorty n respet of ny theft, ttempted theft, rot, mlous dmge, dentl loss or t of Terrorsm (f nd to the extent tht Terrorsm s nsured y ths Poly); the Insurers v the roker or ntermedry s stted n the Shedule; nd 7 (seven) dys n the se of Dmge used y rot, vl ommoton, strkers, loked out workers or persons tkng prt n lour dsturnes or mlous persons; 30 (thrty) dys of the expry of the Indemnty Perod n respet of lm under Seton 2 of ths Poly; Motor Trde Insurne 82

74 30 (thrty) dys of the ourrene of ny other event; supply t ts own expense full detls of the lm n wrtng together wth ny supportng nformton, reepts nd proofs whh the Insurers my resonly requre nd no lm shll e pd untl the Insured hs ompled wth ths prgrph. Aton y the Insured n respet of Setons 8, 9 nd 10 It s ondton preedent to llty tht the Insured shll gve wrtten note to the Insurers s soon s resonly prtle of ny ndent tht my gve rse to lm under ths Poly nd shll gve ll suh ddtonl nformton s the Insurers my requre. Every letter of lm, wrt, summons or proess nd ll douments reltng thereto nd ny other wrtten notfton of lm shll e forwrded unnswered to the Insurers mmedtely they re reeved. The Insured shll t ll tmes n ddton to ts olgtons set out ove fford suh nformton to nd o-operton wth the Insurers or ther pponted gents to llow the Insurers to e le to omply wth suh relevnt Prte Dretons nd Pre-Aton Protools s my e ssued nd pproved from tme to tme y the Lord Chef Juste. The Insurers shll e enttled (ether efore or fter ny pyment under ths Poly) to tke over t ts own expense the solute ontrol nd ondut of ny negotton, proeedng or settlement of ny lm n the nme of nd on ehlf of the Insured. The Insured shll not dmt llty or mke ny offer or promse of pyment wthout the pror wrtten onsent of the Insurers. The Insured shll keep dequte usness reords nd shll gve suh nformton nd ssstne s the Insurers my resonly requre to sustntte lm or del wth thrd prty lm. Clms orrespondene notfton ddress: Brt Insurne Lmted Oklegh House Prk Ple Crdff CF10 3DQ Telephone: Fx: Eml: [email protected] Aton y the Insured n respet of Seton 11 Plese see Condton 3 on pge 49. Aton y the Insured n respet of Seton 12 Plese see Condton 1 Notfton on pge Clms Co-operton The Insured wll provde ll help nd ssstne nd o-operton requred y the Insurers n onneton wth ny lm. 13 Aton to Mnmse Loss It s ondton tht f ny ndent ours whh my gve rse to lm under ths Poly the Insured shll tke ton to mnmse the loss or dmge, to vod nterrupton or nterferene wth the Busness nd to prevent further dmge or njury. 14 Artrton (pplle to Setons 2 to 7) If ny dfferene shll rse s to the mount to e pd under ths Poly (llty eng otherwse dmtted) suh dfferene shll e referred to n rtrtor to e pponted y the prtes n ordne wth the sttutory provsons eng n fore t tht tme. Where ny dfferene s y ths Condton to e referred to rtrton the mkng of n wrd shll e ondton preedent to ny rght of ton gnst the Insurers. 15 Contruton (pplle to Setons 2 to 7) If t the tme of ny lm(s) overed y ths Poly there shll e ny other nsurne overng the sme rsk or prt thereof the Insurers shll not e lle for more thn ther rtele proporton thereof. If ny suh other nsurne e sujet to ny ondton of Averge, ths Poly, f not lredy sujet to ny suh ondton of Averge, shll e sujet to Averge n lke mnner. If ny suh other nsurne s sujet to ny provson wherey t s exluded from rnkng onurrently wth ths Poly, ether n whole or n prt, or from ontrutng rtely, the llty of the Insurers shll e lmted to tht proporton of the Dmge whh the Sum Insured under ths Poly ers to the vlue of the property. 16 Frud If ny lm mde under ths Poly y the Insured or nyone tng on ehlf of the Insured s frudulent or ntentonlly exggerted or f ny flse delrton or sttement shll e mde n support thereof, ll eneft under ths Poly shll e forfeted. 17 Insurers Rghts followng Clm On the hppenng of ny event n respet of whh lm s or my e mde under ths Poly, the Insurers (nd every person uthorsed y them) shll hve the rght, wthout therey nurrng ny llty or dmnshng ther rght to rely on ny ondton of ths Insurne, to enter the Premses where the event hs ourred, nd to tke nd keep possesson of ny of the Property Insured (or requre t to e delvered Motor Trde Insurne 82

75 to them), nd to del wth ny slvge n resonle mnner. No lm under ths Poly shll e pyle unless the terms of ths Condton hve een ompled wth. No property my e ndoned to the Insurers, whether tken possesson of y them or not. Ths Condton shll e evdene of permsson from the Insured to the Insurers so to do. If the Insured or nyone tng on ehlf of the Insured shll not omply wth the requrements of the Insurers or shll hnder or shll ostrut the Insurers n dong ny of the ove mentoned ts then ll eneft under ths Poly shll e forfeted. The Insured shll not n ny se e enttled to ndon ny property to the Insurers whether tken possesson of y the Insurers or not. Applle to Setons 2 to 7 only: The Insurers my t ny tme py the mount of the Lmt of Llty to whh the lm pples nd shll e under no further llty n respet thereof. 18 Rensttement of Dmge If the Insurers elet or eome ound to renstte or reple ny property, the Insured shll t ts own expense provde ll suh plns, douments, ooks nd nformton s the Insurers my resonly requre. The Insurers shll not e ound to renstte extly or ompletely, ut only s rumstnes permt nd n resonly suffent mnner, nd shll not n ny se e ound to expend n respet of ny one of the Items nsured more thn ts Sum Insured. 19 Surogton Any lmnt under ths Poly shll, t the request nd expense of the Insurers, tke nd permt to e tken ll neessry steps for enforng rghts nd remedes gnst ny other prty n the nme of the Insured, whether suh steps re or eome neessry efore or fter ny pyment s mde y the Insurers. 20 Surogton Wver Notwthstndng Condton 19, n the event of lm rsng under ths Poly the Insurers gree to wve ny rghts, remedes or relef to whh they mght eome enttled y surogton gnst: Spef Olgtons: 21 Cnellton Insured s Rght of Cnellton If You re n ndvdul or sole trder or prtnershp n Englnd nd Wles, You hve the rght to nel Your Poly durng perod of 14 (fourteen) dys ether from: the dy of purhse of the ontrt; or the dy on whh You reeve your Poly doumentton whhever s the lter. If You wsh to do so nd the nsurne over hs not yet ommened, You wll e enttled to full refund of the premum pd. If You wsh to do so nd f the nsurne over hs lredy ommened, You wll e enttled to refund of the premum pd, sujet to deduton for the tme for whh You hve een overed. Ths wll e lulted on prort ss for the tme You reeved over unless lm hs een mde or n ndent hs rsen whh my gve rse to lm nd whh leds to the ontrt of nsurne eng fully ompleted, n whh se the full nnul premum wll e pyle to the Insurers. To exerse You rght to nel Your Poly plese ontt the Broker/Intermedry, s stted n the Shedule, through whom You rrnged ths Insurne You must return Your Certfte of Insurne to the Insurers mmedtely fter nellton. If You re not n ndvdul or sole trder or prtnershp n Englnd nd Wles, You hve no nellton rghts under ths Poly. Insurers Rght of Cnellton ny Compny stndng n the relton of prent to susdry (or susdry to prent) of the Insured; or ny Compny whh s susdry of prent Compny of whh the Insured themselves re susdry; n eh se wthn the menng of the Compnes At(s). If the premum for ths Insurne s pd y perod nstlments, whether y dret det or otherwse, n the event of defult n the pyment of ny nstlment, for whtever reson, ths Insurne shll ese from the dte of non-pyment, sujet to the Consumer Credt At 1974, f pplle nd ny mendng nd/or susequent legslton. Otherwse, ths Insurne my e nelled y the Insurers sendng 30(thrty) dys note y reorded delvery letter to the lst known ddress of the Insured sttng the reson for nellton. Where ths Condton s exersed, the Insured shll eome enttled to return of Motor Trde Insurne 82

76 premum n respet of the unexpred porton of the Perod of Insurne, fter ny djustment of the premum pd s provded for y ny ondtons of ths Poly, nd sujet to no lm hvng een pd or eng outstndng (n whole or n prt) n respet of the expred porton of the Perod of Insurne. pd n respet of ny sums pyle s onsequene of the jursdton of ny other ourt. In the event of nellton the Insured must return ll Certftes of Insurne to the Insurers mmedtely fter nellton. 22 Contrts (Rghts of Thrd Prtes) At 1999 A person who s not prty to ths ontrt hs no rght under the Contrts (Rghts of Thrd Prtes) At 1999 nd ny mendng nd/or susequent legslton to enfore ny term of ths ontrt ut ths does not ffet ny rght or remedy of thrd prty whh exsts or s vlle prt from tht At. 23 Delrtons/Adjustments of Premum If ny prt of the Premum s sed on estmtes provded y the Insured, the Insured shll keep n urte reord ontnng ll relevnt nformton nd shll t ny tme llow the Insurers to nspet suh reord. The Insured shll wthn 60 (sxty) dys fter the expry of eh Perod of Insurne furnsh the relevnt nformton, nludng ut not lmted to wge roll nd turnover, s the Insurers my requre. The Premum shll then e djusted nd the dfferene pd y or llowed to the Insured, sujet to ny Mnmum Premum requred wthn 30 (thrty) dys of reept of the Insurers djusted premum lultons. The Insurers reserve the rght to request the Insured to supply n udtor s ertfte ttestng to the ury of ny nformton furnshed to the Insurers. 24 Choe of Lw Unless otherwse greed y the Insurers nd the Insured, ths Poly shll e sujet to nd onstrued solely n ordne wth the Lw of Englnd nd Wles. 25 Insurle Interest The nsurle nterest n the nsurne y ths Poly shll not e trnsferred wthout the wrtten onsent of the Insurers. 26 Jursdton The Insurers nd the Insured gree tht ll dsputes rsng out of or n onneton wth ths Poly, nludng ut not lmted to ny dsputes reltng to the formton, vldty nd nterpretton nd pplton of the terms, ondtons, lmts nd exlusons of ths Poly, shll e sujet to the exlusve jursdton of the Courts of Englnd nd Wles. The premum for ths Insurne hs een lulted ordngly, nd no onsderton hs een Motor Trde Insurne 82

77 Generl Exlusons The followng Generl Exlusons shll pply to ll Setons of ths Poly unless s stted otherwse. The Insurers shll not e lle for: 1 Consequentl Loss (pplle to ll Setons other thn 8, 9, 10 nd 12) Consequentl loss of ny knd or desrpton exept: s my e nsured y Setons 3 or 7 of ths Poly; or loss of Rent when suh loss s nluded n the over under Setons 2, 3 or 7 of ths Poly. 2 Eletron Dte Reognton (not pplle to Seton 8) Dmge or onsequentl loss or legl llty dretly or ndretly used y or onsstng of or rsng from the flure of ny omputer, dt proessng equpment or med, mrohp, ntegrted rut or smlr deve or ny omputer softwre, whether the property of the Insured or not: or Smlr Mehnsm or Hkng or Denl of Serve Attk) or loss of use, reduton n funtonlty, ost, expense of whtsoever nture resultng therefrom, regrdless of ny other use or event ontrutng onurrently or n ny other sequene to the loss, unless ny suh loss or dmge results from Defned Perl nd s not otherwse exluded. 4 Lw nd Jursdton Judgements, wrds, settlements or orders of ourts outsde the Terrtorl Lmts s defned, or to orders seekng to enfore suh judgements, wrds, settlements or orders, or to ny llty rsng under the lw of ny ple outsde the Terrtorl Lmts. 5 Mrne (pplle to Setons 2 to 7 only) Loss or destruton of or dmge to property whh t the tme of the hppenng of the loss, destruton or dmge s nsured y, or would ut for the exstene of ths Poly e nsured y, ny mrne poly or poles exept n respet of ny exess eyond the mount whh would hve een pyle under the mrne poly or poles hd ths Insurne not een effeted. orretly to reognse ny dte s ts true lendr dte; to pture, sve or retn, nd/or orretly to mnpulte, nterpret or proess ny dt or nformton or ommnd or nstruton s result of tretng ny dte otherwse thn s ts true lendr dte; to pture, sve, retn or orretly to proess ny dt s result of the operton of ny ommnd whh hs een progrmmed nto ny omputer softwre, eng ommnd whh uses the loss of dt or the nlty to pture, sve or retn or orretly to proess suh dt on or fter ny dte; 6 More Spef Insurne (pplle to Setons 2 to 7 only) Loss or destruton of or dmge to ny property more speflly nsured y or on ehlf of the Insured. 7 Mould nd Fungus Loss or destruton of or dmge to ny property or ny loss, ost or expense or legl llty dretly or ndretly rsng out of or resultng therefrom or ny onsequentl loss n ny mnner relted to Fungl Pthogens, whether or not there s nother use of loss whh my hve ontruted onurrently or n ny sequene to loss. ut ths shll not exlude susequent Dmge to the Insured s property or onsequentl loss resultng therefrom not otherwse exluded under ths Poly, whh tself results from Defned Perl. For the purposes of ths Generl Exluson the words Defned Perl shll men fre, lghtnng, exploson, rrft or other erl deves or rtles dropped therefrom, rot, vl ommoton, strkers, loked out workers or persons tkng prt n lour dsturnes, mlous persons other thn theves, erthquke, storm, flood, espe of wter from ny pprtus or ppe, mpt y ny rod vehle or nml nd theft. 3 Eletron Dt (pplle to ll Setons other thn 8, 9, 10 nd 12) Any loss, dmge, destruton, dstorton, ersure, orrupton or lterton of Eletron Dt from ny use whtsoever (nludng ut not lmted to Vrus Notwthstndng the provsons of ths Exluson the over provded gnst legl llty for dmges nd lmnt s osts nd expenses n respet of Injury sustned y Persons Employed under Seton 8 Employers Llty s lmted to 5,000,000 ny one Event. 8 Northern Irelnd (pplle to Setons 2 to 7 only) Loss or destruton of or dmge to ny property n Northern Irelnd or loss resultngtherefrom used y or hppenng through or n onsequene of: vl ommoton; ny unlwful, wnton or mlous t ommtted mlously y person or persons Motor Trde Insurne 82

78 tng on ehlf of or n onneton wth ny Unlwful Assoton. In ny ton, sut or other proeedngs where the Insurers llege tht y reson of ths exluson ny loss, destruton or dmge or loss resultng from suh loss, destruton or dmge s not overed y ths Insurne (or s overed only up to Lmt of Llty s stted n the Shedule) the urden of provng suh loss, destruton or dmge or loss resultng from suh loss, destruton or dmge s overed (or s overed eyond tht Lmt of Llty) shll e upon the Insured. 9 Rdotve Contmnton, Wr, Son Boom nd Confston (not pplle to Setons 8, 9, 10 nd 12) Loss or destruton of or dmge to ny property whtsoever or ny loss or expense whtsoever resultng or rsng therefrom or ny onsequentl loss or ny legl llty of whtsoever nture dretly or ndretly used y or ontruted to, y or rsng from: d e f onsng rdtons or ontmnton y rdotvty from ny nuler fuel or from ny nuler wste from the omuston of nuler fuel; the rdotve, tox, explosve or other hzrdous or ontmntng propertes of ny explosve nuler nstllton, retor or other nuler ssemly or nuler omponent thereof; ny wepon of wr or deve employng tom or nuler fsson nd/or fuson or other lke reton or rdotve fore or mtter; wr, nvson, ts of foregn enemy, hostltes, vl wr, reellon, revoluton, nsurreton or mltry or usurped power whether wr e delred or not; pressure wves used y rrft nd other erl deves trvellng t son or superson speeds; onfston, ntonlston, requston, sezure or destruton y or under the order of ny government or ny pul or lol uthorty. 10 Polluton or Contmnton (pplle to Setons 2 to 7 only) Loss or destruton or dmge or ny onsequentl loss resultng from Polluton or Contmnton ut ths shll not exlude Dmge or ny Consequentl Loss nsured under Seton 2 used y: Defned Perl whh tself results from Polluton or Contmnton; unless resultng from n Exepted Cuse or otherwse exluded. 11 Terrorsm d Loss, dmge, njury, ost or expense of whtsoever nture dretly or ndretly used y, resultng from or n onneton wth ny t of Terrorsm regrdless of ny other use or event ontrutng onurrently or n ny other sequene to the loss; Loss, dmge, njury, ost or expense of whtsoever nture dretly or ndretly used y, resultng from or n onneton wth ny ton tken n ontrollng, preventng, suppressng or n ny wy reltng to ny t of Terrorsm; Any loss whtsoever or ny expendture resultng from or rsng therefrom or ny onsequentl loss dretly or ndretly used y or ontruted to y or rsng from: the rdotve, tox, explosve or other hzrdous propertes of ny explosve nuler ssemly or nuler omponent thereof; onsng rdton or ontmnton y rdotvty or from the omuston of ny rdotve mterl; heml nd/or ologl nd/or rdologl rrtnts, ontmnnts or pollutnts; Loss, dmge, njury, ost or expense dretly or ndretly rsng out of: ny usness nterrupton losses resultng from ustomers or supplers extensons or denl of ess due to ny t of Terrorsm; loss, dmge, ost or expenses dretly or ndretly rsng out of ny serve nterrupton due to ny t of Terrorsm. If the Insurers llege tht y reson of ths Exluson ny loss, dmge, njury, ost or expense s not overed y ths Insurne, the urden of provng the ontrry shll e upon the Insured. In the event ny porton of ths Exluson s found to e nvld or unenforele the remnder shll remn n full fore nd effet. Polluton or Contmnton whh tself results from Defned Perl; Motor Trde Insurne 82

79 Further Informton Plese rememer The nformton tht you hve provded to us forms the ss of your Insurne ontrt. It s mportnt tht you dvse us of ll mterl nformton, nd mmedtely of ny hnge n the nformton. Plese note f you re n ny dout whether or not ny nformton s mterl, t should e dslosed. Under the Rod Trff At, t s n offene to mke ny flse sttements or wthhold ny mterl nformton n order to otn over note or Certfte of Motor Insurne. Dt Proteton It s understood y the Insured tht ny personl dt provded y the Insured to the Insurers regrdng the Insured, ts Employees or ts Agents shll e proessed y the Insurers, n omplne wth the provsons of the Dt Proteton At 1998 nd ny susequent or mendng legslton, for the purpose of provdng nsurne nd hndlng lms, f ny, whh my neesstte provdng suh nformton to thrd prtes. The Insurers shll keep suh nformton seure t ll tmes. In ertn rumstnes, for exmple for systems dmnstrton purposes, the Insurers my hve to trnsfer nformton to nother ountry, whh my e ountry outsde the Europen Eonom Are (EEA). By proeedng wth ths Insurne the Insurers ssume tht the Insured s greele to the Insurers trnsferrng ts nformton to ountry outsde the EEA. Should You wsh to otn detls of the nformton tht we hold on You plese ontt: The Complne Offer Brt Insurne Lmted 55 Bshopsgte London EC2N 3AS A smll fee my e hrged to over the ost of dmnstrton. Clms nd Underwrtng Exhnge Regster Insurers pss nformton to the Clms nd Underwrtng Exhnge Regster run y the Insurne Dtse Serves Ltd, nd the Motor Insurne Ant-Frud nd Theft Regster run y the Assoton of Brtsh Insurers. The m s to help us hek nformton provded, nd lso to prevent frudulent lms. When we del wth your request for nsurne we my serh these regsters. Under the ondtons of ths Insurne, you must tell us out ny ndent (suh s n dent or theft) whether or not t gves rse to lm. When you tell us out n ndent, we wll pss nformton reltng to t to the regsters. Motor Insurne Dtse Your poly detls wll e dded to the Motor Insurne Dtse (MID), run y the Motor Insurers Informton Centre (MIIC). MID dt my e used y the DVLA nd DVLANI for the purpose of Eletron Vehle Lenng nd y the Pole for the purpose of estlshng whether drver s use of vehle s lkely to e overed y motor nsurne poly nd/or for preventng or detetng rme. If you re nvolved n n dent (n the UK or rod) other UK nsurers, the Motor Insurers Bureu nd MIIC my serh the MID to otn relevnt poly nformton. Persons pursung lm n respet of rod trff dent (nludng tzens of other ountres) my lso otn relevnt nformton whh s held on the MID. You n fnd out more out ths from us or on-lne t Complnts Proedure We re dedted to provdng You wth hgh qulty serve nd We wnt to ensure tht We mntn ths t ll tmes. If You feel We hve not offered You frst lss serve plese wrte nd tell Us nd We wll do Our est to resolve the prolem. All omplnts shll e hndled promptly nd poly of open ommunton wll e dopted. Any enqury or omplnt should n the frst nstne e dreted through Your nsurne roker or other ntermedry who rrnged ths Insurne for You. If ths does not resolve the mtter plese wrte to: Motor Trde Insurne 82

80 Customer Reltons Brt Insurne Lmted 55 Bshopsgte London EC2N 3AS T: F: E: Or v the Customer Reltons seton of In the event You remn dsstsfed nd wsh to pursue mtters further You my e le to refer the mtter to The Fnnl Omudsmn Serve. The Fnnl Omudsmn Serve n normlly del wth omplnts from prvte ndvduls nd from smll usnesses wth n nnul turnover of less thn 1 mllon (for group of ompnes, ths mens group nnul turnover of less thn 1 mllon). The Fnnl Omudsmn Serve n lso help wth omplnts from hrtes wth n nnul nome of less thn 1 mllon nd from trusts wth net sset vlue of less thn 1 mllon. The ddress s: The Fnnl Omudsmn Serve South Quy Plz 183 Mrsh Wll London E14 9SR Helplne: Swthord: Weste: Fnnl Serves Compenston Sheme We re overed y the Fnnl Serves Compenston Sheme (FSCS). You my e enttled to ompenston from the sheme f We nnot meet Our fnnl olgtons. Ths depends on the type of usness nd the rumstnes of the lm. Further nformton out ompenston sheme rrngements s vlle from the FSCS. Fnnl Serves Compenston Sheme 7th floor Lloyds Chmers Portsoken Street London E1 8BN Telephone: Fx: Eml: [email protected] Brt Insurne Lmted 55 Bshopsgte, London EC2N 3AS T: F: Regstered n Englnd nd Wles numer t 55 Bshopsgte, London EC2N 3AS Authorsed nd regulted y the Fnnl Serves Authorty Memer of the Assoton of Brtsh Insurers A susdry of Brt Insurne Holdngs PLC BIL/MOT/MTV2/UK/PD/AUG08/3/0427 Motor Trde Insurne 69