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1 Customer Servie At Insurne Corportion we hve rel ommitment to ustomer re We hve uilt reputtion s n Insurer tht puts our ustomers first You n help us to mintin this position y letting us know if you onsider tht our servie hs een unstisftory Our ommitment to you We im to give our ustomers high stndrd of servie t ll times If you re unhppy with our servie for ny reson you should write initilly to the Business Mnger of Insurne Corportion t the ddress shown on your Poliy Shedule who will ensure tht the mtter reeives ttention If mtters re not resolved to your stisftion you re invited to write to: Mnging Diretor Insurne Corportion of the Chnnel Islnds Ltd P O Box 160 Dixrt House Sir Willim Ple Guernsey GY1 4EY Insurne Corportion of the Chnnel Islnds Ltd is liensed y the Guernsey Finnil Servies Commission It is possile to hoose the lw pplile to ontrt of insurne overing risk situted in the United Kingdom. We hve hosen pyment of your premium s evidene of eptne of our hoie. If ny other lw is to pply it must e greed y oth prties nd evidened in writing Your right s poliyholder to tke legl tion remins unffeted y the existene or use of ny omplints proedure referred to ove 1

2 Motor Trde Poliy Insurne Corportion of the Chnnel Islnds Limited (referred to in this Poliy s The Insurers) will provide insurne in the terms of this Poliy in respet of identl injury loss or dmge hppening during the Period of Insurne in the Territoril Limits This Poliy the Poliy Shedule nd the Certifite(s) of Motor Insurne set out ll the terms of the insurne provided inluding when you my drive nd use of the vehile The Period of Insurne inludes ny susequent period for whih the Insurers my ept pyment for the renewl of this Poliy The proposl nd delrtion nd ny premium pyment greement mde y the Poliyholder re the sis of nd form prt of this Poliy Insurers liility 1. The Insurers herey ssign to the Insured the enefit of the Indemnity issued y The Insurers Prent Compny Royl & Sun Alline Insurne pl dted 19th Mrh In respet of ny Employers Liility or Motor Third Prty overge issued in Jersey the Isle of Mn or the United Kingdom ll referenes to Insurne Corportion of the Chnnel Islnds Limited or the Corportion or The Insurers shll men or refer to Royl & Sun Alline Insurne pl Signed for the Insurers Peter R Wlpole Insurne Corportion of the Chnnel Islnds Ltd For risks in the Biliwik of Jersey or Biliwik of Guernsey the Insurne Contrt is governed y Jersey Lw or Guernsey Lw respetively 2

3 Definitions Any word listed under Definitions will rry the sme mening wherever it ppers in the Poliy in old print Buildings Buildings inluding outuildings wlls gtes nd fenes lndlords fixtures nd fittings tennts improvements Business The ouption stted in the Poliy Shedule nd inluding the provision of tering soil sports nd welfre filities for Employees fire first-id nd mulne servies nd privte work undertken with the onsent of the Insured y n Employee for diretor prtner or Employee of the Insured Business Equipment Business equipment fixtures fittings furniture mhinery fixed glss nd its frmework externl linds nd signs Foreourt Filities nd ll other ontents (inluding personl effets or tools elonging to the Insured or ny diretor prtner ustomer or Employee of the Insured) in or on the Premises desried the property of the Insured or held y The Insurers in trust nd for whih he is responsile exluding lndlord s fixtures nd fittings stok nd mterils in trde property more speifilly insured Dmge Aidentl loss destrution or dmge Employee ny person under ontrt of servie or pprentieship with the Insured or ny person supplied to or hired or orrowed y the Insured while engged in the ourse of the Business Finnil Loss A peuniry loss ost or expense inurred y ny person other thn the Insured resulting from espe or dishrge of ny sustne or gs from ny Premises the property of or in the ouption of the Insured Stoppge of or interferene with pedestrin vehile ril ir or wterorne trffi not used y Produts Foreourt Fility Any fuel instlltion oil pump tnk inet ir or wter tower vehile wshing instlltion or vending mhine (ut not the ontents of ny of these items) in or on the Premises Injury Aidentl odily injury whih inludes deth nd disese Insured Any person prtnership or ompny registered in the Chnnel Islnds Gret Britin Northern Irelnd or the Isle of Mn nd desried in the shedule Money Csh Bnk Notes Cheques Giroheques Bnkers Drfts Money Orders Postl Orders Bills of Exhnge unused Postge Stmps Ntionl Insurne Stmps Ntionl Svings Stmps nd Certifites Holidys with Py Stmps Credit Compny Sle Vouhers Customer Redemption Vouhers nd unused units in frnking mhines ll the Insured s own or for whih he is leglly responsile nd Trding Stmps nd Lunheon Vouhers the Insured s own only whilst in his ustody Premises Tht prt of the uilding situted t the ddress or ddresses shown in the Shedule nd oupied y the Insured for the purpose of the Business 3

4 Produts Goods (inluding ontiners nd pkging) not in the ustody or ontrol of the Insured sold or supplied y the Insured in onnetion with the Business from ny premises within the Territoril Limits nd ny error in onnetion with the sle supply or presenttion of suh goods Property Mteril property (exluding Vehile) Repir Serviing or Mintenne inludes the Pre-delivery hek of new Vehiles s required y the mnufturers nd the fitting of dditionl essories to suh new Vehiles the exmintion of Vehiles in ordne with the Motor Vehiles (Tests) Regultions if pplile Stok Stok nd mterils in trde exluding Vehiles t the Premises desried inluding in trnsit y rod ril ir or inlnd wterwy (Inluding storge in ourse of trnsit) ll within the Territoril Limits ut exluding property more speifilly Insured the property of the Insured or held y him in trust or on ommission nd for whih he is responsile Stok of Vehiles Stok of Vehiles in or on the Premises or on lnd elonging to or in the ustody or ontrol of the Insured inluding the privte premises of the Insured or ny diretor prtner or Employee of the Insured or t ny other ple t whih the Insured is engged in the ourse of usiness not eing Premises elonging to or in the ustody or ontrol of the Insured Territoril Limits The Chnnel Islnds Gret Britin Northern Irelnd the Isle of Mn nd the Repuli of Irelnd inluding trnsit y se etween ny suh territories nd lso in respet of liility rising from the use of Vehile in ny ountry whih is memer of the Europen Community nd ny other ountry in respet of whih the Commission of the Europen Eonomi Community is stisfied tht the rrngements hve een mde to meet the requirements of Artile 7 (2) of the E.C. Diretive on Insurne of Civil Liilities rising from the Use of motor vehiles (No. 72/166/CEE) ut only s is ompulsorily insurle in suh ountry inluding osts nd expenses inurred with The Insurers onsent in respet of liility rising otherwise thn from the use of Vehile nywhere in the world in respet of the ts or omissions of diretors prtners or Employees normlly resident in the Chnnel Isles Gret Britin Northern Irelnd the Isle of Mn nd the Repuli of Irelnd ut temporrily engged in the Business outside suh territories Theft Theft mens theft or ttempted theft involving forile nd violent entry to or exit from the Poliyholder s premises or other premises s desried in the Poliy ut in respet of Vehiles Theft shll men theft or ttempted theft exluding onversion (see Setion 3) The Insurers Insurne Corportion of the Chnnel Islnds Ltd Vehile ny motor vehile triler or griulturl implement elonging to or hired to or lesed to the Insured or the insured ustody or ontrol in the ourse of the Business or in the ustody or ontrol of ny su-ontrtor of the Insured not eing i stem-driven vehile ii goods rrying vehile whilst eing used for hire or rewrd (other thn for demonstrtion tuition or driving tests) unless suh hs een notified to The Insurers nd epted y them ny vehile (mehnilly propelled or otherwise) tthed to motor vehile for the purposes of eing towed or on motor vehile or triler desried in prgrph ove inluding essories or spre prts thereon relting to suh vehiles 4

5 Setion 1 Mteril Dmge A COVER The Property Insured desried in the Shedule elonging to the Insured or for whih the Insured is leglly responsile is overed for the neessry nd resonle osts of repiring repling reinstting or restoring Dmge y ny use not exluded nd not n exeption inluding osts nd expenses neessrily inurred in removing deris demolishing shoring up or propping following suh Dmge nd in respet of fixed externl glss t the Premises the ost of neessry ording or pending replement following Dmge overed y this Setion B ADDITIONAL COVER Exept for Premises where Theft is shown s inopertive in the Shedule this Setion lso overs Replement of Loks Costs inurred s result of the neessry replement of loks t the Premises following Theft of keys from the Premises or from the home of ny diretor prtner or uthorised y the Insured to hold suh keys provided tht The Insurers liility shll not inlude the ost of repling the loks of ny sfe or strongroom if the keys to suh loks re left on the Premises whilst losed for usiness or exeed 5,000 ny one ourrene The Premises Dmge to the Premises used y Theft C EXTENSIONS Arhitets Surveyors & Legl Fees Following Dmge overed y this Setion The Insurers will lso py for rhitets surveyors onsultnts nd legl fees neessrily inurred in the reinsttement of the Buildings nd Business Equipment ut not for prepring ny lim Puli Authorities Requirements Following Dmge overed y this Setion The Insurers will lso py for the dditionl ost of reinsttement of the Buildings inurred solely to omply with the requirements of puli uthority rising from plnning legisltion ut exluding osts inurred in omplying with suh legisltion under whih notie hs een served upon the Insured prior to the hppening of the Dmge or in respet of undmged prts of suh Property the mount of ny rte tx duty development or other hrge or ssessment whih my eome pyle following ompline with suh requirements Cpitl Additions The insurne y eh Item of this Setion on Buildings extends to over ny newly quired Property if it is not otherwise insured nd ltertions nd improvements to the Property ut not in respet of ppreition in vlue during the urrent Period of Insurne provided tht t ny one sitution this over will not exeed 10 per ent of the totl of the Sums Insured on suh Property or 50,000 whihever is the less the Insured undertkes to give prtiulrs of suh Property eh six months nd to elet speifi insurne on it retrospetive to the dte of the ommenement of The Insurers liility Contrting Purhser Where the Insured ontrts to sell his interest in ny Buildings insured y this Setion the ontrting purhser hs the enefit of the insurne y this Setion up to the dte of ompletion if the Buildings re not otherwise insured nd without prejudie to the rights nd liilities of the Insured or The Insurers 5

6 Mortggee Non-Invlidtion The interest of mortggee in this Insurne shll not e prejudied y ny t or neglet of the mortggor or oupier of ny Building insured y this Setion wherey the risk of Dmge is inresed without the uthority or knowledge of the mortggee provided tht the mortggee immeditely on eoming wre thereof gives notie to The Insurers nd pys n dditionl premium if required Non-Invlidtion (Let Premises) The insurne y this Setion insofr s it reltes to Buildings or prts of Buildings not oupied y the Insured shll not e invlidted y ny t or omission or y ny ltertion wherey the risk of Dmge is inresed without the uthority or knowledge or eyond the ontrol of the Insured provided tht the Insured immeditely on eoming wre thereof gives notie to The Insurers nd pys n dditionl premium if required Property removed This Setion lso overs Dmge to Business Equipment (other thn personl effets elonging to the Insured or ny diretor prtner or Employee of the Insured) whilst temporrily removed from the Premises within the Territoril Limits if Dmge is used y use overed y this Setion provided tht The Insurers liility should not exeed the limit shown in the Shedule Spontneous Comustion of Col The Insurne y this Setion extends to inlude Dmge to ol oke nd wood loks used y its own spontneous heting or omustion whether fire ensues or not Stok Delrtion The insurne on Stok (only when shown s suh in the Shedule) is sujet to the following provisions The First nd Annul premiums for the item(s) re provisionl nd re sujet to djustment s hereinfter provided D The vlue of the Property on the lst dy of eh lendr month (or in respet of qurterly delrtion the lst dy of the pproprite months) shll e delred in writing y the Insured to The Insurers within thirty dys of the end of eh Period of Insurne nd if delrtion is not provided the Insured shll e deemed to hve delred Sum Insured s the vlue On the expiry of eh Period of Insurne the tul premium shll e lulted t the rte per ent per nnum pplile on the verge mount delred If the tul premium is greter thn the first premium or the nnul premium therefter the Insured shll py the differene nd if it e less the differene shll e repid to the Insured ADDITIONAL PROPERTY COVERED This Setion extends to over Dmge to the following Property if it is owned y the Insured or the Insured is leglly responsile for it Television Aerils Rdio television nd stellite erils their fixtures or msts t the Premises Underground Pipes nd Cles Underground wter gs eletriity sewge dringe or telephone pipes wires or les extending from the Premises to the puli min Snitry Fittings Fixed snitry wre nd fittings in the Buildings situted t the Premises E LIMITS OF LIABILITY The Insurers liility during ny one Period of Insurne shll not exeed in respet of 1 ny Property speified in the Shedule inluding Stok of Vehiles - the Sum Insured set ginst it 2 personl effets or tools elonging to the Insured or ny diretor prtner ustomer or Employee of the Insured ny one person 6

7 3 Dmge to the Premises used y Theft - the ost of repirs 4 ny one Vehile - 100,000 or the trde vlue of the Vehile whihever is the lower Index Linking The Sums Insured in the Shedule for Buildings Business Equipment or Stok will e utomtilly inresed in ordne with the relevnt setions of the Index of Retil Pries s issued y the Sttes of Guernsey nd Jersey or n lterntive index seleted y The Insurers Provided tht 1 ny djustments mde to the Sum Insured will e sed on the ltest figures ville to The Insurers 2 t eh renewl the premium will e lulted on the djusted Sum Insured then in fore Protetion fter loss The Sums Insured on ny Buildings or Business Equipment items whih sustin Dmge y use overed y this Setion will ontinue to e Index-linked following suh Dmge while the Property is eing repired repled restored or reinstted provided tht the Insured tkes ll resonle steps to ensure tht the reinsttement is rried out without undue dely F CLAIMS SETTLEMENT Following Dmge overed under this Setion other thn Dmge to ny Vehile or Stok of Vehiles The Insurers will py the ost of restoring repiring repling or reinstting the Property equl to its ondition when new provided tht 1 this is rried out without dely nd in the most eonomil mnner 2 when ny Property is prtilly dmged The Insurers liility shll not exeed the reinsttement ost tht would hve een inurred hd it een wholly destroyed 3 no pyment will e mde until reinsttement hs een rried out 4 if the dmged Property is not reinstted loss will e settled fter llowne for depreition 5 in respet of deeds douments nd usiness ooks The Insurers liility shll not exeed their vlue s sttionery together with the leril ost of re-writing 6 The Insurers shll not e lile for ny ost the Poliyholder ws due to inur s prt of ny plnned refurishment or restortion of the Property Underinsurne Eh item on Buildings nd Business Equipment is delred to e sujet to the following Underinsurne Condition If t the time of Dmge the Sum Insured on ny Item is less thn 85% of the reinsttement ost of the Property overed y suh item then the Insured shll e onsidered s eing his own insurer for the differene nd shll er rtele shre of the loss ordingly Following Dmge to Property other thn Buildings nd Business Equipment ove eh item is delred to e sujet to the following Underinsurne Condition If t the time of Dmge the Sum Insured on ny Item is less thn the vlue of the Property overed y suh item then the Insured shll e onsidered s eing his own insurer for the differene nd shll er rtele shre of the loss ordingly This luse is not pplile to Items solely eing privte dwellings Rent deris removl professionl fees douments mnusripts usiness ooks omputer systems reords ptterns models moulds plns nd designs Limit of Liility The Insurers mximum liility in the event of Dmge shll e the Sum Insured pplile to the item whih hs inurred Dmge 7

8 G EXCEPTIONS The Insurers will not e lile under this Setion 1 for Dmge to d e f g h rilwy loomotives or rolling stok wterrft or irrft sh nk notes heques seurities for money stmps deed onds ills of exhnge or promissory notes Property in trnsit exept s provided for under prgrph C Extensions of this Setion Property or strutures in ourse of onstrution or eretion nd mterils or supplies in onnetion with ll suh Property in ourse of onstrution or eretion livestok growing rops or trees linds or signs not seurely fixed to the Premises movele Property in the open other thn Vehiles or fenes or gtes y wind rin hil sleet snow flood or dust lnd rods pvements piers jetties ridges ulverts or exvtions 2 for Dmge rising from Theft of ttempted Theft to Property outside the Premises or in ny grden yrd open spe or outuilding (other thn Stok of Vehiles) 3 for Dmge to glss (other thn fixed externl glss) hin erthenwre mrle or other frgile or rittle ojets unless used y fire lightning explosion irrft erthquke riot ivil ommotion strikes loked-out workers persons tking prt in lour disturnes mliious persons storm flood ursting overflowing dishrging or leking of wter tnks pprtus or pipes or impt y ny mehnilly propelled vehile or ril rolling stok or ny niml 4 for Dmge due to dispperne unexplined or inventory shortge misfiling or mispling of informtion for rking frturing ollpse or overheting of oilers eonomisers vessels tues or pipes nipple lekge or the filure of welds of oilers 5 for Dmge used y d e f fulty or defetive design mterils or workmnship inherent vie ltent defet grdul deteriortion wer nd ter or frost orrosion rust dmpness dryness wet or dry rot shrinkge evportion loss of weight ontmintion pollution hnge in temperture olour flvour texture of finish vermin insets mrring or srthing susidene ground heve or lndslip or the norml settlement or edding down of new strutures ollpse or rking of uildings ursting overflowing dishrging or leking of wter tnks pprtus or pipes when the Premises re empty or disused ts of frud or dishonesty 6 for Dmge to Property used y its own mehnil or eletril rekdown or derngement use ontrry to the mnufturers instrutions its undergoing ny proess of prodution pking tretment testing ommissioning Repir Serviing or Mintenne 7 for Dmge ttriutle solely to hnge in the wter tle level 8 for onsequentil loss of ny kind 8

9 Setion 2 Business Interruption THIS SECTION IS ONLY OPERATIVE IF SHOWN IN THE SCHEDULE Definitions Turnover The money pid or pyle to the Insured for servies rendered nd for goods sold in the ourse of the Business Gross Profit The tul mount y whih the Turnover plus the vlue of losing stok nd work in progress exeeds purhses plus the vlue of the opening stok nd work in progress lulted on the position on the first dte of eh Period of Insurne Rte of Gross Profit Gross Profit expressed s perentge of stndrd Turnover Indemnity Period The period eginning with the ourrene of the Dmge nd ending not lter thn the Mximum Indemnity Period therefter during whih the results of the Business shll e ffeted in onsequene of the Dmge Mximum Indemnity Period As stted in the Shedule Rte of Trding Profit The rte of Trding Profit erned on the Turnover during the finnil yer immeditely efore the dte of the Dmge - djusted s my e neessry to provide for vritions in or other irumstnes ffeting the Business so tht the djusted figures shll represent s fr s possile the results whih ut for the Dmge would hve een otined during the reltive period fter the Dmge Annul Turnover The Turnover during the twelve months immeditely efore the dte of the Dmge - djusted s my e neessry to provide for vritions in other irumstnes ffeting the Business so tht the djusted figures shll represent s fr s possile the results whih ut for the Dmge would hve een otined during the reltive period fter the Dmge Stndrd Turnover The Annul Turnover immeditely efore the dte of the Dmge whih orresponds with the Indemnity Period - djusted s my e neessry to provide for vritions in or other irumstnes ffeting the Business so tht the djusted figures shll represent s fr s possile the results whih ut for the Dmge would hve een otined the reltive period fter the Dmge A COVER If the Business is interrupted euse of 1 Dmge for whih The Insurers hve dmitted liility under Setion 1 - Mteril Dmge 2 Dmge to property in the viinity of the Premises y use overed under Setion 1 - Mteril Dmge whih hinders or prevents ess to the Premises The Insurers will py for the trding loss during the period eginning with the ourrene of Dmge nd ending not lter thn the Mximum Indemnity Period shown in the Shedule therefter during whih the results of the Business shll e ffeted in onsequene of the Dmge in ordne with prgrph C Clims Settlement of this setion B LIMIT OF LIABILITY The Insurers liility for ll loss resulting from interruption of the Business rising during ny one Period of Insurne shll not exeed the Sum Insured stted in the Shedule 9

10 C CLAIMS SETTLEMENT The Insurers will py 1 in respet of redution in sles - the redution in Gross Profit on ny shortfll in expeted sles less ny hrges or expenses whih re redued euse of the interruption 2 in respet of dditionl expenditure - tht resonly inurred to void redution in reeipts (ut not exeeding the mount whih would otherwise hve een pyle under C 1 ove) 3 in respet of professionl ountnts hrges - those resonly inurred y the Insured for produing nd ertifying ny prtiulrs required y The Insurers in onnetion with the investigtion nd verifition of lim Underinsurne If t the time of Dmge the Sum Insured y this item e less thn the sum produed y pplying the Rte of Gross Profit to the nnul turnover (or to proportiontely inresed multiple thereof where the Mximum Indemnity Period exeeds twelve months) the mount pyle shll e proportiontely redued Alterntive Aommodtion If during the Indemnity Period ommodtion shll e provided servies rendered or goods sold elsewhere thn t the Premises for the enefit of the Business either y the Insured of y others on his ehlf the Money pid or pyle in respet of suh ommodtion servies or sles shll e rought into ount in rriving t the Turnover during the Indemnity Period D DECLARATION LINKED EXTENSION (pplile only when shown s suh in the Shedule) The Underinsurne Cluse in the Poliy is nelled nd the following luses re dded:- Renewl Prior to eh renewl the Insured shll provide The Insurers with n estimte of the mount representing not less thn the Gross Profit whih it is ntiipted will e erned y the Business during the finnil yer most nerly onurrent with the Period of Insurne referred to in the poliy s the Estimte If the Mximum Indemnity Period exeeds twelve months The Insurers will inrese the delred mount proportiontely to rrive t the Estimte Limit of Liility The Insurers liility in respet of Gross Profit shll not exeed % of the Estimte Premium Adjustment The first premium nd renewl premiums re provisionl nd re sed on the Estimte Not more thn six months fter the expiry of the Period of Insurne the Insured shll provide The Insurers with delrtion onfirmed y the Insured s uditors of the Gross Profit erned during the finnil yer most nerly onurrent with tht Period of Insurne If the delred mount is less thn the Estimte stted in the Shedule for tht Period of Insurne The Insurers will llow pro-rt premium refund If ny Dmge hs ourred giving rise to lim for loss of Gross Profit The Insurers will inrese the delrtion for the purpose of premium djustment y the mount y whih the Gross Profit ws redued during the Period of Insurne in onsequene of the Dmge 10

11 E SUPPLIERS EXTENSION Loss s insured y this Setion resulting from interruption of or interferene with the Business in onsequene of Dmge to property speified in the Shedule shll e deemed to e loss resulting from Dmge to property used y the Insured t the Premises Provided tht the liility of The Insurers under this extension shll not exeed the following perentges of either 1 the Sum Insured where the mount on the Shedule is shown s Sum Insured % of the Estimted Gross Profit where the mount on the Shedule is shown s Estimted Gross Profit the Premises of ny motor vehile mnufturer supplying them with omponents or mterils ll situte in the Chnnel Islnds Gret Britin Northern Irelnd the Isle of Mn nd the Repuli of Irelnd - 25% the Premises of ny Compny from whih the Insured otins regulr supplies of motor fuel ll situte in the Chnnel Islnds Gret Britin Northern Irelnd the Isle of Mn nd the Repuli of Irelnd % new vehiles whilst stored t premises not in the ouption of the Insured ll situte in the Chnnel Islnds Gret Britin Northern Irelnd the Isle of Mn nd the Repuli of Irelnd - 10% 11

12 Setion 3A Money THIS SECTION IS ONLY OPERATIVE IF SHOWN AS SUCH IN THE SCHEDULE A COVER Whilst within the Territoril Limits 1 Money is overed ginst Dmge 2 ny sfe strongroom se sh ox g or wistot used for the storge or rrige of Money is overed ginst Dmge s result of Theft or ttempted Theft of Money whilst i ii iii iv in the Insured s Premises in trnsit in nk night sfe until removed y n uthorised nk offiil in the dwelling of the Insured or of ny person to whom suh Money is entrusted up to the Limits of Liility elow in respet of ny one ourrene B LIMITS OF LIABILITY 1 Crossed Cheques Crossed Giroheques Crossed Bnkers Drfts Crossed Money Orders Crossed Postl Orders used Ntionl Insurne Stmps Ntionl Svings Certifites Credit Compny Sles Vouhers V.A.T. Purhse Invoies nd used units in frnking mhines 250,000 2 Money (other thn 1 ove) in the Premises when losed for usiness nd not ontined in loked sfe or strongroom 250 in the dwelling of the Insured or of ny person to whom suh Money is entrusted Money (other thn 1 ove) in the Premises when losed for usiness nd ontined in loked sfe or strongroom 1,000 4 Money (other thn 1 to 3 ove) in the Premises when open for usiness in trnsit in nk night sfe until removed y n uthorised nk offiil 10,000 provided tht The Insurers liility in respet of Money in trnsit under 4 shll e restrited to 5,000 unless suh Money is in the ustody of t lest two le odied persons C EXCEPTIONS The Insurers will not e lile under this Setion for 1 Dmge due to error or omission in reeipts pyments or ounting prtie onsequentil loss of ny kind 2 Dmge due to the dishonesty of ny diretor prtner or Employee of the Insured unless disovered within seven working dys of its ourrene 3 Dmge resulting from sfe or strongroom eing opened y the use of key or omintion ode through the key or omintion ode hving een left on the Premises whilst losed for usiness 4 Loss from ny unttended motor vehile 12

13 Setion 3B Conversion THIS SECTION IS ONLY OPERATIVE IF SECTION 3A IS OPERATIVE Provided the Insured hs ted in good fith nd with resonle re The Insurers will indemnify the Insured ginst 80% of the loss in respet of legl liility whih the Insured my sustin in onnetion with ny Vehile purhsed during the Period of Insurne y the Insured in respet of whih: the true owner hs mde lim for the return of the Vehile or its vlue the person to whom the Insured hs purported to sell the Vehile hs mde lim for dmges for reh of implied wrrnty of title This indemnity is limited to the sum of 10,000 in respet of ny numer of Vehiles purhsed y the Insured during ny one Period of Insurne Notie of ny lim or potentil lim must e given to The Insurers within period of twelve months from the dte on whih the Vehile ws purhsed y the Insured 13

14 Setion 3C Personl Aident (Assult) THIS SECTION IS ONLY OPERATIVE IF SECTION 3A IS OPERATIVE Definitions Insured Person A the Insured or ny diretor prtner or Employee of the Insured or ny person to whom the Insured hs entrusted Money other thn n Employee of professionl seurity ompny or orgnistion COVER If n Insured Person suffers identl odily injury s desried elow s diret result of roery or ttempted roery in the ourse of the Business The Insurers will py the relevnt sum speified elow 1 odily injury whih within twenty four months from its ourrene is the sole nd diret use of d deth or loss of one or more lims y physil seprtion t or ove the wrist or nkle or permnent nd totl loss of use of one or oth hnds or feet or totl nd irreoverle loss of sight in one or oth eyes 5,000 2 odily injury not resulting in loss of lims or sight s defined in 1 whih is the sole nd diret use of the Insured Person eing totlly disled nd prevented from ttending to ny usiness or ouption with proof stisftory to The Insurers tht suh dislement hs ontinued for twelve months from its ourrene nd will in ll proility ontinue for the reminder of the Insured Person s life 5,000 3 odily injury whih is the sole nd diret use of the Insured Person eing totlly disled nd prevented from ttending to his ouption ompenstion for the period of suh dislement ut not exeeding 104 weeks 50 per week provided tht The Insurers shll e lile to mke only one pyment under 1 nd 2 in respet of ny one Insured Person resulting from n ident weekly ompenstion under 3 shll eome pyle when the period of dislement hs een sertined nd the totl mount greed or t the request of the Insured t intervls of not less thn four weeks the Insured Person shll t upon medil or surgil dvie s soon s prtile nd sumit to medil exmintion t The Insurers expense nd s often s they require B ADDITIONAL COVER Dmge to Clothing nd Personl Effets If Clothing or Personl Effets (exluding jewellery nd wthes) of n Insured Person sustin Dmge s diret result of roery or ttempted roery in the ourse of the Business The Insurers will mke good suh Dmge up to 500 ny one Insured Person Medil Expenses The Insurers will py to the Insured Person Medil Expenses neessrily inurred in tretment of the Insured Person sujet to limittion of 15% of COVER 2 inurred s diret result of roery or ttempted roery in the ourse of the Business 14

15 Setion 4 - Refrigerted Stok THIS SECTION IS OPERATIVE ONLY IF SHOWN AS SUCH IN SCHEDULE A COVER Refrigerted Stok is overed ginst Dmge t the Premises s result of deteriortion or putreftion used y 1 rise in temperture s result of rekdown of or Dmge to the refrigertor non-opertion of ny thermostti or utomti ontrolling devies pertining to the refrigertor identl filure of the puli supply of eletriity not osioned y the delierte t of the supply uthority 2 tion of refrigernt fumes esping from the refrigertor B LIMITS OF LIABILITY The Insurers liility during ny one Period of Insurne shll not exeed in respet of eh unit speified in the Shedule the Sum Insured set ginst it Index-Linking The Sum Insured in the Shedule will e utomtilly inresed in ordne with the relevnt setions of the Index of Retil Pries s issued y the Sttes of Guernsey nd Jersey (or t The Insurers option n lterntive index) Provided tht ny djustment mde to the Sum Insured will e sed on the ltest figures ville to The Insurers t eh renewl the premium will e lulted on the djusted Sum Insured then in fore C UNDERINSURANCE If t the time of Dmge the totl of the Sums Insured speified in the Shedule is less thn 85% of the vlue of the Property overed y this Setion The Insurers shll er only tht proportion of the Dmge whih the totl of the Sums Insured er to the totl vlue D EXCEPTIONS The Insurers will not e lile under this Setion for Dmge 1 used y ny wilful t or wilful neglet y the Insured or ny diretor prtner or Employee of the Insured 2 Dmge to food in ny unit more thn ten yers old 15

16 Setion 5 - Employers Liility THIS SECTION IS ONLY OPERATIVE ONLY IF SHOWN AS SUCH IN SCHEDULE A COVER 1 In the event of Injury used during the Period of Insurne to ny Employee while employed in the Territoril Limits nd rising out of nd in the ourse of their employment y the Insured The Insurers will sujet to the Limit of Liility s speified in the Shedule indemnify the Insured ginst liility t lw for dmges nd limnts osts nd expenses inurred in respet of suh Injury indemnify in the terms of this setion if the Insured so requests i ii ny diretor or Employee in respet of liility for whih the Insured would hve een entitled to indemnity if the lim hd een mde ginst him ny offier or memer of the Insured s nteen soil sports or welfre orgnistions nd the fire first-id nd mulne servies ny Prinipl on whose ehlf the Insured in the ourse of the Business is undertking work to the extent tht the ontrt etween the Insured nd suh Prinipl so requires in respet of liility rising from the performne of suh work the legl personl representtives of ny person entitled to indemnity under this Setion in respet of liility inurred y tht person If The Insurers re lile to indemnify more tht one prty the totl mount of indemnity to ll suh prties inluding the Insured shll not exeed the Limits of Liility 2 If The Insured omprises more thn one prty (whih term in the se of Prtnership inludes eh individul prtner) The Insurers will indemnify eh in the terms of this Poliy ginst liility inurred to the other s if suh ws not inluded s n Insured 3 The Insurers will in ddition py soliitors fees for representtion t ny Coroner s Inquest or ftl inquiry or Court of Summry Jurisdition in respet of ny event whih my e the sujet of indemnity under 1 ove osts nd expenses inurred with their written onsent Helth & Sfety t Work Lw The Insurers will t the request of the Insured indemnity ny Employee or diretor of the Insured ginst legl osts nd expenses inurred in the defene of ny riminl proeedings rought for reh of the relevnt Helth nd Sfety leglistion pplile in Gret Britin Northern Irelnd the Isle of Mn or the Chnnel Islnds ommitted or lleged to hve een ommitted during the Period of Insurne inluding legl osts nd expenses inurred with the onsent of The Insurers in n ppel ginst onvition rising from suh proeedings Provided tht The Insurers shll not e lile for the pyment of fines or penlties Unstisfied Court Judgements In the event of judgement for dmges eing otined y n Employee in respet of odily injury to the Employee used during ny Period of Insurne rising out of nd in the ourse nd employment y the Insured in the Business ginst ny ompny or individul operting from premises within Gret Britin Northern Irelnd the Isle of Mn or the Chnnel Islnds in ny Court situte in those ountries nd remining unstisfied in whole or in prt six months fter the dte of suh judgement The Insurers will t the request of the Insured indemnify up to the Limit of Indemnity the Employee or the personl representtives of the Employee up to the mount of ny suh dmges nd ny wrded osts to the extent tht they remin unstisfied 16

17 Provided tht there is no ppel outstnding if ny pyment is mde hereunder the Employee or the personl representtives of the Employee shll ssign the judgement to The Insurers Compenstion for Court Attendne In the event of ny of the undermentioned persons ttending ourt s witness t the request of The Insurers in onnetion with lim in request of whih the Insured is entitled to indemnity under this Poliy The Insurers will provide ompenstion to the Insured t the following rtes per dy for eh dy on whih ttendne is required ny diretor prtner of the Insured 250 ny Employee 100 Right of Reovery Cluse The indemnity grnted y this setion is deemed to e in ordne with the provisions of ny lw ented in Gret Britin Northern Irelnd the Isle of Mn or the Chnnel Islnds relting to ompulsory insurne of liility to Employees ut the Insured shll repy to The Insurers ll sums pid y The Insurers whih The Insurers would not hve een lile to py ut for the provisions of suh lw B EXCEPTIONS This setion does not over liility in respet of Injury rising in onnetion with work on offshore instlltions or trnsit thereto or therefrom Injury rising when ny Employee is i ii rried in or upon vehile entering or getting on to or lighting from vehile in irumstnes where ny rod trffi leglistion requires insurne or seurity ring 17

18 Setion 6 Engineering THIS SECTION IS ONLY OPERATIVE IF SHOWN AS SUCH IN THE SCHEDULE Plnt Contingeny The insurne y this Setion will indemnity the Insured ginst the ost of mking good insured dmge to the Plnt sujet to the durtion of the exess nd to the limit of liility nd to the provision of inspetion servies Definitions Plnt All integrl prts of the items listed in the tthed Plnt Shedules other thn those prts speified in suh Shedules s eing exluded Insured Dmge As defined elow ourring t the Lotion during the urreny of the poliy sujet in respet of ny one ourrene to the dedution of the Exess nd to the Limit of Liility The over pplying to eh item of Plnt is indited y one of the following over ode referenes set ginst it in the Plnt Shedules Lotion The situtions stted in the Plnt Shedules or other situtions in the Chnnel Islnds Gret Britin Northern Irelnd the Isle of Mn nd the Repuli of Irelnd t whih the Plnt my e temporrily loted inluding trnsit (other thn y se or ir) A SETTLEMENT Options for Settlement The Insurers my t its option repir reinstte or reple s new the insured Plnt or other insured property or py the mount of the Dmge The Insurers shll in no se e lile for the ost of ny ltertions dditions improvements modifitions or overhuls B AUTOMATIC COVER The Plnt listed in the Plnt Shedules shll e deemed to inlude for period not exeeding twelve months dditionl Plnt whih is instlled nd redy for use nd whih is of tegory whih the Insured hs previously delred his intention to insure provided lwys tht: suh dditionl Plnt is free from mteril defets known to the Insured nd omplies with ny sttutory oligtion onerning its exmintion nd ertifition tht the Insured shll inform The Insurers s soon s possile of the instlltion of suh dditionl Plnt nd py premium on the sis greed etween the Insured nd The Insurers from the dte of suh instlltion If following inspetion ny suh item of dditionl Plnt proves to e uneptle to The Insurers the Insured will e notified in writing nd the insurne provided y this Setion on suh item shll terminte forthwith C REPAIRS The Insured my proeed with minor repirs to the Plnt without prejudie to the liility of The Insurers provided tht notie nd full prtiulrs of the repirs re given to The Insurers forthwith nd ny dmged prts re kept for inspetion Other repirs to the Plnt shll e rried out with the onsent of The Insurers nd the insurne shll e suspended s regrds Dmge or liility rising out of the opertion of the Plnt onerned until the repirs hve een ompleted to the stisftion of The Insurers D PRECAUTIONS The Insured shll tke ll resonle steps to ensure the Plnt is properly mintined nd ll resonle preutions to prevent dmge to nd idents involving the Plnt 18

19 E WORKING CONDITIONS The Insurers shll e notified forthwith of ny proposed ltertion of or ddition to or hnge of irumstnes mterilly ffeting the working onditions of the Plnt F INSPECTIONS The Insurers shll hve the right to exmine the insured Plnt t ll resonle times during the Period of Insurne The Insurers will mke periodil exmintion of suh Plnt nd report thereon The Insured grees to hve the Plnt properly prepred t his own expense for suh exmintion s my e required Unless otherwise greed The Insurers shll not rry out or witness ny ultrsoni rdiogrphi or other speil tests of non-routine hrter nor in the se of Lifting nd Hndling Plnt ny proof stility nhorge or similr test The Exmintions nd Reports referred to shll e rried out y British Engine G ADDITIONAL EXPENSES Resonle dditionl expenses (when previously pproved y The Insurer ut not otherwise) inurred in mking temporry repir of Insured Dmge to the Plnt or in expediting the permnent repir of suh dmge provided tht the mount pyle in respet of eh nd every ourrene shll not exeed 1,500 H EXCEPTIONS Wer nd Ter nd the like Exept nd so fr s speifilly provided y this Setion The Insurers shll not e lile for the ost of the remedying or mking good: wer nd ter nd grdul deteriortion whether y wsting grooving rust orrosion erosion or otherwise nor for the ost of mintenne work generlly grdully developing defets flws deformtion distortion rks or prtil frtures loose prts of defetive joints or sems unless diretly due to overheting used y generl defiieny of wter in Boiler nd Pressure Plnt But insured Dmge resulting from ny of the foregoing is not exluded Repirs nd the like Dmge used y the pplition of ny tool or proess to n insured item in the ourse of mintenne inspetion repir ltertion modifition or overhul thereof The Insurers shll not in ny event e lile for: Exeptionl Working Conditions dmge to Plnt nd other insured rising out of nd during hydruli tests of Boiler nd Pressure Plnt dmge or liility rising out of Plnt eing sujeted to other tests involving norml stresses or rising out of Plnt eing intentionlly overloded dmge or liility rising out of ny rising or lowering opertion in whih single lod is shred etween ny item of Lifting nd Hndling Plnt nd ny other lifting equipment (whether insured hereunder or not) unless otherwise gree nd endorsed hereon Relevelling The ost of the relevelling Low Pressure Storge Plnt due to susidene or ground movement unless ompnied y Insured Dmge to the Plnt Delierte At or Neglet Dmge or liility rising out of delierte t omission or neglet of the Insured 19

20 I EXCLUDED PARTS foundtions msonry rikwork nd himneys exhngele or dethle tools nd pplines or elts ropes or onveyor elts or nds prts mde of glss or prts requiring frequent renewl in the norml ourse of opertions in the se of moile plnt:- i ii tteries triling les of flexile hoses tyres when dmged y the pplition of rkes or y uts ursts or puntures d in the se of Boiler nd Pressure Plnt nd Low Pressure Storge Plnt:- i ii pipes uried in the ground or in onrete msonry or rikwork eletril nd mehnil nillry equipment unless speifilly listed J LIMIT OF LIABILITY The mount pyle in respet of eh ourrene shll not exeed 100,000 K EXCESS The sum of 100 shll e deduted s exess from the mount pyle y The Insurers in respet of the indemnifile dmge rising out of eh ourrene 20

21 Setion 7 Personl Aident THIS SECTION IS ONLY OPERATIVE IF SHOWN AS SUCH IN THE SCHEDULE Definitions Bodily Injury identl odily injury drowning gssing or poisoning or exposure to the elements of n Insured Person resulting in Deth or Dislement Note: Bodily Injury does not inlude sikness nd disese unless resulting from mishp pregnny or hildirth or other nturlly ourring onditions Deth Bodily Injury whih within twenty four months from its ourrene is the sole nd diret use of deth Dislement mens Loss of Lims or Sight Permnent Totl Dislement Temporry Totl Dislement or Temporry Prtil Dislement Loss of Lims Bodily Injury whih within twenty four months from its ourrene is the sole nd diret use of loss of one or more lims y physil seprtion t or ove the wrist or nkle or permnent nd totl loss of use of one or oth hnds or feet or totl nd irreoverle loss of sight in one or oth eyes Permnent Totl Dislement Bodily Injury (not resulting in Loss of Lims or Sight) whih is the sole nd diret use of the Insured Person eing totlly disled nd prevented from ttending to ny usiness or ouption with proof stisftory to The Insurers tht suh Dislement hs ontinued for one yer from the dte of the ourrene nd will in ll proility ontinue for the reminder of the Insured Person s life Temporry Totl Dislement Bodily Injury whih is the sole nd diret use of the Insured Person eing totlly disled nd prevented from ttending to his usiness or ouption Temporry Prtil Dislement Bodily Injury whih is the sole nd diret use of the Insured Person eing prtilly disled nd prevented from ttending to sustntil prt of his usiness or ouption Insured Person The person or persons nmed in the Shedule A COVER If n Insured Person suffers Bodily Injury The Insurers will py to the Insured or his legl personl representtives the relevnt Benefit for Deth or Dislement of suh Insured Person speified in Bsis of Compenstion 21

22 B BASIS OF COMPENSATION The Benefits pplile to eh Insured Person re shown in the Shedule nd the ompenstion pyle will e in respet of 1 Deth Benefit 1 2 Loss of Lims or Sight Doule Benefit 1 3 Permnent Totl Dislement Doule Benefit 1 4 Temporry Totl Dislement - Benefit 2 ut exluding the first numer of weeks of eh period of Dislement shown in the Shedule 5 Temporry Prtil Dislement - 50 % of Benefit 2 ut exluding the first numer of weeks of eh period of Dislement shown in the Shedule provided tht ompenstion will not e pyle in respet of ny one Insured Person under more thn one of 1 to 3 ove nd when ompenstion eomes pyle under 1 to 3 The Insurers liility in respet of the Insured Person onerned shll ese when ompenstion under 3 eomes pyle suh pyment my t the request of the Insured or his legl personl representtives e deferred until the expiry of 104 weeks or the Insured Person s erlier Deth Suh deferment shll not prejudie the Insured s lim to weekly ompenstion under 4 ompenstion under 4 nd 5 ove nnot e limed in respet of ny one Insured Person i ii onurrently for the sme period under either or oth 4 nd 5 for period exeeding 104 weeks from the ommenement of the Dislement d e f ompenstion under 4 nd 5 ove shll eome pyle when the period of Dislement hs een sertined nd the totl mount greed or t the request of the Insured t intervls of not less thn four weeks the Insured will undertke to refund to The Insurers ny sum pid in respet of n Insured Person s presumed Deth if susequently it is estlished tht the Insured Person is live the ompenstion pyle will e redued y the perentge shown elow in the event of Bodily Injury sustined while the Insured Person is engged in qulung diving ssoition footll hunting wter ski-ing }25% motor yling point-to-point rugy footll winter sports }50% C CLAIMS CONDITIONS In the event of lim under this Setion 1 the Insured Person shll t upon medil or surgil dvie s soon s prtile nd sumit to medil exmintion t The Insurers expense s often s they require 2 resonle notie shll e given to The Insurers efore interment remtion or the holding of ny inquest enquiry or proeeding onerning the Deth or dispperne of n Insured Person 22

23 D EXCEPTIONS The Insurers will not e lile under this Setion for Deth or Dislement diretly or indiretly resulting from 1 n Insured Person ommitting or ttempting to ommit suiide or intentionlly infliting self-injury flying or tking prt in other eril tivities exept whilst trvelling in n irrft s pssenger nd not s irrew tking prt in mountin or rok liming neessitting the use of ropes or guides potholing ving ring of ny kind (other thn on foot or yhting on inlnd or territoril wters) or ski-jumping 2 use grdully operting upon n Insured Person 3 loholism or drug ddition of n Insured Person 4 ny physil or mentl defet or infirmity whih ws known to the Insured or Insured Person t the time of the ourrene of Bodily Injury unless it hs een delred to nd epted in writing y The Insurers However if the period of Dislement is prolonged ut not diretly or indiretly used y suh physil or mentl defet or infirmity The Insurers will py for tht period of Dislement whih would hve risen hd the physil or mentl defet or infirmity not existed 5 Humn Immunodefiieny Virus No Setion of this poliy shll pply in respet of nd this poliy does not over ny lim rising diretly or indiretly from ny injury illness Deth loss expense or other liility ttriutle to HIV (Humn Immunodefiieny Virus) nd/or HIV relted illness inluding AIDS (Aquired Immune Defiieny Syndrome) nd/or ny mutnt derivtive or vritions thereof however used 23

24 Setion 8 Puli Liility THIS SECTION IS OPERATIVE ONLY IF SHOWN AS SUCH IN THE SCHEDULE A COVER In respet of the Business t the Premises or within the Territoril Limits The Insurers will sujet to the Limits of Liility in the Shedule indemnify the Insured 1 Injury to ny person other thn n Employee 2 Dmge to Property ) hppening in onnetion with the usiness nd whih ours during the period of insurne within the Territoril Limits ) notwithstnding the Territoril Limits hppening nywhere in the world nd used to or y ny Vehile not elonging to the Insured nd not hired or lesed to him under hire purhse greement or Vehile lesing or other greement nd not in his ustody or ontrol provided tht liility rises from the Repir Serviing or Mintenne of suh Vehile 3 Finnil Loss B COMPENSATION FOR LOSS OR USE - CUSTOMER S VEHICLE Following Dmge to Vehile elonging to ustomer for whih The Insurers hve dmitted liility under Setion 1 - Mteril Dmge The Insurers will indemnify the Insured in respet of his legl liility to py for loss of use of suh Vehile C LEASED AND RENTED PREMISES Notwithstnding Exeption 1 of this setion The Insurers will lso indemnify the Insured in the terms of this Setion in respet of Dmge to ny uilding (inluding its fixtures nd fittings) whih is lesed hired or rented to the Insured ut The Insurers shll not e lile in respet of ) Dmge to the ontents of ny suh uilding ) the first 250 of eh nd every lim for Dmge used thn y fire or explosion ) liility rising solely euse of ontrt D DEFECTIVE PREMISES ACT The Insurers will indemnify the Insured in the terms of this Setion ginst legl liility inurred y the Insured under Setion 3 of the Defetive Premises At 1972 or Setion 5 of the Defetive Premises (Northern Irelnd) Order 1975 in respet of injury or Dmge ourring within period of seven yers from the expiry or nelltion of this Setion provided tht The Insurers shll not e lile under this extension if the Insured is entitled to indemnify under ny other insurne E PRODUCTS LIABILITY The Insurers will sujet to the Limits of Liility in the Shedule indemnify the Insured ginst legl liility for dmges nd limnts osts nd expenses inurred in respet of 1 Injury to ny person other thn n Employee 2 Dmge to Property hppening nywhere in the world during the Period of Insurne nd used y Produts ut The Insurers shll not e lile in respet of Dmge to or the ost of relling removing repiring or repling produts rising from defet in or n error in onnetion with the sle or supply or presenttion of suh Produts nd ll onsequentil losses flowing therefrom exept in the se of Dmge to seond-hnd Vehile sold or supplied y the Insured where suh Dmge rises from Repir Serviing or Mintenne (whih term shll not inlude omission to rry out ny Repir Serviing 24