Allianz Insurance plc. Motor Trade Select. Policy Wording

Transcription

1 Allinz Insurne pl Motor Trde Selet Poliy Wording

2 Contents Poliy Definitions 2 The Cover Provided Setion 1 Mteril Dmge 4 Setion 2 Motor Vehile Rod Risks 17 Setion 3 Self Drive Vehile Hire 26 Setion 4 MOT Loss of Liene 31 Setion 5 Engineering 33 Setion 6 Puli nd Produts Liility 39 Setion 7 Employers Liility 46 Setion 8 Business Interruption 49 Setion 9 Conversion 54 Setion 10 Fidelity Gurntee 55 Setion 11 Terrorism Mteril Dmge 59 Setion 12 Terrorism Business Interruption 59 Setion 13 Personl Aident 62 Setion 14 Commeril Legl Expenses 67 Setion 15 Diretors & Offiers 79 Generl Exlusions 92 Generl Conditions 96 Complints Proedure 101 For Your Protetion 101 Notifying Clim 102 Additionl Benefits 103 Dt Protetion 104 Importnt This doument provides detils of Your Poliy nd the terms nd onditions tht pply. Plese red it refully nd keep it in sfe ple.

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

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

5 14 Terrorism An t, inluding ut not limited to the use of fore or violene nd/or the thret thereof, of ny person or group(s) of persons whether ting lone or on ehlf of or in onnetion with ny orgnistion(s) or government(s), ommitted for politil, religious, ideologil or similr purposes inluding the intention to influene ny government nd/or to put the puli or ny setion of the puli in fer. In ny tion, suit or other proeedings where We llege tht y reson of this definition ny loss, destrution or dmge or ny onsequentil loss is not overed (or is overed only up to speified limit of liility), the urden of proving to the ontrry shll e upon You. In the event tht ny prt of the limittion nd/or exlusion of Terrorism eing found to e invlid or unenforle, the reminder shll remin in full fore nd effet. 15 The Business The trde or usiness tivities shown in the Shedule onduted solely from The Premises nd inludes: the repir, ltertion, serviing, mintenne nd reovery of motor vehiles, the sle or supply of motor vehiles, spre prts, omponents, essories or fuel 16 The Premises The Buildings t the ddress or ddresses shown in the Shedule inluding their grounds, ll within the oundries for whih You re responsile nd eing, unless more speifilly desried in the Shedule, oupied y You for the purpose of The Business. 17 Totl Sum Insured The mximum totl mount pyle y Us under ny Setion. 18 We/Us/Our/Ourselves Allinz Insurne pl. 19 You/Your/The Insured/Poliyholder The Insured nmed on the Poliy Shedule nd inludes, in the event of Your deth, ny of Your personl representtives in respet of liility inurred y You. 20 Poliy The ontrt of insurne formed of the douments desried in the Introdution. Where over is provided under the Diretors & Offiers liility Setion, You hve more thn one ontrt of insurne nd the definition of 'Poliy' should e onstrued ordingly. d e f g the pre-delivery hek of new vehiles nd the fitting of dditionl essories to suh vehiles the exmintion of motor vehiles in ordne with the Motor Vehiles (Tests) Regultions the provision of ssistne to emergeny servies or Puli Authorities the provision nd mngement of nteen, soil, sports, nursery rèhe or hildre filities where inidentl to The Business nd welfre orgnistions for the enefit of Employees nd Your fire, medil, seurity, first id, sfety nd mulne servies, nd privte work undertken with Your onsent y Employees for ny diretor, prtner or senior offiil of You property owners in respet of premises to whih this Poliy pplies nd premises previously owned nd oupied in onnetion with The Business exhiitions, trde shows nd orporte events. 3

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

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

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

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

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

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

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

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

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

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

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

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

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

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

20 Cover (Type of over is shown in the Shedule) Indemnity 1 Third Prty Liility 1 We will indemnify You ginst ll sums (inluding osts reovered y ny limnt nd/or osts inurred in the defene of ny lim where lim is ontested y Us, or with Our written onsent) whih You shll e leglly lile to py rising out of i ii iii the use of goods flling from nd during the opertion of loding or unloding the Insured Vehile for ny purpose permitted y Your Certifite of Motor Insurne nd with Your onsent nd resulting from identl deth of or odily injury to ny person identl dmge to ny property up to mximum of 10,000,000 ny one ourrene or series of ourrenes rising from ny one originting use exept tht if identl dmge is used y or in onnetion with Terrorism the indemnity is limited to 5,000,000 for ny one ourrene or series of ourrenes rising from one originting use. 2 We will lso similrly indemnify ny person driving or using the Insured Vehile with Your permission sujet prtiulrly to Exlusion 1 ny pssenger whilst in, mounting into, or dismounting from the Insured Vehile. 3 In respet of ny event whih my e the sujet of indemnity under this Setion, with Our prior written onsent We will rrnge nd py for: A B C representtion y soliitor t ny oroner's inquest or ftl ident inquiry or in ny Court of Summry Jurisdition legl osts nd expenses inurred y You in reltion to defene on ny hrge of mnslughter or of using deth y reless or dngerous driving legl osts nd expenses inurred in providing defene of ny riminl proeedings, inluding osts of proseution wrded ginst You nd ppels ginst judgements, rising from hrge under the Corporte Mnslughter nd Corporte Homiide At 2007 or ny equivlent legisltion in the Isle of Mn or the Chnnel Islnds. Provided tht i Our indemnity under this su-setion is sujet to Limit of 5,000,000 in ny one Period of Insurne. ii The proeedings must relte to n lleged reh ourring during the Period of Insurne within Gret Britin, Northern Irelnd, the Isle of Mn or the Chnnel Islnds in onnetion with the ownership, possession or use of n Insured Vehile. iii We hve greed detils of the speifi soliitor or ounsel, prior to their ppointment to t on Your ehlf. iv In the event of n ppel, soliitor or ounsel hs dvised tht there re strong prospets of sueeding in the ppel or reovering ny osts wrd mde ginst the defendnt t ll times throughout the ppels proess. Any hnge to suh prospet of suess during the ppels proess my result in over eing removed. We shll not e lile: for ny fines or penlties imposed on You or the ost of implementing ny remedil order or puliity order for proeedings resulting from ny delierte or intentionl riminl t or omission y You where indemnity is provided y nother soure or ny other insurne or where ut for the existene of this su setion indemnity would hve een provided y suh soure or insurne Speil Extension Motor Contingeny For the purpose of this Indemnity, We will deem ny vehile owned or provided nd driven y ny Employee of You for the purpose of The Business to e in the ustody or ontrol of You s though suh vehile ws the Insured Vehile provided tht We shll not e lile if t the time of ny ident there is ny other existing insurne overing the sme liility. Joint Insured - Cross Liilities If more thn one prty is nmed s You in the Shedule this Setion shll pply s though eh ws insured seprtely, provided tht Our liilities to ll prties indemnified shll not exeed in the ggregte the Limit of Indemnity speified in this Setion. 18

21 Exlusions to Indemnity 1 We shll not e lile: 1 for deth of or odily injury to ny person rising out of nd in the ourse of tht person s employment y the person liming to e indemnified where indemnity is provided under the Employers Liility Setion of this Poliy or ny other poliy issued to omply with employers liility lw 2 for dmge to property elonging to or held in trust y, or in the ustody or ontrol of, the person liming to e indemnified, or property eing onveyed y the Insured Vehile 3 for loss of or dmge to ny vehile or triler in onnetion with whih Indemnity is eing limed under this Setion 4 under 2 nd 3 of this Indemnity to indemnify ny person Indemnity 2 Dmge We will indemnify You ginst 1 loss of or dmge to the Insured Vehile up to the Insured Vlue. If We gree to py for dmge to e repired We my deide to use suitle prts whih re not supplied y the originl mnufturer. In the event of totl loss pyment in respet of n Insured Vehile, then We shll eome entitled to possession nd ownership of the vehile. 2 the ost of protetion nd removl of the Insured Vehile to the nerest repirer, when neessry if the Insured Vehile is disled, fter suh dmge nd the resonle ost of delivery to You fter repir. 3 legl liility to py for onsequentil loss or loss of use following loss of or dmge, referred to in 1 ove, to ny ustomers vehiles provided tht: i You shll effet repirs s quikly s possile unless suh person shll e sujet to the terms of this Poliy in so fr s they n pply ii Our liility is limited to 50,000 in respet of ny one ourrene. if suh person is entitled to indemnity under ny other poliy 5 for ny ontrtul liility 6 for deth or odily injury to ny person or dmge rising out of the presene of the Insured Vehile in or on prt of n erodrome, irport, irfield or militry se provided for the tke off or lnding of irrft or the movement of irrft on the surfe irrft prking prons inluding the ssoited servie rods, refuelling res, ground equipment prking res, mintenne res nd hngrs. 7 deth, injury, loss or dmge diretly or indiretly used y pollution or ontmintion unless the pollution or ontmintion is diretly used y sudden identifile unintended nd unexpeted inident whih ours in its entirety t speifi time nd ple during the Period of Insurne. All pollution or ontmintion whih rises out of one inident shll e deemed to hve ourred t the time suh inident tkes ple. This exlusion shll not pply in irumstnes where it is neessry to meet the requirements of ny ompulsory motor insurne legisltion opertive within the Geogrphil Limits of Your Poliy. 4 loss of or dmge to the ontents of ustomers vehiles, whilst in Your ustody or ontrol, provided tht Our liility is limited to 5,000 in respet of ny one ourrene. Contrt Prie In respet of ny Insured Vehile sold ut not delivered for whih You re responsile nd with regrd to whih under the Conditions of Sle the Sle Contrt is y reson of the loss or dmge nelled either wholly or to the extent of suh loss or dmge, Our liility shll e sed on the Contrt Prie nd not the Insured Vlue. Speil Extensions 1 New for Old (Vehiles) In respet of i ii ny Insured Vehile owned nd registered y You (or is the sujet of hire purhse or ny type of lesing or ontrt hire greement), or ny Privte Cr or motor yle owned nd registered in the nme of ustomer of You (or is the sujet of hire purhse or ny type of lesing or ontrt hire greement) sine new nd during the period of twelve months from the dte of its first registrtion, if it is either: 19

22 lost y Theft nd not reovered within 28 dys of the dte on whih the Theft is first reported to Us in writing rrying out gin the servie, mintenne, tretment, test or exmintion tht gve rise to ny loss of or dmge to the Insured Vehile. dmged to n extent greter thn 50% of its list prie (inlusive of tx) t the time of suh dmge We will, t Your request nd sujet to the onsent of other interested prties known to Us, reple suh vehile with new one of the sme mnufture nd model, sujet to vilility, nd therefter the lost or dmged vehile shll e Our property. 2 Finnil Loss (New nd Unused Vehiles) If We hve greed tht new nd unused vehile (whih is the sujet of indemnity under this Setion) hs eome unslele s n unused vehile, We will py ny dditionl disount mde neessry s diret result of suh lim to effet sle. 3 Loks nd Keys This Setion extends to inlude the ost of repling loks or lok mehnisms, keys, key rds nd remote ontrol trnsmitters, neessry to mintin the seurity of ny Insured Vehile ginst ess following theft of keys, key rds or remote ontrol trnsmitters y fore nd violene (or thret thereof ginst ny prtner, diretor or Employee of You) for n mount not exeeding 10,000 ny one ourrene of theft. The mximum We will py for ll losses of theft ourring during ny one Period of Insurne is 50,000. Exlusions to Indemnity 2 1 We shll not e lile to py for: d e wer nd ter depreition redution in mrket vlue following repir mehnil, eletril, eletroni, omputer, filures or rekdowns or rekges dmge to tyres y rking, puntures, uts or ursts. 2 This Indemnity does not over ny osts rising from the need for: the retifition of the originl repir or ltertion giving rise to ny loss of or dmge to the Insured Vehile 3 We shll not e lile to py the Amount speified elow of ny lim whilst ny Insured Vehile is eing driven y or is in the hrge of for the purpose of eing driven y person in the under mentioned Ctegories. Further the Amount speified elow shll pply in ddition to ny other Exess pplile under this Setion. Ctegories Amount All drivers under 21 yers of ge 250 Inexperiened drivers 25 yers of ge nd over or drivers from 21 to 24 yers of ge inlusive 175 An inexperiened driver is one who hs not held full (non-provisionl) liene issued in the Geogrphil Limits to drive the type of vehile eing driven for period of twelve onseutive months. Indemnity 3 Emergeny Tretment We will py for emergeny tretment s required y the Rod Trffi Ats rising out of the use of the Insured Vehile. Indemnity 4 Trilers Indemnity 1 pplies to ny triler whih is dethed from ny vehile ut only in so fr s it is neessry to meet the requirements of ny lw relting to ompulsory insurne in the territory onerned nd provided tht the insurne of the triler is Your responsiility. Indemnity 5 Foreign Trvel The Geogrphil Limits re extended to provide the minimum indemnity required to omply with the lws relting to ompulsory insurne of motor vehiles in ny ountry whih is memer of the Europen Union nd ny ountry in respet of whih the Commission of the Europen Union is stisfied tht rrngements hve een mde to meet the requirements of Artile 7 (2) of the E.U. Diretive on insurne of ivil liilities rising from the use of motor vehiles (No. 72/166/CEE). Where the minimum indemnity provided is less thn tht provided under United Kingdom minimum legl requirements, the higher level shll pply. 20

23 In ddition this Setion shll pply to ny Insured Vehile used in or whih is in trnsit etween suh ountries for Soil, Domesti nd Plesure purposes when the Certifite of Motor Insurne speifilly provides for suh foreign use. This Setion shll lso pply to other foreign use or in ny other ountry within the Continent of Europe provided notie of n intended foreign visit hs een given ut sujet to pyment of ny dditionl premium tht my e required nd to suh terms nd onditions s my e required y Us. Customs Duty We will indemnify You ginst liility inurred y You for the enfored pyment of Customs Duty on the Insured Vehile fter temporry importtion into ny ountry to whih this Setion pplies, provided tht suh liility rises s the diret result of loss of or dmge to the Insured Vehile whih is the sujet of indemnity under Your Poliy. Indemnity 6 Movement of Other Vehiles We will indemnify You ginst legl liility to py for deth, odily injury or dmge (inluding dmge to the vehile eing moved) rising out of the movement of vehiles not elonging to You or in Your ustody or ontrol with or without the owner s permission y You or ny prtner, diretor or Employee of You for the purpose of prking loding or unloding llowing free pssge of ny Insured Vehile. Indemnity 7 Driving Other Vehiles We will in terms of Indemnities 1 nd 3 indemnify You or ny prtner or diretor of You while driving ny motor vehile not elonging to or hired to You or ny prtner or diretor of You under Hire Purhse Agreement provided suh motor vehile is eing used within the Limittions s to Use speified in the urrent Certifite of Motor Insurne issued with this Poliy. No indemnity is grnted hereunder if indemnity is fforded to You or ny prtner or diretor of You y ny other insurne. Indemnity 8 Motor Legl Expenses Cover We gree to py Costs up to the Limit of Indemnity whih re inurred y You in the pursuit or defene of ny lim whih flls within the Cover desried elow. Uninsured Loss Reovery nd Injury We will py the Costs of You tking legl tion s result of ny rod ident whih uses the following: 1 Your deth or odily injury whilst You re in, on or getting into or out of the Insured Vehile 2 Dmge to the Insured Vehile 3 Dmge to property whih You own or re leglly responsile for nd whih is in or on the Insured Vehile. Motor Proseution Defene We will py the Costs of defending Your legl rights (inluding mking n ppel ginst Your onvition or sentene) fter ny event whih results in the following: 1 Criminl proeedings eing rought ginst You for reh of rod trffi lws or regultions relting to You owning or using n Insured Vehile; 2 A hering out withdrwing, restriting or suspending Your goods vehile, puli servie vehile, hkney rrige or privte hire liene or ny liene grnted y the Deprtment of Trnsport (other thn hering rising due to ommeril deision mde y You). We will provide Cover for Uninsured Loss Reovery nd Injury nd Motor Proseution Defene provided tht: 1 the lim is not overed under ny other insurne poliy; 2 the lim is not overed under Indemnity 1 of this Setion of Your Poliy; 3 the rod ident or event whih gives rise to the lim hppened within the Geogrphil Limits nd within the Period of Insurne; 4 the lim will e deided y ourt within the Geogrphil Limits; nd 5 there is resonle hne of reovering dmges or suessful defene t ll times. Limit of Indemnity The most We will py for ll lims rising out of ny one event is 100,

24 Exlusions to Indemnity 8 We will not provide over for the following: 1 ny fines, penlties or ompenstion wrds imposed y ourt, triunl or regultor e f hve prt or ll of Your ffirs ssets or property pled in the re or ontrol of reeiver or liquidtor, or hve n dministrtion order over Your ffirs ssets or property 2 ny osts or expenses wrded ginst You y riminl ourt 3 ny lim rising out of ontrt You hve with nother person or orgnistion 4 lim for n event whih is not overed under this Poliy 5 disputes etween You nd Us 6 Costs We hve not greed to in writing 7 ny Costs overed y nother insurne poliy 8 ny lim whih is overed under ny other Setion or Indemnity of this Poliy 9 Costs You hve pid diretly to the Legl Representtive or ny other person without Our permission 16 ny dispute or lim tht hppens euse You hve deliertely, onsiously, intentionlly or relessly filed to tke ll resonle steps to void, prevent nd limit tht dispute or lim. 17 ny riminl proeedings rising under the Corporte Mnslughter nd Corporte Homiide At 2007 or ny equivlent legisltion in the Chnnel Islnds or the Isle of Mn. Extensions to Indemnity 8 If You so request We will indemnify the following persons s though eh suh person ws individully nmed s You: 1 ny proprietor, prtner, diretor or Employee of You 2 ny memer of Your fmily if nmed person, or ny person referred to under Extension 1 ove provided tht: 10 ny Vlue Added Tx whih You n reover from elsewhere eh suh person shll e sujet to the terms of this Poliy in so fr s they n pply 11 n pplition for judiil review 12 prking offenes for whih You do not otin points on Your driving liene 13 ny riminl proeedings to do with driving whilst under the influene of drink or drugs 14 ny riminl proeedings where You do not hve vlid: motor insurne poliy; rod fund liene or MOT ertifite for the Insured Vehile; or driving liene 15 ny lim where You; eome insolvent (or ommit n t of insolveny or nkrupty), or enter into liquidtion, or mke n rrngement with reditors, or Our liility to You nd ll persons indemnified hereunder shll not exeed in the ggregte the Limit of Indemnity in respet of ny one lim. Speil Conditions pplying to Indemnity 8 No lim shll e pyle unless the terms of these Speil Conditions hve een stritly omplied with. 1 You must: provide Us with written detils of Your lim long with ny other supporting informtion We sk for d e mke Your lim within 6 months of the dte of the event whih gve rise to the dispute follow the Legl Representtive s dvie nd provide ny informtion he or she sks for tke every resonle step to reover Costs nd py them to Us otin Our written permission efore mking n ppel d enter into deed of rrngement, or f tke every resonle step to ensure tht the Legl Representtive keeps to ll prts of Condition 2 elow 22

25 g h report ny lim to Us nd not to ny other person or orgnistion not ppoint Legl Representtive. 2 The Legl Representtive must do the following: otin Our written permission efore instruting rrister or expert witness d tell Us if, t ny stge, there is no longer resonle hne of suessful defene, getting dmges k or getting ny other solution tht We gree to tell Us immeditely if You or Your opponent mke pyment into ourt or ny offer to settle the mtter report the result of the lim to Us when it is finished. 3 We will hve the right to do the following: tke over nd ondut, in Your nme, ny lim or proeedings d e f g h settle lim y pying the mount in dispute ppoint the Legl Representtive in Your nme nd on Your ehlf hve ny legl ill udited or ssessed ontt the Legl Representtive t ny time, nd hve ess to ll sttements, opinions nd reports relting to the lim end Your over provided y this Indemnity if, during the ourse of the lim, We think tht there is no longer resonle hne of suess. If You ontinue the lim nd get etter settlement thn We expeted, We will py Your resonle Costs settle the Costs overed y this Indemnity t the end of the lim end Your over nd reover ny Costs from You whih We hve lredy pid or greed to py if: i the Legl Representtive resonly refuses to ontinue ting for You euse of ny unresonle t or filure to t y You; or ii You unresonly withdrw Your lim from the Legl Representtive without Our greement; nd iii We do not gree to ppoint nother Legl Representtive to ontinue Your lim. 4 Your Agreements with Others We will not e ound y ny greement etween You nd the Legl Representtive or You nd ny other person or orgnistion. 5 Choosing the Legl Representtive At ny time efore We gree tht legl proeedings need to e issued or defended in respet of ny lim whih We hve epted, We will hoose the Legl Representtive to t in Your nme nd on Your ehlf. You n only hoose Legl Representtive if We gree tht legl proeedings need to e issued or defended or if onflit of interest rises whih mens tht the Legl Representtive originlly hosen y Us nnot t for You. In greeing to the seletion of Legl Representtive You must rememer Your duty to keep the Costs of ny legl proeedings s low s possile. In ll ses the Legl Representtive will e ppointed in Your nme nd on Your ehlf. If We do not gree with Your hoie of Legl Representtive, the mtter will e settled using the proedure in Speil Condition 6 elow. 6 Disputes If there is dispute etween You nd Us, the mtter my e referred to n ritrtor, who You nd We gree to. If You nd We nnot gree on n ritrtor, the President of the Lw Soiety or the Chirmn of the Br Counil will hoose one. Whoever loses the ritrtion must py ll the osts involved. If the deision is not lerly mde ginst either You or Us, the ritrtor will deide how You nd We will shre the osts. 7 Noties Every notie whih needs to e given under this Indemnity must e given in writing. If You give Us notie, You must send it to Our hed offie. If We give You notie, We must send it to Your lst known ddress. Notifying Clim under this Indemnity Uninsured Loss Reovery nd Injury If You need to lim for Uninsured Loss Reovery nd Injury under Indemnity 8 (Motor Legl Expenses) You should ll quote the Mster Poliy numer nd provide detils of the lim. The lim detils will e pssed on to Legl Representtive who will ontt You one the detils hve een reeived. If there is need to ontt Us diret to disuss ny Uninsured Loss Reovery or Injury lim lredy in progress, plese write to Us t the ddress elow or telephone Us on nd quote Mster Poliy numer

26 Motor Proseution Defene If You need to lim for Motor Proseution Defene You should ll Lwphone Legl Helpline on nd quote Mster Poliy numer You will e sked for rief summry of the prolem nd these detils will e pssed on to n dviser who will ll You k. We will send You lim form. You should fill in the lim form nd return it to Us without dely t the ddress shown elow. We will ontt You one the lim form hs een reeived. Plese note tht for ll lims mde under Indemnity 8, You must not ppoint soliitor. If You hve lredy seen soliitor efore We hve epted Your lim, We will not py ny fees or other expenses tht You hve inurred. If Your lim is overed, We will ppoint the Legl Representtive tht We hve greed to in Your nme nd on Your ehlf, sujet to the terms nd onditions of Your Poliy over. We will only strt to over Your Costs or Legl Expenses from the time We hve epted the lim nd ppointed the Legl Representtive. Our ddress is: Exlusions pplying to ll Indemnities The Generl Exlusions of this Poliy pply to this Setion nd in ddition it does not over: 1 ny lim or dmge rising whilst the Insured Vehile is eing driven y or is in the hrge of for the purpose of eing driven y ny person who is not within the Persons or Clsses of Persons Entitled to Drive shown in the urrent Certifite of Motor Insurne or is eing used otherwise thn within the Limittions s to Use shown in suh Certifite whih is inorported herein This Exlusion shll not pply to: i lims under Indemnity 2 ii the indemnity given to You (nd to no other person) under Indemnity 1 whilst the vehile is eing used without Your uthority or y suontrtor for the repir, ltertion, servie, mintenne, tretment, test or exmintion 2 ny lim or dmge rising whilst the Insured Vehile is Allinz Legl Protetion 2530 The Qudrnt Azte West Almondsury Bristol BS32 4AW on The Premises or t ny other lotion oupied y You for the purposes of The Business exepting liility under Indemnities 1, 3, 4, 6 nd 8 only whilst suh vehile is on ny rod within the mening of the Rod Trffi Ats or other rod trffi legisltion Indemnity 9 Unuthorised Use We will indemnify You ginst dmge to n Insured Vehile nd legl liility to py deth, odily injury or dmge rising out of the use of n Insured Vehile when used without the knowledge or onsent of n uthorised offiil of You provided tht there shll e no liility to indemnify the person driving or using the vehile. Indemnity 10 Su Contrtors Where n Insured Vehile is removed from The Premises for servie, repir or lening y prty ppointed y You, the sid vehile shll e deemed to e in Your ustody or ontrol. in storge t ny other premises 3 onsequentil loss to You rising diretly or indiretly from ny ident, dmge, injury or loss 4 ny ident rising outside the Geogrphil Limits other thn s provided y Indemnity 5 5 ny loss, dmge or liility other thn under Indemnities 1 nd 3 osioned y or hppening through or in onsequene of riot or ivil ommotion ourring elsewhere thn in Gret Britin, the Chnnel Islnds or the Isle of Mn. 24

27 Conditions The Generl Conditions of this Poliy pply to this Setion nd in ddition: 1 We my t Our option repir, reinstte, reple or mke good y pyment of money ny loss or dmge nd if to Your knowledge the Insured Vehile is the sujet of hire purhse greement, suh pyment shll e mde to the owner desried therein whose reeipt shll e full nd finl dishrge to Us in respet of suh loss or dmge. You shll not inur ny expense in mking good suh dmge without hving previously notified Us of the ident in the terms of this Setion nd hving supplied detiled estimte of the ost of repirs. Our liility for ny prt or essory shll e for the vlue of the prt or essory t the time of the ident not exeeding the mnufturer s lst list prie. 2 You shll repy to Us ll sums whih We would not hve een lile to py ut for the provisions of ny lw relting to the insurne of liility to third prties in ny of the territories to whih this Setion pplies. 3 The Insured Vehile nd/or prts shll e ville t ll resonle times for inspetion y Our duly uthorised representtives. 4 You shll tke ll resonle preutions to sfegurd the Insured Vehile from loss or dmge nd to mintin it in n effiient nd rodworthy ondition. 5 Supply of Vehile Dt You shll supply to Us, unless otherwise greed y Us in writing, detils of ny liensed Insured Vehile or trde plte whose use is overed y this Setion for entry on the Motor Insurne Dtse. In respet of ny liensed Insured Vehile nd trde plte, ny hnge of n Insured Vehile or trde plte, deletion or quisition of n dditionl Insured Vehile or trde plte must e notified to Us immeditely. 6 Avoidne of Certin Terms nd Right of Reovery Nothing in this Poliy shll ffet the right of ny person indemnified y this Poliy or of ny other person to reover n mount under or y virtue of the provisions of the lw of ny ountry in whih the Poliy opertes relting the insurne of liilities to Third Prties. However You shll repy to Us ll sums pid y Us whih We would not hve een lile to py ut for the provision of suh lw. 25

28 Setion 3 Self Drive Vehile Hire The Poliy Definitions of this Poliy pply to this Setion nd The Business shown in the Shedule is extended to inlude Your Self Drive Vehile Hire usiness sujet to the following: Definitions 1 Driver Any person dislosed in the Rentl Agreement y the Renter epted y You. 2 Insured Vlue The sum for whih the Rentl Vehile or vehile of equivlent qulity nd speifition ould hve een purhsed y You t the time of the loss. 3 Rentl Agreement Your Rentl Agreement, inorporting n insurne proposl, epted y Us. 4 Rentl Vehile Any motor vehile, sujet to Vehile Exise Duty (when required y lw), inluding Aessories, plnt nd equipment fixed thereto desried in prgrph 1 of Your Certifite of Motor Insurne nd ny triler the property of or in Your ustody or ontrol in onnetion with The Business hired out under Rentl Agreement. Cover Indemnity 1 Third Prty Liility 1 We will indemnify You ginst ll sums (inluding osts reovered y ny limnt nd/or osts inurred in the defene of ny lim where lim is ontested y Us, or with Our written onsent) whih You shll e leglly lile to py rising out of i ii iii the use of goods flling from nd during the opertion of loding or unloding the Rentl Vehile for ny purpose permitted y Your Certifite of Motor Insurne nd with Your onsent nd resulting from identl deth of or odily injury to ny person identl dmge to ny property up to mximum of 10,000,000 ny one ourrene or series of ourrenes rising from ny one originting use exept tht if identl dmge is used y or in onnetion with Terrorism the indemnity is limited to 5,000,000 for ny one ourrene or series of ourrenes rising from one originting use. 2 We will lso similrly indemnify 5 Rentl Purpose Any usiness or soil, domesti or plesure use not exluded y this Poliy. the Renter or Driver using the Rentl Vehile with Your permission sujet prtiulrly to Exlusion 1 of Exlusions Applying To All Indemnities. 6 Renter A person who hs signed or ompny whih hs used to e signed Rentl Agreement for the hire of Rentl Vehile. 7 With Insurne The hire of Rentl Vehile with n Indemnity to the Renter, Driver nd ny pssenger of sid vehile ginst the type of over shown in the Shedule. ny pssenger whilst in, mounting into, or dismounting from the Rentl Vehile 3 In the event of the deth of ny person entitled to indemnity under this Setion, We will indemnify Your legl personl representtives in respet of ny liility inurred y them within the limittions of this Setion. 4 In respet of ny event whih my e the sujet of indemnity under this Setion, with Our prior written onsent We will rrnge nd py for: 8 Without Insurne The hire of Rentl Vehile where the Renter is responsile, under the terms of the Rentl Agreement, for the rrngement of insurne for suh vehile. representtion y soliitor t ny oroner's inquest or ftl ident inquiry or in ny Court of Summry Jurisdition legl osts nd expenses inurred y You in reltion to defene on ny hrge of mnslughter or of using deth y reless or dngerous driving 26

29 Provided tht i ii iii iv v legl osts nd expenses inurred in providing defene of ny riminl proeedings, inluding osts of proseution wrded ginst You nd ppels ginst judgements, rising from hrge under the Corporte Mnslughter nd Corporte Homiide At 2007 or ny equivlent legisltion in the Isle of Mn or the Chnnel Islnds. Our indemnity under this su-setion is sujet to Limit of 5,000,000 in ny one Period of Insurne. The proeedings must relte to n lleged reh ourring during the Period of Insurne within Gret Britin, Northern Irelnd, the Isle of Mn or the Chnnel Islnds in onnetion with the ownership, possession or use of n Insured Vehile. We hve greed detils of the speifi soliitor or ounsel, prior to their ppointment to t on Your ehlf. In the event of n ppel, soliitor or ounsel hs dvised tht there re strong prospets of sueeding in the ppel or reovering ny osts wrd mde ginst the defendnt t ll times throughout the ppels proess. Any hnge to suh prospet of suess during the ppels proess my result in over eing removed. We shll not e lile: for ny fines or penlties imposed on You or the ost of implementing ny remedil order or puliity order for proeedings resulting from ny delierte or intentionl riminl t or omission y You where indemnity is provided y nother soure or ny other insurne or where ut for the existene of this su-setion indemnity would hve een provided y suh soure or insurne. Exlusions to Indemnity 1 We shll not e lile: 1 for deth of or odily injury to ny person rising out of nd in the ourse of tht person s employment y the person liming to e indemnified where indemnity is provided under the Employers Liility setion of this Poliy or ny other poliy issued to omply with employers liility lw 2 for dmge to property elonging to or held in trust y, or in the ustody or ontrol of the person liming to e indemnified, or property eing onveyed y the Rentl Vehile 3 for loss of or dmge to ny vehile or triler in onnetion with whih indemnity is eing limed under this Setion 4 under 2, 3 nd 4 of this Indemnity to indemnify ny person unless suh person shll e sujet to the terms of this Poliy in so fr s they n pply if suh person is entitled to indemnity under ny other poliy 5 for deth of or odily injury to ny person or dmge rising out of the presene of the Rentl Vehile in or on prt of n erodrome, irport, irfield or militry se provided for the tke off or lnding of irrft or the movement of irrft on the surfe irrft prking prons inluding the ssoited servie rods, refuelling res, ground equipment prking res, mintenne res nd hngrs 6 for ontrtul liility 7 under prgrph 2 to indemnify the Renter or Driver of the Rentl Vehile unless the Renter shll hve entered into nd omplied with the terms nd onditions of Rentl Agreement with You or with n uthorised gent of You. 8 deth, injury, loss or dmge diretly or indiretly used y pollution or ontmintion unless the pollution or ontmintion is diretly used y sudden identifile unintended nd unexpeted inident whih ours in its entirety t speifi time nd ple during the Period of Insurne. All pollution or ontmintion whih rises out of one inident shll e deemed to hve ourred t the time suh inident tkes ple. This exlusion shll not pply in irumstnes where it is neessry to meet the requirements of ny ompulsory motor insurne legisltion opertive within the territoril limits of this Poliy. 27

30 Indemnity 2 Dmge We will indemnify You ginst 1 loss of or dmge to the Rentl Vehile up to the Insured Vlue or the vlue lst delred to Us, whihever is the less. If We gree to py for dmge to e repired We my deide to use suitle prts whih re not supplied y the originl mnufturer. In the event of totl loss pyment in respet of Rentl Vehile, then We shll eome entitled to possession nd ownership of the vehile. 2 the ost of protetion nd removl of the Rentl Vehile to the nerest repirer when neessry if the Rentl Vehile is disled fter suh dmge nd the resonle ost of delivery to You fter repir. Exlusions to Indemnity 2 We shll not e lile to py for d e f wer nd ter depreition redution in mrket vlue following repir mehnil, eletril, eletroni, omputer, filures or rekdowns or rekge s dmge to tyres y rking, puntures, uts or ursts loss of or dmge to the Rentl Vehile whilst eing used in ntionl or interntionl rlly. Indemnity 3 Emergeny Tretment We will py for emergeny tretment s required y the Rod Trffi Ats rising out of the use of the Rentl Vehile. Indemnity 4 Trilers Indemnity 1 pplies to ny triler whih is dethed from ny vehile ut only in so fr s it is neessry to meet the requirements of ny lw relting to ompulsory insurne in the territory onerned nd provided tht the triler is Your responsiility. Indemnity 5 Foreign Trvel The Geogrphil Limits re extended to provide the minimum indemnity required to omply with the lws relting to ompulsory insurne of motor vehiles in ny ountry whih is memer of the Europen Union nd ny ountry in respet of whih the Commission of the Europen Union is stisfied tht rrngements hve een mde to meet the requirements of Artile7(2) of the E.U. Diretive on insurne of ivil liilities rising from the use of motor vehiles (No. 72/166/CEE). Where the minimum indemnity provided is less thn tht provided under United Kingdom minimum legl requirements, the higher level shll pply. Exlusions Applying to All Indemnities The Generl Exlusions of this Poliy pply to this Setion nd in ddition it does not over: 1 ny lim or dmge rising whilst the Rentl Vehile is eing driven y or is in hrge of for the purpose of eing driven y ny person who is not within the Persons or Clsses of persons entitled to drive shown in the urrent Certifite of Motor Insurne or is eing used otherwise thn within the Limittions s to Use shown in suh Certifite whih is inorported herein. This exlusion shll not pply to i lims under Indemnity 2 ii the indemnity given to You (nd to no other person) under Indemnity 1 whilst the Rentl Vehile is eing used without Your uthority or y suontrtor for the repir, ltertion, servie, mintenne, tretment, test or exmintion onsequentil loss to You rising diretly or indiretly from ny ident, dmge, odily injury or loss legl liility rising out of ny judgement in ny ourt outside the territories to whih this Poliy pplies. 2 Any vehile elonging to, possessed y or provided for use y ny Employee s Rentl Vehile is deemed not to e in Your ustody or ontrol in onnetion with The Business. Nothing ontined elsewhere in this Poliy shll override this exlusion. 3 We shll not e lile in respet of the hire of Rentl Vehile y You if suh vehile is hired y greement other thn the Rentl Agreement. 4 In respet of loss resulting from theft or ttempted theft of the Rentl Vehile y or with the onnivne of the Renter (or the representtive of the Renter): 28

31 You shll er t Your own risk n uninsured 25% of eh nd every loss, Our liility eing limited to 75% of suh loss, the Exesses shll not pply, Exlusion 6 Theft y Deeption under Setion 1 Mteril Dmge shll not pply. 5 Indemnity to ny lim resulting from ny Rentl Vehile eing hired out for re-hire y the Renter (inluding for the rrige of pssengers for hire or rewrd). 6 Any ident rising outside the Geogrphil Limits other thn s provided y Indemnity 5. Conditions The Generl Conditions of this Poliy pply to this Setion nd in ddition: 1 It is ondition preedent to Our liility tht prior to the hire of Rentl Vehile You inspet the driving liene of the Renter if nmed person nd every Driver nd y referene to suh liene nd dditionl enquiry, estlish tht:- ll relevnt informtion is inluded nd orretly stted in the Rentl Agreement, v hs not een involved in more thn one motoring ident or lim during the preeding three yers, vi hs not een onvited of ny:- A Rod Trffi At offene or series of suh offenes where the penlty points umultion is 6 or more, B riminl offene other thn Rod Trffi At offene, of whih You hve knowledge vii does not hve proseution pending for ny riminl offene (exept for the Rod Trffi At offenes of prking, or speeding on one osion if there re no onvitions), of whih You hve knowledge viii does not suffer from defetive eyesight or hering (not orreted y spetles, ontt lenses or hering id) or ny hert omplint, epilepsy or dietes or ny other physil or mentl defet or disese, where terms or restritions hve een imposed on their liene y DVLA ix hs not een required y nother insurer to py n inresed premium or er speil terms or onditions or hd proposl delined or poliy nelled or renewl refused y n insurer. 2 It is ondition preedent to Our liility tht prior to the hire of Rentl Vehile You estlish the Renter s on fides y, in the se of: the Rentl Agreement is ompleted nd signed y the Renter, the Renter, if nmed person nd ny Driver:- i is not solely desried s eing ompny diretor or mnger, self employed or unemployed (i.e. not dislosing the urrent, or previous if unemployed, speifi trde or ouption), ii is not, nd ws not previously if unemployed, engged in the usiness of hwking or generl deling (e.g. deling in srp metl, seondhnd lothes nd the like), vehile dismntling or reking or street or mrket trding or professionl gmling (other thn s leril worker), sport or entertinment (other thn s lssil musiin), iii is 21 yers of ge or over ut under 70 yers of ge, iv hs held full British driving liene for t lest one yer if 25 yers of ge or over or two yers if etween 21 to 24 yers of ge, n individul, heking the identity of suh person y inspeting their originl driving liene nd t lest one other doument eing the originl of their pssport, nk heque ook, redit rd or utility ill. ompny, heking the identity of the ompny s representtive in the sme wy s speified for n individul under prgrph 2 ove ut in ddition y:- i heking tht the ompny exists, ii estlishing the link etween the representtive nd their ompny y referene to ompny identity rd or py slip or letter of uthority issued y sid ompny, iii heking y telephone the uthentiity of the hire. 3 It is ondition preedent to Our liility tht You mke nd keep reord of ll informtion speified for three months fter the period of the hire or in the event of lim, for the period tht We shll deide. 29

32 4 We my t Our option repir, reinstte, reple or mke good y pyment of money ny loss or dmge nd if to Our knowledge the Rentl Vehile is the sujet of hire purhse greement, suh pyment shll e mde to the owner desried therein whose reeipt shll e full nd finl dishrge to Us in respet of suh loss or dmge. You shll not inur ny expense in mking good suh dmge without hving previously notified Us of the ident in the terms of this Setion nd hving supplied detiled estimte of the ost of repirs. Our liility for ny prt or essory shll e for the vlue of the prt or essory t the time of the ident not exeeding the mnufturer s lst list prie. 5 You shll repy to Us ll sums whih We would not hve een lile to py ut for the provisions of ny lw relting to the insurne of liility to Third Prties in ny of the territories to whih this Setion pplies. 6 The Rentl Vehile nd/or prts shll e ville t ll resonle times for inspetion y Our duly uthorised representtives. 7 You shll tke ll resonle preutions to sfegurd the Rentl Vehile from loss or dmge nd to mintin it in n effiient nd rodworthy ondition. 8 Terms With Insurne You shll speify in the Rentl Agreement (in whtever terms) tht the hire of the Rentl Vehile is With Insurne. We will indemnify the Renter, Driver nd ny pssenger in terms of Extension 5 Driver nd Pssenger Indemnity under Setion 6 Puli nd Produts Liility (s mended y prgrph elow) nd Indemnity 1 Third Prty Liility under Setion 2 Motor Vehile Rod Risks whilst the Rentl Vehile is used for Rentl Purposes provided tht the Renter hs entered into nd omplied with the terms of the Rentl Agreement. In respet of Extension 5 Driver nd Pssenger Indemnity under Setion 6 Puli nd Produts Liility: i the first prgrph shll red: In respet of odily injury or dmge used y or rising out of the Rentl Vehile We will indemnify: ii prgrph shll red: the Renter or Driver using suh vehile with Your permission iii the finl prgrph is deleted. 9 Terms Without Insurne You shll speify in the Rentl Agreement (in whtever terms) tht the hire of the Rentl Vehile is Without Insurne. You shll require the Renter to rrnge insurne in respet of the Rentl Vehile (whih shll omprise insurne ginst the third prty motor nd loss or dmge risks) overing the Renter nd ll those permitted to drive or use suh vehile nd estlish tht suh insurne hs een rrnged y:- i inspeting the over note issued or ii otining letter of onfirmtion from the insurer or roker of the Renter speifilly in respet of suh vehile. You shll mke nd keep opy of suh over note or letter for three months fter the period of the hire or in the event of lim, for the period tht We shll determine. Indemnity does not pply in respet of ny Rentl Vehile during the period of hire exept: i ny loss rising from its own fulty or defetive ondition. ii tht We shll indemnify You (in the Terms of this Setion) nd no other prty, if suh insurne the Renter ws required to rrnge fils to indemnify the Renter or if suh insurne hs een nelled provided You hve omplied with the terms of Your Poliy. 10 Supply of Vehile Dt You shll supply to Us, unless otherwise greed y Us in writing, detils of ny liensed Rentl Vehile whose use is overed y this Setion for entry on the Motor Insurne Dtse. In respet of ny liensed Rentl Vehile, ny hnge of Rentl Vehile deletion or quisition of n dditionl Rentl Vehile must e notified to Us immeditely. 30

33 Setion 4 MOT Loss of Liene Definitions The Poliy Definitions of this Poliy exept 4 pply to this Setion nd in ddition: 1 Annul Turnover* The Turnover during the twelve months immeditely efore the dte of the suspension or withdrwl of The Liene. 2 Gross Profit The mount of the Turnover less those working expenses of The Business whih will diretly vry in reltionship to fll in Turnover. 3 Indemnity Period The period eginning with the suspension or withdrwl of The Liene nd ending not lter thn the Mximum Indemnity Period (shown in the Shedule) therefter during whih the results of The Business shll e effeted in onsequene of tht suspension or withdrwl. 4 Rte of Gross Profit* The Rte of Gross Profit erned on The Turnover during the finnil yer immeditely efore the dte of the suspension or withdrwl of The Liene. 5 Stndrd Turnover* The Turnover during tht period in the time immeditely efore the dte of the suspension or withdrwl of The Liene whih orresponds with The Indemnity Period. 6 The Business Deprtment of Trnsport testing nd retesting nd vehile repir work rried out nd/or goods supplied in onnetion therewith diretly rising from suh testing onduted solely t or from The Premises. 7 The Liene The Liene grnted y The Deprtment of Trnsport to rry out MOT tests on motor vehiles nd issued to You s n Authorised Exminer or to Nominted Tester employed y You in onnetion with The Business. *Importnt Any neessry djustments shll e mde to the Rte of Gross Profit, Annul Turnover nd Stndrd Turnover to provide for the trend of The Business nd for vritions in or speil irumstnes ffeting The Business whether efore or fter the suspension or withdrwl of The Liene, or whih would hve ffeted The Business hd the suspension or withdrwl not ourred so tht the djusted figures shll represent s losely s is resonly prtile the results whih, ut for the suspension or withdrwl, would hve een otined during the reltive period therefter. Note To the extent tht You re ountle to the tx uthorities for Vlue Added Tx, ll terms in this Setion shll e exlusive of suh tx. Cover Indemnity Suspension or Withdrwl of MOT Liene If, during the Period of Insurne, The Liene shll e suspended or withdrwn y the Deprtment of Trnsport nd The Business rried on y You t or from The Premises is s onsequene thereof interrupted or interfered with We will py You the mount of loss resulting from suh interruption or interferene in ordne with the speified items provided tht Our liility shll in no se exeed the Limit shown in the Shedule. Amount Pyle 1 On Gross Profit nd wges, slries, fees, redundny pyments nd pyments under the Contrt of Employment Ats or similr legisltion Cover is limited to loss of Gross Profit due to redution in Turnover nd/or n inrese in ost of working nd the mount pyle shll e in respet of redution in Turnover, the sum produed y pplying the Rte of Gross Profit to the mount y whih the Turnover during the Indemnity Period shll, in onsequene of the suspension of The Liene, fll short of the Stndrd Turnover. 8 Turnover The money (less disounts llowed) pid or pyle to You in respet of The Business. 31

34 in respet of inrese in ost of working: the dditionl expenditure neessrily nd resonly inurred for the sole purposes of voiding or diminishing the redution in Turnover whih, ut for tht expenditure, would hve tken ple during the Indemnity Period ut not exeeding the sum produed y pplying the Rte of Gross Profit to the mount of the redution therey voided, less ny sum sved during the Indemnity Period in respet of suh hrges nd expenses of The Business pyle out of Gross Profit s my ese or e redued in onsequene of the suspension of The Liene. Provided tht if the Turnover in respet of MOT test fees delred y You for the Period of Insurne is less thn 80% of the Annul Turnover for MOT test fees the mount pyle shll e proportiontely redued. 2 On fees inurred for representtion in respet of the thret of disiplinry tion y the Driver nd Vehile Stndrds Ageny or to ppel ginst the suspension or withdrwl of The Liene. Cover is limited to the resonle hrges pyle to E.B.L. Prtnership, 2 Boyd Rod, Sltford, Bristol BS31 3AP for servies provided for representtion in respet of the thret of disiplinry tion y the Driver nd Vehile Stndrds Ageny nd to enle You to ppel ginst suspension or withdrwl in respet of The Liene y the Deprtment of Trnsport. Exlusions The Generl Exlusions of this Poliy pply to this Setion nd in ddition it does not over ny loss rising from: 1 suspension or wrning reeived during the four weeks immeditely following ineption of over 2 tul or proposed ompulsory purhse of The Premises 3 ny sheme of town or ountry plnning improvement or development 4 ny poliy y the Deprtment of Trnsport to redue the numer of Authorised Exminers nd Nominted Testers 5 ny ltertion fter the ommenement of over of ny relevnt lw unless onfirmed in writing y Us tht over will ontinue fter suh ltertion 6 filure to mintin The Premises equipment or mhinery in good generl repir 7 filure to keep urte nd up to dte doumenttion s required y the Deprtment of Trnsport nd/or Driver nd Vehile Stndrds Ageny 8 riminl onvition. Conditions The Generl Conditions of this Poliy pply to this Setion nd in ddition: You shll notify the E.B.L. Prtnership, 2 Boyd Rod, Sltford, Bristol BS31 3AP (Telephone Numer ) immeditely when You reeive ny disiplinry orrespondene from the Driver nd Vehile Stndrds Ageny. 32

35 Setion 5 Engineering Definitions The Poliy Definitions of this Poliy pply to this Setion nd in ddition: 1 Brekdown Sudden nd unforeseen filure of the Plnt rising from inherent eletril or mehnil defet or fult. 2 Competent Person An engineer surveyor employed nd uthorised y The Inspetion Compny to perform the Inspetion Servie. 3 Inspetion Servie An exmintion of Plnt y Competent Person nd (where pplile) in ordne with the requirements of suh sttutory regultions s pply to the Plnt nd the provision of report of the Inspetion y eletroni mil. 4 Inspetion Certin regultions require thorough exmintions to e undertken whilst others require Inspetions. For the purpose of this Setion, the two expressions re synonymous nd the generi expression used throughout is Inspetion. 5 Norml Working Hours 8.00 m to 6.00 pm Mondy to Fridy exluding puli nk nd lol holidys. Inspetion Servie The Inspetion Compny shll during the Period of Insurne sujet to erlier termintion provide You with n Inspetion Servie for Plnt within Norml Working Hours t The Premises within the Geogrphil Limits. For the voidne of dout You knowledge tht: The Inspetion Compny hve nd ept no responsiility for the re, ustody nd ontrol of the Plnt the purpose of the Inspetion Servie is only to identify nd ssess defets in the workings of the Plnt nd where the sttutory regultions require it, the deteriortion tht ffets the sfety of the Plnt ut not defets in existing designs or in ny proposed design hnges it is solely Your oligtion to ensure tht the design of Your Plnt nd ny prt of it is fit for purpose nd resonly sfe, oth y: i ii rrnging suh nlysis of its design s my e found neessry; nd promptly retifying ny design defets of whih You re or ought to e wre, inluding: 1 ny design defets to whih ny Competent Person my, without oligtion, drw ttention nd/or 2 y tking the Plnt out of servie until these mtters hve een ttended to 6 Plnt All integrl prts of ny item of Plnt or mhinery desried in Setion 5 of the Shedule or of ny dditionl items of the sme lss or type other thn: foundtions msonry rikwork lift wells himneys enlosures supporting strutures or fixing olts nillry equipment suh s firing pprtus pumps, fns, motors or piping unless speifilly desried in the Shedule. d e unless greed in writing etween The Inspetion Compny nd You The Inspetion Compny will not undertke the pprovl or the verifition of the fitness for purpose of ny design or design fetures of the Plnt or ny prt of the Plnt nd oservtions nd reommendtions mde y the Competent Person on spets of design tht ffets sfety, shll not imply tht The Inspetion Compny epts ny responsiility for the fitness for purpose of the design unless greed in writing etween The Inspetion Compny nd You The Inspetion Compny shll not: 7 The Inspetion Compny Allinz Engineering Inspetion Servies Limited* trding s Allinz Engineering, herefter referred to s The Inspetion Compny. * Registered in Englnd Registered offie: 57 Ldymed, Guildford, Surrey GU1 1DB, UK. i ii rry out ny witnessing of ultrsoni, rdiogrphi or other tests of non-routine nture or ny proof lod, lod, stility, nhorge or similr tests speify, re-inspet, verify or pprove repirs unless greed in writing etween The Inspetion Compny nd You or unless required to do so y sttutory regultion 33

36 f g The Inspetion Compny hs nd epts no responsiility for dmge sustined y the Plnt s result of the filure of the Plnt to withstnd test pplied s prt of the Inspetion Servie sttutory regultions mde under the Helth nd Sfety t Work At 1974 require You to hve the Plnt inspeted. The provision of the Inspetion Servie does not relieve You of the responsiility. Exlusions The Generl Exlusions of this Poliy pply to this Setion nd in ddition it does not over: 1 loss or dmge y: fire howsoever used fire extinguishing fluid Cover Limits of Indemnity Our liility under this Setion in respet of ny one ident or series of idents rising out of ny one ourrene shll not exeed the mounts shown in the Shedule. d e erthquke lightning explosion riot strike lokout or ivil ommotion storm tempest flood inundtion wter leking or dishrging from ny sprinkler instlltion irrft or other eril devies or rtiles dropped therefrom theft or ny ttempted theft the diret pplition of tools Indemnities 1 Frgmenttion Dmge y impt to property elonging to or held y You in trust or on ommission or for whih You re responsile diretly onsequent on nd solely due to frgmenttion of ny prt of the Plnt 2 Brekdown (pplile only if shown in the Shedule) Dmge to the Plnt y Brekdown Resonle dditionl expenses up to the mount shown in the Shedule inurred y You with Our onsent in effeting temporry repir nd/or expediting permnent repir following dmge overed y 2 3 Cost of Hiring/Inresed Costs (pplile only if shown in the Shedule) f the tion of liquid or gseous fluids whih hve een emitted or leked from the Plnt. 2 mintenne d wer nd ter erosion orrosion or other deteriortion used y or nturlly resulting from ordinry work use or exposure grdully developing flws or frtures whih do not neessitte immedite stoppge lthough t some future time repir or renewl of the prts ffeted my e neessry srthing of pinted or polished surfes e fulty workmnship ourring during the exeution of repirs ut not dmge resulting therefrom unless otherwise exluded. 3 loss of or dmge to: The neessry nd resonle ost of hiring replement Plnt or ompleting the work normlly undertken y the insured Plnt in nother mnner neessrily nd resonly inurred y You for period of up to one month following Brekdown insured under this Setion rising t The Premises or t ny other lotion where the Plnt is temporrily situted or while the Plnt is tully in trnsit other thn y se or ir or within the Geogrphil Limits. d e sfety or protetive devies y their funtioning the ontents of the Plnt utting edges tools glss porelin nd similr mterils uls eletri heting elements triling les flexile pipes non-metlli pking mterils driving elts nd hins onveyor nds nd pplines used for tthing lods to lifting mhines property eing proessed y the Plnt ruer tyres y the pplition of rkes or y puntures uts or ursts 34

37 f gntries trks mgnets or grs unless speifilly desried in the Shedule. 4 loss of or dmge to Plnt rising during: its instlltion eretion dismntling resiting or removl other thn whilst under its own power overlod testing. 5 loss or dmge rising out of ny lifting or lowering opertion in whih single lod is shred etween two or more lifting mhines. 6 wterorne vessels or rft or mhinery mounted on suh vessels or rft or while eing loded thereon or unloded therefrom. 7 loss of use or ny other onsequentil loss ut this Exlusion shll not pply to Indemnity 3. 8 loss or dmge to the Plnt due to ny identl externl use, other thn overheting of oilers. 9 loss, dmge or ost onsisting of or in onsequene of loss or Dmge to: 10 loss, dmge or ost onsisting of or in onsequene of dmge diretly or indiretly used y onfistion ntionlistion requisition or destrution of or dmge to property y order of the Government or ny Puli Muniipl or Lol Authority in the se of Insured Property outside the Geogrphil Limits loss dmge diretly or indiretly used y wrlike opertions mutiny onspiry mrtil lw stte of siege or ny events or uses whih determine the prolmtion or mintenne of mrtil lw or stte of siege riot ivil ommotion strike loked-out persons tking prt in lour disturnes or mliious persons ting on ehlf of or in onnetion with ny politil orgnistion. 11 the first 250 of eh nd every loss. Conditions The Generl Conditions of this Poliy pply to this Setion nd in ddition: ny omputer or other equipment or omponent or system or item whih proesses stores trnsmits or retrieves dt or ny prt of omputer or other equipment or omponent or system or item whih proesses stores trnsmits or retrieves dt 1 We my t Our option repir reinstte or reple wht is lost or dmged or py for the loss or dmge in money. 2 We shll hve the right t ny time y written notie to You to suspend the insurne of ny Plnt until Our requirements re met. whether tngile or intngile (inluding ut without limittion ny dt informtion or progrms or softwre) nd whether prt of the Plnt or not used diretly or indiretly y: i ii Virus or Similr Mehnism whih mens ny: progrm ode progrmming instrution or ny set of instrutions intentionlly onstruted with the ility to dmge interfere with or otherwise dversely ffet omputer progrms dt files or opertions whether involving self-replition or not. This inludes ut it is not limited to viruses trojn horses worms nd logi oms Hking whih mens ny: unuthorised ess to ny omputer or other equipment or omponent or system or item whether prt of the Plnt or not whih proesses stores trnsmits or retrieves dt. 3 You shll preserve evidene of loss or dmge nd its use provide detiled evidene of ny ost or expense inurred. 4 We shll hve the right to inspet the Plnt t ll resonle times during the Period of Insurne. 5 You shll tke ll resonle steps to ensure tht ll Government nd other regultions relting to the opertion nd use of the Plnt re oserved. 6 The Plnt shll not e worked in exess of its rted pity. 35

38 Inspetion Servie Conditions 1 Inspetion Servie Where n Inspetion Servie is provided: The Inspetion Compny shll: 1 rry out the Inspetion Servie with ll due re in sfe mnner 2 omply with Your sfe systems of work s notified to the Competent Person 3 provide the Inspetion Servie within Norml Working Hours 4 give You resonle prior notie of Our intention to ttend The Premises nd where pplile dvise You of the need to prepre the Plnt for Inspetion 5 produe report s soon s is resonly prtile nd in ny event not lter thn fourteen dys following ompletion of n Inspetion. The Inspetion Compny my: 1 ppoint su-ontrtors to rry out the whole or ny prt of the Inspetion Servie when solutely neessry to mintin the servie 2 deline to rry out n Inspetion if in its opinion to do so would pose risk to the helth, sfety or welfre of the Competent Person or You, or ny other person who my e ffeted. 3 mke hrge in ddition to the sum shown in the Shedule s the mount pyle for the Inspetion Servie (the Fee) if: i You request nd The Inspetion Compny grees to rry out n Inspetion outside Norml Working Hours ii You require Inspetion reports in pper or require speil reporting regime iii You require the Competent Person to undertke indution sessions, trining or to omply with permit to work or other risk ssessment regimes or proedures speifi to Your own helth sfety nd welfre proedures of whih The Inspetion Compny re not mde wre when this Setion ws estlished or renewed iv You fil to prepre or mke the Plnt ville to the Competent Person on n greed pre ppointed dte nd time v for sfety resons more thn one Competent Person is neessry to rry out the Inspetion d vi vii the Competent Person is delyed from ommening n Inspetion y more thn 15 minutes euse You hve filed to omply with Your oligtions under Inspetion Servie Condition of this Setion the Competent Person is delyed from leving The Premises y Your requirements for servies inluding ut not limited to onsite meetings, verl or written reports tht re dditionl to the terms in this Setion. You shll: 1 provide the Competent Person with: i sfe ess to The Premises ii sfe working environment t The Premises iii sfe physil mens y whih to gin ess to rry out the Inspetion of the Plnt 2 properly prepre len ool deommission nd dismntle the Plnt s neessry to enle the Competent Person to rry out the Inspetion. 3 ressemle the Plnt following ompletion of the Inspetion 4 o-operte with nd upon request provide the Competent Person with suh informtion nd dt relting to the Plnt s the Competent Person requires to ondut the Inspetion Servie 5 provide The Inspetion Compny with minimum of two working dys notie in writing of the intention to nel or postpone plnned Inspetion. When suh notie is provided, The Inspetion Compny shll e entitled to hrge up to mximum one mn-dy t The Inspetion Compny s stndrd rte 6 notify The Inspetion Compny either on or efore the renewl dte of the Poliy of Your intention to renew suh Poliy nd this Setion. In the event tht You deide to llow the Poliy or this Setion to lpse ut fil to notify The Inspetion Compny prior to ny Inspetion Servie eing undertken, You shll e lile to py for The Inspetion Compny s Fee. The Inspetion Compny nd You gree tht: 1 You will py the mount shown in the Shedule s the mount pyle for the Inspetion Servie (the Fee) 2 the Fee is lulted on Plnt for whih Inspetion is required s notified to The Inspetion Compny y You t the strt of the Period of Insurne, nd 36

39 3 should detils of the Plnt notified to the Inspetion Compny for the purposes of lulting the Fee for the Inspetion differ from the Plnt on site requiring n Inspetion Servie my e djusted fter the Inspetion is undertken 4 You my dd or delete individul items of Plnt from the tegories of Plnt shown in the Shedule for whih the Inspetion Servie is required during the Period of Insurne 5 the Fee will e djusted t ny time during the Period of Insurne to tke ount of ny Plnt dded or deleted during the Period of Insurne 6 You will py or The Inspetion Compny will refund the differene etween the Fee nd the Adjusted Fee s the se my e 7 ll Fees shll e sujet to vlue dded tx t the pproprite rte. 2 Termintion of Inspetion Servie The Inspetion Compny my terminte the Inspetion Servie on 30 (thirty) dys notie. If You hve pid the Fee in full You shll e entitled to refund of the Fee in respet of Inspetions outstnding. Either You or The Inspetion Compny my terminte the Inspetion Servie y giving written notie to the other if the other: i ommits ny reh of the Inspetion Servie nd fils to remedy the reh within 30 dys fter eing required to do so ii goes into liquidtion iii (in the se of n individul or prtnership) the individul or individuls eome(s) nkrupt mke(s) voluntry rrngement with Your reditors or hs/hve reeiver or dministrtor ppointed. 3 Confidentility Regrding the Inspetion Servie nd unless otherwise greed, eh prty shll keep onfidentil the terms of the Inspetion Servie nd ll informtion tht it my quire in reltion to the usiness or ffirs of the other prty. Neither prty shll use the other prty s informtion for ny purpose other thn to perform its oligtions under this Inspetion Servie. The Inspetion Compny shll in the se of 1: i merger etween You nd nother orgnistion or orgnistions insured y Us or the purhse of one orgnistion y nother where We re The Inspetion Compny providing the Inspetion Servie, mke the Inspetion informtion ville to ll relevnt prties sujet to pprovl in writing from You or Your new owner or their ppointed gent ii de-merger or sle where ll prties remin Inspetion poliyholders, mke the Inspetion informtion ville to ll relevnt prties sujet to pprovl in writing from the orgnistion holding the originl Poliy rights. 4 Indemnity You shll indemnify nd keep The Inspetion Compny indemnified in respet of ny lims mde ginst nd ll dmges osts nd expenses suffered or inurred y The Inspetion Compny s result of ny third prty lim rising out of Your filure to omply with Your oligtions under the Inspetion Servie. 5 Liility for Defetive Servies In sustitution for ll rights whih You would or might hve ut for the Inspetion Servie The Inspetion Compny undertkes tht if n Inspetion is performed in defetive or erroneous mnner then The Inspetion Compny will t their disretion either redit to You the Fee pid y You nd ttriutle to the Inspetion or re-perform the Inspetion (sve s to the time of performne) Exept in the se of deth or personl injury used y The Inspetion Compny s negligene or in other irumstnes where liility my not e so limited under pplile lw The Inspetion Compny s liility under or in onnetion with the Inspetion Servie whether rising in ontrt tort negligene reh of sttutory duty or otherwise shll not exeed the sum of 10,000,000 (ten million pounds) in the ggregte Neither The Inspetion Compny nor You shll e lile to the other prty in ontrt tort negligene reh of sttutory duty or otherwise for ny loss dmge osts or expenses of ny nture whtsoever inurred or suffered y tht other prty of n indiret or onsequentil nture inluding without limittion ny eonomi loss or other loss of turnover profits usiness or goodwill. 37

40 6 Generl If ny provision in the Inspetion Servie is held y ny ompetent ourt to e unenforle in whole or in prt the vlidity of the other provisions nd the reminder of the provision in question shll not e ffeted English lw will pply to the Inspetion Servie unless You nd The Inspetion Compny gree otherwise. Delrtion You shll delre to The Inspetion Compny detils of ll ltertions to the Plnt Shedule ourring during eh Period of Insurne. 38

41 Setion 6 Puli nd Produts Liility Definitions The Poliy Definitions of this Poliy pply to this Setion nd in ddition: 1 A Ple of Sfety shielded y uilding or struture uilt from non omustile mterils 15 metres wy from the point of het pplition or ngle grinding. 2 Geogrphil Limits The United Kingdom in respet of Injury, loss or dmge used y or rising from i mnul nd non-mnul work ourring during ny temporry visit or journey nywhere in the world (other thn the United Sttes of Ameri or Cnd or ny dependeny or trust territory) nd ii non-mnul work ourring during ny temporry visit or journey to the United Sttes of Ameri or Cnd or ny dependeny or trust territory y ny prtner, diretor or Employee of You normlly resident within the United Kingdom. nywhere in the world in respet of Produts. 5 Pollution or Contmintion All pollution or ontmintion of uildings or other strutures or of wter or lnd or the tmosphere; nd All Injury loss or dmge diretly or indiretly used y suh pollution or ontmintion. All Pollution or Contmintion whih rises out of one inident shll e deemed to hve ourred t the time suh inident tkes ple. 6 Produts Any goods or other property (inluding their ontiners, pkging, lelling nd instrutions for use) sold, supplied, delivered, instlled, ereted, repired, ltered, treted or tested y You in onnetion with The Business nd not in the hrge or ontrol of You. 7 Asestos Asestos or fires or prtiles of sestos or ny mteril ontining sestos. Cover We will indemnify You ginst legl liility to py ompenstion nd limnts osts nd expenses in respet of identl Injury to ny person 3 Injury Bodily injury, deth, disese, illness, mentl injury, mentl nguish or nervous shok. loss of or dmge to mteril property nuisne trespss ostrution or interferene with ny right of wy light ir or wter resulting in finnil loss invsion of the right of privy, flse rrest, flse imprisonment, flse evition or mliious proseution of ny person. 4 Offshore Instlltions ny instlltion in the se or tidl wters whih is intended for underwter exploittion of minerl resoures or explortion with view to suh exploittion d ny instlltion in the se or tidl wters whih is intended for the storge of or reovery of gs ny pipe or system of pipes in the se or tidl wters ny instlltion whih is intended to provide ommodtion for persons who work on or from the lotions speified in Definitions 4, 4 or 4 ove. ourring within the Geogrphil Limits during the Period of Insurne in onnetion with The Business. Additionl Costs nd Expenses In ddition We will py osts nd expenses inurred y You with Our written onsent in onnetion with the defene of ny lim for representtion of You i ii t ny Coroner s Inquest or Ftl Aident Inquiry in respet of deth t proeedings in ny Court of Summry Jurisdition or on inditment in ny higher Court in respet of n lleged reh of sttutory duty resulting in Injury loss or dmge whih my e the sujet of Indemnity under this Setion. 39

42 Limits of Indemnity A Your liility for ll ompenstion nd limnts osts nd expenses pyle in respet of: i ii You shll effet repirs s quikly s possile Our liility is limited to 50,000 in respet of ny one ourrene. B C i ii iii ny one ourrene or ll ourrenes of series onsequent on or ttriutle to one soure or originl use ll Injury loss nd dmge ourring during ny one Period of Insurne nd used y or rising from Produts ll Pollution or Contmintion whih is deemed to hve ourred during ny one Period of Insurne shll not exeed the Limit of Indemnity shown in the Shedule. In respet of ll lims ginst You mde within the legl jurisdition of the United Sttes of Ameri or Cnd or ny dependny or trust territory the Limit of Indemnity shll e inlusive of the mount of ll osts nd expenses inurred y Us or with Our written onsent in onnetion with the defene of suh lims. In respet of n t of Terrorism the Limit of Indemnity shll not exeed the Limit of Indemnity shown in the Shedule or 5,000,000 (whihever is the lesser). 3 Vehiles Sold Exlusion 4i shll not pply to Your liility in respet of loss of or dmge to ny motor vehile if suh liility rises out of the sle of the sid vehile, ut We shll not e lile for osts of or rising from the need for replement of fulty or defetive mterils nd prts exept for susequent loss of or dmge resulting from n ensuing use whih is not otherwise exluded tht gve rise to Your liility. Our liility for ll ompenstion pyle in respet of loss of or dmge to eh suh vehile is limited to 100, Produts Finnil Loss We will indemnify You ginst legl liility to py ompenstion nd limnts osts nd expenses in respet of identl finnil loss (otherwise thn in respet of Injury or loss of or dmge to mteril property) sustined during the Period of Insurne nd within the United Kingdom in onnetion with The Business y the purhser or user of ny Produts s diret result of the defetive or hrmful ondition of suh Produts or their filure to perform their intended funtion. Provided tht: Extensions 1 Property Exlusion 3 shll not pply to: personl property (inluding motor vehiles) of ny prtner, diretor or Employee of You visitor s property (inluding motor vehiles) whilst temporrily on The Premises other thn for repir, ltertion, serviing, mintenne, tretment, testing or exmintion property elsewhere thn on The Premises temporrily in the ustody or ontrol of You solely for the purpose of rrying out work. 2 Consequentil Loss or Loss of Use Exlusion 3 shll not pply to onsequentil loss or loss of use following ny loss of or dmge to ny vehile (inluding Aessories plnt nd equipment fixed thereto) or spre prt omponent or essory of vehile in Your ustody or ontrol rising out of its repir, ltertion, servie, mintenne, tretment, test or exmintion provided tht: d e ny lim is first mde in writing ginst You during the Period of Insurne nd notified to Us during the sme Period of Insurne or within 30 dys of the expiry of suh Period of Insurne our liility for ll ompenstion pyle for ll lims first mde ginst You during ny one Period of Insurne shll not exeed the Limit of Indemnity shown in the Shedule where more thn one lim rises out of one originl use ll lims shll e deemed to hve een mde t the point in time when the first of the lims ws first mde in writing ginst You provided tht this extension does not over liility in respet of Finnil Loss diretly or indiretly used y or rising from or in onsequene of or in ny wy involving Asestos. 5 Driver nd Pssenger Indemnity In respet of liility rising out of ny mehnilly propelled vehile or triler tthed thereto elonging to or hired y or in Your ustody or ontrol, whilst on The Premises, We will indemnify: 40

43 ny person driving or using suh vehile with Your permission i eh prty shll e sujet to the terms of this Poliy in so fr s they n pply. ny pssenger whilst in, mounting into or dismounting from suh vehile s though eh suh prty ws individully nmed s You provided tht: i ii iii iv We shll not e lile if ny suh prty is entitled to indemnity under ny other poliy You would hve een entitled to Indemnity under this Setion if the lim hd een mde ginst You eh prty shll e sujet to the terms of this Poliy in so fr s they n pply Our liility (otherwise thn in respet of Additionl Costs nd Expenses) to You or eh of You nd ll other prties indemnified shll not exeed in the ggregte the Limit of Indemnity. For the purpose of this Extension the Definition of The Business is extended to inlude: the usiness of the driver or user of suh vehile the driving or use of suh vehile for soil domesti nd plesure purposes. 6 Indemnity to Other Prties If You so request We will indemnify the following prties ny offier or ommittee memer or other memer of Your nteen, soil, sports or welfre orgnistion or mulne, first id, fire, medil or seurity servies ginst liility inurred in suh pity to the extent tht Extension 5 does not pply, ny prtner, diretor or Employee of You ginst liility inurred in suh pity nd in respet of whih You would hve een entitled to Indemnity under this Setion if the lim hd een mde ginst You s though eh suh prty ws individully nmed s You d ny Prinipl for whom You hve greed to exeute work under ontrt or greement ginst liility rising out of the performne of suh work the owner of plnt hired y You under ny ontrt or greement ginst liility rising in onnetion with suh plnt nd in respet of whih You re leglly lile nd would hve een entitled to Indemnity under this Setion if the lim hd een mde ginst You provided tht ii Our liility (otherwise thn in respet of Additionl Costs nd Expenses) to You or eh of You nd ll other prties indemnified shll not exeed in the ggregte the Limit of Indemnity. 7 Lesed or Rented Premises Exlusion 3 shll not pply to loss of or dmge to ny of The Premises (inluding fixtures nd fittings thereof) whilst on lese to or rented y You nd oupied y You in onnetion with The Business Provided tht We shll not e lile in respet of: liility ssumed y You under ny tenny or other greement, unless suh liility would hve tthed in the sene of suh greement ny suh loss or dmge y fire, lightning or explosion in respet of ny of The Premises (inluding fixtures nd fittings thereof) lesed to or rented y You i where it is the responsiility of You under the tenny or other greement to rrnge fire insurne ii where You re nmed s joint insured in the Lndlords fire poliy. 8 Motor Contingeny Exlusions 2 nd 5i nd ii shll not pply to liility rising out of the use in onnetion with The Business of ny vehile not owned provided or driven y You or their prtners, diretors or Employees ut this Setion does not over ny suh liility in respet of loss of or dmge to the sid vehile rising out of ny suh use in ny ountry outside the Europen Union inurred y ny prty other thn You nd Extensions 5 nd 6 shll not pply thereto. 9 Duty of Cre In respet of ny event whih my e the sujet of indemnity under this Setion We will rrnge nd py for legl defene osts nd expenses inurred with Our written onsent in providing defene of ny riminl proeedings, inluding ppels ginst judgements nd osts of proseution wrded ginst You, under The Helth nd Sfety At Work et At 1974 or the Helth nd Sfety t Work (Northern Irelnd) Order

44 The Corporte Mnslughter nd Corporte Homiide At 2007 or ny equivlent legisltion in the Isle of Mn or the Chnnel Islnds. sujet of indemnity under this Setion We will py ompenstion to You on the following sle for eh dy tht ttendne is required Provided tht i ii Our indemnity under this Extension is sujet to limit of 5,000,000 in ny one Period of Insurne or the Limit of Indemnity shown in the Shedule whihever is the lesser. This Limit of Indemnity will form prt of nd is not in ddition to the Limit of Indemnity shown in the Shedule. The proeedings must relte to n lleged reh ourring during the Period of Insurne within Gret Britin, Northern Irelnd, the Isle of Mn or the Chnnel Islnds in onnetion with The Business. ny diretor or prtner 500 ny Employee Consumer Protetion nd Food Sfety Ats Legl Defene Costs We will indemnify You nd if You so request ny prtner diretor or Employee of You in the terms of this Setion in respet of legl osts nd expenses inurred with Our written onsent in onnetion with the defene of ny riminl proeedings or n ppel ginst onvition rising from suh proeedings rought in respet of ny offene under iii iv We hve greed detils of the speifi soliitor or ounsel, prior to their ppointment to t on Your ehlf. In the event of n ppel, soliitor or ounsel hs dvised tht there re strong prospets of sueeding in the ppel or reovering ny osts wrd mde ginst the defendnt t ll times throughout the ppels proess. Any hnge to suh prospet of suess during the ppels proess my result in over eing removed. Prt 2 of the Consumer Protetion At 1987 or Setion(s) 7, 8, 14 nd / or 15 of the Food Sfety At 1990 or ny re-entment or replement of suh Ats nd ny other legisltion of similr intent (inluding susequent legisltion) if pplile ommitted or lleged to hve een ommitted during the Period of Insurne in onnetion with The Business. Provided tht We shll not e lile: for ny fines or penlties imposed on You or the ost of implementing ny remedil order or puliity order for proeedings resulting from ny delierte or intentionl riminl t or omission y You where indemnity is provided y nother soure or ny other insurne or where ut for the existene of this su-setion indemnity would hve een provided y suh soure or insurne. 10 Joint Insured Cross Liilities If more thn one prty is nmed s You in the Shedule this Setion shll pply s though eh ws insured seprtely, provided tht Our liilities to ll prties indemnified shll not exeed in the ggregte the Limit of Indemnity speified in this Setion. 11 Court Attendne Compenstion If during the Period of Insurne ny prtner diretor or Employee of You is required to ttend ourt s witness t the request of Us in onnetion with lim whih is 1 We shll hve the solute nd ontrol of ll sid proeedings nd ppels 2 This Setion does not over fines or penlties of ny kind proeedings or ppels in respet of ny delierte t or omission osts nd expenses insured y ny other poliy. 3 Our liility under this extension for ll osts nd expenses pyle in respet of ll offenes lleged to hve een ommitted during ny one Period of Insurne shll not exeed 25, Dt Protetion At We will indemnify You nd t Your request ny prtner, diretor or Employee of You ginst sums whih You or ny diretor, prtner or Employee of You eome(s) leglly lile to py s ompenstion for dmge or distress resulting from filure of You to omply with Dt Protetion legisltion nd used in onnetion with The Business during the Period of Insurne provided tht You re 42

45 registered user in ordne with the terms of suh legisltion ourse of ny journey or temporry visit to ny other ountry mde in onnetion with The Business. not in usiness s dt proessing ureu The totl mount pyle inluding ll osts nd expenses under this Extension, in respet of ll lims ourring during ny one Period of Insurne, is limited to 250,000. We shll not e lile for: d e ny dmge or distress used y ny delierte t or omission y You the result of whih ould resonly hve een expeted y You hving regrd to the nture nd irumstnes of suh t or omission ny dmge or distress used y ny t of frud or dishonesty the osts nd expenses of retifying, rewriting loking, destroying or ersing dt or personl dt liility rising from the reording, proessing or provision of dt for rewrd or to determine the finnil sttus of ny person the pyment of fines or penlties 14 Defetive Premises At 1972 We will indemnify You in the terms of this Setion ginst liility inurred y You under Setion 3 of the Defetive Premises At 1972 or Setion 5 of the Defetive Premises (Northern Irelnd) Order 1975 (or ny susequent legisltion) in onnetion with premises or lnd disposed of y You Provided tht this Extension does not over: the ost of retifying ny dmge or defet in the premises or lnd disposed of liility for whih You re entitled to indemnity under ny other insurne. the presene of Asestos. 15 Overses Personl Liility The Business is extended to inlude personl tivities (not onneted with ny ginful ouption or profession nor with the ownership or tenure of ny lnd or uilding) of ny prtner, diretor or Employee of You or fmily memer of suh prtner, diretor or Employee normlly resident within Gret Britin, Northern Irelnd, the Isle of Mn nd the Chnnel Islnds in the 16 Contrtul Liility In respet of liility ssumed y You y ontrt or greement entered into y You nd whih would hve not een tthed in the sene of suh ontrt or greement, the indemnity provided y this Setion shll only pply if the sole ondut nd ontrol of ny lim is vested in Us Provided tht We shll not in ny event provide indemnity under Exlusion 9.. exept s stted therein in respet of liquidted dmges or fine imposed y or pyle under ny penlty luse. Exlusions Generl Exlusion 2, 3 nd 5 of this Poliy pply to this Setion nd in ddition: 1 Penlties nd Liquidted dmges This Setion does not pply to ny liility in respet of: fines, penlties or liquidted dmges ggrvted, punitive or exemplry dmges or ny dmges resulting from the multiplition of ompenstory dmges. 2 Injury to Employees This Setion does not pply to liility in respet of Injury to ny Employee rising out of nd in the ourse of the employment or enggement of suh person y You. 3 Property This Setion does not pply to liility in respet of loss of or dmge to ny property elonging to or hired y You in Your ustody or ontrol. 4 Dmge to Goods Supplied et. This Setion does not pply to liility in respet of ll osts of or rising from the need for i removl, replement, reinsttement or repir of ny goods sold or supplied Exlusion 4i does not pply to the over provided under Extension 3 Vehiles Sold. 43

46 ii the retifition of the originl repir or ltertion rrying out gin the servie, mintenne, tretment, test or exmintion iii rell of ny goods sold or supplied tht gve rise to Your liility. 5 Vehiles nd Crft This Setion does not pply to liility rising out of the ownership possession or use y or on ehlf of You of ny mehnilly propelled vehile or triler tthed thereto i elsewhere thn on The Premises ii whilst on ny rod within the mening of the Rod Trffi Ats or other rod trffi legisltion exepting liility rising out of the opertion s tool of ny plnt or equipment iii if suh liility is insured y ny other poliy or is required y ny rod trffi legisltion to e the sujet of ompulsory insurne or other seurity ny rft designed to trvel in on or through wter, ir or spe (other thn hnd-propelled wterrft). 6 Court Ation This Setion does not pply to ny tion rought ginst You in ourt in ny ountry (other thn Gret Britin, Northern Irelnd, the Chnnel Islnds or the Isle of Mn) in whih You oupy premises or re represented y ny resident Employee or holder of Your Power of Attorney. 7 Pollution or Contmintion This Setion does not pply to ny liility in respet of Pollution or Contmintion ourring: in the United Sttes of Ameri or Cnd or ny dependny or trust territory. elsewhere unless used y sudden identifile unintended nd unexpeted inident whih tkes ple in its entirety t speifi time nd ple during the Period of Insurne. 8 Produts United Sttes of Ameri or Cnd This Setion does not pply in respet of Injury loss or dmge used y or rising from ny Produts exported y You or with Your knowledge to the United Sttes of Ameri or Cnd or ny dependny or trust territory. 9 Produts Additionl Exlusions In respet of Injury or dmge used y or rising from Produts this Setion does not over ny liility whih tthed to You solely under the terms of n greement other thn under ny wrrnty of goods implied y lw Produt instlled or inorported in ny rft designed to trvel in or through ir or spe nd whih to Your knowledge ws intended to e instlled or inorported in ny suh rft. 10 Offshore Instlltions This Setion does not pply to liility in respet of: trvel to or from work on ny Offshore Instlltion. 11 Design nd Advie This Setion does not pply to liility in respet of ny Injury, loss or dmge rising out of or in onnetion with: dvie, design, formul or speifition provided or performed for fee y or on ehlf of You other thn where provided or performed in onnetion with ny Produts. 12 Asestos This Setion does not pply in respet of: Liility in ny wy used y, rising from or ontriuted to y i exposure to or inhltion of Asestos ii fer of the onsequenes of exposure to or inhltion of Asestos Liility for the osts of mngement (inluding those of ny persons under ny sttutory duty to mnge), removl, repir, ltertion, rell, replement or reinsttement of ny property rising out of the presene of Asestos. Conditions The Generl Conditions of this Poliy exept 8 nd 12 pply to this Setion nd in ddition: 1 Dishrge of Liility We my solve Ourselves from ny further liility in onnetion with ny one lim or series of lims rising 44

47 out of one ourrene y the pyment of the stted Limit of Indemnity in respet thereof (fter deduting therefrom ny sums lredy pid), or y the pyment of ny lne of the mximum Limit of Indemnity for ny one Period of Insurne whihever is the less, together with the mount of Additionl Costs nd Expenses (not inluded in the Limit of Indemnity) to dte of suh lim or lims. 2 Other Insurnes We will not indemnify You in respet of liility whih is insured y or would ut for the existene of this Setion e insured y ny other poliy, exept in respet of ny exess eyond the mount pyle under suh other poliy or whih would hve een pyle under suh other poliy hd this insurne not een effeted. 3 Het Applition It is ondition preedent to Our liility tht the following preutions shll e omplied with y You, Your Employees or y su ontrtors ting on Your ehlf whenever ny work involving the use of ny proess for het pplition or ngle grinders is rried out elsewhere thn on The Premises: thorough exmintion of the immedite viinity of the re of work (inluding the re of the work itself nd on the other side of ny wll or prtition) shll e mde to see whether ny mteril (other thn the mteril to e worked upon) ould e in dnger of igniting or e dmged y either diret or onduted het or y use of ngle grinders. e f g ii wind rek of not less thn 1.5 metres high enlosing the re of het pplition or use of ngle grinders shll e ereted 2 the totl re rditing 2 metres from the point of het pplition or use of ngle grinders shll e sturted with wter to prevent the ignition of ny residul omustile mteril. the ttery of ny vehile, mhine or equipment eing worked upon shll e disonneted nd removed to A Ple of Sfety. if welding or het pplition work is rried out on ny vehile within 1 metre of ny fuel tnk, pipe or line the fuel shll e drined from the vehile using proprietry fuel retriever pump into suitle metl nister whih is then seled nd removed to A Ple of Sfety. There shll e ville for immedite use t the site of work Either two portle multi-purpose dry powder fire extinguishers to Europen stndrd BS EN 3 or British Stndrd BS 5423 with minimum pity of 4.0 kilogrms eh nd servied in ordne with BS or hydruli hose reel provided the sitution is one where wter would not ggrvte fire or explosion. d ll movele nd omustile mterils (other thn unhrvested rops) tht ould ignite or e dmged y het or use of ngle grinders shll e removed from the viinity of the work to A Ple of Sfety. ll mteril (other thn unhrvested rops) tht ould e ignited or e dmged y het or use of ngle grinders whih nnot e moved shll e overed nd fully proteted y overlpping sheets or sreens of non-het onduting nd nonomustile mteril. if work is neessrily rried out in n re of unhrvested rops 1 so fr s it is prtile i rops in the immedite viinity of the work shll e removed to distne of not less thn 2 metres rditing from the point of het pplition or use of ngle grinders h i j the use of ll equipment for het pplition, utting or ngle grinding shll e stritly in ordne with the mnufturer s instrutions nd no suh equipment shll e left light, under power or otherwise opertionl nd unttended. when gs ylinders re used, those not in immedite use shll e kept in A Ple of Sfety. for one hour fter ompletion of the het pplition or ngle grinding thorough inspetion of the surrounding work shll e mde t frequent intervls up to the end of the period of one hour to ensure tht nothing hs een dmged, nothing is smouldering nd there is no risk of fire. Importnt This Condition shll not pply when providing ssistne to emergeny servies nd suh work is undertken under their diretion nd ontrol. 45

48 Setion 7 Employers Liility Definitions The Poliy Definitions of this Poliy pply to this Setion nd in ddition: 1 Injury Bodily injury, deth, disese, illness, mentl injury, mentl nguish or nervous shok. 2 Geogrphil Limits Gret Britin, Northern Irelnd, the Chnnel Islnds, the Isle of Mn elsewhere in the world in respet of Injury sustined y ny Employee normlly resident within the territories speified in Definition 2 nd used whilst temporrily employed outside these territories provided tht ny tion for ompenstion in respet of suh Injury is rought in Court of Lw within the sid territories or ny other memer ountry of the Europen Union. 3 Offshore Instlltions ny instlltion in the se or tidl wters whih is intended for underwter exploittion of minerl resoures or explortion with view to suh exploittion d Cover ny instlltion in the se or tidl wters whih is intended for the storge of or reovery of gs ny pipe or system of pipes in the se or tidl wters ny instlltion whih is intended to provide ommodtion for persons who work on or from the lotions speified in Definitions 3, 3 or 3 ove. Indemnity We will indemnify You ginst legl liility to py ompenstion nd limnts osts nd expenses in respet of Injury sustined y ny Employee rising out of nd in the ourse of the employment or enggement of suh person y You in onnetion with The Business nd used within the Geogrphil Limits during the Period of Insurne. Additionl Costs nd Expenses We will lso py osts nd expenses inurred y You with Our written onsent: in onnetion with the defene of ny lim for representtion of You i ii t ny Coroner s Inquest or Ftl Aident Inquiry in respet of deth t proeedings in ny Court of Summry Jurisdition or on inditment in ny higher Court in respet of ny lleged reh of sttutory duty resulting in Injury whih my e the sujet of Indemnity under this Setion. Limit of Indemnity Our liility for ll ompenstion osts nd expenses pyle in respet of ny one lim or series of lims rising out of one ourrene shll not exeed the mount shown in the Shedule exept tht it shll not exeed 5,000,000 in respet of n t of Terrorism. Extensions 1 Indemnity to Other Prties If You so request We will indemnify the following prties ny offier or ommittee memer or other memer of Your nteen, soil, sports or welfre orgnistions or mulne, first id, fire, medil or seurity servies ginst liility inurred in suh pity ny prtner, diretor or Employee of You ginst liility inurred in suh pity nd in respet of whih You would hve een entitled to Indemnity under this Setion if the lim hd een mde ginst You s though eh suh prty ws individully nmed s You in this Setion ny Prinipl for whom You hve greed to exeute work under ontrt or greement ginst liility rising out of the performne of suh work y You, nd in respet of whih You re leglly lile nd would hve een entitled to Indemnity under this Setion if the lim hd een mde ginst You 46

49 Provided tht: 1 ny person liming indemnity shll oserve fulfil nd e sujet to the terms nd onditions of this Setion nd the Generl Conditions of the Poliy in so fr s they n pply. 2 Our liilities to You nd ll prties indemnified shll not exeed in the ggregte the Limit of Indemnity shown in the Shedule. 2 Duty of Cre In respet of ny event whih my e the sujet of indemnity under this Setion We will rrnge nd py for legl defene osts nd expenses inurred with Our written onsent in providing defene of ny riminl proeedings, inluding ppels ginst judgements nd osts of proseution wrded ginst You, under The Helth nd Sfety At Work et At 1974 or the Helth nd Sfety t Work (Northern Irelnd) Order The Corporte Mnslughter nd Corporte Homiide At 2007 or ny equivlent legisltion in the Isle of Mn or the Chnnel Islnds. Provided tht i Our indemnity under this Extension is sujet to limit of 5,000,000 in ny one Period of Insurne or the Limit of Indemnity shown in the Shedule whihever is the lesser. This Limit of Indemnity will form prt of nd is not in ddition to the Limit of Indemnity shown in the Shedule. We shll not e lile: for ny fines or penlties imposed on You or the ost of implementing ny remedil order or puliity order for proeedings resulting from ny delierte or intentionl riminl t or omission y You 3 Unstisfied Court Judgements If judgement for ompenstion or osts in respet of Injury sustined y ny Employee rising out of nd in the ourse of employment or enggement y You in onnetion with The Business nd used within the Geogrphil Limits during the Period of Insurne: is otined y suh Employee in ny Court situte in the territories speified in Definition 2 ginst ny person or orporte ody not eing You domiiled or operting from premises within suh territories nd remins wholly or prtly unstisfied six months fter the dte of suh judgement At Your request We will py to the sid Employee the mount of ny suh ompenstion nd osts to the extent tht they remin unstisfied provided tht: i ii iii there is no ppel outstnding the Employee shll hve ssigned the judgement to Us this Setion ws shown s opertive in the Shedule t the time of the Injury. ii iii iv The proeedings must relte to n lleged reh ourring during the Period of Insurne within Gret Britin, Northern Irelnd, the Isle of Mn or the Chnnel Islnds in onnetion with The Business. We hve greed detils of the speifi soliitor or ounsel, prior to their ppointment to t on Your ehlf. In the event of n ppel, soliitor or ounsel hs dvised tht there re strong prospets of sueeding in the ppel or reovering ny osts wrd mde ginst the defendnt t ll times throughout the ppels proess. Any hnge to suh prospet of suess during the ppels proess my result in over eing removed. 4 Injury to Working Prtners or Proprietors In respet of Injury sustined y ny working prtner or proprietor nmed s You We will for the purpose of this over deem suh person to e n Employee provided tht We will only e lile when: the Injury is sustined whilst suh prtner or proprietor is working in onnetion with The Business the Injury is used y the negligene of nother prtner or proprietor or Employee whilst working in onnetion with The Business the injured prtner or proprietor hs vlid right of tion in negligene ginst the person responsile for suh Injury. 47

50 5 Court Attendne Compenstion If during the Period of Insurne ny prtner diretor or Employee of You re required to ttend ourt s witness t the request of You in onnetion with lim whih is sujet of indemnity under this Setion We will py ompenstion to You on the following sle for eh dy tht ttendne is required ny diretor or prtner 500 ny Employee 250 Exlusions Generl Exlusion 2, 3 nd 5 of this Poliy pplies to this Setion nd in ddition: 1 Vehiles This Setion does not pply to liility rising out of the ownership possession or use y or on ehlf of You of ny mehnilly propelled vehile or triler tthed thereto if suh liility is required y ny rod trffi legisltion to e the sujet of ompulsory insurne or other seurity. 2 Offshore Instlltion This Setion does not pply to liility in respet of: Conditions All Generl Conditions of this Poliy exept 13 pply to this Setion nd in ddition: 1 Dishrge of Liility We my solve Ourselves from ny further liility in onnetion with ny one lim or series of lims rising out of one ourrene y the pyment of the stted Limit of Indemnity in respet thereof (fter deduting therefrom ny sums lredy pid). 2 Compulsory Insurne Legisltion The Indemnity grnted y this Setion in respet of Injury to ny Employee is deemed to e in ordne with the provisions of ny lw relting to ompulsory insurne or liility to Employees in the territories speified in Definition 2 ut You shll repy to Us ll sums pid y Us whih You would not hve een lile to py ut for the provisions of suh lw. 3 Other Insurnes We will not indemnify You in respet of liility whih is insured y or would ut for the existene of this Setion e insured y ny other poliy, exept in respet of ny exess eyond the mount pyle under suh other poliy hd this insurne not een effeted. trvel to or from work on visiting 4 Certifite of Employers Liility If this Poliy or Setion is nelled ny ertifite of Employers Liility insurne issued hereunder is similrly nelled from the sme dte. ny Offshore Instlltion. 48

51 Setion 8 Business Interruption Definitions The Poliy Definitions of this Poliy pply to this Setion nd in ddition: 1 Annul Turnover* The Turnover during the twelve months immeditely efore the dte of the Dmge. 2 Dmge Dmge s referred to in Setion 1 Mteril Dmge or loss of or dmge or dmge s referred to under Indemnity 2 Dmge in Setion 2 Motor Vehile Rod Risks nd Setion 3 Self Drive Vehile Hire. 3 Gross Profit The mount y whih the sum of the mount of Turnover nd the mount of the losing stok nd work in progress shll exeed the mount of the opening stok nd work in progress nd the mount of Uninsured Working Expenses. Note The mounts of the opening nd losing stoks nd work in progress shll e rrived t in ordne with Your norml ountny methods, due provision eing mde for depreition. 4 Indemnity Period The period eginning with the ourrene of the 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. 5 Insured Vehile Insured Vehile s defined in Setion 2 Motor Vehile Rod Risks nd Rentl Vehile s defined in Setion 3 Self Drive Vehile Hire. 6 Rte of Gross Profit* The rte of Gross Profit erned on the Turnover during the finnil yer immeditely efore the dte of the Dmge. 7 Stndrd Turnover* The Turnover during tht period in the twelve months immeditely efore the dte of the Dmge whih orresponds with the Indemnity Period. 8 Turnover The money (less disounts llowed) pid or pyle to You for goods sold nd delivered nd for servies rendered, whether y You or y others on Your ehlf, in the ourse of The Business onduted t or from The Premises. 9 Uninsured Working Expenses Purhses (less disounts reeived) Crrige, pking nd freight Disounts llowed Bd dets Note The words nd expressions used in this definition shll hve the mening usully tthed to them in Your ooks nd ounts. *Importnt Any neessry djustments shll e mde to the Rte of Gross Profit, Annul Turnover nd Stndrd Turnover to provide for the trend of The Business nd for vritions in or speil irumstnes ffeting The Business whether efore or fter the Dmge, or whih would hve ffeted The Business hd the Dmge not ourred so tht the djusted figures shll represent s losely s is resonly prtile the results whih, ut for the Dmge, would hve een otined during the reltive period fter the Dmge. Note To the extent tht You re ountle to the tx uthorities for Vlue Added Tx, ll terms in this Setion shll e exlusive of suh tx. Cover (Type of over is shown in the Shedule) Indemnity 1 Gross Profit If, during the Period of Insurne, ny uilding or other property or ny prt thereof used y You t or from The Premises, or whilst in trnsit, for the purpose of The Business is dmged y the risks insured ginst under Setion 1 Mteril Dmge nd/or Setion 2 Motor Vehile Rod Risks nd/or Setion 3 Self Drive Vehile Hire nd The Business rried on y You t or from The Premises is s onsequene thereof interrupted or interfered with We will py You the mount of loss resulting from suh interruption or interferene 49

52 Provided tht t the time of the Dmge ourring there is in fore n insurne overing Your interest in the property ginst suh Dmge, nd tht pyment shll hve een mde or liility dmitted under suh insurne (ut this shll not pply if no suh pyment shll hve een mde nor liility dmitted solely owing to the opertion of n Exess). The Amount Pyle on Gross Profit nd wges, slries, fees, redundny pyments nd pyments under the Contrt of Employment Ats or similr legisltion: Cover is limited to loss of Gross Profit due to redution in Turnover nd/or n inrese in ost of working, nd the mount pyle shll e i ii in respet of redution in Turnover: the sum produed y pplying the Rte of Gross Profit to the mount y whih the Turnover during the Indemnity Period shll, in onsequene of the Dmge, fll short of the Stndrd Turnover in respet of inrese in ost of working: the dditionl expenditure neessrily nd resonly inurred for the sole purpose of voiding or diminishing the redution in Turnover whih, ut for tht expenditure, would hve tken ple during the Indemnity Period ut not exeeding the sum produed y pplying the Rte of Gross Profit to the mount of the redution therey voided, less ny sum sved during the Indemnity Period in respet of suh hrges nd expenses of The Business pyle out of Gross Profit s my ese or e redued in onsequene of the Dmge. Provided tht if the mount of Gross Profit delred y You t the ineption of eh Period of Insurne is less thn 75% of the sum produed y pplying the Rte of Gross Profit to the Annul Turnover (or to proportiontely inresed multiple thereof where the Mximum Indemnity Period exeeds twelve months) the mount pyle shll e proportiontely redued. on uditors fees: Cover is limited to the resonle hrges pyle y You to professionl ountnts for produing ny prtiulrs or detils ontined in Your ooks of ount or other usiness ooks or douments or other suh proofs, informtion or evidene s my e required y Us nd ertifying tht suh prtiulrs or detils re in ordne with Your ooks of ount or other usiness ooks or douments. Indemnity 2 Book Dets If during the Period of Insurne Your reords of ounts reeivle or other ooks or reords of The Business sustin Dmge y the risks insured under the Mteril Dmge Setion, nd s result You re unle to tre or estlish the outstnding deit lnes in whole or in prt due to You, We will py You the mount of loss resulting from suh Dmge ut not exeeding 1 the differene etween the outstnding deit lnes nd the totl of the mounts reeived or tred 2 the dditionl expenditure inurred with Our onsent in tring nd estlishing ustomer s deit lnes fter the Dmge 3 n mount up to 1,500 for interest hrged on ny lon rised to offset impired olletions pending repyment of suh sums olletle y You 4 the mount shown in the Shedule. Outstnding deit lnes re the totl set out in Your ounts t the end of the month preeding the loss djusted for d dets mounts deited (or invoied ut not deited) nd redited (inluding redit notes nd sh not pssed through the ooks t the time of the Dmge) to ustomer s ounts in the period etween the dte to whih the sid lst sttement reltes nd the dte of the Dmge ny norml ondition of trde whih hd or ould hve hd mteril effet on The Business so tht the figures thus djusted shll represent s nerly s my e resonly prtile those whih would hve een otined hd the Dmge not ourred. Indemnity 3 Additionl Inrese Cost of Working Cover extends to inlude dditionl expenditure eyond whih We will py s Indemnity in respet of inrese in ost of working under Indemnity 1 Gross Profit, neessrily nd resonly inurred in onsequene of Business Interruption for the purpose of voiding or diminishing the redution in Turnover during the Indemnity Period. The most We will py for ny one lim is the mount shown in the Shedule. 50

53 Indemnity 4 Additionl Cost of Working If, during the Period of Insurne, ny uilding or other property or ny prt thereof used y You t or from The Premises or whilst in trnsit, for the purpose of The Business is sujet to Dmge y the risks insured under Setion 1 - Mteril Dmge, nd The Business rried on y You t or from The Premises is s onsequene thereof interrupted or interfered with, We will py You the mount of loss resulting from suh interruption or interferene. Provided tht: t the time of the Dmge ourring there is in fore n insurne overing Your interest in the property ginst suh Dmge, nd tht pyment shll hve een mde or liility dmitted under suh insurne (ut this shll not pply if no suh pyment shll hve een mde or liility dmitted solely owing to the opertion of n Exess). in onsequene i the Deprtmentl Cluse, Automti Reinsttement of Loss nd Premium Rete luses ii Extensions 2 Suppliers, 5 Foreign Trvel nd 6 - Customers iii Indemnity 2 - Book Dets shll not pply in respet of this Indemnity. The Amount Pyle i on Additionl Cost of Working: Cover is limited to the dditionl expenditure neessrily nd resonly inurred y You during the Indemnity Period in order to minimise ny interruption or interferene with The Business in onsequene of the Dmge. Deprtmentl Cluse If The Business e onduted in deprtments the independent trding results of whih re sertinle, the provisions of luses i nd ii of Indemnity 1 shll pply seprtely to eh deprtment ffeted y the Dmge sujet to the terms of The Amount Pyle. Pyments on Aount Pyments on ount my e mde during the Indemnity Period, if desired, sujet to ny neessry djustment t the termintion of suh period. Automti Reinsttement of Loss In onsidertion of the insurne not eing redued y the mount of ny loss You shll py the pproprite extr premium on the mount of the loss from the dte of loss to the expiry of the Period of Insurne. Premium Rete The premium pid hereon my e djusted on reeipt y Us of delrtion of Gross Profit erned during the finnil yer most nerly onurrent with the Period of Insurne, s reported y Your uditors. If ny Dmge shll hve ourred giving rise to lim for loss of Gross Profit the ove mentioned delrtion shll e inresed y Us for the purpose of premium djustment y the mount y whih the Gross Profit ws redued during the finnil yer solely in onsequene of the Dmge. If the delrtion (djusted s provided for ove nd proportiontely inresed where the Mximum Indemnity Period exeeds 12 months) is less thn the Gross Profit delred t ineption/renewl for the reltive Period of Insurne We will llow pro-rt return of premium not exeeding 50% of the premium pid. ii on uditor's fees: Cover is limited to the resonle hrges pyle y You to professionl ountnts for produing ny prtiulrs or detils ontined in Your ooks of ounts or other usiness ooks or douments, or other suh proofs, informtion or evidene s my e required y Us, nd ertifying tht suh prtiulrs or detils re in ordne with Your ooks of ount or other usiness ooks or douments. The Amount Pyle shll not exeed the mount shown in the Shedule. 51

54 Extensions 1 Denil of Aess Loss resulting from interruption or interferene with The Business in onsequene of Dmge y ny use overed y Setion 1 Mteril Dmge to property in the immedite viinity of The Premises whih shll prevent or hinder the use thereof or ess thereto, whether The Premises or property of You therein re dmged or not, shll e deemed to e loss resulting from Dmge to property used y You t The Premises, ut exluding Dmge to the property of ny supply undertking from whih You otin eletriity, gs, wter or teleommunitions servies whih prevents or hinders the supply of suh servies to The Premises. 2 Suppliers Loss s insured under Indemnity 1 of this Setion resulting from interruption of or interferene with The Business in onsequene of Dmge y ny use overed y Setion 1 Mteril Dmge to property t the undernoted situtions or to property s undernoted shll e deemed to e loss resulting from Dmge to property used y You t or from The Premises. Provided tht Our liility under this Extension shll not exeed the following perentges of the Gross Profit Sum Insured: A premises of ny of Your suppliers of goods nd/or servies with whom You hve ontrts or ontrtul trding reltionship with t the time of Dmge ll situte within the Geogrphil Limits or ny memer ountry of the Europen Union (exept s provided for under B or C) Provided tht Our mximum liility in respet of ny one lim shll not exeed 33.3% of the Gross Profit Sum Insured or 2,500,000 whihever is the lower C Vehiles whilst stored t premises not in Your ouption situted within the Geogrphil Limits Provided tht Our mximum liility in respet of ny one lim shll not exeed 15% of the Gross Profit Sum Insured We will not indemnify You in respet of Dmge t ny premises of suppliers of eletriity, gs, wter or teleommunitions servies. 3 Supply Undertkings Loss resulting from interruption or interferene with The Business in onsequene of Dmge y ny use overed y Setion 1 Mteril Dmge to ny property shown elow within the Geogrphil Limits Property A B t ny lnd sed premises omprising ny lnd sed onneting le, pipe or pylon to the terminl onneting point t The Premises of ny supply undertking servie provider or produer from whih You otin i eletriity (inluding generting sttions or susttions) ii gs ( inluding ny nturl gs produer linked diretly therewith) iii wter (inluding works nd pumping sttions) iv teleommunitions servies (exluding intrnet or extrnet servies) v other teleommunitions servies (inluding intrnet or extrnet servies) Provided tht Our liility for ny one lim shll not exeed 10,000,000 or the Gross Profit Sum Insured whihever is the lesser B premises of ny motor vehile mnufturer with whom You hve ontrts or ontrtul trding reltionship with t the time of Dmge or the premises of ny mnufturers supplying them with omponents or mterils whom the motor vehile mnufturer hs ontrts or ontrtul trding reltionships with t the time of Dmge ll situte within the Geogrphil Limits or ny memer ountry of the Europen Union We shll not e lile for ny loss i whih does not involve esstion of supply for t lest six (6) onseutive hours in respet of prgrph B. ove ii used y or rising from or ttriutle to ny overhed trnsmission nd distriuting line nd their supporting strutures, other thn those within one (1) mile of The Premises. Provided tht Our mximum liility in respet of ny one lim shll not exeed 33.3% of the Gross Profit Sum Insured or 2,500,000 whihever is the lower 52

55 4 Filure of Supply Loss resulting from interruption or interferene with The Business in onsequene of identl filure of supply of ny of the under-noted ontingenies within the Geogrphil Limits i ii iii iv v eletriity t the terminl ends of the servie provider s feeder t The Premises gs t the servie provider s meters t The Premises wter t the servie provider s min stop ok serving The Premises lnd sed teleommunitions servies (exluding intrnet or extrnet servies) t the inoming line terminls or reeivers t The Premises other teleommunitions servies (inluding intrnet or extrnet servies) t the inoming line terminls or reeivers t The Premises Provided tht Our liility for ny one lim shll not exeed 1,000,000 or the Gross Profit Sum Insured whihever is the lesser In respet of the supply of lnd sed nd other teleommunitions servies the mximum Indemnity Period shll not exeed 3 months We shll not e lile for ny loss i whih does not involve esstion of supply for t lest six (6) onseutive hours in respet of the supply of eletriity, gs or wter servies nd for t lest twelve (12) onseutive hours in respet of the supply of the lnd sed nd other teleommunitions servies ii resulting from the delierte t of ny supply undertking or y the exerise y ny suh undertking of its power to withhold or restrit supply or servies not performed for the sole purpose of sfegurding life or proteting the supply undertking s system iii resulting from filure used y strikes or ny lour or trde dispute drought other tmospheri or wether onditions, ut this shll not exlude filure due to dmge used y suh onditions iv used y or rising from or ttriutle to the filure of ny overhed trnsmission nd distriuting lines nd their supporting strutures, other thn those within one (1) mile of The Premises v vi resulting from the filure of teleommunitions servies vi stellite due to the filure of ny stellite prior to its ttining it full operting funtion or whilst in or eyond the finl yer of its design life in the event of temporry interferene with trnsmissions to nd from stellites due to tmospheri wether, solr or lunr onditions resulting from the trnsfer of Your stellite fility to nother prty s insured under the Supply Undertkings Extension. 5 Foreign Trvel Generl Exlusion 1 shll not pply to loss resulting from Dmge, insurle under the Motor Vehile Rod Risks Setion, sustined y ny Insured Vehile whilst suh vehile is eing used on the ontinent of Europe or is in trnsit etween its ountries. 6 Customers Loss s insured under Indemnity 1 of this Setion resulting from interruption of or interferene with The Business in onsequene of Dmge y ny use overed y Setion 1 Mteril Dmge to property t the premises of ny of Your ustomers within the Geogrphil Limits with whom t the time of the Dmge You hve greed under ontrt to supply goods or servies up to limit of 5% of the Gross Profit Sum Insured. Exlusions The Generl Exlusions of this Poliy pply to this Setion nd in ddition it does not over: 1 loss used y the delierte t of ny supply undertking or y the exerise y ny suh undertking of its power to withhold or restrit supply or servies exept for loss resulting from: Dmge resulting from use whih is not otherwise exluded susequent Dmge resulting from n ensuing use whih is not otherwise exluded. 2 in respet of Indemnity 2 only, losses rising from identl ersure, misfiling or mislying of reords. Conditions The Generl Conditions of this Poliy pply to this Setion. 53

56 Setion 9 Conversion Definition The Poliy Definitions of this Poliy pply to this Setion nd in ddition: Vehile Any motor vehile or triler. Cover Indemnity We will indemnify You ginst ny loss sustined y You in onnetion with ny Vehile purhsed y You in the ourse of The Business in respet of whih: 1 the rightful nd lwful owner hs sustntited vlid lim for the return of the Vehile or its vlue. 2 the person to whom You hve ontrted to sell the Vehile hs sustntited vlid lim for dmges for reh of implied wrrnty of title. In ddition We will py osts reovered y ny limnt ginst You where the lim is ontested y Us or is ontested with Our written onsent Exlusions The Generl Exlusions of this Poliy pply to this Setion nd in ddition it does not over: The first 350 of eh lim. Conditions The Generl Conditions of this Poliy pply to this Setion nd in ddition: You shll e susrier to HPI Ltd or Experin Ltd nd it is ondition preedent to Our liility tht ll pyments for Vehiles purhsed or llownes for prt exhnge mde y You shll e y heque, redit rd pyment, CHAPS, BACS or redit ginst new purhse nd no suh pyment shll e mde until HPI Ltd or Experin Ltd onfirm tht there is no dverse informtion held ginst the Vehile. Suh onfirmtion from HPI Ltd or Experin Ltd need not e in writing t the time of sle ut written onfirmtion must e provided to Us in onnetion with ny lim efore n indemnity shll pply under this Setion. inurred with Our written onsent for the defene of suh lim. Limit of Indemnity Our liility for ll ompenstion pyle under this Setion in respet of ll Vehiles purhsed y You in ny one Period of Insurne is limited to the mount shown in the Shedule. 54

57 Setion 10 Fidelity Gurntee Definitions The Poliy Definitions of this Poliy, exept 2, pply to this Setion nd in ddition: 1 Ating in Collusion Ating in Collusion shll men ll irumstnes where two or more Employees re onerned or implited together or mterilly ssist eh other in ommitting the ts of Theft. 2 Dte of Aeptne Dte of eptne shll men the ommenement dte of the first Period of Insurne or the dte on whih the Employee enters into ontrt of servie or pprentieship with You whihever is the ltest. 3 Employee Employee shll men ny person under ontrt of servie or pprentieship with You or undergoing trining under ny Government pproved trining sheme under Your ontrol in onnetion with The Business whilst in Your servie normlly resident in the Geogrphil Limits. The term Employee shll inlude ny of the following persons whilst working for You in onnetion with The Business i ii iii ny diretor of You if suh person 1 is lso employed y You under ontrt of servie nd 2 ontrols no more thn 5 per ent of the issued shre pitl of Your ompny or of ny susidiry of Your ompny. ny person retired from full-time employment with You who is working for You s onsultnt under the ontrol or diretion of You ny person supplied to You under ontrt or greement stipulting tht suh person shll e deemed to e in the employment of You for the durtion of suh ontrt or greement iv ny self-employed person performing work of kind normlly performed under ontrt of servie or pprentieship with You, provided tht suh work is under the immedite supervision nd ontrol of You. 4 One Clim One Clim shll men ll ts of Theft throughout the ontinution of this insurne (or ny insurne issued in sustitution therefore or for whih this insurne is sustituted) ommitted y one individul Employee or y two or more Employees Ating in Collusion. 5 System of Chek System of Chek shll men the minimum stndrds d of supervision of ounting proedures for heking the seurity of money, goods or property of omputer seurity for the vetting of employees dislosed on the Fidelity Gurntee Insurne Motor Trde Supplementry Proposl Form together with ny susequent mendments required in writing y Us or otherwise greed in writing y Us. 6 Theft For the purposes of this Setion Theft shll men ny t of frud or dishonesty y ny Employee ommitted with the ler intent of otining n improper finnil gin for themselves or for ny other person or orgnistion intended y the Employee to reeive suh gin other thn slries, fees, ommission or other employee enefit erned in the norml ourse of employment. Cover We will py You for diret loss of money or goods elonging to You or for whih You re leglly responsile used y Theft during the ontinune of this Setion nd during the uninterrupted employment of suh Employee y You nd is disovered within eighteen lendr months from Theft. 55

58 Exlusions The Generl Exlusions of this Poliy pply to this Setion nd in ddition it does not over: 1 loss of interest or onsequentil loss of ny kind. 2 loss used y ny t of ny Employee ommitted prior to the Dte of Aeptne pplile to tht Employee. 3 loss where You ontinue to entrust the defulting Employee with money or goods fter eoming wre of ny mteril ft ering on the honesty of the sid Employee. 4 if there is ny hnge in the nture of The Business to the System of Chek unless suh hnge is greed y Us in writing. 5 for ny unexplined shortges. 6 for the mount of ny Exess s sertined fter ll other terms nd onditions of the Setion. Bsis of Settlement The mount pyle y Us s indemnity to You shll e the vlue in money of the goods t the time of the loss or t Our option the replement or reinsttement of suh goods. Limit of Indemnity Our liility under this Setion 1 in respet of ny One Clim irrespetive of the numer of Periods of Insurne during whih the insurne y this Setion (nd ny insurne issued in sustitution therefore) shll remin in fore shll not exeed the Limit of Indemnity stted in the Shedule 2 in respet of ny one Period of Insurne shll not exeed the Limit of Indemnity stted in the Shedule. Extensions 1 Auditors Fees nd Rewriting of System Reords As diret result of loss of money or goods resulting in vlid lim under this Setion We will lso py for uditors fees inurred with Our written onsent solely to sustntite the mount of the lim the resonle ost of rewriting or mending the softwre, progrms or systems where suh rewriting or mending is neessry to orret the progrms or mend the seurity odes following the frudulent use of omputer hrdwre or softwre progrms or omputer systems the sujet of lim for whih liility is dmitted under this Setion Provided tht Our totl liility inluding ny mount pyle under the provisions of this Setion Extension shll not exeed the Limit of Indemnity. 2 Previous Insurne If this insurne immeditely supersedes fidelity insurne effeted y You (the superseded Insurne ) We will indemnify You in respet of ny loss disovered during the ontinution of this insurne ut ommitted during the ontinution of the superseded Insurne if the loss is not reoverle thereunder solely euse the period llowed for disovery hs expired Provided tht suh insurne hs een ontinuously in fore from the time of the loss until ineption of this Setion the loss would hve een insured y this insurne hd it een in fore t the time of the loss Our liility shll not exeed whihever is the lesser of i the mount reoverle under the insurne in fore t the time of the loss or ii the Limit of Indemnity under this insurne. In ny event Our totl liility in respet of ny One Clim ontinuing through oth the term of the superseded Insurne nd the ontinution of this insurne shll not exeed the Limit of Indemnity pplile under this Setion. 56

59 3 Pension Fund Trustees At Your request We will indemnify the trustees of ny pension fund or other Employee enefit sheme set up to provide enefit to Your Employees in respet of ny loss of money or goods whih the trust my inur s result of ny t of Theft s otherwise insured y this Setion ommitted y n Employee of You. For the purpose of this Setion extension ll persons nominted s trustees shll e deemed Employees. 4 Temporry Ageny Stff The term Employee shll inlude ny person furnished y stff or employment geny who y rrngement with suh geny is working for You on temporry or prt-time sis in onnetion with The Business to perform the funtion nd duties of n Employee under the ontrol or diretion of You ut exluding persons employed: s drivers in onnetion with wrehouse duties with omputer opertions or omputer progrmming unless speifilly stted s insured herein Provided tht 1 We shll not e lile for ny loss used y ny suh person if suh loss is lso overed for the enefit of You y ny insurne or gurntee held y stff or employment geny furnishing the person onerned 2 the mount of wges nd slries delred shll inlude the totl mount of fees pid to stff nd employment genies in respet of temporry geny stff desried ove 3 the referene ondition shll not pply to the temporry geny stff desried ove. Conditions The Generl Conditions of this Poliy pply to this Setion nd in ddition: 1 Cesstion of Cover Immeditely following the disovery y You of ny t of Theft y n Employee ll liility for further ts of Theft y tht Employee shll ese. 2 Clims (Ation y You) On the disovery of ny t whih my give rise to lim You shll notify Us immeditely notify the polie uthority immeditely nd tke ll prtil steps to disover ny guilty person nd to tre nd reover the money nd goods deliver to Us t Your own expense within 30 dys fter suh t, or suh further time s We my llow: i full informtion in writing of the money or goods lost nd the mount of the loss ii detils of ny other insurne s on ny money or goods herey insured iii ll suh proofs nd informtion relting to the lim s my e resonly required iv if demnded sttutory delrtion of the truth of the lim nd of ny mtters onneted with it. No lim under this Setion shll e pyle unless the terms of this Setion ondition hve een omplied with. 3 Employee s Money Any money of the Employee in Your hnds upon disovering of ny loss nd ny money whih ut for the Employee s theft would hve een due to the Employee from You shll e deduted from the mount of the loss efore lim is mde under this insurne. 57

60 4 Reoveries of further Monies Any reoveries effeted y You less ny osts inurred in reovery shll rue in the event tht Your lim hs exeeded the Limit of Indemnity firstly to the enefit of You to redue or extinguish the mount of Your loss (ut not in respet of the mount of the Exess, where pplile) therefter to the enefit of Us to the extent of the lim pid or pyle finlly to the enefit of You where n Exess hd een deduted from the lim. 7 Auditors It is ondition preedent to Our liility tht Your ounts, inluding ll susidiry ompnies, re exmined y externl uditors every twelve months. All reommendtions or lterntives eptle to the uditors must e implemented without dely. 8 Referenes It is ondition preedent to Our liility tht You otin stisftory referenes: to onfirm the honesty of eh Employee who will e responsile for money, goods, ounts, omputer opertions or omputer progrmming 5 Termintion of Servie It is ondition preedent to Our liility tht upon the termintion of servie of ny Employee You shll tke ll resonle preutions to prevent loss s insured y this Setion, inluding ut not limited to: the hnging of ll lrm nd other seurity odes or psswords the Employee hd or my hve hd knowledge of the deletion or invlidtion of ny ess odes or psswords the Employee hs to ess omputer or other systems. 6 System of Chek It is ondition preedent to Our liility tht You i ii operte nd enfore the System of Chek do not mke ny hnges to suh System Chek unless nd until We re dvised nd Our written pprovl otined d diretly from former employers for the three yers immeditely preeding enggement nd efore the Employee is entrusted without supervision. Any gps in servie must e ounted for Referenes need not e otined in respet of Employees who hve stisftorily nd ontinuously served You for t lest three yers in nother pity efore eing entrusted with the duties referred to ove from one hrter referee in respet of Employees joining diretly from shool or Government sponsored youth trining shemes Inluding written report of ny verl referene shll e mde t the time it is otined. The originl opy of eh written referene nd the reord of ny verl referene shll e retined y You nd shll e mde ville for inspetion y Us upon request. iii instrut ll Employees s to their duties or responsiilities in respet of suh System of Chek nd enfore ompline. 58

61 Setion 11 Terrorism Mteril Dmge Setion 12 Terrorism Business Interruption Definitions The Poliy Definitions of this Poliy pply to these Setions nd in ddition: 1 At of Terrorism Ats of Persons ting on ehlf of, or in onnetion with, ny orgnistion whih rries out tivities direted towrds the overthrowing or influening, y fore or violene, of Her Mjesty s government in the United Kingdom or ny other government de jure or de fto. 2 Consequentil Loss Loss resulting from interruption of or interferene with The Business rried on y You t The Premises in onsequene of loss or destrution of or Dmge to Property used y You t The Premises for the purpose of The Business. 3 Dmge Loss or destrution or dmge to the Property Insured. 4 Denil of Servie Attk Any tions or instrutions onstruted or generted with the ility to dmge, interfere with or otherwise ffet the vilility of networks, network servies, network onnetivity or informtion systems. Denil of Servie Attks inlude, ut re not limited to, the genertion of exess trffi into network ddresses, the exploittion of system or network weknesses, nd the genertion of exess or non-genuine trffi etween nd mongst networks. 5 Event All individul losses rising in respet of ontinuous period of 72 hours of whih the proximte use is the sme At of Terrorism. The dte nd time tht ny suh period of 72 hours shll ommene shll e set y Us. 7 Nuler Instlltion Any Instlltion of suh lss or desription s my e presried y regultions mde y the relevnt Seretry of Stte from time to time y sttutory instrument, eing n instlltion designed for or dpted for the prodution or use of tomi energy the rrying out of ny proess whih is preprtory or nillry to the prodution or use of tomi energy nd whih involves or is ple of using the emission of ionising rditions the storge, proessing or disposl of nuler fuel or of ulk quntities of other rdiotive mtter, eing mtter whih hs een produed or irrdited in the ourse of the prodution or use of nuler fuel. 8 Nuler Retor Any plnt (inluding ny mhinery, equipment or ppline, whether ffixed to lnd or not) designed or dpted for the prodution of tomi energy y fission proess in whih ontrolled hin retion n e mintined without n dditionl soure of neutrons. 9 Property Insured Property s detiled in the Shedule to this Poliy ut exluding: 1 property insured under ny form of Mrine, Avition or Trnsit poliy Setion 2 Motor Vehile Rod Risks or Setion 3 Self Drive Vehile Hire reinsurne poliy or greement d Bnkers Blnket Bond Whether suh poliy or greement inludes over for n At of Terrorism or not. 6 Hking Unuthorised ess to ny omputer or other equipment or omponent or system or item whih proesses, stores, trnsmits or retrieves dt, whether Your property or not. 59

62 2 ny lnd or uilding whih is insured in the nme of n individul nd is oupied y tht individul for residentil purposes, unless insured under the sme poliy s the reminder of the lnd or uilding whih is not privte residene The uilding is lok of flts nd/or privte dwelling house nd You re trustee or ody of trustees or sole trder Note 1. Trustees nd sole trders re not deemed to e individuls. Note 2. For the voidne of dout, suh loks of flts, self-ontined units insured s prt of suh loks of flts or suh privte dwelling houses oupied s privte residene y ny of the trustee(s) or sole trder(s) will e deemed to e insured in the nme of n individul. 3 ny Nuler Instlltion or Nuler Retor. 4 ny loss whtsoever or ny expenditure resulting or rising therefrom or ny onsequentil loss diretly or indiretly relting to privte residene property when insured in the nme of privte individul used y or ontriuted to y or rising from: the rdiotive toxi explosive or other hzrdous properties of ny explosive nuler ssemly or nuler omponent thereof; ionising rdition or ontmintion y rdiotivity or from the omustion of ny rdiotive mteril; hemil nd/or iologil nd/or rdiologil irritnts ontminnts or pollutnts. 10 Territoril Limits Englnd nd Wles nd Sotlnd ut not the territoril ses djent thereto s defined y the Territoril Ses At Note 1. Note 2. This shll inlude the Chnnel Tunnel up to the frontier with the Repuli of Frne, s set out y the Trety of Cnterury. For the voidne of dout, this exludes Northern Irelnd, the Isle of Mn nd the Chnnel Islnds. 11 Virus or Similr Mehnism Progrm ode, progrmming instrution or ny set of instrutions intentionlly onstruted with the ility to dmge, interfere with or otherwise dversely ffet omputer progrms, dt files or opertions, whether involving self replition or not. The definition of Virus or Similr Mehnism inludes ut is not limited to trojn horses, worms nd logi oms. 12 Phishing Any ess or ttempted ess to dt or informtion mde y mens of misrepresenttion or deeption. Cover We will py You for Dmge, or Consequentil Loss osioned y or hppening through or in onsequene of n At of Terrorism within the Territoril Limits Provided lwys tht the insurne y this Setion d e is not sujet to the Generl Exlusions of this Poliy is sujet otherwise to ll the terms nd onditions of this Poliy exept where expressively vried y this Setion is sujet to mximum Period of Insurne of 12 months from the Effetive Dte or ny susequent Renewl Dte of this Poliy. Any susequent period of over of 12 months, or prt thereof, provided y this Setion is deemed to onstitute seprte Period of Insurne, provided tht i no susequent Period of Insurne y this Setion shll extend eyond the next Renewl Dte of this Poliy ii the renewl premium due in respet of this Setion hs een reeived y Us is not sujet to ny Long Term Undertking pplying to this Poliy. is not sujet to ny terms in the Poliy whih provide for djustments of premium. 60

63 Bsis of Settlement As desried in nd sujet to the terms, definitions, provisions, exlusions nd onditions of this Poliy in respet of Dmge or Consequentil Loss. The most We will py for ny one Event is the Totl Sum Insured, or Setion Exlusions We will not py for 1 Digitl nd Cyer Exlusion Any losses whtsoever diretly or indiretly used y or ontriuted to y or rising from or osioned y or resulting from for eh item its individul Sum Insured, or ny other limit of liility in this Poliy, whihever is the less, exept where the liility of Us exeeds the Totl Sum Insured, or for eh item its individul Sum Insured, or ny other limit of liility in this Poliy, where suh exess is solely in respet of ny Cover Extension s provided for in this Poliy. or the ltertion, modifition, distortion, orruption of or Dmge to ny omputer or other equipment or omponent or system or item whih proesses, stores, trnsmits or reeives dt or ny prt thereof whether tngile or intngile (inluding ut without limittion ny informtion or progrms or softwre) ny ltertion modifition distortion ersure, orruption of dt proessed y ny suh omputer or other equipment or omponent or system or item whether Your Property or not, where suh loss is diretly or indiretly used y or ontriuted to y or rising from or osioned y or resulting from Virus or Similr Mehnism or Hking or Phishing or Denil of Servie Attk. 2 Riot, Civil Commotion nd Wr Any losses whtsoever osioned y riot, ivil ommotion, wr, invsion, t of foreign enemy, hostilities (whether wr is delred or not), ivil wr, reellion, revolution, insurretion, or militry or usurped power. 3 Territoril Limits Any losses whtsoever rising diretly or indiretly from ny over or extension of The Premises provided y this Poliy to lotions outside the Territoril limits. Setion Conditions Burden of Proof In ny tion suit or other proeedings where We llege tht ny Dmge or loss resulting from Dmge is not overed y this Poliy, the urden or proving tht suh Dmge or loss is overed shll e upon You. 61

64 Setion 13 Personl Aident Definitions The Poliy Definitions of this Poliy pply to this Setion nd in ddition: 1 Aidentl Bodily Injury Bodily injury used y identl violent externl nd visile mens exposure following mishp to ny vehile, vessel or irrft in whih the Insured Person is trvelling. 2 Aumultion Limit Our mximum liility for ll epted lims in the ggregte in respet of ll Insured Persons involved in the sme originting event. 3 Airrft Aumultion Limit Our mximum liility in the ggregte under this Setion nd ny other group personl ident or usiness trvel poliies issued or to e issued y Us to You in respet of ny one originting event involving ny irrft trvel. 4 Assoited Illness Sikness or disese (exept ny psyhologil ondition or disorder) whih results diretly from the Insured Person sustining Aidentl Bodily Injury, tht would not otherwise hve risen nd hd not previously risen. 5 Benefit The sum or sums of money tht We hve greed to py You nd/or the Insured Person s shown in the Shedule. 6 Contmintion Contmintion or poisoning of people y nuler nd/or hemil nd/or iologil sustnes whih use illness nd/or dislement nd/or Deth. 7 Deth Deth used y Aidentl Bodily Injury. 8 Event Aumultion Limit Our mximum liility in the ggregte under this Setion nd ny other group personl ident or usiness trvel poliies issued or to e issued y Us to You for ll losses not involving ir trvel. 9 Exess Period The first period of Temporry Totl Dislement or Temporry Prtil Dislement for whih no Benefit is pyle s shown in the Shedule. 10 Insured Person/Insured Persons Those persons speified in the Shedule s eing n Insured Person. 11 Loss of Hering Totl nd permnent loss of hering in one or oth ers. 12 Loss of Lim Totl nd permnent loss y physil seprtion or totl nd permnent loss of use of hnd t or ove the wrist or foot t or ove the nkle. 13 Loss of Sight Totl nd permnent loss of sight whih will e onsidered s hving ourred: in oth eyes if the Insured Person s nme hs een dded to the Register of Blind Persons mintined y the government on the uthority of fully qulified ophthlmi speilist or in one eye if the degree of sight remining fter orretion is 3/60 or less on the Snellen Sle whih hs lsted 3 onseutive months of the Insured Person's lifetime nd is t the end of tht period eyond hope of improvement. 14 Mximum Benefit The mximum mount of Benefit pyle s shown in the Shedule. 15 Mximum Benefit Period The mximum length of time for whih Benefit is pyle fter the Exess Period hs expired s shown in the Shedule. 62

65 16 Permnent Prtil Dislement Loss of Sight, Loss of Hering nd Loss of Lim. 17 Permnent Totl Dislement Any permnent dislement other thn Loss of Sight or Loss of Hering or Loss of Lim whih hving lsted without interruption for t lest 12 months hs no resonle prospet of improving nd, in the opinion of n independent qulified medil referee eptle to Us, will in ll proility permnently, ompletely nd ontinuously prevent the Insured Person from engging in or giving ttention to their Usul Ouption for the reminder of their life. 18 Sle(s) of Compenstion The sle of Benefits s shown in the Shedule. 19 Temporry Totl Dislement Dislement whih ompletely prevents the Insured Person from performing eh nd every funtion of their Usul Ouption ut is not Permnent Totl Dislement. 20 Temporry Prtil Dislement Dislement whih ompletely prevents the Insured Person from performing more thn 50% of the funtions of their Usul Ouption ut is not Permnent Totl Dislement. 21 Usul Ouption The tsks, duties nd other funtions whih You normlly py the Insured Person to perform in onnetion with The Business of You. 22 Weekly Benefit The mount shown in the Shedule under the Sle(s) tht We will py to You for eh omplete working week, during ny period of Temporry Totl Dislement or Temporry Prtil Dislement of n Insured Person. 24 Opertive Time of Cover The time nd irumstnes when over under this Poliy is effetive within the Period of Insurne s shown in the Shedule y referene to the following terms whih hve the following menings: A B Cover Aident Ouptionl nd Commuting While n Insured Person is rrying out their ouptionl duties for You or trvelling etween n Insured Person s ple of residene nd ple of work or trvelling etween ples of work where the trvel is t Your expense. 24 Hours At ny time. We will py You ompenstion in ordne with the Sle(s) of Compenstion speified in the Shedule if ny Insured Person suffers Aidentl Bodily Injury during the Period of Insurne nd Opertive Time of Cover whih within 12 months thereof solely, diretly nd independently of ny other use results in the Deth, Permnent Totl Dislement, Permnent Prtil Dislement, Temporry Totl Dislement or Temporry Prtil Dislement of n Insured Person. First Aid Expenses We will py ll first id expenses inurred y You or the Insured Person in diret onnetion with ny ompenstion whih is pyle for Weekly Benefit up to ut not exeeding 15% of the totl ompenstion pyle sujet to n overll mximum pyment of 15, Weekly Wge The gross si weekly mount (exluding overtime nd onus pyments) pyle y You to the Insured Person s t the dte of ourrene of the ident for their Usul Ouption. 63

66 Exlusions The Generl Exlusions of this Poliy pply to this Setion nd in ddition it does not over ny lim or series of lims: 1 sustined whilst or onsequent upon or ontriuted to diretly or indiretly y n Insured Person engging in: d e f g h i motor yling (other thn in respet of mopeds or sooters up to 50) hunting winter sports other thn urling or skting mountineering or rok liming (neessitting the use of ropes or guides) rmed or unrmed omt sports, pot holing, skindiving or other hzrdous tivity riding or driving in ny kind of re or endurne test (or prtie thereof) ir trvel other thn s fre pying pssenger in fully liensed pssenger rrying irrft. No over is in ple for memers of n irrft s rew or for n Insured Person rrying out ny trde or tehnil opertion whilst n irrft is in flight ny ginful ouption outside The Business of You speified in the Poliy tive servie in the rmed fores of ny Ntion or Interntionl Authority 2 rising out of onsequent upon or ontriuted diretly or indiretly y the Insured Person: 3 used or ontriuted to diretly or indiretly y: d pregnny or hildirth sexully trnsmitted diseses inluding HIV (Humn Immunodefiieny Virus) nd/or ny HIV relted illness inluding AIDS (Aquired Immune Defiieny Syndrome) nd/or ny mutnt derivtive or vritions thereof however used the suiide, intentionl self-injury or insnity of or y the Insured Person sikness or disese (with the exeption of Assoited Illness) or ny nturlly ourring ondition or grdully operting use 4 pyle s result of ny event diretly or indiretly rising out of ny ontmintion due to ny t of Terrorism regrdless of ny other use or ny other event ontriuting t the sme time or in ny other sequene to suh event If We llege tht y reson of this exlusion ny loss dmge ost or expense is not overed the urden of proving the ontrry shll e upon You 5 rising out of or onsequent upon (or ontriuted to diretly or indiretly y) ny one originting event not involving or relting to ny irrft in exess of 20,000,000 or the mount shown under the Event Aumultion Limit stted in the Shedule 6 rising out of or onsequent upon (or ontriuted to diretly or indiretly y) ny one originting event involving or relting to ny irrft in exess of Airrft Aumultion Limit stted in the Shedule eing ffeted y lohol where the lohol level is greter thn 80 milligrms per 100 millilitres of lood or from the Insured Person tking illegl drugs or tking non-presried drugs for reretionl purposes or tking drugs presried for the tretment of the Insured Person s own drug ddition or loholism ommitting riminl t or whilst engged in ivil ommotion or riot of ny kind 64

67 Conditions The Generl Conditions of this Poliy exept 7 nd 9 pply to this Setion nd in ddition: B Your Oligtions to Notify Chnges You must give immedite notie to Us of ny hnge to the ouption of ny Insured Person from tht whih You originlly dvised to Us. A In respet of eh Insured Person: 1 this Setion shll ese to e in fore immeditely fter the ourrene of ny event qulifying for pyment under Item 1 to 5 of the Sle(s) of Compenstion. 2 ompenstion will not e pid under more thn one of the Items 1 to 5 of the Sle(s) of Compenstion for the onsequenes of the sme originting event. 3 We will not py weekly ompenstion: C Clims Conditions The following onditions explin the tions nd oopertion whih We require from You nd/or the Insured Person when mking lim under this Setion. No lim will e pid unless You nd/or the Insured Person omply stritly with these onditions. 1 You must give notie to Us s soon s possile nd in ny event within 30 dys fter the hppening of ny loss dmge, or ourrene whih my result in lim under this Setion. i ii iii iv for one or more originting events ourring in ny one Period of Insurne for more thn the Mximum Benefit Period speified in the Sle(s) of Compenstion for suh first prt of eh period of dislement s is speified s the Exess Period in the Sle(s) of Compenstion for the first two weeks of ny Temporry Totl Dislement or Temporry Prtil Dislement of ny Insured Person sustined whilst or s onsequene of plying ssoition footll, rugy or hokey onurrently under more thn one of Items 4 or 5 under the Sle(s) of Compenstion for the onsequenes of one or more originting events. 4 pyment of Weekly Benefit does not prejudie Your entitlement to ny other Benefit ut pyment of Weekly Benefits will ese if We py ny Benefit under Items 1 to 5. 5 where the totl of ll individul lims exeed the i ii Airrft Aumultion Limit Event Aumultion Limit the individul lims shll e redued proportiontely until the totl of ll individul lims does not exeed the pproprite limit stted within the Shedule. 2 The Insured Person must t Our request sumit to medil exmintion in respet of ny Aidentl Bodily Injury where You require Us to onsider lim under this Poliy for whih We will py the ost of the medil exmintion fee. 3 As soon s possile fter the ourrene of ny Aidentl Bodily Injury the Insured Person must otin nd follow the dvie of registered medil prtitioner. We will not e lile for ny odily injury whih is worsened or prolonged or ny other onsequenes whih rise s result of the Insured Person's filure to otin nd follow suh dvie nd to use suh tretment remedies or pplines s my e presried. 4 In the event of the Deth of n Insured Person We will e entitled to hve post-mortem exmintion rried out t Our expense. 5 To lim for Benefits under Items 4 or 5 (Weekly Benefit) the Insured Person must hve no other Weekly Benefits insurne in fore exept s delred to nd epted y Us during the Period of Insurne. 6 The Mximum Benefit insured for Temporry Totl Dislement should in no instne exeed 100% of the Insured Persons norml Weekly Wge. The Sum Insured for Temporry Prtil Dislement should in no instne exeed 40% of the Insured Person s norml Weekly Wge. It is the duty of You nd the Insured Person to inform Us if ny lim pyment does indeed exeed these limits nd pyment will e redued proportiontely until these limits re not exeeded. 65

68 D E Age Limittion The insurne in respet of ny Insured Person will terminte t the end of the Period of Insurne during whih suh Insured Person ttins the ge of 65 yers. Dispperne The Deth of ny Insured Person shll not e presumed y reson of their dispperne. If fter resonle period of time hs elpsed nd Us hving exmined ll the evidene ville hve no reson to suppose other thn tht the Insured Person hs sustined n ident whilst this Setion is in fore resulting in his/her Deth, the dispperne of suh Insured Person shll e deemed to onstitute Deth y ident for the purposes of this Setion. In the event of the Insured Persons re-pperne fter pyment of ompenstion under Item 1 of the Sle(s) of Compenstion the enefiiry thereof shll refund suh ompenstion to Us unless prote hs een grnted or legl evidene of the presumption of Deth hs een supplied to Us. 66

69 Setion 14 Commeril Legl Expenses Definitions Poliy Definitions 5, 6, 8, 10, 11, 12, 15, 19 nd 20 of this Poliy pply to this Setion nd in ddition: 1 Ats of Prliment All Ats of Prliment referred to in this Setion will inlude referene to ll Orders nd Regultions mde under them nd to ny susequent mendments, re-entments, equivlent legisltion, Regultions or Codes of Prtie, enforele within the Geogrphil Limits. 2 Adjudition Adjudition whether rising under the Housing Grnt Constrution nd Regenertion At 1996 or the Sheme or n djudition rising out of ny term in ontrt. 3 Any One Clim All Clims inluding ny ppel ginst judgment or deision rising out of the sme originl use event or irumstne without the intervention of ny other use strting from new nd independent soure will e regrded s one lim. 6 Clim Event 1 Contrt A ivil proeeding (inluding n pplition for injuntive or non-peuniry relief; third prty proeeding, or ounterlim) rought y or ginst You for monetry dmges or other relief. The irumstnes tht give rise to Clim will egin immeditely You: i first eome wre, or should resonly hve eome wre, of ny tul or lleged reh of Contrt y nother prty to tht Contrt, or ii first reeive written notie tht it is the intention of nother prty to Contrt to hold You responsile for ny tul or lleged reh of tht Contrt. Event 2 Employment An pplition to n Employment Triunl rought y or on ehlf of ny Employee ginst You for monetry dmges or other relief, inluding request for reinsttement or re-enggement. The irumstnes tht give rise to Clim will egin immeditely You first reeive n Employee s Clim Form (ETI) from n Employment Triunl. 4 Awrds of Compenstion Bsi Awrds nd Compenstory Awrds mde ginst You y n Employment Triunl, Employment Appel Triunl or Superior Court, or settlements greed s result of negotition, onilition or ritrtion proeedings nd to whih Our previous onsent hs een given, other thn: d ny Awrds of Compenstion ginst You for redundny pyment or monies due under ontrt of employment, or ny wrd rising from filure y You to provide written resons for dismissl, or ny wrd or py speified in reinsttement or reenggement order, or ny finnil enefit or ompenstion pyle under ny shre option sheme or pension sheme. 5 Bsi Awrds Bsi Awrds re s determined in ordne with setion 119 of the Employment Rights At For the voidne of dout Bsi Awrds do not inlude Additionl Awrds, Protetive Awrds, Aggrvted Dmges or Interim Relief. d e Event 3 Txtion Proeedings The irumstnes tht give rise to Clim will egin immeditely You or Your ountnt first reeive written notifition from: i HM Revenue & Customs expressing disstisftion with Your tx ffirs, or ii HM Revenue & Customs with n ssessment or written deision or notie of ivil penlty in respet of VAT. Event 4 Criminl Proseution Defene A riminl proseution rought ginst The Insured Person. The irumstnes tht give rise to Clim will egin immeditely proeedings re issued ginst The Insured Person. Event 5 Property A ivil tion (inluding n pplition for injuntive or non-peuniry relief, third prty tion, or ounterlim) rought y You for the pursuit of monetry dmges or other relief. The irumstnes tht give rise to Clim will egin immeditely You eome wre, or should resonly hve een wre, of: tul physil dmge to The Premises or other Business property resulting in provle finnil loss to You, or 67

70 f reh of Your tenny greement. nd You intend to hold nother prty responsile for tht dmge or reh Event 6 Personl Injury A ivil tion rought y The Insured Person for monetry dmges. The irumstnes tht give rise to Clim will egin immeditely The Insured Person suffers deth or odily injury. 12 Jury Servie Allowne The pyment of up to 100 per dy to You in respet of n Insured Person who is sent from work s result of his or her ttendne for jury servie within the Geogrphil Limits, ut only in so fr s this is not otherwise reoverle from the relevnt ourt nd pyment of suh sum hs een mde y You to The Insured Person under ny ontrt of employment. The mount tht We will py is sed on: g Event 7 Jury Servie Allowne The irumstnes tht give rise to Clim for Jury Servie Allowne will egin immeditely You first know, or should hve known, tht You hve suffered proven finnil loss s result of proprietor, prtner, diretor or Employee of Yours hving een sent from work s result of ttendne for jury servie. 7 Compenstory Awrds Compenstory Awrds re the mounts wrded t the disretion of n Employment Triunl, Employment Appel Triunl or Superior Court intended to ompenste for loss of ernings nd enefits. For the voidne of dout Compenstory Awrds do not inlude Additionl Awrds, Protetive Awrds, Aggrvted Dmges or Interim Relief. 8 Contrt An tul or lleged ontrt, to whih You re prty, for the sle, purhse, hire, servie, supply or repir of goods or for the supply or purhse of servie. For the voidne of dout Contrt does not inlude ny tul or lleged ontrt with ny of Your proprietors, prtners, diretors or Employees. 9 Exess The mount speified in the Exlusions tht You must first py in respet of Any One Clim under this Setion efore We then eome lile to mke pyment under tht Clim. 10 Geogrphil Limits (Events 1, 2, 3, 4, 5 & 7) Gret Britin, Northern Irelnd, the Chnnel Islnds nd the Isle of Mn 11 Geogrphil Limits (Event 6 only) Any memer ountry of the Europen Union nd Ielnd, Norwy nd Switzerlnd. the time The Insured Person is off work inluding the time it tkes to trvel to nd from the ourt. This will e lulted to the nerest hlf dy ssuming tht whole dy is eight hours. if The Insured Person works full time, the slry or wges for eh dy equls 1/250th of The Insured Person s nnul slry or wges. if The Insured Person works prt time, the slry or wges will e proportion of The Insured Person s weekly slry or wges. 13 Lwphone Legl Helpline A telephone dvisory servie provided y Us: to dvise You on usiness relted legl mtters, nd for You to report ll lims under this Setion to Us. 14 Legl Expenses Fees nd Expenses ny unreovered professionl fees, expenses or other disursements resonly nd properly inurred y the Legl Representtive, on the Stndrd Bsis nd up to the stndrd rtes set y the ourts, s my e greed nd onfirmed y Our written Consent in respet of ny Clim, inluding osts nd expenses of expert witnesses nd those inurred y Us in onnetion with suh Clim. ny osts inurred y other prties, insofr s the Insured Person is held lile in ivil ourt or triunl to py suh osts or under settlement mde with nother prty with Our onsent. For the voidne of dout, the indemnity provided in respet of other prties osts does not inlude ny osts wrded ginst The Insured Person following riminl proeedings. 68

71 d ny unreovered professionl fees, expenses or other disursements resonly nd properly inurred y the Legl Representtive on the Stndrd Bsis nd up to the stndrd rtes set y the ourts, s my e greed nd onfirmed y Our written onsent in n ppel, or in resisting n ppel ginst the judgement of relevnt ourt or triunl. ny unreovered professionl fees, expenses or other disursements resonly nd properly inurred y the Legl Representtive, on the Stndrd Bsis nd up to the stndrd rtes set y the ourts or t suh rtes, or in suh mounts s my e greed nd onfirmed y Our written onsent where it is neessry for n ountnt to represent the Insured in onnetion with ny Clim relting to Txtion Proeedings, ut exluding ny tx or interest nd penlties demnded ssessed or requested y HM Revenue & Customs. 15 Legl Representtive A soliitor, rrister or ny other ppropritely qulified person ppointed in The Insured Person s nme nd on The Insured Person s ehlf with Our greement to t for The Insured Person in ordne with the terms of this Setion. 16 Resonle Prospets of Stisftory Outome Resonle Prospets of Stisftory Outome only exist if: The Insured Person is more likely thn not to sueed ssuming the se ws determined t tril or other finl hering t first instne nd where the likely dmges limed nd reovered y or ginst The Insured Person will exeed The Insured Person s own likely Legl Expenses or ny lwyer ppointed y Us or ny other lwyer ppointed on The Insured Person's ehlf would dvise resonle privte pying lient to proeed hving regrd to the prospets of suess nd tking into ount ll of the irumstnes of the Clim. 17 Txtion Proeedings HM Revenue & Customs (Full Enquiry) preprtion of douments nd representtion of You in respet of Full Enquiry investigtion y HM Revenue & Customs into Your tx ffirs. preprtion of douments nd representtion of You t n HM Revenue & Customs Commissioners Hering resulting from Full Enquiry. the ondut of n ppel ginst deision of the HM Revenue & Customs Commissioners resulting from Full Enquiry. provided tht: i investigtion y HM Revenue & Customs into Your tx ffirs is notified to Us t the time HM Revenue & Customs send written notifition to You or to Your ountnt expressing disstisftion with Your tx ffirs. ii sumission to the relevnt uthorities of Your ounts nd relted txtion omputtions hve not een or re not unduly delyed. 18 PAYE Investigtion exmintion t Your ple of usiness of PAYE reords with whih HM Revenue & Customs hve expressed disstisftion. d e investigtion nd preprtion prior to negotition nd representtion on Your ehlf. ttendne t meetings nd negotitions with HM Revenue & Customs on Your ehlf. representtion of You t n HM Revenue & Customs Commissioners Hering. representtion of You t n ppel ginst deision of the HM Revenue & Customs Commissioners following Hering. provided tht: dispute relting to PAYE regultions is notified to Us when, following PAYE exmintion, HM Revenue & Customs send written notifition to You or to Your ountnt expressing disstisftion. 69

72 19 VAT Deisions nd Penlties investigtion nd preprtion of douments prior to representtion of You t VAT Triunl or in rehing greement upon settlement with HM Revenue & Customs under the lol review proedure. preprtion of douments nd representtion of You t VAT Triunl for the purpose of ppeling ginst n ssessment or written deision or ivil penlty issued y HM Revenue & Customs. representtion of You t n ppel ginst VAT Triunl deision. provided tht: VAT ssessment or written deision or ivil penlty is notified to Us t the dte t whih HM Revenue & Customs send n ssessment or written deision or notie of ivil penlty to You or to Your ountnt in respet of VAT. 20 Self-Assessment Return Investigtion (Full Enquiry) Preprtion of douments nd representtion of You following the issue of Forml Notie under Setion 9A of the Txes Mngement At 1970 or Setion 12AC of the Txes Mngement At 1970 or S24 (1) Shedule 18 Finne At 1998 whih requires the exmintion of ll the usiness ooks or reords. 21 Witness Attendne Allowne The pyment of up to 100 per dy to You in respet of The Insured Person who is sent from work s result of his or her ttending s witness for You t hering, ourt, triunl or ritrtion within the Geogrphil Limits t the request of the Legl Representtive with Our written onsent, ut only in so fr s this is not otherwise reoverle from the relevnt hering, ourt, triunl or ritrtion. The mount tht We will py is sed on: if The Insured Person works prt time, the slry or wges will e proportion of The Insured Person s weekly slry or wges. 22 The Insured Person You nd, t Your request with Our greement, Your proprietors prtners nd diretors nd lso ll Employees ting in the norml ourse of their employment. 23 We/Us/Our Allinz Insurne pl trding s Allinz Legl Protetion. Limit of Indemnity The mximum mount We re lile to py under this Setion in respet of Any One Clim shll not exeed the mounts shown in the Shedule for eh Cover Event. Those mounts re olletively the limit of Indemnity nd re ll inlusive of Legl Expenses. Cover We gree to py up to the Limit of Indemnity nd on ehlf of The Insured Person, Legl Expenses, Awrds of Compenstion, Jury Servie Allowne nd Witness Attendne Allowne inurred y The Insured Person in the pursuit or defene of ny Clim rought within the Geogrphil Limits nd whih first ourred during the Period of Insurne nd flls within the Cover provided y the following Events shown s opertive in the Shedule. the time The Insured Person is off work inluding the time it tkes to trvel to nd from the hering, ourt, triunl or ritrtion. This will e lulted to the nerest hlf dy ssuming tht whole dy is eight hours. if The Insured Person works full time, the slry or wges for eh dy equls 1/250th of The Insured Person s nnul slry or wges. 70

73 Events 1 Contrt You hve over for the pursuit or defene of dispute with mnufturer or supplier or ustomer in respet of Contrt. Provided tht: the goods or servies in question re supplied in onnetion with The Business; nd the mount in dispute is more thn 5,000, other thn dispute where You re pursuing Clim in respet of the onstrution ltertion or repir of ny uilding, or prt of tht uilding, or struture when the mount in dispute must e more thn 25, Employment You hve over for: the defene of Your legl rights in dispute in n Employment Triunl with previous, present or prospetive Employee nd whih rises out of or reltes to ontrt of employment or reh of employment or disrimintion legisltion. Awrds of Compenstion. Provided tht: d You hve issued ll neessry doumenttion to n Employee s required y legisltion. You hve onsulted with nd then followed with due diligene the dvie nd proedures provided y the Lwphone Legl Helpline efore mking ny signifint vrition to n Employee s ontrt or tking ny tion whih might led to the giving of forml wrning to, or the dismissl of, n Employee. You hve onsulted with the Lwphone Legl Helpline immeditely You knew, or ought resonly to hve known, of ny use event or irumstne whih hs given or my give rise to Clim involving You. the inident giving rise to the Clim ours t lest 3 months fter the strt of the first Period of Insurne. This will not pply if You hd over whih is equivlent to tht provided under this Setion under nother legl expenses poliy up to the strt of the first Period of Insurne. 3 Txtion Proeedings You hve over for Txtion Proeedings. Provided tht the Txtion Proeedings rise out of The Business. 4 Criminl Proseution Defene The Insured Person hs over for the defene of riminl proseution. Provided tht the riminl proseution rises out of The Business. 5 Property You hve over for the pursuit of Your legl rights in dispute relting to: ny tul physil dmge to The Premises used y nother person or orgnistion resulting in proven finnil loss to You ny tul physil dmge to Your Stok nd All Other Property used y nother person or orgnistion resulting in proven finnil loss to You. Your tenny greement Provided tht: The Premises is the prinipl ple from whih You rry out The Business. the inident giving rise to the Clim ours t lest 3 months fter the strt of the first Period of Insurne. This will not pply if You hd over whih is equivlent to tht provided under this Setion under nother legl expenses poliy up to the strt of the first Period of Insurne. 6 Personl Injury The Insured Person hs over for the pursuit of his or her legl rights following n event whih uses The Insured Person s deth or odily injury. Provided tht the deth or odily injury rises out of The Business. 7 Jury Servie Allowne You hve over for Jury Servie Allowne. 71

74 Exlusions The Generl Exlusions pply to this Setion nd in ddition it does not over the following. 1 In respet of Event 1 Contrt You do not hve over for: n Exess of 500 in respet of eh Clim. l m ny dispute relting to Your legl right to own, oupy or use ny lnd or uilding or ny enefit or lleged enefit tthing to the lnd. ny dispute rising out of the mount pyle under n insurne poliy. 2 In respet of Event 2 Employment You do not hve over for: d e f g h i j k ny dispute whih ours within the first three months of the strt of the first Period of Insurne. This will not pply if You hd over whih is equivlent to tht provided under this setion under nother legl expenses poliy up to the strt of the first Period of Insurne. the reovery of money nd interest due from nother prty other thn dispute where the other prty hs indited n intention to defend the Clim nd suh prty hs relisti hne of defending the Clim. the pursuit or defene of ny lim rought y or ginst You used y or rising from or in reltion to professionl servies, dvie or speifition given y You or on Your ehlf. ny dispute rising from or s onsequene of ny reh or lleged reh of professionl duty or ny error or omission in ny dvie given y You or on Your ehlf. ny dispute where lim is rought ginst You used y or rising from the provision of goods or servies relting to the onstrution, ltertion or repir of ny uilding, or prt of tht uilding, or struture. ny dispute relting to omputer hrdwre, softwre, systems or servies. ny ritrtion unless wholly in ordne with the Aritrtion At Adjudition. ny dispute in respet of tenny, ssignment, ilment, ills of exhnge, redit nd seurities or gurntee. ny dispute relting to lese, liene or tenny of lnd or uildings other thn dispute with professionl dviser in onnetion with the drfting of lese, liene or tenny greement. d e n Exess of 500 in respet of eh Clim. Clim rising s result of Your filure to onsult with nd then follow with due diligene the dvie nd proedures provided y the Lwphone Legl Helpline efore mking ny signifint vrition to n Employee s ontrt or tking ny tion whih leds to the giving of forml wrning to, or the dismissl of, n Employee. dispute with n Employee who ws sujet to either written or verl wrning (forml or informl) in the 6 months immeditely preeding the first Period of Insurne. dispute whih neessittes the estlishment of trnsfer of employment under the Trnsfer of Undertkings (Protetion of Employment) Regultions 2006 or the Aquired Rights Diretive or reh or lleged reh, of either. dispute sed upon, rising from or in onsequene of ny industril dispute, industril or lour ritrtion or olletive rgining greements. 3 In respet of Event 3 Txtion Proeedings You do not hve over for: d e n Exess of 250 in respet of eh Clim. the tehnil or routine tretment of mtters not onneted with or rising out of n expression of disstisftion with Your tx ffirs. the preprtion of ounts or self ssessment returns. Txtion Proeedings whih rise out of delierte or rekless or reless missttements y You in returns or sumissions mde to the relevnt uthorities. Txtion Proeedings whih rise out of filure to mke urte, truthful nd up to dte sumissions of returns. 72

75 f Txtion Proeedings whih rise out of filure to oserve sttutory time limits or requirements. e dispute relting to the renewl of lese or tenny greement. g Txtion Proeedings whih rise solely from n investigtion of erlier ounts or reords. f dispute over the freehold or lesehold or ommonhold or title of the property. h the defene of ny riminl proseution. g Adjudition. i ny mtter hndled y the Ntionl Investigtion Servie of HM Revenue & Customs or n enquiry y HM Revenue & Customs under S60 VAT At h dispute with Government or lol uthority deprtments onerning the imposition of rtes or other lol txes. j ny mtter hndled y the Speil Compline Offie of HM Revenue & Customs or the Speil Investigtions Setion of HM Revenue & Customs. i dispute relting to the ownership, possession, hiring or use of irrft, wterrft, motor vehiles, trilers or rvns. k l ny Aspet enquiry y HM Revenue & Customs. ny IR 35 enquiry y HM Revenue & Customs. 4 In respet of Event 4 Criminl Proseution Defene The Insured Person does not hve over for: d e f n Exess of 100 in respet of eh Clim. the defene of proseution in respet of, or relted to, ny tul or lleged frud or theft or ny foreful or violent t. the defene of proseution whih reltes to the ownership, possession, hiring or use of irrft, wterrft, motor vehiles, trilers or rvns. the defene of proseution whih reltes to Txtion Proeedings. The defene of proseution whih reltes to pollution. ny osts wrded ginst The Insured Person y ourt of riminl jurisdition. 5 In respet of Event 5 Property You do not hve over for: n Exess of 100 in respet of eh Clim. 6 In respet of Event 6 Personl Injury The Insured Person does not hve over for disputes etween You nd The Insured Person. 7 Legl Expenses inurred without Our written onsent nd Awrds of Compenstion, Jury Servie Allowne or Witness Attendne Allowne inurred efore Our written Consent nd eptne of Clim. 8 A Clim whih does not rise from or relte to The Business, other thn Clim in respet of Jury Servie Allowne. 9 A Clim in respet of whih The Insured Person is, or ut for the existene of this Setion would e, entitled to n indemnity or ontriution under ny other poliy or ertifite of insurne exept for ny exess eyond the mount whih would hve een overed under suh other poliy or ertifite of insurne. 10 A Clim in respet of whih The Insured Person is entitled to Legl Aid. 11 A use, event or irumstne ourring prior to or existing t the ineption or on or fter the renewl of this Setion nd whih The Insured Person knew, or ought resonly to hve known, my give rise to Clim y or ginst The Insured Person. d dispute rising from the tul or lleged performne of, or filure to perform, in whole or in prt, n tul or lleged Contrt etween You nd third prty. dispute relting to mining or other susidene or heve. dispute relting to rent or servie hrges, tx, plnning or uilding regultions or deisions. 12 A Clim tht You fil to notify to Us within 6 months of the first ourrene of ny use, event or irumstne tht gives rise to the Clim. 13 A Clim rising out of delierte, onsious, intentionl or rekless t y The Insured Person or where The Insured Person hs shown wilful disregrd for the need to tke ll resonle steps to void, prevent nd limit ny suh Clim. 73

76 14 A Clim mde, rought or ommened outside of the Geogrphil Limits. 15 A Clim where in Our opinion there re no Resonle Prospets of Stisftory Outome. 16 Fines or other penlties imposed y ourt, triunl or regultor, inluding ny osts wrded ginst The Insured Person following riminl proeedings. 17 A dispute etween The Insured Person nd Us. 18 A dispute etween The Insured Person nd the Legl Representtive in respet of Clim under this Setion. 19 A Clim relting to dmge to goods in trnsit or goods lent or hired to third prties or goods t premises other thn The Premises. 20 A Clim rising from or relting to the opertion of frnhise or distriution greement. 21 A Clim rising from or relting to shreholding greement or prtnership greement or trust. 22 A Clim rising s result of n llegtion of liel or slnder. 23 A Clim relting to ptents, opyrights, trdemrks, merhndise mrks, registered designs or other intelletul property, reh of serey or onfidentility, restritive ovennts or pssing off tion. 24 A Clim rising from or relting to n pplition for judiil review or other hllenge to ny legisltion or proposed legisltion. 25 A Clim relting to ny non-ontrting prty s right to enfore ll or ny prt of this Setion. The Contrts (Rights of Third Prties) At 1999 does not pply to this Setion. 26 Defending The Insured Person in ny legl proeedings rising from: odily injury, illness, disese or deth, or loss, destrution or dmge to property, or lleged or tul reh of ny duty owed s diretor or offier of You. 27 Any VAT tthing to Legl Expenses inurred with Our onsent whih is reoverle y The Insured Person from elsewhere. Conditions The Generl Conditions of this Poliy pply to this Setion nd in ddition: A Generl Conditions 1 Aritrtion Any dispute etween The Insured Person nd Us onerning this Setion shll e referred to single ritrtor who will e either soliitor or rrister greed upon y the prties or filing greement one who is nominted y the President of the pproprite Lw Soiety or y the Chirmn of the Br Counil or pproprite professionl ody within the Geogrphil Limits. All the osts of the ritrtion shll e met in full y the prty ginst whom the deision is mde. If the deision is not lerly mde ginst one prty the ritrtor will hve the power to pportion osts. If the deision is mde in Our fvour, The Insured Person s osts will not e reoverle under this Setion. The deision will e finl nd inding upon oth The Insured Person nd Us nd nnot e the sujet of n ppel. 2 Mintenne of Reords It is ondition preedent to Our liility to provide Cover under this Setion tht You hve kept nd mintined resonle ooks nd reords. Where You re orporte orgnistion suh ooks nd reords must hve een kept in ordne with the Compnies Ats. 3 Dislosure of the Existene of this Setion The Insured Person or the Legl Representtive must not revel the existene of this Setion unless We hve given written Consent or re ordered to do so y ourt. 4 Assignment This Setion my not e ssigned y The Insured Person or y The Insured Person s exeutors or dministrtors. B Conditions for the Clims Proess 1 Notifition of Clim It is ondition preedent to Our liility to provide Cover under this Setion tht We re notified in writing y You y the ompletion of lim form immeditely You re, or should resonly hve een, wre of ny 74

77 use, event or irumstne whih hs given or my give rise to Clim involving The Insured Person. If You fil to notify Us within 6 months of the first ourrene of suh use, event or irumstne ny Clim rising from tht use, event or irumstne will not e epted. When suh notifition hs een given, We gree to tret ny susequent Clim in respet of the use, event or irumstne notified s though the Clim hd een mde, rought or ommened during the Period of Insurne. Importnt proedure for Employment Disputes If Clim Form (ET1) is reeived from n Employment Triunl You must immeditely omplete lim form nd forwrd it to Us, to rrive no lter thn 7 dys fter reeipt of the Clim Form (ET1). Response Form (ET3), whih should e left lnk, must lso e sent. 2 Consent It is ondition preedent to Our liility to provide Cover under this Setion tht onsent to inur Legl Expenses nd ept Clim in respet of Awrds of Compenstion, Jury Servie Allowne or Witness Attendne Allowne must first e otined in writing from Us ( Consent ). Consent will e given if The Insured Person n stisfy Us tht: there re Resonle Prospets of Stisftory Outome, nd in prtiulr se, it is resonle for Legl Expenses to e inurred nd/or Clim in respet of Awrds of Compenstion, Jury Servie Allowne or Witness Attendne Allowne e epted under this Setion. In rehing deision on whether or not to give Consent, We will seek the opinion of ny dvisers they feel it is neessry to onsult. We my require The Insured Person to otin n opinion from ounsel, t The Insured Person s expense, s to the merits of the Clim. If suh n opinion indites tht there re Resonle Prospets of Stisftory Outome the ost of the opinion will e pid y Us within the Limit of Indemnity for tht Clim. 3 Deling with the Clim If We grnt Consent Legl Representtive will e instruted nd will then t in ordne with Condition for the Clims Proess 8. We my withdrw Consent previously given t ny time if fts eome known whih would men tht prtiulr Clim would not hve een epted under the terms of this Setion or if there re no longer Resonle Prospets of Stisftory Outome. Provided there hs een full ompline with the Setion terms We gree to indemnify The Insured Person in respet of Legl Expenses inurred up to the dte when We notified The Insured Person tht Consent hd een withdrwn. If The Insured Person deides to proeed with the pursuit or defene of Clim to whih We hve refused to give Consent nd is susequently suessful We will py Legl Expenses s if We hd given Consent t the outset. 4 Your Duty to Minimise Clims In respet of ny Clim for whih Consent hs een grnted under the Setion The Insured Person must use est endevours nd tke ll resonle mesures to minimise the ost nd effet of ny Clim under this Setion. If The Insured Person fils to omply with this requirement then We will hve the right to djust Our liility under this Setion to the extent tht Clim would hve ost Us hd The Insured Person omplied. 5 Our Right to Settle Clims We shll hve the right to tke over nd ondut in the nme of The Insured Person ny Clim t ny time nd n settle ny Clim on ehlf of The Insured Person on suh terms s We deem pproprite. 6 Insolveny of The Insured Person If during the ourse of ny Clim to whih We hve given support, We hve the right to withdrw tht support immeditely if The Insured Person; eomes insolvent (or ommits n t of insolveny or nkrupty), or In ll ses The Insured Person will e dvised in writing of the grnting or refusl of Consent. enters into liquidtion, or mkes n rrngement with reditors, or 75

78 d e f enters into deed of rrngement, or hs prt or ll of his ffirs ssets or property pled in the re or ontrol of reeiver or liquidtor, or hs n dministrtion order over his ffirs ssets or property. 7 Appel Proedure If following legl proeedings to whih We hve given Consent, The Insured Person wishes to ppel ginst the judgment or deision of ourt or triunl it is ondition preedent to Our liility to provide over under this Setion tht, the grounds of suh ppel must e sumitted to Us in good time nd y seure mens so tht We my onsider whether there re Resonle Prospets of Stisftory Outome in respet of the ppel nd if so whether to Consent to suh further tion. We will inform The Insured Person nd the Legl Representtive of Our deision. If We require it, The Insured Person will o-operte fully in n ppel ginst the judgment or deision of ourt or triunl. 8 Legl Proeedings Freedom to hoose Legl Representtive For ny Clim where We my e lile to py Awrds of Compenstion under Event 2 Employment We will hoose the Legl Representtive. For ny other Clim We will hoose the Legl Representtive t ny time efore We gree tht legl proeedings need to e issued or defended. The Insured Person n only hoose Legl Representtive if We gree tht legl proeedings need to e issued or defended or if onflit of interest rises whih mens tht the Legl Representtive originlly hosen y Us nnot t for The Insured Person. The Insured Person must send the nme nd ddress of The Insured Person's hosen Legl Representtive to Us. If We gree to ppoint Legl Representtive tht The Insured Person hooses, tht Legl Representtive will e ppointed on the sme terms s We would hve ppointed Our hosen Legl Representtive. In respet of ny Clim for whih We hve grnted Consent, the Legl Representtive will e ppointed in the nme of nd on ehlf of The Insured Person to t for The Insured Person in ordne with the terms of this Setion. d In greeing to the seletion of Legl Representtive The Insured Person will omply with Clims Proess Condition 4. Our liility to provide Cover under this Setion will ese immeditely with no liility to indemnify The Insured Person in ny respet unless in Our solute disretion We gree to nother Legl Representtive eing ppointed to ontinue ting for The Insured Person under the terms of this Setion, if: i due to ny unresonle ondut or filure to t y The Insured Person, the Legl Representtive resonly refuses to ontinue ting for The Insured Person, or ii The Insured Person unresonly dismisses the Legl Representtive without Our greement. Dislosures to the Legl Representtive It is ondition preedent to Our liility to provide over under this Setion tht the Insured Person must give the Legl Representtive ll possile help nd informtion inluding omplete nd truthful ount of the fts of the se nd ll relevnt doumentry or other evidene in The Insured Person s possession. The Insured Person must provide, otin or exeute ll douments s neessry nd ttend meetings or onferenes s requested. Aess to Informtion We re entitled to reeive from the Legl Representtive ny informtion, doument or dvie in onnetion with ny Clim, even if privileged. On request The Insured Person will give to the Legl Representtive ny instrutions neessry to seure the required ess. Oligtions of The Insured Person nd Legl Representtive in reltion to ny Clim. It is ondition preedent to Our liility to provide over under this Setion tht: i The Insured Person nd on their ehlf the Legl Representtive immeditely notify Us in writing of ny informtion s soon s it is reeived whih my ffet Our opinion on the Resonle Prospets of Stisftory Outome of the Clim. ii The Insured Person nd on their ehlf the Legl Representtive inform Us in writing s soon s ny offer to settle lim is reeived or mde or n offer of pyment into Court is reeived. The 76

79 e iii Insured Person or the Legl Representtive will under no irumstnes enter into ny greement to settle without Our prior written Consent. If, in Our opinion, The Insured Person unresonly withholds greement to settle, Cover under this Setion will ese immeditely. We gree to indemnify The Insured Person in respet of Legl Expenses inurred up to the dte when Cover esed. The Insured Person nd on their ehlf the Legl Representtive will report in writing the result of the Clim to Us when it is finished. Pyment of Legl Representtive s Bills We shll hve the right to settle Legl Expenses t the onlusion of Clim. The Insured Person should forwrd ll ills whih re reeived from the Legl Representtive relting to the Clim to Us without dely following onlusion of the Clim. If We require The Insured Person must sk the Legl Representtive to sumit the ill of osts for udit or ssessment y the pproprite ourt or, t Our disretion, lw osts drughtsmn or other ompetent prty. The Insured Person is responsile for the pyment of ll Legl Expenses. We my settle these diret if requested y The Insured Person to do so. g h i Condut of the Clim It is ondition preedent to Our ontinuing liility to provide Cover under this Setion tht The Insured Person: i does not unresonly withdrw from Clim or dismiss the Legl Representtive without Our greement; ii o-opertes fully with the Legl Representtive or Us in the ondut of the Clim; iii follows the dvie of the Legl Representtive. If The Insured Person fils to omply with either i, ii or iii then Our liility to provide Cover under this Setion will ese immeditely nd We will not e responsile for the pyment of Legl Expenses nd will e entitled to reimursement of ll Legl Expenses lredy inurred in respet of the Clim. Awrd of Costs Where The Insured Person is wrded osts, it is ondition preedent to Our liility to provide over under this Setion tht the Insured Person nd the Legl Representtive must tke every resonle step to reover Legl Expenses whih would e or hve een sujet to pyment under this Setion. All suh reoveries will e tken into ount when lulting Our liility under this Setion. Alterntive Dispute Resolution The pyment of some Legl Expenses does not imply tht ll Legl Expenses will e pid. The Insured Person must not, without Our written Consent, enter into ny greement with the Legl Representtive s to the sis of lultion of Legl Expenses. When, in Our opinion, lterntive dispute resolution would pper to provide more effetive method of resolving ny Clim, We my request tht The Insured Person grees to sumit suh Clim to professionl dispute resolution servie, to e seleted y Us. f Instrution of Counsel If, during the ourse of ny Clim (other thn where Conditions for the Clims Proess 2 pplies), The Insured Person or the Legl Representtive onsiders it neessry nd wishes to instrut ounsel, ounsel s nme must first e sumitted to Us for Consent to the proposed instrution. Filure to do so will result in Us not pying ounsel's fees inurred prior to Our pprovl. In onsidering lterntive dispute resolution The Insured Person will omply with Condition for Clims Proess 4 nd will not therefore unresonly withhold Consent. 77

80 Notifying Clim under this Setion If You need to mke Clim under this Setion, You should ll Lwphone Legl Helpline on nd quote Mster Poliy numer You will e sked for rief summry of the prolem nd these detils will e pssed on to n dviser who will ll You k. We will send You lim form. You should fill in the lim form nd return it to Us without dely t the ddress shown elow, together with pyment in the form of heque mde out to Allinz Legl Protetion for the Exess due in respet of the Clim. We will ontt You one the lim form nd Exess pyment hve een reeived. Plese note tht for ll lims mde under this Setion, You must not ppoint soliitor. If You hve lredy seen soliitor efore We hve epted Your lim, We will not py ny fees or other expenses tht You hve inurred. If Your lim is overed, We will ppoint the Legl Representtive tht We hve greed to in Your nme nd on Your ehlf, sujet to the terms nd onditions of Your Poliy over. We will only strt to over Your Costs or Legl Expenses from the time We hve epted the lim nd ppointed the Legl Representtive. Communitions All noties nd ommunitions from Us or Our representtives to The Insured Person will e deemed to hve een duly sent if sent to The Insured Person s lst known ddress; or, in reltion to ny mtters rising out of ny Clim, if sent to the Legl Representtive. All noties nd ommunition from The Insured Person to Us should e sent to: Allinz Legl Protetion 2530 The Qudrnt Azte West Almondsury Bristol BS32 4AW Phone:

81 Setion 15 Diretors & Offiers Definitions the sle of ll or the mjority of the Poliyholder's ssets to ny person or ompny ting lone or in onert; or Approved Person Any nturl person employed y ny Compny to whom the Prudentil Regultion Authority (PRA) or Finnil Condut Authority (FCA) hs given its pprovl, pursunt to Setion 59 of the Finnil Servies nd Mrkets At 2000 (or ny re-entment thereof), to perform for suh Compny one or more of those ontrolled funtions whih were or re designted y the Prudentil Regultion Authority (PRA) or Finnil Condut Authority (FCA) s signifint influene funtions, or the equivlent of ny suh position in ny other jurisdition. Aknowledged Insured vs. Insured Clim Any Clim: rought or mintined y n Insured Person lleging n Employment Prtie Wrongful At; rought or mintined y n insolveny prtitioner or the equivlent in ny other jurisdition diretly or derivtively without the soliittion, voluntry ssistne prtiiption or o-opertion of ny Insured Person or ny Outside Entity s diretors or offiers unless leglly ompelled to do so; rought or mintined y n Insured Person for ontriution or indemnity if the Clim diretly results from nother Clim overed under this Setion; d ny person or ompny ting lone or in onert: i quiring ownership or ontrol or ssuming ontrol pursunt to written greement with other shreholders of more thn 50% of the voting rights in the Poliyholder nd/or more thn 50% of the outstnding Seurities representing the present right to vote for the eletion of the ord of diretors of the Poliyholder nd/or ssuming the right to ppoint or remove the mjority of the ord of diretors (or equivlent position) of the Poliyholder; or ii quiring the right to reeive 50% or more of the inome of the Poliyholder on distriution y ompny of ll its inome or mjority of its ssets on winding-up. Clim The erliest of ny: written demnd ginst n Insured Person for Wrongful At; ivil or riminl proeedings (inluding ut not limited to ny Mnslughter Allegtion or Extrdition Proeedings) ginst n Insured Person for Wrongful At; or forml dministrtive proeedings or Investigtion onerning the Wrongful At of n Insured Person. d rought or mintined y wy of shreholder derivtive tion on ehlf of Compny or Outside Entity, whih is rought without the soliittion, voluntry ssistne, prtiiption or o-opertion of ny Insured Person or ny Outside Entity s diretors or offiers unless leglly ompelled to do so; Compny The Poliyholder or ny Susidiry thereof. Crisis Communition Consultnt Any one of the following pnel ompnies: e rought or mintined y Pst Insured Person; Hill nd Knowlton; f g rought or mintined y n Insured Person ting pursunt to Whistlelowing Legisltion; or for the sole purpose of enforing ginst suh Insured Person judgement from nother jurisdition. Chnge of Control the Poliyholder's merger with or onsolidtion into ny other ompny; mngement uy out; CNC; or Brunswik whih is seleted nd ppointed y the Poliyholder. Alterntively, the Poliyholder my, with the prior written onsent of Ourselves, selet nd ppoint ny other ompny. Dedutile The mount speified s suh in the Shedule. 79

82 Defene Costs All resonle fees, osts nd legl expenses (inluding disursements) inurred y or on ehlf of the Insured Person in the investigtion, defene or settlement of the Clim nd ppel thereof; either i with the prior written onsent of Ourselves; or, ii where it hs not een prtile to otin Our prior written onsent of, suh osts my e inurred up to mximum ggregte mount of 10% of the Limit of Liility (eing prt of nd not in ddition to the Limit of Liility) provided tht suh osts re inurred resonly nd neessrily; the resonle premium for finnil instrument (inluding ut not limited to ond), ut not ollterl for the instrument, tht gurntees for period not exeeding 12 months the Insured Person s ontingent oligtion for speified mount if required y Court. Defene Costs shll not inlude remunertion, time, expenses or ny other ssoited enefit or overhed of ny Insured Person nd/or ny Compny. Disovery Period The period (s set out in the Disovery Period Extension) ommening immeditely fter the expiry dte of the Period of Insurne, during whih written notie my e given to Ourselves of Clim first mde during suh period or the Period of Insurne for Wrongful At tht ourred prior to the expiry dte of the Period of Insurne. Employment Prtie Wrongful At Any tul or lleged: violtion of employment lw or regultion or ny other legl provision relting to the pst, present or future employment of n individul with the Compny. Extrdition Proeedings Proeedings ginst the Insured Person following request for deporttion, extrdition or rrest wrrnt (inluding n ppel or seprte proeedings to overturn n extrdition order). Finnil Institution Any nk inluding ny merhnt or investment nk, finne ompny, hedge fund, insurne or reinsurne ompny, mortgge nk, svings nd lon ssoition, uilding soiety, redit union, stok roker, investment trust, sset mngement ompny, fund mnger, or ny entity estlished priniplly for the purposes of rrying on ommodities, futures or foreign exhnge trding, finnil servies or ny other similr entity. Insured Person Any nturl person who ws/is or during the Period of Insurne eomes: diretor, offier Non-Exeutive Diretor or de fto diretor of ny Compny or ny Approved Person or the equivlent in ny other jurisdition; d e f g diretor, offier or employee of ny Compny nd who y virtue of suh position is Shdow Diretor s defined in setion 251 of the Compnies At 2006 (or ny re-entment thereof or the equivlent legisltion in ny other jurisdition) of ompny; ny Outside Entity Diretor following the exhustion of ny: i indemnifition provided y the Outside Entity; nd ii other olletile diretors nd offiers or mngement liility over issued to the Outside Entity tht protets the Outside Entity Diretor; diretor, offier or employee of ny Compny who is ompline ommittee memer ppointed y Compny; prospetive diretor or offier in ny listing prtiulrs, prospetus, irulr or similr doument issued y ny Compny; n employee of ny Compny whilst ting in mngeril or supervisory pity for the Compny; n employee of ny Compny to the extent tht the employee is: i nmed s defendnt in onnetion with n Employment Prtie Wrongful At; ii joined s prty to ny tion ginst ny person defined in ) to f) ove. Insured Person shll lso inlude: h the lwful spouse or ivil prtner (s defined in the Civil Prtnership At 2004 or ny re-entment thereof or the equivlent legisltion in ny other jurisdition) of ny person set out in ) to g) rising out of Wrongful At of suh person nd where reovery is sought solely euse joint property is held or owned y or on ehlf of the spouse or ivil prtner; nd i legl representtives, heirs, ssigns or esttes of ny person set out in ) to g) ove in the event of their deth, inpity, insolveny or nkrupty where reovery is sought solely euse of Wrongful At of suh person. Insured Person shll not inlude insolveny prtitioners or externl uditors. 80

83 Investigtion Any forml or offiil hering, investigtion or inquiry y governmentl, regultory or judiil geny into the ffirs of Compny, n Outside Entity or n Insured Person in their pity s suh, if n Insured Person reeives written doumenttion during the Period of Insurne or Disovery Period: tht leglly requires suh Insured Person to ttend suh hering, investigtion or inquiry; or in whih the Insured Person is identified y n investigting uthority s sujet of suh hering, investigtion or inquiry. An Investigtion shll e deemed to e first mde when the Insured Person is first so required or identified. Investigtion shll not inlude routine regultory supervision, inspetion or ompline reviews or ny investigtion whih fouses on n industry rther thn Compny, Outside Entity or Insured Person in their pity s suh. Investigtion Costs All resonle fees, osts nd legl expenses (exept remunertion, time, expenses or ny other ssoited enefit or overhed of ny Insured Person nd/or the osts or overheds of ny Compny) inurred y or on ehlf of n Insured Person to protet their interests with Our prior written onsent whih shll not e unresonly withheld or delyed. Limit of Liility The mount speified s suh in the Shedule. Loss Any: Amounts whih the Insured Person is leglly lile to py for Wrongful At (inluding settlements, wrds of dmges, wrds of punitive nd exemplry dmges, pre nd post- judgment interest on overed judgment or wrd, or wrds of osts). Defene Costs inurred s result of Clim for Wrongful At Enforeility of pyment for punitive, exemplry nd the multiplied portion of multiple dmges shll e governed y the pplile lw tht most fvours overge for suh dmges. With respet to ivil fines nd penlties imposed in reltion to the Briery At 2010 or Setion 78ff () (2) (B) or Setion 1 78dd 2(g) (2) (B) of the Foreign Corrupt Prties At, or similr legisltion in ny other jurisdition su-limit of 1,000,000 in the ggregte will pply (suh su-limit eing prt of nd not pyle in ddition to the Setion Limit of Liility). Loss shll not inlude: riminl fines nd riminl penlties; d e f remunertion or employment relted enefits; ny sum pursunt to finnil support diretion or ontriution notie y the Pensions Regultor; txes other thn to the extent tht personl liility of diretor under Cover A for non-pyment of orporte txes is estlished y lw in the jurisdition in whih the Clim is mde nd suh liility onstitutes Non- Indemnifile Loss; ny mounts whih my e deemed uninsurle under the lw pplile to this Setion or in the jurisdition in whih the Clim is rought other thn in respet of mounts whih re punitive, exemplry or the multiplied portion of multiple dmges s speified ove; punitive or exemplry dmges wrded for n Employment Prtie Wrongful At; Mnslughter Allegtion Proeedings ginst n Insured Person for n offene under the Corporte Mnslughter nd Corporte Homiide At 2007 or for reh of the Helth nd Sfety t Work At 1974 (or ny re-entment thereof or the equivlent legisltion in ny other jurisdition). Non-Exeutive Diretor Any nturl person who serves s Non-Exeutive diretor of the Poliyholder t the ineption dte of the Period of Insurne. Non-Exeutive Additionl Amount 250,000. This exess ggregte mount for eh Non-Exeutive Diretor is in ddition to the Limit of Liility. Non-Indemnifile Loss Loss in respet of whih Compny is not le to indemnify n Insured Person due to legl or regultory prohiition under ny sttutory lw, odified lw or ommon lw; or in respet of whih Compny is unle to indemnify due to insolveny. 81

84 Outside Entity Any orgnistion, ssoition joint venture or ompny other thn: Compny; n orgnistion, ssoition or ompny tht hs level II or III Amerin Depositry Reeipt Progrmme or is diretly listed on n exhnge in the United Sttes of Ameri; finnil institution inluding ny nk, lering house, depository institution, investment firm, investment dvisor, investment mnger, investment fund, stok roker, mortgge roker, redit institute, sset mnger, privte equity or venture pitl ompny, insurne ompny or similr ompny unless dded y Cluse issued y Ourselves. Outside Entity Diretor An employee, diretor, offier, trustee, governor or equivlent of Compny who, t the speifi request of tht Compny, holds the position of diretor, offier, trustee, governor or equivlent of n Outside Entity. Pst Insured Person An Insured Person who hs retired from or voluntrily esed to hold suh offie prior to the expiry dte of the Period of Insurne other thn disqulified individul or where diretly relted to Chnge of Control. Poliyholder The entity speified s 'The Insured' in the Shedule Post-lim Reputtionl Costs All resonle fees, osts nd expenses for the professionl dvie of Crisis Communition Consultnt inurred y n Insured Person to mitigte the dverse effet on tht Insured Person s reputtion from overed Clim first mde during the Period of Insurne or the Disovery Period, if pplile, for Wrongful At, y disseminting findings mde in finl judiil disposition of tht lim in the Insured Person s fvour. Prior/Pending Litigtion Dte The dte speified s suh in the Shedule. Relted Clim Any nd ll Clims nd/or Investigtions nd or Self Report Investigtions (whether mde or ommened efore, during or fter the Period of Insurne) rising out of, sed upon or ttriutle to the sme soure or use. Reputtionl Crisis Costs All resonle fees, osts nd expenses for the professionl dvie of Crisis Communition Consultnt inurred y n Insured Person to mitigte the dverse effet on tht Insured Person s reputtion diretly in onnetion with ny irumstne tht ould resonly led to overed Clim ginst n Insured Person for Wrongful At, nd ny Clim or ny Extrdition Proeedings rought ginst suh Insured Person. Seurities Any finnil or investment instrument issued y Compny whih denotes n ownership interest nd provides evidene of det, right to shre in the ernings of suh ompny, or right in the distriution of property. Self Report The tul report to ny governmentl, regultory or judiil geny y ny Insured Person or Compny pursunt to n oligtion to inform suh geny of mtters giving rise to tul or potentil regultory issues, where filure to give suh notifition or dely in notifying, n itself give rise to enforement onsequenes. Self Report Investigtion An internl investigtion y or on ehlf of the Compny or n Outside Entity into the ffirs of Compny, n Outside Entity or n Insured Person in their pity s suh in response to diret regultory, judiil or governmentl request following Self Report, if n Insured Person during the Period of Insurne or Disovery Period is first required to ttend suh investigtion or first eomes wre tht they re the sujet of suh investigtion. A Self Report Investigtion shll e deemed to e first mde when the Insured Person is first so required or eomes wre. Susidiry Any entity or joint venture where the Poliyholder ontrol either diretly or indiretly through one or more other entities on or efore the ineption dte of this Setion either; the omposition of the ord of diretors or more thn hlf of shreholder voting power or shre pitl. We shll only e lile for Loss in respet of Wrongful At whilst suh entity or joint venture is Susidiry. 82

85 United Sttes of Ameri The United Sttes of Ameri its territories nd possessions nd/or ny stte or politil sudivision thereof. Whistlelowing Legisltion The Puli Interest Dislosure At 1998 (or ny reentment thereof or the equivlent legisltion in ny other jurisdition). Wrongful At Any tul or lleged misrepresenttion, missttement, misleding sttement, error, omission, defmtion, negligene, reh of wrrnty of uthority, reh of fiduiry duty, Employment Prtie Wrongful At or ny other t, inluding with respet to shreholder derivtive tions only, ny proposed t; nd ny violtion of the Compnies At 2006 (or ny reentment thereof or the equivlent legisltion in ny other jurisdition) ny violtion of the Briery At 2010 (or ny reentment thereof or the equivlent legisltion in ny other jurisdition) y the Insured Person ting in their pity s suh or ny mtter limed ginst the Insured Person solely euse of suh pity. Cover The over under this Setion is fforded solely with respet to ny Clim first mde during the Period of Insurne (or Disovery Period, if pplile) nd notified to Ourselves in ordne with the Clim Notifition Condition. A Diretors & Offiers Cover We shll py to or on ehlf of n Insured Person ny Loss resulting from Clim. B Compny Reimursement Cover We shll py to or on ehlf of Compny ny Loss resulting from Clim to the extent tht suh Compny hs indemnified or greed to indemnify n Insured Person in respet of suh Loss. C Non-Exeutive Diretor Cover We shll py to or on ehlf of Non-Exeutive Diretor ny Loss resulting from Clim up to the Non- Exeutive Additionl Amount ut only fter exhustion of: i the Limit of Liility; ii ll other olletile diretors nd offiers or mngement liility overs whether written exess of the Limit of Liility or otherwise; nd iii ll other indemnifition for suh Loss ville from ny other soure. The Non-Exeutive Additionl Amount is n ggregte mount for eh Non-Exeutive Diretor nd is in ddition to the Limit of Liility D Investigtion Additionl Cover We shll py to or on ehlf of n Insured Person (or Compny to the extent tht suh Compny hs indemnified n Insured Person) ny Investigtion Costs rising out of the Insured Person s preprtion for or ttendne t: i the hering of n Investigtion prior to the identifition of Wrongful At; or ii Self Report Investigtion. 83

86 Limit of Liility The Limit of Liility is the ggregte limit of Our liility for the Period of Insurne nd Disovery Period in respet of ll Loss nd Investigtion Costs overed y the provisions of this Setion nd pyle for ll insurne overs nd extensions regrdless of the numer of lims for indemnity under this Setion nd/or the numer of Insured Persons who my lim nd/or the numer of Covers under whih suh lims my e mde. The Non-Exeutive Additionl Amount shll pply in the mnner set out in Cover C. The Non-Exeutive Additionl Amount is n ggregte mount for eh Non-Exeutive Diretor. The Non-Exeutive Additionl Amount is seprte nd in ddition to the Limit of Liility. The Limit of Liility shll pply fter the pplition of ny pplile Dedutile. Extensions The following extensions to the Cover re fforded solely with respet to ny Clim first mde during the Period of Insurne (or Disovery Period, if pplile) nd notified to Ourselves in ordne with the Clim Notifition Condition, nd re lso sujet to the generl Limits, Conditions nd Exlusions of this Setion nd the Poliy. 1 Automti New Susidiry Cover If n entity eomes Susidiry during the Period of Insurne, suh entity shll e overed under this Setion s suh with effet from the dte on whih it eme Susidiry unless suh entity hs: totl ssets tht exeed 50% of the Poliyholder's totl ssets, nd/or; ny of its Seurities listed on ny exhnge; Finnil Institution. The Compny shll provide Us with full informtion in respet of suh entity nd py n dditionl premium nd gree ny mendment to the provisions requested y Ourselves to otin over s Susidiry for suh legl entity, provided tht We shll not in ny event e required to provide suh over unless it so deides in its sole disretion. We shll only e lile for Loss in respet of Wrongful At or ondut whilst suh legl entity is Susidiry. 2 Mngement uy-out Following mngement uy-out of ny Susidiry nd upon written instrution from the Poliyholder prior to suh event, this Setion shll ontinue to provide over for Wrongful At ommitted fter suh uy-out for period of 45 dys sujet to the Period of Insurne. 3 Disovery Period In the event tht this Setion is neither renewed nor repled with diretors nd offiers or mngement liility over, then the Poliyholder shll hve the right to Disovery Period of: 30 dys utomtilly nd t no dditionl premium; or 12 months t n dditionl premium of 100% of the full nnul premium pplile t the expiry dte of the Poliy, provided tht the Poliyholder give Us written notie of the eletion of the Disovery Period nd pys the dditionl premium required to Ourselves within 30 dys of the expiry dte of the Period of Insurne. There shll e no right to Disovery Period in the event of Chnge of Control or where We hve delined to renew this Setion due to non-pyment of premium. While this Setion does not offer the right to Disovery Period if there is Chnge of Control, We my, t its sole disretion, quote for run-off Disovery Period of up to 72 months upon the written request of the Poliyholder. In onsidering suh request, We shll e entitled to underwrite the exposure nd to extend n offer on whtever terms, onditions nd limittions We deem pproprite. 4 Pst Insured Person We shll py to or on ehlf of Pst Insured Person: ny Loss rising from ny Clim first mde ginst suh Pst Insured Person following the expiry dte of the Period of Insurne for Wrongful At ommitted efore the dte tht they voluntrily relinquished suh position; or ny Investigtion Costs in onnetion with ny Investigtion or Self Report Investigtion first mde ginst suh Pst Insured Person following the expiry dte of the Period of Insurne, provided suh mtters re notified to Ourselves s soon s prtile nd provided tht this Setion is not renewed or repled with ny other poliy ffording diretors nd offiers or mngement liility over to suh Pst Insured Person. 84

87 5 Reputtionl Crisis Costs If during the Period of Insurne the Poliyholder or n Insured Person first eomes wre of: Clim for Wrongful At; or irumstnes whih re resonly expeted to give rise to Clim for Wrongful At; or ny Investigtion in to the offering nd trding of the Seurities of ny Compny then provided tht written notie is given of suh mtters in ordne with terms nd onditions of this Setion, We will py Reputtionl Crisis Costs nd Post-lim Reputtionl Crisis Costs. It is ondition of the Insured Persons right to reover suh mounts hereunder tht written notie must e given to Ourselves within 3 working dys fter the ppointment of the seleted Crisis Communition Consultnt. Cover under this Extension is limited to 5,000 per irumstne or where more thn one Insured Person is nmed in the Clim or irumstne, 5,000 per Insured Person. However, in no event shll the over under this Extension exeed 50,000 in the ggregte during the Period of Insurne, suh mount eing prt of the Limit of Liility. Crisis Communition Consultnt pnel ompnies (nd not Ourselves) will during the Period of Insurne, upon reeipt of written request from the Poliyholder, offer t no dditionl hrge: i one privte risis ommunition riefing session for the enefit of diretor exeutive offiers nd invited employees of the Poliyholder, 6 Compny Entity Cover The following Cover is dded to this Setion where speified in the Shedule s eing Insured : Cover E Compny Entity Cover i We will py to or on ehlf of the Compny ll Loss resulting from Clim ginst the Compny. ii We will py to or on ehlf of the Compny ll Investigtion Costs in respet of n Investigtion under the Helth nd Sfety t Work At iii We will py to or on ehlf of the Compny ll Investigtion Costs in respet of n Investigtion under the Corporte Mnslughter nd Corporte Homiide At Provided tht Our ggregte liility under this Cover E for the Period of Insurne nd Disovery Period in respet of ll Loss nd Investigtion Costs overed y the provisions of this Cover E regrdless of the numer of lims for indemnity under this Cover E nd/or the numer of entities who my lim shll not exeed su-limit of 500,000 or 50% of the Setion Limit of Liility (suh su-limit eing prt of nd not pyle in ddition to the Setion Limit of Liility) whihever is the lower A Dedutile of 5,000 will pply in respet of eh nd every Clim under this Cover E, provided lwys tht this Dedutile will not pply to ny Clim whih is suessfully defended ii written mnul overing ore risis ommunition issues The servies of Crisis Communition Consultnt referred to in this Extension re provided to n Insured Person y the Crisis Communition Consultnt diretly, s its lient, without the supervision of Ourselves. Aordingly We nnot nd does not mke ny wrrnties, gurnties or representtions with respet to ny suh servies or ny filure to provide the sme; nd We shll hve no liility for ts, errors or omissions of ny Crisis Communition Consultnt or otherwise for dmges from the use of, or inility to use ny suh servies. 85

88 Definitions The following Definition is mended for the purpose of Cover E only: Insured Person shll inlude the Compny. The following Definition is dded to this Setion for the purpose of Cover E only: Pollutnts Any sustne, solid, liquid, gseous, iologil, rdiologil or therml irritnt, toxi or hzrdous sustne, or ontminnt inluding ut not limited to sestos or sestos produts, myot or y-produts, led or led ontining produts, smoke, vpours, dust, fires, mould, spores, fungi, germs, soot, fumes, ids, lklis, hemils, ir emissions, odour, wste wter, oil, oil produts, medil wste, nd wste mterils. Wste mterils inlude ut re not limited to reyled, reonditioned or relimed nuler mterils. The following Definition is deleted nd repled y the following for the purpose of Cover E only: Wrongful At Any tul or lleged missttement, misleding sttement, error, omission, negligene, reh of trust or reh of duty y the Compny, ut not inluding ny Employment Prtie Wrongful At. Exlusions The following Exlusions re dded to the Setion Exlusions of this Setion for the purposes of Cover E only: We shll not e lile for ny Loss or ny Investigtion Costs: 1 Compny Entity Cover - Competition & Restrint of Trde rising out of, sed upon, or ttriutle to violtion of ny lw, rule or regultion relting to ompetition, tivities in restrint of trde, or deeptive ts nd prties in trde nd ommere. 2 Compny Entity Cover - Seurities rising out of, sed upon, or ttriutle to the tul or intended privte plement or puli offering of ny Seurities during the Period of Insurne. 3 Compny Entity Cover - Professionl Servies for the performne or filure to perform professionl servies for ny person or ny t, error or omission relting thereto. 4 Compny Entity Cover - Ptent Copyright rising out of, sed upon, or ttriutle to ny tul or lleged infringement, mispproprition or violtion of ny opyright, ptent, trde mrks, servie mrks, trde serets, title or other proprietry or liensing rights or intelletul property of ny produts, tehnologies or servies. 5 Compny Entity Cover - Contrtul Liility rising out of, sed upon, or ttriutle to ny tul or lleged ontrtul liility ssumed y the Compny under ny ontrt or greement; provided tht this Exlusion shll not pply to Defene Costs for Clim rought ginst the Compny. 6 Compny Entity Cover - Pollutnts rising out of, sed upon, or ttriutle to Pollutnts; provided tht this Exlusion shll not pply to: ny Clim ginst the Compny instigted y ny shreholder or group of shreholders of the Compny diretly or in the nme of the Compny without the soliittion, voluntry ssistne or prtiiption of ny Insured Person. 86

89 7 Compny Entity Cover - Pension Sheme rising out of, sed upon or ttriutle to ny Clim ginst ny Compny relting to ny trust fund, pension sheme, profit-shring sheme or employee enefit sheme of ny Compny or ny Outside Entity. 8 Compny Entity Cover - Clims rising out of, sed upon, or ttriutle to ny Clim rought or mintined y or on ehlf of ny Compny. 9 Compny Entity Cover - Employment Prtie Wrongful At rising out of, sed upon, or ttriutle to ny Clim ginst the Compny for n Employment Prtie Wrongful At. The following Exlusions shll pply to Cover E i) only: 10 Compny Entity Cover - Bodily Injury nd Property Dmge for odily injury, sikness, mentl nguish or emotionl distress or disturne, disese or deth of ny person howsoever used, or dmge to or loss of or destrution of ny tngile property inluding loss of use thereof. 11 Compny Entity Cover - Produts rising out of, sed upon, or ttriutle to the effiieny, ineffiieny, performne or lk of performne, defet, or non-ompline with helth nd sfety stndrds of ny produts, tehnologies or servies mnuftured, produed, proessed, pkged, sold mrketed, distriuted, dvertised nd/or developed y the Compny. Setion Exlusions The Generl Exlusions of this Poliy pply to this Setion nd in ddition it does not over ny Loss or ny Investigtion Costs for: 1 Behviour rising out of, sed upon or ttriutle to: the ommitting of dishonest or frudulent t; or This Exlusion shll only pply to n Insured Person if suh ehviour is estlished y: i finl deision of ourt, triunl or regultor in the underlying proeedings; or ii written dmission of the Insured Person. 2 Prior Clims/Cirumstnes rising out of, sed upon or ttriutle to: ny Clim, Investigtion or Self Report Investigtion first mde or ommened prior to the ineption dte of this Setion inluding ny Relted Clim thereto irrespetive of when it rises; or irumstnes whih hve een notified under ny other poliy or ertifite of insurne providing mngement liility over nd whih tthes prior to the ineption dte of this Setion. 3 Prior nd Pending Litigtion rising out of, sed upon, or ttriutle to: ny legl or ritrl proeeding involving ny Compny or Outside Entity or ny Insured Person initited prior to, or pending t the Prior/Pending Litigtion Dte; or ny ft, irumstne, sitution, trnstion or event underlying or lleged in suh proeeding or lleging or deriving from the sme or essentilly the sme fts, or tht hs the sme soure or use s the mtters lleged in suh litigtion; regrdless of the legl theory upon whih the Clim ginst the Insured Person is predited. 4 Bodily Injury nd Property Dmge for odily injury, sikness, mentl nguish or emotionl distress or disturne, disese or deth of ny person howsoever used, or dmge to or loss of or destrution of ny tngile property inluding loss of use thereof. This Exlusion shll not pply to: Defene Costs for Non-indemnifile Loss of ny Insured Person who is nturl person or; mentl nguish or emotionl distress or disturne in respet of n Employment Prtie Wrongful At. the Insured Person gining ny personl profit, remunertion or dvntge to whih they were not leglly entitled. 87

90 5 Trustees rising out of, sed upon or ttriutle to ny Clim ginst n Insured Person in their pity s: trustee or fiduiry under lw; or n dministrtor of ny trust fund, pension sheme, profit-shring sheme or employee enefit sheme of ny Compny or ny Outside Entity. 6 USA Insured vs. Insured rising out of, sed upon or ttriutle to ny Clim rought or mintined in the United Sttes of Ameri y, on ehlf of or t the instigtion of ny Compny, Insured Person, Outside Entity or ny of their respetive diretors or offiers. This Exlusion shll not pply to n Aknowledged Insured vs. Insured Clim or Defene Costs. 7 Offering of Seurities rising out of, sed upon, or ttriutle to ny puli offering of ny Seurities during the Period of Insurne, provided tht this Exlusion shll not pply to det offerings nywhere in the World. Setion Clims Conditions 1 Cirumstnes If during the Period of Insurne n Insured Person first eomes wre of irumstnes whih re resonly expeted to give rise to Clim under this Setion, then the Poliyholder or ny Insured Person my give notie thereof to Ourselves in the mnner nd t the ddress identified in the Clim Notifition Condition elow. In order for suh notie to e effetive, the notifition of the irumstnes must e mde in writing, given during the Period of Insurne nd inlude t lest the following: sttement tht it is intended to serve s notie of irumstnes of whih n Insured Person hs eome wre whih re resonly expeted to give rise to Clim; the resons for expeting suh Clim (inluding full prtiulrs s to the nture nd dte of the possile Wrongful At); the identity of ny potentil limnt; d e the identity of ny Insured Person involved in suh irumstnes; nd the dte on, nd mnner in whih, the Insured Person first eme wre of suh irumstnes. If during the Period of Insurne irumstnes re notified in ordne with the requirements of this Condition, then ny lter Clim rising out of, sed upon or ttriutle to suh notified irumstnes shll e epted y Ourselves s hving een mde t the sme time s the irumstnes were first notified to Ourselves. There shll e no over under this Setion with respet to ny suh Clim or Relted Clim where the irumstnes hve not een notified in ordne with this Condition. 2 Clim Notifition The Poliyholder or ny Insured Person shll give written notie to Us of ny Clim first mde ginst n Insured Person or ny Investigtion or Self Report Investigtion first mde during the Period of Insurne (or Disovery Period, if pplile) s soon s resonly prtile during the Period of Insurne (or Disovery Period, if pplile). In the event tht it hs not een prtile for the poliyholder or the Insured Person to give notie during the Period of Insurne (or Disovery Period, if pplile), then written notie my e given within 90 dys of the expiry dte of the Period of Insurne (or Disovery Period, if pplile). Suh notie shll e deemed to hve een given during the Period of Insurne. There shll e no over under this Setion with respet to ny Clim whih hs not een notified in ordne with this Condition. All notifitions must e in writing to: Clims Division Allinz Insurne pl 500 Aveury Boulevrd Milton Keynes MK9 2XX or y telephone to (lines re open 9m to 5pm Mondy to Fridy) 3 Defene nd Settlement It shll e the duty of eh Insured Person to defend ny Clim mde ginst it. We shll e entitled to prtiipte fully in the investigtion, defene nd negotition of ny settlement of ny Clim tht involves or ppers resonly likely to involve Ourselves. In respet of ny 88

91 Clim rought or mintined y, on ehlf of or t the instigtion of ny Compny, Insured Person, Outside Entity or ny of their respetive diretors or offiers other thn n Aknowledged Insured vs. Insured Clim, We shll hve the right (ut not the duty) to ontrol the investigtion, defene nd negotition of ny settlement of suh Clim. Other thn s provided in Definitions Defene Costs ) ii), no Defene Costs shll e inurred without the prior written onsent of Ourselves. Suh onsent shll not e unresonly withheld or delyed. We shll py overed Defene Costs to or on ehlf of the Insured Person on n s inurred sis prior to finl disposition or djudition of the Clim upon reeipt of suffiiently detiled invoies. However, ny suh pyments mde y Ourselves whih re susequently determined not to e overed y this Poliy shll e returned y the poliyholder or Insured Person to Ourselves on demnd nd the poliyholder shll lso e jointly nd severlly lile with the Insured Person to mke suh pyment to Ourselves exept in the se of Non-indemnifile Loss. The Insured Person shll ssert ll pproprite defenes nd ross lims for ontriution, indemnity or dmges. The Insured Person shll not dmit liility for or settle or ttempt to settle ny Clim without the prior written onsent of Ourselves. Suh onsent shll not e unresonly withheld or delyed. The Insured Person shll t its own ost nd in timely fshion provide to Ourselves ll informtion nd ssistne s We my resonly require. 4 Relted Clims If during the Period of Insurne (or ny pplile Disovery Period) Clim, Investigtion or Self Report Investigtion is notified in ordne with the requirements of this Setion, then ny Relted Clim mde fter expiry of the Period of Insurne (or the pplile Disovery Period) shll e epted y Ourselves s hving een: mde t the sme time s suh notified Clim, Investigtion or Self Report Investigtion ws first mde; nd notified t the sme time s suh notified Clim, Investigtion or Self Report Investigtion ws first notified to Ourselves. All Relted Clims shll e deemed to e one single mtter nd deemed to e mde t the sme time s the first of suh Relted Clims ws mde or is deemed to hve een mde. 5 Dispute Resolution Where, following reeipt y Ourselves of ll informtion resonly required to provide suh deision: finl deision hs een given y Ourselves regrding ny spet of this Setion or ny mtter relting to over hereunder; tht deision is disputed etween Ourselves nd n Insured Person; nd suh dispute nnot e resolved within fourteen (14) dys of the dte on whih suh deision is ommunited to the Insured Person or its insurne roker, the dispute shll e referred to ritrtion y either prty under The Insurne & Reinsurne Aritrtion Soiety ( A.R.I.A.S (UK) ) Aritrtion Rules (sve s set out elow). The Aritrtion Triunl (the Triunl ) shll onsist of three ritrtors, one to e ppointed y n insured prty involved in the ritrtion, one to e ppointed y Ourselves nd the third to e ppointed y the two ppointed ritrtors. The third memer of the Triunl shll e ppointed s soon s prtile (nd no lter thn 28 dys) fter the ppointment of the two prtyppointed ritrtors. The Triunl shll e onstituted upon the ppointment of the third ritrtor. The ritrtors shll e persons (inluding those who hve retired) with not less thn ten yers experiene of insurne within the industry or s lwyers or other professionl dvisers serving the industry. Where prty fils to ppoint n ritrtor within fourteen (14) dys of eing lled upon to do so or where the two prty-ppointed ritrtors fil to ppoint third within 28 dys of their ppointment, then, upon pplition, A.R.I.A.S (UK) shll ppoint n ritrtor to fill the vny. At ny time prior to suh n ppointment y A.R.I.A.S (UK) the prty or ritrtors in defult my mke suh ppointment. The Triunl my t its sole disretion mke suh orders nd diretions s it onsiders neessry for the finl determintion of the mtters in dispute. The Triunl shll hve the widest disretion permitted under the lw governing the ritrl proedure when mking suh orders or diretions. The set of ritrtion shll e London, Englnd nd the lw governing the ritrtion shll e the lw of Englnd & Wles. 89

92 6 Allotion If n Insured Person inurs ny Loss rising out of Clim or ny Investigtion Costs in onnetion with n Investigtion or Self Report Investigtion tht inludes oth overed nd non-overed mtters or tht is mde ginst oth overed nd non-overed prties, then the Insured Person nd Ourselves shll use their est efforts to gree upon fir nd proper llotion of the proportion of the Loss or Investigtion Costs overed hereunder, hving regrd to the reltive legl nd finnil exposures. If n llotion nnot e greed etween the Insured Person nd Ourselves, then the prties gree tht it shll e determined, hving regrd to the reltive legl nd finnil exposures, y Queen s Counsel to e mutully greed upon, or in defult of greement to e nominted y the Chirperson of the Br Counil. Suh Queen s Counsel shll t s n expert nd not n ritrtor nd their determintion shll e sed upon the written sumissions of the prties nd shll e finl nd inding on the prties. There shll e no oligtion on the Queen s Counsel to provide resons unless speifilly requested y the Insured Person or Ourselves. The osts of ny referene to expert determintion under this Condition shll e orne eqully y oth the Insured Person seeking the determintion nd the Insurer. 7 Priority of Pyment of Clims If We re lile to mke ny pyment for Loss or Investigtion Costs overed under this Setion, then t the time tht suh pyment is due We will (sujet lwys to the Limit of Liility): first, seek to gree with the Insured Person nd/or Compny entitled to suh pyment to py ny Loss nd Investigtion Costs for whih over is provided to nturl Insured Person; therefter, where Loss or Investigtion Costs remin for whih over is provided to Compny, We my request the Poliyholder to elet in writing: i to stipulte the order nd the mounts in whih suh Loss or Investigtion Costs re to e dishrged; or ii to reeive suh lne to e held on ehlf of ny Compny who hs inurred suh Loss or Investigtion Costs. In the event tht no suh greement n e rehed, We shll mke pyments s they fll due under this Poliy without regrd to this Condition. In the event tht the Compny eomes insolvent, this Condition shll not relieve Ourselves of the oligtion to seek to gree to prioritise pyment of Loss or Investigtion Costs under this Setion. Sujet to the Limit of Liility, pyment pursunt to this Priority of Pyment of Clims Condition shll fully dishrge Ourselves from its oligtions under this Setion. 8 Surogtion In the event of pyment under this Setion, We shll e surogted to ll pplile rights of reovery of the Poliyholder nd ny Insured Person in respet of suh pyment. In ddition, the poliyholder nd Insured Person shll exeute ll nd ny doumenttion nd undertke ny tion neessry to enle Ourselves to ring reovery tion or suit (t Our option) in the nme of Ourselves or (s pplile), the Poliyholder or Insured Person. Any reovery reeived shll first e pplied ginst ny pyment mde y Ourselves with ny lne remining therefter eing remitted to or retined y the Poliyholder or Insured Person. We shll not exerise ny right of surogtion ginst n Insured Person unless it is estlished tht suh Insured Person hs ommitted delierte riminl t or otined ny profit or dvntge to whih suh Insured Person ws not leglly entitled in ordne with Exlusion 1. Setion Generl Conditions 1 Severility For the purposes of determining the vilility of overge under this Setion (inluding the pplition of ny Exlusion), no ft pertining to, knowledge possessed y, or ondut of one Insured Person shll e imputed to ny other Insured Person. 2 Non-Avoidne We shll not void this Setion or ny severle prt of the Setion or exerise ny other legl remedy on the grounds of misrepresenttion or non-dislosure, sve in the se of frudulent misrepresenttion or frudulent non-dislosure. If there hs een frudulent misrepresenttion or frudulent non-dislosure, then We shll e entitled to void this Setion initio with respet to: 90

93 n Insured Person who hs frudulently misrepresented or frudulently non-dislosed mteril informtion prior to the onlusion of this ontrt; or over for the Compny under Cover B, Cover D nd Cover E (where opertive) where the frudulent misrepresenttion or frudulent non-dislosure ws mde y the hief exeutive offier nd/or the hief finnil offier nd/or the hief operting offier nd/or the hief risk offier or equivlent position of tht Compny or of the Poliyholder. 3 Chnge of Control We shll not e lile for ny Loss or ny Investigtion Costs rising out of, sed upon or ttriutle to Wrongful At ommitted fter Chnge of Control or in respet of ny Compny when n dministrtor, liquidtor or reeiver (or the equivlent in ny jurisdition) is ppointed to suh Compny. 4 Assignment This Setion nd ny rights under or in respet of it nnot e ssigned y the Poliyholder or ny Insured Person without the prior written onsent of Ourselves nd ny ssignment in reh of this Condition shll e null nd void. 5 Governing Lw nd Jurisdition This Setion shll e governed y the lws of, nd sujet to the exlusive jurisdition of the Courts of Englnd nd Wles. 6 Contrts (Rights of Third Prties) At 1999 This Setion is not intended to onfer ny diretly enforele enefit upon ny third prty other thn Compny or n Insured Person nd no other third prties shll quire ny rights in reltion to this Setion under the Contrts (Rights of Third Prties) At 1999, or ny re-entment thereof, to enfore ny term of this ontrt or otherwise. 7 Plurls, Hedings nd Titles The desriptions in the hedings nd titles of this Setion re solely for referene nd onveniene nd do not lend ny mening to this ontrt. Words nd expressions in the singulr shll inlude the plurl nd vie vers. Words tht re not speifilly defined in this Setion hve the mening normlly ttriuted to them. 8 Dedutile A dedutile shll pply with respet to eh nd every Clim other thn for Non-indemnifile Loss. In the event tht the poliyholder nd/or the relevnt Susidiry does not indemnify n Insured Person, We shll dvne the Loss overed y the provisions of this Setion to suh Insured Person. However, ny pplile Dedutile shll then eome immeditely pyle y the Poliyholder nd/or the Susidiry to Ourselves. 9 Other Insurne Unless otherwise required y lw, over under this Setion is provided only s exess over ny other vlid nd olletile insurne, unless suh insurne is written s speifi exess insurne over the Limit of Liility. Other insurne shll e regrded s vlid nd olletile if there is n entitlement to indemnity thereunder in respet of Loss overed under this Setion, or if there would e suh n entitlement to indemnity ut for the existene of this Setion nd/or ut for ny provision in suh other poliy to the sme or similr effet s Generl Condition 9 of this Setion. 10 Sntions This Setion does not provide overge relted to ny usiness, inluding ut not limited to this insurne nd the fulfilment of ny oligtion thereunder, to the extent it would violte ny eonomi or trde sntion lw or regultions of the UN nd/or the EU/EAA nd/or ny other ntionl eonomi or trde sntions lw or regultions, s pplile from time to time. 11 Administrtion The poliyholder shll t on ehlf of itself nd eh nd every Susidiry nd eh nd every Insured Person with respet to: Clim notifitions; d e the neessry notifitions regrding ny new Susidiry; the pyment of the premium nd ny dditionl premiums nd the reeipt of return premiums tht my eome due under this Setion; the reeipt nd eptne of ny endorsements issued y Ourselves to form prt of this Setion; nd the exerising or delining of ny right to Disovery Period. 91

94 Generl Exlusions This Poliy does not over: 1 Geogrphil Limits Destrution dmge loss injury or liility rising out of ny ourrene outside the Geogrphil Limits. 2 Motor Sports Destrution dmge loss injury or liility rising out of prtiiption in, or prtiiption in prtie for, motor sports determined y time or speed, or rising t ny prt of ny premises where suh motor sports or prtie for them is tking ple nd whih only ompetitors, memers of their support tem, orgnisers, mrshls nd other uthorised persons re llowed ess. 3 Rdiotive Contmintion Rdiotive Contmintion (Not pplile to the Fidelity Gurntee nd Diretors & Offiers Setions) Loss or destrution of or dmge to ny property whtsoever or ny loss or expense whtsoever resulting or rising there from or ny onsequentil loss or ny legl liility of whtsoever nture diretly or indiretly used y or ontriuted to y or rising from: 1 ionising rditions from or ontmintion y rdiotivity from ny nuler fuel or from ny nuler wste or from the omustion of nuler fuel 2 the rdiotive, toxi, explosive or other hzrdous or ontminting properties of ny nuler instlltion, retor or other nuler ssemly or nuler omponent thereof 3 ny wepon or other devie utilizing rdiotive mteril nd/or mtter nd/or ionising rdition nd/or tomi or nuler fission nd /or fusion or other like retion 4 the rdiotive toxi, explosive or other hzrdous or ontminting properties of ny rdiotive mtter. Exlusions 1 nd 2 do not pply to the Employers' Liility Setion other thn in respet of i ii the liility of ny Prinipl liility ssumed y You under ontrt or greement whih would not hve tthed in the sene of suh ontrt or greement Exlusion 3 nd 4 does not pply to the Employers' Liility, Puli nd Produts Liility nd Personl Aident Setions. 4 Soni Bngs Loss destrution or dmge diretly osioned y pressure wves used y irrft nd other eril devies trvelling t soni or supersoni speeds. 5 Wr (Not pplile to Employers Liility, Personl Aident, Terrorism, Fidelity Gurntee nd Diretors & Offiers Setions) Loss, destrution, dmge, deth, injury, dislement or liility or ny onsequentil loss osioned y wr, invsion, t of foreign enemy, hostilities (whether wr e delred or not), ivil wr, reellion, revolution, insurretion or militry or usurped power. 6 E.Risks Setion 1 Mteril Dmge, Setion 8 Business Interruption nd Setion 10 Fidelity Gurntee does not over 1 loss or destrution of or dmge to ny Computer Equipment (s defined elow) onsisting of or used diretly or indiretly y: progrmming or opertor error whether y You or ny other person Virus or Similr Mehnism (s defined elow) Hking (s defined elow) d mliious persons (ut this shll not pply to the ts of thieves involving physil fore or violene) e filure of externl networks unless, in respet of, nd ove, suh loss or destrution or dmge results from onurrent or susequent use not exluded y this or ny other poliy exlusion. 2 ny finnil loss or expense of whtsoever nture, inluding ut not limited to usiness interruption, resulting diretly or indiretly from the type of loss or destrution or dmge desried in prgrph 1 of this exlusion unless, in respet of 1, or ove, the finnil loss or expense results from onurrent or susequent use not exluded y this or ny other poliy exlusion. 92

95 3 loss or destrution of or dmge to ny property other thn Computer Equipment where it rises diretly or indiretly out of loss or destrution of or dmge to ny Computer Equipment of the type desried in prgrph 1 of this exlusion unless, in respet of loss or dmge to other property rising from 1, nd ove, resulting from onurrent or susequent use not exluded y this or ny other poliy exlusion. 4 loss or destrution of or dmge either to Computer Equipment or ny other property where it onsists of or rises diretly or indiretly out of: the ersure, loss, distortion, orruption or unuthorised ess to or modifition of informtion on omputer systems or other reords, progrms or softwre y rioters, strikers, loked-out workers, persons tking prt in lour disturnes or ivil ommotions, or mliious persons the ersure, loss, distortion, orruption or unuthorised ess to or modifition of informtion on omputer systems or other reords, progrms or softwre due to ny use not inluded in 4 ove ny misinterprettion, use or misuse of informtion on omputer systems or other reords, progrms or softwre unless, in respet of 4 nd ove, suh loss destrution or dmge results from onurrent or susequent use not exluded y this or ny other poliy exlusion. 5 ny finnil loss or expense of whtsoever nture inluding ut not limited to usiness interruption, where it rises diretly or indiretly from the type of loss or destrution or dmge desried in prgrphs 3 nd 4 of this exlusion unless, in respet of 3, 4 nd ove, the finnil loss or expense results from onurrent or susequent use not exluded y this or ny other poliy exlusion. For the purpose of this Exlusion: Computer Equipment mens ny omputer equipment, omponent, system or item whih proesses, stores, trnsmits or retrieves dt, or ny prt thereof, whether Your property or not, whether tngile or intngile nd inluding without limittion ny informtion, progrms or softwre. Virus or Similr Mehnism mens ny progrm ode, progrmming instrution or other set of instrutions intentionlly onstruted with the ility to dmge, interfere with or otherwise dversely ffet omputer progrms, dt files or opertions (whether involving self replition or not), inluding ut not limited to Trojn Horses, Worms or Logi Boms. Hking mens unuthorised ess to ny omputer or omputer equipment, omponent, system or item, whether Your property or not, whih proesses, stores, trnsmits or retrieves dt. 7 Terrorism (Not pplile to Employers Liility, Diretors & Offiers, Puli Liility, Produts Liility, Personl Aident, Sikness nd Trvel, Motor Vehile Rod Risks, Self-Drive Vehile Hire or Terrorism (when insured s seprte Setion) insurnes) This Poliy does not over: in respet of Englnd, Wles nd Sotlnd ut not the territoril ses djent thereto s defined y the Territoril Se At 1987: loss or destrution or dmge or ny onsequentil loss of whtsoever nture, diretly or indiretly used y, resulting from or in onnetion with i ny At of Terrorism, regrdless of ny other use or event ontriuting onurrently or in ny other sequene to suh At of Terrorism ii ny tion tken in ontrolling, preventing or suppressing ny At of Terrorism, or in ny other wy relted to suh At of Terrorism. In respet of ove n At of Terrorism (Terrorism) mens: Ats of persons ting on ehlf of, or in onnetion with, ny orgnistion whih rries out tivities direted towrds the overthrowing or influening, y fore or violene, of Her Mjesty's government in the United Kingdom or ny other government de jure or de fto. in respet of territories other thn those stted in ove: loss or destrution or dmge or ny onsequentil loss of whtsoever nture, diretly or indiretly used y, resulting from or in onnetion with i ny At of Terrorism, regrdless of ny other use or event ontriuting onurrently or in ny other sequene to suh At of Terrorism 93

96 ii ny tion tken in ontrolling, preventing or suppressing ny At of Terrorism, or in ny other wy relted to suh At of Terrorism. In respet of ove n At of Terrorism (Terrorism) mens: An t, inluding ut not limited to the use of fore or violene nd/or the thret thereof, of ny person or group(s) of persons whether ting lone or on ehlf of or in onnetion with ny orgnistion(s) or government(s), ommitted for politil, religious, ideologil or similr purposes inluding the intention to influene ny government nd/or to put the puli or ny setion of the puli in fer. In ny tion, suit or other proeedings where We llege tht y reson of this exlusion ny loss or destrution or dmge or ny onsequentil loss is not overed (or is overed only up to speified limit of liility), the urden of proving to the ontrry shll e upon You. In the event ny prt of this exlusion is found to e invlid or unenforele, the reminder shll remin in full fore nd effet. 8 Northern Irelnd This Poliy does not over loss or destrution or dmge or ny onsequentil loss in Northern Irelnd osioned y or hppening through or in onsequene diretly or indiretly of riot, ivil ommotion nd (exept in respet of loss or destrution or dmge or ny onsequentil loss y fire or explosion) strikers, loked-out workers, persons tking prt in lour disturnes or mliious persons. 9 Computer Dte Reognition A Setion 1 Mteril Dmge nd Setion 8 Business Interruption of this Poliy do not over Dmge, loss, or Book Dets diretly or indiretly used y or onsisting of or rising from the filure of ny omputer or other equipment or system for proessing, storing or retrieving dt, whether Your property or not, to hieve ny or ll of the purposes nd onsequentil effets intended y the use of ny numer to denote dte inluding the filure: 1 orretly to reognise ny dte s its true lendr dte; 2 to reognise, pture, sve, retin, restore nd/or orretly to mnipulte, interpret, lulte or proess ny dt or informtion or ommnd or instrution s result of treting ny dte otherwise thn s its true lendr dte; 3 to reognise, pture, sve, retin, restore nd/or orretly to mnipulte, interpret, lulte or proess ny dt or informtion s result of the opertion of ny ommnd whih hs een progrmmed into ny omputer softwre or firmwre, eing ommnd whih uses the loss of dt or the inility to reognise, pture, sve, retin, restore or orretly to mnipulte, interpret, lulte or proess ny dt on or fter ny dte. But the insurne y Setion 1 Mteril Dmge nd Setion 8 Business Interruption shll not exlude ny susequent Dmge whih is not otherwise exluded nd whih itself results from Speified Event. B Indemnity 8 Motor Legl Expenses of Setion 2 Motor Vehile Rod Risks of this Poliy does not over professionl fees, osts nd disursements hrged or inurred y the Legl Representtive, or the ivil osts inurred y ny other prty diretly or indiretly used y or onsisting of or rising from the filure of ny omputer or other equipment or system for proessing, storing or retrieving dt, whether Your property or not, nd whether ourring efore to hieve ny or ll of the purposes nd onsequentil effets intended y the use of ny numer to denote dte inluding the filure 1 orretly to reognise ny dte s its true lendr dte; 2 to reognise, pture, sve, retin, restore nd/or orretly to mnipulte, interpret, lulte or proess ny dt or informtion or ommnd or instrution s result of treting ny dte otherwise thn s its true lendr dte; 3 to reognise, pture, sve, retin, restore nd/or orretly to mnipulte, interpret, lulte or proess ny dt or informtion s result of the opertion of ny ommnd whih hs een progrmmed into ny omputer softwre or firmwre, eing ommnd whih uses the loss of dt or the inility to reognise, pture, sve, retin, restore or orretly to mnipulte, interpret, lulte or proess ny dt on or fter ny dte. 94

97 C D Setion 5 Engineering of this Poliy does not over Dmge y impt to property elonging to or held y You in trust or on ommission or for whih You re responsile diretly onsequent upon nd solely due to frgmenttion of ny prt of the Plnt, or Dmge to the Plnt y Brekdown, diretly or indiretly used y or onsisting of or rising from the filure of ny omputer or other equipment or system for proessing, storing or retrieving dt, whether Your property or not, to hieve ny or ll of the purposes nd onsequentil effets intended y the use of ny numer to denote dte inluding the filure 1 orretly to reognise ny dte s its true lendr dte; 2 to reognise, pture, sve, retin, restore nd/or orretly to mnipulte, interpret, lulte or proess ny dt or informtion or ommnd or instrution s result of treting ny dte otherwise thn s its true lendr dte; 3 to reognise, pture, sve, retin, restore nd/or orretly to mnipulte, interpret, lulte or proess ny dt or informtion s result of the opertion of ny ommnd whih hs een progrmmed into ny omputer softwre or firmwre, eing ommnd whih uses the loss of dt or the inility to reognise, pture, sve, retin, restore or orretly to mnipulte, interpret, lulte or proess ny dt on or fter ny dte. Setion 6 Puli nd Produts Liility of this Poliy does not over ny legl liility rising diretly or indiretly from the filure of ny omputer or other equipment or system for proessing, storing or retrieving dt, whether Your property or not, nd whether ourring efore to hieve ny or ll of the purposes nd onsequentil effets intended y the use of ny numer to denote dte inluding the filure 1 orretly to reognise ny dte s its true lendr dte 2 to reognise, pture, sve, retin, restore nd/or orretly to mnipulte, interpret, lulte or proess ny dt or informtion or ommnd or instrution s result of treting ny dte otherwise thn s its true lendr dte; 3 to reognise, pture, sve, retin, restore nd/or orretly to mnipulte, interpret, lulte or proess ny dt or informtion s result of the opertion of ny ommnd whih hs een progrmmed into ny omputer softwre or firmwre eing ommnd whih uses the loss of dt or the inility to reognise, pture, sve, retin, restore or orretly to mnipulte, interpret, lulte or proess ny dt on or fter ny dte. 95

98 Generl Conditions 1 Premium You shll py the premium on request. 2 Identifition This Poliy nd the Shedule shll e red together nd words nd expressions to whih speifi menings hve een tthed in ny prt of this Poliy or of the Shedule shll er suh speifi menings wherever they my pper. g h i furnish with ll resonle despth t Your expense suh further prtiulrs nd informtion s We my resonly require mke ville t Your expense ny douments required y Us with regrd to ny letter of lim not py or offer or gree to py ny money or mke ny dmission of liility without Our previous onsent 3 Preutions You shll tke ll resonle steps to keep the Property Insured seure nd in good stte of repir preutions to prevent idents, injury, loss, destrution nd dmge steps to oserve nd omply with ll the sttutory or Puli Authority lws, oligtions nd requirements. 4 Clims (i) Ation By You You shll in the event of ny injury, loss destrution, dmge or onsequentil loss s result of whih lim is or my e mde under this Poliy or ny Setion of it, nd gin upon reeipt y You in writing of ny notie of ny lim or legl proeeding, d inform Us, s soon s resonly possile, of ny ourrene or notie reeived whih my produe lim, nd provide ny further detils whih We my require notify the polie, s soon s resonly possile, of ny loss, destrution or dmge y theft or ttempted theft nd within seven dys supply them with full list nd desription of missing rtiles notify Us immeditely on eing dvised of ny proseution, inquest or enquiry onneted with ny injury loss destrution dmge or onsequentil loss whih my form the sujet of lim under this Poliy pss immeditely, nd unknowledged, ny letter of lim to Us j llow Us in the nme of nd on ehlf of You to tke over nd, during suh periods s We think proper, to hve the solute ondut nd ontrol of ll negotitions nd proeedings whih my rise in respet of ny lim nd the settlement thereof nd o-operte fully with Us for tht purpose. No lim under this Poliy shll e pyle unless the terms of this Generl Condition hve een omplied with nd ny pyment on ount of lim lredy mde shll e repid to Us. 5 Clims (ii) The Rights of Us On the hppening of loss, destrution or dmge We nd ny person uthorised y Us my without therey inurring ny liility or diminishing ny of Our rights under this Poliy, enter, tke or keep possession of The Premises where suh loss, destrution or dmge hs ourred nd tke possession of or require to e delivered to Us ny property for ll resonle purposes nd in ny resonle mnner. No lim under this Poliy shll e pyle unless the terms of this Generl Condition hve een omplied with. No property my e ndoned to Us whether tken possession of y Us or not. 6 Clims (iii) Reinsttement If ny property is to e reinstted or repled y Us You shll t Your own expense provide ll suh plns, douments, ooks nd informtion s my e resonly required. We shll not e ound to reinstte extly ut only s irumstnes permit nd in resonly suffiient mnner nd shll not in ny se e ound to expend in respet of ny one of the items more thn its Sum Insured. e f rry out nd permit to e tken ny tion tht my e resonly prtile to prevent further loss, destrution dmge nd onsequentil loss retin unltered nd unrepired nything in ny wy onneted with injury, loss destrution, dmge or onsequentil loss for s long s We my require 7 Clims (iv) Surogtion We re entitled t Our own expense to tke proeedings in Your nme to reover ny pyment mde under this Poliy, when We onsider tht there re rights of reovery ginst other prties, nd You must ssist Us when resonly required to do so. You must not mke 96

99 ny pyment or dmission of liility without Our onsent nd We re entitled to tke over nd ondut in the nme of You ny negotitions or legl tion in onnetion with lim under this Poliy. Note tht in ddition to the ove Generl Clims Conditions, speil or dditionl Clims Conditions lso pply to the individul Setions of this Poliy. Plese refer to eh individul Setions for detils. 8 Other Insurnes If t the time of ny loss, destrution or dmge there is ny other insurne overing suh inidents, We shll not e lile to ontriute to suh lim. 9 Cnelltion Refletion Period If You re n individul or sole trder (inluding prtnership in Englnd nd Wles) You my nel this Poliy within fourteen dys of the dte You reeive it. You n do this y writing to the intermediry with whom You rrnged this insurne. We will nel this Poliy reord on the Motor Insurne Dtse with effet from the dte we reeive the written notie of nelltion. If You hoose to do this You re entitled to refund of the premium lulted from the dte on whih We nel the Poliy reord on the Motor Insurne Dtse. We will only hrge pro rt premium for the period for whih over hs een provided nd n dditionl dministrtion hrge of 50 to over Our opertionl osts sujet to minimum mount pyle of 100. Provided tht no lim hs een mde or tht no inident hs risen in the urrent Period of Insurne whih my give rise to lim in whih se the full nnul premium will e pyle to Us. Cnelltion (Outside the refletion period) You hve no nelltion rights under Your Poliy Our Cnelltion Rights Other thn where Generl Condition 11 (Frud) pplies, We my nel Your Poliy y sending seven dys notie in writing to You t Your lst known ddress. If the premium hs een pid in full, You shll e entitled to proportionte rete in respet of the unexpired Period of Insurne. The mount of the premium to e refunded under this ondition will e redued y ll future instlments or unpid premiums due to Us. If the premium for Your Poliy is pid y instlments nd in the event tht You fil to py one or more instlments whether in full or in prt, We my nel Your Poliy y sending fourteen dys notie in writing to You t Your lst known ddress. 10 Chnge of Risk (Not pplile to Diretors & Offiers insurnes) You must notify Us s soon s possile if during the Period of Insurne there is ny ltertion: in or to The Business; to or t The Premises; to the fts or mtters set out in the Sttement of Ft, Proposl Form or otherwise omprising the risk presenttion mde y You to Us t ineption, renewl or vrition of the Poliy whih mterilly inreses the risk of injury, loss, dmge or liility. Upon eing notified of ny suh ltertion, We my, t Our solute disretion: d e ontinue to provide over under this Poliy on the sme terms; restrit the over provided under the Poliy; impose dditionl terms; lter the premium; nel the Poliy. If You fil to notify Us of ny mteril ltertion of the risk, We my: tret the Poliy s if it hd ome to n end s t the dte of the ltertion of the risk, returning proportionte mount of the premium for the unexpired Period of Insurne, if We would hve nelled the Poliy hd We known of the inrese in risk; tret the Poliy s if it hd ontined suh terms (other thn relting to premium) or other restritions (if ny) from the dte of the ltertion in risk s We would hve pplied hd We known of the inrese in risk; redue proportiontely the mount pid or pyle on ny lim, the proportion for whih We re lile eing lulted y ompring the premium tully hrged s perentge of the premium We would hve hrged hd We known of the inrese in risk. 97

100 11 Frud (Not pplile to Diretors & Offiers insurnes) If You or nyone ting on Your ehlf: d mkes ny flse or frudulent lim; mkes ny exggerted lim; supports lim y flse or frudulent douments, devies or sttements (whether or not the lim is itself genuine); or mkes lim for loss or dmge whih You or nyone ting on Your ehlf deliertely used; We will: i ii refuse to py the whole of the lim; nd reover from You ny sums tht We hve lredy pid in respet of the lim. We my lso notify You tht We will e treting the Poliy s hving terminted with effet from the dte of the erliest of ny of the ts set out in su-luses () (d) ove. In tht event, You will: hve no over under the Poliy from the dte of the termintion; nd not e entitled to ny refund of premium. 12 Aritrtion If We ept tht there is lim under this Poliy ut there is disgreement in respet of the mount to e pid, the disgreement will e referred to n Aritrtor ppointed in ordne with urrent sttutory provisions. In these irumstnes n Aritrtor s wrd must e mde efore there is ny right of tion ginst Us. 13 Rights of Third Prties A person or ompny who ws not prty to this Poliy hs no right under the Contrts (Rights of Third Prties) At 1999 or ny susequent legisltion to enfore ny term of this Poliy ut this does not effet ny right or remedy of third prty whih exists or is ville prt from suh At. 14 The Proposl The proposl for this insurne, the informtion provided to Us nd ny Sttement of Ft form prt of this ontrt. 15 Poliy Terms Eh Setion of this Poliy my ontin Definitions, Exlusions nd/or Conditions prtiulr to tht Setion nd these shll e red in onjuntion with (nd override where pplile) the Poliy Definitions, Generl Conditions nd Generl Exlusions. 16 Lw Applile to Contrt Unless We gree otherwise: the lnguge of the Poliy nd ll ommunitions relting to it will e English; nd ll spets of the Poliy inluding negotition nd performne re sujet to English lw nd the deisions of English ourts. eh prty to this Poliy grees to wive ny rights tht it my hve to ojet to n tion eing rought in the English ourts or to lim tht the tion hs een rought in n inonvenient forum or to lim tht the English ourts do not hve jurisdition. 17 Cr Shring The reeipt of ontriutions s prt of r shring rrngement for soil or other similr purposes in respet of the rrige of pssengers on journey in vehile insured under Your Poliy will not e regrded s onstituting the rrige of pssengers for hire or rewrd (or the use if the vehile for hiring) provided tht: 1 the vehile is not onstruted or dpted to rry more thn eight pssengers (exluding the driver) 2 the pssengers re not eing rried in the ourse of usiness of rrying pssengers 3 the totl ontriutions reeived for the journey onerned do not involve n element of profit 98

101 18 Survey nd Risk Improvement Condition Sujet to Survey If this Poliy hs een issued or renewed sujet to Us ompleting survey(s) of The Premises or of ny other lotion(s) s speified y You, then pending ompletion of suh survey(s) indemnity is provided y the Us on the terms, onditions, exlusions nd limits s speified in this Poliy nd in the Setions of this Poliy. In the event tht survey should show tht the risk or ny prt of it is not stisftory in the opinion of Us, then We reserve the right to: lter the premium or terms nd onditions exerise Our right to nel the Poliy leve the premium or terms nd onditions unltered We will dvise You of Our deision nd the effetive dte of suh deision. If the premium terms or onditions re mended y Us then You will hve fourteen (14) dys to ept or rejet the revised sis of indemnity. If You elet to rejet the revised sis of premium, terms or onditions then You shll e entitled to proportionte refund of premium (sujet to n dministrtion hrge) for the unexpired period of over provided tht no lim hs een mde during the urrent Period of Insurne. If We exerise Our right to nel this Poliy, then You shll e entitled to proportionte refund of premium (sujet to dministrtion hrge) for the unexpired period of over provided tht no lim hs een mde during the urrent Period of Insurne. Risk Improvements It is ondition preedent to Our liility tht You omply with ll survey risk improvements required y Us within ompletion time sles speified y Us. In the event tht risk improvement is not ompleted, or risk improvement proedures re not introdued, within the ompletion time sles speified y Us, then We reserve the right to; We will dvise You of Our deision whih will e effetive either from the expiry of ny time period speified y Us for ompletion/introdution of the required survey risk improvements, or ny other period speified y Us If the premium, terms or onditions re mended y Us then You will hve fourteen (14) dys to ept or rejet the revised sis of indemnity. If You elet to rejet the revised sis of premium, terms or onditions then You shll e entitled to proportionte refund of premium (sujet to n dministrtion hrge) for the unexpired period of over provided tht no lim hs een mde during the urrent Period of Insurne. If We exerise Our right to nel this Poliy, then You shll e entitled to proportionte refund of premium (sujet to dministrtion hrge) for the unexpired period of over provided tht no lim hs een mde during the urrent Period of Insurne. The ove onditions do not ffet Our right to void the Poliy if We disover informtion mteril to Our eptne of the risk. To the extent tht this Condition onflits with ny other Cnelltion Condition(s) then this Condition shll previl. Exept in so fr s they re expressly vried y this Condition ll of the terms, onditions, exlusions nd limits of this Poliy nd of the Setions of this Poliy shll ontinue to pply until dvised otherwise y Us. 19 Fir Presenttion of the Risk You must mke fir presenttion of the risk to Us t ineption, renewl nd vrition of the Poliy. We my void the Poliy nd refuse to py ny lims where ny filure to mke fir presenttion is: i ii delierte or rekless; or of suh other nture tht, if You hd mde fir presenttion, We would not hve issued the Poliy. lter the premium or terms nd onditions exerise the right to nel this Poliy leve the premium or terms nd onditions unltered We will return the premium pid y You unless the filure to mke fir presenttion is delierte or rekless. 99

102 If We would hve issued the Poliy on different terms hd You mde fir presenttion, We will not void the Poliy (exept where the filure is delierte or rekless) ut We my insted: i ii redue proportiontely the mount pid or pyle on ny lim, the proportion for whih We re lile eing lulted y ompring the premium tully hrged s perentge of the premium whih We would hve hrged hd You mde fir presenttion; nd/or tret the Poliy s if it hd inluded suh dditionl terms (other thn those requiring pyment of premium) s We would hve imposed hd You mde fir presenttion. For the purposes of this luse referenes to: voiding the Poliy mens treting the Poliy s if it hd not existed from the ineption dte (where the filure to mke fir presenttion of the risk ours efore or t the ineption of the Poliy), the renewl dte (where the filure ours t renewl of the Poliy), or the vrition dte (where the filure ours when the Poliy is vried); refunds of premium should e treted s refunds of premium k to the ineption dte, renewl dte or vrition dte s the ontext requires; issuing Poliy should e treted s referenes to issuing the Poliy t ineption, renewing or vrying the Poliy s the ontext requires. However, if the person onerned or the Poliyholder on their ehlf mkes reless misrepresenttion of ft, We my invoke the remedies ville to Us under this Generl Condition s ginst tht prtiulr person, s if seprte insurne ontrt hd een issued to suh person, leving the reminder of the Poliy unffeted. 20 Conditions If You do not omply with ny prt of ny ondition whih mkes pyment of lim onditionl upon ompline with it ( ondition preedent), We will not py for ny lim, exept tht where the ondition preedent onerned: opertes only in onnetion with prtiulr premises or lotions, We will py for lims rising out of n event ourring t other premises or lotions whih re not speified in the ondition; opertes only t prtiulr times, We will py for ny lim where You show on the lne of proilities tht Your non-ompline with the ondition did not use or ontriute to the injury, loss, dmge or liility whih ourred; would, if omplied with, tend to redue prtiulr types of injury, loss, dmge or, s the ontext my require liility, We will py for ny lim where You show on the lne of proilities tht Your nonompline with the ondition did not use or ontriute to the injury, loss, dmge or liility whih ourred. Where this Poliy provides over for: ny person who is not the Poliyholder; nd tht person would, if they hd tken out suh over in their own nme, hve done so for purposes wholly or minly unonneted with their trde usiness or profession, We will not invoke the remedies whih might otherwise hve een ville to Us under this Generl Condition (Fir Presenttion of the Risk) s ginst the Poliyholder, if the filure to mke fir presenttion of the risk onerns only fts or informtion whih relte to prtiulr person who is not the Poliyholder. 100

103 Complints Proedure Our im is to get it right, first time, every time. If We mke mistke We will try to put it right promptly. We will lwys onfirm to You reeipt of Your omplint within five working dys nd do Our est to resolve the prolem within four weeks. If We nnot We will let You know when n nswer my e expeted. If We hve not resolved the sitution within eight weeks We will provide You with informtion out the Finnil Omudsmn Servie. If You hve omplint, plese ontt Our Customer Stisftion Mnger t: Customer Stisftion Mnger, Allinz Insurne pl, 57 Ldymed, Guildford, Surrey GU1 1DB. If Your omplint is out Indemnity 8 of Setion 2 Motor Legl Expenses or Setion 14 Commeril Legl Expenses plese ontt Our Customer Stisftion Mnger t: Allinz Legl Protetion 2530 The Qudrnt Azte West Almondsury Bristol BS32 4AW Telephone numer: Using Our omplints proedure or referrl to the Finnil Omudsmn Servie does not ffet Your legl rights. Telephone numer: Fx: Emil: [email protected] For Your Protetion We must e informed of ny importnt hnges in The Business ourring fter the issue of Your Poliy to ensure You remin fully insured. The following exmples illustrte the kind of hnge tht my ffet some or ll Setions of the Poliy. We must e notified if: new premises re quired or the premises of others re rented (inluding spe therein) the Buildings re ltered or extended The Business tivities hnge from those indited on the Proposl form or Sttement of Ft nd delred in the Shedule You require ny person under 25 yers of ge to drive for SD&P use You quire Privte Cr with n ABI vehile group 29 or ove or motoryle with n engine size over 500 nd wish to use the Privte Cr or motoryle for soil, domesti or plesure purposes. You dd ny reovery vehile to the Poliy You dd ny Privte Cr vlued over 50,000 for soil, domesti nd plesure use. The ove only pplies where they were not delred t ineption or renewl of the Poliy. ny driver, or person working for The Business, is onvited of or hs proseution pending for the Rod Trffi At offenes with Convition Code ommening AC, BA, DD, UT, IN, DR or XX or Convition Codes CD40, CD50, CD60, CD70, CD71, MS50, TT99 or NE99. ny person working for The Business is onvited of or hs proseution pending for ny other riminl offene. If You re in ny dout s to whether hnge must e notified, plese onsult Your insurne dviser. 101

104 Notifying Clim If n ident, loss or dmge ours or ny irumstnes rise whih my use lim to e mde, you should notify Your insurne dvisor, (or lterntively You n ontt Us t Our lims hndling offie): promptly, if n inident ours tht my led to lim immeditely, in the event of serious ident, loss or dmge plese provide Your Poliy numer nd s muh informtion s possile out the lim For ll Motor Trde Clims, other thn those under the Commeril Legl Expenses Setion, Motor Proseution Defene nd idents outside the United Kingdom, plese ontt Our dedited lims hndling entre sed in Birminghm: Tel: Fx: Emil: [email protected] The lines re open Mondy to Fridy 8 m to 6 pm. Motor Trde Clims Division Allinz Insurne pl 500 Aveury Boulevrd Milton Keynes MK9 2XX (All orrespondene is snned nd forwrded to the lims hndling entre.) If Your lim is for Personl Aident: You should ontt the Aident nd Helth Clims Unit on telephone numer If Your lim is for Uninsured Loss Reovery nd Injury You should ll nd quote Mster Poliy Numer If there is need to ontt Us diret to disuss ny Uninsured Loss Reovery or Injury lim lredy in progress, plese write to Us t the ddress on pge 24 or telephone Us on nd quote Mster Poliy Numer For dditionl lims informtion plese refer to pges If Your lim is for Motor Proseution Defene: You should ontt the Lwphone Legl Helpline on telephone numer nd quote Mster Poliy Numer For dditionl lims informtion plese refer to pge 24. If Your lim is for Commeril Legl Expenses: You should ontt the Lwphone Legl Helpline on telephone numer nd quote Mster Poliy Numer For dditionl lims informtion plese refer to pge 78. For idents outside the United Kingdom: You will need to ll Our Interntionl Clims Tem on +44 (0) The lines re open Mondy to Fridy 9m to 5pm. 102

105 Additionl Benefits 24 Hour Lwphone Legl Advie Helpline With this Poliy You gin the utomti enefit of ess to tem of qulified legl dvisers for dvie on ny ommeril legl mtter 24 hours dy, 365 dys yer. The dvie You reeive from the Lwphone Legl Advie Helpline will lwys e ording to the lws of Gret Britin nd Northern Irelnd. To use this servie ring You should quote Mster Poliy numer nd provide rief summry of the prolem. The detils will e pssed to n dviser who will return Your ll. All res of Business lw re overed. This dvie is ville to You during the urreny of the Poliy, lthough no liility n e epted for inility to provide dvie due to rekdown or filure of the telephone network. This telephone helpline is provided y Allinz Legl Protetion, prt of Allinz Insurne pl, who my reord the lls for Your nd Our mutul protetion nd Our trining purposes. Allinz Legl Online As prt of the Commeril Legl Expenses fility the Insured hs ess to extensive on line Business support vi Allinz Legl Online. This fility provides tools nd servies tht will help the Insured to produe legl pperwork in onnetion with the Insured's Business, for exmple, espoked ontrts of employment. In ddition it provides the Insured with up to dte guidne nd dvie on mny legl issues, suh s, employment legl proedures, mnging the Insured's Business nd det reovery. The legl pperwork nd guidne will lwys e in ordne with the lws of Gret Britin nd Northern Irelnd. The Insured n ess Allinz Legl Online t: A registrtion numer is required to enter the we site nd this is shown within the Commeril Legl Expenses detils on the Poliy Shedule. If the insured hs ny prolems relting to Allinz Legl Online plese ontt the Allinz Legl Online ustomer servies tem on or e-mil them t [email protected]. Allinz Legl Online is provided y Epoq Legl Ltd of Middlesex House, High Street, Edgwre, Middlesex HA8 7UU. 24 Hour Glss Replement Broken Glss is dngerous nd in some irumstnes n e seurity risk. Allinz hve negotited speil rrngement with Glssolutions one of Britin s leding glss replement speilists. Glssolutions will ill Us diret; You py nothing exept for the Exess nd the VAT. This servie is ville 24 hours dy, ll yer round. To use this servie telephone FREE on nd stte Your poliy numer. 103

106 Dt Protetion Allinz Insurne pl together with other ompnies within the Allinz SE group of ompnies ( Allinz Group ) my use the personl nd usiness detils you hve provided or whih re supplied y third prties inluding ny detils of diretors, offiers, prtners nd employees (whose onsent you must otin) to: provide you with quottion, del with the ssoited dministrtion of your poliy nd to hndle lims; serh redit referene, redit soring nd frud genies who my keep reord of the serh; shre with other insurne orgnistions to help offset risks, dminister your poliy, for sttistil nlysis, nd to hndle lims nd prevent frud; support the development of our usiness y inluding your detils in ustomer surveys, for mrket reserh nd usiness reviews whih my e rried out y third prties ting on our ehlf. Allinz Group my need to ollet nd proess dt relting to individuls who my enefit from the poliy ( Insured Persons ), whih under the Dt Protetion At is defined s sensitive (suh s medil history of Insured Persons) for the purpose of evluting the risk nd/or dministering lims whih my our. You must ensure tht you hve expliit verl or written onsent from the Insured Persons to suh informtion eing proessed y Allinz Group nd tht this ft is mde known to the Insured Persons. If your poliy provides Employers Liility over informtion relting to your insurne poliy will e provided to the Employers Liility Tring Offie (the ELTO ) nd dded to n eletroni dtse, (the Dtse ) in formt set out y the Employer s Liility Insurne: Dislosure y Insurers Instrument The Dtse ssists individul onsumer limnts who hve suffered n employment relted injury or disese rising out of their ourse of employment in the UK whilst working for employers rrying on, or who rried on, usiness in the UK nd s result re overed y the employers liility insurne of their employers, (the Climnts ): I. to identify whih insurer (or insurers) ws (or were) providing employers liility over during the relevnt periods of employment; nd II. to identify the relevnt employers liility insurne poliies. The Dtse nd the dt stored on it my e essed nd used y the Climnts, their ppointed representtives, insurers with potentil liility for UK ommeril lines employers liility insurne over nd ny other persons or entities permitted y lw. The Dtse will e mnged y the ELTO nd further informtion n e found on the ELTO wesite If your poliy provides Motor over, informtion relting to your insurne poliy will e dded to the Motor Insurne Dtse ("MID") mnged y the Motor Insurers Bureu ("MIB"). MID nd the dt stored on it my e used y ertin sttutory nd/or uthorised odies inluding the Polie, the DVLA, the DVANI, the Insurne Frud Bureu nd other odies permitted y lw for purposes not limited to ut inluding: I. Eletroni Liensing II. Continuous Insurne Enforement; III. Lw enforement (prevention, detetion, pprehension nd or proseution of offenders) IV. The provision of government servies nd or other servies imed t reduing the level nd inidene of uninsured driving. If you re involved in rod trffi ident (either in the UK, the EEA or ertin other territories), insurers nd or the MIB my serh the MID to otin relevnt informtion. Persons (inluding his or her ppointed representtives) pursuing lim in respet of rod trffi ident (inluding itizens of other ountries) my lso otin relevnt informtion whih is held on the MID. It is vitl tht the MID holds your orret registrtion numer. If it is inorretly shown on the MID you re t risk of hving your vehile seized y the Polie. You n hek tht your orret registrtion numer detils re shown on the MID t Telephone lls my e reorded for our mutul protetion, trining nd monitoring purposes. Under the Dt Protetion At 1998 individuls re entitled to request opy of ll the personl informtion Allinz Insurne pl holds out them. Plese ontt the Customer Stisftion Mnger, Allinz Insurne pl, 57 Ldymed, Guildford, Surrey, GU1 1DB. 104

107 Personl detils my e trnsferred to ountries outside the EEA. They will t ll times e held seurely nd hndled with the utmost re in ordne with ll priniples of English lw. By pplying for nd/or entering into this insurne poliy you will e deemed to speifilly onsent to the use of your dt nd your insurne poliy dt in this wy nd for these purposes nd tht your diretors, offiers, prtners, nd employees hve onsented to our using their detils in this wy. 105

108 Allinz Insurne pl. Registered in Englnd numer Registered offie: 57 Ldymed, Guildford, Surrey, GU1 1DB, United Kingdom. Allinz Insurne pl is memer of the Assoition of British Insurers. Allinz Insurne pl is uthorised y the Prudentil Regultion Authority nd regulted y the Finnil Condut Authority nd the Prudentil Regultion Authority. Finnil Servies Register numer ACOM184_