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9 Duties in the event of a claim or potential claim
The due observance and fulfilment of Claim notification, Insured’s duties and Claim
procedure is a condition precedent to the insurer’s liability for any claim under this policy.
The ‘Compliance with policy terms’ clause sets out the consequences of a failure to comply
with conditions precedent or policy provisions such as the said clauses.
9.1 Claim notification – insured sections A-E

9.1.1 In respect of insured sections A, B, C, D and E, the insured will give notice in writing or by
an agreed electronic medium to the insurer:
a) immediately on but in any event within fourteen (14) days from:
i) receipt of notice of any impending inquest, fatal accident inquiry, prosecution or
other legal proceedings that include alleged personal injury;
ii) coming into possession of actual knowledge that notice of an Industrial Tribunal
hearing includes alleged personal injury;
iii) the insured’s actual knowledge of any death or personal injury to any person
involving a stay in hospital in excess of three (3) business days;
b) as soon as practicable after any other accident, event or the coming into possession of
actual knowledge of personal injury or damage, with full particulars thereof;
which may be the subject of indemnity under this policy.
9.1.2 Such notice to the insurer must be given in writing or by an agreed electronic format to the
claims notification addresses specified in the schedule.
9.2 Claim notification – insured section F
In respect of insured section F, the insured shall notify the insurer of any claim as soon as
possible but in any event within fourteen (14) days of becoming aware of an actual or alleged
pollution condition and always prior to the end of the period of insurance. Wherever
possible, such notification must include the following information:
a) how, when and where the pollution condition took place;
b) names and addresses of any injured parties or witnesses;
c) nature and location of any injury or damage that has or could arise out of such pollution
condition;
d) date the claim was received;
e) any response or actions taken by the insured.

9.2.2 The insured must immediately provide to the insurer copies of all written communications,
demands, writs, summonses, remediation notices, statements, declarations or similar,
instructions, notices, orders, documents or other papers filed in any court of law or by any
regulator.
9.2.3 Any notifications should be made to the insurer at the address stated in the schedule.
9.3 Legal defence and expenses – insured section F only
The insurer shall have the right but not the duty to defend the insured against a claim to
which this policy applies. The insurer’s right to defend and continue defending and to pay
for any clean-up costs, loss, and defence costs shall cease once the limit of liability is
exhausted. Defence costs are included within the limit of liability under this section F and
shall erode such limit of liability under this section F. Defence costs are also included within
any retention applicable.
The insurer shall have the right at any time to take over and conduct in the name of the
insured, the investigation, adjustment and settlement of any claim to which this policy
applies. The insurer will have total discretion in the conduct of any such proceedings and
settlement of any claim.

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 30 of 48