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10.16 Material changes during the policy period

10.16.1 The insured must notify the insurer as soon as reasonable of any material change to the
insured, its business or the risks insured if indemnity under this insurance is sought in
relation to any such change.
10.16.2 The insurer shall not indemnify the insured for any liability arising out of a material change
for which indemnity would otherwise have been available under this insurance unless the
insurer has provided valid confirmation of cover, whether by an express term of this policy,
endorsement, written confirmation or otherwise.
10.17 Minimisation of risk

10.17.1 The insured will take all reasonable steps at its own expense to prevent an insured event
arising or continuing.
10.17.2 Upon the happening of an insured event and at all times thereafter, the insured shall act as
a prudent uninsured and take all reasonable measures as are appropriate to avoid or
minimise any claims which arise or may arise from that insured event. Any failure by the
insured to take such steps shall reduce or extinguish the insurer’s liability to indemnify the
insured under the policy to the extent that such failure has increased the claim under the
policy.
10.18 Multiple periods of insurance – insured section F
Where the insurer has issued claims-made premises environmental liability coverage for the
insured premises in one or more periods of insurance and a claim is first made against the
insured and reported to the insurer in writing in accordance with the terms and conditions of
this policy, all claims arising out of the same, continuous, repeated or related pollution
condition shall be deemed to have been first made and notified to the insurer during the
period of insurance, provided the insured has maintained premises environmental liability
cover with the insurer on an uninterrupted basis since that first claim was made.

10.19 Other Insurance
10.19.1 If at the time of any claim under insured sections A to E there is any other valid and
collectible insurance available to the insured or any other insured party, other than
insurance that is specifically stated to be in excess of this policy and names the insured or
other insured party for the insurance, then the insurance afforded by this policy will be in
excess of and will not contribute with such other insurance.
10.19.2 If at the time of any claim under insured section F there is any other valid and collectible
insurance in force, which covers the insured for clean-up costs, loss or defence costs to
which this insured section F applies, this insured section F is primary and will operate as if
such other insurance were not in force other than with respect to any insurance available
under insured sections A to E of this policy where insured section F will be excess
thereof.

10.20 Premium adjustment – Insured sections A - E
Where the premium in whole or part is provisionally based on estimates provided by the
insured, the insured will keep accurate records and declare such information as the insurer
requires within three (3) months of the expiry of the period of insurance. The premium will
then be adjusted and any difference paid by or allowed to the insured as the case may be
but subject to any minimum premium that may apply. The insurer reserves the right to
request that the insured supplies an auditor’s certificate with such calculations as are
subject to adjustment attesting the accuracy thereof.

10.21 Records
The insurer may hold documents relating to this insurance and any claims under it in
electronic form and may destroy the originals. An electronic copy of any such document will
be admissible in evidence to the same extent as, and carry the same weight as, the original.

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 36 of 48