PPBL010121 Public Authority Combined Liability Insurance Policy (UK) :@0.119792:0.943001:0.548797:0.943001:0.548797:0.932403:0.119792:0.932403:0.009395:0.009395:0.009395:0.008051:0.008051:0.008051:0.008229:0.008065:0.006720:0.008065:0.002739:0.009395:0.008051:0.008051:0.002688:0.002688:0.006720:0.002688:0.009395:0.008051:0.004019:0.006720:0.008051:0.004032:0.002688:0.004019:0.006720:0.002688:0.009409:0.008051:0.010753:0.008051:0.002688:0.008051:0.008051:0.008051:0.002688:0.008051:0.002688:0.008051:0.006720:0.002688:0.002688:0.002688:0.004019:0.006720:0.002688:0.004019:0.008051:0.006720:0.008051:0.004032:0.008051:0.008051:0.006720:0.006720:0.002688:0.009395:0.008051:0.002688:0.002688:0.006720:0.006720:0.002688:0.004032:0.009409:0.009395:0.004758:0.003737 Page 3 of 48 :@0.604301:0.943001:0.783004:0.943001:0.783004:0.932403:0.604301:0.932403:0.004019:0.004019:0.002688:0.004019:0.004019:0.004019:0.002688:0.004019:0.004019:0.004019:0.004019:0.002688:0.004019:0.004019:0.004019:0.002688:0.004019:0.004019:0.004019:0.004019:0.002688:0.004019:0.004019:0.004019:0.002688:0.004405:0.009395:0.008051:0.008051:0.008051:0.002792:0.008098:0.002688:0.008051:0.004019:0.002715:0.008065:0.008098:0.003737 :@0.905796:0.944332:0.908834:0.944332:0.908834:0.934827:0.905796:0.934827:0.003038 :@0.882897:0.954408:0.886633:0.954408:0.886633:0.943809:0.882897:0.943809:0.003737 1 :@0.119792:0.111097:0.139970:0.111097:0.139970:0.091986:0.119792:0.091986:0.013441:0.006737 Our agreement in general :@0.191112:0.111097:0.485854:0.111097:0.485854:0.091986:0.191112:0.091986:0.018855:0.014808:0.009428:0.005332:0.013475:0.014808:0.009355:0.013475:0.013475:0.021545:0.013378:0.014808:0.008070:0.003999:0.006738:0.014808:0.005332:0.014808:0.013475:0.014735:0.013475:0.009428:0.013378:0.007017:0.006738 1.1 :@0.119792:0.141896:0.153664:0.141896:0.153664:0.125998:0.119792:0.125998:0.010746:0.005383:0.012139:0.005605 Parties to this agreement :@0.191112:0.141896:0.443021:0.141896:0.443021:0.125998:0.191112:0.125998:0.013448:0.010746:0.008044:0.006714:0.005383:0.010746:0.010746:0.006694:0.006714:0.012097:0.006694:0.006714:0.012097:0.005383:0.010746:0.005383:0.010746:0.012097:0.008044:0.010746:0.010746:0.017520:0.010746:0.012097:0.006714:0.008501:0.005605 This :@0.191112:0.158643:0.228173:0.158643:0.228173:0.144865:0.191112:0.144865:0.009401:0.009401:0.004019:0.009383:0.004858 policy:@0.230141:0.158643:0.281442:0.158643:0.281442:0.144865:0.230141:0.144865:0.010728:0.010728:0.005364:0.005364:0.009401:0.009715 is between the :@0.281300:0.158643:0.409651:0.158643:0.409651:0.144865:0.281300:0.144865:0.006720:0.004019:0.009383:0.006710:0.010728:0.009401:0.005364:0.012091:0.009401:0.009401:0.009401:0.006710:0.005364:0.009401:0.009401:0.004858 insured:@0.411845:0.158643:0.474870:0.158643:0.474870:0.144865:0.411845:0.144865:0.005364:0.010728:0.009401:0.010728:0.006727:0.009401:0.010676 and the :@0.475084:0.158643:0.547067:0.158643:0.547067:0.144865:0.475084:0.144865:0.006720:0.009401:0.009401:0.010728:0.006710:0.005364:0.009401:0.009401:0.004858 insurer:@0.549110:0.158643:0.608256:0.158643:0.608256:0.144865:0.549110:0.144865:0.005364:0.010728:0.009401:0.010728:0.006727:0.009401:0.006797 as declared in the :@0.608333:0.158643:0.763539:0.158643:0.763539:0.144865:0.608333:0.144865:0.006754:0.009401:0.009383:0.006710:0.010728:0.009401:0.009383:0.004019:0.009401:0.005382:0.009401:0.010728:0.006710:0.004019:0.009401:0.005364:0.005364:0.009401:0.009401:0.004858 schedule:@0.764449:0.158643:0.839915:0.158643:0.839915:0.144865:0.764449:0.144865:0.009401:0.009401:0.010728:0.009401:0.010728:0.010728:0.005364:0.009715 . This :@0.839852:0.158643:0.887641:0.158643:0.887641:0.144865:0.839852:0.144865:0.005364:0.005364:0.009401:0.009401:0.004019:0.009383:0.004858 document, together with its :@0.191112:0.172902:0.400297:0.172902:0.400297:0.159123:0.191112:0.159123:0.010728:0.010728:0.009383:0.009401:0.014765:0.008073:0.009401:0.005364:0.004036:0.004260:0.005364:0.009401:0.009401:0.009401:0.005364:0.009401:0.009401:0.005382:0.004036:0.012091:0.004019:0.004036:0.009401:0.004036:0.004019:0.005364:0.008073:0.004858 schedule:@0.399748:0.172902:0.473886:0.172902:0.473886:0.159123:0.399748:0.159123:0.009401:0.009401:0.010728:0.009401:0.010728:0.010728:0.004036:0.009715 and any attached endorsements is the :@0.473757:0.172902:0.768699:0.172902:0.768699:0.159123:0.473757:0.159123:0.004032:0.009401:0.009401:0.009401:0.004036:0.009401:0.009401:0.009383:0.004036:0.009401:0.005364:0.004036:0.009401:0.009383:0.009401:0.008073:0.009401:0.004036:0.009401:0.009401:0.010728:0.009401:0.005382:0.008073:0.009401:0.013437:0.009401:0.009401:0.005364:0.008073:0.004036:0.004019:0.009383:0.004036:0.005364:0.009401:0.009401:0.004858 policy:@0.769825:0.172902:0.826491:0.172902:0.826491:0.159123:0.769825:0.159123:0.012074:0.012074:0.006710:0.005364:0.010728:0.009715 which :@0.827705:0.172902:0.887580:0.172902:0.887580:0.159123:0.827705:0.159123:0.005376:0.013419:0.010728:0.005364:0.010728:0.009401:0.004858 sets out this insurance. It is a legal contract so please read all of it carefully. :@0.191112:0.186233:0.762586:0.186233:0.762586:0.172455:0.191112:0.172455:0.009383:0.009401:0.005364:0.009383:0.004036:0.010728:0.009401:0.005364:0.004036:0.005364:0.009401:0.002691:0.009383:0.004036:0.004019:0.009401:0.008073:0.009401:0.005382:0.009401:0.009401:0.008073:0.009401:0.005364:0.004036:0.004036:0.005364:0.004036:0.004019:0.009383:0.004036:0.009401:0.004036:0.004019:0.009401:0.009401:0.009401:0.004019:0.004036:0.009383:0.009401:0.009401:0.004036:0.005382:0.009401:0.009383:0.004036:0.004036:0.009383:0.009401:0.004036:0.009401:0.004019:0.009401:0.009401:0.008073:0.009401:0.004036:0.005382:0.009401:0.009401:0.009401:0.004036:0.009401:0.004019:0.004019:0.004036:0.009401:0.005364:0.004036:0.004019:0.005364:0.004036:0.009383:0.009401:0.005382:0.008073:0.005364:0.009401:0.004019:0.004019:0.008073:0.006673:0.004858 1.2 :@0.119792:0.213272:0.153664:0.213272:0.153664:0.197374:0.119792:0.197374:0.010746:0.005383:0.012139:0.005605 Words in bold :@0.191112:0.213272:0.336720:0.213272:0.336720:0.197374:0.191112:0.197374:0.018851:0.012097:0.008044:0.012097:0.010746:0.006694:0.005383:0.012097:0.005383:0.012097:0.012097:0.005383:0.012097:0.006939:0.005605 Words in bold typeface used in this :@0.191112:0.230946:0.460530:0.230946:0.460530:0.217167:0.191112:0.217167:0.016163:0.010728:0.005382:0.010728:0.009383:0.004036:0.004019:0.009401:0.004036:0.010728:0.009401:0.002691:0.009401:0.004036:0.005364:0.009383:0.009401:0.008073:0.005364:0.009401:0.008073:0.009401:0.004036:0.009401:0.009383:0.009401:0.009401:0.004036:0.004019:0.009401:0.004036:0.005364:0.009401:0.004019:0.008073:0.004858 policy:@0.460316:0.230946:0.508961:0.230946:0.508961:0.217167:0.460316:0.217167:0.010728:0.010728:0.004036:0.005364:0.008073:0.009715 document, other than in the headings, have :@0.508737:0.230946:0.887606:0.230946:0.887606:0.217167:0.508737:0.217167:0.004032:0.010728:0.009401:0.008073:0.009401:0.013437:0.009401:0.009401:0.005364:0.005364:0.005364:0.012074:0.005364:0.010728:0.010728:0.006710:0.005364:0.006710:0.010728:0.010728:0.010728:0.005364:0.005364:0.010728:0.005364:0.006710:0.010728:0.010728:0.005364:0.010728:0.010728:0.010728:0.010728:0.005364:0.010728:0.010728:0.009383:0.004858:0.002926:0.005360:0.010728:0.010728:0.009383:0.010728:0.004858 specific meanings attached to them as set out in the General definitions and interpretation. :@0.191112:0.244278:0.872969:0.244278:0.872969:0.230499:0.191112:0.230499:0.009383:0.010728:0.009401:0.009383:0.004019:0.005364:0.002691:0.009383:0.004036:0.014765:0.009401:0.008073:0.009401:0.004019:0.009401:0.009401:0.008073:0.004036:0.009401:0.005364:0.005364:0.009401:0.008073:0.009401:0.009401:0.009401:0.004036:0.005364:0.009401:0.004036:0.005364:0.009401:0.009401:0.013437:0.004036:0.009401:0.009383:0.004036:0.008073:0.009401:0.005364:0.004036:0.009401:0.009401:0.005364:0.004036:0.004019:0.009401:0.004036:0.005364:0.009401:0.009401:0.004036:0.013437:0.009401:0.009401:0.009401:0.005382:0.009401:0.004019:0.004036:0.009401:0.008073:0.005364:0.004019:0.009401:0.004019:0.004036:0.004019:0.009401:0.009401:0.008073:0.004036:0.009401:0.009401:0.010728:0.004036:0.004019:0.009401:0.004036:0.009401:0.005382:0.009401:0.005382:0.009401:0.005364:0.009401:0.004036:0.004019:0.009401:0.009401:0.006888:0.004858 1.3 :@0.119792:0.271328:0.153664:0.271328:0.153664:0.255430:0.119792:0.255430:0.010746:0.005383:0.012139:0.005605 Policy structure :@0.191112:0.271328:0.355521:0.271328:0.355521:0.255430:0.191112:0.255430:0.013448:0.012097:0.005383:0.005383:0.010746:0.010746:0.006694:0.010746:0.006714:0.008044:0.012097:0.010746:0.006714:0.012097:0.008044:0.010746:0.008360:0.005605 1.3.1 :@0.119792:0.294693:0.162326:0.294693:0.162326:0.280915:0.119792:0.280915:0.009401:0.005364:0.009401:0.005364:0.008147:0.004858 The :@0.191112:0.294693:0.224171:0.294693:0.224171:0.280915:0.191112:0.280915:0.009401:0.009401:0.009401:0.004858 insured sections:@0.224748:0.294693:0.362173:0.294693:0.362173:0.280915:0.224748:0.280915:0.005364:0.010728:0.009401:0.010728:0.006727:0.009401:0.010676:0.004280:0.009401:0.009401:0.009401:0.005382:0.005364:0.010728:0.010728:0.009715 :@0.288021:0.294693:0.292878:0.294693:0.292878:0.280915:0.288021:0.280915:0.004858 set out the scope of main coverage and the circumstances in which :@0.362030:0.294693:0.886550:0.294693:0.886550:0.280915:0.362030:0.280915:0.004066:0.009383:0.009401:0.004036:0.004036:0.010728:0.009401:0.004036:0.004036:0.005364:0.009401:0.009401:0.004036:0.009383:0.008073:0.009401:0.009401:0.009401:0.004036:0.009401:0.005364:0.004036:0.014765:0.009401:0.004019:0.008073:0.004036:0.009383:0.009401:0.008073:0.009401:0.005382:0.009401:0.009401:0.009401:0.004036:0.009401:0.009401:0.010728:0.004036:0.005364:0.009401:0.009401:0.004036:0.008073:0.004019:0.005382:0.008073:0.009401:0.014765:0.008073:0.005364:0.009401:0.008073:0.009383:0.010728:0.009383:0.005364:0.005364:0.010728:0.005364:0.013419:0.010728:0.005364:0.010728:0.010728:0.004858 the :@0.191112:0.308976:0.220135:0.308976:0.220135:0.295197:0.191112:0.295197:0.005364:0.009401:0.009401:0.004858 insurer’s:@0.219388:0.308976:0.293544:0.308976:0.293544:0.295197:0.219388:0.295197:0.005364:0.010728:0.009401:0.010728:0.006727:0.009401:0.006727:0.005364:0.009715 liability to the :@0.293397:0.308976:0.400276:0.308976:0.400276:0.295197:0.293397:0.295197:0.004032:0.004019:0.004019:0.009401:0.010728:0.002691:0.004019:0.004019:0.004036:0.009383:0.004036:0.005364:0.009401:0.004036:0.004036:0.009401:0.009401:0.004858 insured:@0.399748:0.308976:0.461428:0.308976:0.461428:0.295197:0.399748:0.295197:0.005364:0.010728:0.009401:0.010728:0.005382:0.009401:0.010676 is limited or may be excluded. Further, each :@0.461643:0.308976:0.810412:0.308976:0.810412:0.295197:0.461643:0.295197:0.004032:0.004019:0.009383:0.004036:0.004019:0.004019:0.013437:0.004019:0.004036:0.009401:0.009401:0.004036:0.010728:0.005622:0.004032:0.014765:0.009401:0.008073:0.004036:0.009401:0.009401:0.004036:0.009401:0.009383:0.008073:0.004019:0.009401:0.009401:0.009401:0.009401:0.004036:0.004036:0.010728:0.009401:0.005382:0.006710:0.010728:0.010728:0.006710:0.005364:0.005364:0.010728:0.010728:0.010728:0.010728:0.004858 insured:@0.811576:0.308976:0.881294:0.308976:0.881294:0.295197:0.811576:0.295197:0.006710:0.012074:0.009401:0.012074:0.008055:0.010728:0.010676 :@0.882897:0.308976:0.887754:0.308976:0.887754:0.295197:0.882897:0.295197:0.004858 section:@0.191112:0.323234:0.251464:0.323234:0.251464:0.309456:0.191112:0.309456:0.009401:0.009401:0.009401:0.005382:0.005364:0.010728:0.010676 sets out other terms and conditions. The cover by each :@0.251680:0.323234:0.674159:0.323234:0.674159:0.309456:0.251680:0.309456:0.004032:0.009383:0.009401:0.005364:0.009383:0.004036:0.010728:0.009401:0.004036:0.004036:0.009401:0.005364:0.009401:0.009401:0.005382:0.004036:0.005364:0.009401:0.005382:0.013437:0.009383:0.004036:0.009401:0.009401:0.009401:0.004036:0.009383:0.009401:0.009401:0.009401:0.002691:0.005364:0.004019:0.009401:0.009401:0.008073:0.004036:0.004036:0.009401:0.009401:0.009401:0.004036:0.009383:0.010728:0.008073:0.009401:0.005382:0.004036:0.010728:0.008073:0.004036:0.009401:0.009401:0.009383:0.010728:0.004858 insured section:@0.675622:0.323234:0.819363:0.323234:0.819363:0.309456:0.675622:0.309456:0.006710:0.010728:0.010728:0.012074:0.008055:0.010728:0.010676:0.005686:0.010728:0.010728:0.010728:0.006710:0.006710:0.012074:0.010676 :@0.745632:0.323234:0.750489:0.323234:0.750489:0.309456:0.745632:0.309456:0.004858 is only :@0.819640:0.323234:0.887536:0.323234:0.887536:0.309456:0.819640:0.309456:0.005376:0.005364:0.010728:0.005364:0.010728:0.010728:0.005364:0.009383:0.004858 operative if stated as ‘insured’ in the :@0.191112:0.336578:0.492524:0.336578:0.492524:0.322799:0.191112:0.322799:0.010728:0.010728:0.009401:0.005382:0.009401:0.005364:0.004019:0.009383:0.009401:0.006710:0.004019:0.006710:0.006710:0.009383:0.005364:0.009401:0.005364:0.009401:0.010728:0.006710:0.009401:0.009383:0.006710:0.004019:0.004019:0.009401:0.009383:0.009401:0.005382:0.009401:0.010728:0.004019:0.006710:0.004019:0.009401:0.006710:0.005364:0.009401:0.009401:0.004858 schedule:@0.495296:0.336578:0.570762:0.336578:0.570762:0.322799:0.495296:0.322799:0.009401:0.009401:0.010728:0.009401:0.010728:0.010728:0.005364:0.009715 . Where any :@0.570649:0.336578:0.672220:0.336578:0.672220:0.322799:0.570649:0.322799:0.005364:0.006710:0.016163:0.009401:0.009401:0.005382:0.009401:0.006710:0.009401:0.009401:0.009383:0.004858 schedule:@0.674278:0.336578:0.749744:0.336578:0.749744:0.322799:0.674278:0.322799:0.009401:0.009401:0.010728:0.009401:0.010728:0.010728:0.005364:0.009715 heading or sub-:@0.749664:0.336578:0.883339:0.336578:0.883339:0.322799:0.749664:0.322799:0.006720:0.009401:0.009401:0.009401:0.010728:0.004019:0.009401:0.010728:0.006710:0.010728:0.005382:0.005364:0.009383:0.009401:0.011090:0.005819 heading states ‘n/a’, ‘not applicable’ or ‘not insured’ then no cover applies for that item. :@0.191112:0.350837:0.847398:0.350837:0.847398:0.337058:0.191112:0.337058:0.009401:0.009401:0.009401:0.010728:0.004019:0.009401:0.010728:0.004036:0.009383:0.005364:0.009401:0.004036:0.009401:0.008073:0.004036:0.004019:0.009401:0.005364:0.009401:0.004019:0.004036:0.004036:0.004019:0.009401:0.009401:0.005364:0.004036:0.009401:0.009401:0.009401:0.004019:0.004019:0.008073:0.009401:0.009401:0.004019:0.009401:0.002691:0.004036:0.010728:0.005382:0.004036:0.004019:0.009401:0.010151:0.005364:0.004036:0.004019:0.009401:0.008073:0.009401:0.005382:0.009401:0.009401:0.004019:0.004036:0.005364:0.009401:0.009401:0.009401:0.004036:0.009401:0.009401:0.004036:0.009383:0.009401:0.008073:0.009401:0.005382:0.004036:0.009401:0.009401:0.009401:0.004019:0.004019:0.009401:0.008073:0.004036:0.005364:0.009401:0.005382:0.004036:0.005364:0.009401:0.009401:0.005364:0.004036:0.004019:0.004036:0.009401:0.014765:0.004036:0.004749:0.004858 1.3.2 :@0.119792:0.370822:0.162326:0.370822:0.162326:0.357044:0.119792:0.357044:0.009401:0.005364:0.009401:0.005364:0.008147:0.004858 Additional clauses set out terms, exclusions or limitations that may apply to more than one :@0.191112:0.370822:0.886140:0.370822:0.886140:0.357044:0.191112:0.357044:0.012074:0.010728:0.010728:0.004019:0.004036:0.004019:0.009401:0.009401:0.009401:0.004019:0.004036:0.009383:0.002691:0.009401:0.009401:0.009383:0.009401:0.008073:0.004036:0.008073:0.009401:0.005364:0.004036:0.009401:0.009401:0.005364:0.004036:0.005364:0.009401:0.005382:0.013437:0.008073:0.005364:0.004036:0.009401:0.009383:0.008073:0.004019:0.009401:0.008073:0.004019:0.009401:0.009401:0.008073:0.004036:0.009401:0.005382:0.004036:0.004019:0.004019:0.014765:0.004019:0.004036:0.009401:0.004036:0.004019:0.009401:0.009401:0.008073:0.004036:0.005364:0.009401:0.009401:0.005364:0.004036:0.014765:0.009401:0.008073:0.004036:0.009401:0.009401:0.009401:0.004019:0.008073:0.004036:0.005364:0.009401:0.004036:0.016145:0.010728:0.006710:0.010728:0.005364:0.006710:0.010728:0.010728:0.010728:0.005364:0.010728:0.010728:0.010728:0.004858 insured section:@0.191112:0.385081:0.318753:0.385081:0.318753:0.371302:0.191112:0.371302:0.005364:0.010728:0.009401:0.010728:0.006727:0.009401:0.010676:0.004263:0.009401:0.009401:0.009401:0.005382:0.005364:0.010728:0.010676 :@0.254368:0.385081:0.259226:0.385081:0.259226:0.371302:0.254368:0.371302:0.004858 . :@0.318968:0.385081:0.329202:0.385081:0.329202:0.371302:0.318968:0.371302:0.005376:0.004858 1.3.3 :@0.119792:0.405078:0.162326:0.405078:0.162326:0.391300:0.119792:0.391300:0.009401:0.005364:0.009401:0.005364:0.008147:0.004858 The following general terms apply to all :@0.191112:0.405078:0.491370:0.405078:0.491370:0.391300:0.191112:0.391300:0.009401:0.009401:0.009401:0.005364:0.006710:0.010728:0.004019:0.004019:0.009401:0.012091:0.004019:0.009401:0.009401:0.004036:0.009401:0.009401:0.009401:0.009401:0.005382:0.009401:0.004019:0.004036:0.005364:0.009401:0.005382:0.013437:0.009383:0.004036:0.009401:0.009401:0.009401:0.004019:0.008073:0.004036:0.005364:0.009401:0.004036:0.009401:0.004019:0.004019:0.004858 insured sections:@0.491263:0.405078:0.625983:0.405078:0.625983:0.391300:0.491263:0.391300:0.005364:0.009401:0.009401:0.010728:0.006727:0.009401:0.010676:0.002903:0.009401:0.009401:0.009401:0.005382:0.005364:0.010728:0.010728:0.009715 :@0.551831:0.405078:0.556689:0.405078:0.556689:0.391300:0.551831:0.391300:0.004858 , clauses and endorsements: :@0.625840:0.405078:0.848742:0.405078:0.848742:0.391300:0.625840:0.391300:0.004036:0.004036:0.009383:0.004019:0.009401:0.008073:0.009383:0.009401:0.008073:0.004036:0.009401:0.009401:0.009401:0.004036:0.009401:0.009401:0.010728:0.009401:0.005382:0.008073:0.009401:0.013437:0.009401:0.009401:0.005364:0.008073:0.004036:0.004470:0.004858 a) claims handling terms and conditions; :@0.191112:0.419337:0.514938:0.419337:0.514938:0.405558:0.191112:0.405558:0.009409:0.005426:0.004858:0.011272:0.009383:0.004019:0.009401:0.004019:0.014765:0.009383:0.004036:0.009401:0.009401:0.009401:0.010728:0.002956:0.004019:0.009401:0.009401:0.004036:0.005364:0.009401:0.005382:0.014765:0.008073:0.004036:0.009401:0.009401:0.009401:0.004036:0.009383:0.009401:0.009401:0.009401:0.004019:0.004036:0.004019:0.009401:0.009401:0.008073:0.004036:0.004429:0.004858 b) general terms and conditions; :@0.191112:0.436471:0.455714:0.436471:0.455714:0.422692:0.191112:0.422692:0.010753:0.004082:0.004858:0.011272:0.010728:0.009401:0.009401:0.009401:0.005382:0.009401:0.004019:0.004036:0.005364:0.009401:0.005382:0.014765:0.009383:0.004036:0.009401:0.009401:0.010728:0.004036:0.008073:0.009401:0.009401:0.009401:0.004019:0.005364:0.002691:0.009401:0.009401:0.009383:0.004036:0.004548:0.004858 c) general definitions and interpretations; and :@0.191112:0.453581:0.552606:0.453581:0.552606:0.439803:0.191112:0.439803:0.009409:0.004032:0.004858:0.012666:0.010728:0.009401:0.009401:0.009401:0.005382:0.009401:0.004019:0.004036:0.010728:0.009401:0.006710:0.002691:0.009401:0.004019:0.005364:0.002691:0.009401:0.009401:0.008073:0.004036:0.009401:0.009401:0.010728:0.004036:0.004019:0.009401:0.004036:0.009401:0.005382:0.010728:0.005382:0.009401:0.004036:0.009401:0.005364:0.002691:0.009401:0.009401:0.008073:0.005364:0.004036:0.009401:0.009401:0.009401:0.004708:0.004858 d) complaints. :@0.191112:0.470727:0.319794:0.470727:0.319794:0.456949:0.191112:0.456949:0.010753:0.004082:0.004858:0.011272:0.009383:0.010728:0.014765:0.010728:0.002691:0.009401:0.004019:0.009401:0.004036:0.009383:0.004036:0.004288:0.004858 1.4 :@0.119792:0.498717:0.153664:0.498717:0.153664:0.482818:0.119792:0.482818:0.010746:0.005383:0.012139:0.005605 Period of insurance and premium :@0.191112:0.498717:0.523750:0.498717:0.523750:0.482818:0.191112:0.482818:0.013448:0.010746:0.008044:0.005383:0.012097:0.012097:0.006694:0.012097:0.006714:0.005383:0.005383:0.012097:0.010746:0.012097:0.008044:0.010746:0.012097:0.010746:0.010746:0.008044:0.010746:0.012097:0.012097:0.006694:0.012097:0.008044:0.010746:0.017520:0.005383:0.012097:0.017520:0.008545:0.005605 1.4.1 :@0.119792:0.522082:0.162326:0.522082:0.162326:0.508303:0.119792:0.508303:0.009401:0.005364:0.009401:0.005364:0.008147:0.004858 The :@0.191112:0.522082:0.224171:0.522082:0.224171:0.508303:0.191112:0.508303:0.009401:0.009401:0.009401:0.004858 policy:@0.224748:0.522082:0.276049:0.522082:0.276049:0.508303:0.224748:0.508303:0.010728:0.010728:0.005364:0.005364:0.009401:0.009715 will provide insurance as described herein for the :@0.275924:0.522082:0.651452:0.522082:0.651452:0.508303:0.275924:0.508303:0.004032:0.012091:0.004019:0.004019:0.004019:0.004036:0.010728:0.005382:0.010728:0.008073:0.002691:0.009401:0.009401:0.004036:0.004019:0.009401:0.009383:0.009401:0.005382:0.009401:0.009401:0.008073:0.009401:0.004036:0.009401:0.009383:0.004036:0.009401:0.009401:0.008073:0.009383:0.005382:0.004019:0.009401:0.008073:0.009401:0.004036:0.009401:0.009401:0.005382:0.009401:0.004019:0.009401:0.004036:0.006710:0.009401:0.005382:0.004036:0.005364:0.009401:0.009401:0.004858 period of insurance:@0.651428:0.522082:0.807647:0.522082:0.807647:0.508303:0.651428:0.508303:0.010728:0.009401:0.006727:0.004036:0.010728:0.010676:0.002844:0.010753:0.005819:0.003640:0.005364:0.010728:0.009401:0.010728:0.006727:0.009401:0.009401:0.009401:0.009715 :@0.702537:0.522082:0.727589:0.522082:0.727589:0.508303:0.702537:0.508303:0.004858:0.015337:0.004858 provided :@0.807544:0.522082:0.887549:0.522082:0.887549:0.508303:0.807544:0.508303:0.004032:0.009401:0.005382:0.010728:0.009383:0.005364:0.010728:0.009401:0.010728:0.004858 the premium and other charges are paid to and accepted by the :@0.191112:0.536364:0.673054:0.536364:0.673054:0.522586:0.191112:0.522586:0.005364:0.009401:0.009401:0.004036:0.010728:0.005382:0.009401:0.014765:0.004019:0.009401:0.014765:0.004036:0.009401:0.009401:0.011046:0.004032:0.009401:0.005364:0.009401:0.009401:0.005382:0.004036:0.008073:0.009401:0.009401:0.005382:0.010728:0.008073:0.009383:0.004036:0.009401:0.005382:0.009401:0.004036:0.010728:0.009401:0.002691:0.009401:0.004036:0.005364:0.009401:0.004036:0.009401:0.009401:0.010728:0.004036:0.009401:0.008073:0.009383:0.008073:0.009401:0.005364:0.009401:0.009401:0.004036:0.009401:0.008073:0.004036:0.005364:0.009401:0.009401:0.004858 insurer:@0.672917:0.536364:0.734719:0.536364:0.734719:0.522586:0.672917:0.522586:0.005364:0.010728:0.009401:0.010728:0.008055:0.010728:0.006797 on or before the :@0.736173:0.536364:0.887308:0.536364:0.887308:0.522586:0.736173:0.522586:0.005427:0.012074:0.010728:0.005364:0.010728:0.006710:0.005364:0.012074:0.009401:0.006710:0.010728:0.006710:0.010728:0.005364:0.006710:0.010728:0.010728:0.004858 payment date shown in the :@0.191112:0.549684:0.400073:0.549684:0.400073:0.535905:0.191112:0.535905:0.010728:0.009401:0.009383:0.014765:0.009401:0.009401:0.005364:0.004036:0.009401:0.009401:0.005364:0.009401:0.004036:0.008073:0.009401:0.009401:0.012091:0.009401:0.004036:0.004019:0.009401:0.004036:0.005364:0.009401:0.009401:0.004858 schedule:@0.399748:0.549684:0.473886:0.549684:0.473886:0.535905:0.399748:0.535905:0.009401:0.009401:0.010728:0.009401:0.010728:0.010728:0.004036:0.009715 . Taxes, levies and other relevant fiscal charges are :@0.473757:0.549684:0.886664:0.549684:0.886664:0.535905:0.473757:0.535905:0.005364:0.004036:0.009401:0.009401:0.009383:0.009401:0.008073:0.005364:0.004036:0.004019:0.009401:0.008073:0.004019:0.009401:0.008073:0.004036:0.009401:0.009401:0.009401:0.004036:0.010728:0.004036:0.009401:0.009401:0.005382:0.004036:0.005382:0.009401:0.004019:0.009401:0.009383:0.009401:0.009401:0.004036:0.005364:0.006710:0.005364:0.009383:0.009383:0.010728:0.005364:0.005364:0.010728:0.010728:0.010728:0.006710:0.010728:0.010728:0.009383:0.005364:0.010728:0.006710:0.010728:0.004858 payable in addition to the premium. :@0.191112:0.563966:0.466501:0.563966:0.466501:0.550188:0.191112:0.550188:0.010728:0.009401:0.009383:0.009401:0.010728:0.004019:0.009401:0.004036:0.004019:0.009401:0.004036:0.009401:0.009401:0.009401:0.004019:0.005364:0.002691:0.009401:0.009401:0.004036:0.005364:0.009401:0.004036:0.005364:0.009401:0.009401:0.004036:0.009401:0.005382:0.009401:0.014765:0.004019:0.009401:0.013437:0.005364:0.004695:0.004858 1.4.2 :@0.119792:0.583928:0.162326:0.583928:0.162326:0.570150:0.119792:0.570150:0.009401:0.005364:0.009401:0.005364:0.008147:0.004858 The premium is deemed paid and accepted on receipt by the :@0.191112:0.583928:0.707286:0.583928:0.707286:0.570150:0.191112:0.570150:0.009401:0.009401:0.009401:0.004858:0.003198:0.010728:0.005382:0.009401:0.014765:0.004019:0.009401:0.014765:0.004858:0.003198:0.004019:0.009383:0.004858:0.003198:0.010728:0.009401:0.009401:0.014765:0.009401:0.010728:0.004858:0.003198:0.010728:0.009401:0.004019:0.010728:0.004858:0.003198:0.009401:0.009401:0.010728:0.004858:0.003198:0.009401:0.009383:0.009383:0.009401:0.010728:0.005364:0.009401:0.010728:0.004858:0.003198:0.010728:0.009401:0.004858:0.003198:0.005382:0.009401:0.009383:0.009401:0.004019:0.010728:0.005364:0.004858:0.003198:0.010728:0.009383:0.004858:0.003198:0.005364:0.009401:0.009401:0.004858 insurer:@0.711996:0.583928:0.771138:0.583928:0.771138:0.570150:0.711996:0.570150:0.005360:0.010728:0.009401:0.010728:0.006727:0.009401:0.006797 or the broker :@0.771169:0.583928:0.887497:0.583928:0.887497:0.570150:0.771169:0.570150:0.006771:0.010728:0.005382:0.006710:0.005364:0.009401:0.009401:0.006710:0.010728:0.005382:0.010728:0.009383:0.009401:0.005382:0.004858 appointed to place this insurance with the :@0.191112:0.598222:0.507498:0.598222:0.507498:0.584444:0.191112:0.584444:0.009401:0.010728:0.010728:0.010728:0.004019:0.009401:0.004036:0.009401:0.009401:0.004036:0.005364:0.009401:0.004036:0.009401:0.004019:0.009401:0.008073:0.009401:0.004036:0.005364:0.009401:0.004019:0.008073:0.004036:0.004019:0.009401:0.009383:0.008073:0.005382:0.009401:0.009401:0.009383:0.009401:0.004036:0.012091:0.004019:0.005364:0.008073:0.004036:0.005364:0.009401:0.009401:0.004858 insurer:@0.507392:0.598222:0.565211:0.598222:0.565211:0.584444:0.507392:0.584444:0.005364:0.010728:0.009401:0.009401:0.006727:0.009401:0.006797 . :@0.565272:0.598222:0.579538:0.598222:0.579538:0.584444:0.565272:0.584444:0.005377:0.004032:0.004858 1.4.3 :@0.119792:0.618208:0.162326:0.618208:0.162326:0.604430:0.119792:0.604430:0.009401:0.005364:0.009401:0.005364:0.008147:0.004858 If any premium (including the instalment of premium) is not paid and accepted by the :@0.191112:0.618208:0.828479:0.618208:0.828479:0.604430:0.191112:0.604430:0.004036:0.006710:0.004036:0.009401:0.009401:0.009383:0.004036:0.010728:0.005382:0.009401:0.014765:0.004019:0.009401:0.014765:0.004036:0.005382:0.004019:0.009401:0.008073:0.004019:0.009401:0.009401:0.004019:0.009401:0.009401:0.004036:0.005364:0.009401:0.008073:0.004036:0.004019:0.009401:0.009383:0.004036:0.009401:0.004019:0.014765:0.009401:0.008073:0.005364:0.004036:0.009401:0.005364:0.004036:0.009401:0.005382:0.009401:0.014765:0.004019:0.009401:0.013437:0.005382:0.004036:0.004019:0.009383:0.004036:0.009401:0.009401:0.004036:0.004036:0.010728:0.009401:0.004019:0.009401:0.004036:0.009401:0.009401:0.009401:0.004036:0.009401:0.009383:0.008073:0.009401:0.009401:0.004036:0.009401:0.009401:0.004036:0.010728:0.008073:0.004036:0.005364:0.009401:0.009401:0.004858 insurer:@0.829049:0.618208:0.884194:0.618208:0.884194:0.604430:0.829049:0.604430:0.005364:0.009401:0.009401:0.010728:0.005382:0.008073:0.006797 :@0.882897:0.618208:0.887754:0.618208:0.887754:0.604430:0.882897:0.604430:0.004858 on or before its payment date shown in the :@0.191112:0.632467:0.516951:0.632467:0.516951:0.618688:0.191112:0.618688:0.010728:0.009401:0.004036:0.010728:0.005382:0.004036:0.010728:0.009401:0.005364:0.009401:0.005382:0.009401:0.004036:0.004019:0.005364:0.008073:0.004036:0.010728:0.009401:0.008073:0.013437:0.009401:0.009401:0.005364:0.004036:0.009401:0.009401:0.005364:0.009401:0.004036:0.008073:0.009401:0.009401:0.012091:0.009401:0.004036:0.004019:0.009401:0.004036:0.005364:0.009401:0.009401:0.004858 schedule:@0.516801:0.632467:0.590940:0.632467:0.590940:0.618688:0.516801:0.618688:0.009401:0.009401:0.010728:0.009401:0.010728:0.009401:0.005364:0.009715 the :@0.590860:0.632467:0.623915:0.632467:0.623915:0.618688:0.590860:0.618688:0.004032:0.005364:0.009401:0.009401:0.004858 insurer:@0.623152:0.632467:0.680970:0.632467:0.680970:0.618688:0.623152:0.618688:0.005364:0.009401:0.009401:0.010728:0.006727:0.009401:0.006797 can give written notice to :@0.681032:0.632467:0.887755:0.632467:0.887755:0.618688:0.681032:0.618688:0.004032:0.008073:0.009401:0.009401:0.004036:0.010728:0.002691:0.009383:0.009401:0.004036:0.012091:0.005382:0.004019:0.005364:0.004036:0.009401:0.009401:0.004036:0.010728:0.010728:0.006710:0.005364:0.009383:0.010728:0.005364:0.007194:0.010753:0.004858 the :@0.191112:0.646725:0.220135:0.646725:0.220135:0.632947:0.191112:0.632947:0.005364:0.009401:0.009401:0.004858 insured:@0.219388:0.646725:0.282414:0.646725:0.282414:0.632947:0.219388:0.632947:0.005364:0.010728:0.009401:0.010728:0.006727:0.009401:0.010676 at its address shown on the :@0.282644:0.646725:0.498329:0.646725:0.498329:0.632947:0.282644:0.632947:0.004032:0.009401:0.005364:0.004036:0.004019:0.005364:0.009383:0.004036:0.009401:0.009401:0.009401:0.005382:0.009401:0.009383:0.008073:0.004036:0.009383:0.008073:0.009401:0.012091:0.009401:0.004036:0.010728:0.009401:0.004036:0.005364:0.009401:0.009401:0.004858 schedule:@0.497984:0.646725:0.570794:0.646725:0.570794:0.632947:0.497984:0.632947:0.009401:0.009401:0.010728:0.009401:0.009401:0.010728:0.004036:0.009715 , cancelling the :@0.570649:0.646725:0.688295:0.646725:0.688295:0.632947:0.570649:0.632947:0.005364:0.004036:0.008073:0.009401:0.009401:0.009383:0.009401:0.002691:0.004019:0.004019:0.009401:0.009401:0.004036:0.005364:0.009401:0.009401:0.004858 policy:@0.687752:0.646725:0.736397:0.646725:0.736397:0.632947:0.687752:0.632947:0.010728:0.009401:0.005364:0.004036:0.009401:0.009715 with effect from the :@0.736173:0.646725:0.887433:0.646725:0.887433:0.632947:0.736173:0.632947:0.004049:0.012091:0.004019:0.005364:0.009401:0.004036:0.009401:0.005364:0.004036:0.009401:0.009383:0.004036:0.004036:0.005364:0.005382:0.009401:0.014765:0.004036:0.004036:0.009401:0.009401:0.004858 seventh (7th) day after the notice has been served, but that cancellation will be prevented :@0.191112:0.660069:0.886053:0.660069:0.886053:0.646290:0.191112:0.646290:0.009383:0.009401:0.009383:0.009401:0.009401:0.005364:0.009401:0.004036:0.005382:0.009401:0.005364:0.009401:0.005382:0.004036:0.010728:0.009401:0.009383:0.004036:0.008073:0.005364:0.005364:0.009401:0.005382:0.004036:0.005364:0.009401:0.009401:0.004036:0.009401:0.009401:0.005364:0.004019:0.008073:0.009401:0.004036:0.009401:0.009401:0.008073:0.004036:0.010728:0.009401:0.009401:0.009401:0.004036:0.008073:0.009401:0.005382:0.009383:0.009401:0.009401:0.004036:0.004036:0.010728:0.008073:0.005364:0.004036:0.005364:0.009401:0.009401:0.004036:0.004036:0.009383:0.009401:0.009401:0.008073:0.009401:0.004019:0.004019:0.009401:0.004036:0.004019:0.009401:0.009401:0.004036:0.013419:0.005364:0.005364:0.005364:0.005364:0.010728:0.010728:0.005364:0.010728:0.006710:0.010728:0.010728:0.010728:0.010728:0.005364:0.010728:0.010728:0.004858 from taking effect and the :@0.191112:0.673365:0.389362:0.673365:0.389362:0.659587:0.191112:0.659587:0.006710:0.005382:0.010728:0.014765:0.004036:0.005364:0.009401:0.008073:0.004019:0.009401:0.009401:0.004036:0.009401:0.005364:0.004036:0.009401:0.008073:0.005364:0.004036:0.009401:0.009401:0.009401:0.004036:0.005364:0.009401:0.009401:0.004858 policy:@0.388945:0.673365:0.438918:0.673365:0.438918:0.659587:0.388945:0.659587:0.010728:0.010728:0.004036:0.005364:0.009401:0.009715 continue if the late premium instalment and any other :@0.438760:0.673365:0.887216:0.673365:0.887216:0.659587:0.438760:0.659587:0.004032:0.008073:0.009401:0.009401:0.005364:0.004019:0.008073:0.009401:0.009401:0.004036:0.004019:0.005364:0.004036:0.005364:0.009401:0.009401:0.004036:0.004019:0.009401:0.005364:0.009401:0.005364:0.010728:0.006710:0.010728:0.016145:0.004019:0.010728:0.016145:0.005364:0.005364:0.010728:0.009383:0.006710:0.010728:0.004712:0.016145:0.010728:0.010728:0.005364:0.005364:0.010728:0.010728:0.010728:0.005364:0.010728:0.010728:0.010728:0.005364:0.010728:0.006710:0.010728:0.010728:0.006710:0.004858 remaining premium instalments are paid and accepted before the cancellation takes effect. :@0.191112:0.687659:0.886140:0.687659:0.886140:0.673881:0.191112:0.673881:0.005382:0.009401:0.014765:0.009401:0.004019:0.009401:0.004019:0.009401:0.010728:0.004036:0.010728:0.005382:0.009401:0.014765:0.004019:0.009401:0.013437:0.004036:0.004019:0.009401:0.008073:0.005364:0.009401:0.004019:0.013437:0.009401:0.009401:0.004036:0.009383:0.004036:0.009401:0.005382:0.009401:0.004036:0.010728:0.009401:0.002691:0.009401:0.004036:0.009401:0.009401:0.010728:0.004036:0.009401:0.008073:0.009383:0.008073:0.009401:0.005364:0.009401:0.009401:0.004036:0.009401:0.009401:0.005364:0.009401:0.005382:0.009401:0.004036:0.005364:0.009401:0.009401:0.004036:0.008073:0.009401:0.009401:0.008073:0.009401:0.004019:0.004019:0.009401:0.004036:0.004019:0.009401:0.009401:0.004036:0.005364:0.009401:0.008073:0.010728:0.009383:0.005364:0.010728:0.006710:0.006710:0.010728:0.009383:0.006710:0.005364:0.004858 Without prejudice to other forms of service, notice of cancellation is deemed to be served on :@0.191112:0.700967:0.886298:0.700967:0.886298:0.687189:0.191112:0.687189:0.016163:0.004019:0.005364:0.009401:0.010728:0.009401:0.005364:0.004036:0.010728:0.005382:0.009401:0.004019:0.009401:0.009401:0.002691:0.009383:0.009401:0.004036:0.004036:0.009401:0.004036:0.010728:0.004036:0.009401:0.009401:0.005382:0.004036:0.005364:0.009401:0.005382:0.014765:0.008073:0.004036:0.009401:0.005364:0.004036:0.009383:0.009401:0.005382:0.008073:0.004019:0.008073:0.009401:0.005364:0.004036:0.009401:0.009401:0.004036:0.004019:0.008073:0.009401:0.004036:0.009401:0.005364:0.004036:0.009383:0.009401:0.009401:0.008073:0.009401:0.004019:0.004019:0.009401:0.004036:0.004019:0.009401:0.009401:0.004036:0.004019:0.008073:0.004036:0.010728:0.009401:0.009401:0.013437:0.009401:0.009401:0.004036:0.005364:0.009401:0.004036:0.009401:0.009401:0.004036:0.009383:0.009401:0.005382:0.008073:0.009401:0.009401:0.004036:0.012074:0.010728:0.004858 the third (3rd) day after being posted if sent by pre-paid letter post properly addressed. :@0.191112:0.714311:0.846037:0.714311:0.846037:0.700532:0.191112:0.700532:0.005364:0.009401:0.009401:0.004036:0.005364:0.009401:0.004019:0.005382:0.010728:0.004036:0.005382:0.009401:0.005382:0.010728:0.005382:0.004036:0.010728:0.009401:0.009383:0.004036:0.009401:0.005364:0.004036:0.009401:0.005382:0.004036:0.010728:0.009401:0.002691:0.009401:0.009401:0.004036:0.010728:0.009401:0.008073:0.004036:0.009401:0.009401:0.004036:0.004019:0.005364:0.004036:0.009383:0.009401:0.009401:0.004036:0.004036:0.009401:0.009383:0.004036:0.009401:0.005382:0.010227:0.005376:0.009401:0.009401:0.004019:0.009401:0.004036:0.004019:0.009401:0.005364:0.004036:0.009401:0.005382:0.004036:0.010728:0.009401:0.008073:0.004036:0.004036:0.010728:0.005382:0.009401:0.009401:0.009401:0.005382:0.004019:0.008073:0.004036:0.009401:0.009401:0.009401:0.005382:0.009401:0.009383:0.008073:0.009401:0.009401:0.004036:0.004575:0.004858 :@0.500672:0.730955:0.505712:0.730955:0.505712:0.715171:0.500672:0.715171:0.005040