<?xml version="1.0" encoding="utf-8"?>
<Search><pages Count="160"><page Index="1"/><page Index="2"/><page Index="3"/><page Index="4"><![CDATA[Timescales

            Data protection principles state that information must not be retained longer then needed for purpose  (General Data Protection
            Regulation (Rec 39 Art 5)) and protects the rights for the individual to request their personal data is erased (Art 17) under certain
            circumstances, although the right to erasure  is usually not applicable to health records.


            Retention schedules for health records may be specified in your employer’s local policies and guidance on record management. The
            retention schedules defined in the Records Management Code of Practice for Health and Social Care Records (2016)  Appendix 3 are
            considered best practice in the absence of local policies. A summary is provided here. Please refer to the original document for full details.

            Care Records


            Record Type               Retention starts         Retention period          Action at end of          Notes
                                                                                         retention



            Adult Health              Discharge or patient last  8 years                 Review and if no longer  Includes X-rays, scans, video and other
                                      seen                                               needed destroy            formats


            Adult Social Care         End of care or date last   8 years                 Review and if no longer
                                      seen                                               needed destroy


            Children’s Records        Discharge or patient last  25th or 26th birthday    Review and if no longer  26th Birthday applies if patient 17 at
                                      seen                                               needed destroy            conclusion of treatment.

                                                                                                                   Includes X-rays, scans, video and other
                                                                                                                   formats


            Electronic Patient                                                           Once records have         Retention periods same as for paper. Some
            Records                                                                      reached the end of their  electronic systems may do this
                                                                                         retention period they     automatically. Otherwise the record should
                                                                                                                   be made inaccessible to users of the



            Delivering Quality Services – Information Governance Guidance                                                                            1]]></page><page Index="5"><![CDATA[Timescales

 Data protection principles state that information must not be retained longer then needed for purpose  (General Data Protection
 Regulation (Rec 39 Art 5)) and protects the rights for the individual to request their personal data is erased (Art 17) under certain
 circumstances, although the right to erasure  is usually not applicable to health records.


 Retention schedules for health records may be specified in your employer’s local policies and guidance on record management. The
 retention schedules defined in the Records Management Code of Practice for Health and Social Care Records (2016)  Appendix 3 are
 considered best practice in the absence of local policies. A summary is provided here. Please refer to the original document for full details.

 Care Records


 Record Type   Retention starts   Retention period   Action at end of   Notes
     retention



 Adult Health   Discharge or patient last  8 years   Review and if no longer  Includes X-rays, scans, video and other
 seen   needed destroy         formats


 Adult Social Care   End of care or date last   8 years   Review and if no longer
 seen   needed destroy


 Children’s Records   Discharge or patient last  25th or 26th birthday    Review and if no longer  26th Birthday applies if patient 17 at
 seen   needed destroy         conclusion of treatment.

                               Includes X-rays, scans, video and other
                               formats


 Electronic Patient         Once records have   Retention periods same as for paper. Some
 Records   reached the end of their  electronic systems may do this
     retention period they     automatically. Otherwise the record should
                               be made inaccessible to users of the



 Delivering Quality Services – Information Governance Guidance                         1]]></page><page Index="6"><![CDATA[Record Type               Retention starts         Retention period          Action at end of          Notes
                                                                                         retention


                                                                                         should be destroyed.      system. A log or ‘meta data stub’ should be
                                                                                                                   kept of records destroyed.



            Mental Health Records  Discharge or patient last  20 years or 8 years        Review and if no longer  Covers records made where the person has
                                      seen                     after death               needed destroy            been cared for under the Mental Health Act
                                                                                                                   1983 as amended by the Mental Health Act
                                                                                                                   2007. This includes psychology records.
                                                                                                                   Retention solely for any persons who have
                                                                                                                   been sectioned under the Mental Health Act
                                                                                                                   1983 must be considerably longer than 20
                                                                                                                   years where the case may be ongoing. Very
                                                                                                                   mild forms of adult mental health treated in a
                                                                                                                   community setting where a full recovery is
                                                                                                                   made may consider treating as an adult
                                                                                                                   records and keep for 8 years after
                                                                                                                   discharge. All must be reviewed prior to
                                                                                                                   destruction taking into account any serious
                                                                                                                   incident retentions.


            Record of long term       Discharge or patient last  30 years or 8 years     Review and if no longer  Necessary for continuity of clinical care. The
            illness or an illness     seen                     after the patient has     needed destroy            primary record of the illness and course of
            that may reoccur                                   died                                                treatment must be kept of a patient where
                                                                                                                   the illness may re-occur or is a life long
                                                                                                                   illness.












            Delivering Quality Services – Information Governance Guidance                                                                            2]]></page><page Index="7"><![CDATA[Record Type   Retention starts   Retention period   Action at end of   Notes
     retention


     should be destroyed.      system. A log or ‘meta data stub’ should be
                               kept of records destroyed.



 Mental Health Records  Discharge or patient last  20 years or 8 years   Review and if no longer  Covers records made where the person has
 seen   after death   needed destroy   been cared for under the Mental Health Act
                               1983 as amended by the Mental Health Act
                               2007. This includes psychology records.
                               Retention solely for any persons who have
                               been sectioned under the Mental Health Act
                               1983 must be considerably longer than 20
                               years where the case may be ongoing. Very
                               mild forms of adult mental health treated in a
                               community setting where a full recovery is
                               made may consider treating as an adult
                               records and keep for 8 years after
                               discharge. All must be reviewed prior to
                               destruction taking into account any serious
                               incident retentions.


 Record of long term   Discharge or patient last  30 years or 8 years   Review and if no longer  Necessary for continuity of clinical care. The
 illness or an illness   seen   after the patient has   needed destroy   primary record of the illness and course of
 that may reoccur   died       treatment must be kept of a patient where
                               the illness may re-occur or is a life long
                               illness.












 Delivering Quality Services – Information Governance Guidance                         2]]></page><page Index="8"><![CDATA[Event and Transaction Records


            Record Type               Retention starts         Retention period          Action at end of          Notes
                                                                                         retention



            Clinical Audit            Creation                 5 years                   Review and if no longer
                                                                                         needed destroy


            Clinical Diaries          End of the year to which  2 years                  Review and if no longer  Diaries of clinical activity & visits must be
                                      they relate                                        needed destroy            written up and transferred to the main
                                                                                                                   patient file. If this information is not
                                                                                                                   transferred retain diary for 8 years.


            Clinical Protocols        Creation                 25 years                  Review and consider       Clinical protocols may have archival value.
                                                                                         transfer to place of      They may also be routinely captured in
                                                                                         deposit.                  clinical governance meetings which may
                                                                                                                   form part of the permanent record (see
                                                                                                                   Corporate Records).


            Equipment                 Decommissioning of the  11 years                   Review and if no longer
            Maintenance logs          equipment                                          needed destroy


            Referrals not accepted  Date of rejection          2 years as an             Review and if no longer
                                                               ephemeral record          needed destroy


            Ward handover sheet       Date of handover         2 years                   Review and if no longer  This retention refers to the ward. Individual
                                                                                         needed destroy            staff sheets must be confidentiality
                                                                                                                   destroyed at end of each shift.








            Delivering Quality Services – Information Governance Guidance                                                                            3]]></page><page Index="9"><![CDATA[Event and Transaction Records


 Record Type   Retention starts   Retention period   Action at end of   Notes
     retention



 Clinical Audit   Creation   5 years   Review and if no longer
     needed destroy


 Clinical Diaries   End of the year to which  2 years   Review and if no longer  Diaries of clinical activity & visits must be
 they relate   needed destroy   written up and transferred to the main
                               patient file. If this information is not
                               transferred retain diary for 8 years.


 Clinical Protocols   Creation   25 years   Review and consider   Clinical protocols may have archival value.
     transfer to place of      They may also be routinely captured in
     deposit.                  clinical governance meetings which may
                               form part of the permanent record (see
                               Corporate Records).


 Equipment   Decommissioning of the  11 years   Review and if no longer
 Maintenance logs   equipment   needed destroy


 Referrals not accepted  Date of rejection   2 years as an   Review and if no longer
 ephemeral record   needed destroy


 Ward handover sheet   Date of handover   2 years   Review and if no longer  This retention refers to the ward. Individual
     needed destroy            staff sheets must be confidentiality
                               destroyed at end of each shift.








 Delivering Quality Services – Information Governance Guidance                         3]]></page><page Index="10"><![CDATA[Clinical Trials and Research


            Record Type               Retention starts         Retention period          Action at end of          Notes
                                                                                         retention


            Research data sets        Closure of research      Not more than 20 years  Review and consider
                                                                                         transfer to place of
                                                                                         deposit.



            Research Ethics           End of research          5 years                   Review and consider
            Committee                                                                    transfer to place of
            documentation for                                                            deposit.
            research proposal


            Research Ethics           Year to which they       Before 20 years           Research Ethics           Committee papers must be transferred to a
            Committee minutes         relate                                             Committee                 place of deposit as a public record.
            and papers                                                                   documentation



            Corporate Governance


            Record Type               Retention starts         Retention period          Action at end of          Notes
                                                                                         retention


            Board Meetings            Creation                 Before 20 years/ as       Transfer to a place of
                                                               soon as practical         deposit


            Board Meeting             Creation                 Up to 20 years            Transfer to a place of    Although they may contain confidential or
            (Closed Boards)                                                              deposit                   sensitive material they are still a public
                                                                                                                   record and must be transferred at 20 years
                                                                                                                   with any FOI exemptions noted or duty of




            Delivering Quality Services – Information Governance Guidance                                                                            4]]></page><page Index="11"><![CDATA[Clinical Trials and Research


 Record Type   Retention starts   Retention period   Action at end of   Notes
     retention


 Research data sets   Closure of research   Not more than 20 years  Review and consider
     transfer to place of
     deposit.



 Research Ethics   End of research   5 years   Review and consider
 Committee   transfer to place of
 documentation for   deposit.
 research proposal


 Research Ethics   Year to which they   Before 20 years   Research Ethics   Committee papers must be transferred to a
 Committee minutes   relate   Committee   place of deposit as a public record.
 and papers   documentation



 Corporate Governance


 Record Type   Retention starts   Retention period   Action at end of   Notes
     retention


 Board Meetings   Creation   Before 20 years/ as   Transfer to a place of
 soon as practical   deposit


 Board Meeting   Creation   Up to 20 years   Transfer to a place of   Although they may contain confidential or
 (Closed Boards)   deposit     sensitive material they are still a public
                               record and must be transferred at 20 years
                               with any FOI exemptions noted or duty of




 Delivering Quality Services – Information Governance Guidance                         4]]></page><page Index="12"><![CDATA[Record Type               Retention starts         Retention period          Action at end of          Notes
                                                                                         retention


                                                                                                                   confidence indicated.


            Committees/ Groups/       Creation                 6 years                   Review and if no longer  Includes minor meetings/ projects/
            sub committees not                                                           needed destroy            departmental business meetings
            listed in the scheme of
            delegation


            Destruction               Destruction of record or  20 years                 Consider transfer to a
            Certificates or           information                                        place of deposit and no
            Electronic Metadata                                                          longer needed destroy
            destruction stub or
            record of information
            held on destroyed
            physical media


            Incidents                 Date of incident         20 years (serious)        Review and consider
                                                                                         transfer to place of
                                                               10 years (non serious)    deposit.





            Policies/ strategies/     Creation                 Life of organisation + 6   Review and consider
            operating procedures/                              years                     transfer to place of
            business plans                                                               deposit.










            Delivering Quality Services – Information Governance Guidance                                                                            5]]></page><page Index="13"><![CDATA[Record Type   Retention starts   Retention period   Action at end of   Notes
     retention


                               confidence indicated.


 Committees/ Groups/   Creation   6 years   Review and if no longer  Includes minor meetings/ projects/
 sub committees not   needed destroy   departmental business meetings
 listed in the scheme of
 delegation


 Destruction   Destruction of record or  20 years   Consider transfer to a
 Certificates or   information   place of deposit and no
 Electronic Metadata   longer needed destroy
 destruction stub or
 record of information
 held on destroyed
 physical media


 Incidents   Date of incident   20 years (serious)   Review and consider
     transfer to place of
 10 years (non serious)    deposit.





 Policies/ strategies/   Creation   Life of organisation + 6   Review and consider
 operating procedures/   years   transfer to place of
 business plans   deposit.










 Delivering Quality Services – Information Governance Guidance                         5]]></page><page Index="14"><![CDATA[Communications


            Record Type               Retention starts         Retention period          Action at end of          Notes
                                                                                         retention


            Intranet site             Creation                 6 years                   Review and consider
                                                                                         transfer to place of
                                                                                         deposit.



            Patient information       End of use               6 years                   Review and consider
            leaflets                                                                     transfer to place of
                                                                                         deposit.


            Press releases and        Release date             6 years                   Review and consider
            internal                                                                     transfer to place of
            communications                                                               deposit.


            Website                   Creation                 6 years                   Review and consider
                                                                                         transfer to place of
                                                                                         deposit.



















            Delivering Quality Services – Information Governance Guidance                                                                            6]]></page><page Index="15"><![CDATA[Communications


 Record Type   Retention starts   Retention period   Action at end of   Notes
     retention


 Intranet site   Creation   6 years   Review and consider
     transfer to place of
     deposit.



 Patient information   End of use   6 years   Review and consider
 leaflets   transfer to place of
     deposit.


 Press releases and   Release date   6 years   Review and consider
 internal   transfer to place of
 communications   deposit.


 Website   Creation   6 years   Review and consider
     transfer to place of
     deposit.



















 Delivering Quality Services – Information Governance Guidance                         6]]></page><page Index="16"><![CDATA[Staff Records


            Record Type               Retention starts         Retention period          Action at end of          Notes
                                                                                         retention


            Exposure monitoring       Monitoring ceases        40 years/ 5 years from                              A) Where the record is representative of the
            information                                        date of last entry                                  personal exposures of identifiable
                                                                                                                   employees, for at least 40 years or B) In any
                                                                                                                   other case, for at least 5 years


            Occupational Health       Staff member leaves      6 years or until 75th     Review and if no longer  75 years for staff member under surveillance
            Reports                                            Birthday                  needed destroy


            Staff training records    Creation                 6 years or until 75th     Review and if no longer  10 years for statutory/ mandatory training.
                                                               Birthday                  needed destroy




            Finance


            Record Type               Retention starts         Retention period          Action at end of          Notes
                                                                                         retention



            Accounts                  Close of financial year   3 years                  Review and if no longer
                                                                                         needed destroy


            Donations                 Close of financial year   6 years                  Review and if no longer
                                                                                         needed destroy


            Expenses                  Close of financial year   6 years                  Review and if no longer
                                                                                         needed destroy




            Delivering Quality Services – Information Governance Guidance                                                                            7]]></page><page Index="17"><![CDATA[Staff Records


 Record Type   Retention starts   Retention period   Action at end of   Notes
     retention


 Exposure monitoring   Monitoring ceases   40 years/ 5 years from      A) Where the record is representative of the
 information   date of last entry   personal exposures of identifiable
                               employees, for at least 40 years or B) In any
                               other case, for at least 5 years


 Occupational Health   Staff member leaves   6 years or until 75th   Review and if no longer  75 years for staff member under surveillance
 Reports   Birthday   needed destroy


 Staff training records   Creation   6 years or until 75th   Review and if no longer  10 years for statutory/ mandatory training.
 Birthday   needed destroy




 Finance


 Record Type   Retention starts   Retention period   Action at end of   Notes
     retention



 Accounts   Close of financial year   3 years   Review and if no longer
     needed destroy


 Donations   Close of financial year   6 years   Review and if no longer
     needed destroy


 Expenses   Close of financial year   6 years   Review and if no longer
     needed destroy




 Delivering Quality Services – Information Governance Guidance                         7]]></page><page Index="18"><![CDATA[Record Type               Retention starts         Retention period          Action at end of          Notes
                                                                                         retention


            Petty Cash                Close of financial year   2 years                  Review and if no longer
                                                                                         needed destroy



            Salaries paid to staff    Close of financial year   10 years                 Review and if no longer
                                                                                         needed destroy




            Legal, Complaints and information rights

            Record Type               Retention starts         Retention period          Action at end of          Notes
                                                                                         retention


            Complaints case file      Closure of incident      10 years                  Review and if no longer  http://www.nationalarchives.gov.uk/documen
                                                                                         needed destroy            ts/information-
                                                                                                                   management/sched_complaints.pdf

                                                                                                                   The incident is not closed until all
                                                                                                                   subsequent processes have ceased
                                                                                                                   including litigation. The file must not be kept
                                                                                                                   on the patient file. A separate file must
                                                                                                                   always be maintained.


            Freedom information       Closure of FOI request   3 years                   Review and if no longer
            requests/ responses                                                          needed destroy
                                                               (6 years if after
                                                               subsequent appeal)



            Litigation records        Closure of case          10 years                  Review and consider
                                                                                         transfer to place of



            Delivering Quality Services – Information Governance Guidance                                                                            8]]></page><page Index="19"><![CDATA[Record Type   Retention starts   Retention period   Action at end of   Notes
     retention


 Petty Cash   Close of financial year   2 years   Review and if no longer
     needed destroy



 Salaries paid to staff   Close of financial year   10 years   Review and if no longer
     needed destroy




 Legal, Complaints and information rights

 Record Type   Retention starts   Retention period   Action at end of   Notes
     retention


 Complaints case file   Closure of incident   10 years   Review and if no longer  http://www.nationalarchives.gov.uk/documen
     needed destroy            ts/information-
                               management/sched_complaints.pdf

                               The incident is not closed until all
                               subsequent processes have ceased
                               including litigation. The file must not be kept
                               on the patient file. A separate file must
                               always be maintained.


 Freedom information   Closure of FOI request   3 years   Review and if no longer
 requests/ responses   needed destroy
 (6 years if after
 subsequent appeal)



 Litigation records   Closure of case   10 years   Review and consider
     transfer to place of



 Delivering Quality Services – Information Governance Guidance                         8]]></page><page Index="20"><![CDATA[Record Type               Retention starts         Retention period          Action at end of          Notes
                                                                                         retention


                                                                                         deposit.


            Subject Access            Closure of SAR           3 years                   Review and if no longer
            Requests                                                                     needed destroy
                                                               (6 years if after
                                                               subsequent appeal)



            Other relevant guidance includes:

               ●  Department of Education (2013) Disposal of school records Northern Ireland
               ●  Gov.UK (2018) Record Retention and Disposition Schedules Ministry of Justice
               ●  IRMS (2016) Record Management Toolkit for Schools


            Due to recent changes in data protection legislation you should be aware information may still be under review.


            Speech and language therapists should always refer to their employer’s local policies and guidance on record retention and
            disposal, where available.



















            Delivering Quality Services – Information Governance Guidance                                                                            9]]></page><page Index="21"><![CDATA[Record Type   Retention starts   Retention period   Action at end of   Notes
     retention


     deposit.


 Subject Access   Closure of SAR   3 years   Review and if no longer
 Requests   needed destroy
 (6 years if after
 subsequent appeal)



 Other relevant guidance includes:

 ●  Department of Education (2013) Disposal of school records Northern Ireland
 ●  Gov.UK (2018) Record Retention and Disposition Schedules Ministry of Justice
 ●  IRMS (2016) Record Management Toolkit for Schools


 Due to recent changes in data protection legislation you should be aware information may still be under review.


 Speech and language therapists should always refer to their employer’s local policies and guidance on record retention and
 disposal, where available.



















 Delivering Quality Services – Information Governance Guidance                         9]]></page><page Index="22"><![CDATA[]]></page><page Index="23"><![CDATA[Freedom of Information Act Publication Scheme
             Protective Marking               Not Protectively Marked
             Publication Scheme Y/N           Yes

             Title                            Personal Indemnity Insurance Policy
             Version                          Version 3.
             Summary                          This policy explains under what circumstances MPS
                                              officers and staff may apply for personal insurance
                                              indemnity.
             Branch / OCU                     Directorate of Resources
             Author                           Insurance Management Team.
             Date created                     July 2012
             Review date                      July 2016]]></page><page Index="24"><![CDATA[Application

            •  When?  This Policy applies with immediate effect and until March 2015.

            •  Who?        All police officers and police staff, including the extended police family and
                           those working voluntarily or under contract to the Mayor’s Office for Policing
                           and Crime (MOPAC) or the Commissioner must be aware of, and are
                           required to comply with, all relevant Metropolitan Police Service (MPS)
                           policy and associated procedures.

                           This Personal Indemnity Insurance  Policy (PIIP) applies to MPS police
                           officers and police staff that are or may be engaged in high-risk duties.


            Policy Principles


            The Metropolitan Police Service (MPS) Management Board  and the Mayors Office for
            Policing and Crime (MPOC) recognise the need to ensure that in certain situations, MPS
            police officers and police staff are indemnified by the MPOC where their own qualifying
            insurance fails to provide an indemnity or, where the member of staff cannot obtain
            qualifying insurance or only at an excessive premium.  This PIIP also demonstrates the
            willingness of the MOPAC as an employer of choice to address issues of concern to MPS
            police officers and police staff in the performance of their duties in today's society.



            Purpose and Benefits

            The purpose of this PIIP is to provide an indemnity to MPS police officers and police staff
            who are or may be engaged in high-risk duties who all must comply with this PIIP and the
            associated SOP.  The availability of the indemnity provided by this PIIP and associated
            SOP will provide reassurance for MPS police officers and police staff who are or may be
            engaged in high-risk duties, who may find themselves in a situation where their qualifying
            insurance fails to provide cover or is not available.


            Associated Documents and Policies

                •  Personal Insurance Indemnity Policy - Standard Operating Procedure.
                •  MPS Overseas Travel Policy.
                •  Information from the Association of British Insurers at http://www.abi.org.uk/


            Notices to be Cancelled / Amended

            Previous PIIP policy and SOP that were published in March 2009 are cancelled by this
            policy.]]></page><page Index="25"><![CDATA[Police Select


                                                                                     Policy document]]></page><page Index="26"><![CDATA[Contents








                                A warm welcome to Zurich           1
                                Police Select Policy               2

                                General Definitions                4
                                General Exclusions                 9
                                General Provision                 10

                                General Conditions                11
                                Part A – Material Damage          14

                                Part B – Business Interruption    25
                                Insured Perils to Parts A and B   28
                                Part C – Works in Progress ‘All Risks   33
                                Exclusions to Parts A, B and C    38

                                Endorsements to Parts A, B and C   39
                                Part D – ‘All Risks’              42

                                Exclusion to Parts A, B, C and D   45
                                Part E – Computer                 46
                                Part F – Money                    59

                                Part G – Livestock                62
                                Part H – Public and Products Liability   63
                                Part I – Employers’ Liability     72

                                Part J – Libel and Slander        76
                                Part K – Professional Indemnity   79
                                Part L – Motor                    83

                                Part M – Motor Legal Expenses
                                and Uninsured  Loss Recovery      95
                                Part N – Plant Inspection Contract   98

                                Part O – Plant Protection        103
                                Part P – Deterioration of Stock   110

                                Part Q – Employee Dishonesty      113
                                Part R – Personal Accident        116
                                Part S – Business Travel         122

                                Our Complaints Procedure         129]]></page><page Index="27"><![CDATA[A warm welcome to Zurich








                                Thank you for taking out your Police Select Insurance policy with us and welcome
                                to Zurich Insurance plc.
                                Zurich Insurance plc is a member of the insurance-based financial services provider
                                Zurich Financial Services Group (Zurich). Zurich has a global network of subsidiaries
                                and offices in North America and Europe as well as in Asia Pacific, Latin America and
                                other markets. Founded in 1872, the Group is headquartered in Zurich, Switzerland.
                                It employs approximately 60,000 people serving customers in more than 170 countries.

                                At Zurich we have your future in mind and look forward to working closely with you.


































































                                                                                                                   1]]></page><page Index="28"><![CDATA[Police Select Policy








                                This policy is a contract between you and us. You have made a proposal to us which is the basis of
                                and forms part of this contract.
                                This policy and any schedule, endorsement and certificate should be read as if they are one document.
                                We will insure you under those parts stated in the schedule during any period of insurance for which
                                we have accepted your premium provided always that all the terms and conditions of this policy are
                                kept. Our liability will in no case exceed the amount of any sum insured or limit of indemnity stated in
                                this policy, the schedule or any endorsement to this policy.
                                Any reference to the singular will include the plural and vice versa.

                                Any reference to any statute or statutory instrument will include any modifications or
                                re-enactment thereto.

                                Any heading in this policy is for ease of reference only and does not affect its interpretation.

                                Law applicable to this contract
                                In the UK the law allows both you and us to choose the law applicable to this contract. This contract
                                will be subject to the relevant law of England and Wales, Northern Ireland, Scotland, the Isle of Man or
                                the Channel Islands depending upon your address stated in the schedule. If there is any dispute as to
                                which law applies it will be English law.
                                You agree to submit to the exclusive jurisdiction of the English courts.

                                For and on behalf of Zurich Insurance plc.






                                Stephen Lewis
                                Chief Executive Officer of Zurich Insurance plc, UK Branch.

                                This is a legal document and should be kept in a safe place.
                                Please read this policy and any schedule, endorsement and certificate carefully and if they do not meet
                                your needs return them to us.


                                How we will use your data
                                We hold personal data in accordance with the Data Protection Act 1998. The information supplied
                                to us by you may be held on computer and passed to other insurers for underwriting and claims
                                purposes. You should show this to anyone whose personal data may be processed to administer
                                this policy.

                                Motor Insurance Database
                                Your policy details will be added to the Motor Insurance Database (MID) run by the Motor Insurers’
                                Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic
                                Vehicle Licensing and by the police for the purposes of establishing whether a driver’s use of the vehicle
                                is likely to be covered by a motor insurance policy and/or for preventing and detecting crime. If one
                                of your vehicles is involved in an accident in the United Kingdom or abroad other United Kingdom
                                insurers, the Motor Insurers’ Bureau and MIIC may search the MID to obtain relevant policy information.
                                Persons pursuing a claim in respect of a road traffic accident including citizens of other countries may
                                also obtain relevant information which is held on the MID. You can find out more about this from our
                                Customer Service Team or at www.mib.org.uk.



      2]]></page><page Index="29"><![CDATA[Policy Administration
                                In order to administer your insurance policy and any claims made under this policy we may share
                                personal data provided to us with other companies within the Zurich Financial Services Group and with
                                business partners including overseas companies. If we do transfer your personal data including where
                                we propose a change of underwriter we make sure that it is appropriately protected.

                                Claims History
                                Under the conditions of this policy you must tell us about any incidents or circumstance that might
                                give rise to a claim whether or not it is your intention to claim. When you tell us about an incident or
                                circumstance we will pass information relating to it to the relevant database. We may search these
                                databases when you apply for insurance, in the event of any incident, circumstance or claim or at time
                                of renewal to validate your claims history or that of any other person or property likely to be involved
                                in the policy or claim.

                                Fraud Prevention and Detection
                                In order to prevent and detect fraud we may at any time:
                                a)  share information about you with other organisations including the police
                                b)  undertake credit searches

                                c)  check and share your details with fraud prevention and detection agencies.
                                If false or inaccurate information is provided and fraud is identified details will be passed to fraud
                                prevention agencies. Law enforcement agencies may access and use this information. We and other
                                organisations may also access and use this information to prevent fraud and money laundering for
                                example when:
                                a)  checking details on applications for credit and credit related or other facilities
                                b)  managing credit and credit related accounts or facilities

                                c)  recovering debt and tracing beneficiaries
                                d)  checking details on proposals and claims for all types of insurance
                                e)  checking details of job applicants and employees.

                                Please contact us if you want to receive details of the relevant fraud prevention agencies. We and
                                other organisations may access and use from other countries the information recorded by fraud
                                prevention agencies.
























                                                                                                                   3]]></page><page Index="30"><![CDATA[General Definitions








                                Certain words in this policy have special meanings. These meanings are given below and apply
                                wherever the words appear in bold.

                                Buildings
                                Buildings of the premises for which you are legally responsible including:

                                a)  landlords’ fixtures and fittings
                                b)  oil tanks, outbuildings, extensions, annexes, exterior swimming pools, canopies, fixed signs
                                   and gangways
                                c)  walls, gates and fences
                                d)  drains, sewers, piping, ducting, cables, wires and associated control gear and accessories on the
                                   premises and extending to the public mains
                                e)  adjoining and specifically associated yards, car parks, roads, pavements and forecourts all
                                   constructed of solid materials
                                f)  foundations.

                                Business
                                The usual activities of a police force and its governing body including:
                                a)  the provision and management of catering, social, sports, first aid or welfare activities
                                   for employees
                                b)  your fire, security and ambulance services
                                c)  maintenance of the buildings, plant and equipment

                                d)  activities of any member or employee approved by you in connection with outside organisations
                                   but only where you are legally entitled to:

                                   i)  approve such activities
                                   ii)  indemnify any such member or employee in respect of such activities.

                                Business Interruption
                                Loss resulting from interruption of or interference with the business carried on by you at the premises
                                in consequence of damage to property used by you at the premises for the purpose of the business.

                                Chief Officer
                                Chief Constable, Deputy Chief Constable and Assistant Chief Constable.

                                Computer Equipment
                                a)  Computer hardware and its peripheral devices including interconnecting wiring and media used for
                                   electronic processing, communication and storage of data

                                b)  temperature and environmental control, power supply and voltage regulating equipment and
                                   protective devices exclusively for use with computer hardware
                                c)  computer software held on media

                                d)  operating systems and proprietary software packages
                                in your custody and control.




      4]]></page><page Index="31"><![CDATA[Constable
                                A constable (being a police officer with power of arrest) or special constable under the direction of
                                your relevant officer.

                                Contents
                                Contents belonging to you or held by you in trust for which you are legally responsible in or on any
                                building stated in the schedule including:

                                a)  tenants’ improvements, alterations and decorations
                                b)  personal effects not otherwise insured belonging to any director, constable, employee,
                                   volunteer or visitor other than motor vehicles for an amount not exceeding £1,500 in respect
                                   of any one person

                                c)  contents of outbuildings
                                d)  contents in open yards
                                e)  computer systems records except for an amount not exceeding £75,000 any One Event in respect
                                   of the cost of materials and clerical labour and computer time expended in their reproduction
                                f)  patterns, models, moulds, plans or designs for an amount not exceeding £7,500 for any one item
                                   or set of items
                                but excluding

                                i)  landlords’ fixtures and fittings
                                ii)  money
                                iii)  securities of whatsoever nature
                                iv)  livestock

                                v)  growing crops, trees, shrubs, plants or turf
                                vi)  motor vehicles licensed for road use including accessories thereon

                                vii)  documents, manuscripts and business books except for the cost of the materials and clerical labour
                                   expended in their reproduction

                                viii) any expense in connection with the production of the information to be recorded in documents,
                                   manuscripts, business books or computer systems records.

                                Damage
                                The word ‘damage’ in lower case and bold means physical loss or damage.

                                Data Processing System
                                Any computer or data processing equipment or media or microchip or integrated circuit or any similar
                                device or any computer software or computer firmware.

                                Defined Peril
                                Fire, lightning, explosion, aircraft or other aerial devices or articles dropped from them, riot, civil
                                commotion, strikers, locked-out workers, persons taking part in labour disturbances, malicious persons,
                                theft or attempted theft, earthquake, storm, flood, escape of water from any tank, apparatus or pipe
                                or impact by any vehicle or by goods falling from them or by any animal.





                                                                                                                   5]]></page><page Index="32"><![CDATA[Denial of Service Attack
                                Any actions or instructions constructed or generated with the ability to damage, interfere with or
                                otherwise affect the availability of networks, network services, network connectivity or information
                                systems including but not limited to the generation of excess network traffic into network addresses,
                                the exploitation of system or network weaknesses and the generation of excess or non-genuine traffic
                                between and amongst networks.

                                Employee
                                Any natural person who is:
                                a)  under a contract of service or apprenticeship with you
                                b)  under a work experience or similar scheme

                                c)  hired or borrowed by you from another employer
                                and working for and while under the direct control or supervision of you or your relevant officer in
                                connection with the business.

                                Event
                                All occurrences causing injury, damage or other loss arising out of one original and identifiable cause
                                that happens at a fixed time and place.

                                Excess
                                The amount stated in this policy, the schedule or any endorsement to this policy for which you are
                                responsible and which will be deducted from any payment under this policy as ascertained after the
                                application of all other terms and conditions of this policy.

                                Hacking
                                Unauthorised access to any computer or other equipment or component or system or item which
                                processes, stores, transmits, retrieves or receives data.

                                Member
                                Any member or co-opted member of yours or of your committees or subcommittees.

                                Money
                                Any current coinage, current bank and currency note, bill of exchange, luncheon voucher, cheque,
                                bankers’ draft, national giro draft, money order, postal order, current postage stamp, unused unit in
                                any postage stamp franking machine, revenue stamp, national savings stamp, national savings certificate,
                                holiday with pay stamp (provided you are not otherwise indemnified), credit, debit or charge card,
                                sales voucher, phonecard, consumer redemption voucher and gift token accepted by you, Value Added
                                Tax purchase invoice and trading stamp belonging to you or for which you have accepted responsibility
                                and held in connection with the business.

                                Non-Ranking Deductible
                                The amount stated in the schedule to be deducted from each and every loss at each separate premises
                                before contributing towards the annual aggregate or once the annual aggregate has been breached.










      6]]></page><page Index="33"><![CDATA[Nuclear Installation
                                Any installation of such class or description as may be prescribed by regulations made by the relevant
                                Secretary of State from time to time by statutory instrument being an installation designed or
                                adapted for:
                                a)  the production or use of atomic energy
                                b)  the carrying out of any process which is preparatory or ancillary to the production or use of atomic
                                   energy and which involves or is capable of causing the emission of ionising radiation
                                c)  the storage, processing or disposal of nuclear fuel or of bulk quantities of other radioactive matter
                                   being matter which has been produced or irradiated in the production or use of nuclear fuel.

                                Nuclear Reactor
                                Any plant including any machinery, equipment or appliance whether affixed to land or not designed or
                                adapted for the production of atomic energy by a fission process in which a controlled chain reaction
                                can be maintained without an additional source of neutrons.

                                Premises
                                The premises stated in the schedule.

                                Property
                                Physical property.

                                Reinstatement
                                a)  The rebuilding or replacement of property suffering damage which provided always that our
                                   liability is not increased may be carried out:
                                   i)  in any manner suitable to your requirements
                                   ii)  upon another site

                                b)  the repair or restoration of property suffering damage
                                in either case to a condition equivalent to or substantially the same as but not better or more
                                extensive than its condition when new.

                                Relevant Officer
                                Your relevant officer as defined in section 51A subsection 2 of the Health and Safety at Work
                                Act etc. 1974.

                                Retained Liability
                                The amount that will be deducted from any payment after the application of all the terms and
                                conditions of this part.

                                Special Definitions
                                Wherever words commencing with a capital letter appear in a part following Special Definitions
                                they will have the same defined meaning within that part of this policy.












                                                                                                                   7]]></page><page Index="34"><![CDATA[Stock
                                Stock and materials in trade belonging to you or for which you are legally responsible.

                                Territorial Limits
                                Great Britain, Northern Ireland, the Isle of Man and the Channel Islands.

                                Terrorism
                                a)  Any act or preparation in respect of action or threat of action designed to influence the
                                   government de jure or de facto of any nation or any political division thereof or in pursuit of
                                   political, religious, ideological or similar purposes to intimidate the public or a section of the public
                                   of any nation by any person or group whether acting alone or on behalf of or in connection with
                                   any organisation or government de jure or de facto and which:
                                   i)  involves violence against one or more persons

                                   ii)  involves damage to property
                                   iii)  endangers life other than that of the person committing the action
                                   iv)  creates a risk to health or safety of the public or a section of the public

                                   v)  is designed to interfere with or to disrupt an electronic system
                                b)  any action in controlling, preventing, suppressing, retaliating against or responding to any act or
                                   preparation in respect of action or threat of action described in a) above.
                                Virus or Similar Mechanism
                                Program code, programming instruction or any set of instructions intentionally constructed with the
                                ability to damage, interfere with or otherwise adversely affect computer programs, data files or
                                operations whether involving self-replication or not including but not limited to trojan horses, worms
                                and logic bombs.

                                Volunteer
                                Any person volunteering to assist or co-opted to assist you in the business.

                                We, Us, Our or Ours
                                In respect of:

                                a)  part M DAS Legal Expenses Insurance Company Limited
                                b)  part N Zurich Management Services Limited
                                c)  in respect of all other parts Zurich Municipal and Zurich Insurance plc.

                                You, Your, Yours or Yourselves
                                The police authority or joint police board stated in the schedule as the insured or in respect of part N as
                                the contract holder.














      8]]></page><page Index="35"><![CDATA[General Exclusions








                                 This policy does not cover:

                                 1.  Date Related Performance and Functionality
                                 Not applicable to parts F, G, I, J, K, L. M, N, Q, R and S.
                                 loss or damage, consequential loss, additional expenditure or extra expenses, legal liability, fees, costs,
                                 disbursements, awards or other expenses of whatsoever nature directly or indirectly caused by or
                                 contributed to by or consisting of or arising in whole or in part from:

                                 a)  the way in which any data processing system responds to or deals with or fails to respond to or
                                   fails to deal with any true calendar date
                                 b)  any data processing system responding to or dealing in any way with:

                                   i)  any data denoting a calendar date or dates as if such data did not denote a calendar date
                                      or dates
                                   ii)  any data not denoting a calendar date or dates as if such data denoted a calendar date or dates

                                 whether such data processing system is your property or not but in respect of all insurances other
                                 than parts H, O and P this will not exclude subsequent damage or consequential loss, additional
                                 expenditure or extra expenses (not otherwise excluded) which itself results from a defined peril
                                 otherwise covered by this policy

                                 2.  Nuclear and War Risks, Government or Public Authority Order and Sonic Bangs
                                 Not applicable to part N.
                                 death, injury, disablement or loss or damage to any property or any loss or expense resulting or
                                 arising therefrom or any consequential loss or any legal liability of whatsoever nature directly or
                                 indirectly caused by or contributed to by or arising from:

                                 a)  ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear
                                   waste or from the combustion of nuclear fuel
                                 b)  the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear
                                   installation, nuclear reactor or other nuclear assembly or nuclear component thereof
                                 c)  any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or
                                   radioactive force or matter
                                 d)  the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive
                                   matter but this will not exclude radioactive isotopes other than nuclear fuel when such isotopes are
                                   being prepared, carried, stored or used for commercial, agricultural, medical, scientific or other
                                   peaceful purposes
                                 e)  except in so far as is necessary to meet the requirements of the compulsory motor insurance
                                   legislation in the country in which the insured event occurs:
                                   i)  war, invasion, act of foreign enemy, hostilities whether war be declared or not, civil war,
                                      rebellion, revolution, insurrection, military or usurped power

                                   ii)  nationalisation, confiscation, requisition, seizure or destruction by any government or
                                      public authority

                                 f)  pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
                                 a), b), c) and d) will not apply to part I except where you have undertaken under a contract or agreement
                                 either to indemnify another party or to assume the liability of another party in respect of such injury.

                                 f) does not apply in respect of part L.

                                                                                                                   9]]></page><page Index="36"><![CDATA[General Provision








                                1.  Limit of Indemnity
                                In the event of Damage or business interruption arising from any One Event the maximum liability in
                                respect of any one building or other specified property including contents, stock and goods held by
                                you in trust of for which you are responsible therein will not exceed the amount stated in the schedule
                                in respect of parts A, B, C, D and E in the aggregate.









































































      10]]></page><page Index="37"><![CDATA[General Conditions








                                1.  Arbitration
                                Provided that liability for a claim has been admitted any dispute as to the amount to be paid will be
                                referred to an arbitrator who will be appointed by the parties in accordance with the statutory
                                provisions in force at the time and the making of an award will be a condition precedent to any right
                                of action against us.

                                2.  Cancellation
                                We may cancel this policy or any part or portion thereof by giving 30 days notice in writing by special
                                delivery mail to you at your last known address and in such event you will be entitled to a return of
                                premium in respect of the unexpired portion of the period of insurance.

                                3.  Claims Procedures
                                a)  Your Responsibilities or in the case of part S those of any Person Insured
                                It is agreed that:

                                   i)  on the happening of any circumstance which could give rise to a claim or on receiving verbal or
                                      written notice of any claim you or in the case of part S any Person Insured will:
                                      1)  as soon as reasonably possible give notice to us; and

                                      2)  preserve any damaged or defective property for examination by our representatives unless
                                         we have authorised you to dispose of such property; and

                                      3)  as soon as reasonably possible notify the police in respect of any damage caused by theft,
                                         attempted theft or malicious persons; and

                                      4)  as soon as reasonably possible forward to us any notice of prosecution, inquest or fatal
                                         inquiry and every letter, claim, writ or summons issued against you; and
                                      5)  take action to minimise damage and to avoid interruption or interference with the
                                         business and to prevent further damage or injury; and
                                      6)  at your own expense and:

                                         A)  within 7 days of damage caused by riot, civil commotion, strikers, locked-out workers,
                                            persons taking part in labour disturbances or malicious persons

                                         B)  as soon as reasonably possible:
                                            a)  after the expiry of the indemnity period in respect of part B
                                            b)  in respect of any other damage, interruption or interference with the business or
                                               injury or disease
                                      supply full details of the claim in writing to us together with any evidence and information that
                                      may be reasonably required by us for the purpose of investigating or verifying the claim
                                   ii)  no settlement, admission of liability, payment or promise of payment will be made to a third
                                      party without our written consent.
                                b)  Our Rights

                                We will:
                                   i)  be entitled to take over the defence or settlement of any claim made against you or any person
                                      entitled to indemnity under this policy and you will give all assistance as may be reasonably
                                      required by us; and



                                                                                                                  11]]></page><page Index="38"><![CDATA[ii)  have the right to enter the premises where the damage has occurred and to keep possession
                                      of any of the property insured and to deal with the salvage in a reasonable manner but you
                                      will not be entitled to abandon any property to us; and
                                   iii)  be entitled to take the benefit of any rights of yours against any other party before or after
                                      you have received indemnification under this policy and you will give all assistance as may be
                                      reasonably required by us; and
                                   iv)  not be bound if we elect to reinstate or replace any property to reinstate or replace it exactly
                                      or completely but only as circumstances permit and in a reasonably sufficient manner and will
                                      not in any case be bound to expend in respect of any one item insured more than the sum
                                      insured stated in the schedule.

                                4.  Fraud
                                If any claim is in any respect fraudulent or if any fraudulent means be used by you or anyone acting on
                                your behalf to obtain any benefit under this policy or if any damage or injury be occasioned by your
                                wilful act or with your connivance all benefit under this policy will be forfeited.


                                5.  Increase in Risk
                                You will notify us as soon as possible of any change in circumstances occurring after the
                                commencement of this policy whereby the risk of accident, damage or injury is increased.

                                6.  Long Term Undertaking
                                This condition will be applicable separately to each part of this policy unless otherwise stated in
                                the schedule.
                                In consideration of a discount being incorporated in the premiums on parts of this policy you
                                undertake to offer annually the insurance under each such part on the terms and conditions in force at
                                the expiry of each period of insurance and to pay premiums in advance it being understood that:

                                a)  we will be under no obligation to accept an offer made in accordance with this undertaking
                                b)  the sum insured may be reduced at any time to correspond  with any reduction in value or in
                                   the business
                                c)  in respect of parts L, N and O only rates will be amended at each renewal date in line with the
                                   change in the Average Earnings Index for Whole Economy Excluding Bonuses during the period of
                                   12 months which expires 3 months prior to the month of renewal.
                                This undertaking applies to any policy or part which may be issued by us in substitution for this policy
                                or part and the same discount will be incorporated in the premium on any substituted policy or part
                                issued by us.
                                Payment of the first or renewal premium will be deemed acceptance by you of this condition.

                                7.  Observance
                                The due observance and fulfilment of the terms and conditions of this policy by you in so far as they
                                relate to anything to be done or complied with by you will be a condition precedent to our liability to
                                make any payment under this policy.










      12]]></page><page Index="39"><![CDATA[8.  Other Insurances
                                If at the time of any occurrence giving rise to a claim there is any other insurance effected by you or on
                                your behalf providing an indemnity in respect of such claim our liability will be limited to its rateable
                                proportion. If any other insurance is subject to any provision whereby it is excluded from ranking
                                concurrently with this policy in whole or in part or from contributing proportionally our liability under
                                this policy will be limited to any excess beyond the amount which would be payable under such other
                                insurance had this policy not been effected.


                                9.  Policy Interpretation
                                Each part of this policy is declared to be a separate contract but will be subject to the general
                                definitions, general exclusions, general provision and general conditions. All reference to policy will
                                mean any or all operative parts.

                                10. Policy Voidable
                                This policy will be voidable in the event of misrepresentation, misdescription or non-disclosure in any
                                material particular.

                                11. Premium Adjustment
                                If any part of the premium is calculated on estimates supplied by you an accurate record will be kept by
                                you containing all information relative thereto and you will allow us to inspect such record. You will within
                                one month from the expiry of each period of insurance supply to us such particulars and information as we
                                may require. The premium for such period will thereupon be adjusted and the difference paid by or allowed
                                to you as the case may be subject always to the minimum premium stipulated.
                                12. Reasonable Care
                                You will comply with all regulations imposed by any competent authority and take all reasonable
                                precautions to prevent or minimise accident, injury or damage. In addition you will comply with
                                maker’s recommendations made in respect of equipment insured under this policy.





































                                                                                                                  13]]></page><page Index="40"><![CDATA[Part A – Material Damage








                                Section 1 – Special Definitions

                                Damage
                                damage to the property insured stated in the schedule caused by any of the insured perils stated in
                                the schedule.

                                Declared Value
                                Your assessment of the cost of reinstatement of the property insured calculated in accordance with
                                paragraph a) of the reinstatement general definition at the level of costs applying at the inception of
                                each period of insurance ignoring inflationary factors which may operate subsequently together with in
                                so far as the insurance under the item provides due allowances for:
                                a)  the additional cost of reinstatement to comply with European Union and public authority requirements

                                b)  professional fees
                                c)  debris removal costs.

                                Housing Properties
                                Buildings of all private dwelling houses, bungalows, maisonettes and flats belonging to you or held by
                                you in trust for which you are legally responsible all within the territorial limits.

                                One Event
                                The total of all losses arising from one occurrence or all occurrences of a series consequent upon or
                                attributable to one original cause after the application of all the terms and conditions of this part.
                                For losses attributed separately to damage by insured perils 5, 6, 7, 8, 9, 10 or 12 One Event means
                                any separate period of 72 consecutive hours during the currency of this part.


                                Terrorism
                                a)  In respect of any occurrence in England including the Channel Tunnel up to the frontier with the
                                   Republic of France as set out by the Treaty of Canterbury 1986, Wales, Scotland, Northern Ireland,
                                   the Isle of Man and Channel Islands but not the territorial seas adjacent thereto as defined by the
                                   Territorial Sea Act 1987, the Territorial Sea Act 1987 (Isle of Man) Order 1991, the Territorial Sea
                                   Act 1987 (Jersey) Order 1997 and Territorial Sea Act 1987 (Jersey) (Amendment) Order 2002:

                                   acts of persons acting on behalf of or in connection with any organisation which carries out
                                   activities directed towards the overthrowing or influencing by force or violence of Her Majesty’s
                                   government in the United Kingdom or any other government de jure or de facto
                                b)  in respect of any occurrence elsewhere than as described in a) above:

                                   any act or preparation in respect of action or threat of action designed to influence the government
                                   de jure or de facto of any nation or any political division thereof or in pursuit of political, religious,
                                   ideological or similar purposes to intimidate the public or a section of the public of any nation by
                                   any person or group whether acting alone or on behalf of or in connection with any organisation
                                   or government de jure or de facto and which:
                                   i)  involves violence against one or more persons
                                   ii)  involves damage to property

                                   iii)  endangers life other than that of the person committing the action
                                   iv)  creates a risk to health or safety of the public or a section of the public

                                   v)  is designed to interfere with or to disrupt an electronic system
      14]]></page><page Index="41"><![CDATA[c)  any action in controlling, preventing, suppressing, retaliating against or responding to any act or
                                   preparation in respect of action or threat of action described in a) or b) above.

                                Section 2 – The Cover

                                In the event of Damage occurring during the period of insurance we will pay you the value of the
                                property at the time of its Damage or the cost of repair of the Damage or at our option indemnify
                                you by reinstatement, replacement or repair.
                                Provided always that our liability under this part will not exceed:

                                a)  in the whole the total sum insured or in respect of any item its sum insured or any other limit of
                                   indemnity stated in the schedule at the time of the Damage

                                b)  the sum insured (or limit) remaining after deduction for any other Damage occurring during the
                                   same period of insurance unless we have agreed to reinstate any such sum insured (or limit).

                                2.1   Automatic Reinstatement of Sum Insured
                                In the absence of written notice by us or you to the contrary this insurance will not be reduced by the
                                amount of any loss in consideration of which you will pay the appropriate additional premium on the
                                amount of the loss from the date thereof to the expiry of the period of insurance provided always that
                                you take immediate steps to effect such additions to or variations in the protections of the property
                                insured as we may require.

                                2.2   Capital Additions and Alterations
                                This part includes:
                                a)  any newly acquired buildings or contents not otherwise insured within the territorial limits
                                b)  completed alterations, additions or improvements to buildings or contents

                                but not in respect of any appreciation in value during the current period of insurance at any of the
                                premises insured.

                                Provided always that:
                                i)  at any one site our liability will not exceed £5,000,000
                                ii)  you will supply to us details of all such extensions of cover at the end of each period of insurance
                                   and pay any additional premium required.

                                2.3   Contracting Purchasers
                                If at the time of Damage you have contracted to sell your interest in any building and the purchase
                                has yet to be completed when completion takes place the purchaser will be entitled to the benefit
                                under this part provided always that the property is not otherwise insured.

                                2.4   Drains and Gutters
                                This part includes reasonable costs and expenses necessarily incurred with our consent in cleaning or
                                clearing drains, sewers or gutters following Damage to your property or property for which you are
                                legally responsible provided always that our liability any One Event will not exceed £10,000.









                                                                                                                  15]]></page><page Index="42"><![CDATA[2.5   European Union and Public Authority Requirements (including Undamaged Property)
                                Subject to the following supplementary conditions this part in respect of buildings and contents
                                includes the additional cost of reinstatement including demolition and site clearance incurred solely by
                                reason of the necessity to comply with the stipulations of:
                                a)  European Union legislation
                                b)  Building or other regulations under or framed in pursuance of any Act of Parliament or bye-law of
                                   any public authority
                                hereinafter referred to as ‘the Stipulations’ in respect of Damage to the property insured and
                                undamaged portions thereof.
                                We will not pay for:

                                i)  the cost incurred in complying with the Stipulations:
                                   1)  in respect of damage not insured under this part
                                   2)  under which notice has been served upon you prior to the happening of the Damage

                                   3)  for which there is an existing requirement which has to be implemented within a given period
                                   4)  in respect of property entirely undamaged
                                ii)  the additional cost that would have been required to make good the property suffering Damage
                                   to a condition equal to its condition when new had the necessity to comply with the Stipulations
                                   not arisen
                                iii)  the amount of any charge or assessment arising out of capital appreciation which may be payable
                                   in respect of the property or by its owner by reason of compliance with the Stipulations.

                                Supplementary Conditions
                                1.  The work of reinstatement must be commenced and carried out without delay and in any case
                                   must be completed within 12 months of the Damage or within such further time as we may allow
                                   during the said 12 months and may be carried out upon another site if the Stipulations so
                                   necessitate subject to our liability under this clause not being increased.
                                2.  If our liability in respect of any item under this part apart from this clause is reduced by the
                                   application of any of the terms and conditions of this part then our liability under this clause will
                                   be reduced in like proportion.
                                3.  The total amount recoverable under this clause will not exceed:
                                   a)  in respect of the property suffering Damage:
                                      i)  15% of its sum insured

                                      ii)  where the sum insured under the item applies to property at more than one premises
                                         15% of the amount for which we would have been liable had the property insured under
                                         the item at the premises where the Damage has occurred been wholly destroyed
                                   b)  in respect of undamaged portions of property other than foundations 15% of the total
                                      amount for which we would have been liable had the property insured under the item at the
                                      premises where the Damage has occurred been wholly destroyed.








      16]]></page><page Index="43"><![CDATA[2.6   Fire Extinguishment Expenses
                                This part includes reasonable costs and expenses necessarily incurred by you for:
                                a)  refilling fire extinguishing appliances
                                b)  recharging gas flooding systems

                                c)  replacing used sprinkler heads
                                d)  refilling sprinkler tanks where water costs are metered
                                e)  resetting fire and intruder alarms

                                f)  fire brigade charges
                                following Damage.

                                Provided always that our liability any One Event will not exceed £10,000.
                                2.7   Freezer and Refrigerated Cabinet Contents
                                This part includes damage to contents contained in any deep freezer or refrigeration cabinet or
                                compartment which is not more than 10 years old caused by:
                                a)  change in temperature resulting from:
                                   i)  mechanical or electrical breakdown of the appliance

                                   ii)  accidental failure of the public electricity supply at the terminal points of the supplier’s feed to
                                      the premises

                                b)  accidental leakage of refrigerant or refrigerant fumes.
                                We will not pay for:
                                1)  damage due to your deliberate act or that of the electricity supplier

                                2)  the first £250 of each loss.
                                Provided always that our liability in respect of damage will not exceed £2,500 for the contents of any
                                one deep freezer or refrigeration cabinet or compartment nor £10,000 in any one period of insurance.

                                2.8   Glass
                                In the event of accidental breakage of fixed glass not otherwise insured at the premises for which you
                                are legally responsible we will pay you the reasonable cost of:
                                a)  replacement of such glass with glass of a similar quality or as otherwise recommended by the
                                   British or European Standard at the time of breakage
                                b)  temporary boarding up necessarily incurred through breakage of the glass
                                c)  repairing damage to frames and framework of any description and the cost of removing or
                                   replacing any stock or contents in order to replace the glass provided always that our liability any
                                   One Event will not exceed £5,000.












                                                                                                                  17]]></page><page Index="44"><![CDATA[We will not pay for:
                                i)  scratched glass

                                ii)  breakage or damage resulting from repairs or alterations to the premises or while the premises
                                   are unoccupied

                                iii)  the first £100 of each and every loss at each separate premises.

                                2.9   Landscaped Gardens
                                This part includes reasonable costs and expenses necessarily incurred with our consent in making good
                                damage caused by the emergency services to landscaped gardens or grounds at the premises caused
                                by Damage but excluding:
                                a)  the cost of movement of soil other than as necessary for surface preparation
                                b)  the failure of trees, shrubs, plants or turf to become established following replanting
                                c)  the failure of seeds to germinate.

                                Provided always that our liability any One Event will not exceed £10,000.

                                2.10  Metered Water
                                This part includes the cost of metered water for which you are legally responsible arising from its escape.
                                Provided always that:
                                a)  the amount payable in respect of any one premises is limited to such excess water charges resulting
                                   from accidental escape of water from pipes, apparatus or tanks in consequence of Damage
                                b)  our liability any One Event will not exceed £10,000.

                                2.11  Non-Invalidation
                                This insurance will not be invalidated by any act or omission or by any alteration whereby the risk of
                                Damage is increased unknown to you provided always that you immediately on becoming aware give
                                us notice and pay an additional premium if required.

                                2.12  Reinstatement Basis
                                Subject to the following supplementary conditions the basis upon which the amount payable in respect
                                of buildings and contents is to be calculated will be reinstatement.
                                Supplementary Conditions
                                1.  Our liability for the repair of partially damaged property will not exceed the amount which would
                                   have been payable had such property been wholly destroyed.
                                2.  No payment beyond the amount which would have been payable in the absence of this clause will
                                   be made:
                                   a)  unless reinstatement commences and proceeds without delay
                                   b)  until the cost of reinstatement has been incurred

                                   c)  if the property insured at the time of its Damage is insured by any other insurance effected by
                                      you or on your behalf which is not on the same basis of reinstatement.








      18]]></page><page Index="45"><![CDATA[3.  All the terms and conditions of this part will apply:
                                   a)  in respect of any claim payable under the provisions of this clause except in so far as they are
                                      varied hereby
                                   b)  where claims are payable as if this clause had not been incorporated.

                                4.  If at the time of reinstatement the sum representing 85% of the cost which would have been
                                   incurred in reinstating the whole of the property covered under any item subject to this clause
                                   exceeds its sum insured at the commencement of any Damage our liability will not exceed that
                                   proportion of the amount of the Damage which the said sum insured bears to the sum
                                   representing the total cost of reinstating the whole of such property at that time.

                                2.13  Trace and Access
                                In the event of damage resulting from insured perils 10 or 13f) if insured this part includes the
                                reasonable costs and expenses necessarily incurred with our consent in locating the source of such
                                damage and the subsequent making good of any damage caused provided always that our liability
                                any One Event will not exceed £10,000.

                                2.14  Underground Services
                                This part includes accidental damage to oil tanks, piping, ducting, cables, wires and associated control
                                gear and accessories serving the buildings but only to the extent of your legal responsibility provided
                                always that our liability any One Event will not exceed £10,000.

                                2.15  Upgrading Sprinkler Installation
                                This part includes additional costs incurred following Damage to any automatic sprinkler installation in
                                the event that on repair or reinstatement we require it to conform to the Loss Prevention Certification
                                Board rules for automatic sprinkler installations current at that time.

                                Section 3 – Special Provisions


                                1.  Debris Removal
                                The insurance under each item includes an amount in respect of reasonable costs and expenses
                                necessarily incurred with our consent in:
                                a)  removing debris of

                                b)  dismantling and/or demolishing
                                c)  shoring up or propping
                                d)  boarding up

                                e)  weatherproofing
                                the property insured following Damage.

                                We will not pay for any costs or expenses:
                                i)  incurred in removing debris except from the site of such property suffering Damage and the area
                                   immediately adjacent to such site

                                ii)  arising from pollution or contamination of property not insured under this part.






                                                                                                                  19]]></page><page Index="46"><![CDATA[2.  Designation
                                For the purposes of determining where necessary the heading under which any property is insured we
                                agree to accept the designation in your records.

                                3.  Inadvertent Omissions
                                You having notified us of your intention to insure all property as insured under this part in which you
                                have an interest and your belief being that all such property is insured if hereafter any property is
                                found to have been inadvertently omitted we will deem it to be insured under the terms and
                                conditions of this part subject to payment of the premium on all such property erected or purchased
                                as from the inception of this part or from the date of your interest in such property provided always
                                that our liability at any one site will not exceed £5,000,000.

                                4.  Involuntary Betterment
                                In the event that replacement property of like kind and quality is not obtainable new property which
                                is as similar as possible to that suffering Damage and which is capable of performing the same function
                                will be deemed to be new property of like kind and quality and in no event shall this be considered
                                as betterment.
                                We will also pay the cost of purchasing and installing technologically current equipment which is
                                necessitated by incompatibility between new equipment installed to replace equipment suffering
                                Damage and undamaged existing equipment at the same or an interdependent location.
                                Provided always that we will only be liable for:
                                a)  the amount sufficient to allow you to resume operations in substantially the same manner as
                                   before the Damage
                                b)  the difference between the highest sales value of the undamaged existing equipment at the same
                                   or interdependent location and the installed cost of the technologically current equipment.

                                5.  Mortgagees and Lessors
                                Any increase in the risk of Damage resulting from any act or neglect of any mortgagor, leaseholder,
                                lessee or occupier of any building will not prejudice the interest of any mortgagee, freeholder or lessor.
                                Provided always that:

                                a)  such increase in risk is without their prior knowledge or authority
                                b)  we are notified immediately they become aware of such increase in risk
                                and you pay an additional premium if required.

                                6.  Other Interests
                                It is agreed that various parties may have a legal interest in a portion of the property insured and you
                                undertake to declare the name, nature and extent of any interest of such party at the time of Damage.

                                7.  Professional Fees
                                The insurance under each item on buildings and contents includes an amount in respect of
                                reasonable architects’, surveyors’, legal and consulting engineers’ fees necessarily incurred in the
                                reinstatement or repair of the property insured consequent upon its Damage but not for preparing
                                any claim.







      20]]></page><page Index="47"><![CDATA[8.  Rent
                                Any item on rent applies only if any building or any portion of it is unfit for occupation in consequence
                                of its Damage and the amount payable will not exceed such proportion of the sum insured on rent as
                                the period necessary for reinstatement bears to the term of rent insured.

                                9.  Subrogation Waiver
                                In the event of a claim arising we agree to waive any right, remedy or relief to which we might become
                                entitled by subrogation against any tenant or lessee in respect of Damage to that portion of the
                                premises in the demise of that tenant or lessee or to those portions of the premises in which all the
                                tenants have a common interest where the premium has been paid by the tenant or lessee unless the
                                Damage arises out of the tenant’s or lessee’s gross negligence or as a result of the tenant’s or lessee’s
                                wilful act or recklessness.

                                10. Underinsurance
                                The sum insured under each item other than those applying solely to debris removal, professional fees,
                                rent or private dwelling houses is declared to be separately subject to underinsurance.
                                If at the commencement of Damage a sum insured under any item which is declared to be subject to
                                underinsurance is less than the value of the property covered under that item you will be considered
                                as being your own insurer for the difference and the amount payable will be proportionately reduced.

                                11. Workmen
                                Workmen are allowed to work in the buildings for the purposes of effecting any repairs, minor
                                additions and alterations or decorations without prejudice to this insurance.


                                Section 4 – Special Conditions

                                1.  Automatic Fire Alarm Installation
                                It is a condition precedent to our liability in respect of Damage that for any automatic fire alarm
                                installation in your custody or control you will:

                                a)  not make without our written consent any alteration or variation to any installation which has been
                                   required by us; and

                                b)  carry out the testing and checking requirements referred to on the completion certificate and
                                   remedy promptly any defect disclosed; and

                                c)  carry out the maintenance procedures specified by the manufacturers of the equipment; and
                                d)  notify us immediately of any disconnection or failure likely to leave any area unprotected for 12
                                   hours or more; and

                                e)  record details of any alarm activation, fault, test, maintenance and disconnection and keep such
                                   details available for examination by our representatives.
















                                                                                                                  21]]></page><page Index="48"><![CDATA[2.  Automatic Sprinkler Installation
                                It is a condition precedent to our liability in respect of Damage that for any automatic sprinkler
                                installation in your custody or control you will:

                                a)  take all reasonable steps to prevent frost and other damage to the installation and if it is your
                                   responsibility maintain:
                                   i)  the installation including any automatic external alarm signal in efficient working order; and

                                   ii)  ready access to the water supply control facilities; and
                                b)  in the event that change, repair or alteration to the installation is proposed notify us in writing and
                                   obtain our written consent; and
                                c)  notify us immediately of any disconnection or failure likely to leave any area unprotected for
                                   12 hours or more; and
                                d)  allow us access to the premises at all reasonable times for the purposes of inspecting the
                                   installation; and
                                e)  carry out a test:
                                   i)  every week for the purpose of ascertaining:

                                      1)  the condition of any automatic external alarm signal and the relevant batteries; and
                                      2)  that the water motor alarm is in working order and that the stop valves controlling the
                                         individual water supplies and the installation are fully open the results of such tests to be
                                         recorded; and
                                      3)  that any pump can be started both automatically and manually and that in respect of any
                                         diesel engine driven pump the battery electrolyte level and density are correct with the
                                         completion of these tests being recorded; and

                                   ii)  quarterly or half-yearly if we require it for the purposes of ascertaining that each water supply
                                      is in order with the particulars of each test being recorded; and

                                f)  remedy promptly any defect revealed by such tests or otherwise. In the event that repairs or
                                   alterations become necessary to the installation we may at our option suspend cover against
                                   accidental escape of water from the installation if insured until the alteration or repairs have been
                                   carried out and approved by us in writing; and
                                g)  have a contract with installing engineers approved by us providing for the maintenance and half-
                                   yearly inspection of the installation and to obtain following each inspection certification that it is in
                                   satisfactory working order.

                                3.  Firebreak Doors and Shutters
                                You will maintain any firebreak doors and shutters in your custody or control in efficient working order
                                and such doors and shutters will be kept closed except during working hours.















      22]]></page><page Index="49"><![CDATA[4.  Fire Extinguishing Appliances
                                Fire extinguishing appliances will be serviced and maintained under an annual service contract arranged
                                by you with a competent service provider.

                                This part will not be invalidated as a result of any defect in any of the said appliances unknown to you
                                or beyond your control.

                                5.  Intruder Alarm Installation
                                In respect of any intruder alarm system in your custody and control and required by us it is a condition
                                precedent to our liability in respect of Damage that:

                                a)  any such intruder alarm is:
                                   i)  designed and installed in accordance with a specification approved by us and no alteration or
                                      variation of any system or any structural alteration to the premises which would affect any
                                      system will be made without our written consent; and

                                   ii)  inspected and maintained under a contract with a company which is approved by us; and
                                   iii)  put into full and effective operation whenever the alarmed portion of the premises is closed
                                      for business or unattended; and

                                b)  you will maintain security of any key or other device and record of a code for the operation of any
                                   system and these will be removed from the premises whenever they are closed for business or
                                   unattended except that where a portion of the premises is occupied residentially by you or any
                                   employee any key or other device and record of a code will be removed from the business portion
                                   of the premises; and
                                c)  in the event of you receiving any notification or becoming aware that:

                                   i)  any system cannot be returned to or maintained in full working order
                                   ii)  any alarm transmission system is not in full and effective working order
                                   iii)  any alarm transmission or central station service has been withdrawn

                                   iv)  the police response to any system has been withdrawn or downgraded
                                   v)  notice has been received that imposes any requirement for abatement of a nuisance under the
                                      terms of the Environmental Protection Act 1990 or any similar legislation
                                   you will notify us immediately and will take immediate steps to effect such additions to or
                                   variations in the protections of the property insured as we may require; and
                                d)  for any system that incorporates an automatic transmission system between any protected building
                                   and a central monitoring station you will:

                                   i)  appoint at least 2 keyholders and lodge written details with the police and any central
                                      monitoring station; and

                                   ii)  notify the police and the central monitoring station of any changes to keyholder details; and
                                   iii)  ensure that in the event of notification of any activation of the system or interruption of any
                                      means of communication a keyholder attends the premises without delay.









                                                                                                                  23]]></page><page Index="50"><![CDATA[6.  Physical Protection
                                It is a condition precedent to our liability that:
                                a)  any additional protection required by us will be fitted in accordance with our requirements and
                                   together with all other devices for the protection of the property insured will be kept in good
                                   order and put into full and effective operation whenever the premises are closed for business or
                                   unattended; and
                                b)  you will maintain security of any key or other device and record of a code relative to the security
                                   of the premises or to any safe or strongroom containing the property insured and these will be
                                   removed from the premises whenever they are closed for business or unattended except that
                                   where a portion of the premises is occupied residentially by you or any employee any key or other
                                   device and record of a code will be removed from the business portion of the premises.

                                7.  Unoccupied Buildings
                                Immediately you become aware you will notify us when any building becomes unoccupied or when
                                an unoccupied building or a portion of it becomes occupied and you will:
                                a)  take immediate steps to effect such additions to or variations in the protections of the property
                                   insured as we may require; and

                                b)  pay an additional premium or an increase in your retained liability will be applied if required.
                                Immediately you become aware that any building is unoccupied you will:

                                i)  turn off all mains services except for the electricity supply to maintain any fire or intruder alarm
                                   system; and
                                ii)  completely drain the water system except that during the period 1 October to 1 April each year any
                                   central heating systems may be kept working at a minimum temperature of 5 degrees celsius.
                                   Where sprinkler systems are installed and water supplies must be maintained heating must be kept
                                   at a minimum temperature of 5 degrees celsius; and
                                iii)  arrange internal and external inspections of the building by an authorised representative, ensure such
                                   inspections are recorded and carried out at a frequency to be notified in writing by us and remove all
                                   waste and repair all damage identified in the course of such inspections without delay; and
                                iv)  seal up all letter boxes and take steps to prevent accumulation of mail; and
                                v)  secure the building against unlawful entry by closing and locking doors and windows and setting
                                   any fire or intruder alarm systems.
























      24]]></page><page Index="51"><![CDATA[Part B – Business Interruption


                                – Additional Expenditure




                                Section 1 – Special Definitions

                                Additional Expenditure
                                a)  Reasonable additional costs and expenses necessarily incurred in order to effectively continue
                                   administration and maintain services
                                b)  legal, clerical and other charges incurred in the replacement or restoration of deeds, plans,
                                   specifications, documents, books of account, card indexes and other office records
                                less any sum saved during the Indemnity Period in your normal expenditure which may have been
                                effected in consequence of the Incident.

                                Incident
                                damage by any of the insured perils stated in the schedule to property used by you at the premises
                                for the purposes of the business.

                                Indemnity Period
                                The period beginning with the occurrence of the Incident and ending not later than the Maximum
                                Indemnity Period thereafter during which the results of the business are affected.

                                Maximum Indemnity Period
                                The period stated in the schedule.

                                Terrorism
                                a)  In respect of any occurrence in England including the Channel Tunnel up to the frontier with the
                                   Republic of France as set out by the Treaty of Canterbury 1986, Wales, Scotland, Northern Ireland,
                                   the Isle of Man and Channel Islands but not the territorial seas adjacent thereto as defined by the
                                   Territorial Sea Act 1987, the Territorial Sea Act 1987 (Isle of Man) Order 1991, the Territorial Sea
                                   Act 1987 (Jersey) Order 1997 and Territorial Sea Act 1987 (Jersey) (Amendment) Order 2002:
                                   acts of persons acting on behalf of or in connection with any organisation which carries out
                                   activities directed towards the overthrowing or influencing by force or violence of Her Majesty’s
                                   government in the United Kingdom or any other government de jure or de facto

                                b)  in respect of any occurrence elsewhere than as described in a) above:
                                   any act or preparation in respect of action or threat of action designed to influence the government
                                   de jure or de facto of any nation or any political division thereof or in pursuit of political, religious,
                                   ideological or similar purposes to intimidate the public or a section of the public of any nation by
                                   any person or group whether acting alone or on behalf of or in connection with any organisation
                                   or government de jure or de facto and which:
                                   i)  involves violence against one or more persons

                                   ii)  involves damage to property
                                   iii)  endangers life other than that of the person committing the action

                                   iv)  creates a risk to health or safety of the public or a section of the public
                                   v)  is designed to interfere with or to disrupt an electronic system
                                c)  any action in controlling, preventing, suppressing, retaliating against or responding to any act or
                                   preparation in respect of action or threat of action described in a) or b) above.




                                                                                                                  25]]></page><page Index="52"><![CDATA[Section 2 – The Cover

                                In the event of an Incident during the period of insurance in consequence of which the business
                                carried out by you at the premises be interrupted or interfered with we will pay you the amount of
                                any Additional Expenditure except that relating to computer or data processing systems for the sole
                                purpose of avoiding or diminishing the interruption of or interference with the business which but for
                                the expenditure would have taken place during the Indemnity Period in consequence of the Incident.
                                Provided always that:

                                a)  at the time of the Incident there is in force an insurance covering your interest in the property
                                   against such Incident and that payment:

                                   i)  has been made or liability admitted therefor
                                   ii)  would have been made or liability admitted but for a proviso excluding liability for losses below
                                      a specified amount
                                b)  our liability under this part will not exceed:
                                   i)  the sum insured or any other limit of indemnity stated in the schedule at the time of the
                                      Incident
                                   ii)  the sum insured (or limit) remaining after deduction for any other interruption or interference
                                      consequent upon any Incident occurring during the same period of insurance unless we have
                                      agreed to reinstate the sum insured (or limit).

                                2.1   Automatic Reinstatement of Sum Insured
                                In the absence of written notice by us or you to the contrary this insurance will not be reduced by the
                                amount of any loss in consideration of which you will pay the appropriate additional premium on the
                                amount of the loss from the date thereof to the expiry of the period of insurance provided always that
                                you take immediate steps to effect such additions to or variations in the protections of the property
                                insured under part A as we may require.


                                Section 3 – Special Provision

                                1.  Value Added Tax
                                To the extent which you are accountable to the tax authorities for Value Added Tax all terms in this
                                part will be exclusive of such tax.

























      26]]></page><page Index="53"><![CDATA[Section 4 – Optional Extension

                                Applicable only where stated in the schedule.

                                1.  Public Utilities and Prevention of Access
                                Any loss as insured under this part resulting from interruption of or interference with the business in
                                consequence of damage by an insured peril to property at the under-noted sites within the territorial
                                limits will be deemed to be an Incident:
                                a)  any generating station or sub-station of any public electricity supplier
                                b)  any land-based premises of any public gas supplier or any natural gas producer linked directly
                                   to them
                                c)  any water works or pumping stations of any public water supplier
                                d)  any land-based premises of any public telecommunications supplier

                                from which you obtain electricity, gas, water or telecommunications services
                                e)  any site in the vicinity of the premises which prevents or hinders the use of or access to the
                                   premises excluding damage to property of any supplier which prevents or hinders the supply of
                                   services by any electricity, gas, water or telecommunications supplier to the premises.

                                Provided always that our liability will not exceed £1,000,000.















































                                                                                                                  27]]></page><page Index="54"><![CDATA[Insured Perils to Parts A and B








                                Applicable to parts A and B.

                                1.  Fire
                                Fire but excluding damage to property or business interruption caused by:
                                a)  explosion resulting from fire
                                b)  earthquake

                                c)  its undergoing any heating process or any process involving the application of heat.
                                Lightning

                                Explosion:
                                a)  of gas used for domestic purposes only
                                b)  of boilers used for domestic purposes only; and
                                c)  in respect of part B of any other boilers or economisers on the premises

                                but excluding damage or business interruption caused by earthquake.

                                2.  Housing Minimum Perils
                                In respect of buildings of private dwellings fire, lightning, explosion and aircraft or other aerial devices
                                or articles dropped from them.

                                3.  Explosion
                                Explosion excluding:
                                a)  in respect of part A damage to any vessel, machinery or apparatus or its contents belonging to
                                   you or under your control caused by an explosion originating therein
                                b)  in respect of part B business interruption caused by explosion originating in any vessel, machinery
                                   or apparatus or its contents belonging to you or under your control
                                which requires an examination to comply with any statutory regulation unless such vessel, machinery
                                or apparatus is the subject of a policy or other contract providing the required inspection service.

                                4.  Aircraft
                                Aircraft or other aerial devices or articles dropped from them.

                                5.  Riot
                                Riot, civil commotion, strikers, locked-out workers or persons taking part in labour disturbances or
                                malicious persons acting on behalf of or in connection with any political organisation excluding:

                                a)  damage or business interruption arising from confiscation, requisition or destruction by order of
                                   the government or any public authority

                                b)  damage or business interruption in Northern Ireland occasioned by or happening through or in
                                   consequence directly or indirectly of civil commotion

                                c)  in respect of part B business interruption arising from deliberate erasure, loss, distortion or
                                   corruption of information on computer systems or other records, programmes or software.








      28]]></page><page Index="55"><![CDATA[6.  Riot and Malicious Persons
                                Riot, civil commotion, strikers, locked-out workers or persons taking part in labour disturbances or
                                malicious persons excluding:

                                a)  damage or business interruption:
                                   i)  arising from confiscation, requisition or destruction by order of the government or any
                                      public authority

                                   ii)  caused other than by fire or explosion by malicious persons not acting on behalf of or in
                                      connection with any political organisation in respect of any building which is empty or not in
                                      use for more than 30 consecutive days
                                   iii)  in Northern Ireland occasioned by or happening through or in consequence directly or indirectly
                                      of civil commotion
                                b)  damage by theft directly caused by malicious persons not acting on behalf of or in connection
                                   with any political organisation
                                c)  in respect of part B business interruption arising from deliberate erasure, loss, distortion or
                                   corruption of information on computer systems or other records, programs or software.

                                7.  Earthquake
                                Earthquake.

                                8.  Storm
                                Storm excluding damage or business interruption:
                                a)  caused by:

                                   i)  the escape of water from the normal confines of any natural or artificial water course, lake,
                                      reservoir, canal or dam

                                   ii)  inundation from the sea
                                b)  attributable solely to change in the water table level
                                c)  caused by frost, subsidence, ground heave or landslip

                                d)  in respect of movable property in the open, fences and gates.

                                9.  Storm and Flood
                                Storm or flood excluding damage or business interruption:

                                a)  attributable solely to change in the water table level
                                b)  caused by frost, subsidence, ground heave or landslip
                                c)  in respect of movable property in the open, fences and gates.


                                10. Escape of Water
                                Escape of water from any tank, apparatus or pipe excluding damage or business interruption:

                                a)  caused by water discharged or leaking from any automatic sprinkler installation
                                b)  in respect of any building which is empty or not in use for more than 30 consecutive days.






                                                                                                                  29]]></page><page Index="56"><![CDATA[11. Impact
                                Impact by any road vehicle or by goods falling from them or by any animal.

                                12. Sprinkler Leakage
                                Accidental escape of water from any automatic sprinkler installation in the premises not caused by:

                                a)  freezing while the building in so far as it is in your ownership or tenancy is empty or not in use for
                                   more than 30 consecutive days

                                b)  explosion, earthquake or heat caused by fire.
                                13. Houseowners
                                Being insured perils 2, 5, 7, 8, 10, 11 and 12 and:
                                a)  theft involving breaking into or out of the buildings at the premises by forcible or violent means
                                   excluding damage in respect of any building which is empty or not in use
                                b)  breakage or collapse of communication apparatus
                                c)  accidental breakage of fixed glass and or fixed sanitary ware except in respect of any building
                                   which is empty or not in use
                                d)  accidental damage to supply pipes and cables
                                e)  falling trees or branches
                                f)  leakage of fuel oil from any fixed oil-fired installation including smoke and smudge damage arising
                                   from defective vaporisation.
                                Supplementary Provision to Insured Peril 13
                                We will indemnify you in respect of loss of rent if any building or any portion of it is unfit for
                                occupation but only in respect of the period necessary for reinstatement for an amount not exceeding
                                20% of the full value of the building.

                                14. Subsidence
                                Subsidence or ground heave of any part of the site on which the property stands or landslip excluding:
                                a)  damage or business interruption arising from damage to adjoining and specifically associated
                                   yards, car parks, roads, pavements, forecourts, walls, gates, fences and exterior swimming pools
                                   unless a building insured at the same premises is also damaged
                                b)  damage or business interruption caused by or consisting of:
                                   i)  the normal settlement or bedding down of new structures
                                   ii)  the settlement or movement of made-up ground

                                   iii)  coastal or river erosion
                                   iv)  defective design or workmanship or the use of defective materials
                                   v)  fire, explosion, earthquake or escape of water
                                c)  damage or business interruption which originated prior to the inception of this cover
                                d)  damage or business interruption resulting from:

                                   i)  demolition, construction, structural alteration or repair of any property
                                   ii)  groundworks or excavation
                                   at the same premises.
                                Supplementary Condition to Insured Peril 14

      30]]></page><page Index="57"><![CDATA[This cover will be invalidated if the risk of damage or business interruption is increased without our
                                written consent by reason of demolition, groundworks, excavation or construction being carried out on
                                any adjoining site.

                                15. All Other Damage
                                All risks of accidental damage to the property insured excluding:
                                a)  damage or business interruption caused by insured perils 1 to 12 above whether insured or not
                                   or specifically excluded by those insured perils
                                b)  damage or business interruption resulting from or caused by:

                                   i)  asbestos material removal
                                   ii)  demolition or increased cost of reconstruction, repair, debris removal or loss of use necessitated
                                      by the enforcement of any law or ordinance regulating asbestos material

                                   iii)  any governmental direction or request declaring that asbestos material present in, part of or
                                      utilised on any undamaged portion of the property insured must be removed or modified

                                c)  damage or business interruption caused by or consisting of:
                                   i)  inherent vice, latent defect, gradual deterioration, wear and tear, its own faulty or defective
                                      design or materials
                                   ii)  faulty or defective workmanship, operational error or omission on your part or the part of
                                      any employee
                                   but this will not exclude subsequent damage or business interruption which itself results from a
                                   cause not otherwise excluded

                                d)  damage or business interruption caused by or consisting of:
                                   i)  corrosion, erosion, oxidation, rust, wet or dry rot, shrinkage, evaporation, loss of weight,
                                      mould, dampness, dryness, marring, scratching, vermin, insects or action of light
                                   ii)  change in temperature, humidity, colour, flavour, texture or finish
                                   iii)  theft or attempted theft

                                   iv)  joint leakage, failure of welds, cracking, fracturing, collapse or overheating of boilers,
                                      economisers, superheaters, pressure vessels or any range of associated steam and feed piping
                                   v)  mechanical or electrical breakdown or derangement of the particular machine, apparatus or
                                      equipment in which such breakdown or derangement originates
                                   vi)  the deliberate act of a supply undertaking in withholding the supply of water, gas, electricity,
                                      fuel or telecommunications services
                                   vii)  the deliberate act of withholding the provision of extranets or access to or presence on the
                                      internet or access to application and related services over the internet
                                   but this will not exclude:

                                   1)  such damage or business interruption not otherwise excluded which itself results from any
                                      other accidental damage
                                   2)  subsequent damage or business interruption which itself results from a cause not
                                      otherwise excluded




                                                                                                                  31]]></page><page Index="58"><![CDATA[e)  damage or business interruption caused by or consisting of:
                                   i)  subsidence, ground heave or landslip

                                   ii)  normal settlement or bedding down of new structures
                                   iii)  acts of fraud or dishonesty
                                   iv)  1)  disappearance

                                      2)  unexplained or inventory shortage, misfiling or misplacing of information
                                      3)  bookkeeping, accounting or billing errors or omissions

                                      4)  shortages due to error or omission
                                   v)  erasure, loss, distortion or corruption of information on computer systems or other records,
                                      programs or software

                                f)  damage to buildings or any structure caused by its own collapse or cracking
                                g)  damage or business interruption other than by fire or explosion resulting from its undergoing
                                   any process of production, packing, treatment, testing, commissioning, servicing or repair
                                h)  damage to:
                                   i)  audio or visual equipment where the value any one item exceeds £1,000, precious stones,
                                      precious metals, bullion, furs, curiosities, works of art, rare books, jewellery or watches
                                   ii)  property in transit

                                   iii)  glass other than fixed glass, china, earthenware, marble or other fragile or brittle objects
                                   iv)  computer equipment
                                   v)  money

                                i)  in respect of part A unless specifically mentioned as insured land, roads, pavements, piers, jetties,
                                   bridges, culverts or excavations.

































      32]]></page><page Index="59"><![CDATA[Part C – Works in Progress – ‘All Risks’








                                Section 1 – Special Definitions

                                Damage
                                damage to the property insured shown in section 2 and stated in the schedule resulting from a cause
                                not otherwise excluded.

                                Terrorism
                                a)  In respect of any occurrence in England including the Channel Tunnel up to the frontier with the
                                   Republic of France as set out by the Treaty of Canterbury 1986, Wales, Scotland, Northern Ireland,
                                   the Isle of Man and Channel Islands but not the territorial seas adjacent thereto as defined by the
                                   Territorial Sea Act 1987, the Territorial Sea Act 1987 (Isle of Man) Order 1991, the Territorial Sea
                                   Act 1987 (Jersey) Order 1997 and Territorial Sea Act 1987 (Jersey) (Amendment) Order 2002:
                                   acts of persons acting on behalf of or in connection with any organisation which carries out
                                   activities directed towards the overthrowing or influencing by force or violence of Her Majesty’s
                                   government in the United Kingdom or any other government de jure or de facto
                                b)  in respect of any occurrence elsewhere than as described in a) above:

                                   any act or preparation in respect of action or threat of action designed to influence the government
                                   de jure or de facto of any nation or any political division thereof or in pursuit of political, religious,
                                   ideological or similar purposes to intimidate the public or a section of the public of any nation by
                                   any person or group whether acting alone or on behalf of or in connection with any organisation
                                   or government de jure or de facto and which:
                                   i)  involves violence against one or more persons

                                   ii)  involves damage to property
                                   iii)  endangers life other than that of the person committing the action
                                   iv)  creates a risk to health or safety of the public or a section of the public

                                   v)  is designed to interfere with or to disrupt an electronic system
                                c)  any action in controlling, preventing, suppressing, retaliating against or responding to any act or
                                   preparation in respect of action or threat of action described in a) or b) above.

                                Section 2 – Property Insured

                                The property insured comprises:
                                a)  works in progress comprising new buildings in course of erection and alterations or additions to
                                   existing buildings including unfixed goods and materials on or adjacent to the site for incorporation
                                   therein all your property or for which you are legally responsible but excluding any temporary
                                   buildings, plant, machinery, tools and equipment the property of any contractor or subcontractor
                                   or for which they are responsible. Our liability in respect of any single works in progress contract
                                   will not exceed the amount stated in the schedule as the limit of any one contract
                                b)  existing buildings and their contents insured under part A but only during the period in which the
                                   buildings are undergoing alterations or additions including any agreed period for maintenance or
                                   making good defects.








                                                                                                                  33]]></page><page Index="60"><![CDATA[Section 3 – The Cover

                                In the event of Damage occurring during the period of insurance we will pay you the value of the
                                property at the time of its Damage or the cost of repair of the Damage or at our option reinstate or
                                replace such property or any portion of it.
                                Provided always that our liability under this part will not exceed:

                                a)  in the whole the total sum insured or in respect of any item its sum insured or any other limit of
                                   indemnity stated in the schedule at the time of the Damage

                                b)  the sum insured (or limit) remaining after deduction for any other Damage occurring during the
                                   same period of insurance unless we have agreed to reinstate any such sum insured (or limit).

                                3.1   European Union and Public Authority Requirements (including Undamaged Property)
                                Subject to the following supplementary conditions this part in respect of buildings and contents
                                includes the additional cost of reinstatement incurred solely by reason of the necessity to comply with
                                the stipulations of:
                                a)  European Union legislation

                                b)  Building or other regulations under or framed in pursuance of any Act of Parliament or bye-law of
                                   any public authority

                                hereinafter referred to as ‘the Stipulations’ in respect of Damage to the property insured and
                                undamaged portions thereof.
                                We will not pay for:

                                i)  the cost incurred in complying with the Stipulations:
                                   1)  in respect of damage not insured under this part
                                   2)  under which notice has been served upon you prior to the happening of the Damage

                                   3)  for which there is an existing requirement which has to be implemented within a given period
                                ii)  the additional cost that would have been required to make good the property suffering Damage
                                   to a condition equal to its condition when new had the necessity to comply with the Stipulations
                                   not arisen
                                iii)  the amount of any charge or assessment arising out of capital appreciation which may be payable
                                   in respect of the property or by its owner by reason of compliance with the Stipulations.
                                Supplementary Conditions
                                1.  The work of reinstatement must be commenced and carried out without delay and in any case
                                   must be completed within 12 months of the Damage or within such further time as we may allow
                                   during the said 12 months and may be carried out upon another site if the Stipulations so
                                   necessitate subject to our liability under this clause not being increased.
                                2.  If our liability in respect of any item under this part apart from this clause is reduced by the
                                   application of any of the terms and conditions of this part then our liability under this clause will
                                   be reduced in like proportion.










      34]]></page><page Index="61"><![CDATA[3.  The total amount recoverable under this clause will not exceed:
                                   a)  in respect of the property suffering Damage:

                                      i)  15% of its sum insured
                                      ii)  where the sum insured under the item applies to property at more than one premises
                                         15% of the amount for which we would have been liable had the property insured under
                                         the item at the premises where the Damage has occurred been wholly destroyed

                                   b)  in respect of undamaged portions of property other than foundations 15% of the total
                                      amount for which we would have been liable had the property insured under the item at the
                                      premises where the Damage has occurred been wholly destroyed.

                                3.2   Expediting Expenses
                                This part includes reasonable costs and expenses necessarily incurred with our consent in effecting
                                temporary repair and of expediting permanent repair including overtime working and the use of rapid
                                transport provided always that the cost does not exceed 50% of the cost of repair had such cost not
                                been incurred.

                                3.3   Indemnity to Other Persons
                                We agree that:
                                a)  all interest in the insurance will be vested jointly in you and any contractor employed by you to
                                   undertake the works in progress as stated in the schedule
                                b)  any rights or remedies to which we may become entitled or subrogated upon paying for or making
                                   good any Damage will not be pursued against any nominated subcontractor or domestic
                                   subcontractor in any period from commencement of to the issue of a certificate of practical
                                   completion for the subcontract works.
                                   This waiver does not apply to:
                                   i)  Damage caused other than by fire, lightning, explosion, aircraft and other aerial devices or
                                      articles dropped from them, riot, civil commotion, strikers, locked out workers, persons taking
                                      part in labour disturbances, earthquake, storm, flood or escape of water from any tank,
                                      apparatus or pipe
                                   ii)  domestic subcontractors in so far as the Damage extends to existing buildings or their contents.


                                Section 4 – Special Exclusions

                                This part does not cover:

                                1.  Completed Work
                                Damage to work for which a certificate of practical completion has been issued
















                                                                                                                  35]]></page><page Index="62"><![CDATA[2.  Defective Design
                                the cost of reinstating or repairing:
                                a)  any work executed or any site materials suffering damage as a result of its own faulty or defective
                                   design, materials, plans, specification, faulty or defective workmanship or operational error or
                                   omission or other work executed which suffers damage in consequence thereof where such work
                                   relied for its support or stability on work which is defective
                                b)  property which is defective due to wear and tear, obsolescence, deterioration, rust or mildew

                                3.  Fines or Penalties
                                any fine or penalty for non-completion, non-compliance or delay

                                4.  Northern Ireland Civil Commotion
                                damage in Northern Ireland occasioned by or happening through or in consequence directly or
                                indirectly of civil commotion

                                5.  Unexplained Losses
                                Damage caused by or consisting of disappearance, unexplained or inventory shortage, misfiling or
                                misplacing of information or shortages due to error or omission.


                                Section 5 – Special Provisions

                                1.  Contracts (Rights of Third Parties) Act 1999
                                For the purposes of the Contracts (Rights of Third Parties) Act 1999 this part is not enforceable by any
                                third party.

                                2.  Debris Removal
                                The insurance under each item on works in progress includes an amount in respect of reasonable costs
                                and expenses necessarily incurred with our consent in:
                                a)  removing debris of
                                b)  dismantling or demolishing

                                c)  shoring up or propping
                                d)  boarding up
                                e)  weatherproofing

                                the property insured following Damage.
                                We will not pay any costs or expenses:
                                i)  incurred in removing debris except from the site of such property suffering Damage and the area
                                   immediately adjacent to such site
                                ii)  arising from pollution or contamination of property not insured under this part.

                                3.  Professional Fees
                                The insurance under section 2a) includes an amount in respect of reasonable architects’, surveyors’,
                                legal and consulting engineers’ fees necessarily incurred in the reinstatement or repair of the property
                                insured consequent upon its Damage but not for preparing any claim.




      36]]></page><page Index="63"><![CDATA[Section 6 – Special Condition

                                1.  Joint Code of Practice
                                You undertake to comply with The Joint Code of Practice on the Protection from Fire of Construction
                                Sites and Buildings Undergoing Renovation dated May 1992 or any subsequent amendment to or
                                revised edition thereof current at inception of any period of insurance (hereinafter referred to as
                                ‘The Joint Code’).
                                The Joint Code will only apply to the works in progress where any original individual contract price is
                                £5,000,000 or more. For the purpose of paragraph 6.3 of The Joint Code if the individual estimated
                                works in progress contract price exceeds £20,000,000 it will be regarded as a large project.

                                Our appointed representative will have the right at all reasonable times to enter and inspect the
                                contract site for the purpose of checking whether the conditions thereon in all respects comply with
                                The Joint Code.
                                If we become aware of a breach of The Joint Code we may inform the main contractor’s site
                                management of the nature of the breach specifying the remedial measures we require (hereinafter
                                referred to as ‘the Remedial Measures’) and the period within which these must be completed.

                                Where we consider such a breach is of sufficient importance we may confirm the same by notice in
                                writing to you (herein referred to as ‘Notice’). Such Notice will be given by special delivery mail, facsimile
                                transmission or by hand. Under the terms of this or any subsequent Notice we may suspend or cancel
                                cover at the contract site concerned from the date stated in the Notice not being a date earlier than the
                                date named for completion of the Remedial Measures it being understood that upon suspension cover
                                will be reinstated when we are satisfied that the Remedial Measures have been completed.











































                                                                                                                  37]]></page><page Index="64"><![CDATA[Exclusions to Parts A, B and C







                                Parts A, B and C do not cover:

                                1.  Consequential Loss
                                in respect of parts A and C only consequential loss of whatsoever nature other than loss of rent if insured

                                2.  Electronic Risks
                                a)  damage caused by virus or similar mechanism or hacking or denial of service attack to any
                                   computer or other equipment or component or system or item which processes, stores, transmits,
                                   retrieves or receives data or any part thereof whether tangible or intangible including but without
                                   limitation any information or programs or software and whether the property is insured or not
                                b)  business interruption directly or indirectly caused by or arising from virus or similar mechanism
                                   or hacking or denial of service attack
                                but this will not exclude damage or business interruption which results from a defined peril
                                including the acts of thieves but excluding the acts of malicious persons which do not involve physical
                                force or violence

                                3.  Pollution or Contamination
                                damage to property caused by or business interruption resulting from pollution or contamination
                                but this will not exclude damage or business interruption not otherwise excluded caused by:
                                a)  pollution or contamination which itself results from a defined peril

                                b)  a defined peril which itself results from pollution or contamination
                                4.  Property Excluded
                                in respect of part A unless specifically mentioned as insured:
                                a)  property which at the time of the happening of Damage is insured by or would but for the
                                   existence of this part be insured by any marine policy except in respect of any excess beyond the
                                   amount which would have been payable under such policy had this part not been effected
                                b)  motor vehicles licensed for road use including accessories thereon, caravans, trailers, railway
                                   locomotives, rolling stock, watercraft, aircraft or spacecraft
                                c)  artificial sports surfaces
                                d)  playground equipment
                                e)  livestock
                                f)  trees, shrubs, plants or turf other than when incorporated as part of the structure of the buildings

                                g)  buildings or structures in course of construction, erection, alteration, addition or improvement and
                                   materials or supplies in connection therewith

                                5.  Property More Specifically Insured
                                any property more specifically insured

                                6.  Riot
                                damage to property caused by or business interruption arising from riot unless this insured peril is
                                stated in the schedule and then only to the extent stated.

                                7.  Terrorism
                                loss, damage, consequential loss, cost or expense directly or indirectly caused by, contributed to by,
                                resulting from or arising out of or in connection with Terrorism.
                                In any action or suit or other proceedings where we allege that by reason of this exclusion cover is not
                                provided under these parts the burden of proving that cover is provided under these parts will be upon you.
      38]]></page><page Index="65"><![CDATA[Endorsements to Parts A, B and C








                                Applicable only where stated in the schedule.

                                1.  Notifiable Diseases
                                This insurance includes loss resulting from interruption of or interference with the business carried on
                                by you at the premises in consequence of:

                                a)  i)  any occurrence of a Notifiable Disease at the premises or attributable to food or drink supplied
                                      from the premises
                                   ii)  any discovery of an organism at the premises likely to result in the occurrence of a
                                      Notifiable Disease
                                   iii)  any occurrence of a Notifiable Disease within a radius of 10 miles of the premises

                                b)  the discovery of vermin or pests at the premises
                                c)  any accident causing defects in the drains or other sanitary arrangements at the premises
                                which causes restrictions on the use of the premises on the order or advice of a competent
                                local authority
                                d)  any occurrence of murder or suicide at the premises.
                                Supplementary Provisions
                                1.  For the purpose of this endorsement:
                                   a)  ‘Notifiable Disease’ will mean illness sustained by any person resulting from:
                                      i)  food or drink poisoning
                                      ii)  one of the following specified human infectious or human contagious diseases:
                                         Acute encephalitis     Ophthalmia neonatorum
                                         Acute poliomyelitis    Paratyphoid fever
                                         Anthrax                Rabies
                                         Bubonic Plague         Relapsing fever
                                         Cholera                Rubella
                                         Diphtheria             Scarlet fever
                                         Dysentery              Smallpox
                                         Legionellosis          Tetanus
                                         Legionnaires Disease   Tuberculosis
                                         Leprosy                Typhoid fever
                                         Leptospirosis          Typhus fever
                                         Malaria                Viral hepatitis
                                         Measles                Viral haemorrhagic
                                         Meningitis             Whooping cough
                                         Meningococcal Infection   Yellow fever
                                         Mumps
                                      an outbreak of which the competent local authority has stipulated shall be notified to them.
                                   b)  ‘Indemnity Period’ will mean the period during which the results of the business are affected
                                      in consequence of the occurrence, discovery or accident beginning with the date from which
                                      the restrictions on the premises are applied or in the case of d) above with the date of the
                                      occurrence and ending not later than the Maximum Indemnity Period thereafter.
                                   c)  ‘Maximum Indemnity Period’ will mean 3 months.

                                                                                                                  39]]></page><page Index="66"><![CDATA[2.  In the event that part B includes an extension which deems loss or damage at other locations to be
                                   loss or damage at the premises such extension will not apply to this endorsement.
                                3.  We will not be liable under this endorsement for:
                                   a)  loss arising from restrictions on the use of the premises in consequence of an emergency
                                      prohibition notice or emergency prohibition order being served against you or the manager
                                      of the premises in relation to a breach of the Food Safety Act 1990, General Food Regulations
                                      2004 or Food Hygiene Regulations 2006
                                   b)  any costs incurred in the cleaning, repair, replacement, recall or checking of property.

                                4.  You will comply with all issues identified as Contraventions arising from a Food Premises Inspection
                                   Report within the timescales stated in such report.

                                5.  You will notify us immediately of any prohibition notice, emergency prohibition notice or emergency
                                   prohibition order served against you or the manager of the premises in relation to a breach of the
                                   Food Safety Act 1990, General Food Regulations 2004 or Food Hygiene Regulations 2006
                                6.  We will only be liable for the loss arising at those premises which are directly affected by the
                                   occurrence, discovery or accident then only for an amount not exceeding £1,000,000 or the sum
                                   insured whichever is the lesser.

                                2.  Reinstatement Day One Non Adjustable Basis
                                For any item under part A where you have stated in writing the Declared Value (shown in brackets below
                                the sum insured stated on the schedule) the premium for each item has been calculated accordingly.
                                Supplementary Conditions
                                1.  At the inception of each period of insurance you will provide us with the Declared Value of the
                                   property to be insured under each item. In the absence of a declaration the last amount declared
                                   by you will be taken as the Declared Value for the ensuing period of insurance.

                                2.  All the terms and conditions of part A will apply where claims are payable as if this clause had not
                                   been incorporated except the sum insured will be limited to the percentage of the Declared Value
                                   stated in the schedule.
                                3.  Part A section 2.12 supplementary condition 4 is held to read ‘If at the time of Damage the
                                   Declared Value of the property covered by an item is less than the cost of reinstatement at the
                                   inception of the period of insurance then our liability for Damage will not exceed that proportion
                                   which the Declared Value bears to such cost of reinstatement.

                                3.  Your Voluntary Retained Liability
                                A.  Each Loss
                                Your retained liability stated in the schedule for each and every loss at each separate premises.

                                B.  One Event
                                Your retained liability stated in the schedule arising from One Event.

                                C.  Annual Aggregate
                                If during the annual period of insurance the aggregate of the amounts borne by you under the terms
                                of A or B above exceed the amount stated in the schedule we will pay any excess amount. All losses to
                                be taken into account in arriving at the aggregate figure will be notified to us.








      40]]></page><page Index="67"><![CDATA[D.  Annual Aggregate Non-Ranking
                                If during the annual period of insurance the aggregate of the amounts borne by you under the terms
                                of A or B above less the non-ranking deductible exceed the amount stated in the schedule we will
                                pay any excess amount less the non-ranking deductible. All losses to be taken into account in arriving
                                at the aggregate figure will be notified to us.

                                E.  Aggregate
                                You will be responsible for all losses in each separate period of insurance up to the amount stated in
                                the schedule. If this is exceeded we will pay any excess amount. All losses to be taken into account in
                                arriving at the aggregate figure will be notified to us.

                                F.  Aggregate Non-Ranking
                                You will be responsible for all losses in each separate period of insurance up to the amount stated in
                                the schedule. If this less the non-ranking deductible is exceeded we will pay any excess amount less
                                the non-ranking deductible. All losses to be taken into account in arriving at the aggregate figure will
                                be notified to us.

























































                                                                                                                  41]]></page><page Index="68"><![CDATA[Part D – ‘All Risks’








                                Section 1 – Special Definitions

                                Damage
                                damage resulting from a cause not otherwise excluded.

                                Terrorism
                                a)  In respect of any occurrence in England including the Channel Tunnel up to the frontier with the
                                   Republic of France as set out by the Treaty of Canterbury 1986, Wales, Scotland, Northern Ireland,
                                   the Isle of Man and Channel Islands but not the territorial seas adjacent thereto as defined by the
                                   Territorial Sea Act 1987, the Territorial Sea Act 1987 (Isle of Man) Order 1991, the Territorial Sea
                                   Act 1987 (Jersey) Order 1997 and Territorial Sea Act 1987 (Jersey) (Amendment) Order 2002:
                                   acts of persons acting on behalf of or in connection with any organisation which carries out
                                   activities directed towards the overthrowing or influencing by force or violence of Her Majesty’s
                                   government in the United Kingdom or any other government de jure or de facto

                                b)  in respect of any occurrence elsewhere than as described in a) above:
                                   any act or preparation in respect of action or threat of action designed to influence the government
                                   de jure or de facto of any nation or any political division thereof or in pursuit of political, religious,
                                   ideological or similar purposes to intimidate the public or a section of the public of any nation by
                                   any person or group whether acting alone or on behalf of or in connection with any organisation
                                   or government de jure or de facto and which:
                                   i)  involves violence against one or more persons
                                   ii)  involves damage to property
                                   iii)  endangers life other than that of the person committing the action

                                   iv)  creates a risk to health or safety of the public or a section of the public
                                   v)  is designed to interfere with or to disrupt an electronic system

                                c)  any action in controlling, preventing, suppressing, retaliating against or responding to any act or
                                   preparation in respect of action or threat of action described in a) or b) above.


                                Section 2 – The Cover
                                In the event of Damage to the property insured stated in the schedule occurring during the period of
                                insurance within the territorial limits we will at our option indemnify you by payment, reinstatement,
                                replacement or repair.

                                Provided always that our liability will not exceed:
                                a)  in respect of any item its sum insured

                                b)  the sum insured (or limit) remaining after deduction for any other Damage occurring during the
                                   same period of insurance unless we have agreed to reinstate any such sum insured (or limit).













      42]]></page><page Index="69"><![CDATA[Section 3 – Special Exclusions

                                This part does not cover:

                                1.  Causes Excluded
                                damage caused by fire, lightning, explosion or aircraft or articles dropped from them


                                2.  Changes in Environment or Mechanical or Electrical Breakdown
                                damage caused by or consisting of:

                                a)  corrosion, erosion, rust, wet or dry rot, shrinkage, evaporation, loss of weight, dampness, mould,
                                   dryness, marring, scratching, vermin or insects
                                b)  change in temperature, colour, flavour, texture or finish

                                c)  mechanical or electrical breakdown or derangement of the particular machine, apparatus or
                                   equipment in which such breakdown or derangement originates

                                but this will not exclude subsequent damage which itself results from a cause not otherwise excluded

                                3.  Confiscation
                                confiscation, destruction or detention by customs or other authorities

                                4.  Consequential Loss
                                consequential loss of whatsoever nature

                                5.  Depreciation, Gradually Operating Changes and Faulty or Defective Design or Workmanship
                                damage caused by or consisting of:
                                a)  depreciation, inherent vice, latent defect, gradual deterioration, wear and tear, frost or change in
                                   water table level
                                b)  faulty or defective design or materials
                                c)  faulty or defective workmanship, operational error or omission on your part or the part of
                                   any employee
                                but this will not exclude subsequent damage which itself results from a cause not otherwise excluded
                                d)  pollution or contamination


                                6.  Electronic Risks
                                damage caused by virus or similar mechanism or hacking or denial of service attack to any
                                computer or other equipment or component or system or item which processes, stores, transmits,
                                retrieves or receives data or any part thereof whether tangible or intangible including but without
                                limitation any information or programs or software and whether the property is insured or not but this
                                will not exclude damage which results from a defined peril including the acts of thieves but excluding
                                the acts of malicious persons which do not involve physical force or violence

                                7.  Fraud or Dishonesty
                                damage arising from any act of fraud or dishonesty committed or connived at by any employee








                                                                                                                  43]]></page><page Index="70"><![CDATA[8.  Maintenance and Testing
                                damage caused by any testing, commissioning, repairing, adjusting, treatment, servicing or
                                maintenance operation

                                9.  Property Excluded
                                computer equipment and money

                                10. Riot, Civil Commotion or Strike
                                damage contributed to, caused by or arising from riot, civil commotion, strike or locked-out workers
                                occurring outside Great Britain, the Isle of Man and the Channel Islands

                                11. Terrorism
                                damage directly or indirectly caused by, contributed to by, resulting from or arising out of Terrorism.
                                In any action or suit or other proceedings where we allege that by reason of this special exclusion
                                cover is not provided under this part the burden of proving that cover is provided under this part will
                                be upon you

                                12. Theft from Unattended Motor Vehicles
                                theft from an unattended motor vehicle unless:
                                a)  the property insured is concealed in a glove compartment or locked luggage compartment; and

                                b)  all doors are locked; and
                                c)  all windows and the roof are closed and fastened; and
                                d)  all security devices are put in full and effective operation; and

                                e)  all keys or any other removable ignition device of the vehicle are removed

                                13. Unexplained Losses
                                damage caused by or consisting of disappearance, unexplained or inventory shortage, misfiling or
                                misplacing of information or shortages due to error or omission.


                                Section 4 – Special Provision

                                1.  Underinsurance
                                If at the commencement of Damage a sum insured under any item is less than the value of the
                                property covered under that item you will be considered as being your own insurer for the difference
                                and the amount payable will be proportionately reduced.




















      44]]></page><page Index="71"><![CDATA[Exclusion to Parts A, B, C and D








                                Parts A, B, C and D do not cover:

                                1.  Your Standard Retained Liability
                                except where endorsement 3 applies your retained liability as stated in the schedule for each and
                                every loss at each separate premises arising from any insured peril stated in the schedule.









































































                                                                                                                  45]]></page><page Index="72"><![CDATA[Part E – Computer








                                Section 1 – Special Definitions


                                Accident
                                Any fortuitous event which is not covered or specifically excluded by the wording of any other Special
                                Definition applicable to this part.

                                Additional Expenditure
                                Additional expenditure incurred in order to maintain effectively the services provided by the computer
                                equipment including the fitting up of alternative premises, costs of removal, purchase of time using
                                alternative computer equipment or the hiring of alternative machinery and related expenses including
                                the increased costs incurred for rent, rates, taxes, lighting, heating, cleaning and insurance as a result
                                of the enforced occupation of temporary premises.

                                Additional Interest
                                Interest charges payable on money borrowed by you solely and necessarily to maintain income
                                normally received from tax and rate demands provided always that the rate of interest will not exceed
                                by more than 1% the 3 monthly Local Authority Rate at the date of borrowing.

                                Breakdown
                                Actual breaking or burning out of any part whilst actually in use arising from either mechanical or
                                electrical defect including fluctuations in power supply or derangement to the computer equipment
                                causing sudden stoppage of its functions and necessitating repair, replacement or rearrangement
                                before it can resume working.

                                Damage
                                damage by any of the Insured Perils stated in the schedule.

                                Denial of Access
                                damage to the premises or its surrounds containing the computer equipment or to adjacent premises
                                or its surrounds by Accident or Fire Perils or exercise of any public or police authority of its powers for
                                the sole purpose of safeguarding life resulting in you being prevented or hindered from using the
                                computer equipment.

                                Failure of Electricity Supply
                                Failure at the terminal ends of the electricity supplier’s feeders in the premises containing the
                                computer equipment occasioned other than by your deliberate act or the electricity supplier.

                                Failure of Electricity Supply in Distribution Wiring
                                Accidental failure of the electricity supply in the distribution wiring in the premises containing the
                                computer equipment occasioned other than by your deliberate act or the electricity supplier or by
                                Failure of Electricity Supply.

                                Failure of Telecommunications
                                Failure of telecommunications transmission systems linking any part of the computer equipment
                                occasioned by any cause other than your deliberate act, the act of the owners of the means of
                                telecommunication or of the electricity supplier.

                                Fire Perils
                                Fire, lightning or explosion.



      46]]></page><page Index="73"><![CDATA[Incident
                                Accidental Damage to property used by you for the purpose of the business in consequence of which
                                your use of the computer equipment is interrupted or interfered with.

                                Indemnity Period
                                The period during which the use by you of the computer equipment is interrupted or interfered with
                                in consequence of the Incident beginning with the operation of the Insured Peril and lasting not longer
                                than the Maximum Indemnity Period stated in the schedule.

                                Insured Perils
                                Applicable as indicated in the schedule.
                                A.  Accident.

                                B.  Fire Perils.
                                C.  Breakdown of the computer equipment but only for those costs not recoverable under the terms
                                   of your maintenance service agreements.

                                D.  Breakdown.
                                E.  Denial of Access.
                                F.  Failure of Electricity Supply.

                                G.  Failure of Electricity Supply in Distribution Wiring.
                                H.  Failure of Telecommunications.
                                I.  Unauthorised Interference.

                                Revenue
                                Money paid or payable to you for services rendered on the computer equipment in the course of
                                the business.

                                Savings
                                Any sum recoverable under other insurance effected by or on your behalf and/or any saving in your
                                normal expenditure effected in consequence of the Incident.

                                Terrorism
                                a)  In respect of any occurrence in England including the Channel Tunnel up to the frontier with the
                                   Republic of France as set out by the Treaty of Canterbury 1986, Wales, Scotland, Northern Ireland,
                                   the Isle of Man and Channel Islands but not the territorial seas adjacent thereto as defined by the
                                   Territorial Sea Act 1987, the Territorial Sea Act 1987 (Isle of Man) Order 1991, the Territorial Sea
                                   Act 1987 (Jersey) Order 1997 and Territorial Sea Act 1987 (Jersey) (Amendment) Order 2002:
                                   acts of persons acting on behalf of or in connection with any organisation which carries out
                                   activities directed towards the overthrowing or influencing by force or violence of Her Majesty’s
                                   government in the United Kingdom or any other government de jure or de facto












                                                                                                                  47]]></page><page Index="74"><![CDATA[b)  in respect of any occurrence elsewhere than as described in a) above:
                                   any act or preparation in respect of action or threat of action designed to influence the government
                                   de jure or de facto of any nation or any political division thereof or in pursuit of political, religious,
                                   ideological or similar purposes to intimidate the public or a section of the public of any nation by
                                   any person or group whether acting alone or on behalf of or in connection with any organisation
                                   or government de jure or de facto and which:
                                   i)  involves violence against one or more persons
                                   ii)  involves damage to property

                                   iii)  endangers life other than that of the person committing the action
                                   iv)  creates a risk to health or safety of the public or a section of the public
                                   v)  is designed to interfere with or to disrupt an electronic system

                                c)  any action in controlling, preventing, suppressing, retaliating against or responding to any act or
                                   preparation in respect of action or threat of action described in a) or b) above.

                                Unauthorised Interference
                                Loss or damage to data or information not accompanied by visible and identifiable damage to the
                                data carrying media.

                                Section 2 – Material Damage

                                The Cover
                                In the event of Damage to the property insured stated in the schedule and occurring during the period
                                of insurance within the territorial limits we will pay to you the amount of such Damage or the value
                                of the property at the time of the Damage or at our option replace, reinstate or repair the property
                                provided that our liability will not exceed in the whole the total sum insured or in respect of any item
                                its sum insured at the time of the Damage.


                                2.1   Additional Costs
                                The insurance under this section will subject to our prior consent include:
                                a)  consulting engineers’ fees necessarily and reasonably incurred in the reinstatement or repair of
                                   property insured consequent upon its Damage but not for preparing any claim
                                b)  reasonable additional costs incurred in effecting a temporary repair or for expediting permanent
                                   repairs provided such costs would not be recoverable under section 4 subject to a limit of 50%
                                   of the cost of a full repair

                                c)  costs and expenses necessarily and reasonably incurred by you in:
                                   i)  removing debris of

                                   ii)  dismantling or demolishing
                                   iii)  shoring up or propping
                                   the property insured following Damage.








      48]]></page><page Index="75"><![CDATA[We will not pay any costs or expenses:
                                1)  incurred in removing debris except from the site of the property destroyed or damaged and the
                                   area immediately adjacent to the site
                                2)  arising from pollution or contamination of property not insured by this section.

                                The amount payable under each item will not exceed in total its sum insured.

                                2.2   Automatic Reinstatement of Sum Insured
                                Payment of a claim will not reduce the sums insured except upon written notice by us to the contrary
                                provided always that you take immediate steps to effect such additions to or variations in the
                                protections of property insured as we may require.
                                2.3   Capital Additions and Acquisitions
                                We will indemnify you in respect of Damage occasioned to any similar property acquired during any
                                one period of insurance up to £100,000 any one item of property and £500,000 in the aggregate in
                                any one period of insurance.

                                Provided always that within one month of each renewal date or such other period as we allow you
                                will furnish to us details of all such property and details of deletions during such period of insurance
                                whereupon we will charge one half of the annual premium in respect of such property the premium
                                for the ensuing years being calculated accordingly.

                                2.4   European Union and Public Authorities Requirements
                                Subject to the following supplementary conditions the insurance by this section includes such
                                additional cost of reinstatement as may be incurred solely by reason of the necessity to comply with
                                the stipulations of:
                                a)  European Union legislation

                                b)  Building or other regulations under or framed in pursuance of any Act of Parliament or bye-laws
                                   of any public authority

                                hereafter referred to as ‘the Stipulations’.
                                We will not pay for:
                                i)  the cost incurred in complying with the Stipulations:

                                   1)  in respect of Damage occurring prior to the granting of cover by this section
                                   2)  in respect of Damage not insured by this section
                                   3)  under which notice has been served upon you prior to the Damage occurring

                                   4)  for which there is an existing requirement which has to be implemented within a given period
                                   5)  in respect of property entirely undamaged by any cause hereby insured against

                                ii)  the additional cost that would have been required to make good the property lost or damaged to a
                                   condition equal to its condition when new had the necessity to comply with the Stipulations not arisen
                                iii)  the amount of any charge or assessment arising out of capital appreciation which may be payable in
                                   respect of the property or by the owner because of compliance with the Stipulations.







                                                                                                                  49]]></page><page Index="76"><![CDATA[Supplementary Conditions
                                1.  The work of reinstatement must be commenced and carried out without unreasonable delay and
                                   in any case must be completed within 12 months of the Damage or within such further time as we
                                   may allow during the said 12 months and may be carried out upon another site if necessitated by
                                   the Stipulations provided our liability is not increased.

                                2.  If our liability under this section apart from this clause is reduced by the application of any of
                                   the terms and conditions of this section then our liability under this clause will be reduced in
                                   like proportion.
                                3.  The total amount recoverable under this section in respect of this clause will not exceed:

                                   a)  in respect of the lost or damaged property:
                                      i)  15% of its sum insured
                                      ii)  where the sum insured applies to property at more than one premises 15% of the total
                                         amount for which we would have been liable had the property insured at the premises
                                         where the Damage occurred been wholly destroyed

                                   b)  in respect of undamaged portions of property 15% of the total amount for which we would
                                      have been liable had the property insured at the premises where the Damage occurred been
                                      wholly destroyed.
                                4.  The total amount recoverable under this section will not exceed its sum insured.

                                5.  Those terms and conditions of this section which have not been varied by this clause will apply as if
                                   they had been incorporated in this clause.

                                2.5   Incompatibility of Data
                                This section includes in addition to any sums insured costs of:
                                a)  modification of computer equipment
                                b)  replacement of computer media together with the restoration of data or software on such media

                                whichever is the lesser to achieve compatibility in the event that the loss of computer equipment has
                                resulted in undamaged computer media being incompatible with the replacement computer equipment
                                provided always that our liability will not exceed £5,000 any one occurrence.

                                2.6   Investigation Costs
                                This section includes in addition to any sum insured costs incurred with our prior consent for
                                investigations and tests in respect of possible repair, replacement or restoration following Damage
                                provided always that our liability will not exceed £5,000 any one occurrence.

                                2.7   Recharging of Gas Cylinders
                                We will pay for the cost of refilling the cylinders of any gas flooding system installed solely to protect
                                the property arising from accidental discharge provided always that our liability will not exceed
                                £5,000 any one occurrence.
                                2.8   Reinstatement
                                Subject to the following supplementary conditions the basis upon which the amount payable in respect
                                of property insured is to be calculated will be reinstatement.






      50]]></page><page Index="77"><![CDATA[Supplementary Conditions
                                1.  Our liability for the repair of partially damaged property insured will not exceed the amount which
                                   would have been payable had such property been wholly destroyed.
                                2.  No payment beyond the amount which would have been payable in the absence of this clause will
                                   be made:
                                   a)  unless reinstatement commences and proceeds without unreasonable delay

                                   b)  until the cost of reinstatement has been incurred
                                   c)  if the property at the time of its damage is insured by any other insurance effected by you or
                                      on your behalf which is not on the same basis of reinstatement.
                                3.  All the terms and conditions of this section will apply:
                                   a)  in respect of any claim payable under the provisions of this clause except in so far as they are
                                      varied hereby
                                   b)  where claims are payable as if this clause had not been incorporated.

                                Exclusions to Section 2
                                This section does not cover:

                                1.  Consequential Loss
                                the cost of replacing or reinstating data or consequential loss of any kind

                                2.  Defective Design, Materials or Workmanship
                                the cost of repairing or replacing any of the property insured suffering damage directly or indirectly
                                as a result of any defect of design, material or workmanship

                                3.  Excess
                                any excess as stated in the schedule or any endorsement to this section other than in the case of
                                damage caused by Fire Perils

                                4.  Renewal or Repair of Parts
                                the cost of renewal or repair of fuses, brushes, bearings or electrical contacts unless resulting from
                                Damage to the computer equipment of which such items form part.

                                Provision to Section 2

                                1.  Other Interests
                                It is agreed that various other parties may have a legal interest in a part of the computer equipment
                                and you undertake to declare the name, nature and extent of any interest of such party at the time
                                of Damage.

                                Condition to Section 2
                                1.  Underinsurance
                                The sum insured under each item is declared to be separately subject to underinsurance.
                                If at the commencement of Damage a sum insured under any item is less than 85% of the new
                                replacement value of the computer equipment covered under that item you will be considered as
                                being your own insurer for the difference and the amount payable will be proportionately reduced.




                                                                                                                  51]]></page><page Index="78"><![CDATA[Section 3 – Data and Information

                                The Cover
                                In the event of Damage occurring during the period of insurance to current and back-up computer
                                records excluding fixed disks and paper records of any description incorporating stored programs and
                                information thereon while the media containing such data and information is anywhere within the
                                territorial limits we will indemnify you in respect of the costs and expenses incurred in the
                                replacement or restoration of such data and information. Our liability will not exceed the sum insured.

                                Exclusions to Section 3
                                This section does not cover:

                                1.  Defective Design, Materials or Workmanship
                                loss or damage occasioned to data and information by defects in the data, information or other
                                records or caused by a defect of design, material or workmanship in the computer equipment or any
                                computer software

                                2.  Excess
                                any excess as stated in the schedule or any endorsement to this section other than in the case of
                                damage caused by Fire Perils.

                                Provision to Section 3
                                1.  Replacement or Restoration of Data
                                The replacement or restoration of data and information lost or suffering Damage may be carried out in
                                an updated form provided always that our liability will not exceed the amount which would have been
                                incurred in replacement or restoration of data and information in the form existing at the time of the
                                loss or Damage.

                                Section 4 – Additional Expenditure


                                The Cover
                                In the event of an Incident occurring during the period of insurance we will pay to you the amount of
                                any Additional Expenditure and Additional Interest necessarily and reasonably incurred during the
                                Indemnity Period in consequence of the Incident less Savings.

                                Provided always that:
                                a)  insurance is in force at the time of the Incident covering the interest of you in the property against
                                   such Damage; and
                                b)  payment has been made or liability admitted for such Damage or payment would have been
                                   made or liability admitted for such Damage but for a proviso excluding liability for losses below
                                   a certain amount.

                                Our liability will not exceed in respect of any item its sum insured.











      52]]></page><page Index="79"><![CDATA[4.1   Additional Lease Charges
                                If as a direct result of an Incident the lease/hire contract in force at the time of the Damage in respect
                                of the property insured is cancelled and has to be replaced by a new lease/hire contract in respect of
                                similar property to that suffering Damage at a rental charge rate above that payable under the
                                cancelled contract then Additional Expenditure will be deemed to include the additional rental charges
                                to be paid during the 2 year period commencing from the time your use of the property insured is no
                                longer interrupted or interfered with as a result of the Damage.

                                Provided always that our liability under this clause will not exceed £25,000 and our total liability will
                                not exceed the sums insured by this section.


                                4.2   Automatic Reinstatement of Sum Insured
                                Payment of a claim will not reduce the sums insured except upon written notice by us to the contrary
                                provided always that you take immediate steps to effect such additions to or variations in the
                                protections of property insured as we may require.

                                Exclusions to Section 4
                                This section does not cover any Additional Expenditure or Additional Interest:

                                1.  Atmospheric, Solar or Lunar Conditions
                                incurred due to atmospheric, solar or lunar conditions causing temporary interference with transmission
                                to or from any satellite

                                2.  Defective Design, Materials or Workmanship
                                incurred as a result of interruption or interference caused by any defect of design, material or
                                workmanship in the computer equipment or any computer software

                                3.  Failure of Satellite
                                incurred due to failure of any satellite prior to its obtaining its full operating function or while in or
                                beyond the final year of its design life

                                4.  Replacement or Reinstatement of Data
                                incurred in the replacement or reinstatement of data or information

                                5.  Time Franchise
                                unless the period of interruption or interference exceeds:
                                a)  30 minutes if caused by Failure of Electricity Supply or by Failure of Electricity Supply in
                                   Distribution Wiring
                                b)  24 hours if caused by any other event other than Fire Perils.

                                This section does not cover:

                                6.  Excess
                                any excess as stated in the schedule or any endorsement to this section other than in the case of an
                                Incident caused by Fire Perils.










                                                                                                                  53]]></page><page Index="80"><![CDATA[Provisions to Section 4
                                1.  Current Cost Accounting
                                For the purpose of this section any adjustment implemented in current cost accounting will
                                be disregarded.

                                2.  Value Added Tax
                                To the extent that you are accountable to the tax authorities for Value Added Tax all terms in this
                                section will be exclusive of such tax.

                                Section 5 – Loss of Revenue


                                The Cover
                                In the event of an Incident occurring during the period of insurance we will pay to you the amount of
                                any loss of Revenue resulting from the Incident less Savings.
                                Provided always that:

                                a)  insurance is in force at the time of the Incident covering the interest of you in the property against
                                   such Damage; and

                                b)  payment has been made or liability admitted for such Damage or payment would have been
                                   made or liability admitted for such Damage but for a proviso excluding liability for losses below a
                                   certain amount.
                                Our liability will not exceed the total sum insured.
                                The amount payable in respect of loss of Revenue will be:

                                a)  the amount by which the Revenue during the Indemnity Period does in consequence of the
                                   Incident falls short of the Revenue in respect of the period in the 12 months immediately before
                                   the date of the Incident which corresponds with the Indemnity Period
                                b)  Additional Expenditure necessarily and reasonably incurred for the sole purpose of avoiding or
                                   diminishing the reduction in Revenue which but for that expenditure would have taken place
                                   during the Indemnity Period in consequence of the Incident but not exceeding the amount of
                                   reduction in Revenue in consequence avoided.
                                Provided always that:

                                i)  such amount will be adjusted to allow for special circumstances affecting the Revenue either before
                                   or after the Incident or which would have affected the Revenue had the Incident not occurred
                                ii)  if during the Indemnity Period services are rendered elsewhere than at the premises containing the
                                   computer equipment either by you or by others on your behalf the money paid or payable in
                                   respect of such services will be brought into account in arriving at the loss of Revenue during the
                                   Indemnity Period.

                                5.1   Accountant’s Fees
                                This section includes in addition to any sum insured reasonable accountant’s fees necessarily incurred
                                by you for producing any evidence or information as may be required under general condition 3 and
                                reporting that such particulars are in accordance with your books of accounts, other business books or
                                documents provided always that the amount payable in respect of any one occurrence will not exceed
                                the sum stated in the schedule.




      54]]></page><page Index="81"><![CDATA[5.2   Automatic Reinstatement of Sum Insured
                                Payment of a claim will not reduce the sums insured except upon written notice by us to the contrary
                                provided always that you take immediate steps to effect such additions to or variations in the
                                protections of property insured as we may require.

                                Exclusions to Section 5
                                This section does not cover loss of Revenue:


                                1.  Atmospheric, Solar or Lunar Conditions
                                incurred due to atmospheric, solar or lunar conditions causing temporary interference with transmission
                                to or from any satellite

                                2.  Defective Design, Materials or Workmanship
                                incurred as a result of interruption or interference caused by any defect of design, material or
                                workmanship in the computer equipment or any computer software

                                3.  Failure of Satellite
                                incurred due to failure of any satellite prior to its obtaining its full operating function or while in or
                                beyond the final year of its design life

                                4.  Replacement or Reinstatement of Data
                                incurred in the replacement or reinstatement of data or information

                                5.  Time Franchise
                                unless the period of interruption or interference exceeds:
                                a)  30 minutes if caused by Failure of Electricity Supply or by Failure of Electricity Supply in
                                   Distribution Wiring

                                b)  24 hours if caused by any other event other than Fire Perils.
                                This section does not cover:

                                6.  Excess
                                any excess as stated in the schedule or any endorsement to this section other than in the case of an
                                Incident caused by Fire Perils.
                                Provisions to Section 5

                                1.  Current Cost Accounting
                                For the purpose of this section any adjustment implemented in current cost accounting will
                                be disregarded.

                                2.  Underinsurance
                                If the sum insured stated in the schedule in respect of Revenue is less than the Revenue during the
                                12 months immediately before the date of the Incident giving rise to the claim or a proportionate
                                multiple where the Indemnity Period exceeds or is less than 12 months the amount payable will be
                                proportionately reduced.
                                3.  Value Added Tax
                                To the extent that you are accountable to the tax authorities for Value Added Tax all terms in this
                                section will be exclusive of such tax.


                                                                                                                  55]]></page><page Index="82"><![CDATA[Section 6 – Computer Fraud

                                The Cover
                                In the event of unauthorised access to the computer equipment during the period of insurance which
                                is discovered during that period of insurance or within a period of 24 months following the expiry of
                                that period of insurance we will indemnify you in respect of loss of money or other property belonging
                                to you or in your trust or custody for which you are legally responsible when such loss is a direct result
                                of the unauthorised access.

                                Our liability will not exceed the sum insured.

                                Exclusions to Section 6
                                This section does not cover any loss:

                                1.  Electronic Data Media
                                not involving addition, amendment, substitution, corruption or distortion of or to electronic data media

                                2.  Employee Dishonesty
                                caused by any employee or by any other party or parties acting in collusion with any employee

                                3.  Excess
                                the first £5,000 of any one claim or series of claims consequent upon or attributable to any person or
                                any group of persons acting in collusion

                                4.  Other Insurance
                                caused by any person other than an employee in respect of whom employee dishonesty or fidelity
                                guarantee insurance has been effected by you or caused by any other party or parties acting in
                                collusion with any such person

                                Conditions to Section 6
                                1.  Notification of Loss
                                It is a condition precedent to our liability that you will as soon as practicable and with due diligence
                                give notification in writing to us of any loss or possible loss. We will not be liable for any loss arising
                                after such notification attributable to the same source of the unauthorised access which gave rise to
                                such notification.


                                2.  Particulars of Loss
                                You will at your own expense and within 3 months or such longer period as we may allow following
                                notification of a claim deliver to us full particulars of the loss including the amount and the identity of
                                the person or persons alleged to have been responsible and will give to us all further particulars,
                                information, proofs and explanations as may be reasonably required.

                                3.  Systems Security
                                It is a condition precedent to our liability in respect of unauthorised access that:
                                a)  a documented information security policy must be maintained and this must be approved by
                                   management, published and communicated to all employees using computer equipment

                                b)  access to all networks and systems must be authenticated by means of individual user
                                   identifications and passwords which are unpredictable, alphanumeric of at least 6 characters and
                                   required to be changed at least every 90 days


      56]]></page><page Index="83"><![CDATA[c)  firewalls must be in place to prevent unauthorised access on all connections from internal networks
                                   and systems to external networks
                                d)  remote users must be authenticated before being allowed to connect to internal networks
                                   and systems

                                e)  anti-virus software must be installed on all networks and systems to prevent against viruses, worms
                                   and other malicious code.


                                Section 7 – Special Provision

                                1  Aggregate Limit
                                Our liability under this part in respect of Unauthorised Interference will not exceed £25,000 in the
                                aggregate in respect of one claim or series of claims consequent upon or attributable to one source or
                                original cause involving virus or similar mechanism.


                                Section 8 – Special Exclusions
                                This part does not cover:


                                1.  Electronic Risks
                                a)  damage to any computer or other equipment or component or system or item which processes,
                                   stores, transmits, retrieves or receives data or any part thereof whether tangible or intangible
                                   (including but without limitation any information or programs or software) and whether the
                                   property is insured or not where such damage is caused by virus or similar mechanism, hacking
                                   or denial of service attack

                                b)  Additional Expenditure or loss of Revenue directly or indirectly caused by or arising from virus or
                                   similar mechanism, hacking or denial of service attack

                                but this will not exclude:
                                i)  Damage, Additional Expenditure and/or loss of Revenue which results from a defined peril
                                   including the acts of thieves but excluding the acts of malicious persons which do not involve
                                   physical force or violence otherwise covered under this part
                                ii)  Additional Expenditure and/or loss of Revenue in consequence of Unauthorised Interference caused
                                   by or arising from virus or similar mechanism, hacking or denial of service attack to the extent
                                   to which Unauthorised Interference is insured by sections 3, 4 and 5


                                2.  Northern Ireland Civil Commotion
                                damage or business interruption in Northern Ireland occasioned by or happening through or in
                                consequence directly or indirectly of civil commotion

                                3.  Software Licences
                                replacement of software licence agreements unless otherwise agreed by us
                                4.  Terrorism
                                loss, damage, consequential loss, cost or expense directly or indirectly caused by, contributed to by,
                                resulting from or arising out of or in connection with Terrorism.
                                In any action or suit or other proceedings where we allege that by reason of this exclusion cover is not
                                provided under this part the burden of proof that cover is provided under this part shall be with you


                                                                                                                  57]]></page><page Index="84"><![CDATA[5.  Theft from Unattended Motor Vehicles
                                Damage, Additional Expenditure or loss of Revenue caused by theft or attempted theft from any
                                unattended motor vehicle unless:

                                a)  the property insured is concealed in a glove compartment or locked luggage compartment; and
                                b)  all doors are locked; and
                                c)  all windows and the roof are closed and fastened; and

                                d)  all security devices are put in full and effective operation; and
                                e)  all keys or any other removable ignition device of the vehicle are removed

                                6.  Wear, Tear and Corrosion
                                the cost of rectifying or making good:
                                a)  wear and tear, or scratching of painted surfaces
                                b)  any form of corrosion or erosion howsoever arising

                                but not Damage resulting therefrom or Additional Expenditure or loss of Revenue in consequence of
                                such Damage.


                                Section 9 – Special Conditions

                                1.  Assignment of Property
                                We will be entitled to any property in respect of which a total loss claim is paid under this part and
                                you shall execute all such assignments of such property as may be reasonably required.

                                2.  Basis of Settlement
                                We may at our option instead of paying the amount of any damage or business interruption
                                reinstate, repair, restore or replace any of the property suffering damage provided always that we will
                                not be bound to reinstate, repair, restore or replace any property exactly and completely but only to
                                do so substantially, as nearly as circumstances will permit and in a reasonably sufficient manner.

                                3.  Indemnity from Manufacturer or Supplier
                                Subject to the provisions of special condition 4 below in the event of loss or damage to property
                                insured under this part which is subject to the terms of an exchange hire agreement between you and
                                the manufacturer or supplier you will first seek indemnity from the manufacturer or supplier under the
                                terms of the contract before we will indemnify you under the terms of this part in respect of
                                unsatisfied claims upon the manufacturer or supplier.

                                4.  Maintenance Service Agreements
                                You will keep maintenance service agreements in force with the manufacturers or a firm approved by
                                the manufacturers in respect of the computer equipment and any air conditioning plant in the
                                premises containing the computer equipment.
                                We will not be liable for any damage or business interruption, costs or expenses recoverable under
                                such agreements or which would have been recoverable but for a breach of your obligations under
                                such agreements.







      58]]></page><page Index="85"><![CDATA[Part F – Money







                                Section 1 – Special Definitions

                                Bodily Injury
                                Accidental injury excluding illness, disease or any naturally occurring condition or degenerative process
                                or any gradually operating cause.

                                Loss of Limb
                                Total loss by physical separation at or above the wrist or ankle or permanent total loss of use of an
                                entire hand, arm, foot or leg.

                                Loss of Sight
                                Permanent and total loss of sight:
                                a)  in both eyes if the Person Insured’s name is entered on the register of blind persons on the
                                   authority of a fully qualified ophthalmic specialist

                                b)  in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale.

                                Non-Negotiable Money
                                Any crossed cheque, crossed bankers’ or giro draft, crossed money order, crossed postal order and
                                premium savings bond.

                                Person Insured
                                Any person aged between 16 and 69 years inclusive excluding:
                                a)  an employee of a security company or similar organisation
                                b)  any person committing or attempting robbery.


                                Usual Occupation
                                The occupation of the Person Insured as shown in your records at the date of sustaining Bodily Injury.

                                Weekly Earnings
                                The gross average weekly earnings from you of the Person Insured during the 52 weeks preceding the
                                date of sustaining Bodily Injury.


                                Section 2 – The Cover

                                In the event of physical loss of money from a cause not otherwise excluded arising during the period
                                of insurance we will pay you the amount of such loss not exceeding any limit in the schedule.

                                2.1   Damage to Property
                                This part includes damage as a direct result of theft or attempted theft of money to:
                                a)  clothing or personal effects of the Person Insured not exceeding £1,500 in respect of any one
                                   Person Insured
                                b)  any franking machine, safe, strongroom or security case, bag, money belt or waistcoat, cash
                                   carrying case or cash carrying device designed for the safe carriage of money up to the
                                   reinstatement cost.







                                                                                                                  59]]></page><page Index="86"><![CDATA[2.2   Personal Injury
                                If during the period of insurance any Person Insured sustains Bodily Injury arising from theft or
                                attempted theft of money as a result of which death or disablement occurs independently and
                                exclusively of any other cause within 24 hours of sustaining such Bodily Injury we will pay you the
                                sum stated in the table of benefits.

                                Table of Benefits


                                   1.  Death, Loss of Limb or Loss of Sight              £10,000
                                   2.  Permanent total disablement other than stated in
                                      1. above from engaging in Usual Occupation         £10,000
                                   3.  Temporary disablement from engaging in Usual Occupation   Normal Weekly Earnings
                                      for a maximum period of 104 weeks from date of disablement   up to £150 per week.

                                Provided always that:

                                i)  no benefit will be payable until the whole amount has been ascertained and agreed
                                ii)  if we are satisfied that the disability is permanent benefit 2. will become payable when
                                   benefit 3. is exhausted
                                iii)  we will not pay under more than one of 1. or 2. above.

                                2.3   Replacement Safe or Strongroom Locks
                                This part includes the cost not exceeding £1,000 of replacing safe or strongroom locks made necessary
                                by the theft of keys from your premises or from the private residence of any adult person authorised
                                to hold such keys but excluding such costs where the keys have been left on the premises while closed
                                for business or unattended.


                                Section 3 – Special Exclusions

                                This part does not cover any loss of money:

                                1.  Cash Dispensers
                                from any automated teller machine or cash dispenser

                                2.  Employee Dishonesty
                                due to fraud or dishonesty on the part of any member, employee, constable or volunteer but this
                                exclusion will not apply to loss arising from fraud or dishonesty which is discovered within 72 hours.

                                Provided always that:
                                a)  such loss is not recoverable under a fidelity, employee dishonesty or similar policy of insurance

                                b)  our liability will not exceed the amount stated in the schedule in respect of money in your
                                   premises under actual supervision of any employee or constable

                                3.  Error or Omission
                                arising from error or omission in receipts, payments or accounting practice

                                4.  Malfunction of Machine
                                resulting from gradual deterioration, mechanical or electrical defects, breakdown or malfunction of any
                                franking, dispensing or similar machine
      60]]></page><page Index="87"><![CDATA[5.  Security Company
                                in the custody and control of a security company or similar organisation except for the amount of any
                                loss which cannot be recovered from the security company or similar organisation by legal means but
                                not exceeding the relevant limit stated in the schedule

                                6.  Transit by Post
                                in the mail other than sent by special delivery


                                7.  Unattended Vehicles
                                in excess of £100 from an unattended vehicle.


                                Section 4 – Special Conditions

                                1.  Accompaniment
                                We will not be liable for any loss of money in transit unless accompanied by persons aged 16 years or
                                over as follows:

                                Amount Carried                           Minimum Number of Persons
                                Up to £3,000                                        1
                                over £3,000 and up to £7,500                        2
                                over £7,500 and up to £10,000                       3
                                over £10,000                             specialist security organisation

                                2.  Records of Money
                                You will keep a complete account of money in transit and in your premises and will deposit such
                                record other than in a safe or strongroom containing the money.

                                3.  Security of Safe and Strongroom Keys and Combination Codes
                                It is a condition precedent to our liability that whenever the office, room or area in which a safe or
                                strongroom containing money is situated is unattended:
                                a)  such safe or strongroom will be securely locked
                                b)  any key and record of a code to such safe or strongroom will be removed from your premises or
                                   kept on the person of an authorised person except where a portion of the premises is occupied
                                   residentially by you or any member, employee, constable or volunteer when any key and record
                                   of a code will be removed from the business portion of the premises.























                                                                                                                  61]]></page><page Index="88"><![CDATA[Part G – Livestock








                                Section 1 – Special Definitions

                                Police Animals Insured
                                As stated in the schedule.


                                Section 2 – The Cover
                                In the event of death from any accident or disease occurring or contracted during the currency of this
                                part of any of the Police Animals Insured whilst at the situation stated in the schedule we will pay after
                                necessary proof has been established to our satisfaction the market value of the animal at the time of
                                death not exceeding the sum insured on any Police Animal Insured.
                                Provided always that the Police Animals Insured shall at the commencement of the insurance be in
                                sound health and free of injury or disability and you shall take all reasonable precautions at all times
                                for the safety, protection and longevity of the animals including qualified veterinary assistance.


                                Section 3 – Special Exclusions

                                This part does not cover liability for the death of any Police Animal Insured occasioned directly or
                                indirectly by, through or in consequence of:

                                1.  Action of Competent Authority
                                destruction, confiscation or requisition by any government, public or local authority or any other
                                person or body empowered to act in such a manner

                                2.  Disease
                                anthrax, bovine tuberculosis, brucellosis, foot and mouth disease, swine fever

                                3.  Improper Use
                                improper use, racing, hunting, breeding or any operation in connection therewith and transit by water
                                other than inland waterway or by air
                                4.  Inoculation
                                inoculation which is not of a prophylactic nature or necessitated by accident, illness or disease

                                5.  Malicious Injury
                                malicious or wilful injury by you, any constable or your employees, servants or agents

                                6.  Surgical Operation
                                any surgical operation unless conducted by a qualified veterinary surgeon and certified by him to have
                                been necessitated solely by accident, illness or disease and to have been carried out in an attempt to
                                preserve the life of the Police Animal Insured.
                                This part does not cover:

                                7.  Excess
                                the first £100 of each and every claim.








      62]]></page><page Index="89"><![CDATA[Part H – Public and Products Liability







                                Section 1 – Special Definitions

                                Clean Up Costs
                                a)  testing for or monitoring of Pollution or Contamination
                                b)  the costs of Remediation required by any Enforcing Authority to a standard reasonably achievable
                                   by the methods available at the time that such Remediation commences.

                                Costs and Expenses
                                a)  Claimants’ costs and expenses which you become legally liable to pay

                                b)  costs incurred with our written consent in defending any claim for damages
                                c)  costs incurred with our written consent for:
                                   i)  representation at any coroner’s inquest or fatal injury inquiry

                                   ii)  defending in any court of summary jurisdiction any proceedings in respect of any act
                                      or omission
                                relating to any event which may be the subject of indemnity under this part.

                                Employee
                                Any natural person who is:
                                a)  under a contract of service or apprenticeship with you or your relevant officer
                                b)  a labour master or labour only subcontractor or persons supplied by any of them

                                c)  self employed
                                d)  under a work experience or similar scheme
                                e)  hired or borrowed by you from another employer

                                f)  a chief officer
                                g)  a police cadet appointed for your police area
                                h)  a special constable
                                and working for you or your relevant officer in connection with the business while under your or
                                your relevant officer’s direct control or supervision.

                                Enforcing Authority
                                Any government or statutory authority or body implementing or enforcing environmental protection
                                legislation within the territorial limits.

                                Financial Loss
                                Loss or damage other than arising from Injury or damage to property.

                                Geographical Limits
                                a)  The territorial limits

                                b)  i)   anywhere in the world in respect of non-manual work; and
                                   ii)   anywhere in the world other than the United States of America, Canada and any territory
                                      under their jurisdiction in respect of manual work

                                   carried out during temporary visits by any member, Employee or volunteer normally resident in
                                   and travelling from the territorial limits

                                                                                                                  63]]></page><page Index="90"><![CDATA[c)  anywhere in the world in respect of Products supplied in or from the territorial limits other than
                                   the United States of America, Canada and any territory under their jurisdiction.

                                Injury
                                Bodily injury, illness or disease (including death).

                                Pollution or Contamination
                                a)  Pollution or contamination of buildings or other structures or of water, land or the atmosphere; and
                                b)  loss or damage or Injury directly or indirectly caused by such pollution or contamination.

                                Products
                                Goods or anything including packaging, containers, labels and instructions sold, supplied, hired out,
                                constructed, erected, installed, treated, repaired, serviced, processed, stored, handled, transported or
                                disposed of by you or on your behalf in the business.

                                Remediation
                                Remedying the effects of Pollution or Contamination including primary, complementary and compensatory
                                actions as specified in the Environmental Damage (Prevention and Remediation) Regulations 2009.

                                Section 2 – The Cover

                                We will indemnify you in respect of all sums which you may become legally liable to pay as damages
                                in respect of:
                                a)  accidental Injury to any person other than an Employee
                                b)  accidental damage to property
                                c)  wrongful arrest, malicious prosecution or false imprisonment by a constable

                                occurring during the period of insurance within the Geographical Limits in the business.
                                Assault committed by a constable will be regarded as accidental.
                                In addition to the limit of indemnity we will pay Costs and Expenses.

                                2.1   Corporate Manslaughter and Corporate Homicide Act 2007
                                We will also indemnify you in respect of legal costs and expenses incurred with our prior written
                                consent in connection with the defence of any criminal proceedings (including any appeal against
                                conviction arising from any such proceedings) brought in respect of a charge and or investigations
                                connected with a charge of corporate manslaughter or corporate homicide under the Corporate
                                Manslaughter and Corporate Homicide Act 2007 or any equivalent legislation in the Channel Islands or
                                the Isle of Man committed or alleged to have been committed during the period of insurance in the
                                course of the business.

                                Provided always that:
                                a)  our total liability under this clause will not exceed the limit of indemnity stated in the schedule in
                                   any one period of insurance. This limit will form part of and not be in addition to the limit of
                                   indemnity stated in the schedule
                                b)  this clause will apply only to proceedings brought in the territorial limits
                                c)  we must consent in writing to the appointment of any solicitor or counsel who are to act for and
                                   on behalf of you
                                d)  you will give to us immediate notice of any summons or other process served upon you which may
                                   give rise to proceedings under this clause
      64]]></page><page Index="91"><![CDATA[e)  in relation to any appeal counsel has advised there are strong prospects of such appeal succeeding
                                f)  we will be under no liability:

                                   i)  where you have committed any deliberate or intentional criminal act giving rise to a corporate
                                      manslaughter or corporate homicide charge

                                   ii)  in respect of fines or penalties of any kind
                                   iii)  in respect of the defence of any criminal proceedings brought or in an appeal against
                                      conviction arising from such proceedings in respect of a breach of:

                                      1)  the Health and Safety at Work Act 1974 or the Health and Safety at Work Act (Northern
                                         Ireland) Order 1978 or any regulations made thereunder
                                      2)  the Food Safety Act 1990 or any regulations made thereunder

                                      3)  the Consumer Protection Act 1987 or any regulations made thereunder
                                   iv)  where indemnity for defence costs is available from any other source or is provided by any
                                      other insurance or where but for the existence of this clause indemnity would have been
                                      provided by such other source or insurance

                                g)  where we have already indemnified you in respect of legal costs or expenses incurred in the
                                   defence of any criminal proceedings arising out of the same cause or occurrence which gave
                                   rise to the charge of and or investigation connected with corporate manslaughter or corporate
                                   homicide under another part of the policy the amount paid under that part will be taken into
                                   account in arriving at our liability payable under this clause.

                                2.2   Cost of Criminal Proceedings
                                We will also indemnify you, the office of relevant officer as corporation sole and at your request any
                                member, Employee or volunteer against:
                                a)  legal costs and expenses incurred with our written consent

                                b)  costs incurred with our written consent in the defence of any criminal proceedings brought
                                   against you, the office of relevant officer as corporation sole or such member, Employee or
                                   volunteer for an alleged breach of:
                                   i)  the Health and Safety at Work etc. Act 1974 or the Health and Safety at Work
                                      (Northern Ireland) Order 1978
                                   ii)  Part II of the Consumer Protection Act 1987
                                   iii)  Part II of the Food Safety Act 1990

                                occurring during the period of insurance in the business including legal costs and expenses incurred
                                with our prior consent in any appeal against conviction arising from such proceedings.

                                Provided always that this indemnity will not apply to:
                                1)  fines or penalties of any kind
                                2)  costs in respect of which you or any member, Employee or volunteer has effected a more specific
                                   legal expenses protection or insurance
                                3)  proceedings or appeals consequent upon any deliberate act or omission and you will immediately
                                   repay us all costs and expenses paid by us prior to any deliberate act or omission being established
                                4)  proceedings related to health, safety or welfare of Employees.



                                                                                                                  65]]></page><page Index="92"><![CDATA[2.3   Court Attendance Costs
                                We will pay you a daily rate of £500 if any member, Employee or volunteer is required to attend
                                court as a witness at our request.

                                2.4   Data Protection Act
                                We will also indemnify you in respect of your legal liability under Section 13 of the Data Protection
                                Act 1998 in connection with personal data as defined in the said Act held by you.

                                Provided always that we will not be liable for:
                                a)  the payment of fines and penalties

                                b)  the cost of replacing, reinstating, rectifying or erasing any personal data.
                                2.5   Defective Premises Act 1972
                                We will also indemnify you in respect of your legal liability under Section 3 of the Defective Premises
                                Act 1972 or Section 5 of the Defective Premises (Northern Ireland) Order 1975 in connection with
                                premises which have been disposed of by you.
                                Provided always that we will not be liable:

                                a)  for the cost of remedying any defect or alleged defect in the said premises
                                b)  in respect of liability more specifically insured under any other insurance.

                                2.6   Environmental Clean Up Costs
                                We will also indemnify you in respect of all sums including statutory debts which you may become
                                legally liable to pay in respect of Clean Up Costs arising from environmental damage caused by
                                Pollution or Contamination where such liability arises under an environmental directive, statute or
                                statutory instrument.
                                Provided always that:
                                a)  liability arises from Pollution or Contamination caused by a sudden, identifiable, unintended and
                                   unexpected incident that takes place at a specific time and place during the period of insurance.
                                   All Pollution or Contamination which arises out of one incident will be deemed to have occurred
                                   at the same time such incident takes place
                                b)  our liability under this clause will not exceed £1,000,000 for any one occurrence and in the
                                   aggregate in any one period of insurance and will be the maximum we will pay inclusive of all
                                   Costs and Expenses. This limit will form part of and not be in addition to the limit of indemnity
                                   stated in the schedule
                                c)  immediate loss prevention or salvage action is taken and the appropriate authorities are notified
                                d)  we will be under no liability:
                                   i)  in respect of Clean Up Costs for damage to your land, premises, watercourse or body of water
                                      whether owned, leased, hired, tenanted or otherwise in your care, custody or control
                                   ii)  for damage connected with pre-existing contaminated property

                                   iii)  for damage caused by a succession of several events where such individual event would not
                                      warrant immediate action
                                   iv)  in respect of removal of any risk of an adverse effect on human health on your land, premises,
                                      watercourse or body of water whether owned, leased, hired, tenanted or otherwise in your
                                      care, custody or control




      66]]></page><page Index="93"><![CDATA[v)  in respect of costs in achieving an improvement or alteration in the condition of the land,
                                      atmosphere or any watercourse or body of water beyond that required under any relevant
                                      and applicable law or statutory enactment at the time Remediation commences
                                   vi)  in respect of costs for prevention of imminent threat of environmental damage where such
                                      costs are incurred without there being Pollution or Contamination caused by a sudden,
                                      identifiable, unintended and unexpected incident

                                   vii)  for damage resulting from an alteration to subterranean stores of groundwater or to
                                      flow patterns
                                   viii) in respect of the costs for the reinstatement or reintroduction of flora or fauna

                                   ix)  for damage caused deliberately or intentionally by you or where you have knowingly deviated
                                      from environmental protections or where you have knowingly omitted to inspect, maintain or
                                      perform necessary repairs to plant or machinery for which you are responsible
                                   x)  in respect of fines or penalties of any kind
                                   xi)  for damage caused by the ownership or operation on behalf of you of any mining operations
                                      or storage, treatment or disposal of waste or waste products other than caused by composting,
                                      purification or pre-treatment of water
                                   xii)  for damage which is covered by a more specific insurance policy

                                   xiii) for damage caused by persons aware of the defectiveness or harmfulness of products they
                                      have placed on the market or works or other services they have performed

                                   xiv) for damage caused by disease in animals belonging to or kept or sold by you.

                                2.7   Financial Loss
                                We will also indemnify you or in respect of all sums which you may become legally liable to pay as
                                damages for Financial Loss arising as a result of a negligent act or accidental error or accidental
                                omission committed or alleged to have been committed within the Geographical Limits by any
                                Employee or volunteer in, about or in consequence of their duties arising out of the business
                                occurring during the period of insurance provided always that our liability will not exceed the limit of
                                indemnity stated in the schedule.
                                In addition to the limit of indemnity we will pay Costs and Expenses.
                                We will not pay for Financial Loss:

                                a)  caused by your failure to fulfil your obligations under any contract entered into with the claimant
                                b)  arising from Products
                                c)  arising from libel, slander, defamation, malicious falsehood or injurious falsehood
                                d)  arising out of wrongful arrest, malicious prosecution or false imprisonment by an Employee.

                                2.8   Indemnity to Other Persons
                                In the event of any claim in respect of which you would be entitled to receive indemnity under this
                                part being brought or made against:

                                a)  any member
                                b)  any Employee or volunteer
                                c)  any principal for whom you are or have been carrying out work but only to the extent required by
                                   the contract for the work
                                d)  the office of relevant officer as corporation sole

                                                                                                                  67]]></page><page Index="94"><![CDATA[we will indemnify such person or entity if you so request against such claim and/or any costs, charges
                                and expenses in respect thereof.
                                Provided always that:
                                i)  you would have been entitled to indemnity had the claim been made against you; and

                                ii)  such person is not entitled to indemnity under any other insurance; and
                                iii)  such person will as though they were you observe, fulfil and be subject to the terms and
                                   conditions of this part; and

                                iv)  such person other than a constable was at the time of the incident giving rise to the claim acting
                                   within the scope of their authority; and
                                v)  a constable where they genuinely believe they were authorised to carry out or which having
                                   regard to all the circumstances it was not unreasonable for them to have carried out the act giving
                                   rise to the claim

                                vi)  we will not be liable unless we have the sole conduct and control of all claims.

                                2.9   Joint Liabilities
                                If you comprises more than one party we will indemnify each party as though a separate policy had
                                been issued to each of them.

                                2.10  Personal Liability
                                At your request this part will apply to the personal liability of:
                                a)  any member, Employee or volunteer or any member of the family of such member, Employee or
                                   volunteer in connection with the business
                                b)  any member of sports and social clubs operating in the business while engaged in club activities.
                                Provided always that:

                                i)  this will not apply to liability more specifically insured under any other insurance; and
                                ii)  any person indemnified will as though they were you fulfil and be subject to the terms and
                                   conditions of this part; and
                                iii)  we will not be liable:
                                   1)  unless we have the sole conduct and control of all claims

                                   2)  where liability attaches because of a contract or agreement and which would not otherwise
                                      have attached

                                   3)  where liability arises from any employment, business, profession or trade
                                   4)  where liability arises from the ownership, occupation, possession or use of any land, building,
                                      motor vehicle, caravan, watercraft or aircraft.


                                Section 3 – Special Exclusions

                                This part does not cover:

                                1.  Aircraft Products
                                liability arising from Products which at the time of the contract of sale or supply are knowingly sold or
                                supplied for use in craft designed to travel through air or space


      68]]></page><page Index="95"><![CDATA[2.  Airports
                                liability arising out of flying operations and activities incidental to such operations in respect of any
                                airport owned or operated by you

                                3.  Asbestos
                                any liability, loss, cost or expense directly or indirectly caused by, contributed to by or arising out of any
                                asbestos, asbestos fibres or any derivatives of asbestos including any product containing any asbestos
                                fibres or derivatives.

                                4.  Courts Jurisdiction
                                any claim made or brought:
                                a)  in the United States of America or Canada or territories under their jurisdiction

                                b)  under or in consequence of any judgment or order in or under the laws of the United States of
                                   America or Canada or territories under their jurisdiction

                                5.  Exports to the USA or Canada
                                liability arising from Products which at the time of the contract of sale or supply are knowingly
                                exported to the United States of America or Canada

                                6.  Foreign Operations
                                any associated or subsidiary company of yours or branch office or representative of yours with power
                                of attorney domiciled outside the territorial limits
                                7.  Liquidated or Punitive Damages
                                any amount in respect of:
                                a)  liquidated damages, fines or penalties which attach solely because of a contract or agreement

                                b)  exemplary or punitive damages

                                8.  Motor
                                liability arising from the ownership or possession or use by you or on your behalf of any mechanically
                                propelled motor vehicle, plant or attachment of the motor vehicle:

                                a)  which is licensed for road use
                                b)  for which compulsory motor insurance or security is required
                                c)  which is more specifically insured.
                                Provided always that this exclusion will not apply in respect of:

                                i)  liability not more specifically insured under any other policy arising during the act of loading or
                                   unloading any mechanically propelled motor vehicle, plant or attachment of the motor vehicle or
                                   the bringing to or the taking away of a load from such vehicle, plant or attachment
                                ii)  the use of any mechanically propelled motor vehicle, plant or attachment of the motor vehicle
                                   solely as a tool of trade unless more specifically insured or unless compulsory motor insurance or
                                   security is required

                                iii)  the authorised movement on your premises or contract site of any mechanically propelled motor
                                   vehicle, plant or attachment of the motor vehicle unless more specifically insured or unless
                                   compulsory motor insurance or security is required



                                                                                                                  69]]></page><page Index="96"><![CDATA[iv)  maintenance, servicing, testing, checking or repairing any motor vehicle not owned, hired, leased
                                   or borrowed by you provided always that we will not pay for liability resulting from the use on the
                                   road within the meaning of the Road Traffic Acts of any vehicle while under the control of any
                                   person for whose acts you are legally responsible or but for the fact that such control is
                                   unauthorised you would be legally responsible

                                9.  Pollution or Contamination
                                liability in respect of Pollution or Contamination other than caused by a sudden, identifiable,
                                unintended and unexpected incident which takes place in its entirety at a specific time and place
                                during the period of insurance. All Pollution or Contamination which arises out of one incident will
                                be deemed to have occurred at the time such incident takes place.
                                Provided always that this exclusion will not apply in respect of any discharge, release or escape of
                                legionella from any premises owned or operated by you subject to:

                                a)  a regular risk assessment being carried out of all water systems to assess the risk of legionella and
                                   the suitable management of any risk of legionella being identified in the risk assessment; and

                                b)  compliance with the Health and Safety Commission’s Approved Code of Practice entitled
                                   “Legionnaires disease – The control of legionella bacteria in water systems”; and

                                c)  details having been supplied by you to us of the number of premises owned or operated by you
                                   where cooling towers, evaporative condensers and/or other apparatus giving rise to an increased
                                   risk of legionella are present; and
                                d)  details having been supplied by you to us of all incidents of legionellosis having occurred at any
                                   premises owned or operated by you in the last ten years.
                                All Pollution or Contamination which arises out of or as a consequence of any discharge, release or
                                escape of legionella from any premises owned or operated by you shall be deemed to have occurred
                                on the date that you first become aware of circumstances which have given or may give rise to such
                                Pollution or Contamination.
                                This part shall not apply to any claim arising from Pollution or Contamination which arises out of or as
                                a consequence of any discharge, release or escape of legionella from any premises owned or operated
                                by you if before the current period of insurance you had become aware of circumstances which have
                                given or may give rise to such Pollution or Contamination.
                                Our total liability for Pollution or Contamination, including any indemnity provided in respect of any
                                discharge, release or escape of legionella which is deemed to have occurred during the period of
                                insurance will not exceed in the aggregate the sum specified in the schedule as the limit of indemnity

                                You shall give notice in writing to us immediately on becoming aware of circumstances which have
                                given or may give rise to a claim arising from any discharge, release or escape of legionella.

                                10. Professional Advice, Design or Specification
                                Injury or damage arising out of professional advice, design or specification given by you for a fee or in
                                circumstances where a fee would normally be charged but this exclusion will not apply to damage to
                                property other than that which is the subject of such professional advice, design or specification

                                11. Property Damage and Defective Work
                                a)  damage to that part of any property upon which you or any servant or agent of yours is or has
                                   been working where the damage is the direct result of faulty workmanship prior to the sale or
                                   transfer of the property to some other party
                                b)  damage to land or property previously owned by you but sold or transferred to another party
                                   where such damage results from a defect in that land or property
      70]]></page><page Index="97"><![CDATA[c)  losses consequent upon damage to property designed by you or on your behalf and
                                   subsequently sold or transferred to another party
                                d)  the cost of rectifying defective work carried out by or on behalf of you

                                12. Property Held in Trust
                                damage to property belonging to you or in either your, or any Employee’s custody and control or
                                held in trust by or borrowed, rented, leased or hired for use by you but this exclusion will not apply to:
                                a)  the personal effects including vehicles or their contents of any member, Employee, volunteer
                                   or visitor
                                b)  buildings or their contents temporarily occupied by you for the purpose of carrying out work
                                   therein or thereon
                                c)  premises or their fixtures and fittings hired, rented, leased or lent to you other than such damage
                                   if liability is assumed by you under a tenancy or other agreement and would not have attached in
                                   the absence of such agreement

                                13. Replacing or Rectifying Products
                                replacing, reinstating, rectifying, recalling, removing, repairing or guaranteeing the performance of
                                Products or making a refund on the price of any Product or damage to the Products themselves


                                14. Riot Damage
                                liability under statute to pay compensation for riot damage

                                15. Vessels and Craft
                                liability arising from the ownership or possession or use by you or on your behalf of craft designed to
                                travel through air or space, hovercraft or watercraft other than waterborne vessels not exceeding 10
                                metres in length used on inland waterways.

                                Section 4 – Special Provisions


                                1.  Discharge of Liability
                                We may at any time pay any limit of indemnity after deduction of any sum or sums already paid or any
                                lower amount for which any claim or claims can be settled and then relinquish the conduct and control
                                and be under no further liability in respect of the claim except for the payment of Costs and Expenses
                                incurred with our written consent prior to the date of such payment.

                                2.  Limit of Indemnity
                                The limit of indemnity stated in the schedule is our monetary limit (other than any limit otherwise
                                stated) and applies to any claim or series of claims arising from any one cause except for claims
                                caused by:
                                a)  Products

                                b)  Pollution or Contamination
                                where in respect of each the limit of indemnity stated applies in the aggregate in any one period
                                of insurance.

                                4.  Limit of Indemnity – Terrorism
                                The limit of indemnity in respect of any claim against or by you or series of claims against or by you
                                arising directly or indirectly from a single act of terrorism will be as stated in the schedule.

                                                                                                                  71]]></page><page Index="98"><![CDATA[Part I – Employers’ Liability








                                Section 1 – Special Definitions

                                Costs and Expenses
                                a)  Claimants’ costs and expenses
                                b)  costs incurred with our written consent in defending any claim for damages

                                c)  costs incurred with our written consent for:
                                   i)  representation at any coroner’s inquest or fatal injury inquiry
                                   ii)  defending in any court of summary jurisdiction any proceedings in respect of any act
                                      or omission
                                relating to any event which may be the subject of indemnity under this part.

                                Employee
                                Any natural person who is:
                                a)  under a contract of service or apprenticeship with you or your relevant officer
                                b)  a labour master or labour only subcontractor or persons supplied by any of them
                                c)  self employed

                                d)  under a work experience or similar scheme
                                e)  hired or borrowed by you from another employer
                                f)  a chief officer

                                g)  a police cadet appointed for your police area
                                h)   a special constable
                                and working for you or your relevant officer in connection with the business while under your or
                                your relevant officer’s direct control or supervision.

                                Injury
                                Bodily injury, illness or disease (including death).


                                Section 2 – The Cover
                                We will indemnify you, the office of relevant officer as corporation sole and/or your relevant officer
                                in respect of all sums which you, the office of relevant officer as corporation sole and/or your relevant
                                officer may become legally liable to pay as damages in respect of Injury caused during the period of
                                insurance to any Employee arising out of and in the course of their employment by you or your relevant
                                officer in the business.
                                In addition to any claim for damages we will pay Costs and Expenses.

                                2.1   Corporate Manslaughter and Corporate Homicide Act 2007
                                We will also indemnify you, the office of relevant officer as corporation sole and/or your relevant
                                officer in respect of legal costs and expenses incurred with our prior written consent in connection
                                with the defence of any criminal proceedings (including any appeal against conviction arising from
                                any such proceedings) brought in respect of a charge and or investigations connected with a charge
                                of corporate manslaughter or corporate homicide under the Corporate Manslaughter and Corporate
                                Homicide Act 2007 or any equivalent legislation in the Isle of Man or the Channel Islands committed
                                or alleged to have been committed during the period of insurance in the course of the business.

      72]]></page><page Index="99"><![CDATA[Provided always that:
                                a)  our total liability under this clause will not exceed the sum stated in the schedule as the limit of
                                   indemnity in any one period of insurance. This limit will form part of and not be in addition to the
                                   limit of indemnity stated in the schedule

                                b)  this clause will only apply to proceedings brought in the territorial limits
                                c)  we must consent in writing to the appointment of any solicitor or counsel who are to act for and
                                   on behalf of you
                                d)  you or your relevant officer will give to us immediate notice of any summons or other process
                                   served upon you, the office of relevant officer as corporation sole or your relevant officer
                                   which may give rise to proceedings under this clause

                                e)  in relation to any appeal counsel has advised there are strong prospects of such appeal succeeding
                                f)  we will be under no liability:
                                   i)  where you or your relevant officer have committed any deliberate or intentional criminal act
                                      giving rise to a corporate manslaughter or corporate homicide charge
                                   ii)  in respect of fines or penalties of any kind

                                   iii)  in respect of the defence of any criminal proceedings brought or in an appeal against
                                      conviction arising from such proceedings in respect of a breach of the Health and Safety at
                                      Work Act 1974 or the Health and Safety at Work Act (Northern Ireland) Order 1978 or any
                                      regulations made thereunder

                                   iv)  where indemnity for defence costs is available from any other source or is provided by any
                                      other insurance or where but for the existence of this clause indemnity would have been
                                      provided by such other source or insurance
                                g)  where we have already indemnified you, the office of relevant officer as corporation sole and/or
                                   your relevant officer in respect of legal costs or expenses incurred in the defence of any criminal
                                   proceedings arising out of the same cause or occurrence which gave rise to the charge of and or
                                   investigation connected with corporate manslaughter or corporate homicide under another part of
                                   the policy the amount paid under that part will be taken into account in arriving at our liability
                                   payable under this clause.

                                2.2   Court Attendance Costs
                                We will pay you a daily rate of £500 if any member, Employee or volunteer is required to attend
                                court as a witness at our request.

                                2.3   Health and Safety at Work Defence Costs
                                We will also indemnify you, the office of relevant officer as corporation sole and/or your relevant
                                officer and at your or your relevant officer’s request any member, Employee or volunteer against:

                                a)  costs and expenses incurred with our prior consent
                                b)  costs awarded against you, the office of relevant officer as corporation sole, your relevant
                                   officer or such member, Employee or volunteer
                                in the defence of any criminal proceedings arising from an alleged breach of the Health and Safety at
                                Work etc. Act 1974 or the Health and Safety at Work (Northern Ireland) Order 1978 occurring during
                                the period of insurance in the course of the business including in any appeal against conviction arising
                                from such proceedings.


                                                                                                                  73]]></page><page Index="100"><![CDATA[Provided always that this will not apply to:
                                i)  fines or penalties of any kind

                                ii)  costs in respect of which you, the office of relevant officer as corporation sole and/or your
                                   relevant officer or any member, Employee or volunteer has effected a more specific legal
                                   expenses protection or insurance
                                iii)  proceedings or appeals consequent upon any deliberate act or omission and you, the office of
                                   relevant officer as corporation sole and/or your relevant officer will immediately repay us all
                                   costs and expenses paid by us prior to any deliberate act or omission being established

                                iv)  proceedings not related to the health, safety or welfare of an Employee.

                                2.4   Indemnity to Other Persons
                                We will also indemnify at your request:

                                a)  any member, Employee or volunteer
                                b)  any principal for whom you are or have been carrying out work but only to the extent required
                                   under the contract for the work.
                                Provided always that:
                                i)  such person is not entitled to indemnity under any other insurance; and

                                ii)  such person will as though they were you observe, fulfil and be subject to the terms and
                                   conditions of this part; and

                                iii)  we will not be liable unless we have the sole conduct and control of all claims.

                                2.5   Unsatisfied Court Judgments
                                If any Employee or their personal representative obtains a judgment from a court within the territorial
                                limits for damages for Injury against any company or individual operating from premises within the
                                territorial limits and that judgment remains unpaid for more than 6 months after the date of the
                                award we will pay at your or your relevant officer’s request the amount of any unpaid damages and
                                awarded costs to the Employee or their personal representative.
                                Provided always that:
                                a)  the bodily injury:
                                   i)  is caused during the period of insurance

                                   ii)  arises out of and in the course of employment in the business
                                b)  there is no appeal outstanding.

                                If a payment is made the Employee or their personal representative will assign the judgment to us.
















      74]]></page><page Index="101"><![CDATA[Section 3 – Special Exclusions

                                This part does not cover:

                                1.  Motor
                                liability for which compulsory motor insurance or security is required under road traffic legislation


                                2.  Work Offshore
                                liability for Injury caused:

                                a)  on any offshore installation or support or accommodation vessel for any offshore installation
                                b)  in transit to from or between any offshore installation or support or accommodation vessel for any
                                   offshore installation

                                3.  Work Overseas
                                liability in respect of any Injury caused outside the territorial limits but this exclusion will not apply to
                                any Employee temporarily employed elsewhere provided always that the contract of service or
                                apprenticeship for such work was entered into within the territorial limits and that the Employee is
                                normally resident in and travelling from the territorial limits.

                                Section 4 – Special Provisions


                                1.  Limit of Indemnity
                                Our liability will not exceed the limit of indemnity stated in the schedule including all costs and
                                expenses (other than any limit otherwise stated) and any limit applies to any claim or series of claims
                                arising from any one cause.


                                2.  Limit of Indemnity – Terrorism
                                The limit of indemnity in respect of any claim or series of claims arising directly or indirectly from
                                terrorism is as stated in the schedule.

































                                                                                                                  75]]></page><page Index="102"><![CDATA[Part J – Libel and Slander







                                Special Definitions

                                Costs and Expenses
                                a)  Claimants’ costs and expenses which you become legally liable to pay
                                b)  costs incurred with our written consent in defending any claim for damages which may be the
                                   subject of indemnity under this part.

                                Employee
                                Any natural person who is:
                                a)  under a contract of service or apprenticeship with you or your relevant officer
                                b)  a labour master or labour only subcontractor or persons supplied by any of them

                                c)  self employed
                                d)  under a work experience or similar scheme
                                e)  hired or borrowed by you from another employer

                                f)  a chief officer
                                g)  a police cadet appointed for your police area

                                h)  a special constable
                                and working for you or your relevant officer in connection with the business while under your or
                                your relevant officer’s direct control or supervision.


                                Section 2 – The Cover

                                We will indemnify you in respect of all sums which you may become legally liable to pay as damages for:
                                a)  libels appearing in any publications normal in the business by:
                                   i)  any member provided such publications were specifically authorised by you

                                   ii)  any Employee
                                b)  slanders in oral utterances made by any member or Employee arising out of and in the course of:
                                   i)  the discharge of official duties on your behalf

                                   ii)  in the case of a member your official business at meetings or of your committees or
                                      subcommittees or any occasion when the member is specifically authorised to represent you

                                for which a claim is first made against you and notified to us during the period of insurance or within
                                12 months of this part ceasing to operate.

                                Provided always that:
                                1)  the date of any publication or utterance on which a claim is based occurs during the period of
                                   insurance; and

                                2)  any claim notified during the additional 12 month period after this part ceases to operate will be
                                   deemed to have been made during the final period of insurance.

                                In addition we will pay Costs and Expenses.




      76]]></page><page Index="103"><![CDATA[2.1   Indemnity to Other Persons
                                We will also indemnify under the terms of this part at your request your relevant officer, any
                                member or Employee.

                                Provided always that:
                                a)  you would have been entitled to indemnity had the claim been made against you; and
                                b)  our total liability will not be increased beyond the limit of indemnity; and

                                c)  any person claiming indemnity:
                                   i)  is not entitled to indemnity from any other source; and
                                   ii)  will be subject to the terms and conditions of this part in so far as they can apply; and

                                d)  we have the sole conduct and control of any claim.

                                Section 3 – Special Exclusions

                                This part does not cover:

                                1.  Courts Jurisdiction
                                any claim made or brought:
                                a)  in the United States of America or Canada or territories under their jurisdiction
                                b)  under or in consequence of any judgment or order in or under the laws of the United States of
                                   America or Canada or territories under their jurisdiction

                                2.  Excess
                                the excess stated in the schedule which will apply to each and every claim or series of claims arising
                                from one publication or utterance

                                3.  Exemplary or Punitive Damages
                                any amount in respect of exemplary or punitive damages

                                4.  Malicious Falsehood or Injurious Falsehood
                                liability arising from malicious falsehood or injurious falsehood.

                                Section 4 – Special Provisions

                                1.  Claims Notification
                                The notification to us in writing during the period of insurance or the extended 12 months reporting
                                period allowed for under this part after cessation of any circumstances that might give rise to a claim
                                under this part will constitute a claim first made against you during the period of insurance in which the
                                notification is received even though no notification of any claim has been received from a third party.













                                                                                                                  77]]></page><page Index="104"><![CDATA[2.  Discharge of Liability
                                We may at any time pay the maximum amount payable under this part after deduction of any sum
                                already paid or any lower amount for which any claim can be settled and then relinquish the conduct
                                and control and be under no further liability in respect of the claim except for the payment of Costs
                                and Expenses incurred with our written consent prior to the date of such payment.

                                3.  Limit of Indemnity
                                The limit of indemnity stated in the schedule is our monetary limit in respect of the insurance provided
                                under this part including all Costs and Expenses and applies in the aggregate to:
                                a)  all claims made during any one period of insurance; and
                                b)  all damages and Costs and Expenses incurred or awarded in connection with any one publication
                                   or utterance whether all claims in respect of such publication or utterance are made during the
                                   same period of insurance or not.


























































      78]]></page><page Index="105"><![CDATA[Part K – Professional Indemnity







                                Section 1 – Special Definitions

                                Costs and Expenses
                                a)  Claimants’ costs and expenses which you become legally liable to pay
                                b)  costs incurred with our written consent in defending any claim for damages which may be the
                                   subject of indemnity under this part.

                                Employee
                                Any natural person who is:
                                a)  under a contract of service or apprenticeship with you or your relevant officer
                                b)  a labour master or labour only subcontractor or persons supplied by any of them

                                c)  self employed
                                d)  under a work experience or similar scheme
                                e)  hired or borrowed by you from another employer

                                f)  a chief officer
                                g)  a special constable

                                and working for you or your relevant officer in connection with the business while under your or
                                your relevant officer’s direct control or supervision.

                                Pollution or Contamination
                                Pollution or contamination of buildings or other structures or of water or land or the atmosphere.

                                Services
                                Services stated in the schedule.


                                Section 2 – The Cover

                                We will indemnify you in respect of all sums which you become legally liable to pay as damages arising
                                out of the provision of the Services within the territorial limits that result in a claim being first made
                                against you and notified to us during the period of insurance for any breach of professional duty due
                                to any negligent act, error or omission committed or alleged to have been committed by any Employee.

                                In addition we will pay Costs and Expenses.
                                Costs and Expenses will not be subject to any excess.

                                2.1   Court Attendance Costs
                                We will pay you a daily rate of £500 if any member, Employee or volunteer is required to attend
                                court as a witness at our request.

                                Our liability will not exceed £10,000 in the aggregate during the period of insurance and this limit will
                                form part of and not be in addition to the limit of indemnity stated in the schedule.

                                2.2   Extended Reporting Period
                                In the event that you elect not to renew or extend this part and do not effect any similar policy or
                                scheme of self insurance in substitution then this insurance includes any claim made and notified to us
                                within 30 days immediately following the expiry of this part but the cause of which occurred prior to
                                the expiry of this period and is otherwise covered under this part.
                                                                                                                  79]]></page><page Index="106"><![CDATA[2.3   Indemnity to Other Persons Including Personal Representatives
                                We will also indemnify under the terms of this part any current, former or retired Employee.
                                Provided always that:
                                a)  you would have been entitled to indemnity had the claim been made against you; and

                                b)  no indemnity will be provided to any person in respect of the consequences of their own fraud,
                                   dishonesty or criminal act; and

                                c)  any person claiming indemnity:
                                   i)  is not entitled to indemnity from any other source; and
                                   ii)  was at the time of the incident giving rise to the claim acting within the scope of their
                                      authority; and
                                   iii)  will be subject to the terms and conditions of this part in so far as they can apply; and

                                d)  we have the sole conduct and control of any claim.

                                2.4   Legal Representation Cover
                                We will also cover any reasonable costs and expenses necessarily incurred with our written consent for
                                representation at any official examination, enquiry, investigation or other proceedings ordered or
                                commissioned by a body legally empowered to investigate your affairs that are first instigated against
                                you and notified to us during the period of insurance and which may otherwise be the subject of
                                indemnity under this part.
                                Our liability will not exceed £10,000 in the aggregate during the period of insurance and this limit will
                                form part of and not be in addition to the limit of indemnity stated in the schedule.


                                Section 3 – Special Exclusions

                                This part does not cover:

                                1.  Asbestos
                                liability, loss, cost or expense directly or indirectly caused by, contributed to by or arising out of any
                                asbestos, asbestos fibres or any derivatives of asbestos including any product containing any asbestos
                                fibres or derivatives
                                2.  Bodily Injury and Property Damage
                                liability for :
                                a)  death, bodily injury, disease or sickness  sustained by any person

                                b)  loss of or damage to property
                                unless arising out of a breach of professional duty from the conduct of the Services due to any
                                negligent act, error or omission committed or alleged to have been committed by you

                                3.  Contractual Liability
                                liability arising from:
                                a)  any express warranty, guarantee, contractual promise, indemnity, waiver or express agreement
                                   given by you unless you would have been liable even if there had not been any such warranty,
                                   guarantee, contractual promise, indemnity, waiver or agreement



      80]]></page><page Index="107"><![CDATA[b)  any claim where your right to recovery from any third party has been restricted by the terms of any
                                   contract entered into by you

                                4.  Courts Jurisdiction
                                any claim made or brought outside of the European Union

                                5.  Defamation or Malicious Falsehood
                                liability arising from libel, slander, defamation, malicious falsehood or injurious falsehood

                                6.  Directors and Officers Liability
                                liability arising out of the duties of any member or any trustee of any pension fund or any other
                                employee benefit scheme

                                7.  Employment
                                a)  liability arising out of any bodily injury, sickness, disease or the death of any member, trustee,
                                   or Employee

                                b)  liability arising out of any obligation owed by you or your relevant officer as an employer or
                                   potential employer to any member, trustee or Employee or applicant for employment


                                8.  Joint Ventures
                                liability arising out of your involvement in any joint venture, consortium or other profit sharing scheme

                                9.  Liquidated or Punitive Damages or Fines
                                any amount in respect of:
                                a)  liquidated damages, penalties or fines which attach solely because of a contract or agreement
                                b)  punitive or exemplary damages


                                10. Medical Malpractice
                                liability arising out of the provision of or failure to provide medical treatment of any kind

                                11. Pollution or Contamination
                                liability arising directly or indirectly out of Pollution or Contamination other than caused by a sudden,
                                identifiable, unintended and unexpected incident which takes place in its entirety at a specific time and
                                place during the period of insurance

                                12. Prior Circumstances and Claims
                                liability for any claim arising from any circumstance, fact, matter or occurrence that:
                                a)  you knew or that in our reasonable opinion you ought to have known prior to inception of this
                                   part which might give rise to a claim against you
                                b)  was notified by you under any other insurance policy prior to inception of this part
                                c)  was disclosed or in our reasonable opinion ought to have been disclosed on your latest proposal
                                   to us

                                13. Retroactive Date
                                liability for any claim arising from the Services provided by you prior to the retroactive date stated in
                                the schedule




                                                                                                                  81]]></page><page Index="108"><![CDATA[14. Terrorism
                                loss, damage, consequential loss, cost or expense directly or indirectly caused by, contributed to by,
                                resulting from or arising out of or in connection with terrorism.

                                In any action or suit or other proceedings where we allege that by reason of this exclusion cover is not
                                provided under this part the burden of proving that cover is provided under this part will be upon you

                                15. Virus or Similar Mechanism, Hacking or Denial of Service Attack
                                liability arising out of virus or similar mechanism, hacking or denial of service attack.

                                Section 4 – Special Provisions


                                1.  Contracts (Rights of Third Parties) Act 1999
                                For the purposes of the Contracts (Rights of Third Parties) Act 1999 this part is not enforceable by any
                                third party.

                                2.  Discharge of Liability
                                We may at any time pay the maximum amount payable under this part after deduction of any sum
                                already paid or any lower amount for which any claim can be settled and then relinquish the conduct
                                and control and be under no further liability in respect of the claim except for the payment of Costs
                                and Expenses incurred with our written consent prior to the date of such payment.

                                3.  Limit of Indemnity
                                The limit of indemnity stated in the schedule is our monetary limit and applies in the aggregate to all
                                claims made in any one period of insurance.
                                Two or more claims arising out of a single negligent act, error or omission or a series of related
                                negligent acts, errors or omissions consequent upon or attributable to one source or original cause will
                                be treated as a single claim and will be subject to one limit of indemnity and excess. All such claims
                                will be considered first made on the date on which the earliest claim is first made.
                                Where you become liable to pay a sum in excess of the amount of indemnity available under this part
                                we will pay only the proportion of any Costs and Expenses that the available amount of indemnity
                                bears to your total liability.

                                4.  Queen’s Counsel
                                You will not be required to contest any legal proceedings unless a Queen’s Counsel or similar authority
                                agreed upon by you and us advises that on the facts of the case concerned such claim could be
                                contested with a reasonable prospect of success.





















      82]]></page><page Index="109"><![CDATA[Part L – Motor








                                Section 1 – Special Definitions

                                Accessories
                                a)  Parts or products specifically designed to be fitted to or used with the Vehicle including spare parts
                                b)  equipment permanently fitted to the Vehicle.


                                Car
                                any private car, estate car, utility car or Minibus.

                                Certificate
                                The current certificates of motor insurance issued by us.

                                Commercial Vehicle
                                any motor vehicle other than a Car or Motorcycle.


                                Costs and Expenses
                                a)  Claimants’ costs and expenses

                                b)  costs and expenses incurred with our consent in defending any claim
                                c)  costs incurred with our consent for:
                                   i)  representation at any coroner’s inquest or fatal injury inquiry

                                   ii)  defending a charge of manslaughter, causing death by dangerous driving or causing death by
                                      careless driving or any equivalent local charge within the Geographical Limits
                                   iii)  defending in any court of summary jurisdiction any proceedings in respect of any act or
                                      omission
                                relating to any event which may be the subject of indemnity under this part.

                                Driver
                                Any person driving the Vehicle and entitled to do so under the terms of the Certificate.

                                Geographical Limits
                                a)  the territorial limits
                                b)  any other member country of the European Union
                                c)  any other country in respect of which the Commission of the European Union is satisfied that
                                   arrangements have been made to meet the requirements of Article 7(2) of the EU Directive on
                                   insurance of civil liabilities arising from the use of motor vehicles (number 72/166/EEC)
                                d)  any other country but only during any period for which you have requested and we have agreed to
                                   extend cover for the use of the Vehicle in that country
                                and during transit (including the process of loading and unloading) by a recognised sea route not
                                normally exceeding 65 hours between ports within any country where cover is provided.

                                Insured Person
                                a)  You
                                b)  the Driver




                                                                                                                  83]]></page><page Index="110"><![CDATA[c)  at your request:
                                   i)  any constable, employee, member or volunteer

                                   ii)  any Passenger
                                   iii)  the owner of a Vehicle on hire or loan or leased to you
                                   iv)  any member or committee member of your sports or social club

                                   v)  the hirer of any agricultural tractor or self-propelled agricultural or forestry machine provided
                                      always that such hire is permitted under the terms of the Certificate

                                d)  any person who with your permission is using but not driving the Vehicle for social domestic and
                                   pleasure purposes provided always that such use is permitted under the terms of the Certificate

                                e)  the employer or partner of any person whose business use is permitted under the terms of
                                   the Certificate.

                                Licence
                                Licence to drive a motor vehicle of the same class as the Vehicle.

                                Minibus
                                A motor vehicle with between 9 and 16 (inclusive) Passenger seats.

                                Motorcycle
                                any motorcycle, motorcycle and sidecar or moped.

                                Passenger
                                Any person other than the Driver travelling in or on or getting into or out of the Vehicle or any Trailer
                                or disabled motor vehicle attached to the Vehicle.


                                Pollution or Contamination
                                Pollution or contamination of buildings or other structures or of water, land or the atmosphere.

                                Road
                                Anywhere within the Geographical Limits where compulsory motor insurance legislation is operative.

                                Trailer
                                Any trailer which is your property or for which you are legally responsible but excluding a disabled
                                motor vehicle

                                Vehicle
                                Any motor vehicle (excluding a steam driven vehicle) as follows:
                                a)  Car

                                b)  Motorcycle
                                c)  Commercial Vehicle
                                which is insured under this part and described in the Certificate but excluding any motor vehicle
                                registered outside the territorial limits unless you have requested and we have agreed to cover such
                                motor vehicle.





      84]]></page><page Index="111"><![CDATA[Section 2 – Extent of Cover

                                Cover only applies within the Geographical Limits for death, injury, loss or damage caused or arising in
                                the period of insurance stated in the schedule. The extent of cover applicable is as stated in the
                                schedule or any relevant endorsement and the following meanings apply to words or expressions used.

                                Comprehensive
                                The full insurance as written in this part.

                                Third Party, Fire and Theft
                                Section 5 does not apply except for damage to the Vehicle by:

                                a)  fire, lightning, self ignition or explosion
                                b)  theft or attempted theft.
                                Sections 6 and 7 do not apply.

                                Third Party only
                                Sections 5, 6 and 7 do not apply.


                                Section 3 – Excesses
                                When cover is applicable you will be liable to pay or refund to us excesses in the amounts which are
                                stated in the schedule and which apply in respect of claims and expenses as follows.

                                Damage
                                All claims and expenses under section 5 other than claims in respect of:

                                a)  breakage of glass in the windscreen, windows or sunroof of the Vehicle or the scratching of
                                   bodywork caused by such breakage

                                b)  damage to the Vehicle caused by:
                                   i)  fire, lightning, self ignition or explosion
                                   ii)  theft or attempted theft.

                                Fire
                                All claims and expenses under section 5 in respect of damage to the Vehicle caused by fire, lightning,
                                self-ignition or explosion.

                                Personal Effects
                                All claims and expenses under section 6.

                                Theft
                                All claims and expenses under section 5 in respect of damage to the Vehicle caused by theft or
                                attempted theft.

                                Third Party
                                All claims and expenses under section 4.

                                Windscreen
                                All claims and expenses under section 5 in respect of breakage of glass in the windscreen, windows or
                                sunroof of the Vehicle or the scratching of bodywork caused by such breakage.
                                                                                                                  85]]></page><page Index="112"><![CDATA[Section 4 – Liability to Third Parties

                                The Cover
                                In respect of legal liability for death of or bodily injury to any person and damage to property we will
                                indemnify the Insured Person when liability is caused by or arises out of the use of the Vehicle or in
                                connection with the loading or unloading of the Vehicle.

                                In addition we will pay Costs and Expenses.

                                4.1   Corporate Manslaughter
                                In respect of any event which may be the subject of indemnity under this section we will pay legal
                                costs and expenses incurred with our prior written consent in connection with the defence of any
                                criminal proceedings (including any appeal against conviction arising from any such proceedings)
                                brought in respect of a charge and or investigations connected with a charge of corporate
                                manslaughter or corporate homicide under the Corporate Manslaughter and Corporate Homicide Act
                                2007 or any equivalent legislation in the Isle of Man or the Channel Islands committed or alleged to
                                have been committed during the period of insurance in the course of the business.
                                Provided always that:
                                a)  our liability under this clause will not exceed the amount stated in the schedule in any one period
                                   of insurance
                                b)  this clause will only apply to proceedings brought in the territorial limits

                                c)  we must consent in writing to the appointment of any solicitor or counsel who are to act for and
                                   on your behalf
                                d)  you will give us immediate notice of any summons or other process served upon you which may
                                   give rise to proceedings under this clause
                                e)  in relation to any appeal counsel has advised there are strong prospects of such an appeal succeeding

                                f)  we will be under no liability:
                                   i)  where you have committed any deliberate or intentional criminal act giving rise to a corporate
                                      manslaughter or corporate homicide charge
                                   ii)  in respect of fines or penalties of any kind
                                   iii)  where indemnity for defence costs is available  from any other source or is  provided by any
                                      other insurance or where but for the existence of this clause indemnity would have been
                                      provided by such other source or insurance.


                                4.2   Disabled Motor Vehicles
                                In respect of legal liability for death of or bodily injury to any person and damage to property we will
                                indemnify the Insured Person when liability is caused by or arises out of any disabled motor vehicle
                                while attached to the Vehicle. This section will also apply to any disabled motor vehicle detached from
                                the Vehicle and not attached to any other vehicle and being used by you but only to the extent
                                necessary to meet the requirements of any compulsory motor insurance legislation operative within the
                                Geographical Limits.
                                We will not be liable for:

                                a)  damage to a disabled motor vehicle
                                b)  any liability if a disabled motor vehicle is being towed otherwise than in accordance with the law
                                c)  damage to property being carried in or on a disabled motor vehicle.
      86]]></page><page Index="113"><![CDATA[4.3   Immobile Property
                                Exclusion 2 a) will not apply for damage to your immobile property.
                                Provided always that:
                                a)  the amount payable for any one event will not exceed the sum stated in the schedule

                                b)  no other insurance covers the damage.

                                4.4   Indemnity to Personal Representatives
                                Following the death of any person entitled to indemnity we will in respect of the liability incurred
                                indemnify such person’s personal representatives.

                                4.5   Indemnity to Insurer of a Constable
                                In respect of an accident occurring as a direct result of the use of a motor vehicle the property of or on
                                hire or loan to a constable of yours in the pursuit, interception or detention of any person suspected of
                                crime or whom the constable reasonably considers they have the power to apprehend we will at your
                                request indemnify the insurer of the constable to the extent of the insurer’s liability under a motor policy
                                provided no settlement or agreement to settle has been made without our prior agreement.

                                4.6   Movement of Third Party Vehicles
                                In respect of legal liability for death of or bodily injury to any person and damage to property we will
                                indemnify you or any constable, employee, member or volunteer when liability is caused by or
                                arises out of the driving, movement or possession of any motor vehicle with or without the authority of
                                the owner:

                                a)  if parked in a position which obstructs the legitimate passage or the loading or unloading
                                   of the Vehicle
                                b)  within the vicinity of any premises owned or occupied by you

                                c)  when otherwise required in connection with the business.
                                In these circumstances the motor vehicle will not be regarded as property held in your care, custody
                                or control.
                                We will not pay for:

                                a)  liability if the motor vehicle is:
                                   i)  your property or held by you under a hire purchase agreement or hired by or loaned or leased
                                      to you

                                   ii)  other than c) driven or moved by any person who does not hold a Licence unless such person
                                      has held and is not disqualified from holding or obtaining such a Licence

                                b)  damage to property in or on the motor vehicle.

                                4.7   Principal’s Clause
                                In the event of any claim in respect of which you would be entitled to receive indemnity being brought
                                or made against any public or local authority or other principal we will indemnify the said public or
                                local authority or other principal against such claim and/or any costs and expenses in respect thereof.
                                Provided always that:
                                a)  we have the sole conduct and control of any claim
                                b)  the public or local authority or other principal is not entitled to indemnity under any other policy


                                                                                                                  87]]></page><page Index="114"><![CDATA[c)  we will not be liable for death of or bodily injury to any person or damage to property arising out
                                   of the negligence or other default of the public or local authority or other principal or their servant
                                   or agent.

                                4.8   Service and Repair
                                We will indemnify you when the Vehicle is in the custody or control of a member of the motor trade
                                for service or repair.


                                4.9   Third Party Contingency
                                In respect of legal liability for death of or bodily injury to any person and damage to property we will
                                indemnify you alone when liability is caused by or arises out of the use of or in connection with any
                                motor vehicle while being used in connection with the business.

                                Provided always that:
                                a)  such vehicle is not your property or held by you under a hire purchase agreement or hired by or
                                   leased to you

                                b)  you have taken all reasonable steps to ensure that there is in force in respect of such vehicle an
                                   insurance that is valid for such use

                                c)  if any claim covered by this clause is covered by any other insurance then notwithstanding general
                                   condition 8 we will not be liable to make any contribution to such claim

                                d)  motor vehicle does not include any vehicle registered outside the territorial limits.

                                4.10  Unauthorised Use
                                We will indemnify you in the event of any accident occurring while the Vehicle is being used or driven
                                by any person without your knowledge or consent for any purpose not permitted provided always that
                                you will take all reasonable precautions to ensure that all persons who may use or drive the Vehicle are
                                made aware of the permitted purposes of use as stated in this part.

                                Exclusions to Section 4
                                This section does not cover:

                                1.  Airside
                                legal liability directly or indirectly caused by or contributed to by or arising from the Vehicle while in or
                                on that part of any aerodrome, airfield, airport or military installation provided for:
                                a)  the takeoff or landing of aircraft or aerial devices or for the movement of aircraft or aerial devices
                                   on the ground
                                b)  aircraft parking including any associated service roads, refuelling areas, ground equipment parking
                                   areas, aprons, maintenance areas and hangars

                                2.  Damage
                                a)  damage to property belonging to or in the care, custody or control of the Insured Person
                                b)  damage to premises or to the fixtures and fittings therein which are not your property but
                                   are occupied by you under a lease or rental agreement if such damage is covered by any
                                   other insurance
                                c)  damage to property in or on the Vehicle

                                d)  damage to the Vehicle


      88]]></page><page Index="115"><![CDATA[3.  Defective Goods or Treatment
                                death of or bodily injury to any person or damage to property caused by or attributable to:
                                a)  any defect in or the action of any commodity or goods or anything including any packaging,
                                   container and label transported by or disposed of from the Vehicle or any motor vehicle not your
                                   property or provided by you
                                b)  treatment given or services provided at or from the Vehicle or any other motor vehicle


                                4.  Employers’ Liability
                                death of or bodily injury to any person arising out of or in the course of that person’s employment by the
                                person claiming indemnity if insurance cover in respect of liability for such death or bodily injury is provided
                                as a requirement of any compulsory employers’ liability legislation within the Geographical Limits

                                5.  Loading or Unloading
                                death of or bodily injury to any person or damage to property caused or occurring beyond the limits
                                of any Road in connection with:
                                a)  the bringing of the load to any Vehicle for loading thereon
                                b)  the taking away of the load from any Vehicle after unloading therefrom

                                by any person other than the Driver or attendant of such Vehicle

                                6.  Other Insurances
                                any person other than you if that person is entitled to indemnity under any other insurance

                                7.  Pollution or Contamination
                                death of or bodily injury to any person or damage to property directly or indirectly caused by
                                Pollution or Contamination unless the Pollution or Contamination  is directly caused by a sudden,
                                identifiable, unintended and unexpected incident which occurs in its entirety at a specific time and
                                place during the period of insurance.
                                All Pollution or Contamination which arises out of one incident will be deemed to have occurred at the
                                time such incident took place

                                8.  Terrorism
                                any amount in excess of the sum stated in the schedule inclusive of Costs and Expenses or the
                                minimum amount required by the compulsory motor insurance legislation in the country in which the
                                insured event occurs whichever is the greater directly or indirectly caused by, contributed to by,
                                resulting from or arising out of or in connection with terrorism.
                                In any action or suit or other proceedings where we allege that by reason of this exclusion cover is not
                                provided under this part the burden of proving that cover is provided under this part will be upon you

                                9.  Tool of Trade
                                death of or bodily injury to any person or damage to property caused by or arising out of the use of
                                mechanically propelled plant or an attachment of the Vehicle while working as a tool of trade.

                                Exclusions 1, 3, 7 and 9 will not apply in circumstances where it is necessary to meet the requirements
                                of any compulsory motor insurance legislation operative within the Geographical Limits.







                                                                                                                  89]]></page><page Index="116"><![CDATA[Provision to Section 4
                                1.  Limit of Indemnity
                                Our liability will not exceed the sum stated in the schedule or such greater sum as may be required by
                                the compulsory motor insurance legislation in the country in which the insured event occurs.

                                Section 5 – Damage to Vehicles


                                The Cover
                                We will indemnify you in respect of damage to the Vehicle and Accessories of the Vehicle.

                                This indemnity will not exceed the market value of the Vehicle immediately before such damage.

                                5.1   Continuing Hire Charges
                                If you become liable to pay for continuing hire charges incurred under a contract with the owner of a
                                motor vehicle on temporary hire to you as a direct result of damage caused to such motor vehicle and
                                which is the subject of indemnity under this section we will pay such charges for a period not
                                exceeding 120 days from the date of the event
                                Provided always that:

                                a)  we will not be liable for the first 72 hours of such charges
                                b)  the amount payable in respect of any one event will not exceed  the amount stated in
                                   the schedule.
                                5.2   Customs Duty
                                We will indemnify you against liability for the enforced payment of customs duty where such liability
                                arises directly from damage covered under this section.

                                5.3   New for Old
                                If any Vehicle within one year of first registration is:

                                a)  damaged to the extent that the costs of repair would exceed 50% of the manufacturer’s
                                   recommended retail price plus taxes

                                b)  lost by theft and not recovered
                                we will replace it with a new Vehicle of the same manufacturer and of the same or like type
                                Provided always that:

                                i)  you request it; and
                                ii)  any other interested party known to us consents; and
                                iii)  such a replacement is available.


                                5.4   Other Charges
                                We will indemnify you against general average contribution and salvage and sue and labour charges
                                incurred during the transportation of the Vehicle by sea.
                                Provided always that:
                                a)  such Vehicle is covered against damage under this section

                                b)  the contribution relates to the value of such Vehicle.


      90]]></page><page Index="117"><![CDATA[5.5   Recovery and Re-delivery
                                We will indemnify you for the reasonable cost of removing the Vehicle from the place where damage
                                occurred to the premises of the nearest competent repairer and re-delivery to you within the
                                territorial limits after repair.

                                5.6   Service and Repair
                                We will indemnify you when the Vehicle is in the custody or control of a member of the motor trade
                                for service or repair.

                                5.7   Theft of Keys
                                If the keys or any other removable ignition device or lock transmitter for the Vehicle are stolen we will
                                at your request pay up to the amount stated in the schedule in respect of any one event for each
                                Vehicle to replace:
                                a)  the door locks and/or boot lock

                                b)  the ignition and/or steering lock
                                c)  the lock transmitter and/or central locking interface.
                                Provided always that:

                                i)  any other interested party known to us consents; and
                                ii)  this indemnity will not exceed the market value of the Vehicle immediately before damage; and
                                iii)  we will not be liable for the cost of replacing any alarms or security devices fitted to the Vehicle.

                                5.8   Unauthorised Use
                                We will indemnify you for damage while the Vehicle is being used or driven by any person without
                                your knowledge or consent for any purpose not permitted provided always that you will take all
                                reasonable precautions to ensure that all persons who may use or drive the Vehicle are made aware
                                of the permitted purposes of use as stated in this part.

                                Exclusions to Section 5
                                This section does not cover:

                                1.  Deception
                                damage caused by deception

                                2.  Diminution in Value
                                any diminution in the value of the Vehicle

                                3.  Sonic Bangs
                                damage to the Vehicle caused directly by pressure waves from aircraft or other aerial devices travelling
                                at sonic or supersonic speeds

                                4.  Wear and Tear, Depreciation, Loss of Use, Breakdown or Damage to Tyres
                                a)  wear and tear
                                b)  depreciation
                                c)  loss of use

                                d)  mechanical, electrical, electronic or computer breakage, failure or breakdown
                                e)  damage to tyres caused solely from braking, cuts, punctures or bursts.
                                                                                                                  91]]></page><page Index="118"><![CDATA[Provisions to Section 5
                                1.  Hire Purchase and Leasing Agreements
                                If to our knowledge the Vehicle is the subject of a hire purchase or leasing agreement any payment for
                                damage to the Vehicle which is not made good by repair or replacement may at our discretion be
                                made to the owner whose receipt will be a full discharge of our liability.

                                2.  Repairs
                                You may authorise reasonable and necessary repairs without previously obtaining our consent
                                provided always that notification in accordance with general condition 3 is given to us without delay
                                and a detailed estimate of the costs of repair is sent to us as soon as possible.


                                Section 6 – Personal Effects

                                The Cover
                                We will at your request provide indemnity up to the amount stated in the schedule for any one event
                                in respect of damage to personal effects while in or on the Vehicle.
                                The owner’s receipt will be a full discharge of our liability.


                                Exclusions to Section 6
                                This section does not cover:

                                1.  Goods or Samples
                                goods or samples carried in connection with any business

                                2.  Money or Securities
                                money, tickets, credit, debit or charge cards, stamps, cheques, bonds, securities or documents of
                                any description.


                                Section 7 – Medical Expenses

                                The Cover
                                We will pay you up to the amount stated in the schedule for medical expenses incurred by the Driver
                                or any other person travelling in or on the Vehicle following injury caused by violent, accidental,
                                external and visible means in direct connection with the Vehicle.

                                Section 8 – Special Exclusions

                                This part does not cover:

                                1.  Contractual Liability or Liquidated Damages
                                any liability assumed by you by agreement which would not have attached in the absence of such
                                agreement and any indemnity in respect of liquidated damages or under any penalty clause

                                2.  Earthquake or Riot
                                any accident, death, bodily injury or damage to property except under section 4 arising during or in
                                consequence of:
                                a)  earthquake occurring outside the territorial limits or any other member of the European Union
                                b)  riot or civil commotion occurring:

      92]]></page><page Index="119"><![CDATA[i)  in Northern Ireland
                                   ii)  outside Great Britain, the Isle of Man, the Channel Islands or any other member of the
                                      European Union

                                3.  Lessor Negligence
                                the owner of a Vehicle leased to you where liability is caused by the negligence of such owner or the
                                servant or agent of such owner

                                4.  Unauthorised Use
                                any claim while the Vehicle is with your knowledge or consent being:
                                a)  used for any purpose not permitted under the Certificate

                                b)  driven by any person not authorised under the Certificate.
                                This exclusion will not apply to claims under sections 4.8 and 5.6

                                5.  Unlicensed Drivers
                                a)  by you unless you hold a Licence or have held and are not disqualified from holding or obtaining
                                   such a Licence

                                b)  with your general consent by any person who you know does not hold a Licence unless such
                                   person has held and is not disqualified from holding or obtaining such a Licence.

                                This exclusion will not apply to claims under section 4.6 c) and special provision 5.

                                Section 9 – Special Provisions

                                1.  Trailers
                                The cover as stated in the schedule applies to any Trailer as if it was a Vehicle while attached to or
                                detached from the Vehicle and not attached to any other vehicle.
                                We will not be liable for:
                                a)  any liability if a Trailer is being towed otherwise than in accordance with the law

                                b)  damage to property being carried in or on a Trailer.

                                2.  Discharge of Liability
                                We may at any time pay any limit of indemnity after deduction of any sum already paid or any lower
                                amount for which any claim can be settled and then relinquish the conduct and control and be under
                                no further liability in respect of the claim except for the payment of Costs and Expenses incurred with
                                our written consent prior to the date of such payment.

                                3.  Joint Liabilities
                                If you comprises more than one party we will indemnify each party as though a separate policy had
                                been issued to each of them provided always that the total amount of indemnity to all such parties will
                                not exceed the amount payable if you comprised only one party and in any event will not exceed the
                                relevant limit of indemnity.

                                4.  Occasional Business Use
                                At your request this part will apply in respect of any motor vehicle not the property of or hired, lent or
                                provided by you while being used in connection with the business by any constable, employee,
                                member or volunteer.

                                                                                                                  93]]></page><page Index="120"><![CDATA[General condition 8 will not apply.

                                5.  Unlicensed Drivers
                                The requirement of the Certificate that the Driver must hold a Licence or have held and not been
                                disqualified from holding or obtaining such a Licence will not apply in circumstances where a Licence to
                                drive is not required by law.
                                Provided always that:

                                a)  the terms of the Certificate will otherwise apply
                                b)  in respect of the Vehicle other than any agricultural tractor or self propelled agricultural or forestry
                                   machine the person driving is of an age to hold a Licence to drive the Vehicle on a Road.

                                Section 10 – Special Conditions

                                1  Observance
                                The due observance and fulfilment of the terms and conditions of this part by you in so far as they
                                relate to anything to be done or complied with by you will be a condition precedent to our liability to
                                make any payment under this part.

                                Upon proof of breach of this condition we will be entitled to recover from the Insured Person all sums
                                paid by us including those for which we would not have been liable but for the provisions of any
                                compulsory motor insurance legislation operative within the Geographical Limits.

                                2.  Our Rights
                                We will be entitled to possession and ownership of the Vehicle or its remains if any payment is made
                                for actual or constructive total loss of the Vehicle or under section 5.3.

                                3.  Vehicle Information
                                You will supply details of any Vehicle whose use is insured by this part as required by the relevant law
                                applicable within Great Britain and Northern Ireland for entry on the Motor Insurance Database.

                                4.  Vehicle Maintenance
                                You will at all times maintain the Vehicle in an efficient and roadworthy condition.

                                5.  Vehicle Security
                                You will take all reasonable steps to safeguard the Vehicle from damage.
























      94]]></page><page Index="121"><![CDATA[Part M – Motor Legal Expenses and

                                Uninsured Loss Recovery




                                Cover under this part is underwritten by DAS Legal Expenses Company Limited. Head and Registered
                                Office: DAS House, Quay Side, Temple Back, Bristol BS1 6NH. Registered in England and Wales, number
                                103274. FSA No. 202106


                                Section 1 – Special Definitions

                                Appointed Lawyer
                                The lawyer or other suitably qualified person appointed under special condition 2 to act for the
                                Person Insured.

                                Geographical Limits
                                Any territory where cover is provided under part L.

                                Person Insured
                                The user of and any passenger in or on the Vehicle.

                                Legal Expenses
                                Reasonable costs necessarily incurred by the Appointed Lawyer on ’a standard basis’ and costs incurred
                                by opponents in civil cases where the Person Insured is held liable to pay such costs or pays them with
                                our consent.

                                Limit of Indemnity
                                As stated in the schedule.

                                Vehicle
                                any vehicle insured under part L.

                                Section 2 – The Cover

                                In respect of an accident causing:

                                a)  damage to the Vehicle or property carried in or on the Vehicle
                                b)  bodily injury to a Person Insured while in or on the Vehicle
                                we will pay Legal Expenses in pursuing a claim for the recovery of uninsured loss or death or bodily
                                injury caused to the Person Insured.
                                Provided always that:
                                i)  we consider there is a reasonable prospect of success

                                ii)  any action must relate to an accident occurring in and be under the jurisdiction of a court within
                                   the Geographical Limits

                                iii)  any person seeking the benefit of this cover does so with your consent.

                                Section 3 – Special Exclusions

                                We will not pay for:
                                a)  any claim reported to us more than 180 days after the date a Person Insured should have known
                                   about the insured incident
                                b)  any claim where indemnity under part L has been declined

                                                                                                                  95]]></page><page Index="122"><![CDATA[c)  any Legal Expenses incurred before we accept a claim
                                d)  any claim relating to a contract

                                e)  fines, damages or other penalties which the Person Insured is ordered to pay by a court or
                                   other authority

                                f)  any legal action a Person Insured takes which we or the Appointed Lawyer have not agreed to or
                                   where the Person Insured does anything that hinders us or the Appointed Lawyer.


                                Section 4 – Special Conditions

                                1.  Arbitration
                                If we and the Person Insured disagree about the choice of Appointed Lawyer or about the handling of
                                a claim we and the Person Insured can choose another suitably qualified person to decide the matter.
                                We and the Person Insured must both agree to this in writing. If we cannot agree with the Person
                                Insured about the choice of the second suitably qualified person we will ask the president of a relevant
                                national law society to choose a suitably qualified person. If the Person Insured loses the disagreement
                                they will have to pay the costs of settling it. If we lose the disagreement we will pay the costs of
                                settling it.

                                2  Claims Procedures
                                a)  Person Insured’s Responsibilities
                                A Person Insured must:

                                i)  send everything we ask for in writing
                                ii)  give us any information we request
                                iii)  tell us if anyone offers to settle a claim and must not agree to any settlement without our
                                   written consent
                                iv)  if we ask tell the Appointed Lawyer to have Legal Expenses taxed, assessed or audited

                                v)  take every step to recover Legal Expenses that we have to pay and must pay us any Legal Expenses
                                   that are recovered
                                vi)  co-operate fully with us and the Appointed Lawyer and must keep us up-to-date with the progress
                                   of the claim
                                vii)  give the Appointed Lawyer any instructions that are required by us.

                                b)  Our Rights
                                We:
                                i)  in civil cases can take over and conduct in the name of you any claim, proceeding or investigation
                                   at any time and can negotiate any claim on behalf of a Person Insured
                                ii)  if we agree to start legal proceedings and it becomes mandatory for a Person Insured to be
                                   represented by a lawyer or if there is a conflict of interest a Person Insured can choose an
                                   Appointed Lawyer by sending us the suitably qualified person’s name and address.

                                   We may chose not to accept the choice of lawyer but only in exceptional circumstances. If there is
                                   a disagreement over the choice of Appointed Lawyer another suitably qualified person can be
                                   appointed to decide the matter.
                                   Before a Person Insured chooses a lawyer we can appoint an Appointed Lawyer

      96]]></page><page Index="123"><![CDATA[iii)  will appoint an Appointed Lawyer who will represent a Person Insured according to our standard
                                   terms of appointment. The Appointed Lawyer must co-operate fully with us at all times
                                iv)  will have direct contact with the Appointed Lawyer
                                v)  may decide to pay the Person Insured a reasonable sum of money in respect of the amount of
                                   damages that is being claimed against them instead of starting or continuing legal proceedings
                                vi)  if a Person Insured does not accept a reasonable offer to settle a claim we may refuse to pay any
                                   further Legal Expenses
                                vii)  if an Appointed Lawyer refuses to continue acting for a Person Insured with good reason or if a
                                   Person Insured dismisses an Appointed Lawyer without good reason will cancel this insurance at
                                   once unless we agree to appoint another Appointed Lawyer

                                viii) if a Person Insured settles a claim or withdraws their claim without our consent or does not give
                                   suitable instructions to the Appointed Lawyer we will cancel this insurance at once and we will be
                                   entitled to re-claim any Legal Expenses paid by us.
























































                                                                                                                  97]]></page><page Index="124"><![CDATA[Part N – Plant Inspection Contract







                                Section 1 – Special Definitions

                                Competent Person
                                The competent person is Zurich Management Services Limited who employ engineer surveyors, senior
                                engineers or other technical persons.

                                Contract Price
                                The amount payable for the Inspection Service stated in the schedule or as varied from time to time in
                                accordance with section 4 special condition 2 during the period of contract.

                                Inspection
                                An examination of Plant which:
                                a)  will if required by you be carried out in accordance with the requirements of any applicable
                                   statutory regulations and where applicable will be carried out in accordance with any written
                                   scheme of examination
                                b)  for Plant not requiring inspection in accordance with statutory regulations will be carried out as
                                   agreed between you and us.

                                Inspection Interval
                                The interval between Inspections as set out in statutory regulations and/or written schemes of
                                examination where applicable or any additional Inspections as stated in the schedule.

                                Inspection Service
                                An Inspection of Plant at Inspection Intervals and provision of a Report.

                                Normal Working Hours
                                Between 08.00 hours and 17.00 hours Monday to Friday except for public holidays.

                                Plant
                                The machinery and equipment stated in the schedule.

                                Report
                                A document in our standard format issued electronically and/or on paper that provides details of the
                                Plant inspected and the Inspection that was undertaken.


                                Site
                                The locations stated in the schedule.


                                Section 2 – Scope of the Inspection Service

                                We will provide you with the Inspection Service for Plant at the Site in accordance with the terms and
                                conditions of this contract during the period of contract.
                                Where you require that the Inspection Service is to be carried out in accordance with specific statutory
                                regulations the scope of the Inspection Service will in so far as is possible under the terms of this
                                contract be in accordance with the terms of those statutory regulations and any respective relevant
                                guidance or any relevant approved code of practice. The Report will identify the regulations and any
                                relevant guidance or any code of practice that apply.




      98]]></page><page Index="125"><![CDATA[Where the Inspection Service is carried out in accordance with any specific statutory regulation the
                                Competent Person will possess all necessary skills, experience and qualifications to the extent required
                                under the applicable statutory regulation.
                                Where you do not require that the Inspection Service is carried out in accordance with specific
                                statutory regulations or no such regulations apply the scope of the Inspection Service will in so far as is
                                possible under the terms of this contract be as instructed by you and agreed by us or in the absence of
                                such an instruction as specified by us.

                                The scope of the Inspection Service will be limited by the extent to which you have prepared the Plant
                                for Inspection. In this event the Report will fully describe the scope of the Inspection. In the event that
                                the Plant or part of the Plant cannot be located or is not made available by you for Inspection the
                                Report will indicate that the Plant or the relevant part of the Plant could not be inspected and will give
                                the reason for this.
                                The Report may bring to your attention other noticeable and obvious defects that fall outside the
                                scope of the Inspection although no obligation to do so exists. The impact of such other defects are to
                                be assessed by you and are your sole responsibility.

                                The Inspection Service will not cover the preparation, operation, repair or maintenance of Plant.

                                Section 3 – Additional Services

                                We may negotiate with you and agree to provide additional services. You acknowledge that unless
                                otherwise agreed in this manner additional services will not be included in the scope of the Inspection
                                Service. Additional services include:
                                a)  the compilation and/or certification of written schemes of examination which may be a
                                   statutory requirement
                                b)  the witnessing or provision of ultrasonic, radiographic or other non-destructive tests or other tests
                                   of a non-routine character or any proof of load stability, anchorage or similar test
                                c)  the assessment of Plant design and construction to verify compliance with applicable design or
                                   construction codes or European Directives
                                d)  the assessment of the suitability of Plant for its intended use in the particular environment within
                                   which it is operated
                                e)  the assessment of the suitability of proposed repair or modification to Plant and the carrying
                                   out of any additional Inspection of the Plant required during and/or on completion of such repair
                                   or modification
                                f)  the assessment of any Plant which is in a non-standard operating condition

                                g)  the postponement of Inspection of Plant according to specific regulations that allow this.

                                Section 4 – Special Conditions


                                1.  Cancellation
                                We may cancel this contract by giving 30 days written notice by special delivery mail to you at any
                                time throughout the duration of this contract without further obligation subject to any accrued rights
                                and the payment of the Contract Price for Inspection Services which have already been performed to
                                the effective date of termination.
                                We or you will have the right at any time by giving written notice by special delivery mail to the other
                                to immediately terminate this contract on or after the happening of any of the following events:
                                                                                                                  99]]></page><page Index="126"><![CDATA[a)  where the other has committed a material breach of the terms of this contract which is incapable
                                   of remedy
                                b)  where the other has committed a material breach of the terms of this contract which is capable of
                                   remedy and fails to remedy such breach within 30 days after receipt of a written notice by the
                                   other party giving full particulars of the breach and requiring it to be remedied
                                c)  where the other is unable to pay its debts as and when they fall due within the meaning of Section
                                   123 of the Insolvency Act 1986
                                d)  where an order is made or a petition is presented or an effective resolution is passed for
                                   the winding-up of the other party otherwise than for the purpose of a solvent amalgamation
                                   or reconstruction
                                e)  where the other convenes a meeting or proposes or enters into any arrangement or composition
                                   with its creditors

                                f)  where an event of force majeure delays a scheduled Inspection for more than 30 days.

                                2.  Contract Price
                                You agree that we will adjust the Contract Price at the end of the period of contract to take
                                into account:
                                a)  any Plant added to or deleted from the schedule

                                b)  any changes to the Inspection Interval.

                                3.  Force Majeure
                                We will not be liable for any delay or for the consequences of any delay in performing our obligations
                                under this contract if such delay is due to any cause beyond our reasonable control and will be entitled
                                to a reasonable extension of time for performance of such obligations.


                                4.  Liability of you and us
                                a)  We have and accept no responsibility for damage sustained by the Plant as a result of the failure
                                   of the Plant to withstand a test applied as part of the Inspection Service.
                                b)  Subject to condition 4a) we will indemnify you and keep you indemnified against any loss of or
                                   damage to any property or injury to or death of any person caused by any negligent act or
                                   omission or breach of this contract by us, our employees, agents or subcontractors.
                                c)  You will indemnify us and keep us indemnified against any loss or damage to any property or
                                   injury to or death of any person caused by any negligent act or omission or breach of this contract
                                   by you, your employees, agents or subcontractors.
                                d)  Except in respect of injury to or death of any person or any other liability which cannot be limited
                                   or excluded by law the respective liability of you and us under conditions 4b) and 4c) in respect of
                                   each event or series of connected events or in the aggregate will not exceed £10,000,000 during
                                   the period of contract.
                                e)  Notwithstanding anything else contained in this contract neither you nor we will be liable to the
                                   other party for loss of profits or contracts, loss of goodwill or other special, indirect or
                                   consequential loss howsoever arising.








      100]]></page><page Index="127"><![CDATA[5.  Long Term Undertaking
                                In consideration of a discount being incorporated in the Contract Price you undertake to offer annually
                                the Inspection Service under this contract on the terms and conditions in force at the expiry of each
                                period of contract and to pay the Contract Price in advance it being understood that:
                                a)  we will be under no obligation to accept an offer made in accordance with this undertaking
                                b)  the Contract Price will be amended at each renewal date in line with the change in the Average
                                   Earnings Index for Whole Economy Excluding Bonuses during the period of 12 months which
                                   expires 3 months prior to the month of renewal.
                                Payment of the Contract Price or renewal Contract Price will be deemed acceptance by you of
                                this condition.

                                6.  Obligations of the Parties
                                a)  Ours

                                We will:
                                i)  provide the Inspection Service within Normal Working Hours unless otherwise agreed
                                ii)  use reasonable endeavours to make arrangements with you in order to carry out Inspections
                                   of the Plant
                                iii)  produce the Report within 14 days following completion of an Inspection of the Plant other than in
                                   circumstances where an item is judged to give rise to immediate danger. In this event an on site
                                   Report will be issued prior to leaving the Site

                                iv)  notify you in writing within 14 days of an abortive attempt to arrange an Inspection
                                v)  comply with your safe systems of work as notified by you. We reserve the right not to carry out
                                   an Inspection if in our opinion to do so would pose an unacceptable risk to the health, safety or
                                   welfare of any person.
                                b)  Yours

                                You:
                                i)  may be required to pay an additional charge to us where:

                                   1)  Inspections are carried outside Normal Working Hours at your request
                                   2)  you require that our representatives are required to undertake training specific to your own
                                      health, safety and welfare procedures

                                   3)  we were unable to carry out an Inspection of the Plant at an agreed time through no fault of
                                      our own and a further appointment is necessitated

                                   4)  we are required to re-examine any Plant
                                   5)  you request an agreement with us to postpone an Inspection
                                   6)  you request duplicate copies of Reports

                                ii)  will ensure that all Plant that requires Inspection is included in the schedule. In the event of any
                                   errors or omissions in the schedule you will notify us in writing without delay

                                iii)  will notify us if any Plant is being operated outside the scope of usual operating conditions to
                                   ensure that we provide the appropriate service




                                                                                                                 101]]></page><page Index="128"><![CDATA[iv)  will use reasonable endeavours to comply with any arrangements proposed by us in order to carry
                                   out Inspections at the Inspection Interval
                                v)  will at your own expense have the Plant properly cleaned and prepared for Inspection and will
                                   make available any ancillary testing equipment

                                vi)  will be responsible for the reassembly of the Plant after Inspection
                                vii)  will make available your staff, premises, facilities and access equipment as we may reasonably
                                   request to enable us to perform the Inspection Service. In particular where the operation of Plant is
                                   required for the purposes of an Inspection you will make available a skilled and qualified operator

                                viii) will promptly provide us with such information and documents as we may reasonably request for
                                   the proper performance of the Inspection Service. You will retain sole responsibility for the
                                   operation of the Plant
                                ix)  will provide us with safe access to the Site and a safe working environment on the Site
                                x)  will provide us with full information concerning any modification to the Plant that has been made
                                   since the last Inspection before the beginning of each Inspection
                                xi)  will where applicable under any relevant statutory regulations monitor Inspection Intervals and
                                   ensure that we are notified in advance of the Inspection dates required by the regulations. Where
                                   Inspection of any Plant has not taken place by the end of the Inspection Interval as stated in the
                                   latest Report you will take the item out of service unless any alternative measure is agreed by us in
                                   compliance with the relevant regulations.













































      102]]></page><page Index="129"><![CDATA[Part O – Plant Protection







                                Section 1 – Special Definitions

                                Boiler and Pressure Plant
                                Those parts of the permanent structure including fittings and direct attachments of Plant subject to
                                steam or other fluid pressure excluding except where specifically stated in the schedule:
                                a)  superheaters or economisers
                                b)  interconnecting piping or anything attached to such piping

                                c)  ancillary electrical and mechanical plant
                                d)  foundations, masonry, brickwork and chimneys.

                                Breakdown
                                a)  The breaking, distortion or burning out of any part of an item of Plant while in ordinary use arising
                                   from either mechanical or electrical defect in the item causing its sudden stoppage including any
                                   resultant loss of cooling, lubricating or insulating oil or refrigerant or brine
                                b)  the fracturing of any part of Plant by frost when such fracture renders such Plant inoperative

                                c)  the complete severance of a rope forming part of Plant designed for lifting but not breakage or
                                   abrasion of individual wires or strands even if this necessitates replacement of such rope.

                                Collapse
                                The sudden and dangerous distortion whether or not attended by rupture of any item of Boiler and
                                Pressure Plant caused by crushing stresses by force of steam or other fluid pressure other than pressure
                                of ignited flue gases.

                                Damage
                                Sudden and unforeseen damage.

                                Electrical and Mechanical Plant
                                All integral parts of Plant including the individual switchgear for a motor and the wiring between the
                                motor and its switchgear or between a generator and switchboard excluding foundations, masonry
                                or brickwork.

                                Explosion
                                The sudden and violent rending of any item of Boiler and Pressure Plant by force of internal steam or
                                other fluid pressure (other than pressure of chemical action or of ignition of the contents or of ignited
                                flue gases) causing bodily displacement of any part of such Plant together with forcible ejection of
                                the contents.

                                Lifting and Handling Plant
                                a)  In respect of Plant comprising lifts, platform hoists and lifting tables all integral parts up to and
                                   including main circuit breakers or control valves excluding any supporting structure or foundations,
                                   masonry or brickwork
                                b)  in respect of cranes and other lifting Plant:
                                   i)  all parts commencing in the case of a fixed unit at the point or points of anchorage and in the
                                      case of a travelling unit at and including the track wheels and terminating in the case of any
                                      unit at the hook, shackle or other connection to the burden rope or chain by which the load or
                                      appliance is attached; and


                                                                                                                 103]]></page><page Index="130"><![CDATA[ii)  all electrical equipment by which such Plant is driven commencing at the intake switch or plug
                                      or other connection on such Plant
                                excluding except where specifically stated in the schedule fixing bolts or appliances or the track upon
                                which such Plant works.


                                Own Surrounding Property
                                Property belonging to you or in your custody or control other than:

                                a)  any part of Plant causing the Damage or any machinery or apparatus directly driving or driven by
                                   such Plant

                                b)  property being lifted, conveyed, handled, heated, cooled, processed by or contained in Plant.
                                Plant
                                Machinery and equipment stated in the schedule the subject of a concurrent plant inspection contract
                                with Zurich Management Services Limited and kept at the Site.

                                Site
                                The locations stated in the schedule.


                                Storage Tank
                                Any permanently installed enclosed receptacle used for storage of fuel oil including supply and delivery
                                piping excluding:
                                a)  flexible piping
                                b)  pipes buried in the ground or in concrete, masonry or brickwork

                                c)  any supporting structure or foundation.

                                Section 2 – The Cover

                                In the event of Damage occurring during the period of insurance we will pay you the value of the
                                property insured at the time of its Damage or the cost of repair of the Damage or at our option
                                indemnify you by reinstatement, replacement or repair provided always that our liability will not
                                exceed the amount stated in the schedule as the limit of indemnity in respect of all claims arising out
                                of any one occurrence or arising out of all occurrences of a series consequent upon or attributable to
                                one original cause.
                                The cover provided is determined by cover code as defined below and stated in the schedule against
                                the item or type of Plant to which it applies.

                                Cover Code AD – Extraneous Damage
                                Damage to Plant which necessitates immediate repair or replacement to enable normal working to
                                continue excluding Damage caused by Breakdown, Explosion or Collapse.

                                Cover Code BD – Breakdown
                                Damage to any item of Plant caused by its own Breakdown.

                                Cover Code EX – Explosion and Collapse
                                Damage to any item of Boiler and Pressure Plant caused by its own Explosion or Collapse.





      104]]></page><page Index="131"><![CDATA[Cover Code LG – Lifted Goods
                                Damage to property belonging to you or in your custody or control occurring while such property is
                                being handled or lifted by an item of Plant and arising out of its use provided always that any appliance
                                for attaching the load to such Plant complies with any statutory obligations concerning its examination
                                and certification.

                                Cover Code RI – Reinstatement
                                In the event of Damage to Plant for which a claim is admitted by us the basis upon which the amount
                                payable is to be calculated will be reinstatement subject to the supplementary conditions stated in
                                clause 2.6.

                                Cover Code ST – Storage Tank Contents
                                a)  Loss of contents of any Storage Tank
                                b)  the cost of removing any escaped liquid following such loss

                                as a result of Damage to a Storage Tank for which liability has been admitted by us excluding loss
                                caused by evaporation, seepage or normal trade loss.

                                Cover Code SUD – Sudden and Unforeseen Damage
                                Damage to Plant which necessitates immediate repair or replacement to enable normal working to
                                continue including Damage caused by Breakdown, Explosion and Collapse.

                                2.1   Capital Additions
                                This part includes additional Plant which is installed and ready for use at the Site and falling within the
                                description of Plant types already insured under this part.
                                Provided always that:
                                a)  you will supply to us details of additional Plant as soon as reasonably practicable but not later than
                                   12 months after the cover has applied and pay the additional premium required on the basis
                                   agreed between you and us from the date of installation

                                b)  such Plant is free from material defects known to you and complies with any statutory obligation
                                   concerning its examination and certification

                                c)  we are entitled to withdraw cover if such Plant is found to be unsatisfactory for insurance following
                                   inspection by us.

                                2.2   Debris Removal
                                This part includes reasonable costs and expenses necessarily incurred with our consent in:
                                a)  removing debris of

                                b)  dismantling and/or demolishing
                                c)  shoring up or propping
                                property following insured Damage.

                                We will not pay for any costs or expenses:
                                i)  incurred in removing debris except from the site of such property suffering Damage and the area
                                   immediately adjacent to such site
                                ii)  arising from pollution or contamination of property not insured by this part.



                                                                                                                 105]]></page><page Index="132"><![CDATA[2.3   European Union and Local Authority Requirements (including Undamaged Property)
                                Subject to the following supplementary conditions this part includes the additional cost of
                                reinstatement incurred solely by reason of the necessity to comply with the stipulations of:

                                a)  European Union legislation
                                b)  building or other regulations under or framed in pursuance of any Act of Parliament or bye-law of
                                   any public authority

                                hereinafter referred to as the ‘Stipulations’ in respect of Damage to the property insured and
                                undamaged portions thereof.

                                We will not pay for:
                                i)  the cost of complying with the Stipulations:

                                   1)  in respect of Damage not insured under this part
                                   2)  under which notice has been served upon you prior to the happening of Damage
                                   3)  for which there is an existing requirement which has to be implemented within a given period
                                ii)  the additional cost that would have been required to make good the property suffering Damage
                                   to a condition equal to its condition when new had the necessity to comply with the Stipulations
                                   not arisen
                                iii)  the amount of any charge or assessment arising out of capital appreciation which may be payable
                                   in respect of the property or by its owner by reason of compliance with the Stipulations.
                                Supplementary Conditions
                                1.  The work of reinstatement must be commenced and carried out without delay and in any case
                                   must be completed within 12 months of the Damage or within such further time as we may allow
                                   during the said 12 months and may be carried out upon another site if the Stipulations so
                                   necessitate subject to our liability not being increased.
                                2.  If our liability under this part apart from this clause is reduced by the application of any of the terms
                                   and conditions of this part then our liability under this clause will be reduced in like proportion.

                                2.4   Expediting Expenses
                                This part includes reasonable costs and expenses necessarily incurred with our consent in effecting
                                temporary repair and of expediting permanent repair including overtime working and the use of rapid
                                transport provided always that the cost does not exceed £5,000.

                                2.5   Own Surrounding Property
                                This part includes Damage to Own Surrounding Property directly resulting from insured Damage to
                                Plant or in the case of Lifting and Handling Plant caused by impact through the normal operation of
                                Plant even though such Plant does not itself suffer Damage excluding Damage to Own Surrounding
                                Property caused by leakage from Plant provided always that the cost does not exceed the limit of
                                indemnity stated in the schedule.

                                2.6   Reinstatement Basis
                                Subject to the following supplementary conditions the basis upon which the amount payable in respect of
                                Plant not more than 2 years old and Own Surrounding Property is to be calculated will be reinstatement.







      106]]></page><page Index="133"><![CDATA[Supplementary Conditions
                                1.  Our liability for the repair of partially damaged property will not exceed the amount which would
                                   have been payable had such property been wholly destroyed.
                                2.  No payment beyond the amount which would have been payable in the absence of this clause will
                                   be made:
                                   a)  unless reinstatement commences and proceeds without unreasonable delay

                                   b)  until the cost of reinstatement has been incurred
                                   c)  if the property insured at the time of its Damage is insured by any other insurance effected by
                                      or on your behalf which is not on the same basis of reinstatement.
                                3.  All the terms and conditions of this part will apply:
                                   a)  in respect of any claim payable under the provisions of this clause except in so far as they are
                                      varied hereby
                                   b)  where claims are payable as if this clause had not been incorporated.

                                2.7   Temporary Removal
                                This part includes Damage to Plant while temporarily removed to any other premises or working site
                                within the territorial limits and while in transit other than by sea or air to and from such premises or
                                working site.


                                Section 3 – Special Exclusions
                                This part does not cover:

                                1.  Consequential Loss
                                compensation for loss of use or consequential loss of whatsoever nature

                                2.  Corrosion and Erosion
                                the cost of rectifying or making good any form of corrosion or erosion howsoever arising but resulting
                                Damage is not excluded

                                3.  Excluded Parts
                                Damage to:
                                a)  glass or non-metallic parts

                                b)  any device for safety or protection when it operates for that purpose
                                c)  bulbs, thermionic valves, electric heating elements, photo electric cells, transistors, cathode ray and
                                   x-ray tubes and similar apparatus
                                d)  track rails, wear plates, cutting edges, crushing, grinding or hammering surfaces, cutting, shaping
                                   or drilling tools and the like
                                4.  Fire and Perils
                                Damage by fire howsoever caused, lightning, explosion other than Explosion where cover code SUD or
                                EX applies, aircraft or other aerial devices or articles dropped from them, riot, civil commotion, strikers,
                                locked-out workers, persons taking part in labour disturbances, malicious persons, theft or attempted
                                theft, earthquake, subsidence, ground heave, landslip, storm, flood, escape of water from any tank,
                                apparatus or pipe or impact by any vehicle or by goods falling from them or by any animal at the Site
                                or at any other premises or working site while temporarily removed
                                                                                                                 107]]></page><page Index="134"><![CDATA[5.  Inadequate Maintenance
                                Damage to any item of Plant caused by or arising from non-compliance by you with the maintenance
                                requirements specified by the Plant manufacturer or supplier

                                6.  Installation
                                Damage to any item of Plant during its installation, erection or dismantling

                                7.  Known Defects
                                Damage caused by any faults or defects known to you which existed at the time of commencement
                                of this part whether or not such faults or defects were known to us

                                8.   Modifications
                                Damage to any item of Plant caused by or arising from modifications to that item beyond the
                                specifications laid down by its manufacturer
                                9.  Multiple Lifts
                                Damage arising out of any raising or lowering operations in which a single load is shared between any
                                item of Lifting and Handling Plant and any other equipment unless such operation is carried out in
                                accordance with the British or European Code of Practice for the Safe Use of Cranes applying at the
                                time of loss

                                10  Newly Installed Plant
                                Damage to any item of Plant due to its own Breakdown, Explosion or Collapse:
                                a)  where it has not successfully completed its performance acceptance tests
                                b)  occurring within 28 days of its initial installation at the Site

                                11. Product Recall
                                Damage to any item of Plant caused by or arising from non-compliance by you with a recall notice
                                issued by the Plant manufacturer or supplier


                                12. Supplier’s Responsibility
                                Damage for which a manufacturer, supplier, contractor or repairer is responsible to the extent that you
                                are able to recover from such party either by law or under contract

                                13. Terrorism
                                loss, damage, consequential loss, cost or expense directly or indirectly caused by, contributed to by,
                                resulting from or arising out of or in connection with terrorism.
                                In any action or suit or other proceedings where we allege that by reason of this exclusion cover is not
                                provided under this part the burden of proving that cover is provided under this part will be upon you

                                14. Testing or Repair
                                Damage to any item of Plant:
                                a)  which at the time of its occurrence is undergoing a hydraulic test or any form of testing involving
                                   abnormal stresses or intentional overloading
                                b)  caused by the application of any tool or process in the course of its maintenance, inspection, repair,
                                   alteration, modification or overhaul





      108]]></page><page Index="135"><![CDATA[15. Wear and Tear
                                the cost of rectifying or making good wear and tear, scratching of painted or polished surfaces,
                                gradually developing defects, flaws, deformation, distortion, cracks or partial fractures, loose parts,
                                defective joints or seams but resulting Damage is not excluded.

                                Section 4 – Special Provisions


                                1.  Obsolete or Foreign Plant
                                In the event of a claim in respect of Plant which is obsolete or of foreign manufacture and for which
                                replacement parts cannot be supplied by the makers from stock our liability will be limited to the price
                                of corresponding parts of current Plant of similar size and type together with the estimated cost of
                                installing them.

                                2.  Subrogation Waiver
                                In the event of a claim we agree to waive any right, remedy or relief to which we might become
                                entitled by subrogation against:

                                a)  any company standing in the relation of parent to subsidiary or subsidiary to parent to you as
                                   defined in the Companies Act or Companies (N.I.) Order current at the time of the Damage

                                b)  any company which is a subsidiary of a parent company of which you are yourselves a subsidiary
                                   in each case within the meaning of the Companies Act or Companies (N.I.) Order current at the
                                   time of the Damage.

                                3.  Suspension of Cover
                                We reserve the right at any time to suspend the insurance on any Plant until our requirements for its
                                safe operation have been fulfilled.

                                Section 5 – Special Condition


                                1.  Access
                                You will afford reasonable facilities for our representatives to examine any Plant.






























                                                                                                                 109]]></page><page Index="136"><![CDATA[Part P – Deterioration of Stock








                                Section 1 – Special Definitions

                                Accident
                                a)  Rise or fall in temperature in the cold chambers of the Refrigeration Plant at the premises as a
                                   direct result of:
                                   i)  sudden and unforeseen damage to the Refrigeration Plant or non-operation of its controlling
                                      devices by any cause not otherwise excluded
                                   ii)  failure of the public supply of electricity at the terminal ends of the supplier’s service feeders at
                                      the premises
                                   iii)  failure of the electrical installation connecting the Refrigeration Plant to the supplier’s
                                      service feeders

                                b)  action of refrigerant fumes escaping from the Refrigeration Plant.

                                Refrigeration Plant
                                Refrigerators and freezers advised to us.


                                Replacement Value
                                The cost of replacing the Stored Goods including the cost of any processing and packaging undertaken
                                by you.

                                Stored Goods
                                Chilled or frozen foods contained in the Refrigeration Plant or elsewhere at the premises and which
                                would have been contained in the Refrigeration Plant but for an Accident.

                                Section 2 – The Cover

                                In the event of deterioration, putrefaction or contamination of Stored Goods caused by an Accident we
                                will indemnify you in respect of:
                                a)  their Replacement Value less any amount received by you from their sale
                                b)  reasonable additional expenditure necessarily incurred for the sole purpose of avoiding or
                                   diminishing the reduction in their value which but for such additional expenditure would have
                                   taken place but not exceeding the amount of the reduction avoided

                                less any sum saved in respect of any costs or expenses which may cease or are reduced in consequence
                                of the Accident.

                                Our liability will not exceed in respect of any one item of Refrigeration Plant the sum insured stated in
                                the schedule.

                                2.1   Additional Costs
                                We will also indemnify you in respect of reasonable costs and expenses necessarily incurred by you
                                with our consent for:
                                a)  obtaining a condemnation certificate issued by an environmental health officer as proof of loss in
                                   respect of any valid claim

                                b)  the disposal of Stored Goods for which a condemnation certificate has been issued as a result of an
                                   Accident for which we have admitted liability

                                c)  the cleaning or decontamination of the Refrigeration Plant following an Accident for which we
                                   have admitted liability.
      110]]></page><page Index="137"><![CDATA[2.2   Automatic Reinstatement of Sum Insured
                                In the absence of written notice by us or you to the contrary this insurance will not be reduced by the
                                amount of any loss in consideration of which you will pay the appropriate additional premium on the
                                amount of the loss from the date thereof to the expiry of the period of insurance.

                                Section 3 – Special Exclusions

                                This part does not cover:

                                1.  Consequential Loss
                                consequential loss of whatsoever nature

                                2.  Fire Perils
                                loss in consequence of fire howsoever caused, lightning, explosion, aircraft or other aerial devices or
                                articles dropped from them, riot, civil commotion, strikers, locked-out workers, persons taking part in
                                labour disturbances, malicious persons, theft or attempted theft, earthquake, subsidence, ground
                                heave, landslip, storm, flood, escape of water from any tank, apparatus or pipe or impact by any
                                vehicle or by goods falling from them or by any animal

                                3.  Terrorism
                                loss, damage, consequential loss, cost or expense directly or indirectly caused by, contributed to by,
                                resulting from or arising out of or in connection with terrorism.
                                In any action or suit or other proceedings where we allege that by reason of this special exclusion
                                cover is not provided under this part the burden of proving that cover is provided under this part will
                                be upon you.

                                4.  Utilities
                                loss in consequence of a failure of the supply of electricity directly or indirectly due to:
                                a)  a deliberate act of the supplier not performed for the sole purpose of safeguarding life or
                                   protecting any part of the supply system
                                b)  a scheme of rationing not necessitated by damage to the supplier’s generating or supply equipment

                                c)  the inability of the supplier to maintain the supply system due to industrial action by any of
                                   its employees.


                                Section 4 – Special Provision

                                1.  Subrogation Waiver
                                In the event of a claim we agree to waive any right, remedy or relief to which we might become
                                entitled by subrogation against:

                                a)  any company standing in the relation of parent to subsidiary or subsidiary to parent to you as
                                   defined in the Companies Act or Companies (N.I.) Order current at the time of the Accident

                                b)  any company which is a subsidiary of a parent company of which you are yourselves a subsidiary
                                   in each case within the meaning of the Companies Act or Companies (N.I.) Order current at the
                                   time of the Accident.






                                                                                                                 111]]></page><page Index="138"><![CDATA[2.  Underinsurance
                                If at the commencement of an Accident the sum insured at the premises where the Accident has
                                occurred is less than the total Replacement Value of the Stored Goods thereat you will be considered
                                as being your own insurer for the difference and the amount payable will be proportionately reduced.

                                Section 5 – Special Condition


                                1.  Access
                                You will afford reasonable facilities for our representatives to examine any Refrigeration Plant.


































































      112]]></page><page Index="139"><![CDATA[Part Q – Employee Dishonesty







                                Section 1 – Special Definitions

                                Person Insured
                                As stated in the schedule.

                                Systems of Selection and Control
                                a)  the systems of employee selection utilised to ensure the suitability of employees to hold positions
                                   of trust

                                b)  the systems of security, authorisation, checking, audit and similar procedures utilised for the
                                   purposes of preventing and identifying any act of fraud or dishonesty by any Person Insured

                                details of which have been supplied in a proposal to us.

                                Section 2 – The Cover

                                We will indemnify you in respect of loss of money or other property belonging to you or in your trust
                                or custody for which you are legally responsible occurring as a direct result of any act of fraud or
                                dishonesty committed by any Person Insured acting alone or in collusion with others during the period
                                of insurance.
                                Provided always that such loss is discovered not more than 24 months following:
                                a)  the termination of the insurance relative to the Person Insured concerned in such loss
                                b)  the termination of employment with you of the Person Insured or the last of the respective Persons
                                   Insured if more than one was concerned with the fraud or dishonesty
                                c)  the termination of this part

                                whichever happens first.

                                2.1   Automatic Reinstatement of Limit of Indemnity
                                Upon discovery of a loss leading to a valid claim under this part the limit of indemnity will be reinstated
                                by the amount of such loss as subsequently ascertained.
                                Provided always that:

                                a)  the amount by which the limit of indemnity is reinstated will only apply to acts of fraud or
                                   dishonesty committed subsequent to the date of such reinstatement

                                b)  you will pay any additional premium required by us.

                                2.2   Bailiffs
                                Any person, partnership, firm or company or employee of any of them duly appointed or acting for
                                you under a contract for services as a bailiff for the recovery of sums due to you will be treated as an
                                employee and when so treated the words fraud and dishonesty will be held to include the bankruptcy,
                                insolvency or liquidation of the bailiff.













                                                                                                                 113]]></page><page Index="140"><![CDATA[Section 3 – Special Exclusions

                                This part does not cover:

                                1.  Application of Systems of Selection and Control
                                any loss arising out of any act of fraud or dishonesty committed by any Person Insured in respect of whom
                                the Systems of Selection and Control have not been properly applied or applied at all and this exclusion will
                                be a bar to any claim involving such a Person Insured acting in collusion with another or others even though
                                the Systems of Selection and Control have been properly applied to such other person.

                                This exclusion will not be a bar to any claim if you can demonstrate that proper application of the
                                Systems of Selection and Control would not have revealed any reason why the Person Insured should
                                not have been appointed to the position of trust held at the time of fraud or dishonesty

                                2.  Consequential Loss
                                any loss of interest or consequential loss of any kind

                                3.  Exercise of Systems of Selection and Control
                                any loss arising out of or contributed to by you failing to exercise properly the Systems of Selection and
                                Control other than as specifically referred to in 1. above

                                4.  Reasonable Grounds for Suspicion
                                any loss arising out of any act of fraud or dishonesty committed by any Person Insured after you or any
                                person acting on your behalf has become aware of or has reasonable grounds for suspicion of any act
                                of fraud, dishonesty or improper or irregular conduct on the part of that Person Insured and this
                                exclusion will also be a bar to any claim involving such a Person Insured acting in collusion with another
                                or others even though such other person may not have committed or have given reasonable grounds
                                for suspicion of any act of fraud or dishonesty or irregular conduct.


                                Section 4 – Special Provisions

                                1.  Our Rights
                                The commencement of criminal proceedings against any Person Insured alleged by you to have
                                committed any act of fraud or dishonesty will not be a condition precedent to your right to indemnity
                                under this part but in the event of us being required to indemnify we will be entitled to exercise in
                                your name but at our own expense and for our own benefit all your rights of action against the
                                Person Insured or their estate. This policy will be evidence of our leave so to do and you will provide
                                all such assistance as we may require in pursuit of the said rights.


                                2.  Limit of Indemnity
                                The limit of indemnity stated in the schedule is our monetary limit in respect of:

                                a)  any one loss irrespective of the number of Persons Insured involved
                                b)  the total of all losses discovered during any one period of insurance. Any losses discovered within
                                   the 24 month period allowed under section 2 c) will be treated as having been discovered during
                                   the final period of insurance
                                c)  our total liability during any number of periods of insurance and for any number of losses forming
                                   the basis of any one claim whether under this part or any similar policies issued in addition to them
                                   or in substitution for them.




      114]]></page><page Index="141"><![CDATA[Where more than one limit of indemnity appears in the schedule our monetary limit will be the higher
                                limit of indemnity relevant to the Persons Insured involved in the loss or losses.

                                2.  Reduction of Claim
                                Any money or the value of any property in your hands and belonging to or otherwise due to any
                                Person Insured whose fraud or dishonesty has given rise to a loss for which a claim is made under this
                                part and which may legally be retained by you will be deducted from any amount that would
                                otherwise be payable to you.


                                Section 5 – Optional Extension
                                Applicable only where stated in the schedule.

                                A   Auditors Fees
                                We will indemnify you in respect of costs and expenses incurred by you in investigating and proving
                                any act of fraud or dishonesty which results in a claim under this part provided always that our liability
                                under this extension will not exceed 10% of the amount otherwise payable in respect of such claim.






















































                                                                                                                 115]]></page><page Index="142"><![CDATA[Part R – Personal Accident







                                Section 1 – Special Definitions

                                Accident
                                a)  Violent, accidental, external and visible means
                                b)  unavoidable exposure to the elements.


                                Activities
                                As described in Section 9 and stated in the schedule.

                                Annual Earnings
                                a)  The gross basic annual wage or salary inclusive of emoluments, guaranteed overtime and local
                                   weightings from you of the Person Insured at the date of sustaining bodily injury

                                b)  the gross earnings from you of the Person Insured during the 12 months preceding the date of
                                   sustaining bodily injury

                                whichever is the greater.

                                Assault
                                a)  Violent or criminal assault

                                b)  attack by animals
                                c)  explosion or whilst searching for explosives.

                                Loss of Limb
                                Total loss by physical separation at or above the wrist or ankle or permanent loss of use of an entire
                                hand, arm, foot or leg.

                                Loss of Sight
                                Permanent and total loss of sight:
                                a)  in both eyes if name entered on the register of blind persons on the authority of a fully qualified
                                   ophthalmic specialist
                                b)  in one eye if the degree of sight remaining after correction is 3/60 or less on Snellen Scale.

                                Person Insured
                                As described in Section 8 and stated in the schedule.

                                Usual Occupation
                                The occupation or profession of the Person Insured as stated in your records at the time of the
                                bodily injury.

                                Weekly Earnings
                                The gross average weekly earnings from you of the Person Insured during the 52 weeks preceding the
                                date of sustaining bodily injury.











      116]]></page><page Index="143"><![CDATA[Section 2 – Accident

                                The Cover
                                In the event of any Person Insured whilst engaged in the Activities sustaining bodily injury by Accident
                                other than Assault during the period of insurance as a result of which death or disablement occurs
                                independently and exclusively of any other cause within 24 months of sustaining such injury we will
                                pay to you such of the amounts payable under Section 6 as are applicable.
                                In the event of the disappearance of any Person Insured and where we agree after a suitable time has
                                elapsed that it is reasonable to assume that such Person Insured has died as the sole and direct result
                                of sustaining bodily injury by Accident other than Assault whilst engaged in the Activities we will pay
                                the appropriate amount payable in respect of death to you subject to a signed undertaking from an
                                authorised person that if the assumption of death is subsequently found to be wrong the amount paid
                                in settlement will be refunded.
                                We will also provide indemnity in respect of damage to personal effects consisting of money, articles
                                of clothing, footwear and other property worn or carried by the Person Insured when such damage
                                arises as a result of the Person Insured sustaining bodily injury for which we are liable to pay
                                compensation under this section provided always that we will not pay more than the sum of £5,000
                                in respect of damage to personal effects of any one Person Insured.

                                Section 3 – Assault

                                The Cover
                                In the event of any Person Insured whilst engaged in the Activities sustaining bodily injury by Assault
                                during the period of insurance as a result of which death or disablement occurs independently and
                                exclusively of any other cause within 24 months of sustaining such injury we will pay to you such of
                                the amounts payable under Section 6 as are applicable.
                                In the event of the disappearance of any Person Insured and where we agree after a suitable time has
                                elapsed that it is reasonable to assume that such Person Insured has died as the sole and direct result
                                of sustaining bodily injury by Assault whilst engaged in the Activities we will pay the appropriate
                                amount payable in respect of death to you subject to a signed undertaking from an authorised person
                                that if the assumption of death is subsequently found to be wrong the amount paid in settlement will
                                be refunded.
                                We will also provide indemnity in respect of damage to personal effects consisting of money, articles
                                of clothing, footwear and other property worn or carried by the Person Insured when such damage is
                                sustained as a result of Assault arising out of or in the course of the Activities during the period of
                                insurance provided always that we will not pay more than the sum of £5,000 in respect of damage to
                                personal effects of any one Person Insured.

                                Section 4 – Special Exclusions

                                This part does not cover bodily injury or provide indemnity for damage:

                                1.  Age Limits
                                in respect of any person who is not within the age limits specified in the schedule


                                2.  Excluded Activities
                                caused by the Person Insured racing other than on foot



                                                                                                                 117]]></page><page Index="144"><![CDATA[3.  Excluded Causes
                                caused by the Person Insured being intoxicated or using illegal drugs, committing or attempting suicide
                                or deliberately self-harming, participating in civil commotion or riot or deliberately exposing themselves
                                to unnecessary danger except in an attempt to save human life

                                4  Non-Passenger Air Travel
                                caused by air travel other than as a passenger in a licensed passenger carrying aircraft


                                5  Terrorism
                                directly or indirectly arising out of, contributed to by or resulting from actual, threatened, feared or
                                perceived use of biological, chemical, radioactive or nuclear agent, material, device or weapon.

                                Section 5 – Special Conditions


                                1.  Claims Procedures
                                In the event of any incident giving or likely to give rise to a claim under this part you will as soon as
                                possible and at your own expense:
                                a)  inform us in writing

                                b)  furnish such information as we may require and render all assistance as may be requested
                                c)  supply all necessary certificates including evidence of death or injury with a report from a qualified
                                   medical practitioner if required.
                                In the case of injury our medical representative will be allowed to visit and examine the Person Insured
                                at all reasonable times and if such visit or examination is not permitted the insurance will be void in
                                respect of that injury.

                                2.  Death Benefit Limitation
                                The amount payable in respect of death for persons:
                                a)  under 18 years of age, and
                                b)  who are still in full-time education

                                at the date of sustaining bodily injury is limited to £7,500.

                                3.  Incident Limit
                                If the aggregate amount payable under this part in respect of any one incident exceeds the sum of
                                £2,000,000 the amount payable for each Person Insured will be proportionately reduced until the total
                                is equal to the sum of £2,000,000.


                                4.  Participation in Certain Activities
                                It will be a condition precedent to our liability that in respect of:

                                a)  any hazardous activity or any pursuit requiring special skills the Person Insured has achieved a
                                   reasonable standard of proficiency in the said activity or pursuit or is under the direct supervision
                                   of a person suitably qualified
                                b)  yachting and canoeing life jackets or buoyancy aids are worn by the Person Insured and for other
                                   sailing except in rowing boats life-saving equipment is carried on the vessel.

                                5.  Single Person Limit
                                The amount payable in respect of any one Person Insured will not exceed £500,000.

      118]]></page><page Index="145"><![CDATA[Section 6 – Scale of Compensation


                                   Item                                             Amount Payable

                                                                               The following percentage of the
                                                                              capital sum stated in the schedule

                                   1.  Death, Loss of Limb or Loss of Sight             100%
                                   2.  Permanent total disablement other than as stated
                                      in Item 1. from engaging in or giving attention to
                                      Usual Occupation                                  100%
                                   3.  Permanent partial disablement not otherwise
                                      provided for above:
                                      a)  total loss of hearing                          60%

                                      b)  total loss of hearing in one ear               15%
                                      c)  complete loss of use of hip or knee or ankle   20%
                                      d)  removal of the lower jaw by surgical operation

                                      e)  fractured leg or foot with established non-union   25%
                                      f)  fractured knee cap with established non-union   20%
                                      g)  shortening of a leg by at least 3 centimetres   15%

                                      h)  loss by amputation or complete loss of use of:   Right      Left
                                         i)  one thumb                            20%          17½%
                                         ii)  one index finger                    15%          12½%

                                         iii)  any other finger                   10%          7½%
                                         iv)  one big toe                         10%          10%
                                         v)  any other toe                        3%            3%

                                      i)  complete loss of use of shoulder or elbow   25%      20%
                                      j)  complete loss of use of wrist           20%          15%
                                   4.  Permanent facial disfigurement to an extent of
                                      not less than 5 square centimetres of scar tissue
                                      in the area from the hairline to and including the
                                      lower jaw and ears                                 10%

                                   5.  In respect of loss of or damage to teeth or dentures
                                      the cost of dental treatment or repair or replacement
                                      of dentures up to a maximum of                     2½%
                                   6.  Temporary total or partial disablement from
                                      engaging in or giving attention to Usual
                                      Occupation for a maximum period of 104 weeks
                                      from date of disablement                    A weekly sum as stated
                                                                                     in the schedule



                                                                                                                 119]]></page><page Index="146"><![CDATA[Provisions to the Scale of Compensation
                                1.  Applicable to Item 2
                                If after expiry of 52 weeks of consecutive disablement the Person Insured is still totally disabled from
                                engaging in or giving attention to Usual Occupation but the medical evidence is such that it cannot
                                be said that disablement is permanent and total then payments will be made for as long as total
                                disablement continues for a period not exceeding 10 years. Payments will be at an annual rate of 10%
                                of the benefit provided under Item 2. and will be made by half yearly instalments in arrears. The first
                                payment will be made 18 months after commencement of disablement in respect of the first 18
                                months of disablement.


                                2.  Applicable to Item 3
                                a)  In the case of other permanent partial disablement not specified in Item 3. the amount payable
                                   will be such percentage of the capital sum set out in the schedule as is commensurate with the
                                   degree of permanent partial disablement when compared with the degrees of disablement
                                   specified in Item 3.
                                b)  The benefits under h), i) and j) will be reversed in the case of a left-handed person.

                                3.  Applicable to Item 6
                                a)  Unless otherwise agreed by us weekly compensation will not become payable until the total
                                   amount due has been ascertained.

                                b)  Weekly sums whether payable for total or partial disablement will not be payable for more than
                                   104 weeks in respect of the same incident.

                                4.  Maximum Amount to any Person Insured
                                The total amount payable under Items 1. to 5. for all bodily injury sustained in any one period of
                                insurance by any one Person Insured will not exceed the capital sum stated in the schedule.


                                Section 7 – Special Extensions

                                Applicable only where stated in the schedule.

                                A.  Payment of Benefit
                                We will pay any compensation under this part to you for the benefit of the Person Insured or in the
                                event of death their personal representatives.

                                B.  Assault – 24 hour cover
                                Section 3 is operative in respect of Assault occurring at any time during the period of insurance
                                provided that it is shown to our satisfaction that such Assault arises solely because of the Person
                                Insured’s position with you.

                                C.  Personal Effects
                                We will provide indemnity in respect of damage to personal effects consisting of money, articles of
                                clothing, footwear and other property worn or carried by the Person Insured while engaged in the
                                Activities even though compensation is not otherwise payable under this part subject to the limit of
                                indemnity any one Person Insured stated in the schedule.








      120]]></page><page Index="147"><![CDATA[Section 8 – Persons Insured

                                Applicable only where stated in the schedule.
                                A.  Employees other than police community support officers
                                B.  Constables other than special constables,

                                C.  Special constables
                                D.  Police community support officers

                                E.  Specialist official search or rescue personnel
                                F.  Police cadets appointed for your police area
                                G.  Volunteers other than Specialist official search or rescue personnel
                                H.  Members

                                K.  Persons specifically described in the schedule

                                Section 9 – Activities Code

                                Applicable only where stated in the schedule.

                                M.  Official duties in connection with the business including journeys directly connected therewith.
                                N.  Direct travel between private residence and place of duty.
                                P.  Service on behalf of or by appointment by you on committees of other authorities or bodies
                                   provided no other personal accident insurance applies in respect of such service.
                                R.  Voluntary assistance to you in connection with the business other than in respect of duties
                                   forming part of the Person Insured’s contract of service with you.
                                S.  Assistance provided to you in connection with the business in an attempt to save human life or an
                                   attempt to discover the whereabouts of a missing person including training for such work.
                                W.  Activities as stated in the schedule.






























                                                                                                                 121]]></page><page Index="148"><![CDATA[Part S – Business Travel







                                Section 1 – Special Definitions


                                Injury
                                Bodily injury, illness or disease (including death).

                                Journey
                                Journeys not exceeding 90 days in duration made in connection with the business commencing during
                                the period of insurance:

                                a)  from the time of leaving the normal place of residence or business until return to that place
                                b)  in respect of loss of deposits under section 2 from the time of booking the journey.

                                Person Insured
                                Any constable, employee or member and any member of their families accompanying them.

                                Section 2 – Cancellation and Other Expenses


                                The Cover
                                We will indemnify you and at your the request any Person Insured in respect of the following
                                expenses arising as a direct result of the cancellation, delay in commencement, curtailment
                                (proportionately only) or extension of the Journey by any fortuitous event outside your control or
                                that of the Person Insured and which are not recoverable from any other source subject to the limit
                                of indemnity stated in the schedule in respect of each Person Insured:
                                a)  loss of deposits and charges for which you or any Person Insured are legally responsible

                                b)  additional travel and accommodation costs necessarily and reasonably incurred.
                                Provided always that in the event of cancellation or interruption of public transport services by riot,
                                strike or civil commotion occurring at commencement or during the journey we reserve the right to
                                arrange alternative means of transport and route.
                                Any alternative transport by air must be approved by us.

                                2.1   Delayed Departure
                                In the event of delay in departure from or return to the United Kingdom as the direct result of strike,
                                industrial action, adverse weather conditions or mechanical breakdown of the aircraft or sea vessel in
                                which the Person Insured is booked we will pay to the Person Insured in addition to any other claim
                                under this section:
                                a)  £50 in respect of the first full 12 hours of delay; and
                                b)  £25 for each subsequent full 12 hours of delay

                                subject to a maximum of £150 in respect of each Person Insured.

                                2.2   Hijack and Kidnap
                                In the event of the Person Insured being kidnapped or the conveyance in which the Person Insured is
                                travelling being hijacked during the Journey we will pay to you £250 for each day that the Person
                                Insured is forcibly or illegally detained up to a maximum of £10,000 per Person Insured.






      122]]></page><page Index="149"><![CDATA[2.3   Travel Documents
                                If the Person Insured’s passport, visa, driving licence, green card, travel tickets or other essential travel
                                documents are lost after the commencement of the Journey we will pay in addition to any other claim
                                the reasonable additional costs of travel and accommodation necessarily incurred to allow the Person
                                Insured to replace them.

                                Provided always that:
                                a)  the maximum amount payable in respect of any one Person Insured will not exceed £500; and
                                b)  the loss of a passport will be reported to the consular representative of the issuing country as soon
                                   as reasonably possible.

                                Exclusions to Section 2
                                This section does not cover any expenses resulting directly or indirectly from:

                                1.   Acts of Service Providers
                                act, error, omission or default of any agent, firm or person undertaking to provide transport,
                                accommodation or other services to the Person Insured

                                2.  Government Regulations or Disinclination to Travel
                                government regulations, service with the armed forces, disinclination to travel or financial circumstances
                                other than redundancy where notice of redundancy is received after the Journey has been arranged

                                3.  Riot, Strike or Civil Commotion
                                riot, strike or other civil commotion existing or threatened prior to the completion of the arrangements
                                for the Journey.


                                Section 3 – Medical and Associated Expenses

                                The Cover
                                If during the Journey the Person Insured sustains accidental Injury we will reimburse up to the sum
                                insured stated in the schedule reasonable expenses necessarily incurred as a direct result of such
                                Injury for:

                                a)  medical, surgical, dental or other remedial treatment and hospital, nursing home and ambulance
                                   services incurred outside the territorial limits
                                b)  additional accommodation or travel arrangements for the Person Insured or any 2 relatives or
                                   friends travelling to or remaining with the Person Insured
                                c)  burial or cremation at the place of death other than while within the territorial limits including
                                   expenses incurred by parents or other near relative for return travel and board and lodging in
                                   attending the burial or cremation. Alternatively we will pay transportation costs incurred for the
                                   conveyance of the deceased to enable burial or cremation within the territorial limits
                                d)  sending a substitute employee or other appropriate person where a Person Insured becomes unable
                                   to fulfil the original purpose of the Journey including such expenses incurred in the event of curtailment
                                   of the Journey by any other fortuitous event outside your control or that of that Person Insured
                                Where any Person Insured is detained in hospital abroad and a valid claim arises under this section we
                                will pay the sum of £25 for each full 24 hours the Person Insured is so detained subject to a maximum
                                of £2,500.



                                                                                                                 123]]></page><page Index="150"><![CDATA[Exclusion to Section 3
                                This section does not cover:

                                1.  Dental or Optical Expenses
                                dental or optical expenses required in consequence of accidental injury or illness but this exclusion will
                                not apply to dental expense incurred for the relief of pain.

                                Section 4 – Personal Accident


                                The Cover
                                We will pay to the Person Insured or their legal representatives the benefits specified below as
                                compensation if any Person Insured during the Journey sustains bodily injury by violent, accidental,
                                external and visible means which solely and independently of any other cause within 24 months from
                                the date of bodily injury results in:

                                Benefits

                                   1.  a)  death of a Person Insured aged 16 years and over   capital sum

                                      b)  death of a Person Insured aged under 16 years   £7,500
                                   2.  total loss of use of or total loss by physical severance of one or
                                      more hands or feet or total loss of sight in one or both eyes   capital sum
                                   3.  permanent total and absolute disablement (other than in 2 above)
                                      from engaging in or giving attention to any profession or occupation   capital sum
                                   4.   temporary total disablement from engaging in or giving attention
                                      to any profession or occupation for a period not exceeding
                                      104 weeks from the date of disablement:
                                      a)  Persons Insured aged 16 years and over         weekly benefit

                                      b)  Persons Insured aged under 16 years            £10 per week
                                   5.   temporary partial disablement to a substantial extent from
                                      engaging in or giving attention to any profession or occupation
                                      for a period not exceeding 104 weeks from the date of disablement:

                                      a)  Persons Insured aged 16 years and over         50% of weekly benefit
                                      b)  Persons Insured aged under 16 years            £5 per week

                                   The capital sum and weekly benefit are stated in the schedule.
                                Provisions to Section 4

                                1.  Maximum Payment
                                We will not be liable to pay more than the capital sum in respect of all bodily injury sustained during
                                any one Journey by any one Person Insured.










      124]]></page><page Index="151"><![CDATA[2.  Payment of Benefit 3
                                If after expiry of 52 weeks of consecutive disablement the Person Insured is still totally disabled from
                                engaging in or giving attention to any profession or occupation but the medical evidence is such that it
                                cannot be said that disablement is permanent and total payments will be made for as long as total
                                disablement continues for a period not exceeding 10 years. Payments will be at an annual rate of 10%
                                of the capital sum and will be made by half yearly instalments in arrears. The first payment will be
                                made 18 months after commencement of disablement in respect of the first 18 months of disablement.


                                3.  Payment of Benefits 4 and 5
                                Unless otherwise agreed by us compensation under benefits 4 and 5 above will not become payable
                                until the total amount due has been ascertained.

                                Section 5 – Personal Effects and Money


                                The Cover
                                We will indemnify you and at your request any Person Insured in respect of damage to money and
                                personal luggage, personal clothing and effects taken, worn or carried on the Journey or such personal
                                baggage, personal clothing and other personal effects sent in advance subject to the following limits of
                                indemnity in respect of each Person Insured:
                                a)  any one article or pair or set of articles £250

                                b)  all money £400
                                c)  all property insured including under a) and b) above £1,500.
                                In addition in the event of the baggage of any Person Insured not arriving at the outward destination
                                within 12 hours of the Person Insured’s arrival we will reimburse the cost of purchase of essential items
                                of clothing or toiletry up to a maximum sum of £500.


                                Exclusions to Section 5
                                This section does not cover:

                                1.  Confiscation or Detention
                                damage occasioned by or in consequence of confiscation or detention by customs or other authorities

                                2.  Cracking and Scratching and Breakage of Sports Gear in Use
                                cracking, scratching or breakage of sports gear while in use or china, glass, earthenware and the like

                                3.  Depreciation, Wear and Tear, Process Risks, Atmospheric Conditions or Vermin
                                damage caused by or consisting of depreciation, wear and tear, gradual deterioration or any process
                                of cleaning, repairing or restoring or from atmospheric or climatic conditions, moth or vermin

                                4.  Excess
                                the first £25 of any claim for any Person Insured other than in respect of delayed baggage

                                5.  Loss not Reported to Police or Carriers
                                loss not reported to the:

                                a)  local police
                                b)  carriers when loss occurs in transit
                                within 48 hours of discovery

                                                                                                                 125]]></page><page Index="152"><![CDATA[6.  Money Shortages and Depreciation
                                in respect of money any shortages due to error or omission or for losses on exchange or due to
                                depreciation in value of currency

                                7.  Theft from Unattended Motor Vehicles
                                theft of property from an unattended vehicle unless:
                                a)  the property insured is concealed from view in a glove compartment or locked luggage
                                   compartment; and
                                b)  all doors are locked; and

                                c)  all windows and the roof are closed and fastened; and
                                d)  all security devices are put in full and effective operation; and
                                e)  all keys or any other removable ignition device of the vehicle are removed


                                Section 6 – Special Exclusions
                                This part does not cover any claim:


                                1.  Claims for those over 75
                                In respect of any Person Insured aged 75 years or over who has not provided satisfactory medical
                                evidence of fitness to travel to us before undertaking the Journey

                                2.  Excluded Activities
                                caused by the Person Insured engaging in any form of winter sports, rock climbing or mountaineering
                                ordinarily necessitating the use of picks, ropes or guides, pot-holing, caving, parachuting, parascending,
                                paragliding, hang-gliding, bungee jumping, scuba and skin diving, white water rafting, racing except
                                on foot, professional or organised sports or air travel other than as a passenger in a licensed passenger
                                carrying aircraft unless specifically agreed with us beforehand

                                3.  Excluded Causes
                                caused by the Person Insured being intoxicated or using illegal drugs, contracting a sexually transmitted
                                disease, committing or attempting suicide or deliberately self-harming, participating on civil commotion or
                                riot or deliberately exposing themselves to unnecessary danger except in an attempt to save human life
                                4.  Foreseeable Costs
                                of a nature which could reasonably have been foreseen by you or the Person Insured from
                                circumstances known or details available at the time of booking the Journey or before the Journey
                                is commenced

                                5.  HIV or AIDS
                                in respect of accidental injury, illness or disease (including death), loss or expense attributable to
                                Human Immunodeficiency Syndrome (HIV) or any HIV related illness including Acquired Immune
                                Deficiency Syndrome (AIDS) or any mutant derivative or variations thereof howsoever caused

                                6.  Manual Work
                                resulting from manual work of any kind engaged in during the Journey






      126]]></page><page Index="153"><![CDATA[7.  Pre-existing Conditions and Travelling against Medical Advice
                                a)  except under section 4 arising out of a medical condition which the Person Insured knew about at
                                   the time the Journey was booked or began unless the condition is normally stable, under control
                                   and has been without the need for in-patient or emergency medical care in the preceding 12 months
                                b)  arising out of travel arrangements made or undertaken against the advice of a medical practitioner

                                8.  Terrorism
                                directly or indirectly arising out of, contributed to by or resulting from actual, threatened, feared or
                                perceived use of biological, chemical, radioactive or nuclear agent, material, device or weapon


                                9.  Travel to Disturbed Areas
                                resulting from a Journey to countries and specific areas in countries where at the time of booking or
                                departure the Foreign and Commonwealth Office are advising against all travel or all non-essential
                                travel but this exclusion will not apply to loss of deposits and charges covered under section 2 where
                                the Foreign and Commonwealth Office publishes such advice after the time of booking the Journey.

                                Section 7 – Special Conditions


                                1.  Aggregate Benefits for Sections 3 and 4
                                In respect of sections 3 and 4 if the aggregate amount of benefit payable in respect of any one
                                incident exceeds the sum of £2,000,000 the benefit payable for each Person Insured will be
                                proportionally reduced until the total is equal to the sum of £2,000,000.
                                2.  Claims Procedure
                                In the case of injury our medical representative will be allowed to visit and examine the Person Insured
                                at all reasonable times and if such visit or examination is not permitted the insurance will be void in
                                respect of that injury.

                                3.  Notification to us of Potential Travelling Problems
                                If at the time the arrangements for the Journey are made any Person Insured is aware of any
                                circumstances likely to result in the Journey being delayed, cancelled or curtailed such circumstances
                                must be declared to us immediately.

                                4.  Participation in Certain Activities
                                If it has been agreed with us that cover will operate in respect of any activity stated in special
                                exclusion 1. it is a condition precedent to our liability that the person in charge has reached a
                                reasonable standard of proficiency in the activity in which the Person Insured is participating.

                                5.  Person Insured’s Responsibilities
                                The Persons Insured will:
                                a)  take all reasonable steps to prevent accident, loss, damage or expense and to recover property
                                   lost or stolen; and
                                b)  give immediate notice in writing to us of any event likely to give rise to a claim under this part and
                                   supply such further information and proofs in writing as we may reasonably require; and
                                c)  allow us at any time to take over and conduct in the name of the Person Insured the defence or
                                   settlement of any claim or to prosecute in the name of the Person Insured for our own benefit any
                                   claim for indemnity or damages or otherwise against any third party.



                                                                                                                 127]]></page><page Index="154"><![CDATA[6.  Use of Waterborne Craft
                                Where canoeing or sailing of any kind including the use of powered vessels is being undertaken it is a
                                condition precedent to our liability that:

                                a)  the person in charge has achieved a reasonable standard of sailing and navigational competence; and
                                b)  for yachting and canoeing life jackets or buoyancy aids are worn by all the Persons Insured
                                   participating and for other sailing except in rowing boats life saving equipment is carried in the vessel.


                                7.  Your Obligations
                                You will furnish such information as we may require and render all possible assistance in connection
                                with any claim under this part. You will supply such evidence of death or injury and the cause of such
                                death or injury including a report of a qualified medical practitioner as we may reasonably require and
                                all certificates, information and evidence required will be furnished at your expense.




























































      128]]></page><page Index="155"><![CDATA[Our Complaints Procedure







                                We value the opportunity to investigate any concerns you may have about any aspect of our service
                                and are committed to handling all complaints fairly, thoroughly and promptly.

                                Who to contact in the first instance

                                Many concerns can be resolved straight away therefore in the first instance please get in touch
                                with your usual contact as they will generally be able to provide you with an immediate response to
                                your satisfaction.
                                Contact details will be provided on correspondence that we or our representatives have sent you.

                                If we cannot resolve your complaint straight away we will aim to resolve your concerns as soon as
                                possible and we will keep you informed of progress while our enquiries are continuing.

                                The majority of complaints we receive are resolved within 4 weeks of receipt.

                                Next steps if you are not happy with the response provided

                                We are dedicated to our customers and seek to do what is right however sometimes we may not be
                                able to reach an agreement with you. If this is the case and you remain dissatisfied once you have
                                received our response to your complaint we will refer your complaint to our Customer Relations Team
                                for a separate review.
                                The Customer Relations Team will contact you to let you know they have received your complaint and
                                when their review is complete they will provide you with a final response on our behalf.

                                Complaints procedure applying to part M

                                We will always try to give you a quality service. If you think we have let you down we have internal
                                complaint handling procedures. A copy of these is available on request.

                                Please address all complaints to our Chief Executive Officer at our Head Office address.
                                Our Chief Executive Officer will direct the complaint to the head of the relevant department.


                                The Financial Ombudsman Service (FOS)
                                If we are unable to resolve your complaint to your satisfaction within 8 weeks or if you remain
                                dissatisfied following receipt of our final response letter you can ask the FOS to formally review your
                                case. You must contact the FOS within 6 months of our final response.

                                The FOS contact details are as follows:
                                Financial Ombudsman Service
                                South Quay Plaza
                                183 Marsh Wall
                                London
                                E14 9SR

                                You can telephone on 0845 080 1800 or e-mail complaint.info@financial-ombudsman.org.uk.
                                This is a free and impartial service and will not affect your legal rights.







                                                                                                                 129]]></page><page Index="156"><![CDATA[The FOS can help with most complaints if you are:
                                a)  a consumer

                                b)  a business employing fewer than 10 persons that has an annual turnover or balance sheet that
                                   does not exceed €2,000,000

                                c)  a charity with an annual turnover of less than £1,000,000
                                d)  a trustee of a trust with a net asset value of less than £1,000,000.
                                If you are unsure whether the FOS will look at your complaint please contact them directly for
                                further information.
                                You are entitled to contact the FOS at any stage of your complaint.


                                Financial Services Compensation Scheme (FSCS)
                                We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to
                                compensation should we be unable to meet our obligations. Further information is available on
                                www.fscs.org.uk or you may contact the FSCS on 020 7892 7300.
                                Following this complaints procedure does not affect your legal rights.


















































      130]]></page><page Index="157"><![CDATA[131]]></page><page Index="158"><![CDATA[132]]></page><page Index="159"><![CDATA[133]]></page><page Index="160"><![CDATA[Zurich Management Services Limited
            Registered in England and Wales no. 2741053.
            Registered Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ.
            Zurich Insurance plc is a public limited company incorporated in Ireland. Registration No. 13460.
            Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland.
            UK Branch registered in England and Wales Registration No. BR7985.
            UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ.
            Zurich Municipal
            Zurich Municipal is a trading name of Zurich Insurance plc.
            Authorised by the Irish Financial Regulator and subject to limited regulation by the Financial Services
      ZMCD19.02 POL1/A (700472002) (12/09) RRD  register by visiting their website www.fsa.gov.uk/register or by contacting them on 0845 606 1234.
            Authority. Details about the extent of our regulation by the Financial Services Authority are available
            from us on request. FSA registration number 203093. These details can be checked on the FSA’s
            Communications may be monitored or recorded to improve our service and for security
            and regulatory purposes.
            © Copyright – Zurich Insurance plc 2009. All rights reserved. Reproduction, adaptation,
            or translation without prior written permission is prohibited except as allowed under copyright laws.
            The pulp used in the manufacture of this paper is from renewable timber produced on a fully
            sustainable basis. The pulp used in the manufacture of this paper is bleached without the use of
            chlorine gas (ECF – Elemental Chlorine Free). The paper is suitable for recycling.]]></page></pages></Search>
