Insurance policy to cover all types of commercial properties, business types, accommodation letting and other specific requirement. As a commercial / let property owner protecting your investment with the right level of cover is vital for maintaining your portfolio. We have displayed a sample policy documentation below so you can see what could be covered.
Commercial Property Owner Certificate Wording
Please note that the following is a standard policy wording, please check your own policy documentation for confirmation of cover. Should you require clarification please contact us on 0114 250 5225
Landlords Fixtures and Fittings Insurance
Definitions
In this Certificate, words that are highlighted in bold have the following meanings:
Aerials
Satellite dishes, television or radio aerials, aerial fittings, aerial masts and plinths.
Asylum Seeker
Person who seeks the status of refugee in national or international law.
Buildings
The Premises and its domestic outBuildings, garages, greenhouses, terraces, patios, paths,
drives, footpaths, walls, fences, hedges, gates.
Contents
Household goods, furnishings and appliances for which You are responsible.
Damage
Accidental physical Damage to tangible property.
Deep Fat Frying
Any cooking using a fryer other than a domestic table top basket fryer.
Injury
Accidental death of, accidental physical bodily Injury, physical illness or physical disease to,
any third party.
Insurers / We /Our
Certain Underwriters at Lloyd’s.
Insured/You/Your
The person or people named in the Certificate Schedule.
Landlords Fixtures and Fittings
Fixtures and Fittings, interior decorations, and Aerials for which You are responsible and
Your Contents in any residential section of the Premises .
Loss
Accidental physical Loss
Money
Cash, bank and currency notes, cheques, postal orders, postage stamps, savings stamps and
saving certificates, premium bonds, luncheon vouchers, traveller’s cheques, phone cards,
season tickets, gift vouchers, securities, documents, promotion vouchers and air miles
vouchers.
Premises
The Insured Property as stated in the Certificate Schedule including any self-contained
residential accommodation forming part of the Buildings.
Renovation
Internal painting and decorating, tiling, replacement of bathroom and / or kitchen Fixtures
and Fittings including sinks, wash basin, w.c, bath and shower, carpeting, internal joinery,
plastering, installation/repair of central heating and external window replacement.
Unoccupied
The Premises is Unoccupied when it has not been occupied for its intended use for 30
consecutive days or more.
Buildings Insurance
Subject to any Exclusions in this Section and any Conditions Precedent to Liability,
Warranties, General Conditions, General Exclusions and Policy limits, We will cover You
against Loss or Damage to the Buildings caused by an Insured Peril. We will not cover You
for the Certificate Excess shown in the Certificate Excesses section of this Certificate.
Insured Perils
1 Fire, explosion, lightning and earthquake
2 Smoke
3 Riot, civil commotion, strikes, lab Our or political disturbances, Excluding
a Loss or Damage while the Premises is Unoccupied
4 Malicious acts or vandalism, Excluding
a Any claim for Loss or Damage of more than £5,000 caused by any person lawfully
allo We d in any part the of the Premises
b Loss or Damage caused when the Premises is Unoccupied
c Loss or Damage caused when the Premises is occupied by Asylum Seekers.
5 Storm or Flood, Excluding
a Loss or Damage caused by frost
b Loss or Damage caused by a change in the water table
c Loss or Damage to gates, fences, terraces, patios, paths, drives, footpaths, walls,
hedges
6 Water or oil escaping from any fixed domestic appliance or system including any costs in
locating the source of any escape, Excluding
a Loss or Damage while the Premises is Unoccupied
b Loss or Damage to the appliance or system from which the water or oil escaped
7 Frost Damage to fixed water or heating systems in the Premises , Excluding
a Loss or Damage while the Premises is Unoccupied
8 Theft or attempted theft, Excluding
a Theft or attempted theft caused by a person lawfully allo We d in any part of Your
Premises
b Theft or attempted theft while the Premises is Unoccupied
c Loss by deception unless the Premises was entered using forcible, violent or visible
entry
d Loss or Damage caused when the Premises is occupied by Asylum Seekers
9 The Building being hit by aircraft, other flying devices or anything dropped or falling from
them, animals, falling trees, branches, telegraph poles, lampposts or pylons, falling Aerials, or
vehicles, Excluding
a Loss or Damage caused to paths or drives by the We ight of any vehicle
b Loss or Damage arising from cutting down or trimming of trees
10 Subsidence or heave of the site the Buildings stand on or landslip, Excluding
a Loss or Damage caused by or resulting from coastal or river or watercourse erosion
b Loss or Damage caused by faulty design, workmanship or material
c Loss or Damage caused by demolition of or alterations or repairs to the Buildings
d Loss or Damage caused by solid floor slabs moving, unless the foundations beneath
the outside walls of the Premises are Damaged at the same time and by the same
cause
e The Premises or land it is on settling, shrinking, bedding down or expanding
f Damage to walls, gates, fences, terraces, patios, paths, drives, footpaths, hedges or
service tanks unless the Premises was Damaged at the same time and by the same
cause
11 Accidental Damage to any cables or underground services pipes (including hatches and
covers) servicing the Premises , Excluding
a Loss or Damage to any part of the cable or service pipe within the Buildings
12 Accidental Damage
This extension only applies if shown in Your schedule.
We will pay for accidental Loss or destruction to the Buildings.
Exclusions
a We will not pay for faulty or defective design materials or workmanship, inherent vice,
latent defect, gradual deterioration We ar tear or frost
b We will not pay for explosion occasioned by the bursting of a boiler (not used for
domestic purposes only) economiser or other vessel machine or apparatus in which
internal pressure is due to steam only and belonging to or under Your control
c We will not pay for collapse or cracking of the Buildings
d We will not pay for corrosion, rust, change in temperature, dampness, dryness, We t or
dry rot, shrinkage, evaporation, Loss of We ight, contamination, change in colour,
flavour, texture or finish, vermin, insects, marring or scratching
e We will not pay for acts of fraud or dishonesty
f We will not pay for disappearance unexplained or inventory shortage misfiling or
misplacing of information
g We will not pay for cracking, fracturing, collapse or overheating of boilers, economisers,
vessels, tubes or pipes, nipple leakage and or the failure of We lds of boilers
h We will not pay for mechanical or electrical breakdown or derangement of machinery or
equipment
i We will not pay for bursting overflowing discharging or leaking of water tanks apparatus
or pipes occurring whilst the whole of the Home is Unoccupied
j We will not pay for normal settlement or bedding down of new structures
k We will not pay for Damage to property as a result of its undergoing any process
l We will not pay for Damage to property in transit
m We will not pay for Damage to vehicles licensed for road use (including accessories
thereon), caravans, trailers, railway, locomotives or rolling stock, water craft or aircraft
n We will not pay for property or structures in the course of construction or erection
o We will not pay for Loss or Damage specifically excluded elsewhere under the
Buildings section or elsewhere in this Certificate
p We will not pay for the cost of general maintenance or upkeep
Additional Extensions
Metered Water
This certificate extends to include Loss from accidental escape of metered water from water
tanks, apparatus and pipes in consequence of an Insured Peril but only to the extent that
such Loss is determined by measurement from the water authority meter for which You are
responsible. The amount payable is limited to such excess water charges levied by the water
authority and in no case exceeding £5,000 in respect of any one Loss and £15,000 in the
aggregate in any one period of insurance. You must record the reading of the meter at
intervals of not more than 30 days.
Loss of Rent
We will pay up to 20% of Buildings sum Insured (or as stated in the schedule) for Loss of
rent if the Premises becomes ninhabitable or partly uninhabitable and cannot be let due to
one of the Insured events listed under the Buildings Insurance section of this Certificate.
Exclusions
a We will not pay for Loss of rent arising from the tenants leaving the Premises without
giving You notice
b We will not pay for rent the tenants have not paid
c We will not pay for Loss of rent to any Premises that We re Unoccupied immediately
before the Insured event giving rise to a claim
d We will not pay for any letting agents share of the rent or any other expenses You
must pay to the letting agent
e We will not pay for Loss of rent after We consider the Premises is fit to be let
Index Linking
We will increase Your sum Insured each month in line with the house rebuilding cost index
produced by the House Rebuilding Cost Index produced by the Royal Institute of Chartered
Surveyors.
Transfer of Interest
If at the time of Loss destruction or Damage to the Buildings hereby Insured the same are
under a binding but uncompleted contract for sale by You and the purchaser does not hold
any insurance against such Loss destruction or Damage then on completion of the sale and
at the request of You the purchaser shall be entitled to the benefits of this Certificate
applicable to such Loss destruction or Damage without prejudice to the rights and liabilities of
You or Us under this Certificate up to the date of completion.
Professional Fees and Other Costs
Following Loss or Damage due to an Insured event We will pay for, provided Our prior
written agreement has been obtained: architects, surveyors, legal and other fees, the cost of
making the Buildings safe, removal of debris and clearing the site, the additional costs of
rebuilding or repair arising from compliance with government or local authority requirements.
Exclusions
a Any costs in preparing a claim under this Certificate
b Costs arising under a notice served by the government or local authority prior to the
Loss or Damage
Settling claims for Loss or Damage
If the Buildings are Damaged We will pay the cost of replacing or repairing the Damaged
Buildings provided:
i) the Buildings We re in good repair before the incident giving rise to the Damage
ii) the sum Insured is at least the same as the cost of rebuilding the Buildings
If the Buildings are Damaged and the sum Insured is less than the cost of rebuilding the
Buildings then You shall be considered as being Your own insurer for the difference and
shall bear a rateable share of the Loss accordingly.
We will not reduce the sum Insured after a claim as long as the replacement or repair work is
completed, and any recommendations We make to prevent further Damage, are carried out
without delay.
The most We will pay for one claim is the sum Insured for Buildings (less any applicable
excess).
We will not pay for replacing any undamaged part or item forming part of a set.
Landlords Fixtures and Fittings Insurance
This section only applies if shown in Your schedule.
Subject to any Exclusions in this Section and any Conditions Precedent to Liability,
Warranties, General Conditions, General Exclusions and Policy limits, We will cover You for
Loss or Damage to the Landlords Fixtures and Fittings in Your Premises or its
outBuildings or private garage caused by the following Insured Perils. We will not cover You
for the Certificate excess which is shown in the Certificate Excesses section of this Certificate.
Insured Perils
1 Fire, Explosion, Lightning and earthquake
2 Smoke
3 Riot, civil commotion, strikes, lab Our or political disturbances, Excluding
a Loss or Damage while the Premises is Unoccupied
4 Malicious acts or vandalism, Excluding
a Loss or Damage caused by a person lawfully allo We d in any part of Your Premises
b Loss or Damage caused when the Premises is Unoccupied
5 Storm or Flood, Excluding
a Loss or Damage to Landlords Fixtures and Fittings in the open
b Loss or Damage caused by frost
c Loss or Damage caused by a change in the water table
6 Water or oil escaping from any fixed domestic appliance or system, Excluding
a Loss or Damage while the Premises is Unoccupied
b Loss or Damage to the appliance or system the water or oil escaped from
7 Theft or attempted theft, Excluding
a Theft or attempted theft caused by a person lawfully allo We d in any part of Your
Premises
b Theft or attempted theft while the Premises is Unoccupied
c Theft or attempted theft by deception unless the Premises was entered using forcible
or violent entry
8 The Building being hit by aircraft, other flying devices or anything dropped or falling from
them, animals, falling trees, branches, telegraph poles, lampposts or pylons, falling Aerials, or
vehicles, Excluding
a Loss or Damage arising from the cutting down of trees
9 Subsidence or heave of the site the Buildings stand on or landslip, Excluding
a Loss or Damage caused by or resulting from coastal or river or watercourse erosion
b Loss or Damage caused by faulty design, workmanship or material
c Loss or Damage caused by demolition of or alterations or repairs to the Buildings
d Loss or Damage caused by solid floor slabs moving, unless the foundations beneath
the outside walls of the Premises are Damaged at the same time and by the same
cause
e The Premises or land it is on settling, shrinking, bedding down or expanding
Settling claims for Loss or Damage
1 If the Landlords Fixtures and Fittings suffer Loss or Damage We will replace the
damaged Landlords Fixtures and Fittings as new, as long as the sum Insured is at least
equal to the cost of replacing all the Landlords Fixtures and Fittings, Ho We ver We may at
Our option;
a pay the cost of replacing the item as new, or
b pay the cost of repairing any item.
2 If the Landlords Fixtures and Fittings suffer Loss or Damage and the sum Insured is not
equal to the cost of replacing all the Landlords Fixtures and Fittings as new, then You shall
be considered as being Your own insurer for the difference and shall bear a rateable share of
the Loss accordingly.
We will not pay for replacing any undamaged part or item forming part of a set.
The most We will pay for any one claim is the sum Insured for Landlords Fixtures and
Fittings, as shown on the Schedule, less any excess.
We will not reduce the sum Insured after a claim as long as the repair work is completed, and
any recommendations We make to prevent further Loss or Damage, are carried out without
delay.
Additional Extensions
Accidental Damage
This extension only applies if shown in Your schedule.
We will pay for accidental Loss or destruction to the Landlords Fixtures and Fittings.
Exclusions
a We will not pay for faulty or defective design materials or workmanship, inherent vice,
latent defect, gradual deterioration We ar tear or frost
b We will not pay for explosion occasioned by the bursting of a boiler (not used for
domestic purposes only) economiser or other vessel machine or apparatus in which
internal pressure is due to steam only and belonging to or under Your control
c We will not pay for Loss or Damage caused by collapse or cracking of the Buildings
d We will not pay for corrosion, rust, change in temperature, dampness, dryness, We t or
dry rot, shrinkage, evaporation, Loss of We ight, contamination, change in colour,
flavour, texture or finish, vermin, insects, marring or scratching
e We will not pay for acts of fraud or dishonesty
f We will not pay for disappearance unexplained or inventory shortage misfiling or
misplacing of information
g We will not pay for cracking, fracturing, collapse or overheating of boilers, economisers,
vessels, tubes or pipes, nipple leakage and or the failure of We lds of boilers
h We will not pay for mechanical or electrical breakdown or derangement of machinery or
equipment
i We will not pay for bursting overflowing discharging or leaking of water tanks apparatus
or pipes occurring whilst the whole of the Building is Unoccupied
j We will not pay for normal settlement or bedding down of new structures
k We will not pay for Damage to property as a result of its undergoing any process
l We will not pay for Damage to property in transit
m We will not pay for Damage to vehicles licensed for road use (including accessories
thereon), caravans, trailers, railway, locomotives or rolling stock, water craft or aircraft
n We will not pay for property or structures in the course of construction or erection
o We will not pay for any Damage specifically excluded elsewhere under the Landlords
Fixtures and Fittings Section or elsewhere in this Certificate
p We will not pay for Damage caused by tearing or fouling or chewing by animals
Property Owners Liability Insurance
Subject to any Exclusions in this Section and any Conditions Precedent to Liability,
Warranties, General Conditions, General Exclusions and Policy limits, We will pay all sums
which You are legally liable to pay as compensation for Injury to any person or Loss or
Damage to third party property arising as a consequence of Your ownership of the
Premises , plus Your defence costs and expenses (incurred with Our prior written
agreement), Excluding
a Legal Liability arising from any contract or agreement unless You would have had the
liability if the contract or agreement had not existed
b Legal Liability arising from Your profession, business or employment other than as
owner of the Premises
c Legal Liability arising from You owning any land or Building other than the Premises
indicated in the Schedule
d Legal Liability arising from You owning, possessing or using any:
i aircraft;
ii watercraft or hovercraft;
iii animal;
iv caravan or trailer;
v crossbow or firearm;
vi motor vehicle other than gardening equipment.
e Injury to You
f Loss or Damage to property You own or have in Your possession
g Any unlawful act
h Bodily Injury to any of Your employees or employers working on Your behalf or in
connection with this insurance
i More than £2,000,000 (or as stated in the schedule) for any claim or claims arising
from one event
j Legal liability arising out of Pollution/Contamination
Certificate Excesses
You must pay an amount towards each claim. The amount You pay is called ‘excess’.
The following excesses apply to each and every claim.
| Occupied Property built after 1800 |
Occupied Property built before 1800 |
Unoccupied Property days 0-60 |
Unoccupied Property days 61+ |
|
| Subsidence, Landslip or heave |
£1000 | £1000 | £1000 | £1000 |
| Buildings | £250 | £250 | £500 | £2500 |
| Landlords Fixtures and Fittings |
£250 | £250 | Cover not available | Cover not available |
| Loss of Rent | £250 | £250 | Cover not available | Cover not available |
| Property Owners Liability |
£250 | £500 | £500 | £2500 |
Claims Procedure and Conditions
If You need to make a claim, please follow the procedure below so We can
deal with the matter efficiently.
It is a condition precedent to liability that
You must do the following:
1. Contact the agent that arranged this insurance for You as soon as reasonably
possible . Then
in order to make the Buildings secure You may undertake temporary repairs as
defined and stated below.
2. Give Us full written details of Your claim as soon as reasonably possible, and always
within 30 days.
3. You must notify Us within 7 days for claims under the Riot or Malicious acts or
vandalism Insured Perils.
4. Tell the police immediately if Damage has been caused by Theft, attempted theft,
Malicious acts or vandalism.
5. Take all reasonable steps to reduce and prevent any further Injury, Loss or
Damage.
6. Give Us, at Your expense, all information and evidence (including written estimates
and proof of ownership and value) We ask for.
7. Send to Us (unans We red) every letter, claim, writ, summons or other legal document
You receive in relation to the claim.
8. Supply, at Your own expense, all reports, certificates, plans, specifications, quantities
information, proof of rent being received and help We ask for.
You must not do the following:
1. Abandon any item to Us.
2. Dispose of any damaged items before We have inspected them.
3. Negotiate, admit or settle any claim or offer without Our permission in writing.
We may do the following:
1. Enter any of the Buildings where the Injury or Damage has happened, keep the
Insured property and deal with the salvage in a reasonable way.
2. Negotiate defend or settle (in Your name and on Your behalf) any claim made
against You.
3. Appoint a Loss adjuster to deal with the claim.
4. Arrange to repair the Damage to the Buildings or Insured property.
Temporary Repairs
You may make good the Buildings following Damage caused by an Insured Peril without
Our prior authorisation. You are permitted to do the following without prejudicing Your
position:
a Necessary boarding up following Damage to fixed glass in windows, doors, fan lights
and skylights to make the Buildings secure
b The provision of temporary doors for the purpose of We ather proofing or securing the
Buildings
c We ather proofing Buildings
d Securing the site
Our acceptance of liability for any such temporary repair will always be subject to the terms
and conditions of this Certificate.
Conditions Precedent to Liability
The following are Conditions Precedent to Insurers liability under this Certificate. You must
comply with these Conditions. Failure to do so may invalidate any claim.
1. Changes in circumstances
You must immediately tell Us about any change in Your circumstances. In particular You
must tell Us if there is a change to:
a the address of the Premises ;
b the use of the Premises (including if Premises becomes Unoccupied ).
c the type of tenant occupying the Premises
d the Premises structure
e total cost of rebuilding the Premises , total cost of replacing the Landlords Fixtures
and Fittings
As soon as You are aware that the Premises will be unattended for more than 14 days in a
row You must immediately:
a turn off the water at the mains and drain the system
b turn off any oil supply at the tank
2. Unoccupied Properties
If any part or parts of the Premises becomes Unoccupied during the period of insurance or
is Unoccupied at the start of this insurance, the following will apply to the Unoccupied part
or parts:
You or Your agents must inspect the Unoccupied part or parts of the Premises at least
every 14 days to make sure that:
a the gas, electricity and water supply is turned off at the mains and the system drained
(unless adequate level of heating is maintained from fixed heating appliances):
b all outside doors are securely locked:
c all ground-floor and accessible upper-floor windows are securely fastened and any
broken windows boarded up; and
d the Premises and all yards and areas surrounding the Premises are free from fuel
and waste materials
You must keep a record of all inspections and We must be able to inspect Your records at
any time.
If the Premises are broken into or vandalised. You must immediately:
a make the property safe and secure;
b follow the claims procedure set out in this policy; and
c keep a record of any necessary work and inspections. We must be able to inspect
Your records at any time
The following events will not be covered at any time in respect of the Unoccupied part or
parts of the Premises :
1 Riot, civil commotion, strikes, lab Our or political disturbances
2 Malicious acts or vandalism
3 Water or oil escaping from any fixed domestic appliance or system
4 Theft or attempted theft
5 Frost Damage to fixed water or heating systems in the Premises .
6 The first £500 excess of any claim other than Subsidence as specified in the “Certificate
Excesses” section for properties Unoccupied up to 60 days
7 The first £2,500 excess of any claim other than Subsidence as specified in the “Certificate
Excesses” section for properties Unoccupied for 61 days or more
Also, We will not pay for any Damage to any part of the Premises caused by water or oil
escaping from any fixed domestic appliance or system within the Unoccupied part or parts of
the Premises .
3. Maintenance and safety requirements
a A current Gas Safety record must have been issued and complied with and an Authorised
registered contractor must inspect and service all gas appliances at least every 12
months. Also, any necessary repairs and maintenance must be carried out by an
Authorised
registered contractor
b It is a condition precedent to liability that a current and valid electrical certificate is
issued for the Premises and that electrical installation will be inspected and tested
once every three years by a contractor approved by the National Inspection Council
for Electrical Installation Contractors (NICEIC) and that defects found will be
remedied forthwith in accordance with regulations of the institute of electrical
engineers.
c If furnished, all upholstered furniture must meet the Fire and Furniture Regulations
Act. Any furniture added to the property after 1 March 1993 must keep to the relevant
fire resistance requirements.
d You must give Your tenants all relevant instruction manuals.
You must keep records of all inspections, checks and work that has been carried out. We
must be able to inspect these records.
Note: Part Owner Occupied, Long Leasehold or Management Company
The Conditions Precedent to liability numbered 3a, 3b, 3c & 3d will not apply to that part of
the Premises or property that are occupied by the freehold owner or long leasehold owner.
4. Flat Roof
All flat roof sections (unless constructed of concrete) must be less than 10 years old.
If the above Condition Precedent is not complied with all liabilities for claims arising from
Damage to or as a result of the flat roof are excluded.
Warranty(ies)
1. Deep Fat Frying Warranty
It is warranted that
a A thermostat is fitted to frying range to prevent the operating temperature exceeding
2050c or the suppliers recommended temperature.
b A high temperature limit control of a non-self resetting type is fitted to shut off the heat
source if the temperature of the fat or oil exceeds 2300c.
c The extraction system must vent directly to the outside of the Premises .
d None of the range or associated equipment including ducting and hoods shall be
within 150mm of any combustible materials.
e All grease traps, filters and other removable devices must be cleaned every We ek and
a written record kept thereof.
f The grease extract ducting shall be cleaned every 6 months and a written record kept
thereof.
g The entire range and associated equipment shall be serviced by the
manufacturer/installer or an independent qualified contractor every 12 months.
h The frying range shall be attended at all times whilst the range is turned on.
i All waste/scraps shall be kept in metal bins and removed at least once a We ek from
the Premises .
j One of the following types of fire extinguisher must be installed in the vicinity of the
range together with an approved fire blanket
1 2 gallons foam type 2 10lb dry powder
3 2 x 10lb carbon dioxide 4 71bs BCF or BTH
General Conditions (applicable to all Sections of this Insurance)
1. Policy Voidable
This Insurance shall be Voidable in the event of non-disclosure, misrepresentation of
misdescription in of any material fact or particular.
2. Observance
Observance of the terms of this Certificate relating to anything to be done or complied
with by You is a Condition Precedent to any liability of Insurers .
3. Reasonable care
a You at Your own expense must take all reasonable steps to prevent Injury, Loss or
Damage.
b You must maintain the Buildings and Landlords Fixtures and Fittings in a sound
condition and good repair.
4. Warranties
Every warranty shall, from the time the warranty applies, continue to be in force
throughout the period of the Insurance and non compliance with any warranty insofar
as it increases the risk shall be a bar to any claim.
5. Personal representatives
If You die, Your personal representatives will have the benefit of this insurance for
period of insurance as long as they tell Us, as soon as possible, about Your death,
and they keep to all terms and conditions of this certificate.
6. Contracts (Right of Third Parties) Act 1999 Clarification Clause
A person who is not a party to this insurance has no right under the Contracts (Rights
of Third Parties) Act 1999 to enforce any term of this insurance but this does not
affect any right or remedy of a third party which exists or is available apart from that
Act.
7. Cancellation
We may cancel the certificate by writing to You at Your last or known address
confirming that all cover will end 14 days after the date of Our letter; or You may
cancel the certificate by giving Us written instructions.
If You or We cancel the certificate, and You have not made a claim during the current
period of insurance, We will refund the premium, less an administration fee, for any
remaining period of cover. No premium will be refunded for amounts under £50.00 +
IPT + £15.00 fee totalling £67.50.
8. Instalment Premiums
If You default under a credit arrangement to pay the premium, all coverage ceases
from the default date unless We agree in writing to re-instate cover
9. Fraudulent claims
We will not pay for any claim which is in any way fraudulent or exaggerated. We may
also make this insurance invalid and recover any Money We have paid to You or
Your representative.
10. Governing law
Under UK law You and We can choose the law that will apply to this insurance
contract. Unless You and We have agreed otherwise, this contract will be governed
by and interpreted in accordance with English law.
11. Other insurance
If You have any other insurance certificates which cover the same Loss , Damage or
liability as this Certificate, We will pay only Our share of any claim.
12. Rights to recovery
We may take, or ask You to take any action necessary to recover from a third party
any costs We become liable for under this Certificate. We may do this before or after
We pay Your claim.
13. Non-invalidation Clause
This insurance shall not be invalidated by any change of occupancy or increase of
risk taking place in the Buildings Insured without Your knowledge provided that You
notify Us immediately on becoming aware and pays any additional premium that may
be required from the date of such change.
14. Data Protection Act 1998
You should understand that any information You have provided will be processed by
Us, in compliance with the provisions of the Data Protection Act 1998, for the purpose
of providing insurance and handling clams, if any, which may necessitate providing
such information to other parties.
General Exclusions
This Certificate does not cover the following:
1 Existing Damage
a Any Loss or Damage occurring before the start of this Certificate
b Any Loss or Damage deliberately caused by You or anyone working on
Your behalf
2 Redevelopment, Building and construction work(s)
Any Loss or Damage caused as a result of or in consequence of Building work(s)
falling outside of and not categorized within the definition of Renovation .
3 Use of the Buildings
a Any Loss or Damage caused by any portable heaters
b Costs for keeping to any requirements or regulations You knew of before the
Loss or Damage occurred
4 Loss of value and consequential financial Loss
a Loss of value of the Buildings, Landlords Fixtures and Fittings or any
other property insured.
b Consequential Loss (that is any Loss which happens as a result of, or has
any side effect financial, economic or otherwise, as a result of any Loss to
the Buildings or Landlords Fixtures and Fittings You have insured).
5 Any Loss or Damage caused by We ar and tear or any gradually operating cause.
6 Loss or Damage caused by domestic pets or by insects or vermin.
7 Pairs and sets
The cost of replacing or altering any undamaged part or item forming part of a set.
8 Property not covered
a Living creatures
b Motorised vehicles, trailers, caravans, or spare parts and accessories in or on
any of them
c Property more specifically Insured by any other certificate
d Plants, trees and shrubs in the garden
9 Property being confiscated or detained by any government or public or local authority.
10 We will not cover Loss or Damage to fronted glass windows unless otherwise stated on
Your Certificate Schedule.
11 Sonic bangs
Any Loss of or Damage from pressure waves caused by aircraft or other flying
devices travelling at or above the speed of sound.
12 Diminution in value
Any reduction in value of the property Insured following repair or replacement paid for
under this insurance.
13 War Exclusion
Any Loss or Damage or liability directly or indirectly occasioned by, happening
through or in consequence of war, invasion, acts of foreign enemies, hostilities
(whether war be declared or not), civil war, rebellion, revolution, insurrection, military
or usurped po We r, or confiscation or nationalisation or requisition or destruction of a
Damage to property by or under the order of any government or public or local
authority.
14 Radioactive Contamination and Nuclear Assemblies Exclusion
1 Any Loss or destruction of or Damage to any property whatsoever, or any Loss or
expenses whatsoever resulting or arising therefrom or any consequential Loss
2 Any legal liability of whatsoever nature directly or indirectly caused by or contributed to by or
arising from:-
i ionising radiations or contamination by radioactive from any nuclear fuel or from any
nuclear waste from the combustion of nuclear fuel,
ii the radioactive, toxic, explosive or other hazardous properties of any explosive
nuclear assembly or nuclear component thereof.
iii the causing, occasioning or threatening of harm of whatever means:
iv putting the public or any section of the public in fear
In circumstances in which it is reasonable to conclude that the purpose(s) of the person(s) or
organisation(s) concerned are wholly or partly of a political, religious, ideological or similar
nature.
15 Terrorism Exclusion
Any Loss , Damage, cost or expense of whatsoever nature directly or indirectly caused by,
resulting from or in connection with any act of terrorism regardless of any other cause or
event contributing concurrently or in any other sequence to the Loss .
For the purpose of this insurance an act of terrorism means an act, including but not limited to
the use of force or violence and/or the threat thereof, of any person or group(s) of persons,
whether acting alone or on behalf of or in connection with any organisation(s) or
government(s), committed for political, religious, ideological or similar purposes including the
intention to influence any government and/or to put the public, or any section of the public, in
fear.
This insurance also excludes Loss , Damage, cost or expense of whatsoever nature directly
or indirectly caused by, resulting from or in connection with any action taken in controlling,
preventing, suppressing or in any way relating to any act of terrorism.
If We allege that by reason of this exclusion, any Loss , Damage, cost or expense is not
covered by this insurance the burden of providing the contrary shall be upon the assured.
In the event any portion of this exclusion is found to be invalid or unenforceable, the
remainder shall remain in full force and effect.