Policy Conditions


(b) take all reasonable precautions to prevent (i) loss or destruction of or damage to the Property Insured


(ii) accident or injury to any person or loss, destruction or damage to their property.


(c) comply with all legal requirements and safety regulations and conduct The Business in a lawful manner.


(d) keep books with a complete record of purchases and sales.


(13) Reinstatement


When We decide, or are required to reinstate or replace any property You will, at Your expense, provide any


(a) plans (b) documents (c) books (d) information which we require.


We will not be obliged to reinstate property exactly but only in a satisfactory manner as circumstances allow.


The maximum amount We will pay in respect of any one item is the Limit of Indemnity or the Sum Insured for that item.


(14) Subrogation


Anyone making a claim under this policy must, at Our request and expense, do everything We reasonably require to


(a) enforce a right or remedy or


(b) obtain relief or indemnity


from other parties to which We will become entitled or subrogated because of payment for or making good loss, destruction, damage, accident or injury.


We may require You to carry out such actions before or after We make any admission of or payment of a claim.


(15) Suspension of Cover


We may suspend cover by notice in writing to You until any requirement We have stipulated has been completed by You. Cover will only be reinstated following written notice by Us.


If cover is suspended We will refund a proportionate part of the premium.


(16) Long Term Undertaking


Where a Section is stated in The Schedule to be subject to Long Term Undertaking a discount of 5% under that Section is allowed in consideration of You having provided an undertaking with effect from the date stated in The Schedule to offer annually for a period of three years the insurance under the Section on the terms and conditions in force at the expiry of each Period of Insurance and to pay the premiums annually in advance, it being understood that:


(a) We shall be under no obligation to accept an offer made in accordance with such an undertaking


(b) the Sums Insured may be reduced at any time to correspond with any reduction in value or reduction in The Business.


The discount does not apply to any inspection fees charged under this policy.


The above mentioned undertaking applies to any policy which may be issued by Us in substitution for this policy and the same discount shall be allowed.


(17) Subjectivity


The policy, the application form, statement of fact and/or declaration made by You, and The Schedule, should be read together and form the contract of insurance between You {The Policyholder,) and Us (Aviva.)


(a) We will clearly state in The Schedule if the Cover provided by the policy is subject to You:


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