Property Damage Insurance - The Cover
If any items insured suffer Damage by any cause not otherwise excluded the Company will pay to the Insured the amount of loss in accordance with the provisions of the insurance provided that the Company's liability shall not exceed in any one Period of Insurance
[i] [ii] [iii]
in respect of each item on Buildings the Sum Insured in respect of each item on Rent 200% of the Sum Insured any other stated Limit of Liability
Property Damage Insurance – Causes Excluded The following are the Causes excluded except as otherwise stated in the Schedule
1
Damage by explosion caused by the bursting of any boiler or other plant which belongs to or is under the control of the Insured and in which internal pressure is due to steam only
but this shall not exclude Damage caused by explosion of - -
any boiler gas
used for domestic purposes only 2
Damage by riot civil commotion strikers locked-out workers or persons taking part in labour disturbances or malicious persons arising from
- - 3
nationalisation confiscation requisition seizure or destruction by order of the government or any public authority or
cessation of work
Damage by storm or flood [1] [2] [3]
[4] 4
5 6
attributable solely to change in the water table level caused by frost
to fences and gates unless caused by falling trees or there is Damage to structural parts of the Buildings at the same time
to trees plants shrubs and turf unless there is Damage to the Buildings at the same time
Damage by accidental escape of water from any automatic sprinkler installation caused by freezing in any building which is Empty Disused or Unoccupied
Damage by theft or attempted theft which the Insured is able to recover from another source
Damage by subsidence ground heave or landslip [1] [2]
resulting from -
-
[3] [4]
arising from the settlement or movement of made-up ground or by coastal or river erosion
the construction demolition structural alteration or structural repair of any property groundworks or excavation works
at the Premises
arising from normal settlement or bedding down of new structures commencing prior to the granting of cover under this insurance
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