Claims Conditions Applicable to Money Insurance only Fraud


If any claim shall be in any respect fraudulent or if any fraudulent means or devices be used by the Insured or anyone acting on behalf of the Insured to obtain any benefit under this Policy or if any loss destruction or damage is occasioned by the wilful act or with the connivance of the Insured all benefit under this Policy shall be forfeited


Action by the Insured


On the discovery of any event which may give rise to a claim under this Policy the Insured shall (a) (b)


notify the Company in writing forthwith


give immediate notice to the police authority in respect of loss destruction or damage caused by malicious persons or by thieves and take all reasonable steps to discover any guilty person and recover the property lost


(c)


carry out and permit to be carried out any action which may be reasonably practicable to avoid or diminish the loss destruction or damage and to prevent further loss destruction or damage


(d) as soon as possible after discovery cause any defect or danger to be made good or remedied and in the meantime shall cause such additional precautions to be taken as the circumstances may require


(e)


within 30 days after the event or such further time as the Company may allow at his own expense deliver to the Company


(i) full information in writing of the claim (ii) details of any other insurance relating to the claim


(iii) all such business books documents proofs information explanation and other evidence as may be reasonably required all of which information and details may be produced by the Insured's professional accountants or auditors who are regularly acting as such their report being prima facie evidence of such information and details


(iv) if demanded a statutory declaration of the truth of the claim and of any matter connected with it (e)


Applicable only to Section 1 Money The Insured shall at the Company’s request and expense do and concur in doing and permit to be done all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated upon the Company paying for or making good any loss under this Policy whether such acts and things shall be or become necessary or required before or after the Company indemnifies the Insured


If any difference shall arise as to the amount to be paid under this Policy (liability being otherwise admitted) such difference shall be referred to an arbitrator to be appointed by the parties in accordance with the statutory provisions in that behalf for the time being in force Where any difference is by this condition to be referred to arbitration the making of an award shall be a condition precedent to any right of action against the Company


(f) Applicable only to Section 2 Personal Injury (Robbery)


All certificates information and evidence required by the Company shall be furnished free of expense to and in the form prescribed by the Company The Insured Person shall as often as required submit to medical examination on behalf of and at the Company’s expense in connection with any claim The Insured’s or the Insured’s personal representative's receipt shall discharge the Company The Insured Person or the Insured Person’s personal representative shall have no right to claim from or sue the Company If the Insured comprises more than one party having an interest in the Insured Person the Benefit shall represent the total amount payable in respect of that Insured Person for all interests covered by the Insurance


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