Section D2 - Debt Recovery
the pursuit of legal proceedings arising from a dispute with a customer in respect of an uncontested debt that arises from
the sale or provision of goods or services provided that: i)
ii)
iii) iv) v)
vi) vii)
the amount in dispute exceeds the minimum amount in dispute specified in the schedule; we are notified of the claim within three months of the debt becoming due and payable; the insured has exhausted all credit control and accounting procedures as declared to us; the insured agrees to appoint our nominated debt recovery service as the appointed representative; we have the right to select the method of enforcement;
we are satisfied that the defendant has sufficient assets to satisfy any judgment debt;
the number of claims notified in the period of insurance does not exceed the amount specified in the schedule.
Exclusions specific to Section D2 The insurer will not pay legal expenses arising from or relating to: i)
the recovery of a disputed debt; ii) iii) a lease or tenancy of land or buildings; the ownership, possession, hiring or use of a motor vehicle, aircraft or water craft. Section E - Property Section E1 - Property Occupied by the Insured
the pursuit or defence of legal proceedings relating to the insured’s rights as the owner or occupier of property that is physically occupied by the insured
Section E2 - Property Occupied by the Insured (Construction)
the pursuit or defence of legal proceedings relating to the construction, extension, alteration, repair, refurbishment or renovation of any property that is physically occupied by the insured provided that: i)
ii)
iii) iv)
the contract has been declared to us, and accepted by us in writing Section E3 - Property not Occupied by the Insured
the pursuit or defence of legal proceedings relating to the insured’s rights as the owner of property that is not physically occupied by the insured
provided that in respect of any claim under sections E1, E2 and E3: i)
ii) iii)
the property has been disclosed to us in writing. Exclusions specific to Section E - Property The insurer will not pay legal expenses arising from or relating to: i)
ii)
iii) iv)
any review of the rent payable for leasehold property; the recovery of rent payable;
mining or other subsidence or heave;
a) any dispute arising from the compulsory purchase, confiscation, nationalisation, requisition, destruction of or damage to any property;
b) any disputes over restrictions or controls placed on any property; c) any disputes arising from actual, planned, or proposed construction, closure, adaptation or repair of roads, buildings, housing or other works
by or on behalf of any government or public or local authority, except in so far as the claim relates to 60
the insured has suffered or could suffer a financial loss if legal proceedings are not pursued or defended;
the insured agrees to use alternative dispute resolution to attempt to settle any dispute, if we consider it to be appropriate;
the contract for such works (and any amendments to it) are made in writing and that the written contract represents the entire agreement between the parties; the contract was entered into during the period of insurance; the amount in dispute exceeds £1,000;
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