Allianz Insurance plc. Terrorism. Policy Wording

Transcription

1 Allinz Insurnce plc Terrorism Policy Wording

2 Contents Thnk you for choosing Allinz Engineering. Definitions 2 Cover Terrorism 4 Limit of Liility 4 Exclusions 5 Specil Conditions 7 Complints Procedure 8 Notifying A Clim 8 Finncil Services Compenstion Scheme 8 Fir Processing Notice 9 Our technicl expertise uilt over mny yers of providing engineering insurnce nd inspection products nd services mens you cn trust us to e there when you need us. If you need further detils or hve ny questions, your roker or locl Allinz Engineering rnch will e delighted to help. Alterntively help nd guidnce cn e otined from: Allinz Engineering Hed Office Hslemere Rod Liphook Hmpshire GU30 7UN UK Importnt The insurnce cover provided y this Policy runs concurrently with Generl Cover Policy. This insurnce will e vried y cluses printed in the Generl Cover Policy Schedule. Plese red oth the Terrorism nd Generl Cover Policies together to ensure tht you hve the insurnce cover required.

3 Terrorism Allinz Insurnce plc (referred to s 'the Insurers' or 'Insurer') will indemnify or otherwise compenste the Insured nmed in the Schedule (referred to s the Insured ) in ccordnce with nd suject to the terms nd conditions of this insurnce in return for the Insured hving pid or greed to py the Insurnce Premium for the Period of Insurnce. Your insurnce policy is mde up of this Policy including ll Exclusions Extensions nd Conditions the Schedule nd the proposl which you mde to the Insurers prior to tking out this cover. These documents shll e red together s one contrct. Any word or expression to which specific mening hs een given shll hve the sme mening wherever it my pper in this Policy. Plese red ll the pges of this Policy nd Schedule crefully to ensure tht your insurnce requirements re met. For Allinz Insurnce plc Jonthn Dye Chief Executive Allinz Engineering is trding nme used y Allinz Insurnce plc 1

4 Definitions Territoril Limits Englnd nd Wles nd Scotlnd ut not the territoril ses djcent thereto s defined y the Territoril Ses Act Note 1. Note 2. This shll include the Chnnel Tunnel up to the frontier with the Repulic of Frnce, s set out y the Trety of Cnterury. For the voidnce of dout, this excludes Northern Irelnd, the Isle of Mn nd the Chnnel Islnds. Act of Terrorism Acts of persons cting on ehlf of or in connection with ny orgnistion which crries out ctivities directed towrds the overthrowing or influencing y force or violence of Her Mjesty s government in the United Kingdom or ny other government de jure or de fcto. Generl Cover Policy The Policy or Policies specified in the Equipment Schedule to this Policy. Schedule The Equipment nd Policy Schedules. Event All individul losses rising in respect of continuous period of seventy two (72) hours of which the proximte cuse is the sme Act of Terrorism. The dte nd time tht ny such period of seventy two (72) hours shll commence will e set y the Insurers. Property/Insured Property Property s detiled in the Schedule to ny Generl Cover Policy ut excluding 1 property insured under c d Mrine, Avition or Trnsit policy Motor lnsurnce policy reinsurnce policy or greement Bnkers Blnket Bond whether such policy or greement includes cover for n Act of Terrorism or not 2 ny lnd or uilding which is insured in the nme of n individul nd is occupied s privte residence or ny prt thereof which is so occupied, unless the uilding is used for oth commercil nd residentil purposes nd: oth commercil nd residentil portions re insured under the sme policy, nd the squre footge of the commercilly occupied portion of the uilding exceeds 20% of the totl squre footge of the uilding. Note: Trustees tht hold locks of flts nd/or privte dwelling houses under trust or person who owns locks of flts nd/or privte dwelling houses in the usiness of sole trder re not deemed to e individuls, except tht where the property is privte dwelling house or self-contined unit insured s prt of lock of units nd is occupied s privte residence y ny of the trustees or ny eneficiry of the trust or y the sole trder, it will e deemed to e insured in the nme of n individul 3 ny Nucler Instlltion or Nucler Rector nd ll fixtures nd fittings situted thereon nd ttched thereto nd ll pipes, wires, cles, drins or other conduits or service medi of ny description which re ffixed or connected to or in ny wy serve such Nucler Instlltion or Nucler Rector. Dmge Loss of or dmge to Insured Property s defined nd insured y the Generl Cover Policy specified in the Schedule. Consequentil Loss Additionl Expenditure nd / or Business Interruption Cover Options s defined nd insured y the Generl Cover Policy specified in the Schedule. Virus or Similr Mechnism Progrm code, progrmming instruction or ny set of instructions constructed with the purpose nd ility, or purposely used, to dmge, interfere with, dversely ffect, infiltrte or monitor computer progrms, Computer Systems, Dt or opertions, whether involving self-repliction or not. The definition of Virus or Similr Mechnism includes ut is not limited to trojn horses, worms nd logic oms nd the exploittion of ugs or vulnerilities in computer progrm to dmge, interfere with, dversely ffect, infiltrte or monitor s ove. 2

5 Definitions continued Hcking Unuthorised ccess to ny Computer System, whether the property of the Insured or not. Denil of Service Attck Any ctions or instructions constructed or generted with the ility to dmge, interfere with or otherwise ffect the vilility or performnce of networks, network services, network connectivity or Computer Systems. Denil of Service Attcks include, ut re not limited to, the genertion of excess trffic into network ddresses, the exploittion of system or network weknesses, the genertion of excess or non-genuine trffic etween nd mongst networks nd the procurement of such ctions or instructions y other Computer Systems. Nucler Instlltion Any instlltion of such clss or description s my e prescried y regultions mde y the relevnt Secretry of Stte from time to time y sttutory instrument eing n instlltion designed or dpted for Policy The contrct of insurnce formed of the Policy wording Schedule nd ny proposl mde y the Insured or on its ehlf to the Insurers (whether or not such proposl is recorded in writing). Computer System A computer or other equipment or component or system or item which processes, stores, trnsmits or receives Dt. Dt Dt of ny sort whtever, including without limittion tngile or intngile dt, nd ny progrms or softwre, ndwidth, cryptogrphic keys, dtses, documents, domin nmes or network ddresses or nything similr, files, interfces, metdt, pltforms, processing cpility, storge medi, trnsction gtewys, user credentils, wesites, or ny informtion whtever. 1 the production or use of tomic energy, or 2 the crrying out of ny process which is preprtory or ncillry to the production or use of tomic energy nd which involves or is cple of cusing the emission of ionising rditions, or 3 the storge processing or disposl of nucler fuel or of ulk quntities of other rdioctive mtter, eing mtter which hs een produced or irrdited in the course of the production or use of nucler fuel. Nucler Rector Any plnt (including ny mchinery equipment or pplince whether ffixed to lnd or not) designed or dpted for the production of tomic energy y fission process in which controlled chin rection cn e mintined without n dditionl source of neutrons. Phishing Any ccess or ttempted ccess to Dt or informtion mde y mens of misrepresenttion or deception. 3

6 Cover Limit of Liility The Insurers will indemnify the Insured for Dmge Consequentil Loss occsioned y or hppening through or in consequence of n Act of Terrorism within the Territoril Limits defined herein. Provided lwys tht the insurnce y this Policy: is suject otherwise to ll the terms nd conditions of the Generl Cover Policy except: i the following Exclusions or Generl Exclusions of the Generl Cover Policy Wr nd Kindred Risks The liility of the Insurers under this Policy in respect of ny one Event nd in the ggregte in ny one Period of Insurnce shll not exceed: or the mount shown s the Limit of Liility in the Policy Schedule the mount shown s the Limit of Liility in the Generl Cover Policy whichever is less. Any provision for the utomtic reinsttement of Limits of Liility sums insured or ny one ccident limit in the Generl Cover Policy shll not pply to this Policy. E Risks Rdioctive Contmintion Terrorism ii where expressly vried within this Policy is suject to mximum Period of lnsurnce of twelve (12) months from the Effective Dte or ny susequent Renewl Dte of this Policy Any susequent period of cover of 12 months, or prt thereof, provided y this Policy is deemed to constitute seprte Period of Insurnce, provided tht i ii no susequent Period of lnsurnce y this Policy shll extend eyond the next Renewl Dte of this Policy the renewl premium due in respect of this Policy hs een received y the lnsurer c d is not suject to ny Long Term Undertking/Agreement pplying to the Generl Cover Policy is not suject to ny terms in the Generl Cover Policy which provide for djustments of premium. 4

7 Exclusions This Policy does not cover 1 Digitl nd Cyer Risks ny losses whtsoever directly or indirectly cused y or contriuted to y or rising from or occsioned y or resulting from dmge to or the destruction of ny Computer System or ny ltertion, modifiction, distortion, ersure or corruption of Dt in ech cse whether the property of the Insured or not, where such loss is directly or indirectly cused y or contriuted to y or rising from or occsioned y or resulting from Virus or Similr Mechnism or Hcking or Phishing or Denil of Service Attck. Provided tht this Exclusion 1. will not pply to Dmge or Consequentil Loss solely to the extent tht such Dmge or Consequentil Loss: i ii results directly (or, solely s regrds ii c elow, indirectly) from fire, explosion, flood, escpe of wter from ny tnk, pprtus or pipe (including ny sprinkler system), impct of ircrft or ny eril devices or rticles dropped from them, impct of ny se-going or wter-going vessel or of ny vehicle whtsoever or of ny goods or crgo crried in or on such vessel or vehicle, destruction of, dmge to or movement of uildings or structures, plnt or mchinery other thn ny Computer System; nd comprises; the cost of reinsttement, replcement or repir in respect of dmge to or destruction of Property insured y the Insured; or the mount of usiness interruption loss suffered directly y the Insured itself y wy of loss of or reduction in profits, revenue or turnover or incresed cost of working s direct result of either dmge to or destruction of Property insured y the Insured or s direct result of denil, prevention or hindrnce of ccess to or use of the Property insured y the Insured y reson of n Act of Terrorism cusing dmge to other Property within one mile of the Property insured y the Insured to which ccess is ffected; or iii c the mount of loss cused y the cncelltion, ndonment, postponement, interruption, curtilment or reloction of n event s result of dmge to or destruction of Property nd ny dditionl costs or chrges resonly nd necessrily pid y the Insured to void or diminish such loss; nd is not proximtely cused y n Act of Terrorism in reltion to which the relevnt orgnistion or ny persons cting on ehlf of or in connection with tht orgnistion re controlled y, cting on ehlf of or prt of ny de jure or de fcto government of ny ntion, country or stte. iv The mening of Property for the purposes of this proviso shll (dditionlly to those exclusions in the definition of Insured Property) exclude: v ny money (including Money s defined elsewhere in the Generl Cover Policy), currency, electronic cryptogrphic or virtul currency including Bitcoin or nything similr, negotile or non-negotile instruments, finncil securities or ny other finncil instrument of ny sort whtever: nd ny Dt. Notwithstnding the exclusion of Dt from Property, to the extent tht dmge to or destruction of Property within the mening of su-prgrph ii ove indirectly results from ny ltertion, modifiction, distortion, ersure or corruption of Dt, ecuse the occurrence of one or more of the mtters referred to in su-prgrph i ove results directly or indirectly from ny ltertion, modifiction, distortion, ersure or corruption of Dt, tht shll not prevent cost or usiness interruption loss directly resulting from dmge to or destruction of such Property nd otherwise flling within su-prgrphs i nd ii ove from eing recoverle under this Policy. In no other circumstnces thn the previous sentence, however, will ny loss or losses directly or indirectly cused y, contriuted to y or rising from or occsioned y or resulting from ny ltertion, modifiction, distortion, ersure or corruption of Dt e recoverle under this Policy. vi For the voidnce of dout, the urden of proof shll e on the Insured to prove or estlish ll the mtters referred to in su-prgrphs i to ii ove. 5

8 Exclusions continued This Policy does not cover 2 Riot Civil Commotion nd Wr ny losses whtsoever occsioned y riot civil commotion wr invsion ct of foreign enemy hostilities (whether wr e declred or not) civil wr reellion revolution insurrection or militry or usurped power. 3 Privte Residences ny loss whtsoever or ny expenditure resulting or rising therefrom or ny Consequentil Loss directly or indirectly relting to privte residence property when insured in the nme of privte individul cused y or contriuted to y or rising from: c the rdioctive toxic explosive or other hzrdous properties of ny explosive nucler ssemly or nucler component thereof; ionising rdition or contmintion y rdioctivity or from the comustion of ny rdioctive mteril; chemicl nd/or iologicl nd/or rdiologicl irritnts contminnts or pollutnts. 4 Territoril Limits ny losses whtsoever rising directly or indirectly from ny cover or extension of Premises provided y the Generl Cover Policy to loctions outside the Territoril Limits. 6

9 Specil Conditions 1 Burden of Proof In ny ction suit or other proceedings where the Insurers llege tht ny Dmge or Consequentil Loss resulting from Dmge is not covered y this Policy the urden of proving tht such dmge or loss is covered shll e upon the Insured. 2 Lw nd Lnguge Applicle Unless the Insurers gree otherwise the lnguge of the Policy nd ll communictions relting to it will e in English nd ll spects of the Policy including negotition nd performnce re suject to English lw nd the decisions of English courts. 7

10 Complints Procedure Notifying Clim Our im is to get it right, first time every time. If you hve complint we will try to resolve it stright wy ut if we re unle to we will confirm we hve received your complint within five working dys nd do our est to resolve the prolem within four weeks. If we cnnot we will let you know when n nswer my e expected. If we hve not resolved the sitution within eight weeks we will issue you with informtion out the Finncil Omudsmn Service (FOS) which offers free, independent complint resolution service. If you hve complint, plese contct our Customer Stisfction Mnger t: Customer Stisfction Mnger, Allinz Engineering, Hed Office Hslemere Rod, Liphook, Hmpshire, GU30 7UN Telephone: Fx: Emil: customer.stisfction@llinz.co.uk You hve the right to refer your complint to the Finncil Omudsmn, free of chrge ut you must do so within six months of the dte of the finl response letter. If you do not refer your complint in time, the Omudsmn will not hve our permission to consider your complint nd so will only e le to do so in very limited circumstnces. For exmple, if the Omudsmn elieves tht the dely ws s result of exceptionl circumstnces. The Finncil Omudsmn Service, Exchnge Tower, London, E14 9SR Wesite: Telephone: or Emil: complint.info@finncil-omudsmn.org.uk Clims under this Policy should e notified to the Insurers in ccordnce with the Clims Conditions of the Policy t the following Allinz Office. Plese provide your Policy numer nd s much informtion s possile out the clim: Allinz Engineering Clims Deprtment Hslemere Rod Liphook Hmpshire GU30 7UN Tel: Emil: clims@llinzengineering.co.uk Lines re open from 9m to 5pm Mondy to Fridy Finncil Services Compenstion Scheme Allinz Insurnce plc contriutes to the Finncil Services Compenstion Scheme (FSCS). You (the Insured) my e entitled to compenstion from the FSCS if we (the Insurers) re unle to meet our liilities. Further informtion out compenstion scheme rrngements is ville t y emiling enquiries@fscs.org.uk or y phoning the FSCS on or Using our complints procedure or contcting the FOS does not ffect your legl rights. The Europen Commission hs n online dispute resolution service for consumers who hve complint out product or service ought online. If you choose to sumit your complint this wy it will e forwrded to the Finncil Omudsmn Service. Visit to ccess the Online Dispute Resolution Service. Plese quote our e-mil ddress: customer.stisfction@llinz.co.uk. Alterntively, you cn contct the Finncil Omudsmn Service directly. 8

11 Fir Processing Notice how we use personl informtion 1. Who we re When we refer to we, us nd our in this notice it mens Allinz Insurnce plc or Allinz Engineering Inspection Services Limited. When we sy, individuls in this notice, we men nyone whose personl informtion we my collect, including: nyone seeking n insurnce quote from us or whose detils re provided during the quottion process policyholders nd nyone nmed on or covered y the policy nyone who my enefit from or e directly involved in the policy or clim, including climnts nd witnesses. 2. How we use personl informtion We use personl informtion in the following wys: to provide quotes, dminister policies nd policyholder clims to fulfil our contrct to dminister third prty clims nd prevent finncil crime to meet our legl oligtions to mnge our usiness nd conduct mrket reserch to meet the legitimte needs of our usiness to send mrketing informtion out our products nd services if we hve received specific consent. There is no oligtion to provide us with personl informtion, ut we cnnot provide our products nd services without it. Anyone whose personl informtion we hold hs the right to oject to us using it. They cn do this t ny time y telling us nd we will consider the request nd either stop using their personl informtion or explin why we re not le to. Further detils cn e found elow. 3. Automted decision mking, including profiling We my use utomted decision mking, including profiling, to ssess insurnce risks nd dminister policies. This helps us decide whether to offer insurnce, determine prices nd vlidte clims. Anyone suject to n utomted decision hs the right to oject to it. To do so they should contct us y emiling us t cccsm@llinz.co.uk nd we will review the decision. 4. The personl informtion we collect We collect the following types of personl informtion so we cn complete the ctivities in section 2, How we use personl informtion : sic personl detils such s nme, ge, ddress nd gender fmily, lifestyle nd socil circumstnces, such s mritl sttus, dependnts nd employment type finncil detils such s direct deit or pyment crd informtion photogrphs nd/or video to help us mnge policies nd ssess clims trcking nd loction informtion if it is relevnt to the insurnce policy or clim identifiction checks nd ckground insurnce risk detils including previous clims informtion medicl informtion if it is relevnt to the insurnce policy or clim criminl convictions if it is relevnt to the insurnce policy or clim ccessiility detils if we need to mke resonle djustments to help usiness ctivities such s goods nd services offered. 5. Where we collect personl informtion Direct from individuls, their representtives or informtion they hve mde pulic, for exmple, on socil medi. From other persons or orgnistions, for exmple: credit reference nd/or frud prevention gencies emergency services, lw enforcement gencies, medicl nd legl prctices insurnce industry registers nd dtses used to detect nd prevent insurnce frud, for exmple, the Motor Insurnce Dtse (MID), the Motor Insurers Anti-Frud nd Theft Register (MIAFTR) nd the Clims nd Underwriting Exchnge (CUE) insurnce investigtors nd clims service providers other insurers or service providers who underwrite the insurnce or provide the services for our products other involved prties, for exmple, climnts or witnesses. 9

12 Fir Processing Notice how we use personl informtion continued 6. Shring personl informtion We my shre personl informtion with: other compnies within the glol Allinz Group credit reference, frud prevention nd other gencies tht crry out certin ctivities on our ehlf, for exmple, the Motor Insurnce Dtse (MID), the Insurnce Frud Bureu (IFB) nd mrketing gencies if greed our pproved suppliers to help del with clims or provide our enefit services, for exmple, vehicle repirers, legl dvisors nd loss djusters other insurers, third prty underwriters, reinsurers, insurnce intermediries, regultors, lw enforcement nd the Finncil Omudsmn Service (FOS); nd other compnies tht provide services to us or you, for exmple, the Employers Liility Trcing Office (ELTO) nd the Clims nd Underwriting Exchnge (CUE) prospective uyers in the event tht we wish to sell ll or prt of our usiness. 7. Trnsferring personl informtion outside the UK We use servers locted in the Europen Union (EU) to store personl informtion where it is protected y lws equivlent to those in the UK. We my trnsfer personl informtion to other memers of the glol Allinz Group to mnge the insurnce policy or clim; this could e inside or outside the EU. We hve Binding Corporte Rules (BCR s) which re our commitment to the sme high level of protection for personl informtion regrdless of where it is processed. These rules lign with those required y the Europen Informtion Protection uthorities. For more informtion out BCR s, contct our Dt Protection Officer. Some of our suppliers hve servers outside the EU. Our contrcts with these suppliers require them to provide equivlent levels of protection for personl informtion. 8. How long we keep personl informtion We keep informtion only for s long s we need it to dminister the policy, mnge our usiness or s required y lw or contrct. 9. Know your rights Any individul whose personl informtion we hold hs the right to: oject to us processing it. We will either gree to stop processing or explin why we re unle to (the right to oject) sk for copy of their personl informtion we hold, suject to certin exemptions ( dt suject ccess request) sk us to updte or correct their personl informtion to ensure its ccurcy (the right of rectifiction) sk us to delete their personl informtion from our records if it is no longer needed for the originl purpose (the right to e forgotten) sk us to restrict the processing of their personl informtion in certin circumstnces (the right of restriction) sk for copy of their personl informtion, so it cn e used for their own purposes (the right to dt portility) complin if they feel their personl informtion hs een mishndled. We encourge individuls to come to us in the first instnce ut they re entitled to complin directly to the Informtion Commissioner s Office (ICO) sk us, t ny time, to stop processing their personl informtion, if the processing is sed only on individul consent (the right to withdrw consent). If you wish to exercise ny of these rights plese contct our Customer Stisfction Mnger: Address: Customer Stisfction Mnger, Allinz, 57 Ldymed, Guildford, Surrey, GU1 1DB Emil: cccsm@llinz.co.uk Phone: Allinz (UK) Group Dt Protection Officer Contct detils Allinz Insurnce plc nd Allinz Engineering Inspection Services Limited re compnies within the Allinz Holdings. Any queries out how we use personl informtion should e ddressed to our Dt Protection Officer: Address: Dt Protection Officer, Allinz, 57 Ldymed, Guildford, Surrey GU1 1DB Emil: dtprotectionofficer@llinz.co.uk Phone:

13 Fir Processing Notice how we use personl informtion continued Chnges to our Fir Processing Notice Occsionlly it my e necessry to mke chnges to this fir processing notice. When tht hppens we will provide n updted version t the erliest opportunity. The most recent version will lwys e ville on our wesite Consent for Specil Ctegories of Personl Dt The glol Allinz Group my need to collect nd process dt relting to individuls who my enefit from the policy ( Insured Persons ), which flls within the specil ctegories of personl dt under Dt Protection Legisltion, for exmple, medicl history or convictions of Insured Persons for the purpose of evluting the risk nd/or dministering clims which my occur. You must ensure tht you hve explicit verl or written consent from the Insured Persons to such informtion eing processed y the glol Allinz Group nd tht this fct is mde known to the Insured Persons. By pplying for nd/or entering into this insurnce policy you will e deemed to specificlly consent to the use of the Insured Persons Personl Dt in this wy nd for these purposes nd tht your directors, officers, prtners, nd employees hve consented to the glol Allinz Group using their detils in this wy. 11

14 Allinz Engineering lso provides the following covers: Mchinery All Mchinery Mchinery Movement Mchinery Options Property Engineering Contrctors Contrctors Plnt Contrctors All Risks Erection All Risks Electronics Computer Electronic Equipment Consequentil Loss Deteriortion of Stock Mchinery Business Interruption NN/01/05 NN/02/05 NN/03/05 NN/04/05 NN/05/05 NN/07/03 12

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16 Allinz Insurnce plc. Registered in Englnd numer Registered office: 57 Ldymed, Guildford, Surrey, GU1 1DB, United Kingdom. Allinz Insurnce plc is uthorised y the Prudentil Regultion Authority nd regulted y the Finncil Conduct Authority nd the Prudentil Regultion Authority. Finncil Services Register numer Allinz Engineering is trding nme used y Allinz plc. ACEW1933_