Contractors All Risks

Transcription

1 Contrtors All Rsks Poly Wordng Allnz Insurne pl Contrtors All Rsks Poly Wordng II

2 Contrtors All Rsks Poly Wordng Contrtors All Rsks Poly Wordng Contents Thnk you for hoosng Allnz Engneerng. Defntons 2 Cover One Contrt Works 4 Cover One Lmt of Llty 4 Cover One Extensons 5 Cover One Exlusons 7 Cover One Condtons 8 Cover Two Owned Plnt nd Mhnery 9 Cover Two Lmt of Llty 9 Cover Two Extensons 10 Cover Two Exlusons 11 Cover Three Hred In Plnt 12 Cover Three Lmt of Llty 12 Cover Three Exlusons 13 Generl Extensons 14 Generl Exlusons 15 Generl Condtons 18 Clms Condtons 21 Complnts Proedure 24 Notfyng A Clm 24 Fnnl Serves Compenston Sheme 24 Fr Proessng Note 25 Our tehnl expertse ult over mny yers of provdng engneerng nsurne nd nspeton produts nd serves mens you n trust us to e there when you need us. If you need further detls or hve ny questons, your roker or lol Allnz Engneerng rnh wll e delghted to help. Alterntvely help nd gudne n e otned from: Allnz Engneerng Hed Offe Hslemere Rod Lphook Hmpshre GU30 7UN UK Importnt The nsurne over provded y ths Poly my e vred y luses prnted n the Shedule. Plese red oth the Poly nd Shedule to mke sure tht you hve the nsurne over requred. III

3 Contrtors All Rsks Poly Wordng Contrtors All Rsks Allnz Insurne pl (referred to s the Insurers or the Insurer ) wll ndemnfy or otherwse ompenste the Insured nmed n the Shedule (referred to s the Insured ) n ordne wth nd sujet to the terms nd ondtons of ths nsurne n return for the Insured hvng pd or greed to py the Insurne Premum for the Perod of Insurne. Your nsurne poly s mde up of ths Poly nludng ll Exlusons Extensons nd Condtons the Shedule nd the proposl whh you mde to the Insurers pror to tkng out ths over. These douments shll e red together s one ontrt. Any word or expresson to whh spef menng hs een gven shll hve the sme menng wherever t my pper n ths Poly. Plese red ll the pges of ths Poly nd Shedule refully to ensure tht your nsurne requrements re met. For Allnz Insurne pl Jonthn Dye Chef Exeutve Allnz Engneerng s trdng nme used y Allnz Insurne pl 1

4 Contrtors All Rsks Poly Wordng Defntons Insured Property Contrt Works The permnent works undertken n the performne of the Contrt nd lloted to or norported n the works nludng: Temporry Works nd Free Issue Mterls Contrt Works does not nlude prototype expermentl untred or unproven works or mhnery Contrtors Plnt Temporry Buldngs v Employees Effets v Hred In Plnt. Temporry Works Strutures nd ther mterls tht re neessry for ess to or support of the works nd wll e removed from the ontrt ste on or efore the dte of ompleton of the works not normlly e used gn n onneton wth other Contrts. Free Issue Mterls Mterls suppled y the Employer or ther gents for whh the Insured s responsle under the terms of the Contrt nd for whh the vlue hs een delred to the Insurers. Contrtors Plnt Tools tkle plnt nd equpment elongng to the Insured or for whh the Insured s responsle under hre purhse or lese greement. Temporry Buldngs Ste huts nd other temporry ommodton nd ther ontents (other thn omputer or other dt proessng equpment) elongng to the Insured or for whh the Insured s responsle under hre purhse or lese greement. Employees Effets Tools nd personl effets elongng to Employees ut not motor vehles preous metls or stones wthes jewellery or money. Hred In Plnt Tools tkle plnt nd equpment ste huts nd other temporry ommodton hred y the Insured nd for whh they re responsle under the terms of ther hrng greement or otherwse ut not plnt on hre purhse or sujet to lese greement or on free lon. Contrt The greement under whh the Contrt Works re undertken. Contrt Vlue The wrded vlue of the Contrt Works nludng the vlue of Free Issue Mterls nd ll other osts ssoted wth the ompleton of the Contrt. Employer The prty on whose ehlf the Contrt Works re undertken (other thn dretor prtner or Employee of the Contrtor). Employee Any person under ontrt of serve or pprenteshp wth the Contrtor. Contrtor The prty undertkng the Contrt Works on ehlf of the Employer. Terrtorl Lmts Gret Brtn Northern Irelnd the Isle of Mn nd the Chnnel Islnds. Testng Testng mens the pplton of power or drvng fore to n tem of mhnery pror to the ntroduton of feedstok or rw mterls or the pplton of lod. Commssonng Commssonng mens opertonl testng ommenng ether wth the ntroduton nto the Contrt Works of feedstok or other mterls for proessng or hndlng or when supply to system ommenes. Commssonng does not nlude ny proesses nvolvng heml ton or reton unless the pror greement of the Insurers hs een otned. 2

5 Contrtors All Rsks Poly Wordng Defntons ontnued Perod of Insurne Perod from the effetve dte to the renewl dte s shown n the Shedule. Poly The ontrt of nsurne formed of the Poly wordng Shedule nd ny proposl mde y the Insured or on ther ehlf to the Insurers (whether or not suh proposl s reorded n wrtng). 3

6 Contrtors All Rsks Poly Wordng Cover One Contrt Works Loss of or dmge to the Contrt Works desred n the Shedule nywhere n the Terrtorl Lmts ourrng durng the Perod of Insurne Trnst whle n trnst other thn y se or r to nd from the ontrt ste (nludng ndentl storge for perod not exeedng fourteen (14) dys) from the ommenement of lodng on to trnsport vehles untl the ompleton of unlodng t the destnton. Contrt Ste t the ontrt ste untl the ssue of ertfte of ompleton or tkng over ertfte or Cover One Lmt of Llty The llty of the Insurers shll not exeed the lesser of the Contrt Vlue plus the ost of ny ddtons mendments or vrtons nludng the vlue of Free Issue Mterls or the Lmt of Llty shown n the Shedule nd n ddton ny mounts shown n the Extensons n respet of ny one dent or seres of dents rsng from one ourrene of loss or dmge. The mount under ove my e nresed y not more thn 25% (twenty fve perent) should the Contrt Vlue plus the ost of ny ddtons mendments or vrtons nludng the vlue of ny Free Issue Mterls exeed the Lmt of Llty shown n the Shedule. the ompleton of onstruton or untl tken nto use whhever s the erler nd for further fourteen (14) dy perod where the Contrtor s requred to nsure under the terms of the Contrt. Mntenne durng the mntenne or defets llty perod from defet orgntng pror to the ommenement of ths perod or used y the Contrtor n the ourse of ny opertons they rry out t the ontrt ste for the purpose of remedyng ny defets n the Contrt Works or otherwse fulfllng the mntenne olgtons under the terms of the Contrt. Provded tht ove shll not exeed twelve (12) months from the ssue of ertfte of ompleton or tkng over ertfte or ompleton of onstruton or eng tken nto use whhever s the erler pples to the extent tht the Contrtor s responsle under the terms of the Contrt. 4

7 Contrtors All Rsks Poly Wordng Cover One Extensons Cover One s extended to over 1 Professonl Fees rhtets surveyors onsultng engneers or other professonl fees n ordne wth those uthorsed y the pproprte professonl ody neessrly nurred n the rensttement of the Contrt Works followng loss or dmge for whh the Insurers hve dmtted llty ut not the ost of preprng lm under ths Poly. 2 Brekdown or Exploson dmge to new nd unused mhnery formng prt of the Contrt Works used y eletrl or mehnl rekdown or exploson. Ths Extenson shll ontnue for perod of 3 Plns seven (7) dys from the ommenement of Testng of n ndvdul tem nd one (1) lendr month from the ommenement of Commssonng. the ost of mterls nd lour neessrly nurred to restore plns drwngs nd other douments held t the ontrt ste followng loss or dmge for whh the Insurers hve dmtted llty. 5 Offste Storge loss of or dmge to Contrt Works whle n store t ny loton n the Terrtorl Lmts other thn the ontrt ste for perod not exeedng sx months. Provded tht the Contrt Works re redy for delvery to the ontrt ste lloton to n nsured Contrt n e proved the vlue of the Contrt Works n store t ny one loton shll not exeed the lesser of 25% (twenty fve perent) of the Contrt Vlue or 250,000 unless the pror onsent of the Insurers hs een otned. 6 Ders Removl the ost neessrly nd resonly nurred y the Insured n removng ders dsmntlng or demolshng shorng up or proppng followng dmge for whh the Insurers hve dmtted llty. Provded tht the llty of the Insurers shll not exeed 10% (ten perent) of the Contrt Vlue. Provded tht the llty of the Insurers shll not exeed 50, Fre Brgde Chrges the ost of hrges rsng from the tvtes of the Fre Brgde n delng wth the onsequenes of loss or dmge for whh the Insurers hve dmtted llty. Provded tht the llty of the Insurers shll not exeed 10,000. 5

8 Contrtors All Rsks Poly Wordng Cover One Extensons ontnued Cover One s extended to over 7 Pul Authortes the ddtonl ost of rensttement of the Contrt Works followng loss or dmge for whh the Insurers hve dmtted llty nurred solely to omply wth uldng or other regultons under ny At of Prlment or wth ylws of ny munpl lol or Europen uthorty. Provded tht the Insurers shll not e lle for the ost nurred n omplyng wth ny of the regultons or y-lws under whh note hs een served on the Insured pror to the ourrene n respet of Contrt Works not lost or dmged rensttement must e strted nd rred out wthout unneessry dely nd must e ompleted wthn twelve (12) months followng the loss or dmge or wthn ny other perod the Insurers my llow the llty of the Insurers shll not exeed 10% (ten perent) of the Contrt Vlue. 8 Speultve Buldng loss of or dmge to uldngs onstruted y the Insured other thn under Contrt for perod not exeedng one hundred nd eghty (180) dys for domest uldngs or nnety (90) dys for ommerl uldngs followng Prtl Completon or untl the dte of sle oupton or hnd over whhever ours frst. Prtl Completon mens the ompleton of onstruton prt from deortons fnshes nd ftments tht wll e hosen y the purhser or tennt. 9 Expedtng Expenses the ddtonl ost of overtme weekend nd shft workng pyments plnt hre hrges express delvery nludng rfreght neessrly nd resonly nurred n expedtng repr replement or retfton followng loss or dmge for whh the Insurers hve dmtted llty ut exludng ny ost solely to expedte the ompleton of ny onstruton or nstllton of Insured Property not lost or dmged. 10 Jont Nmes or Multple Insureds ndemnty to ny prty tht s requred under the terms of the Contrt to e jont nmed nsured to ths Poly. If there s more thn one nsured prty eh opertng s seprte nd dstnt entty then over shll pply n the sme mnner nd to the sme extent s f ndvdul poles hd een ssued to eh prty. Provded tht d e the totl llty of the Insurers to ll of the nsured prtes olletvely shll not exeed the Lmt of Llty ny pyment or pyments y the Insurers to ny one or more nsured prty shll redue to the extent of tht pyment the Insurers llty to ll prtes rsng from ny one event gvng rse to lm under ths Poly the nsured prtes shll t ll tmes preserve ny vlle ontrtul rghts greements nd remedes n the event of loss or dmge the Insurers shll e enttled to vod llty to or lm dmges from ny of the nsured prtes n rumstnes of frud mterl msrepresentton mterl non-dslosure or reh of ny Condton n ths Poly eh referred to n ths luse s vttng t the Contrt s performed n Gret Brtn Northern Irelnd the Isle of Mn or the Chnnel Islnds. It s however greed tht vttng t ommtted y one nsured prty shll not prejude the rght to ndemnty of ny other nsured prty who hs n nsurle nterest nd who hs not ommtted vttng t the Insurers gree to wve ll rghts of surogton whh they my hve or qure gnst ny nsured prty exept where the rghts of surogton rse from vttng t ny lenders to the projet shll not e enttled to ny ndemnty under ths Poly for loss or dmge n respet of whh the Insurers re y reson of vttng t no longer lle to ndemnfy ny one or more other nsured prty. 6 Provded tht the llty of the Insurers shll not exeed 25% (twenty fve perent) of the ost of repr replement or retfton hd the ddtonl ost not een nurred.

9 Contrtors All Rsks Poly Wordng Cover One Exlusons Cover One does not over 1 Defetve Desgn Mterl or Workmnshp loss of or dmge to nd the ost neessry to reple repr or retfy Insured Property whh s n defetve ondton due to defet n desgn pln spefton mterls or workmnshp of suh Insured Property or ny prt thereof Insured Property lost or dmged to enle the replement repr or retfton of Insured Property exluded y ove Prgrph ove shll not pply to other Insured Property whh s free of the defetve ondton ut s dmged n onsequene thereof. For the purposes of ths Poly nd not merely ths Exluson the Insured Property shll not e regrded s lost or dmged solely y vrtue of the exstene of ny defet n desgn pln spefton mterls or workmnshp n the Insured Property or ny prt thereof. 2 Exstng Property loss of or dmge to ny property whh exsted on the ontrt ste pror to the ommenement of the Contrt Works. 3 Brekdown or Exploson dmge to ny prt of the Contrt Works used y ts own eletrl or mehnl rekdown or exploson other thn provded for under Extenson 2 Brekdown or Exploson. 4 Contrt Condtons loss or dmge for whh the Insured or ny other nsured prty s not responsle under the terms of the Contrt. 5 Wer nd Ter or Deterorton the ost of retfton of wer nd ter eroson orroson or other deterorton used y or nturlly resultng from ordnry work use or exposure ut not dmge nsured y ths Poly resultng from suh ourrene unless otherwse exluded. 7

10 Contrtors All Rsks Poly Wordng Cover One Condtons 1 Seres Loss If the development or dsovery of defet n ny prt of the Contrt Works shll ndte tht smlr defet exsts elsewhere n the Contrt Works the Insured shll mmedtely nvestgte nd f neessry retfy the defets n ny Contrt Works nsured under ths Poly t ther own expense or lterntvely er the ost of ll loss or dmge rsng out of the defet. 2 Conseutve Dmge For the purpose of nterpretng the pplton of Generl Exluson 1 Exess loss of or dmge to Insured Property t ny one loton y storm tempest or flood n one ontnuous perod of seventy two hours shll e delt wth s one dent or seres of dents rsng from one ourrene. 3 Insured Contrts Ths nsurne pples to loss or dmge ourrng durng the Perod of Insurne to Contrts tht re urrent t the strt of the Perod of Insurne or re ommened durng the Perod of Insurne. The llty of the Insurers shll ese t the end of the Perod of Insurne f the nsurne s not renewed or on nellton of the nsurne whhever s erler. 8

11 Contrtors All Rsks Poly Wordng Cover Two Owned Plnt nd Mhnery Loss of or dmge to Contrtors Plnt nd Temporry Buldngs nywhere n the Terrtorl Lmts or Employees Effets on the ontrt ste ourrng durng the Perod of Insurne. Provded tht where Contrtors Plnt or Temporry Buldngs hve een loned or hred out nsurne under Cover Two s ondtonl on the terms of the lon or hre eng no less onerous thn the Model Condtons for the hrng of Plnt pproved y The Construton Plnt-hre Assoton nd pplyng durng trnst to nd whle t the ste untl returned to or olleted y the Insured. Cover Two Lmt of Llty The llty of the Insurers shll not exeed 1 n respet of Contrtors Plnt nd Temporry Buldngs the Lmt of Llty shown n the Shedule. Provded tht the llty of the Insurers for ny ndvdul tem of Insured Property shll not exeed the mrket vlue of the tem t the tme of the loss or dmge nd n ddton ny mounts shown n the Extensons 2 n respet of Employees Effets the Lmt of Llty shown n the Shedule Provded tht the llty of the Insurers for ny ndvdul Employee shll not exeed 1,000 n respet of ny one dent or seres of dents rsng from one ourrene of loss or dmge. 9

12 Contrtors All Rsks Poly Wordng Cover Two Extensons Cover Two s extended to over 1 Dmge to Seurty Deves the ost nurred n reprng or replng ny mmolser lotng trkng or other seurty deve permnently ftted to the Insured Property followng loss or dmge due to theft or ttempted theft for whh the Insurers hve dmtted llty. Provded tht the llty of the Insurers shll not exeed 1,000 Exluson 1 Exess does not pply to ths Extenson. 2 Loss of Keys the ost nurred n replng the lok ylnder of ny seurty deve permnently ftted to ny Insured Property followng loss of or dmge to the keys opertng the seurty deve. Provded tht The llty of the Insurers shll not exeed 1,000 Exluson 1 Exess does not pply to ths Extenson. 3 Repr Cost Investgton the ost nurred n repr nvestgtons nd tests y onsultng engneers followng loss of or dmge to Insured Property for whh the Insurers hve dmtted llty. Provded tht the pror wrtten greement of the Insurers hs een otned the llty of the Insurers does not exeed 25,000 durng ny one Perod of Insurne the Insurers shll not e lle under ths Extenson for ny ost nurred n preprng lm under ths Poly. 10

13 Contrtors All Rsks Poly Wordng Cover Two Exlusons Cover Two does not over 1 Brekdown or Exploson loss of or dmge to the Insured Property used y ts own eletrl or mehnl rekdown or ts own exploson. 2 Exluded Prts nd Components loss of or dmge to uttng edges mhne tools trlng les flexle ppes drvng elts nd hns or onveyor nds unless ompned y the loss of or dmge to the omplete tem. 3 Mterls Proessed or Foregn Bodes loss or dmge used y mterls proessed or treted y the Insured Property or foregn odes enterng the Insured Property wth the mterls. 7 Wer nd Ter or Grdul Deterorton the ost of retfton of wer nd ter eroson orroson or other deterorton used y or nturlly resultng from ordnry work use or exposure grdully developng flws or frtures whh do not neesstte mmedte stoppge ut not dmge nsured y ths Poly resultng from or unless otherwse exluded. 4 Tyres loss of or dmge to tyres y the pplton of rkes or y puntures uts or ursts. 5 Mntenne Fulty Workmnshp or Applton of Tools the ost of mntenne retfton of fulty workmnshp ourrng durng the exeuton of reprs ut not dmge resultng from or unless otherwse exluded dmge used y the dret pplton of tools. 6 Overlodng or Anorml Condtons dmge to ny tem of Contrtors Plnt Temporry Buldngs or Employees Effets used y or rsng from the mposton of norml ondtons delerte overlodng or overlod testng other thn overlod testng n ordne wth the Code of Prte for the Sfe Use of Crnes BS7121 nludng ny susequent mendments or revsons Contrtors Plnt durng overlod testng n ordne wth the Code of Prte for the Sfe Use of rnes BS7121 nludng ny susequent mendments or revsons nd used y or rsng from defet n the tem. 11

14 Contrtors All Rsks Poly Wordng Cover Three Hred In Plnt The Insureds legl llty under the terms of ther hrng greement or otherwse to py ompenston for loss of or dmge to Hred In Plnt nywhere n the Terrtorl Lmts durng the Perod of Insurne ontnung hre hrges s result of loss of or dmge to Hred In Plnt for whh ndemnty s provded y ove. In ddton the Insurers wll py ll legl expenses for whh the Insured my e lle where legl proeedngs hve een defended wth the wrtten onsent of the Insurers. Cover Three Lmt of Llty The llty of the Insurers shll not exeed the Lmt of Llty shown n the Shedule nd n ddton ny mounts shown n the Extensons n respet of ny one dent or seres of dents rsng from one ourrene of loss or dmge. Provded tht the llty of the Insurers under Cover Three for loss or dmge nd ontnung hre hrges n respet of ny Hred In Plnt whh s more thn one yer old shll e no more thn the llty whh would e nurred under the Model Condtons for the hrng of Plnt pproved y The Construton Plnt-hre Assoton. loss of or dmge to Hred n Plnt whle loned or hred out s ondtonl on the terms of the greement under whh the lon or hrng out tkes ple eng no less onerous thn the terms under whh the Hred In Plnt hs een hred y the Insured unless otherwse greed y the Insurers. 12

15 Contrtors All Rsks Poly Wordng Cover Three Exlusons Cover Three does not over 1 Tyres loss of or dmge to tyres y the pplton of rkes or y puntures uts or ursts. 2 Overlodng or Anorml Condtons dmge to ny tem of Hred In Plnt used y or rsng from the mposton of norml ondtons delerte overlodng or overlod testng other thn overlod testng n ordne wth the Code of Prte for the Sfe Use of Crnes BS7121 nludng ny susequent mendments or revsons durng overlod testng n ordne wth the Code of Prte for the Sfe Use of rnes BS7121 nludng ny susequent mendments or revsons nd used y or rsng from defet n the tem. 3 Wer nd Ter or Grdul Deterorton the ost of retfton of wer nd ter eroson orroson or other deterorton used y or nturlly resultng from ordnry work use or exposure grdully developng flws or frtures whh do not neesstte mmedte stoppge ut not dmge nsured y ths Poly resultng from or unless otherwse exluded. 13

16 Contrtors All Rsks Poly Wordng Generl Extensons Ths Poly s extended to over 1 Pyments on Aount pyment s greed etween the Insured nd the Insurers n dvne of fnl settlement of lm under ths Poly where the Insurers hve dmtted llty. 2 Avodne of Impendng Dmge the ost nurred y the Insured n tkng exeptonl mesures tht re resonle to vod or redue mpendng loss or dmge whh would hve resulted n lm under ths Poly. Provded tht d e the mpendng loss or dmge dd not rse from ny defet n the Insured Property the mpendng loss or dmge dd not rse from resonly foreseele use the loss or dmge would hve een the nturl outome to e expeted n the sene of the mesures tken the Insurers re stsfed tht loss or dmge whh would hve een nsured under ths Poly hs een voded or redued n onsequene of the mesures tken the llty of the Insurers shll not exeed the ost whh would hve een nurred hd the mesures not een tken nd loss or dmge nsured y ths Poly hd ourred. 3 Addtonl Cost (Supplementry Expenses) neessry nd resonle ost nurred y the Insured followng loss or dmge nsured y Covers Two nd Three of ths Poly n effetng temporry repr or expedtng permnent repr. 4 Reovery of Immolsed Plnt the ost of reovery of ny mole tem of Insured Property nsured y Covers Two or Three of ths Poly whh eomes unntentonlly nd dentlly mmolsed due to dverse ground ondtons. Provded tht ll resonle preutons re tken to prevent mmolston where t s known tht ground ondtons re suh tht unntentonl nd dentl mmolston s possle. n the plnnng nd exeuton of reovery. The lmt of llty under ths Extenson shll not exeed the lesser of the mrket vlue of the tem t the tme of the mmolston or 25,000. The Insurers shll not e lle under ths Extenson n respet of 1 ny tem stuted underground or stuted n or under wter 2 mmolston used dretly or ndretly y the tems own eletrl or mehnl rekdown or ts own exploson 3 mmolston used dretly or ndretly y flure to mntn Insured Property n ordne wth the mnufturers nd/or supplers requrements nd reommendtons 4 vodle loss or dmge used y or durng the proess of reovery. Provded tht the greement of the Insurers hs een otned the llty of the Insurers shll not exeed 10,

17 Contrtors All Rsks Poly Wordng Generl Exlusons Ths Poly does not over loss dmge ost or legl llty onsstng of or n onsequene of 1 Exess the mounts stted n the Shedule s the Exess n respet of eh nd every ourrene for whh the Insured s ndemnfed y ths Poly. 2 Se or Ar Trnst loss or dmge ourrng durng trnst y se or r. 3 Srthng the srthng sourng or spolng of glss pnted polshed smooth or smlr fnshed surfes ut not dmge nsured y ths Poly resultng from suh ourrene unless otherwse exluded. 4 Inventory Loss or Undentfle Ourrene loss of Insured Property y ts dspperne or y shortge f the dspperne or shortge s only reveled when n nventory s mde due to t eng stolen or otherwse mssng unless the loss s dentfle y the Insured wth spef ourrene whh hs een the sujet of notfton under the terms of the Clms Condtons nd whh hs een reported to the Pole. 5 Multple Lftng Opertons dmge to Insured Property rsng out of ny lftng or lowerng operton n whh lod s shred etween two or more mhnes unless the pror onsent of the Insurers hs een otned. 6 Other Consequentl Losses lqudted dmges penltes for dely or detenton or n onneton wth gurntees of performne or effeny or loss of use or ny other form of onsequentl loss not speflly provded for y ths Poly. 7 Money Legl or Promssory Douments loss of or dmge to Deeds Bonds Blls of Exhnge Promssory Notes Csh Bnk Notes Tresury Notes Cheques Postl Orders Stmps or Seurtes. 8 Motor Vehles loss of or dmge to ny mehnlly propelled vehle or n tthed trler. Ths Exluson does not pply to ny vehle tht s not lensed for rod use nd used n rumstnes whh do not requre nsurne under ny rod trff legslton or desgned or dpted prmrly for use s tool of trde. 9 Vessels Crft Vehles Deves Rgs or Pltforms loss of or dmge to ny vessel rft vehle or deve desgned to flot on n or trvel under or through wter r or spe mrne rg or mrne pltform equpment mounted on nd fxed to suh vessel rft vehle deve rg or pltform. 10 Polluton or Contmnton loss or dmge dretly or ndretly used y or ontruted to y or rsng from polluton or ontmnton. Ths Exluson shll not pply to ost rsng from polluton or ontmnton of Insured Property used dretly y n ourrene whh s nsured y ths Poly. 11 Wr nd Kndred Rsks loss or dmge dretly or ndretly used y wr nvson t of foregn enemy hostltes (whether wr e delred or not) vl wr reellon revoluton nsurreton mltry or usurped power onfston ntonlston requston or destruton of or dmge to property y order of the Government or ny Pul Munpl or Lol Authorty. In the se of Insured Property outsde Gret Brtn Northern Irelnd the Isle of Mn nd the Chnnel Islnds loss dmge or Corrupton dretly or ndretly used y wrlke opertons mutny onspry mrtl lw stte of sege or ny events or uses whh determne the prolmton or mntenne of mrtl lw or stte of sege rot vl ommoton strke lok-out persons tkng prt n lour dsturnes or mlous persons tng on ehlf of or n onneton wth ny poltl orgnston. 15

18 Contrtors All Rsks Poly Wordng Generl Exlusons ontnued Ths Poly does not over loss dmge ost or legl llty onsstng of or n onsequene of 12 Rdotve Contmnton loss or dmge dretly or ndretly used y or ontruted to y or rsng from onsng rdtons from or ontmnton y rdotvty from ny nuler fuel or from ny nuler wste or from the omuston of nuler fuel the rdotve tox explosve or other hzrdous or ontmntng propertes of ny nuler nstllton retor or other nuler ssemly or nuler omponent thereof ny wepon or other deve utlsng rdotve mterl nd/or mtter nd/or onsng rdton nd/or tom or nuler fsson nd/or fuson or other lke reton. 13 Nuler Ste Rsks loss or dmge used y or onsstng of or llty rsng from loss or dmge to ny Nuler Mterl Insured Property n onneton wth ny Contrt for onstruton ereton nstllton repr mntenne or deommssonng of 14 Computer Dte Reognton loss or dmge dretly or ndretly used y or onsstng of or rsng from the flure of ny omputer or other equpment or system for proessng storng or retrevng dt whether the property of the Insured or not orretly to reognse ny dte s ts true lendr dte to pture sve or retn nd/or orretly to mnpulte nterpret or proess ny dt or nformton or ommnd or nstruton s result of tretng ny dte otherwse thn s ts true lendr dte to pture sve retn or orretly to proess ny dt s result of the operton of ny ommnd whh hs een progrmmed nto ny omputer softwre eng ommnd whh uses the loss of dt or the nlty to pture sve retn or orretly to proess suh dt on or fter ny dte ut ths Exluson shll not pply to susequent loss or dmge rsng from or used y fre lghtnng exploson rrft or other erl deves or rtles dropped therefrom rot vl ommoton strkers loked out workers persons tkng prt n lour dsturnes mlous persons other thn theves erthquke storm flood espe of wter from ny tnk pprtus or ppe or mpt y ny rod vehle or nml whh would ut for the pplton of ths Exluson e nsured y ths Poly. ny Contrt n or on ny uldng or plnt tht hs een or s used or s desgnted to e used for the Produton Use or Storge of Nuler Mterl. Defntons Produton Use or Storge of Nuler Mterl mens the produton mnufture enrhment ondtonng proessng use storge hndlng or dsposl of Nuler Mterl. Nuler Mterl mens nuler fuel (other thn nturl urnum nd depleted urnum) ple of produng energy y self sustnng hn proess of nuler fsson outsde nuler retor ether lone or n omnton wth some other mterl nd rdotve produts or wste produed n or ny mterl mde rdotve y exposure to the rdton. 16

19 Contrtors All Rsks Poly Wordng Generl Exlusons ontnued Ths Poly does not over loss dmge ost or legl llty onsstng of or n onsequene of 15 Terrorsm loss or dmge dretly or ndretly used y resultng from or n onneton wth n respet of Englnd Wles nd Sotlnd ut not the terrtorl ses djent thereto s defned y the Terrtorl Se At 1987: ny t of Terrorsm regrdless of ny other use or event ontrutng onurrently or n ny other sequene to the loss ny ton tken n ontrollng preventng suppressng or n ny wy reltng to ny t of Terrorsm In respet of ove n t of Terrorsm mens: Ats of persons tng on ehlf of or n onneton wth ny orgnston whh rres out tvtes dreted towrds the overthrowng or nfluenng y fore or volene of Her Mjesty s government n the Unted Kngdom or ny other government de jure or de fto. n respet of terrtores other thn those stted n ove: ny t of Terrorsm regrdless of ny other use or event ontrutng onurrently or n ny other sequene to the loss ny ton tken n ontrollng preventng suppressng or n ny wy reltng to ny t of Terrorsm rot or vl ommoton n Northern Irelnd In respet of ove n t of Terrorsm mens: Any t nludng ut not lmted to the use of fore or volene nd/or the thret thereof of ny person or group(s) of persons whether tng lone or on ehlf of or n onneton wth ny orgnston(s) or government(s) ommtted for poltl relgous deologl or smlr purposes nludng the ntenton to nfluene ny government nd/or to put the pul or ny seton of the pul n fer. 16 E Rsks loss of or dmge to ny omputer or other equpment or omponent or system or tem whh proesses stores trnsmts or retreves dt or ny prt of omputer or other equpment or omponent or system or tem whh proesses stores trnsmts or retreves dt whether tngle or ntngle (nludng ut wthout lmtton ny dt nformton or progrms or softwre) nd whether prt of the Insured Property or not used dretly or ndretly y Vrus or Smlr Mehnsm progrm ode progrmmng nstruton or ny set of nstrutons ntentonlly onstruted wth the lty to dmge nterfere wth or otherwse dversely ffet omputer progrms dt fles or opertons whether nvolvng self replton or not. Ths nludes ut s not lmted to vruses trojn horses worms nd log oms Hkng unuthorsed ess to ny omputer or other equpment or omponent or system or tem whether prt of the Insured Property or not whh proesses stores trnsmts or retreves dt ut ths Exluson shll not pply to susequent loss or dmge rsng from or used y fre lghtnng exploson rrft or other erl deves or rtles dropped therefrom rot vl ommoton strkers loked out workers persons tkng prt n lour dsturnes erthquke storm flood espe of wter from ny tnk pprtus or ppe or mpt y ny rod vehle or nml whh would ut for the pplton of ths Exluson e nsured y ths Poly. In ny ton sut or other proeedngs where the Insurers llege tht y reson of ths Exluson ny loss dmge or llty s not overed y ths Poly (or s overed only up to spefed Lmt of Llty) the urden of provng the ontrry shll e on the Insured. In the event ny prt of ths Exluson s found to e nvld or unenforele the remnder shll remn n full fore nd effet. 17

20 Contrtors All Rsks Poly Wordng Generl Condtons 1 Survey nd Rsk Improvement Sujetvty Condton It s Condton of ths Poly tht 3 Fr Presentton of the Rsk The Insured must mke fr presentton of the rsk to the Insurers t nepton renewl nd vrton of the Poly. the Insurers hve the rght to rry out survey of the rsks nsured t ny tme mutully greed wth the Insured The Insurers my vod the Poly nd refuse to py ny lms where ny flure to mke fr presentton s the Insured shll omply wth ll survey rsk requrements stpulted y the Insurers wthn the ompleton tme sles spefed y the Insurers. In the event tht rsk requrement s not ompleted or rsk requrement proedures re not ntrodued wthn the ompleton tme sles spefed y the Insurers then the Insurers reserve the rght to ether ontnue over sujet to lterton of the terms nd Condtons of suh over or to suspend over effetve from the expry of ny tme perod spefed y the Insurers for ompleton/ntroduton of the requred survey rsk mprovements untl suh rsk requrement s ompleted or rsk requrement proedures ntrodued. If the terms or Condtons of over re mended y the Insurers then the Insured wll hve fourteen (14) dys to ept or rejet the revsed ss of over. If the Insured elet to rejet the revsed ss of over then the Insured wll e enttled to refund of premum provded tht no lm hs een mde durng the urrent Perod of Insurne. If the Insurers exerse the rght to suspend over then the Insured wll e enttled to refund of premum n respet of suh perod tht over s suspended provded tht no lm hs een mde durng the urrent Perod of Insurne. All other terms nd Condtons of ths Poly shll pply to the extent tht they re not n onflt wth ths Condton. 2 Oservton of Poly Terms The llty of the Insurers wll e sujet to the Insured omplyng nd s pproprte ny other person enttled to ndemnty omplyng s though they were the Insured wth the terms of ths Poly. delerte or rekless or of suh other nture tht f the Insured hd mde fr presentton the Insurers would not hve ssued the Poly. The Insurers wll return the premum pd y the Insured unless the flure to mke fr presentton s delerte or rekless. If the Insurers would hve ssued the Poly on dfferent terms hd the Insured mde fr presentton the Insurer wll not vod the Poly (exept where the flure s delerte or rekless) ut the Insurers my nsted redue proportontely the mount pd or pyle on ny lm the proporton for whh the Insurers re lle eng lulted y omprng the premum tully hrged s perentge of the premum whh the Insurers would hve hrged hd the Insured mde fr presentton nd/or tret the Poly s f t hd nluded suh ddtonl terms (other thn those requrng pyment of premum) s the Insurers would hve mposed hd the Insured mde fr presentton. For the purposes of ths luse referenes to 1 vodng Poly mens tretng the Poly s f t hd not exsted from the nepton dte (where the flure to mke fr presentton of the rsk ours efore or t the nepton of the Poly) the renewl dte (where the flure ours t renewl of the Poly) or the vrton dte (where the flure ours when the Poly s vred) 2 refunds of premum should e treted s refunds of premum k to the nepton dte renewl dte or vrton dte s the ontext requres 3 ssung Poly should e treted s referenes to ssung the Poly t nepton renewng or vryng the Poly s the ontext requres. 18

21 Contrtors All Rsks Poly Wordng Generl Condtons ontnued 4 Alterton In Rsk The Insured must notfy the Insurers s soon s possle f durng the Perod of Insurne the usness s wound up or rred on y lqudtor or reever or permnently dsontnued the nterest of the Insured eses other thn y deth there s ny lterton to the fts or mtters set out n the Shedule or otherwse omprsng the rsk presentton mde y the Insured to the Insurers t nepton renewl or vrton of the Poly whh mterlly nreses the rsk of loss dmge ost or legl llty. Upon eng notfed of ny suh lterton the Insurers my t ther solute dsreton ontnue to provde over under ths Poly on the sme terms restrt the over provded under ths Poly mpose ddtonl terms v lter the premum v nel the Poly. If the Insured fls to notfy the Insurers of ny mterl lterton of the rsk the Insurers my 1 tret the Poly s f t hd ome to n end s t the dte of the lterton of the rsk returnng proportonte mount of the premum for the unexpred Perod of Insurne f the Insurers would hve nelled the Poly hd they known of the nrese n rsk 2 tret the Poly s f t hd ontned suh terms (other thn reltng to premum) or other restrtons (f ny) from the dte of the lterton n rsk s the Insurers would hve ppled hd they known of the nrese n rsk 3 redue proportontely the mount pd or pyle on ny lm the proporton for whh the Insurers re lle eng lulted y omprng the premum tully hrged s perentge of the premum whh the Insurers would hve hrged hd they known of the nrese n rsk. 5 Resonle Preutons It s ondton preedent to the llty of the Insurers tht the Insured shll tke ll resonle preutons to sfegurd the Insured Property gnst loss or dmge nd the Insured shll mntn the Insured Property n n effent ondton nd tke ll resonle steps to ensure tht ll Government nd other regultons reltng to the operton nd use of the Insured Property re oserved. 6 Suspenson of Cover If work on ontrt ste shll ese for perod n exess of nnety onseutve dys the ndemnty provded y the Insurers for loss of or dmge to Insured Property on tht ontrt ste shll e suspended t the end of the nneteth dy unless speflly greed y the Insurers nd stted n ths Poly. 7 Cnellton Other thn where Clms Condton 3 pples the Insurers my nel ths Poly y gvng the Insured thrty (30) lendr dys note n wrtng t ther lst known ddress. Provded the premum hs een pd n full nd no lm hs een mde durng the Perod of Insurne the Insured shll e enttled to proportonte rete of premum n respet of the unexpred perod of the nsurne. If the premum for ths Poly s pd y nstlments nd n the event tht the Insured fls to py one or more nstlments whether n full or n prt the Insurer my nel the Poly y gvng the Insured fourteen (14) lendr dys note n wrtng t ther lst known ddress. 8 Delrtons Where the premum s depost nd hs een lulted on estmtes suppled y the Insured they shll keep n urte reord of nformton on mtters for whh estmtes hve een gven. Ths reord shll e suppled to the Insurers wthn three months followng expry of the Perod of Insurne to enle the djustment of premum to e lulted. 19

22 Contrtors All Rsks Poly Wordng Generl Condtons ontnued 9 Adjustment of Premum If the premum lulted on the ss greed etween the Insurers nd the Insured on the delrtons mde for the Perod of Insurne exeeds or flls short of the depost then the Insured shll py or the Insurers shll refund the dfferene sujet to the mnmum premum retenton shown n the Shedule or f no mount s shown n the Shedule 75% (seventy fve perent) of the depost premum. 10 Jont Code of Prte The Insured undertkes to omply wth The Jont Code of Prte for the Proteton from Fre of Construton Stes nd Buldngs Undergong Renovton Seventh Edton dted My 2009 or susequent edton or verson (referred to s The Jont Code). The Insurers shll hve the rght t ll resonle tmes to enter nd nspet the ontrt ste for the purpose of hekng whether the ondtons omply wth The Jont Code. 12 Assgnment The Insured shll not ssgn ny of the rghts or enefts under ths Poly wthout the pror wrtten onsent of the Insurer. The Insurer wll not e ound to ept or e ffeted y ny note of trust hrge len or purported ssgnment or other delng wth or reltng to ths Poly. 13 Condtons Preedent If the Insured does not omply wth ny prt of ny ondton whh mkes pyment of lm ondtonl upon omplne wth t ( ondton preedent) the Insurers wll not py for ny lm exept tht where the ondton onerned opertes only n onneton wth prtulr premses or Lotons the Insurers wll py for lms rsng out of n event ourrng t other premses or Lotons whh re not spefed n the ondton In the event of reh of The Jont Code the Insurers wll nform the ste mngement of the Contrtor spefyng the nture of the reh the remedl mesures requred y the Insurers nd the perod wthn whh these must e ompleted. Where the Insurers onsder reh s of suffent mportne wrtten note shll e sent to the Employer nd the Contrtor t ther respetve ddresses y regstered post reorded postl delvery fsmle trnsmsson or y hnd. The note my suspend or nel over thrty (30) dys from the dte of the note. It eng understood tht followng suspenson over shll e renstted when the Insurers re stsfed tht remedl mesures hve een ompleted. In the event of nellton the Insurers gree to return to the Insured pro-rt proporton of the relevnt prt of the Poly premum. opertes only t prtulr tmes the Insurers wll py for ny lm where the Insured shows on the lne of proltes tht ts non-omplne wth the ondton dd not use or ontrute to the loss dmge ost or legl llty whh ourred would f ompled wth tend to redue prtulr types of loss dmge ost or legl llty or s the ontext my requre llty the Insurers wll py for ny lm where the Insured shows on the lne of proltes tht ts non-omplne wth the ondton dd not use or ontrute to the loss dmge ost or legl llty whh ourred. 11 Lw nd Lnguge Applle Unless the Insurers gree otherwse the lnguge of the Poly nd ll ommuntons reltng to t wll e n Englsh nd ll spets of the Poly nludng negotton nd performne re sujet to Englsh lw nd the desons of Englsh ourts. 20

23 Contrtors All Rsks Poly Wordng Clms Condtons 1 Clms Proedures In the event of ny ourrene gvng rse or lkely to gve rse to lm under ths Poly t s ondton preedent to the llty of the Insurers tht the Insured shll 2 Optons for Clms Settlement The Insurers my t ther opton repr renstte or reple tht whh s lost or dmged or py for the loss or dmge n money. t ther own expense delver to the Insurer wthn thrty (30) lendr dys fter suh ourrene (twenty eght (28) lendr dys n the se of loss or dmge y rot vl ommoton strkers loked-out workers persons tkng prt n lour dsturnes mlous persons or theft) or suh further tme s the Insurer my llow n wrtng 1 full nformton n wrtng of the Insured Property nd the mount of loss or dmge 2 detls of ny other nsurnes on the Insured Property overed y ths Poly If ny Insured Property s to e renstted or repled y the Insurers the Insured shll t ther own expense provde ll plns douments ooks nd nformton s my resonly e requred. The Insurers shll not e ound to renstte extly ut only s rumstnes permt nd n resonly suffent mnner. The Insurers shll not e lle for the ost of reprs undertken wthout ther wrtten onsent exept n urgent ses where t hs een neessry to put mnor reprs n hnd. Provded tht ll suh proof nd nformton reltng to the lm s my resonly e requred the requrements of Clms Condtons 1 nd 5 hve een ompled wth nd f requred sttutory delrton of the truth of the lm nd of ny mtters onneted wth t the reprs re rred out to the stsfton of the Insurers. d preserve ny dmged or defetve prts of Insured Property for nspeton y the representtves of the Insurers n the se of Insured Property lost stolen or wlfully dmged tke ll steps (nludng mmedte note to the Pole) to dsover ny gulty person nd reover the property rry out nd permt to e tken ny resonle ton to prevent further loss dmge llty or ost d Where loss or dmge s onfned to prt of the Insured Property the Insurers shll e lle for the vlue of tht prt plus the ost of ny neessry removl nd nstllton for whh the Insured s responsle. The Insured shll not e enttled to ndon ny property to the Insurers whether tken nto the possesson of the Insurers or not. e n the se of ny lm mde on the Insured y ny thrd prty forwrd every lm wrt or other doument mmedtely nd unknowledged to the Insurers f not py or offer or gree to py ny money or mke ny dmsson of llty wthout the pror onsent of the Insurers g furnsh t ther own expense ll prtulrs nd nformton s the Insurers requre h llow the Insurers n the nme of nd on ehlf of the Insured to tke over nd durng suh perods s they thnk proper to hve the solute ondut nd ontrol of ll negottons nd proeedngs whh my rse n respet of ny lm nd ts settlement nd the Insured shll gve the Insurers ll neessry ssstne for tht purpose. 21

24 Contrtors All Rsks Poly Wordng Clms Condtons ontnued 3 Frud If the Insured or nyone tng on the Insured s ehlf d mkes ny flse or frudulent lm mkes ny exggerted lm supports lm y flse or frudulent douments deves or sttements (whether or not the lm s tself genune) or mkes lm for loss or dmge whh the Insured or nyone tng on the Insured s ehlf delertely used the Insurers wll refuse to py the whole of the lm nd reover from the Insured ny sums tht they hve lredy pd n respet of the lm. The Insurers my lso notfy the Insured tht they wll e tretng the Poly s hvng termnted wth effet from the dte of the erlest of ny of the ts set out n su-luses d ove. In tht event the Insured wll 1 hve no over under the Poly from the dte of the termnton nd 2 not e enttled to ny refund of premum. 4 Other Insurnes The Insurers wll not ndemnfy the Insured n respet of loss of or dmge to Insured Property whh s nsured y or would ut for the exstene of ths Poly e nsured y ny other poly exept n respet of ny exess eyond the mount pyle under the other poly or whh would hve een pyle under the other poly hd ths nsurne not een effeted. 5 Surogton Any lmnt under ths Poly shll t the request nd expense of the Insurers tke or permt to e tken ll neessry steps for enforng rghts gnst ny other prty n the nme of the Insured efore or fter ny pyment s mde y the Insurers. 6 Artrton If ny dfferene rses s to the mount pd under ths Poly suh dfferene shll e referred to n rtrtor to e pponted y the prtes n ordne wth sttutory provsons. Where ny dfferene s y ths Condton to e referred to rtrton the mkng of the wrd shll e ondton preedent to ny rght of ton gnst the Insurers. 22

25 Contrtors All Rsks Poly Wordng Clms Condtons ontnued 7 Housng Grnts Construton nd Regenerton At 1996 In the event of onstruton ontrt dspute eng referred to n djudton proedure tht omples wth the provsons of the Housng Grnts Construton nd Regenerton At 1996 the followng terms nd ondtons wll pply. 8 Reprle Dmge The Insurers wll not mke deduton for wer nd ter gnst the ost of reprle dmge to Contrtors Plnt or Temporry Buldngs less thn twelve (12) months old provded tht the ost of repr does not exeed the mrket vlue of the tem t the tme of the loss or dmge. If dspute reltes to loss or dmge whh my e the sujet of lm under ths Poly the Insured shll forwrd to the Insurers wthn three workng dys of reept or s soon s resonly prtle note of n ntenton y nother prty to refer the dspute to djudton the Insured shll provde pror note to the Insurers of ny ntenton y them to refer ny dspute to djudton. d e f The Insured shll o-operte wth the Insurers n the ondut of the djudton. Appontments mde y the Insurers shll e t the Insurers expense. The Insured shll not ept n wrd mde y the djudtor to the dspute s eng fnl wthout the pror onsent of the Insurers. The Insurers wll ndemnfy the Insured gnst prtl or full wrd mde y the djudtor to the extent tht ths Poly llows. Pyment mde y the Insurers n respet of n wrd shll e mde wthout prejude to ny rghts of surogton tht the Insurers my possess. The Insured shll nsttute legl proeedngs or rtrton n ordne wth the terms of the orgnl Contrt to hllenge or reopen or sty the enforement of suh djudtors deson f resonly requested to do so y the Insurers. The Insurers wll ppont pproprte dvsers s they deem neessry to hve pproprte ondut of the proeedngs. Any of these mesures tken shll e t the Insurers expense. All other terms nd Condtons of ths Poly shll pply to the extent tht they re not n onflt wth ths luse. 23

26 Contrtors All Rsks Poly Wordng Complnts Proedure Notfyng Clm Our m s to get t rght, frst tme every tme. If you hve omplnt we wll try to resolve t strght wy ut f we re unle to we wll onfrm we hve reeved your omplnt wthn fve workng dys nd do our est to resolve the prolem wthn four weeks. If we nnot we wll let you know when n nswer my e expeted. If we hve not resolved the stuton wthn eght weeks we wll ssue you wth nformton out the Fnnl Omudsmn Serve (FOS) whh offers free, ndependent omplnt resoluton serve. If you hve omplnt, plese ontt our Customer Stsfton Mnger t: Customer Stsfton Mnger, Allnz Engneerng, Hed Offe Hslemere Rod, Lphook, Hmpshre, GU30 7UN Telephone: Fx: Eml: ustomer.stsfton@llnz.o.uk You hve the rght to refer your omplnt to the Fnnl Omudsmn, free of hrge ut you must do so wthn sx months of the dte of the fnl response letter. If you do not refer your omplnt n tme, the Omudsmn wll not hve our permsson to onsder your omplnt nd so wll only e le to do so n very lmted rumstnes. For exmple, f the Omudsmn eleves tht the dely ws s result of exeptonl rumstnes. The Fnnl Omudsmn Serve, Exhnge Tower, London, E14 9SR Weste: Telephone: or Eml: omplnt.nfo@fnnl-omudsmn.org.uk Clms under ths Poly should e notfed to the Insurers n ordne wth the Clms Condtons of the Poly t the followng Allnz Offe. Plese provde your Poly numer nd s muh nformton s possle out the lm: Allnz Engneerng Clms Deprtment Hslemere Rod Lphook Hmpshre GU30 7UN Tel: Eml: lms@llnzengneerng.o.uk Lnes re open from 9m to 5pm Mondy to Frdy Fnnl Serves Compenston Sheme Allnz Insurne pl ontrutes to the Fnnl Serves Compenston Sheme (FSCS). You (the Insured) my e enttled to ompenston from the FSCS f we (the Insurers) re unle to meet our lltes. Further nformton out ompenston sheme rrngements s vlle t y emlng enqures@fss.org.uk or y phonng the FSCS on or Usng our omplnts proedure or onttng the FOS does not ffet your legl rghts. The Europen Commsson hs n onlne dspute resoluton serve for onsumers who hve omplnt out produt or serve ought onlne. If you hoose to sumt your omplnt ths wy t wll e forwrded to the Fnnl Omudsmn Serve. Vst to ess the Onlne Dspute Resoluton Serve. Plese quote our e-ml ddress: ustomer.stsfton@llnz.o.uk. Alterntvely, you n ontt the Fnnl Omudsmn Serve dretly. 24

27 Contrtors All Rsks Poly Wordng Fr Proessng Note how we use personl nformton 1. Who we re When we refer to we, us nd our n ths note t mens Allnz Insurne pl or Allnz Engneerng Inspeton Serves Lmted. When we sy, ndvduls n ths note, we men nyone whose personl nformton we my ollet, nludng: nyone seekng n nsurne quote from us or whose detls re provded durng the quotton proess polyholders nd nyone nmed on or overed y the poly nyone who my eneft from or e dretly nvolved n the poly or lm, nludng lmnts nd wtnesses. 2. How we use personl nformton We use personl nformton n the followng wys: to provde quotes, dmnster poles nd polyholder lms to fulfl our ontrt to dmnster thrd prty lms nd prevent fnnl rme to meet our legl olgtons to mnge our usness nd ondut mrket reserh to meet the legtmte needs of our usness to send mrketng nformton out our produts nd serves f we hve reeved spef onsent. There s no olgton to provde us wth personl nformton, ut we nnot provde our produts nd serves wthout t. Anyone whose personl nformton we hold hs the rght to ojet to us usng t. They n do ths t ny tme y tellng us nd we wll onsder the request nd ether stop usng ther personl nformton or expln why we re not le to. Further detls n e found elow. 3. Automted deson mkng, nludng proflng We my use utomted deson mkng, nludng proflng, to ssess nsurne rsks nd dmnster poles. Ths helps us dede whether to offer nsurne, determne pres nd vldte lms. Anyone sujet to n utomted deson hs the rght to ojet to t. To do so they should ontt us y emlng us t sm@llnz.o.uk nd we wll revew the deson. 4. The personl nformton we ollet We ollet the followng types of personl nformton so we n omplete the tvtes n seton 2, How we use personl nformton : s personl detls suh s nme, ge, ddress nd gender fmly, lfestyle nd sol rumstnes, suh s mrtl sttus, dependnts nd employment type fnnl detls suh s dret det or pyment rd nformton photogrphs nd/or vdeo to help us mnge poles nd ssess lms trkng nd loton nformton f t s relevnt to the nsurne poly or lm dentfton heks nd kground nsurne rsk detls nludng prevous lms nformton medl nformton f t s relevnt to the nsurne poly or lm rmnl onvtons f t s relevnt to the nsurne poly or lm esslty detls f we need to mke resonle djustments to help usness tvtes suh s goods nd serves offered. 5. Where we ollet personl nformton Dret from ndvduls, ther representtves or nformton they hve mde pul, for exmple, on sol med. From other persons or orgnstons, for exmple: redt referene nd/or frud preventon genes emergeny serves, lw enforement genes, medl nd legl prtes nsurne ndustry regsters nd dtses used to detet nd prevent nsurne frud, for exmple, the Motor Insurne Dtse (MID), the Motor Insurers Ant-Frud nd Theft Regster (MIAFTR) nd the Clms nd Underwrtng Exhnge (CUE) nsurne nvestgtors nd lms serve provders other nsurers or serve provders who underwrte the nsurne or provde the serves for our produts other nvolved prtes, for exmple, lmnts or wtnesses. 25