Residential Landlords Insurance Policy Document

Transcription

1 Resdentl Lndlords Insurne Poly Doument Generl Insurng Cluse Ths poly, the Sttement of Fts, the Shedule (nludng ny Shedule ssued n ddton or susttuton) nd ny Endorsements or Memornd shll e onsdered one doument nd ny word or expresson to whh spef menng hs een tthed shll er suh menng wherever t ppers. The Insured nmed n the Shedule: 1. hvng mde to the Insurers Sttement of Fts nd/or hvng provded to the Insurers nformton, the truth of the representtons, delrtons nd nformton ontned theren eng greed to e the ss of ths Insurne nd to e onsdered norported heren;nd, 2. hvngpd or greed topy the Premum; the Insurers herey ound shll y pyment, or t ther opton y rensttement or repr, ndemnfy the Insured to the extent herefter desred n respet of loss, destruton or dmge, dent or Injury ourrng durng the Perod of Insurne sujet to the lmts, terms, ondtons nd exlusons ontned heren or endorsed hereon. Clms Proedure If ny ndent ours tht mght result n lm plese ontt our lms tem SmplyBusness ClmsTem PO Box76 Crdff CF11 1JX Alterntvely notfy us y eml t smplyusness@l-uk.om or ll to sumt your lm. You should refer to Generl Condton 1 on pge 28 for full detls of the lms proedure nd ondtons. Fnsury Insurne Group Resdentl Lndlord Poly Wordng FALL Pge 1 of 35

2 Poly Informton for the Polyholder Not formng prt of ths Insurne poly Ths poly hs een prepred n ordne wth Your nstrutons. It s legl ontrt. Plese red t refully to ensure tht t s n ordne wth Your requrements nd tht You understnd ts lmts, terms, ondtons nd exlusons. You should ontt Smply Busness f ny orreton s neessry. Ths poly onssts of: the Introduton whh explns the ss on whh over s provded; the Shedule, whh sttes who s the Insured, the Busness eng overed nd other prtulrs, suh s the Perod of Insurne nd detls of whh Setons re opertve. It lso shows suh detls s the property or ourrenes nsured, lmts of llty, nd mtters nd mounts for whh the Insured s responsle; Defntons, whh defne prtulr words nd expressons pplyng to the whole of ths poly or, where speflly stted, pplyng to prtulr Seton; the Setons of the poly whh gve prese detls of the over eng provded; the Generl Condtons nd Generl Exlusons of over pplyng to the whole of ths poly or, where speflly stted, pplyng to prtulrseton; ny Endorsement(s) whh mght pply to the poly or ndvdul Setons, whhnorporte extensons, lmttons, mendments, nd suh lke. Youshould mmedtely notfy the Insurers v SmplyBusness of ny hnges whh my ffetthe nsurne provded y thspoly. Altertons n the over requred fter ssue of the poly wll e onfrmed y seprte Shedule(s) nd/or Endorsement(s) whh You should fle wth the poly. You should refer to these Shedules nd/or Endorsement(s) nd the poly to sertn prese detls of over urrently n fore. Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 2 of 35

3 Contents Pge Generl Insurng Cluse nd Clms Proedure Poly Informton for the Polyholder Poly Admnstrton Generl Defntons Seton 1 Property Dmge All Rsks Seton 2Terrorsm Seton 3 Employers Llty Seton 4 Property Owners Llty Generl Condtons Generl Exlusons Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 3 of 35

4 Poly Admnstrton The Contrt of Insurne Your poly s ontrt etween Us AXA Insurne UK pl nd Gret Lkes Insurne SE nd You. The proposl form nd delrton or sttement of fts whh You hve epted wll e the ss of the ontrt. Sujet to the terms nd exeptons ontned n or endorsed on the poly, nreturn for You hvng pd the premum We wll ndemnfy you for losses ourrngdurng the Perod of Insurne tht re overed y the Setons of over whh hve nmount enteredgnst themnthe Shedule. Where the terms not overed, not nluded N/ or nythng else of thesme orgn or menng sshown, no over shll e grnted. Sope of Cover Ths poly pples nrespet of Your tvtes nywhere n Terrtorl Lmts nrespet of Busness onduted y You or Your ompnes lsted n the Shedule from the ddresses shown nthe Shedule. Thrd Prtes A person who s not prty to ths ontrt hs no rght under the Contrts (Rghts of Thrd Prtes) At 1999 to enfore ny term of ths greement ut ths does not ffet ny rght or remedy of thrd prty whh exsts or s vlle prt from the At. Termnton If You wsh to termnte the over provded y ths poly t ny tme fter over hs ommened You should return ll douments to Smply Busness. If there hs een n nsured event or rumstne tht mght gve rse to lm (whether reported to Us or not) We shll e under no olgton to mke ny return of Premum. We my t ny tme nel ths poly (or ny Seton thereof) y gvng 30 (thrty) dys note y regstered post to You t Your lst known ddress nd n suh event You shll eome enttled to the return of proportonte prt of the Premum orrespondng to the unexpred porton of the nsurne. Where the Premum s pd y You y mens of premum nstlment flty t s Condton Preedent to Our llty tht eh nstlment shll e pd when due otherwse ll eneft under ths poly shll e forfeted nd ths poly shll e nelled from the dte when ny unpd nstlment ws due nd You shll surrender forthwth to Us ny effetve poly of nsurne whereupon We wll redt to You pro rt Premum for the unexpred prt of the Perod of Insurne provded tht no lms hve een reported to Us sne the nepton of suh Perod of Insurne. We reserve the rght totermnte ths poly mmedtely nthe event of non-pyment of the Premumor defult under ny nstlment sheme or lnked redt trnston. No refund wll e mde to You of ny nstlment pd. Full detls of mnmum Seton Premums my eotnednwrtngfrom Us. Complnts nd Enqures We re dedted to provdng the hghest possle level of ustomer stsfton n ll res of Our usness. If for ny reson You hve query or feel tht the serve You reeve hs fllen elow those stndrds You should report ths to Us t one. All omplnts wll e hndled promptly nd poly of open ommunton wll edopted Any enqury or omplnt should e ddressed nthe frstnstne to Smply Busness Complnts Tem Sute 401, Sol House 29 St Kthernes Street Northmpton NN1 2QZ T: E: ustomerserves@smplyusness.o.uk Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 4 of 35

5 If we re unle to respond to your omplnt wthn 8 weeks or f you remn dsstsfed, You my e le to refer Your omplnt to the Fnnl Omudsmn Serve. Ther ddress s The Fnnl Omudsmn Serve Exhnge Tower London E14 9SR Tel or / Fx / eml omplnt.nfo@fnnl-omudsmn.org.uk Whlst We re ound y the deson of the Fnnl Omudsmn Serve, You re not. Followng the omplnts proedure does not ffet Your rght to tke legl ton. You my e enttled to ompenston from the Fnnl Serves Compenston Sheme (FSCS), should AXA Insurne UK pl nd Gret Lkes Insurne SE e unle to meet ther lltes under ths Doument of Insurne. Ths depends on the type of usness nd the rumstnes of the lm For ompulsory lsses of nsurne the dvsng nd rrngng of nsurne s overed for 100% of the lm For other lsses of nsurne the dvsng nd rrngng of nsurne s overed for 100% of the frst GBP 2,000 of lm nd 90% of the remnder of the lm There s no upper lmt n ether se Further nformtonout the ompenston shemes vlle fromthe FSCS.The ontt detls re Fnnl Serves Compenston Sheme 10th Floor Beufort House 15 St Botolph Street London EC3A 7QU T: or E: enqures@fss.org.uk Weste: AXA Insurne UK pl re uthorsed y the Prudentl Regulton Authorty nd regulted y the Fnnl Condut Authorty nd the Prudentl Regulton Authorty. Gret Lkes Insurne SE re sujet to lmted regulton y the Fnnl Condut Authorty nd the Prudentl Regulton Authorty, whose ddresses re elow: The Fnnl Condut Authorty 25 The North Colonnde Cnry Whrf London E14 5HS The Prudentl Regulton Authorty Bnk of Englnd Thredneedle Street London EC2R 8AH Gret Lkes Insurne SE s Germn nsurne ompny wth ts hedqurters t Köngnstrsse 107, Munh. UK Brnh offe: Plntton Ple, 30 Fenhurh Street, London, EC3M 3AJ. Gret Lkes Insurne SE, UK Brnh, s uthorsed y Bundesnstlt für Fnnzdenstlestungsufsht nd sujet to lmted regulton y the Fnnl Condut Authorty nd Prudentl Regulton Authorty. Detls out the extent of our regulton y the Fnnl Condut Authorty nd Prudentl Regulton Authorty re vlle from us on request. Who Is Your Insurer? As set out n the Premle ove Your Insurers re AXA Insurne UK pl, whose regstered offe ddress s 5 Old Brod Street, London, EC2N 1AD nd Gret Lkes Insurne SE, whose UK rnh ddress s Plntton Ple, 30 Fenhurh Street, London, EC3M 3AJ nd s rrnged under ndng uthorty from the Insurers y Smply Busness, whose regstered offe ddress s 6th Floor, 99 Greshm Street, London, EC2V 7NG. Ax Insurne UK pl, s uthorsed y the Prudentl Regulton Authorty nd regulted y the Fnnl Condut Authorty nd the Prudentl Regulton Authorty. FRN Ths n e heked on the Fnnl Serves Regster t or y llng them on Gret Lkes Insurne SE s Germn nsurne ompny wth ts hedqurters t Köngnstrsse 107, Munh. UK Brnh offe: Plntton Ple, 30 Fenhurh Street, London, EC3M 3AJ. Gret Lkes Insurne SE, UK Brnh, s uthorsed y Bundesnstlt für Fnnzdenstlestungsufsht nd sujet to lmted regulton y the Fnnl Condut Authorty nd Prudentl Regulton Authorty. Detls out the extent of our regulton y the Fnnl Condut Authorty nd Prudentl Regulton Authorty re vlle from us on request. Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 5 of 35

6 Smply Busness s uthorsed nd regulted y the Fnnl Condut Authorty. FRN Ths n e heked on the Fnnl Serves Regster t or y llng them on Use of Lnguge Unless otherwse greed the ontrtul terms nd ondtons nd other nformton reltng to ths ontrt wll e n Englsh. Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 6 of 35

7 Generl Defntons TheseDefntons repplletothewholepolyor,wherespefllystted,toprtulrsetonofthepolywhereverthewordsppern tlsstrtng wth ptl letter.these Defntons re sujettotheterms, ondtons,lmtsndexlusonsof the poly. A Addtonl Insured mens 1 The personl representtves of the Insured n respet of legl llty nurred y the Insured gnst legl llty n respet of whh the Insured would hve een enttled to ndemnty under ths poly f the lm for whh ndemnty s sought hd een mde gnst the Insured; 2 Any dretor or prtner of the Insured or Person Employed n respet of prvte work undertken y ny Person Employed for suh dretor, prtner or Person Employed wththepror onsent of theinsured; eh of whom shll s f they were the Insured e sujet to the lmts, terms, ondtons nd exlusons ontned n ths polysofrs theyn pply. Annul Rent Reevle mens Rent Reevle durng the 12 (twelve) months mmedtely efore the dte of the Indent. Annul Rent Reevle nd Stndrd Rent Reevle re sujet to suh djustments s my e neessry to provde for the trend of the Busness nd for vrtons n or other rumstnes ffetng the Busness, ether efore or fter the dte of the Indent or whh would hve ffeted the Busness hd the Indent not ourred, so tht the fgures thus djusted shll represent s nerly s my e resonly prtle the results whh ut for the Indent would hve een otned durng the reltve perod fter the dte of the Indent. Audtor s Fees mens neessry nd resonle fees pyle y the Insured to ts udtors or professonl ountnts for produng suh prtulrs or detls ontned n the Insured s ooks of ount or other usness douments, or suh other proofs, nformton or evdene s my e requred y the Insurers. B Brekdown mens the flure of ny prt or ll of the Computer Equpment owned, lesed, hred or rented y the Insured. Buldng(s) mens the uldngs, Outuldngs, nnexes, onvenenes, extensons nd su-sttons t the Premses nd shll nlude:. lndlord s fxtures nd fttngs;. property omprsng fxtures nd fttngs formerly the property of tennts, whh hs een relnqushed to the Insured;. ll foundtons or footngs unless otherwseexluded; d. wlls, gtes, fenes, foreourts, r prks, drvewys nd serve res; e. nd for whh the Insured s responsle:. ll fxed glss n wndows, doors, fnlghts, skylghts nd prttons nd fxed sntry fttngs;.. v. rods, pvements, ssoted lmp-posts nd other street furnture; fxed fuel ol tnks, fxed desel fuel tnks nd fxed lquefed petroleum gstnks; seurty lghtng, seurty mers nd other seurty deves, fre proteton deves, sgns, ommunton erls nd smlr deves; v. lndspng, externl trees nd plnts, plnters, ornmentl feturesnd sttues; v. tenns ourts, swmmng pools nd roof grdens pplle to loks of flts nd ndvdul prvte dwellngs only. Busness mens Your ownershp nd mngement of the Premses, nludng: 1. the ownershp, repr, mntenne nd deorton of the Insured s Premses; 2. the provson nd mngement of nteen, sol, sports nd welfre orgnstons for the eneft of ny Person Employed nd frst d, fre, medl nd seurty serves; 3. prvte work undertken y ny Person Employed for ny dretor, prtner of the Insured or Person Employed wth the pror onsent of the Insured. Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 7 of 35

8 C Computer Equpment mens Hrdwre, Perpherl Equpment nd Anllry Equpment nludng ny equpment, whh hvng more thn one funton, n e used s Computer Equpment. Computer Reord mens unt of Eletron Dt representng prtulr trnston or nter-relted dt whh desres n event, person or otherentty. Condton Preedent mens ondton whh must e ompled wth efore We re to e lle for lm. Contents mens the ontents of ommon prts, nludng ftted rpets nd, for whh the Insured s responsle, furnture, furnshngs, potted plnts nd ther ontners, fxtures nd fttngs nd sgns, ontents of fxed fuel ol tnks, ontents of fxed lquefed petroleum gs tnks nd ontents of fxed desel fuel tnks, refuse dsposl ns nd skps, whlst ontnedn or out thebuldng(s)nsuredyths poly. Consequentl Loss mens loss resultng from nterrupton of or nterferene wth the Busness rred on y the Insured t the Premses n onsequene of dentl loss of or destruton of or dmge to property used y the Insured t the Premses for the purpose of the Busness. Corrupton mens the loss, dstorton, orrupton or ersure of ny softwre Progrmme(s) or dt formng prt of the Dt Med. Costs mens up to the Lmt of Cover:. feesforyourleglrepresenttont:. ny Coroner's Inquest or Ftl Adent Inqury; or. proeedngs n ny Court of Summry Jursdton rsng out of ny lleged reh of sttutory duty; nd. osts nd expenses nurred wth Our wrtten onsent; nd. ny lmnt's legl osts for whh You re leglly lle n onneton wth ny event whh We wll or my py for under ths Seton D Dmge/Dmged mens dentl physl loss of, destruton of or dmge to the Property Insured. Dmge to Property mens physl loss of, destruton of or dmge to mterl property. Dt Med mens dt rryng mterls of ll types (other thn pper reords) oth urrent nd k-up norportng ny stored Progrmme(s) nd/or Eletron Dt tht s the property of the Insuredorslesed, hred, rentedorlensedtotheinsured. Ders Removl mens osts nd expenses neessrly nd resonly nurred ytheinsured wththeproronsent of theinsurers to: 1. remove dersfrom; 2. dsmntle nd/ordemolsh; 3. shore-up or prop up; the porton or portons of the Property Insured followng Dmge. The Insurers wll not py for ny osts or expenses: 1. nurred n removng ders exept from the ste of the Property Insured nd the re mmedtely djent tosuhste; 2. rsng from polluton or ontmnton of property not nsuredyths poly. Defned Perl mens 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, tempest, Flood, espe of wter from ny tnk, pprtus or ppeormpt y nyvehleor nml. Denl of ess mens preventon or hndrne of the use of the Premses or ess thereto, whether the Premses or Property Insured e Dmged or not, or used y Dmge to property nthe vnty ofthepremses. Denl of Serve Attk mens ny tons or nstrutons onstruted or generted wth the lty to dmge, nterfere wth or otherwse ffet the vllty of networks, network serves, network onnetvty or nformton systems. Denl of Serve Attk nludes, ut s not lmted to, the generton of exess trff nto network ddresses, the explotton of system or network weknesses nd the generton of exess or non-genune trff etween nd mongstnetworks. Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 8 of 35

9 E Eletron Dt mens fts, onepts nd nformton onverted to form usele for ommuntons, nterpretton or proessng y eletron nd eletromehnl dt proessng or eletronlly ontrolled equpment nd nludes Progrmme(s), Softwre nd other oded nstrutons for the proessng nd mnpulton of dt or the dreton nd mnpulton of suh equpment. Employee See PersonEmployed Event [Seton 1 4] mens ny ourrene, nludngthe ontnuous or repeted njurous exposure to sustntlly the sme generl ondtons, whh results n dentl Injury or Dmge topropertyor Nusne. All Events orseresof Events onsequent upon or ttrutle to one soure or orgnl use shll e regrded s sngle Event for the purposes of thspoly. Exess [Setons 1 to 2] mens the mounts s stted ether n ths poly wordng or n the Shedule, s pplle, tht re to e deduted from ny loss nd whh mount shll e orne y the Insured. Under Seton 1 Property Dmge All Rsks ths shll pply to eh loss t eh Premses fter the pplton of ny Averge(undernsurne) Condton. [Setons 3 nd 4] mens the mounts s stted n the Shedule, whh the Insured shll py n respet of ll dmges, ompenston, lmnt s osts, Legl Costs nd expenses efore the Insurers shll e lle to mke ny pyment. The Exessshllpplyto eh Eventother thn legl llty rsng out of Injury unless otherwse stted n the Shedule. Flood mens ny surfe wter; tdl or sesm se wve; tsunm; storm surge, nludng ut not lmted to the rush of wter over or onto lnd from ny ody of wter used y hgh wnds ssoted wth ylone, tropl storm, hurrne or ny other storm nd seondrly y the low pressure of the storm; rsng (nludng overflowng or rekng of oundres) of ny ody of wter, nludng ut not lmted to ses, oens, reservors, lkes, strems, rvers, ponds nd hrours; ll whether nturl or mn-mde nd whether drven y wnd or not, nd nludng spry from ny of the foregong tht results from, ontrutes to, or s ggrvted y ny of the ove whether nturl ormn-mde. Flood lso nludes Dmge from wter whh ks up through sewers or drns tht re elow ground level s result of Flood Fungl Pthogens mens ny fungus or myot or ny y-produt or type of nfestton produed y suh fungus or myot nludng ut not lmted to mould, mldew, myotoxns, spores or ny ogen erosols. G Governng Lw Ths poly shll e governed y nd onstrued n ordne wththe lws of Englnd ndwles. F Fxtures nd fttng(s) mens tems fxed to nd formng prt of the struture of the Premses suh tht removl would use dmge to the Premses nludng:. deortons nludng wll pper, murls nd stenllng;. throom sutes;. ftted kthens; d. ftted edroom furnture; e. hrd, vnyl orlmntefloorng f. Aerls nd stellte dshes provded for the exlusve use of the Premses ut not ny multproperty ommunl system Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 9 of 35

10 H Hkng mens unuthorsed ess to ny omputer or other equpment or omponent or system or tem whh proesses, stores or retrevesdt, whether or not the property of the Insured. Hrdwre mens the physl equpment or unts tht mke up the Computer Equpment. I Indent mens loss or destruton of or dmge to property used y the Insured t the Premses for the purpose of the Busness. Indemnty Perod mens the perod egnnng wth the ourrene of the Indent nd endng not lter thn the end of the Mxmum Indemnty Perod therefter durng whh the results of the Busness shll e ffeted n onsequene of the Indent. Informton mensproessed dt. Injury mens odly njury, deth, dsese (or skness), llness, nervous shok ormentl njury. Insured. the person ompny prtnershp or unnorported ssoton spefed n the Shedule s the Polyholder; or. ny person who s the prtner dretor prnpl or Employee of the person ompny prtnershp or unnorported ssoton spefed n the Shedule s the Polyholder ut only n respet of ther employment y the Polyholder; or. n Exeutor or Admnstrtor of ny person referred ton ) or ) ove Insurers mens AXA Insurne UK pl nd Gret Lkes Insurne SE Intruder Alrm System mens n eletrl nstllton to detet nd ndte the presene, entry or ttempted entry of n ntruder nto Proteted Premses. K Keyholder mens the Insured or ny person or keyholdng ompny uthorsed y the Insured who must e vlle t ll tmes to ept notfton of fults or lrm sgnls reltng to the IntruderAlrmSystem,ttend,nd llow essto thepremses. Fnsury Insurne Group Resdentl Lndlord PolyWordngFALL Pge 9 of 35

11 L Legl Costs mens M 1. osts of legl representtont:. ny oroners nquest or ftl dent nqury n respet of nydeth;. proeedngs n ny ourt rsng out of ny lleged reh of sttutory duty resultng n ny Event; whh my e the sujet of ndemnty under Setons 3 nd 4of ths poly; 2. ll other legl osts nd expenses n relton to ny Event whh my form the sujet of lm for ndemntyunder Setons 3or4of ths poly; nurred wth the wrttenonsent of the Insurers. Mxmum Indemnty Perod mens the numer of months s stted n the Shedule of Lotons tthng to nd formng prt of ths poly. Money mens money tht s the property of the Insured or for whh theinsureds legllyresponsletht s ether: N 1. negotle nstruments whh must e urrent onge, nk nd urreny notes, unrossed heques, Gro heques, unrossed postl nd money orders, unexpred unts n frnkng mhnes, unused postge stmps, revenue stmps, Ntonl Svngs nd Ntonl Insurne stmps, usness trvel tkets, lunheon nd ustomer redempton vouhers, trdng stmps, holdy-wth-py stmps, lls of exhnge, promssory notes, trveller s heques, dvdend wrrnts, gft tokens, sles vouhers, lnd regstry stmps or telephone rds; or 2. non-negotle nstruments whh must e ny rossed nstrument eng heque, moneyor postl order, trvellers heque, Gro drft, nker s drft, Ntonl Svngs Certftes, premum onds, redt rds nd reservton vouhers, VAT purhse nvoes, used Ntonl Insurne stmps, stmped Ntonl Insurne rds, redt nd hrge rd ounterfols, or stmped penson rds. Nusne mens nusne, trespss or nterferene wth ny esement; rght of r; rght of lght; rght of wter; rght of wy. O Ourrene mens ny one loss or seres of losses onsequent upon or ttrutle to one soure or orgnl use. [Seton 2] mens ll ndvdul losses rsng durng ontnuous perod of 72 (seventy two) hours of whh the proxmte use s the sme At of Terrorsm. Offshore mens from the tme of emrkton onto onveyne t the pont of fnl deprture to ny Offshore nstllton, nludng ut not lmted to ny Offshore rg or pltform, whlst on ny Offshore nstllton or support or ommodton vessel for n Offshore nstllton, untl dsemrkton onto lnd upon return from suh nstllton. Outuldngs mens ny uldng tht s susdry to the Buldng, whh does not norporte permnent foundtons elow ground level nd whh s not ple of eng properly seured, nludng ut not lmted to ny stle, grge, shed, hut, len-to, greenhouse, hy loft orrn. P Perod of Insurne mens the perod s stted n the Shedule. Perpherl Equpment mens Hrdwre not ontned wthn the mn proessng omputer suh s ut not lmted to termnls, modems, lol re network lng nd nfrstruture, seprte storge deves nd other deves tht n e operted under omputer ontrol. Person Employed mens 1. Person under ontrt of serve or pprenteshp wth theinsured; 2. Lour mster or lour only su-ontrtor or personsuppledynyof them; 3. Self-employed person; 4. Person hredtoororrowed ytheinsured; 5. Person undertkng study or work experene; 6. Person suppled to the Insured under ontrt or greement, the terms of whh deem suh person to e ntheemployment of the Insured; 7. Voluntry worker or temporryworker; 8. Drver or opertor of plnt hred y the Insured under Contrtors Plnt Hre Assoton or smlr ondtons; whle workng under the ontrol of the Insured n onneton wth the Busness. Pollutnts mens ny sold, lqud, gseous or therml rrtnt or ontmnnt, nludng ut not lmted to smoke, vpour, soot, fumes, ds, lkls, hemls nd wste. Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 10 of 35

12 Polluton or Contmnton mens polluton or ontmnton of uldng(s) or other strutures, or of wter or lnd, or the tmosphere nd ll loss or destruton or dmge or Injury dretly or ndretly used y suh polluton or ontmnton. Premses mens the loton(s) s stted n the Shedule used y the Insured for the purposes of the Busness. Premum mens the mount spefed n the Shedule. Produt(s) mens ny ommodtes, rtles or thngs nludng pkgng, ontners nd lels sold, suppled, dstruted, ereted, repred, ltered, treted, nstlled, proessed, mnuftured or tested y or on ehlf of the Insured nd no longernthepossessonof,orundertheontrolof,theinsured. Professonl Fees mens rhtets, surveyors, onsultng engneers nd legl fees neessrly nd resonly nurred wth the Insurers onsent n the rensttement of the Property Insured dretly onsequent upon ts Dmge y n event nsured herey ut not for the preprton of ny lm. The mount pyle for suh fees shll not exeedthose uthorsed under the sles of the professonl nsttutons nd/or odes regultng suh hrges prevlng t the tme of the Dmge, nd the mount pyle under ny Item nludng or onsstng of Professonl Fees shll not exeed n totl ts Sum Insured. Progrmme(s) mens the set of nstrutons sgnfnt to the omputer s entrl proessor whh s omposed to enle user to heve the desred result wth dt nput y the user. Property Insured mens the sujet mtter nsured s stted n Seton 1 nd n the Shedule, ut not ntelletulproperty. Proteted Premses mens the Premses or those portons of the Premses proteted y the Intruder Alrm System. R Rent Reevle mens the money pd or pyle to the Insured for the lettng of the Premses provded n the ourse of the Busness nludng serve hrges nd other nome for the use of the Premses ndserves provded n onneton therewth. Responsle Person mens the Insured or ny other person uthorsed y the Insured to e responsle for the seurty of the Premses. S Shedule mens the Shedule of Insurne tthng to nd formng prt of thspoly. Softwre mens ny Progrmme(s) whh s/re hrtersed s systems nd/or pplton softwre nd whh s/re desgned tonvoke proessng nd/or fltte the wrtng of ny Progrmme(s). Stndrd Rent Reevle mens the Rent Reevle durng tht perod n the 12(twelve) months mmedtely efore the dte of the Indent whh orresponds wth the Indemnty Perod. Annul Rent Reevle nd Stndrd Rent Reevle re sujet to suh djustments s my e neessry to provde for the trend of the Busness nd for vrtons n or other rumstnes ffetng the Busness, ether efore or fter the dte of the Indent or whh would hve ffeted the Busness hd the Indent not ourred, so tht the fgures thus djusted shll represent s nerly s my e resonly prtle the results whh ut for the Indent would hve een otned durngthereltveperodfter the Indent. Sttement of Fts mens ny nformton suppled y the Insured n onneton wth ths nsurne nd ny delrton mde n onneton therewth y or on ehlf of the Insured or ts gents. Sum Insured mens the Sum Insured s stted n the Shedule pplle to the prtulr Item orseton. T Terrtorl Lmts mens unless expressly stted to the ontrry n ny Seton of ths poly, the Shedule or ny memornd or endorsement whh my e tthed to ths poly, Gret Brtn, Northern Irelnd, the Chnnel Islnds nd the Isle of Mn. In respet of Setons 3 nd 4 over s extended to nlude the non-mnul tvtes of ny dretor nd/or prtner of the Insured nd/or Person Employed ordnrly resdent n the terrtores nmed ove, ut temporrly engged n the Busness elsewhere n the world. Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 11 of 35

13 Terrorsm mens the t of persons tng on ehlf of or n onneton wth ny orgnston whh rres out tvtes dreted towrds the overthrowng or nfluenng yfore or volene of Her Mjesty s government n the Unted Kngdom or ny other government de jure or de fto. U Unlwful Assoton mens ny orgnston whh s engged n Terrorsm nd nludes n orgnston whh t ny tme s prosred orgnston wthn the menng of the Northern Irelnd (Emergeny Provsons) At 1973 or ny mendment thereto. Unouped mens not ouped for ts usul purposes, for ny perod of more thn 45 (forty fve) onseutve dys nd shll nlude Buldng(s) tht re empty, untennted or no longer n tve use. V Vrus or Smlr Mehnsm mens ny Progrmme ode, progrmmng nstruton or ny set of nstrutons ntentonlly onstruted wth the lty to dmge, nterfere wth or otherwse dversely ffet ny omputer Progrmme(s), dt fles or opertons, whether nvolvng self- replton or not. Vrus or Smlr Mehnsm nludes ut s not lmted to trojn horses, worms nd log oms. W Wr Wr nvson ts of foregn enemes hostltes or wrlke opertons (whether wr e delred or not) vlwr mutny vl ommoton ssumng the proportons of or mountng to populr rsng mltry rsng nsurreton reellon revoluton or mltry or usurped power. Wste mens ll wste nludng mterls to e reyled, reondtoned or relmed. We/Us/Our mens AXA Insurne UK pl nd Gret Lkes Insurne SE Wtness Attendne Allowne mens osts not to exeed 100 per dy or 1,000 Any One Clm when ny dretor, prtner or Employee of the Insured s sent from work onsequent upon ttendng ourt or trunl herng of lm to whh the Clms Admnstrtor hs gven wrtten onsent underths poly. Wrtten Tenny Agreement mens: Y. n ssured tenny. nssured shorthold n Englnd &Wles. short ssured tennyn Sotlnd d. prvterentl greement nnorthernirelnd e. regulted tennygreement You/Your/Yours mens the Insured s stted n the Shedule. Your Property mens the Property to e nsured. If there s more thn one Property, the poly lmts nd exlusons pply seprtely to eh Property n the sme wy s f eh hd een nsured y seprte poly. Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 12 of 35

14 Seton 1 Property Dmge All Rsks The Cover The Insurers wll ndemnfy the Insured s stted n the Shedule gnst Dmge rsng from ny dentl use not eng n Exepted Cuse, ourrng durng the Perod of Insurne, sujet lwys to the Exess(es) nd the lmts, terms, ondtons nd exlusons of ths Seton nd the poly. Lmt of Llty The llty of the Insurers under ths Seton shll not exeed nthe whole the Totl Sum Insured or the Sum Insured n respet of ny ndvdul Item sujet to ny other lmt of lltys sttedherenor nthe Shedule. The Exess The Insurers shll not ndemnfy the Insured for the mount of the Exess spefed n the Shedule. The Property Insured. Buldng(s);. Contents;. Fxtures nd fttng(s) Unless s otherwse stted n the Shedule, ny nsurne y ths Seton nrespet of Buldng(s), Contents or Fxtures nd fttngs shll nlude provson for Professonl Fees nd Ders Removl. All the property of the Insured or for whh the Insured s leglly responsle whlst t the Premses to whh ths Insurne pples. or under the ontrol of the Insured; (n respet of ny vessel, mhnery or pprtus or ts ontents elongng to, or under the ontrol of the Insured whh requres exmnton to omply wth ny Sttutory Regultons, over gnst destruton or dmge thereto used y n exploson orgntng theren s sujet to the provson tht suh vessel, mhnery or pprtus shll e the sujet of poly or other ontrt provdng the requred nspeton serve) ut ths shll not exlude susequent Dmge whh tself results from use not eng n Exepted Cuse or otherwse exluded. 2. Dmge used dretly or ndretly y or onsstng of:. orroson, rust, wet or dry rot, shrnkge, evporton, loss of weght, dmpness, dryness, humdty, ton of lght, mrrng, srthng, vermn ornsets;. hnge n temperture, olour, flvour, texture or fnsh;. jont lekge, flure of welds, rkng, frturng, ollpse or overhetng of olers, eonomsers, superheters, pressure vessels or ny rnge of stem nd feed ppng n onneton therewth; ut ths shll not exlude:. suh Dmge whh tself results from Defned Perl or from ny other use not eng n Exepted Cuse or otherwseexluded; Seton 1 Exlusons Exepted Cuses. susequent Dmge whh tself results from use not eng n Exepted Cuse or otherwse exluded. The Insurers shll not ndemnfy the Insured for: 1. Dmge used dretly or ndretly y or onsstng of:. nherent ve, ltent defet, grdul deterorton, wer nd ter, frost, ts own fulty or defetve desgn or mterls;. fulty or defetve workmnshp, opertonl error or omsson on the prt of the Insured or ny of ts employees;. the operton of mhnery, plnt, pprtus or equpment unless suh operton s n ordne wth the mnufturers nstrutons orspefton; d. exploson osoned y the urstng of oler (not eng oler used for domest purposes only), eonomser or other vessel, mhne or pprtus n whh nternl pressure s due tostem only nd elongng to 3. Dmge used dretly or ndretly y or onsstng of mehnl or eletrl rekdown, derngement or overlodng n respet of the prtulr mhne, pprtus or equpment n whh suh rekdown, derngement or overlodngorgntes ut ths shll not exlude:. loss of, or dmge to, surroundng property not formng prt of the sme mhne, pprtus or equpment;. suh Dmge whh tself results from Defned Perl or from ny other use not eng n Exepted Cuse or otherwseexluded;. susequent Dmge whh tself results from use not eng n Exepted Cuse or otherwse exluded. 4. Dmge used dretly or ndretly y ny person lwfully on the Premses. Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 13 of 35

15 5. Dmge used dretly or ndretly y or onsstng of theft or ttempted theft from yrds, grdens, open spes or Outuldngs unless the ontents thereof re speflly nsured ythsseton. 6. Dmge used dretly or ndretly y or onsstng of:. susdene, ground heve or lndslp, unless resultng from fre, exploson, erthquke or the espe of wter from ny tnk, pprtus or ppe; d. used dretly or ndretly y theft or ttempted theft; e. useddretlyorndretlyyespeofolfromny fxednstlltonforhetngthe Premses; f. where the Dmge s to fxed glss; nrespetofnyunouped Buldng.. norml settlement or eddng down of new strutures. 7. Dmge used dretly or ndretly y or onsstng of:. ts of frud or dshonesty on the prt of the Insured or ny prtner, dretor or employee of the Insured, memers of ther fmles or ny other person towhom Property Insuredhs een entrusted;. unexplned dspperne, unexplned or nventory shortge, msflng or msplng of nformton;. ersure or dstorton of nformton on omputer systems or otherreords:. whlst mounted n or on ny mhne or dt proessng pprtus,or. due to the presene of mgnet flux; unless used y Dmge not eng the result of n Exepted Cuse n respet of the mhne or pprtus nwhhthereords remounted. 8. Dmge n respet of uldngs or strutures used dretly or ndretly y ther own ollpse or rkng unless suh Dmge results from Defned Perl nd s not otherwseexluded. 9. Dmge used dretly or ndretly y wnd, rn, hl, sleet,snow, floodordust to:. movele property n the open or n open sded uldngs or ontned noutuldngs;. fenes ndgtes. 10. Dmge used dretly or ndretly y fre resultng from ts undergong ny proess nvolvng the pplton ofhet. 11. Dmge:. used dretly or ndretly y the espe of wterfrom nytnk, pprtus orppe;. used dretly or ndretly (other thn y fre or exploson) y mlous persons not tng on ehlf of or n onneton wth ny poltl orgnston;. used dretly or ndretly yfreezng; Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 14 of 35

16 12. Dmge used dretly or ndretly y or onsstng of or osoned y the voluntry prtng wth ttle or possessonof nypropertyorrghts toproperty. 13. Dely, loss of mrket, loss of use or Consequentl Loss ordmgeofnyknd. Exepted Property The Insurers shll not ndemnfy the Insured n respet of loss of or dmgeto: 1.. Money, jewellery, preous stones, preous metls, ullon, furs, urostes, works of rt or rreooks;. glss (other thn fxed glss), hn, erthenwre, mrle, stturyorother frgleorrttleojets; ut ths shll not exlude Dmge used y Defned Perl nd not otherwse exluded. 2. property ntrnst exept s provded for n Extenson 13 Temporry Removl. 3.. vehles lensed for rod use (nludng essores thereon), rvns, trlers, rlwy loomotves, rollng stok, wterrft orrrft;. property or strutures n ourse of onstruton or ereton nd mterls or supples n onneton wth ll suh property n ourse of onstruton or ereton; eletrl pprtus through short rutng, overrunnng or exessve pressure; d. lnd, rods, pvements, pers, jettes, rdges, ulvertsorexvtons; e. lvestok or growng rops; unless speflly mentoned n the Shedule s nsured y ths Seton. Seton 1 Cluses 1. Desgnton For the purpose of determnng where neessry the hedng under whh ny property s nsured, the Insurers gree to ept the desgnton under whh suh property hs een entered nto the Insured s ooks of ounts. 2. Eletrl Apprtus If ny eletrl pprtus or fttngs re dmged y fre due toself gnton, over-runnng, exessve pressure, short rutng, self hetng or lekge of eletrty, the Insurers shll not e lle for Dmge to the equpment whh ontned the prtulr pee of pprtus or fttng whh hs used the fre, ut the Insurers shll e lle for Dmge to ny other pprtus or fttngs n onsequene of suh fre f suh other pprtus or fttngs re otherwse nsured under ths Seton.. workng dynmos, motor wres, mn or Fnsury Insurne Group Resdentl Lndlord PolyWordngFALL Pge 15 of 35

17 3 Non-nvldton TheInsurne under ths Seton shll not envldted y ny t or omsson or y ny lterton wherey the rsk of Dmge s nresed unknown to or eyond the ontrol of theinsured, provded tht the Insured shll gve note tothe Insurers s soon s resonly prtle ftersuht or omsson or lterton omes tothe note of the Insured nd shll py ny ddtonl premum requred y the Insurers. 4 ReplementorRensttement d Intheevent of Dmge under ItemA(Buldng(s)) nd/or Item B (Contents) nd/or Item C (Fxtures nd fttng(s)) nsured herey, the ss upon whh the mount pyle y the Insurers s to e lulted shll e the rensttement of the Property InsuredsufferngDmge, sujet tothefollowng Spel Provsons nd sujet lso to the lmts, terms, ondtons nd exlusons of the poly exept nsofr s the sme my e vred herey. Forthepurposeofths Cluse rensttement shll menthe rryngout ofthefter-mentonedwork, nmely: where Property Insureds lostordestroyed, thereuldng of the property, f Buldng, or, n the se of other property, ts replement y smlr property, n ether se n ondton equl to ut not etter or more extensve thn tsondton when new; where Property Insured s dmged, the repr of the Dmge ndtherestorton of the dmged porton of the property to ondton sustntlly the sme s ut not etterormoreextensvethn tsondton when new. Spel Provsons for Cluse 4 The work of rensttement (whh my e rred out upon nother ste nd n ny mnner sutle to the requrements of the Insured sujettothe llty of the Insurers not eng therey nresed) must e ommenedndrredout wthresonledespth; otherwseno pyment eyondthe mount whhwould hve een pyle under ths poly f ths Cluse hd not een norported heren shll e mde. When ny Property Insured under Item A (Buldng(s)) nd/or Item B (Contents) nd/or Item C (Fxtures nd fttng(s)) s dmged or destroyed n prt only the llty of theinsurers shll not exeed thesum representng the osttht the Insurers ould hve een lled upon to py for rensttement f suh property hd een wholly destroyed. No pyment eyond the mount whh would hve een pyle ytheinsurers under ths polyfths Clusehd not een norported theren shll e mde untl the ostofrensttement shllhveeentullynurredy the Insured. Item A (Buldng(s)) nd Item B (Contents) nd/or Item C (Fxturesnd fttng(s)) redelredtoe seprtely sujet to the followng ondton of Averge ut only f stted to e non-ndexedlnkedntheshedule: If t the tme of rensttement the sum representng 90% (nnety perent) of theostwhhwouldhveeennurred y theinsurednrensttementfthewholeofthepropertyinsured undertheitemhdeendestroyed, exeedsthesuminsured t the ommenement of the Dmge, then the Insured shll e onsdered s eng ther own nsurers for the dfferene etweenthesuminsuredndthe sumrepresentngtheostof rensttement of the whole of the Property Insured nd shll errteleproportonof thelossordngly. Whereyresonof nyof theovespel Provsons no pyment s to e mde y the Insurers eyondthe mountwhhwouldhveeenpyleunderthepoly f these Spel Provsons hd not een norported heren, the rghts ndlltes of the Insurers nd the rghts ndlltes of the Insured n respet of the loss, destruton or dmge shll e sujet to the lmts, terms,ondtonsndexlusonsofthspoly,nludng ny ondtons of Averge heren s f these Spel Provsonshd not eennorported heren. 5 Mlous Persons The mxmumover grnted nthe event of Dmgeunder ItemA (Buldng(s)) nd/or Item B (Contents) nd/or Item C (Fxturesnd fttng(s)) used dretlyor ndretly y the ton of mlous persons otherthntheves, not tng on ehlfof or nonneton wthnypoltlorgnston,shllnotexeed 5,000ntotln respet of ny oneourrene. Seton 1 Condton 1 Fre Extngushng Applnes Ths Insurne tkes nto onsderton the nstllton of fre extngushng pplnes n ordne wth detls provded y the Insured to the Insurers nd the Insured undertkes to mntn the sd pplnes n full nd effetve workng order nd under ontrt for mntenne durng the Perod of Insurne. Sujet to the oservne of ths Condton, ths Seton shll not e nvldted y ny defet n ny of the sd pplnes due to ny rumstnes unknown to or eyondtheontrol of theinsured. Seton 1 Extensons Unless otherwse stted n the Shedule the followng Extensons shll pply, sujet lwys to the lmts, terms, ondtons nd exlusons of ths Seton nd the poly. 1 Automt Rensttement of Sums Insured In onsderton of the Sums Insured not eng redued y the mountof nyloss, the Insuredundertkes topythe pproprte ddtonl premumon the mountof the lossfrom the dtethereof to the expry of the Perod of Insurne, nd to rry out ny mesurestht the Insurersmyrequre to preventfurtherdmge or enhne the seurtyof the Premses. Sujet to theinsurers lltynot exeedngthe Sum Insuredn respetof nyone Itemn respetof ny one Ourrene. Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 16 of 35

18 2 Cptl Addtons, Altertons ndimprovements The nsurne of Item A (Buldng(s)) nd Item B (Contents) nd ItemC(Fxtures nd fttng(s)) extends tonlude over for ptl ddtons, ltertons,mprovements ndnewlyqurednd/or newlyeretedbuldng(s) provdedtheyrenot otherwsensured nywhere wthn the Terrtorl Lmts, sujet to the followng ondtons: the Insured shll delre totheinsurers the dte nd vlueof suh ptl ddtons, ltertons nd mprovements t ntervls of not more thn 6 months nd shll py n pproprteddtonl premumfromthetmesuhddtonl over pples; the mxmum ddtonl over grnted y ths Extensonfor ptl ddtons, ltertons nd mprovements shll not exeed 10%(tenperent) of thetotl SumInsured under Items A (Buldng(s)) nd B (Contents) nd Item C (Fxtures nd fttng(s)) or 250,000 whhever thelesser; ths Extenson does not nlude over for ppreton n vlue. 3 Chngng Loks ThsSetonextendstonludeostsnurredytheInsureds result of the neessry replement of loks, f ny of the keys of the Premses re stolenfrom the Premsesor from the homes of prnpls,prtners, dretorsoruthorsedemployees,provded tht f suh keys relte to sfe or strong-room they shll not e lefton the PremsesoutsdetheInsured snormlusnesshours. Sujet tolmtof 1,000n respetof nyoneourrene.the Exesss sttednthe Shedule does notpplyn respetof ths Extenson. 4 Drn Clerng Ths Seton extends to nlude over for resonle expenses neessrly nurred y the Insured n lerng, lenng nd/or reprng drns, gutters, sewers nd the lkefor whhthe Insured relegllyresponslenonsequeneof Dmgensured herey. Sujet to the mxmum llty of the Insurers not exeedng 1,000 ny one Ourrene nd n the ggregte durng the Perod of Insurne. 6 Index Lnkng The Sums Insured wll e nresed utomtlly throughout the Perod of Insurne n lne wth the nfltonry ndes referred to n theshedule. Inthe event of loss the Sums Insured wll ontnue toedjusted n ordne wth flututons n the ndes durng the perod neessryforompletonof reprorrensttement provdedtht repr or rensttement s rred out wthout unresonle dely. The Premum wll remn unhnged durng the Perod of Insurne ut t ehrenewl the Premumwll elultedon therevsed Sum Insured. 7 Loss of Metered Wter Chrges Ths Seton extends to nlude over for ddtonl metered wter hrges nurred ytheinsured, followngdmgensured herey, t the Premses durng the Perod of Insurne. The Insurers shll not e lle for ny suh hrges nurred y the Insured nrespet of nyunouped Buldng(s).Thess upon whh the mount pyle s to e lulted shll e the mount of the wter hrges for the perod durng whh Dmge ours, less thehrgemdetothe Insuredfor theorrespondng perod n the preedng yer, djusted for hnges n the wter supplers hrges nd for vrtons ffetng the wter onsumptonof theinsureddurng thentervenngperod. Sujet tothe mxmum llty of theinsurers not exeedng 1,000 ny one Ourrene nd n the ggregte durng the Perod of Insurne. 8 Other Interests In the event of the Insured hvng property under the terms of ny hre purhse or smlrformof greement then the nterest of suh prtes s noted n ths Insurne, nd the nture nd extent of suh nterest s to e delred to the Insurers n the eventofdmge. 5 Fre Extngushment Expenses Ths Seton s extended to nlude, where not otherwse reoverle, theexpenses resonly nurred ythe Insuredn the replement or replenshment of the Insured s fre extngushngequpment usedy theinsurednorder tomnmse thedmge. TheInsurers lltyunder ths Extensons lmted to 1,000 nrespet of ny one Ourrene nd ntheggregte durng the Perod of Insurne. Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 17 of 35

19 9 Europen Unon nd Pul Authortes The Insurne y Item A (Buldng(s)) or Item B (Contents) or Item C (Fxtures nd fttng(s)) extends to nlude suh ddtonl ost of rensttement of the lost, destroyed or dmged Property Insured s my e nurred y the Insured solely y reson of the neesstytoomplywththestpultons of: Europen Unon legslton;or Buldng or other Regultons under or frmed npursune of ny At of Prlment or wth Bye Lws of ny munpl orlol uthortyorothercodes ofprte; (herenfter referred to s the Stpultons) n respet of the lost, destroyed or dmged Property Insured nd undmged portons thereof provded lwys tht the mount reoverle under ths Extenson shll notnlude: the ostnurred nomplyng wth the Stpultons: n respet of Dmge ourrng pror to the grntng of ths Extenson; nrespetofdmgenotnsuredherey; underwhhnote hs eenserved upontheinsured pror to the hppenng of the Dmge; v for whh there s n exstngrequrement whh hs to emplemented wthn gven perod; the ddtonl ost tht would hve een requred to mke good the property lost, dmged or destroyed to ondton equl to ts ondton when new hd the neesstytoomplywthnyof theforesdstpultons not rsen; the mount of ny rte, tx, duty, development or other hrge or ssessment rsng out of ptl ppreton whh my e pyle n respet of the property or y the owner thereof y reson of omplne wth ny of the foresd Stpultons. Provded tht: d thetotl mount reoverleundernyitemoftheshedule shll not exeed: nrespet ofthelost, destroyedordmged Property Insured ts Sum Insured; n respet of undmged portons of property (other thn foundtons) 15%(ffteen perent) of the totl mount for whhtheinsurers wouldhveeenlle hd the Property Insured ythe Item t the Premses where the Dmge hs ourred een wholly destroyed; n respet of Europen Unon legslton: 10 Serves 15% (ffteen perent) of ts Sum Insured; where the Sum Insured y the Item pples to propertyt morethnonepremses 15%(ffteen perent) of thetotlmount forwhhtheinsurers wouldhve een llehdthe PropertyInsured y the Item t thepremses wheredmgehs ourredeen whollydestroyed; v n respet of uldng or other regultons under or frmed n pursune of ny At of Prlment or Bye Lws of nymunpl or lol uthortyor other Codes of Prte ts Sum Insured eng prt of nd not n ddtontothe SumInsured shown nthe Shedule; ll the terms, lmts, exlusons nd ondtons of ths Seton nd the poly exept n so fr s they my e herey expressly vred shll pply s f they hd een norportedheren. The Property Insured nludes telephone, gs, wter nd eletr nstruments, meters, ppes, duts, les nd the lke nd the essores thereof nludng smlr property n djonngyrds orrodwys orunderground(ndpertnngto the Buldng(s), Fxtures nd Fttng(s) or Contents nsured under the respetve Items of ths Seton) ll the property of theinsuredorforwhhtheinsuredslegllyresponsle. thework of rensttement must eommenedndrred out wth resonle despth nd n ny se must e ompleted wthn 12(twelve) months fter the Dmge, or wthn suh further tme s the Insurers my (durng the sd 12 (twelve) months) n wrtng llow nd my e rred out wholly or prtlly upon nother ste (f the foresdstpultonssoneesstte) sujettothellty of the Insurers under ths Extenson not eng therey nresed; f thellty of the Insurers under nyitem of theshedule prt from ths Extenson shll e redued y the pplton of ny of the terms nd ondtons of the Seton nd the poly then the llty of the Insurers under ths Extenson n respet of ny suh Item shll e reduednlkeproporton; 11 Spontneous Hetng The Insurne of eh Item extends to nlude over for Dmge tool, oke nd wood loks used y ts own spontneous fermentton, hetng oromuston. 12 Surogton Wver The Insurers gree to wve ny rghts to whh they my eomeenttledgnst nytennt ofthepremses nsured who hs pd Premum to the Insured, n respet of the Premses unless: Dmge hs een osoned, or ontruted to, y the frudulent or rmnl or mlous t of suhtennt; Dmge hs ourred to prts of the Premses not lesed or rented y suhtennts, other thn ommon res, theuseof whhs vlle toll tennts. Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 18 of 35

20 13 Temporry Removl The Property Insured under ths Seton s overed whlst temporrly removed for lenng, renovton, repr or smlr purposes, elsewhere on the sme or to ny other premses nd n trnst thereto nd therefrom y rod, rl or nlnd wterwy wthn the Terrtorl Lmts, sujet to lmt of 15% (ffteen perent) of the relevnt Sum Insured s stted n the Shedule. TheInsurers shll not ellefor losses rsngelsewherethnt the Premses from whh the property s temporrly removed to vehles lensed for rod use n so fr s they re nsured y ths Seton. 14 Temporry Reprs Wthn the lmts of the Sum Insured, ths Seton extends to nlude over for the ost tully nurred y the Insured n mkng temporry reprs to ny of the nsured Buldng(s) nd eretng temporry uldngs n ple of ny of the nsured Buldng(s) followng Dmge nsured herey. 15 Tre nd Aess Inthe event of Dmge durng the Perod of Insurne resultng from espe of wter or fuel ol from ny tnk, pprtus or ppe, the Insurers shll py ostsneessrly nd resonlynurred y the Insured n lotng the soure of suh Dmge, nd n the susequent mkng good of Dmge used s onsequene of lotng suh soure, up to n mount of 10,000 ny one Ourrene nd n the ggregte durng the Perod of Insurne. 16 Trnsfer ofinterest Its greedtht notwthstndnggenerl Condton 14Insurle Interest tht, f t the tme of Dmge to ny Buldng(s) nsured y Item A of ths Seton, the Insured shll hve ontrted tosell ther nterest nsuh Buldng(s) ndthe purhse shll not hve eenompletedut shllthereftereompleted, thepurhser on the ompleton of the purhse, f nd sofr s the property s not otherwse nsured y or on ehlf of the purhser gnst suh Dmge, shll e enttledtothe eneft of ths Seton sofr s t reltes to suh Dmge,wthout prejude to the rghts nd lltes oftheinsuredor theinsurers under ths Seton, ut only upuntl the dte of ompleton. 17 Unuthorsed Use of Eletrty, Gs or Wter Ths Seton s extended to nlude the ost of metered eletrty, gs or wter for whh the Insured s leglly responslersngfromts unuthorseduseypersons tkngpossessonof oroupyng Premses wthout the Insured s uthorty, Provded tht: the Insurers mxmum llty under ths Extenson shll not exeed 10,000; the Insured shll tke ll prtl steps totermnte suh unuthorseduses soonsts dsovered. 18 Workmen Workmen shll e llowed on the Premses for the purpose of rryng out mnor reprs, deortons, or ltertons wthout prejude to ths Insurne. Unless greed y the Insurers n wrtng, the Insurers wll not e lle for ny lm for Dmge where the vlue of suhmnor reprs, deortons, or ltertons does not exeed 5% (fve perent) of the SumInsured pplle to the resdentl porton of the Buldng(s) onerned s nsured y ths Seton1or 5,000 whhever s thelesser. 19 AlterntveAommodton& RentReevle As result of Dmge tht We hve greed to py for We wll lsopyfor the:. resonle osts nd expenses tht You nur for lterntve ommodton f Your Premses nnot e lved n or sustns Denl of Aess; or. mount y whh the rent reevle y You durng the followng twelve months shll, duetothe Dmge, fll short of the rent whh would hve een reeved durngthe perod hdthe Dmge not ourred; nd. ddtonl expendture neessrly nd resonly nurredfor thesolepurpose of vodng or dmnshng the shortfll n rent whh ut for tht expendture would hve tken ple durng the followng twelve months due to the Dmge ut not exeedng the mount of loss ofrentthereyvoded We wll py You no more thn:. 30 perent (thrty perent) of the Buldng(s) Sum InsuredshownonYour Sheduleor GBP100,000(one hundred thousnd) (whhever s the lesser) for lterntve ommodton osts nd rent you were enttledtoreeve;or. GBP10,000 (ten thousnd) for lterntve ommodtonosts ndrent youwereenttled to reeve where there s no Buldng(s) SumInsured shown on YourShedule Wewll dedut nysvngs nrespet of expendture pyle out of rent reevle whh redues or eses nonsequene of the Dmge. In determnng the mount of rent reevle djustments shll e mde s neessry to provde for nytrends vrtons or otherrumstnesourrngethereforeor fterthedmge so tht the mount of rent reevle djusted therey shll represent s nerlys resonly prtletherent whhut for the Dmge would hve een otned durng the reltve perod fter the Dmge. If followng Dmge the mount of rent reevle s mntned y the provson of lterntve ommodton y You, suhrent shll etkenntoount nlultngthe mount pyle. Fnsury Insurne Group Resdentl Lndlord Poly WordngFALL Pge 19 of 35