1 Property Insured
Property Insured means goods and tools incidental to the Business but excluding goods and tools mentioned in Exclusion 1 unless described in the Schedule
2 Specified Vehicles
Specified Vehicles means the road vehicles or trailers as specified in the Schedule 3 Limit any one vehicle
Limit any one vehicle means the maximum amount which the Insurers will pay in respect of any occurrence or series of occurrences of loss destruction or damage arising out of one cause in respect of any one Specified Vehicle
Cover Provided
In the event of the Property Insured or any part of it being lost destroyed or damaged during the Period of Insurance by any accident or misfortune whilst in or on or being loaded onto or unloaded from any Specified Vehicle or whilst temporarily housed in the course of transit whether on or off such conveyance all within the land limits of Great Britain Ireland Northern Ireland the Isle of Man or the Channel Islands the Insurers will indemnify the Insured by at their option repairing replacing or paying the amount of the loss destruction or damage
Limits of Liability
For all loss destruction or damage the Insurers’ liability under this Section shall not exceed 1 the Limits specified in the Schedule or
2 during any one Period of Insurance the Sum Insured set against any item in the Schedule
Exclusions
This Section does not cover
1 loss or destruction of or damage to
A) livestock explosives goods of a dangerous nature tobacco cigarettes cigars wines spirits furs watches jewellery gold and silver articles precious metals and stones bullion cash stamps bank notes bills of exchange security deeds documents manuscripts or plans unless described in the Schedule
B) china glass earthenware pictures scientific instruments statuary marble or plasterwork unless caused by fire theft an accident to the conveyance or an object falling onto the conveyance
C) refrigerated goods as a result of breakdown or failure of refrigeration equipment unless such breakdown or failure is caused by fire theft an accident to the conveyance or an object falling onto the conveyance D) Property Insured whilst temporarily housed in course of transit for the purpose of storage making-up
packing or processing
2 loss destruction or damage caused by or happening through
A) vermin wear and tear defective packing depreciation or deterioration delay loss of market or consequential loss of any kind
B) confiscation nationalisation requisition or wilful destruction by any government public municipal local or customs authority
3 the amount of the Deductible stated in the Schedule in respect of each and every occurrence of loss or damage otherwise payable under this Section
Special Conditions
1 If the Property Insured on any road vehicle or trailer shall at the time of loss destruction or damage be of greater value than the Sum Insured in respect of such vehicle or trailer then the Insurers shall bear only that proportion of the loss destruction or damage which the Sum Insured bears to the value
Endorsements
These Endorsements are only operative where shown in the Schedule and are each subject otherwise to the terms of this Policy
1 Consignments
The Insurance by this Section extends to cover the Property Insured whilst in or on any road vehicle or trailer not being the Insured’s own vehicle and whilst in or on any railway train subject to the Consignment Limit and Single Article Limit as stated on the Schedule
2 Limited Short Sea Transits
The insurance by this Section extends to cover the Property Insured whilst in or on any water-borne craft being used to carry the Property within or between Great Britain Ireland Northern Ireland the Isle of Man or the Channel Islands
3 Containers Tarpaulins and Ropes
The Property Insured by this Section includes containers tarpaulins and ropes belonging to the Insured or for which the Insured is responsible
Provided that the Insurers’ liability under this Endorsement for such articles shall not exceed in respect of any one claim the amount shown against Endorsement 3 in the Schedule
4 Removal of Debris
In respect of any road vehicle or trailer owned by or operated under the direct control of the Insured the insurance by this Section extends to cover additional costs and expenses necessarily incurred in A) removing or reloading the Property Insured or any part of it
B) removing debris of such Property Insured C) dismantling or breaking up such Property Insured
in consequence of loss destruction of or damage to the Property Insured or the spilling of the Property Insured from any road vehicle or trailer to which this Section applies or as a result of an accident to such vehicle or trailer
Provided that the Insurers’ liability under this Endorsement shall not exceed in respect of any one claim the amount shown against Endorsement 4 in the Schedule
5 Cover restricted to Fire Collision Overturning or Derailment
The insurance by this Section applies only in respect of loss destruction or damage to the Property Insured caused by fire collision overturning or derailment of the road vehicle or trailer or railway train conveying the Property Insured
6 Overnight Exclusion
The Insurers will not indemnify the Insured against loss or damage to Property Insured contained in a vehicle left unattended between the hours of 7.00 p.m. (1900 hours) and 8.00 a.m. (0800 hours)
7 Electronic Security System Condition
It is a condition of this insurance in respect of loss destruction or damage by theft (or any attempt thereat) that the vehicles specified against this Endorsement in the Schedule are fitted with an electronic security system of at least category 1 or 2 standard (as defined by the Repair Research Centre Thatcham) or as otherwise specified by the Insurers and such system is fully operative whilst the vehicle is unattended 8 Garaging Condition
The Insurers shall not be liable for loss of or damage to Property Insured in any unattended vehicle insured hereunder between the hours of 7.00 p.m. (1900 hours) and 8.00 a.m. (0800 hours) unless such vehicle is in a locked private garage or locked or permanently attended public garage
9 Unattended Vehicle Locking Warranty
The Insurers shall not be liable for loss or damage arising from theft or any attempt thereat from any unlocked unattended vehicle
10 Single Article Limit
The Insurers’ liability in respect of any single article shall not exceed the amount shown against Endorsement 10 in the Schedule
11 Tools Limit
The Insurers’ maximum liability in respect of tools shall not exceed the amount shown against Endorsement 11 in the Schedule
UW/2013/7/14 Page 52 of 61
SECTION 9 - PERSONAL ACCIDENT