3.3 TÉCNICAS E INSTRUMENTOS DE RECOLECCIÓN DE DATOS

Cover under this section is only available when Section 2 Contents is in force.

What is covered

Wewill pay for all physical loss and damage to your valuablesup to the amount insured anywhere in the world during the period of insurance, provided that the loss or damage is not excluded under this section, the general conditions section or under the general exclusions.

Additional covers

New possessions

Wewill pay for loss or damage to your newly acquired valuables up to 20% of the total valuables sum insured, provided you advise us within forty five (45) days from the date of purchase and youpay the full additional premium applicable.

What is not covered

The following exclusions apply to thevaluablessection of thepolicy:

Wedo not cover:

1) The amount of thepolicy excess.

2) More than £5,000 for any one claim for loss or damage from an unattended motor vehicle.We will not pay any amount unless the property is hidden from view in a closed glove compartment, locked luggage compartment, locked boot or locked roof box, and all windows and other openings securely closed, and all doors locked.

3) Any loss or damage to an item of jewellery insured for £25,000 or more unless the settings of a single-stoned or a multiple-stoned item is examined by a competent jeweller at least every two (2) years and any defect remedied as soon as it is discovered. In the event of a lossyou will be required to provide proof of examination.

4) Any loss or damage to an item of jewellery or watches insured for £25,000 or more by theft or disappearance unless such item(s) are:

I. being worn byyou;

II. being carried by hand underyourpersonal supervision; or III. deposited in a bank or locked safe; or

IV. ifyouare staying in a hotel or motel, deposited in the principle safe of the hotel or motel. 5) Any loss from thehomewhen thehomeisunoccupied.

Section 4 Valuables

Basis of claims settlement

a) Specified items

Those items in respect of which a valuation has been provided by you and accepted by usor a value has been agreed byus.

For loss or damage to items specified inyour policy we will pay as follows:

Total loss wewill pay thevalue of that item. For items listed individually, the value is the amount shown for each item in the specification held byusoryourinsurance agent.

Partial loss if the item is partly damaged, wewill decide whether we repair, replace or pay the value of the damaged item. If we decide to repair the damaged item,we will also pay for any loss in value. The most wewill pay in total is the amount shown for each item in the specification held byusoryourinsurance agent.

b) Unspecified items

All items thatyou have not specified.

Wewill decide whether to repair, replace or make a cash settlement for any lost or damaged item. If we

decide to make a cash settlementwewill pay the market value of the item on the date of loss. Ifwedecide to repair it we will also pay for any loss in value. The most we will pay for any one item, pair or set is £10,000.

c) Pairs and Sets

If any item which has an increased value because it forms part of a pair or set is lost or damaged, any paymentwemake will take account of the increased value.We will decide whether to pay the value of the entire pair or set. The mostwewill pay is the value of that pair or set.

d) Full payment

Ifwe pay the fullamount insuredfor an item, pair or set, thenwehave the right to take possession of it.

e) Recovered property

If we recover any of your property after a loss, we will write to you at your correspondence address shown in thescheduleandyoucan buy it back fromuswithin sixty (60) days.Wewill charge:

The amountwepaid foryourclaim plus interest; or

What is covered

If thebuildingsare covered under Section 1 of this policy,you are automatically insured foryour liability as owner of the relevant home. If the contents are covered under Section 2 of this policy, you are automatically insured for the following:

Yourliability as occupier of thehome;

Yourpersonal liability;

Yourliability toyour domestic employees.

1) Your liability as owner/occupier

Wewill indemnifyyouagainst any claim that you become legally liable for as owner or occupier, due to an accident which happens during the period of insurance that causes bodily injury or physical damage to property in or around the home, provided that the claim is not excluded under this section, the general conditions section or under the general exclusions.

2) Your personal liability

We will indemnify you against any claim that you become legally liable for due to an accident which happens during the period of insurance that causes bodily injury or physical damage to property, provided that the claim is not excluded under this section or the general exclusions.

3) Employ liability

We will indemnify you against any claim you become legally liable for due to an accident which causes bodily injury or disease toyour domestic employees, provided that the claim is not excluded under this section or the general exclusions. The accident must happen during the period of insurance and arise from work thedomestic employees are employed to do for you in the United Kingdom or whilst on temporary trips abroad.

Additional covers

1) Defective Premises Cover

Wewill indemnifyyou against damages you are legally liable to pay in connection with any house formerly owned or occupied by you and incurred by reason of Section 3 of the Defective Premises Act, 1972 or Section 5 of the Defective Premises (Northern Ireland) Order, 1975 provided that at the time of the incident giving rise to liability youhad disposed of all legal title to and interest in that home, and no other insurance covers the liability. The mostwewill pay in any oneperiod of insuranceis £1,000,000.

If youcancel thispolicyon the sale of your homethe cover provided by the defective premises act 1972 will continue for seven (7) years from the cancellation date provided no otherpolicycovers the liability.

Section 5 - Liabilities