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2.2 Automatic Reinstatement of Sum Insured
In the absence of written notice by us or you to the contrary this insurance will not be reduced by the
amount of any loss in consideration of which you will pay the appropriate additional premium on the
amount of the loss from the date thereof to the expiry of the period of insurance.

Section 3 – Special Exclusions

This part does not cover:

1. Consequential Loss
consequential loss of whatsoever nature

2. Fire Perils
loss in consequence of fire howsoever caused, lightning, explosion, aircraft or other aerial devices or
articles dropped from them, riot, civil commotion, strikers, locked-out workers, persons taking part in
labour disturbances, malicious persons, theft or attempted theft, earthquake, subsidence, ground
heave, landslip, storm, flood, escape of water from any tank, apparatus or pipe or impact by any
vehicle or by goods falling from them or by any animal

3. Terrorism
loss, damage, consequential loss, cost or expense directly or indirectly caused by, contributed to by,
resulting from or arising out of or in connection with terrorism.
In any action or suit or other proceedings where we allege that by reason of this special exclusion
cover is not provided under this part the burden of proving that cover is provided under this part will
be upon you.

4. Utilities
loss in consequence of a failure of the supply of electricity directly or indirectly due to:
a) a deliberate act of the supplier not performed for the sole purpose of safeguarding life or
protecting any part of the supply system
b) a scheme of rationing not necessitated by damage to the supplier’s generating or supply equipment

c) the inability of the supplier to maintain the supply system due to industrial action by any of
its employees.

Section 4 – Special Provision

1. Subrogation Waiver
In the event of a claim we agree to waive any right, remedy or relief to which we might become
entitled by subrogation against:

a) any company standing in the relation of parent to subsidiary or subsidiary to parent to you as
defined in the Companies Act or Companies (N.I.) Order current at the time of the Accident

b) any company which is a subsidiary of a parent company of which you are yourselves a subsidiary
in each case within the meaning of the Companies Act or Companies (N.I.) Order current at the
time of the Accident.

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