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General Conditions

1. Arbitration
Provided that liability for a claim has been admitted any dispute as to the amount to be paid will be
referred to an arbitrator who will be appointed by the parties in accordance with the statutory
provisions in force at the time and the making of an award will be a condition precedent to any right
of action against us.

2. Cancellation
We may cancel this policy or any part or portion thereof by giving 30 days notice in writing by special
delivery mail to you at your last known address and in such event you will be entitled to a return of
premium in respect of the unexpired portion of the period of insurance.

3. Claims Procedures
a) Your Responsibilities or in the case of part S those of any Person Insured
It is agreed that:

i) on the happening of any circumstance which could give rise to a claim or on receiving verbal or
written notice of any claim you or in the case of part S any Person Insured will:
1) as soon as reasonably possible give notice to us; and

2) preserve any damaged or defective property for examination by our representatives unless
we have authorised you to dispose of such property; and

3) as soon as reasonably possible notify the police in respect of any damage caused by theft,
attempted theft or malicious persons; and

4) as soon as reasonably possible forward to us any notice of prosecution, inquest or fatal
inquiry and every letter, claim, writ or summons issued against you; and
5) take action to minimise damage and to avoid interruption or interference with the
business and to prevent further damage or injury; and
6) at your own expense and:

A) within 7 days of damage caused by riot, civil commotion, strikers, locked-out workers,
persons taking part in labour disturbances or malicious persons

B) as soon as reasonably possible:
a) after the expiry of the indemnity period in respect of part B
b) in respect of any other damage, interruption or interference with the business or
injury or disease
supply full details of the claim in writing to us together with any evidence and information that
may be reasonably required by us for the purpose of investigating or verifying the claim
ii) no settlement, admission of liability, payment or promise of payment will be made to a third
party without our written consent.
b) Our Rights

We will:
i) be entitled to take over the defence or settlement of any claim made against you or any person
entitled to indemnity under this policy and you will give all assistance as may be reasonably
required by us; and

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