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8. Other Insurances
If at the time of any occurrence giving rise to a claim there is any other insurance effected by you or on
your behalf providing an indemnity in respect of such claim our liability will be limited to its rateable
proportion. If any other insurance is subject to any provision whereby it is excluded from ranking
concurrently with this policy in whole or in part or from contributing proportionally our liability under
this policy will be limited to any excess beyond the amount which would be payable under such other
insurance had this policy not been effected.

9. Policy Interpretation
Each part of this policy is declared to be a separate contract but will be subject to the general
definitions, general exclusions, general provision and general conditions. All reference to policy will
mean any or all operative parts.

10. Policy Voidable
This policy will be voidable in the event of misrepresentation, misdescription or non-disclosure in any
material particular.

11. Premium Adjustment
If any part of the premium is calculated on estimates supplied by you an accurate record will be kept by
you containing all information relative thereto and you will allow us to inspect such record. You will within
one month from the expiry of each period of insurance supply to us such particulars and information as we
may require. The premium for such period will thereupon be adjusted and the difference paid by or allowed
to you as the case may be subject always to the minimum premium stipulated.
12. Reasonable Care
You will comply with all regulations imposed by any competent authority and take all reasonable
precautions to prevent or minimise accident, injury or damage. In addition you will comply with
maker’s recommendations made in respect of equipment insured under this policy.

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