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where operative or any Optional Extension Clauses or
For the purposes of this exclusion: endorsements attaching thereto or under any
Difference in Conditions or Limits Provision of the
(a) in respect of loss destruction or damage Policy where operative for legal liability loss damage
cost or expense of whatsoever nature directly or
(i) outside England and Wales and Scotland indirectly caused or occasioned by or arising from a
Terrorist Act or any action taken in controlling
and/or preventing suppressing or in any way relating to a
Terrorist Act except to the extent stated in the Special
(ii) to any property which is insured in the name Provision — Employers’ Liability Section and Public
of a private individual and is occupied by and Products Liability Section and Motor Fleet Section
that individual for residential purposes below
the words “Terrorist Act” shall mean an act or In any action suit or other proceedings where the
acts (whether threatened or actual) of any person Company alleges that by reason of the term “Terrorist
or persons involving the causing or occasioning Act” any legal liability loss damage cost or expense of
or threatening of harm of whatever nature and by whatsoever nature is not covered by this Policy the
whatever means made or claimed to be made in burden of proving that such legal liability loss damage
whole or in part for political, religious, ideological cost or expense is covered shall be upon the Insured
or similar purposes
For the purposes of this exclusion:
(b) in respect of loss destruction or damage in The words “Terrorist Act” shall mean an act or acts
England and Wales and Scotland other than loss (whether threatened or actual) of any person or
destruction or damage as described in (a) (ii) persons involving the causing or occasioning or
above the words “Terrorist Act” shall mean acts threatening of harm of whatever nature and by
of persons acting on behalf of or in connection whatever means made or claimed to be made in
with any organisation which carries out activities whole or in part for political, religious, ideological or
directed towards the overthrowing or influencing similar purposes
by force or violence of Her Majesty’s government
in the United Kingdom or any other government The words ‘Difference in Conditions or Limits
de jure or de facto Provision’ shall mean any provision contained within
the Policy which provides that should any policy
(c) the words ‘Difference in Conditions or Limits issued to indemnify any subsidiary company of the
Provision’ shall mean any provision contained Named Insured which operates from premises outside
within the Policy which provides that should any Great Britain Northern Ireland the Channel Islands or
policy issued to indemnify any subsidiary the Isle of Man (hereinafter called the “Locally Issued
company of the Named Insured which operates Policy”) by virtue of its scope of cover or definitions or
from premises outside Great Britain Northern conditions not indemnify the Insured in whole or in part
Ireland the Channel Islands or the Isle of Man in respect of legal liability loss damage cost or
(hereinafter called the “Locally Issued Policy”) by expense as insured under the Policy then the Policy
virtue of its scope of cover or definitions or subject to its terms and conditions shall provide
conditions not indemnify the Insured in whole or indemnity to the extent that such indemnity is not
in part in respect of loss destruction or damage provided by the relevant Locally Issued Policy but
as insured under the Policy at such premises which would have been provided had the Locally
then the Policy subject to its terms and conditions Issued Policy followed the terms and conditions of this
shall provide indemnity to the extent that such Policy
indemnity is not provided by the relevant Locally
Issued Policy but which would have been Special Provision — Employers’ Liability Section
provided had the Locally Issued Policy followed and Public and Products Liability Section and
the terms and conditions of this Policy Motor Fleet Section
In the event that any part of this exclusion is found to Subject otherwise to the terms conditions and
be invalid or unenforceable the remainder shall remain exclusions of the Policy the terrorism exclusion stated
in full force and effect above shall not apply and indemnity shall continue to
operate to the extent provided for as follows
4. Liability Coverages - Terrorism
under the 1. the insurance provided under the Employers’
Liability Section where operative shall continue to
(a) Employers’ Liability Section satisfy the requirements of the relevant law
(b) Public and Products Liability Section applicable in Great Britain Northern Ireland the
(c) Professional Indemnity Section Isle of Man the Island of Guernsey the Island of
(d) Officials’ Indemnity Section Jersey or the Island of Alderney or where so
(e) Motor Fleet Section extended to offshore installations in any waters
(f) Cybermedia Liability Section outside the United Kingdom to which the
Employers’ Liability (Compulsory Insurance) Act
1969 or any amending primary legislation applies
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Public Sector General Terms and Conditions Policy Wording TRV0125 02/14 Policy Code 2009 05/12
