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Part A – Material Damage

Section 1 – Special Definitions

Damage
damage to the property insured stated in the schedule caused by any of the insured perils stated in
the schedule.

Declared Value
Your assessment of the cost of reinstatement of the property insured calculated in accordance with
paragraph a) of the reinstatement general definition at the level of costs applying at the inception of
each period of insurance ignoring inflationary factors which may operate subsequently together with in
so far as the insurance under the item provides due allowances for:
a) the additional cost of reinstatement to comply with European Union and public authority requirements

b) professional fees
c) debris removal costs.

Housing Properties
Buildings of all private dwelling houses, bungalows, maisonettes and flats belonging to you or held by
you in trust for which you are legally responsible all within the territorial limits.

One Event
The total of all losses arising from one occurrence or all occurrences of a series consequent upon or
attributable to one original cause after the application of all the terms and conditions of this part.
For losses attributed separately to damage by insured perils 5, 6, 7, 8, 9, 10 or 12 One Event means
any separate period of 72 consecutive hours during the currency of this part.

Terrorism
a) In respect of any occurrence in England including the Channel Tunnel up to the frontier with the
Republic of France as set out by the Treaty of Canterbury 1986, Wales, Scotland, Northern Ireland,
the Isle of Man and Channel Islands but not the territorial seas adjacent thereto as defined by the
Territorial Sea Act 1987, the Territorial Sea Act 1987 (Isle of Man) Order 1991, the Territorial Sea
Act 1987 (Jersey) Order 1997 and Territorial Sea Act 1987 (Jersey) (Amendment) Order 2002:

acts of persons acting on behalf of or in connection with any organisation which carries out
activities directed towards the overthrowing or influencing by force or violence of Her Majesty’s
government in the United Kingdom or any other government de jure or de facto
b) in respect of any occurrence elsewhere than as described in a) above:

any act or preparation in respect of action or threat of action designed to influence the government
de jure or de facto of any nation or any political division thereof or in pursuit of political, religious,
ideological or similar purposes to intimidate the public or a section of the public of any nation by
any person or group whether acting alone or on behalf of or in connection with any organisation
or government de jure or de facto and which:
i) involves violence against one or more persons
ii) involves damage to property

iii) endangers life other than that of the person committing the action
iv) creates a risk to health or safety of the public or a section of the public

v) is designed to interfere with or to disrupt an electronic system
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