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c) any action in controlling, preventing, suppressing, retaliating against or responding to any act or
preparation in respect of action or threat of action described in a) or b) above.

Section 2 – The Cover

In the event of Damage occurring during the period of insurance we will pay you the value of the
property at the time of its Damage or the cost of repair of the Damage or at our option indemnify
you by reinstatement, replacement or repair.
Provided always that our liability under this part will not exceed:

a) in the whole the total sum insured or in respect of any item its sum insured or any other limit of
indemnity stated in the schedule at the time of the Damage

b) the sum insured (or limit) remaining after deduction for any other Damage occurring during the
same period of insurance unless we have agreed to reinstate any such sum insured (or limit).

2.1 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 provided always that
you take immediate steps to effect such additions to or variations in the protections of the property
insured as we may require.

2.2 Capital Additions and Alterations
This part includes:
a) any newly acquired buildings or contents not otherwise insured within the territorial limits
b) completed alterations, additions or improvements to buildings or contents

but not in respect of any appreciation in value during the current period of insurance at any of the
premises insured.

Provided always that:
i) at any one site our liability will not exceed £5,000,000
ii) you will supply to us details of all such extensions of cover at the end of each period of insurance
and pay any additional premium required.

2.3 Contracting Purchasers
If at the time of Damage you have contracted to sell your interest in any building and the purchase
has yet to be completed when completion takes place the purchaser will be entitled to the benefit
under this part provided always that the property is not otherwise insured.

2.4 Drains and Gutters
This part includes reasonable costs and expenses necessarily incurred with our consent in cleaning or
clearing drains, sewers or gutters following Damage to your property or property for which you are
legally responsible provided always that our liability any One Event will not exceed £10,000.

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