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We will not pay for:
i) scratched glass

ii) breakage or damage resulting from repairs or alterations to the premises or while the premises
are unoccupied

iii) the first £100 of each and every loss at each separate premises.

2.9 Landscaped Gardens
This part includes reasonable costs and expenses necessarily incurred with our consent in making good
damage caused by the emergency services to landscaped gardens or grounds at the premises caused
by Damage but excluding:
a) the cost of movement of soil other than as necessary for surface preparation
b) the failure of trees, shrubs, plants or turf to become established following replanting
c) the failure of seeds to germinate.

Provided always that our liability any One Event will not exceed £10,000.

2.10 Metered Water
This part includes the cost of metered water for which you are legally responsible arising from its escape.
Provided always that:
a) the amount payable in respect of any one premises is limited to such excess water charges resulting
from accidental escape of water from pipes, apparatus or tanks in consequence of Damage
b) our liability any One Event will not exceed £10,000.

2.11 Non-Invalidation
This insurance will not be invalidated by any act or omission or by any alteration whereby the risk of
Damage is increased unknown to you provided always that you immediately on becoming aware give
us notice and pay an additional premium if required.

2.12 Reinstatement Basis
Subject to the following supplementary conditions the basis upon which the amount payable in respect
of buildings and contents is to be calculated will be reinstatement.
Supplementary Conditions
1. Our liability for the repair of partially damaged property will not exceed the amount which would
have been payable had such property been wholly destroyed.
2. No payment beyond the amount which would have been payable in the absence of this clause will
be made:
a) unless reinstatement commences and proceeds without delay
b) until the cost of reinstatement has been incurred

c) if the property insured at the time of its Damage is insured by any other insurance effected by
you or on your behalf which is not on the same basis of reinstatement.

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