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11. Impact
Impact by any road vehicle or by goods falling from them or by any animal.

12. Sprinkler Leakage
Accidental escape of water from any automatic sprinkler installation in the premises not caused by:

a) freezing while the building in so far as it is in your ownership or tenancy is empty or not in use for
more than 30 consecutive days

b) explosion, earthquake or heat caused by fire.
13. Houseowners
Being insured perils 2, 5, 7, 8, 10, 11 and 12 and:
a) theft involving breaking into or out of the buildings at the premises by forcible or violent means
excluding damage in respect of any building which is empty or not in use
b) breakage or collapse of communication apparatus
c) accidental breakage of fixed glass and or fixed sanitary ware except in respect of any building
which is empty or not in use
d) accidental damage to supply pipes and cables
e) falling trees or branches
f) leakage of fuel oil from any fixed oil-fired installation including smoke and smudge damage arising
from defective vaporisation.
Supplementary Provision to Insured Peril 13
We will indemnify you in respect of loss of rent if any building or any portion of it is unfit for
occupation but only in respect of the period necessary for reinstatement for an amount not exceeding
20% of the full value of the building.

14. Subsidence
Subsidence or ground heave of any part of the site on which the property stands or landslip excluding:
a) damage or business interruption arising from damage to adjoining and specifically associated
yards, car parks, roads, pavements, forecourts, walls, gates, fences and exterior swimming pools
unless a building insured at the same premises is also damaged
b) damage or business interruption caused by or consisting of:
i) the normal settlement or bedding down of new structures
ii) the settlement or movement of made-up ground

iii) coastal or river erosion
iv) defective design or workmanship or the use of defective materials
v) fire, explosion, earthquake or escape of water
c) damage or business interruption which originated prior to the inception of this cover
d) damage or business interruption resulting from:

i) demolition, construction, structural alteration or repair of any property
ii) groundworks or excavation
at the same premises.
Supplementary Condition to Insured Peril 14

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