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Part D – ‘All Risks’

Section 1 – Special Definitions

Damage
damage resulting from a cause not otherwise excluded.

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

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 to the property insured stated in the schedule occurring during the period of
insurance within the territorial limits we will at our option indemnify you by payment, reinstatement,
replacement or repair.

Provided always that our liability will not exceed:
a) in respect of any item its sum insured

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).

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