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We will not pay any costs or expenses:
1) incurred in removing debris except from the site of the property destroyed or damaged and the
area immediately adjacent to the site
2) arising from pollution or contamination of property not insured by this section.

The amount payable under each item will not exceed in total its sum insured.

2.2 Automatic Reinstatement of Sum Insured
Payment of a claim will not reduce the sums insured except upon written notice by us to the contrary
provided always that you take immediate steps to effect such additions to or variations in the
protections of property insured as we may require.
2.3 Capital Additions and Acquisitions
We will indemnify you in respect of Damage occasioned to any similar property acquired during any
one period of insurance up to £100,000 any one item of property and £500,000 in the aggregate in
any one period of insurance.

Provided always that within one month of each renewal date or such other period as we allow you
will furnish to us details of all such property and details of deletions during such period of insurance
whereupon we will charge one half of the annual premium in respect of such property the premium
for the ensuing years being calculated accordingly.

2.4 European Union and Public Authorities Requirements
Subject to the following supplementary conditions the insurance by this section includes such
additional cost of reinstatement as may be incurred solely by reason of the necessity to comply with
the stipulations of:
a) European Union legislation

b) Building or other regulations under or framed in pursuance of any Act of Parliament or bye-laws
of any public authority

hereafter referred to as ‘the Stipulations’.
We will not pay for:
i) the cost incurred in complying with the Stipulations:

1) in respect of Damage occurring prior to the granting of cover by this section
2) in respect of Damage not insured by this section
3) under which notice has been served upon you prior to the Damage occurring

4) for which there is an existing requirement which has to be implemented within a given period
5) in respect of property entirely undamaged by any cause hereby insured against

ii) the additional cost that would have been required to make good the property lost or damaged to a
condition equal to its condition when new had the necessity to comply with the Stipulations not arisen
iii) the amount of any charge or assessment arising out of capital appreciation which may be payable in
respect of the property or by the owner because of compliance with the Stipulations.

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