Helpline: 0208 256 1929
Specially negotiated for Restaurants & Pubs with Dining Facilities By


 Please do not hesitate to contact us should you have any queries relating to the Dinersguard Policy

This is a summary of the policy and does not contain the full terms and conditions of cover, which can be found in the policy document. It is important that you read the policy documents carefully when you receive them .

Please ensure that full and accurate information has been provided to us or the insurer- all statements made on proposal forms, claim forms and other documents must be full and accurate. Please note that all information needs to be disclosed, this includes information where a claim was not made, but an incident occurred. Any information not disclosed to your insurers or to us could invalidate the insurance

Name of Insurer:
Each individual quote, and subsequent policy documents, will state the name of the insurer

Duration of Policy:
The policy will remain in force for 12 months from the date of commencement or as shown in the Dinersguard Schedule

Type of insurance and cover:
This is a commercial combined policy

Your right to cancel
If this cover does not meet your requirements, please return all your documents and any certificate to the Broker, Intermediary or Agent who arranged the Policy within 14 days of receipt. We will return any premium paid in accordance with the General Condition in respect of Cancellation in the Policy Document.

If you wish to terminate the contract at any other time, please contact the Broker, Intermediary or Agent who arranged the Policy. Any return of premium will be made in accordance with the General Condition in respect of Cancellation in the Policy Document.

How to make a claim

Please contact in the first instance, the Broker, Intermediary or Agent who arranged the Policy. Please quote your Policy Number

How to complain

If you have an enquiry or complaint arising from your Policy, please contact the Broker, Intermediary or Agent who arranged the Policy for you or follow the Complaints Porcedure as set out at the back of your Policy Document

Significant Features & Benefits:
The standard Dinersguard Policy includes the following: -

Section A - Material Damage - "All Risks" basis


Theft Cover is subject to Forcible & Violent Entry/Exit to/from The Premises
£350 Franchise - this means that the Section does not cover any claims less than £350, and when a claim of more than £350 is submitted no excess is deducted
Minimum General Contents Sum Insured £15000
Explosion Cover includes commercial boilers
Excluding Property in the Open unless specifically agreed otherwise
Employees Personal Effects Limit £350 subject to a £50 excess
Including Theft Damage to the Premises where the Insured is legally liable
Including Debris Removal
Including Damage caused by leakage of Bulk Supplied Beverages, Fuel
Including Loss of Metered Water £1500
Including Seasonal Increase in Stock Sums Insured - by 20% from 15th November to 15th January and 30 days preceding Easter Day
Including Replacement of external door locks &/or keys and Safe keys following theft of Keys from the insured premises or the home of the Insured or an authorised Employee subject to Limit £500 any one claim and subject to an Excess of £25
Including Temporary Removal, Collection and Delivery of Contents subject to limit of 15% of the Sum Insured
Including Day One (Non Adjustable) Cover on the Contents (excluding Stock) with inflationary uplift of 25%

Cover can be extended to include Terrorism and/or Subsidence, ground heave and landslip

Section B - Business Interruption  

- Interruption to the Business following an insured loss under the Material Damage section, which results in reduced income and increased running costs

Declaration Linked 133.33% Basis on Gross Income
Explosion Cover includes commercial boilers
Including Specified infectious or contagious illness manifested by the Insured, guest or Employee whilst at The Premises
Including murder or suicide occurring at The Premises
Including Food Poisoning - injury or illness of by the Insured, guest or Employee arising from or traceable to foreign or injurious matter in food or drink provided at The Premises
Including Closure of the premises by a public authority due to defects in the drains and other sanitary arrangements at the Premises
Including Damage to Property at any generating station or sub-station of the electricity supply
Including Damage to the Property at any water works or pumping station of the public water supply
Denial of Access to The Premises following Damage to property in the vicinity of The Premises which prevents or hinders access or use of The Premises

Cover can be extended to include Terrorism Cover

Section C - Customers Effects 

Including clothing and other personal effects whilst at The Premises
Limit £250 per Customer subject to £10 excess each and every claim
Excluding loss or Damage by Theft unless evidenced by forcible and violent means
Excluding that part of any property undergoing repair, cleaning, alteration, renovation or engraving
Excluding consequential loss
Excluding depreciation, wear & tear, action of light or atmospheric conditions, insects, vermin, rust, wet or dry rot or any gradually operating cause

Section D - Money - Loss of money belonging to your business

 Limit £250,000 Non- Negotiable forms of Money whilst at The Premises, in transit or private dwelling house of the Insured's principals, authorised Employees.

Limits for Negotiable forms of Money:-

  •  £250 after Business Hours not contained in locked safe
  • £1,000 after Business Hours contained in any unspecified locked safe
  • £2000 in transit or in the bank night safe or whilst at the premises of the Insured during Business hours
  • £500 at the private dwelling house of the Insured's principals, authorised Employees
  • £500 from any one Gaming Machine, subject to a Maximum of £1500 in all
  • £150 from any change machines

Money In Transit Condition -

Money in transit shall be accompanied at
all times by an escort of able bodied adult persons not less in number than those specified hereunder:

(a) No. of Persons Lower Limit Upper Limit

                 1                  £ 1               £ 2,000 
                 2                  £2,001         £ 5,000 
                 3                  £5,001         £ 8,000 
                 4                  £8,001         £10,000

(b) private transport to be used for amounts greater than £2,000 where distance exceeds one mile.

  • Including loss or damage to clothing & personal effects of any principal, authorised Employee following robbery of Money or any attempt thereat subject to a Limit £100 per person
  • Including the cost of replacement or repair of any safe or case, bag or waistcoat used for the carrying of Money following theft or attempted theft of Money
  • Fidelity Guarantee Cover- loss due to fraud or dishonesty of any authorised Employee discovered:-

i) within 7 days of its occurrence subject to Money Section Limits
ii) after 7 days but within 30 days of its occurrence subject to £5000 limit and a 25% coinsurance by the Insured

Subject to a Safe Keys Condition - it is a condition precedent to liability that the Safe Keys be removed from The Premises outside Business hours

Shortage due to clerical or accountancy errors
Loss from unattended vehicles
Losses arising outside the Great Britain, Northern Island, the Channel Islands or the Isle of Man

Section E - Employers Liability

- Protection against the Insured's legal liabilities for bodily injury to the Insured's employees up to:-

Limit £10,000,000 plus costs and expenses
Legal costs and expenses in defending prosecutions under all relevant health and safety legislation
Worldwide cover for employees normally resident in the UK who are temporarily working overseas
Cover for acts of terrorism is limited to £5,000,000 per event
Liability in respect of liquidated damages, penalty clauses and fines
Work in or on or travel to or from any offshore installation or support vessel
Bodily injury to an employee carried in or on, entering or alighting a vehicle or where Road Traffic Act Legislation applies.

Section F - Public & Products Liability

- Protection against the Insured's legal liability for bodily injury to third parties and damage to their property, including obstruction, trespass, nuisance, interference, wrongful arrest and eviction

Limit £2,000,000 including costs and expenses - a higher limit of £5,000,000 is available upon request subject to additional premium
Excess £250 Third Party Property Damage
Including liability in respect of loss or damage to premises (or fixtures & fittings thereof) leased or rented to the Insured (other than loss or damage caused by a peril which the lease stipulates that insurance shall be effected by the lessee or tenant) subject to an Excess of £100 of such loss or damage caused by fire or explosion
Cover for acts of Terrorism is limited to £2,000,000 for any one event

Loss or damage to propery in the custody of control of the Insured or to products supplied
Gradual pollution or contamination
Work in or on or travel to or from or products supplied to any offshore installation or support vessel
Exposure to, inhalation of, fears of the consequences of exposure to/inhalation of, costs incurred in repairing, removing, replacing, recalling, rectifying, reinstating or managing any property arising out of the presence of Asbestos.

Section G - Personal Accident

For The Insured, Principals and employees of the Insured whilst on the Business of the Insured

Specified Benefits for

Total and irrecoverable loss of sight in one or both eyes
Loss of one or more limbs 
Permanent and total disablement (other than by loss of limbs or sight) which after
104 weeks from the date of such Bodily Injury prevents an Insured Person from
following, engaging in or giving attention to any kind of profession or occupation. 
Total disablement from engaging in or giving attention to profession or occupation Commencing within 12 calendar months of Bodily Injury as aforesaid payable per week (104 weeks maximum)
Partial disablement from engaging in or giving attention to a substantial part of profession or occupation commencing within 12 months of Bodily Injury as aforesaid. payable per week (104 weeks maximum)
Including Medical Expenses up to 15% of the amount paid for any valid claim in respect of Weekly Benefits


Excluding death or disablement resulting from:-

1. suicide or attempted suicide or wilful exposure to danger (except an attempt to save human life) or due to or contributed to or accelerated by any sexually transmitted disease or insanity (whether temporary or otherwise)

regnancy or childbirth

3.Flying or other aerial activities except while travelling in an aircraft as a passenger pilot or aircrew nor for the purpose of undertaking any trade or technical operation in or on the aircraft

4. accidents occurring whilst an Insured is

(a) engaged in mountaineering or rock climbing necessitating the use of ropes or guides, sub-aqua or sub-terranean pursuit, winter sports, hunting, playing football or rugby for which remuneration is received or motor cycling as driver or passenger

(b) engaged in or practising for speed or time trials, sprints or racing of any kind (other than on foot)

(c) under the influence of intoxicating liquor or drugs (other than drugs taken under medical supervision and not for the drug addiction).


Section H Legal Expenses

Some important facts about your Commercial Business Care Legal Expenses insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides. When reviewing your policy it should be read in conjunction with your Policy Schedule.
Insurer: Groupama Insurance Company Limited, Groupama House, 24-26 Minories, London. EC3N 1DE
Coverholder: Composite Legal Expenses Limited, Suffolk House, Trade Street, Cardiff CF10 5DT.
Your cover is valid for one year.

 Significant Features and Benefits Significant and unusual exclusions or limitations Relevant section in the policy document
Legal Expenses Cover
This policy covers legal and professional fees, costs and expenses up to an aggregate limit of indemnity of £500,000 (£100,000 any one claim) in connection with legal proceedings in respect of any of the following insured incidents:
1. Disputes with Employees. Defending actions brought by employees (e.g. unfair or wrongful dismissal, redundancy, pension rights, etc).
2. Employment Awards. Providing legal advice is followed your insurance will pay industrial tribunal awards.
3. Criminal Proceedings Defence Cover. The costs of defending your employees, directors or partners for prosecutions relating to your normal business activities.
4. Protection of Licences. Costs of appeal against altering, revoking or suspension of a statutory licence.
5. Property Legal Protection. Support is provided in respect of the pursuit of legal rights of your premises. It enables your business to pursue claims arising from negligent acts and omissions of others and to pursue liability for wrongful acts under the rule of Rylands v Fletcher (1868).
6. Goods or Services Contract Disputes . The business is supported in respect of disputes over the quality of goods or services sold or supplied, including enforcement.
7. Tax, VAT, PAYE, NIC Investigations including Inland Revenue Schedule D and Corporation Tax Investigation. Professional fees incurred with our consent.

The Legal Expenses Section does not cover:
• Claims notified outside the Period of Insurance. You must notify us within 180 days of any circumstances that may give rise to a claim.
• Any claim which has not been notified via our Commercial Legal Helpline. Also any action taken by the insured that has not been approved by us via the Legal Helpline, which may give rise to a claim
• Under insured incident 1 any any claim against you for personal injury to the claimant and/or loss or damage to his property.
• Under insured incident 1 any dispute where you have failed to consult the Commercial Legal Helpline immediately upon becoming aware of the dispute or potential dispute or where you have failed to heed the written advice of a Panel Solicitor or where you have failed to follow the procedures prescribed by the Commercial Legal Helpline.
• Under insured incident 2 any dispute where the award is in respect of a redundancy or in the event of your breach of a fixed term contract.
• Under insured incident 3 any claim where prosecutions are deliberately or intentionally solicited by you or involves dishonesty or violence by you (unless later acquitted) or where you have pleaded guilty and / or admitted liability.
• Claims where you take action without first obtaining our agreement or cause delay or fail to give reasonable assistance to us.
• Claims reported more than 180 days after the Insured Incident.
• Any claim where legal costs are incurred without our authority.
• Any matter in respect of which you are entitled to Legal Aid
• Most types of dispute with local or national government authorities.
• Under insured incident 4 costs in respect of an original application or standard renewal.
• Under insured incident 6 any dispute relating to any contract entered into by you in connection with a business other than for your contract of employment. Also in respect of any contract where the amount in dispute is less than £250 or more than £10,000.
• Under insured incident 7 professional fees relating to investigations or disputes notified or which start outside the period of insurance. Also any Aspect Enquiries less than £100 or more than £1000 or any case involving criminal proceedings or fraud.
• Under insured incident 7 the first £250 of legal costs and expenses.
Terms and conditions of policy
Commercial Legal Helpline
We provide a 24 hour, seven days a week helpline service.
Terms and conditions of policy
Legal Advice Service
We will give you confidential legal advice over the phone on any personal legal problem, under the laws of the United Kingdom.


Terms and conditions of the Legal Expenses Section 

We hope that you will be happy with your insurance policy. If not, please contact us (or the intermediary or organisation that arranged this insurance on your behalf). If you decide not to proceed with this insurance you should return the Policy Documents within 14 days of receipt.
Providing a claim has not been made and so long as no incidents have arisen that could result in a claim under the policy, we will refund any premium you have paid.
Making a Claim
Call the Composite Legal Expenses claims helpline on: 0871 423 5244
The following information will be required:
• Policy reference as above.
• Your name and address.
• The type of insured problem you are experiencing
Complaints Procedure
If you are not satisfied with any aspect of this policy or our service, you should write to: The Managing Director Composite Legal Expenses Limited, Suffolk House, Trade Street, Cardiff CF10 5DT.
If your concern or issue cannot be settled you may be entitled to refer it to the Financial Ombudsman Service.
If you wish to put your complaint direct to the insurer, their address is Groupama Insurance Company Limited, Groupama House, 24-26 Minories, London. EC3N 1DE
Groupama Insurance Company Limited is covered by the Financial Services Compensation Scheme (FSCS). This means that you may be entitled to receive compensation if it is unable to meet its obligations. Full details are available from FSCS.

Groupama Insurance Company Limited Registered Number 995253
Registered in England Registered Office: Groupama House 24-26 Minories London EC3N 1DE,uk
Member of the Association of British Insurers
Authorised and regulated by the Financial Services Authority





    Extension A -  Property In the Open

Property in the Open shall mean garden furniture and garden ornaments, as declared in the Schedule
Excess £250 each & every claim
Limit Any One Item £1000
Excluding marquees, awnings canopies and other similar structures, bouncy castles and inflatable play equipment
Excluding the application or failure to apply cleaning fluids or chemicals
Excluding wear, tear, course of play and maintenance work
Excluding mechanical and electrical breakdown

Extension B - Buildings & Tenants Improvements 

£350 Franchise - this means that the Section does not cover any claims less than £350, and when a claim of more than £350 is submitted no excess is deducted
Explosion Cover includes commercial boilers
Including Architects' Fees, Local Authorities & Debris Removal
Including Day One (Non Adjustable) Cover with inflationary uplift of 25%Subsidence/Landslip/Heave cover can be selected subject to additional premium and Memorandum 8 below, with minimum Excess £100
Please note that if this section is selected the Glass Section will also be included per details of Optional Extension E below

Extension C - Loss of Licence

- The reduction in value of your interest in the premises or in the business as a result of non-renewal or withdrawal of the Insured licence from causes beyond your control.

Standard Sum Insured £100,000 - a higher sum insured can be selected subject to additional premium
Loss of Licence for the sale of excisable liquors due to forfeiture under licencing regulations or refusal by the Licencing Authority
Subject to the forfeiture or refusal being due to causes beyond the control of the Insured

Arising out of any town or country planning, improvement or redevelopment
Compulsory purchase or surrender
Reduction or redistribution of licenses
A change in law

Extension D - Outstanding Debit Balances

- Cover the costs of tracing and establishing how much the Insured"s customers owe the Insured and the amount of any unpaid debts which cannot be traced following loss of or damage to our business books or records

Subject to loss or damage of the Insured's book of account or other business books being lost or damaged as described by Section A Property Damage Contents Insurance
Total outstanding debits claimed less bad debts must not exceed 75% of the Sum Insured
Subject to the Insured keeping their book of account or other business books in a fire resisting cabinet when not in use or off-site within a building

Extension E - Glass

Excess £100 each and every claim
Subject to the Sum Insured as stated in the Schedule
All internal and external glass
Including damage to contents of display windows, the removal and reinstatement of obstructions to the replacement of glass and damage to window and door frames also damaged at the time of the glass damage subject to an aggregate limit £300
Excluding glass in light fittings, signs, vending machines or stock in tradeExcluding damage in unoccupied or disused premises
Excluding damage caused by workmen effecting alterations or repairs to the premises
Excluding whilst in transit or whilst being fitted
Excluding any item flawed or broken at the commencement of the insurance

Extension F - Frozen Foods

- Deterioration of foods following the breakdown of refrigeration units or accidental failure of the public electricity supply

£50 Excess each and every claim
Standard Limit £2000 - a higher limit can be selected subject to additional premium
Subject to a limit of £300 any one claim in respect of cabinets over 10 years old
Subject to the Insured effecting a maintenance contract to any refrigeration units which are not under a guarantee period and do not have airtight sealed motor and compressors

Extension G - Goods In Transit

Standard Limit £1000- a higher limit can be selected subject to vehicle security and additional premium
£50 Excess each and every claim
Subject to any unattended vehicle left after 9pm being locked, immobilised and garaged or parked in a secured, enclosed yard
Excluding damage to property in any soft topped, open topped or open sided vehicle if caused by theft or attempt thereat, malicious damage or storm

Unless stated otherwise All Dinersguard Policies are subject to:-

MEMORANDUM 2  General Protections & Risk Improvements Condition

It is hereby noted and agreed that with all existing protections and any additional protections required by The Underwriters shall be maintained throughout the period of insurance and be in actual and complete operation whenever the Premises are left unattended.  Furthermore, if the Underwriters survey the insured Premises, it  is a condition precedent to the liability of the Underwriters that all requirements as specified in the Risk Improvements remain in place and fully operational throughout the currency of this Policy.


MEMORANDUM 3 - Physical Protections Condition

It is a condition precedent to The Underwriter's liability in respect of Damage by Theft or any attempt thereat that:

In respect of all external doors (including wicket gates) and internal doors leading to other premises or part of premises not occupied by the insured.

Timber and Steel Doors
To be secured by either
(i) a mortice deadlock conforming to BS3621 together with a compatible boxed striking plate
(ii) a close shackle padlock with minimum shackle thickness of 10mm together with the manufacturer's corresponding locking bar
or (for doors other than final exit)
(iii) two key operated security bolts for doors one fitted approximately 300mm from the top of the door and the other approximately 300mm from the bottom.

Aluminium and UPVC Doors
To be secured by a cylinder operated mortice deadlock or deadlocking multi-point locking system.

Roller Shutter Doors
To be secured by either
(i) two cylinder operated shutter locks with one lock fitted at each end of the shutter
(ii) a close shackle padlock with minimum shackle thickness of 10mm together with the manufacturer's corresponding locking bar.

Horizontal Sliding or Folding Doors
To be secured by either
(i) a hook bolt mortice deadlock
(ii) a close shackle padlock with minimum shackle thickness of 10mm together with the manufacturer's corresponding locking bar

Double Leaf Doors
The final closing leaf to be secured by the appropriate locks as detailed above the first closing leaf to be secured by flush bolts or key operated security bolts top and bottom throwing into the framework and sill.


Outward Opening Doors (applicable to timber and steel doors only)

In addition to the appropriate locks and bolts detailed above each outward opening door to be fitted with hinge bolts top and bottom.

The above requirements do not apply to any door officially designated as a fire exit by the fire authority other than security for outward opening doors.

Each ground floor and basement opening window or skylight and other window or skylight accessible from decks roofs balconies canopies fire escapes or downpipes to be secured by a key operated lock fitted independently of the existing fastener unless the lock forms part of the original fastener design

This requirement does not apply to any window or skylight which is either
(i) protected by solid steel bars grilles lockable gates expanded metal or weld-mesh
(ii) officially designated as a fire exit by the fire authority


MEMORANDUM 5 - Premises Inspection Condition

 It is a condition precedent to liability  that the Insured:-

a)      at the close of business makes an examination of the buildings for smouldering matches, tobacco or other smoking materials, emptying ashtrays and smoking waste materials into a metal lidded receptacle.  Furthermore it is warranted that the Insured signs inspection reports made daily, with such reports checked at least once a week by the management, or where no employees, the aforementioned to be carried out by the Insured as agreed by the Insured or by the committee. 

b)      Has a responsible person inspect all gym equipment daily before use and any such equipment which is found to be defective is immediately withdrawn from use until it has been satisfactorily repaired


MEMORANDUM 6 - Frying and Cooking Equipment Condition

It is a condition precedent to liability that
i)  the frying equipment within the Premises is securely fixed and free from contact with any combustible materials and installed and maintained in accordance with the manufacturers instructions
ii) the equipment is fitted with a cooking thermostat which prevents the temperature of fat or oil exceeding 205 degrees Centigrade (401 degrees Fahrenheit). Gas-heated equipment is
additionally fitted with a flame failure cut-off device
iii) exhaust hoods, canopies and filters where installed are cleaned at regular intervals not less than once every month and maintained by professional servicing at least once in each 12 month period
iv) no flammable solvents or other flammable cleaning aids are used

v) the following is provided in the vicinity of the equipment in a clearly accessible position
       a) a fire extinguisher suitable for use on fat or oil fires
       b) a fire blanket


MEMORANDUM 7 - Snooker/Billiard/Pool Table Clause -

The Insurance by this Policy excludes loss of or damage to Billiard/ Snooker tables caused by


i) the use of heated irons
ii) sparks, lighted or burning matter from
  a)  smoking materials, 
  b)  lamps or their shades
iii)  a cue or rest
MEMORANDUM 11 - Flat Roof Inspection Condition

It is a condition precedent to liability that any flat roof area of the insured Premises is inspected annually by a competent person and written details of its condition logged within the Insured's records and any damaged or worn areas to be made good within 30 days of the damage or worn areas being noticed.


 MEMORANDUM 13 - Open Fires Condition

 It is a condition precedent to liability that the Insured carries out a thorough examination of any open fire at the Premises to ensure it has been completely extinguished once the last patron has left the premises or where the Insured provides accommodation when the last guest has retired to bed.


MEMORANDUM 14 Hot Works Condition

It is a condition precedent to liability that whenever the Insured has Hot Works carried on at the Premises, a record must be kept by Insured of all contractors liability insurance with the contractors confirmation that they are insured for Hot Works contracts and have a Hot Works Permit System.

A Hot Works Permit System must include the following;-

  1. An appointed Responsible Person to issue permits and monitor their use
  2. Before the permit is issued, the said Responsible Person must inspect the area to ensure that all combustible material is removed from the area of work. Combustible material and equipment that cannot be temporarily relocated to be covered with fire-retardant tarpaulins or other non-combustible covers.
  3. Blow lamps, torches and flame guns not to be left unattended
  4. At least a portable fire extinguisher or hydraulic hose reel, to be provided at the place where the Hot Work is to take place, ready for immediate use in the event of an outbreak of fire.
  5. A 'fire watch' to continue for at least 1 hour after the completion of the work, to detect and extinguish any incipient burning in the work area and in any adjoining area to which sparks and heat may have spread.

Furthermore, Hot Works must always be carried out by a bona fide sub contractor with own insurance and NEVER be carried out by the Insured.

MEMORANDUM  16 - Construction

 It is hereby noted and agreed that the building(s) construction is as detailed in the proposal form which is lodged with The Underwriters


MEMORANDUM  17 - Garden Play Equipment Condition

t is a condition precedent to liability  under the Policy that all garden play equipment is inspected thoroughly by

(a) the Insured every two months between October and March and every two weeks from April to September
(b) a specialist contractor at least annually

And a written record is kept of all inspections defects found and remedial action taken.


MEMORANDUM 18 - Toilet Checks Condition

It is a condition precedent to liability that
(i)               the toilets are checked regularly, at least every hour
(ii)              details of the conditions found and the remedial measures taken where necessary should be recorded.
(iii) additionally the duty manager or night porter should sign off in the day book that no incident has occurred on the shift.

This information should be retained for a period of three years.

Dinersguard Policies may also be subject to (as per quotation details)

MEMORANDUM 1 - Three year Long Term Agreement -

It is noted and agreed that the Insured having renewed and paid the policy premium, the Long Term Agreement, as below, is effective from the Renewal Date

The Insured hereby undertakes to offer annually for three years the Insurance under the Section(s) covered by this Policy on the Terms and Conditions in force at the expiry of each Period of Insurance and to pay the premium(s) thereon annually in advance, it being understood that:

a. The Underwriters shall be under no obligation to accept an offer made in accordance with this undertaking.

b. The sum insured may be reduced at any time to correspond with any reduction in value.

This Long Term Agreement shall apply to any Policy or Policies which may be issued by The Underwriters within the said period of three years in substitution for the above mentioned Policy.

It is further agreed that this Agreement shall be without prejudice to the terms of the cancellation condition under the General Condition No. 15 of the Policy by virtue of which The Underwriters may at any time terminate the Insurance as set out in the said Condition.

MEMORANDUM 4 - Intruder Alarm Protections Condition

It is a condition precedent to The Underwriter's liability in respect of Damage by Theft or any attempt thereat that:

A Whenever the Premises are closed for business or left unattended they shall be protected by an Intruder Alarm
i) the Specification of which has been agreed by The Underwriters
ii) which shall be set in its entirety.


B The Insured shall
i) keep in force during the currency of this Section a contract with a company, acceptable to The Underwriters, to maintain the Intruder Alarm in proper working order.
ii) obtain written permission from The Underwriters before agreeing to any alteration to
   a) the maintenance company's emergency service facilities
   b) any part of the Intruder Alarm 

C If the Police give warning of a withdrawal of their service, the Insured shall immediately notify The Underwriters.

D If any defect in the Intruder Alarm is discovered or the Police have withdrawn their services, the Insured shall
i) immediately notify The Underwriters
ii) not leave the Premises unattended without the prior consent of The Underwriters
iii) put into effect such additional temporary precautions and safeguards as The Underwriters may require
iv) notify the maintenance company immediately and give immediate instructions for the necessary repairs to be carried out.

MEMORANDUM 8 - Subsidence Extension -

It is hereby noted and agreed that Exception D(i) under Optional Extension B Buildings and Tenants Improvements is deleted and of no further effect.

The Policy is extended to include

SUBSIDENCE OR GROUND HEAVE of the site on which the Property Insured stands or LANDSLIP but excluding:

  1. Damage Caused by:
    1. coastal erosion
    2. collapse, cracking, shrinkage or settlement of buildings or any part thereof
    3. defective design or inadequate construction of foundations
    4. demolition, structural alteration or repair
    5. settlement or movement of made up ground
  2. Damage to forecourts, car parks, driveways, footpaths, walls, gates, hedges or fences unless specifically insured and then only when such Damage occurs also to a building insured hereunder such Damage
  3. Damage which originated prior to the inception of this cover
  4. The first £1,000 of each and every claim as ascertained after the application of the condition of Average
Limit of Liability:
The sum insured as stated by each item on the Schedule.

MEMORANDUM 9 - Unoccupied Condition

It is a condition precedent to liability  that -

1.      all waste, refuse and other disused combustible material (s) be cleared from the building (s) and surrounding yards and removed from the premises; 2.      all external doors be securely closed (and locked if practicable) and all keys accounted for; such locks to be changed immediately in the event of a key becoming misplaced or lost;
3.      all opening windows be securely closed (and locked if practicable);
4.      all accessible windows be securely barred and/or boarded and/or bricked up;
5.      all letter box flaps and other similar gaps and orifices be securely sealed; 6.      other than those required to maintain essential services and agreed by The Underwriters during the period of unoccupancy, all gas and electricity supplies to be switched off and disconnected and all water apparatus to be drained and switched off;
7.      the Insured arranges for the premises to be inspected at least once per week or at such frequency agreed in writing by The Underwriters during the period of unoccupancy;
8.      the Insured notifies The Underwriters immediately on becoming aware that the premises are to be occupied by contractors for renovation, alteration or conversion purposes.


MEMORANDUM 10  - Property in the Open -

It is noted that the following Exceptions are added to Section A - Property Insurance Club Contents

1.     Loss or Damage of any Property kept in the open by Theft or attempted theft
2.     Loss or Damage of any Property in the open caused by riot civil commotion strikers locked out workers or persons taking part in labour disturbances or malicious persons.
3.     Loss or Damage of any Property in the open caused by Storm Tempest or Flood
4.     Loss or Damage of any Property in the open caused by Impact by any road vehicle or by goods falling therefrom, or by animal.
5.     Loss or Damage of any Property in the open caused by any Accidental damage.


MEMORANDUM  12 - Obsolete Buildings Clause -

An industrial or commercial buildings, occupied or otherwise, may be considered to be obsolete when;-

It is at least 50 years old
It is impractical to re-build in the same style and/or materials
It is not listed nor subject to any statutory or other obligation to rebuild or  reinstate damage in existing style and/or materials in whole or in part.
It is hereby understood that in the event of a substantial loss, the Insured shall

A ) replace the building with another one of modern style and materials or

B) purchase another similar building

In either case providing comparable facilities at a lower cost than that which would be incurred by rebuilding in the existing form. In such circumstances for the purpose of Average the Basis of Valuation shall be respectively;-

1) the cost of erecting a modern building providing comparable facilities plus, if insured, an allowance for Debris Removal Costs, Professional Charges/ Fees and Additional Expenditure arising from Local Authority requirements, or

2) the cost of purchasing a similar building to the one insured, plus if insured, an allowance for Debris Removal Costs.

MEMORANDUM 15 Additional Interest details