Marine aviation insurance policy ( Cargo )

The company agrees to insure the insured against loss / damage or expenses upon paying the premium required or on his behalf, contained in the table herein after in pursuance to general provisions.
Provisions and addends read together as part of this policy


Group’s Provisions for
Cargo Insurance (A)

Covered Risks:

Provisions:
1. This insurance covers all risks for loss, damage to insured items, unless other wise stated herein after in provisions (4), (5), (6), (7).

Geranial Average Provision:

2. This insurance cover general average and rescue expenses which is based or resolved according to transport contract / or prevailing law and conventions which is intended to prevent any loss causes except for provisions (4), (5), (6),(7).

3. Joint Liability:
This policy further extends to indemnify the insured against his part in the joint liability according to transport contract as a loss incurred by this policy, if any claims arise from ship owners, the insured shall notify the insurer, who shall have the right to defend the insured, at his own expenses.

Exceptions:
General provisions:

4. This insurance does not cover the following:

4.1 Loss, destruction and damage arise from insured malicious willful acts.
4.2 Natural loss of weight, volume or weariness of items.
4.3 Loss, damage or expenses arising from insufficiency in adequacy of item packaging or preparations.
(Under this provision “ packaging”) includes containers stowage, palletizing before insurance effected).
4.4 Loss, damage and expenses arising from inherent defects in insured items.
4.5 Loss, damage and expenses arising from delay even if it is caused by insured risk (except in provision “2” hereinabove).
4.6 Loss, damage and expenses arising from insolvency or incompetence of ships’ owners, managers or agents.
4.7 Loss, damage and expenses arising from nuclear warfare weapons either the reaction caused by nuclear fission or any such reaction using radioactive materials.

5. Provisions for Navigation Unfitness & Incompatibility –(Exception):

5.1 This policy, any way, shall not cover loss, damage and expenses arising from:
• Unfitness of ship or boat for navigation.
• Unfitness of the ship, boat, container or pallet for handling insured items.

5.2 It is agreed, between insurer and insured, that the cargo ship is fit for navigation.

In case of loss or damage of insured items, the insured is entitled for claim.

Warfare Exceptions:

6. This policy does not cover, what so ever, loss, damage and expenses arising from the following:

6.1 War, civil war revolution, disobedience, rebellion and civil disputes, thereof or such adverse actions.
6.2 Seizure, custody, arrest and hindrance and ensuing consequences thereof (except piracy).
6.3 Mines, bombs and other explosive weapons.
Strike’s Exceptions:

7. This insurance does not cover in any way loss, damage or expenses arising from:
7.1 Striker workers, mutiny, rioting acts or civil disturbances.
7.2 Strikes, mutiny, riots or civil disturbance.
7.3 Terrorist acts or politically- motivated persons.

Duration of Insurance:

8. Transport Provision:

8.1 This insurance is effected from the time of removing the cargo from stores, storing places stated in the policy enroute to destination. This period expired either:

8.1.1 Delivery of goods to consignee’s stores or other terminal or place in destination, stated in the policy.

8.1.2 Delivery to any stores enroute to destination or to its final destination stated in the policy as may be required by the insured

8.1.2.1 For storage except happenings during normal route.

8.1.2.2 For goods distribution or appropriation.
or
8.1.3 Elapsing of 30 days after completion of unloading of insured cargo in the destination port which is prior in occurrence.

8.2 In event of consigning cargo after unloading in destination port, with the insurance remained valid, to other destination infringe that in the policy, then, the insurance would cease to become valid on the onset of consigning to that other destination.



8.3 This insurance remains valid (subject to rules “9” herein below). During uncontrollable delays of insured, deviation, emergency unloading and reloading, transshipment. Like wise any change in voyage route due to licensing causes pertaining to ships owner or agent under transport contact.

Transport Contract Expiry Provisions:

9. For reason beyond the insured, if the transport contract expired at a place other than the destination stated in the policy, or before delivering the cargo according to provision (8) herein before, therefore the validity of insurance will expire, unless the insurer in notified to continue the average against required additional premium. Either:

9.1 Cargo delivered and sold at that port or place, otherwise elapsing of 30 days after arrival of insured cargo to that place, which in come first or:

9.2 Cargo consigned in the course of the 30 days (or any extension agreed upon) to stated destination, to any other destination, validated till expiry of the policy according to provision (8) herein before.

Route change provision:

10. In case, the insured change the destination after the inception of the insurance, he shall notify the insurer to agree upon additional premium, in order to validate the policy.

Claims
Insurance Benefits Provision:

11.11.1 Insured shall have benefits in the event of loss / damage, in order be indemnified under this insurance policy.

11. 2 The insured has the right to be indemnified against loss / damage in course of the policy irrespective of the damage / loss occurrence before concluding the insurance policy, unless, the insured is aware of that loss / damage and the insurer is not.

Consignment Charges Provision:

12. Due to any covered risk under this policy, the voyage ended up in destination other than the stated in this policy, therefore, the insured shall be reasonable indemnified for extra charges incurred in unloading, storage and consigning the cargo to stated destination in the policy.

This provision is unapplicable to general average expenses or rescue, subject to exceptions in (4), (5), (6), (7) herein above, and does not include expenses arising from faults, default insolvency or financial difficulties of insured or his agents.

Total Loss Estimation:

13. It is not allowed for, unless insured cargo is reasonably abandoned, either for in evitable virtual total loss or the cost of recovering, altering or reconsigning it to required destination, exceeds its value.

Value Increase Provision:

14.14.1 when additional insurance strike, it would automatically add to the value of insured cargo in the policy plus other insurance. Liability is accordingly accounted by ratio of this added value to total insurance value, Hence the insured is required to evidence that at his claim.

14.2 Subject to (14.1) the value of agreed upon cargo under the original policy plus other insurances covering the loss, which the insured had striked, so liability counted proportionately.

Insurance Benefits:

15. Benefits from this insurance shall not return to the carrier or other carrier’s agent.

Loss Reduction:
Insured Obligation:

16. Obligations of insured and his agents regarding loss reimbursement as follows:

16.1 Taking reasonable precautions to lessen or hinder the loss.

16.2 Traking measures towards the right of concerned carries, agents and other parties, and insurers shall indemnify the insured for any reasonable expenses incurred towards hose purposes, plus loss reimbursement under this policy.

Relinquishment:

17. Measures taken by the insured in order to rescue, recover or maintain the insured cargo, are not deeded relinquishment or abandonment and do not affect the rights of either parties.

Avoiding Delay:

Determination:
18. The insured shall take initiative to reasonable show earnest determination at all times.

Law and Convention:

19. This insurance is subjected to Egyptian Laws and conventions

Important: The insured shall immediately notify the insurer about any incidence under this insurance coverage and his right in the coverage depends on enforcing this obligation.

Group’s Provisions for
Cargo Insurance (C)

Covered Risks:

Provisions:

1. This insurance cover all risks except for provisions (4) , (5) , (6) , (7) hereunder.

1.1 Loss / damage for insured items due to:

1.1.1 Fire or explosion.
1.1.2 Deviations, submerging or overturning of the ship or boat.
1.1.3 Overturning of the truck or derailment of the train.
1.1.4 Collision, crash of ships and boat or the truck with outside objects except water.
1.1.5 Unloading of cargo at relief ports.

1.2 Loss / damage for insured items due to:
1.2.1 General average sacrifice.
1.2.2 Casting in sea.

2. General Average Provisions:
This insurances cover general average and marine rescue expenses according to transport contract / or prevailing laws and conventions, which intended to prevent any loss causes, except for provisions (4) , (5) , (6) , (7) here in.

3. Joint Liability:
This policy further extends to indemnify the insured against his part in the joint liability according to transport contract as a loss incurred by this policy, if any claims arise from ship owners, the insured shall notify the insurer, who shall have the right to defend the insured, at his own expenses.

Exceptions:
General provisions:

4. This insurance does not cover the following:
4.1 Loss, destruction and damage arise from insured malicious willful acts.
4.2 Natured loss of weight, volume or weariness of items.
4.3 Loss, damage or expenses arising from insufficiency in adequacy if item packaging or preparations.
(Under this provision “ packaging”) includes containers stowage, palletizing before insurance effected).
4.4 Loss, damage and expenses arising from inherent defects in insured items.
4.5 Loss, damage and expenses arising from delay if it is caused by insured risk (except in provision “2” hereinabove).
4.6 Loss, damage and expenses arising from insolvency or incompetence of ships’ owners, managers or agents.
4.7 Loss, damage and expenses arising from nuclear warfare weapons either the reaction caused by nuclear fission or any such reaction using radioactive materials.
4.8

Important Remarks:

The insured shall observe the following upon arrival of insured cargo at destination port:

1. Notify in writing the control section with a manifest showing the insured cargo.

2. File a report with the concerned authority evidencing cargo condition before channeled to customs, if any evident damage, otherwise it would be deemed intact.

3. If any damage entails claim, the insurer shall submit a dated letter to :

4. (A) Al- Ahram Insurance Company (Egypt).
(B) Lloyds Agents (Abroad).

Provisions for Navigation Unfitness & Incompatibility –(Exception):

5.1 This policy, any way, shall not cover loss, damage and expenses arising from:

• Unfitness of ship or boat for navigation.
• Unfitness of the ship, boat, container or pallet for handling insured items.

5.2 It is agreed, between insurer and insured, that the cargo ship is fit for navigation.

In case of loss or damage of insured items, the insured is entitled for claim.

Warfare Exceptions:

6 This policy does not cover, what so ever, loss, damage and expenses arising from the following:
6.1 War, civil war revolution, disobedience, rebellion and civil disputes, thereof or such adverse actions.
6.2 Seizure, custody, arrest and hindrance and ensuing consequences thereof (except piracy).
6.3 Mines, bombs and other explosive weapons.

Strike’s Exceptions:

7. This insurance does not cover in any way loss, damage or expenses arising from:

7.1 Striker workers, mutiny, rioting acts or civil disturbances.
7.2 Strikes, mutiny, riots or civil disturbance.
7.3 Terrorist acts or politically- motivated persons.


Duration of Insurance:

8. Transport Provision:

8.1 This insurance is effected from the time of removing the cargo from stores, storing places stated in the policy enroute to destination. This period expired either:

8.1.1 Delivery of goods to consignee’s stores or other terminal or place in destination, stated in the policy.

8.1.2 Delivery to any stores enroute to destination or to its final destination stated in the policy as may be required by the insured.

8.1.2.1 For storage except happenings during normal route.

8.1.2.2 For goods distribution or appropriation or

8.1.3 Elapsing of 30 days after completion of unloading of insured cargo in the destination port which is prior in occurrence.

8.2 In event of consigning cargo after unloading in destination port, with the insurance remained valid, to other destination infringe that in the policy, then, the insurance would cease to become valid on the onset of consigning to that other destination.

8.3 This insurance remains valid (subject to rules “9” herein below). During uncontrollable delays of insured, deviation, emergency unloading and reloading, transshipment. Like wise any change in voyage route due to licensing causes pertaining to ships owner or agent under transport contact.

Transport Contract Expiry Provisions:

9. For reason beyond the insured, if the transport contract expired at a place other than the destination stated in the policy, or before delivering the cargo according to provision (8) herein before, therefore the validity of insurance will expire, unless the insurer in notified to continue the average against required additional premium. Either:

9.1 Cargo delivered and sold at that port or place, otherwise elapsing of 30 days after arrival of insured cargo to that place, which in come first or:

9.2 Cargo consigned in the course of the 30 days (or any extension agreed upon) to stated destination, to any other destination, validated till expiry of the policy according to provision (8) herein before.

Route change provision:

10 In case, the insured change the destination after the inception of the insurance, he shall notify the insurer to agree upon additional premium, in order to validate the policy.

Claims
Insurance Benefits Provision:

11.11.1 Insured shall have benefits in the event of loss / damage, in order be indemnified under this insurance policy.

11.2 The insured has the right to be indemnified against loss / damage in course of the policy irrespective of the damage / loss occurrence before concluding the insurance policy, unless, the insured is aware of that loss / damage and the insurer is not.

Consignment Charges Provision:

12 Due to any covered risk under this policy, the voyage ended up in destination other than the stated in this policy, therefore, the insured shall be reasonable indemnified for extra charges incurred in unloading, storage and consigning the cargo to stated destination in the policy.

This provision is unapplicable to general average expenses or rescue, subject to exceptions in (4), (5), (6), (7) herein above, and does not include expenses arising from faults, default insolvency or financial difficulties of insured or his agents.

Total Loss Estimation:

13 It is not allowed for, unless insured cargo is reasonably abandoned, either for in evitable virtual total loss or the cost of recovering, altering or reconsigning it to required destination, exceeds its value.

Value Increase Provision:

14.14.1 when additional insurance strike, it would automatically add to the value of insured cargo in the policy plus other insurance. Liability is accordingly accounted by ratio of this added value to total insurance value, Hence the insured is required to evidence that at his claim.

14.2 Subject to (14.1) the value of agreed upon cargo under the original policy plus other insurances covering the loss, which the insured had striked, so liability counted proportionately.

Insurance Benefits:

15. Benefits from this insurance shall not return to the carrier or other carrier’s agent.

Loss Reduction:
Insured Obligation:

16. Obligations of insured and his agents regarding loss reimbursement as follows:

16.1 Taking reasonable precautions to lessen or hinder the loss.

16.2 raking measures towards the right of concerned carries, agents and other parties, and insurers shall indemnify the insured for any reasonable expenses incurred towards hose purposes, plus loss reimbursement under this policy.

Relinquishment:

17. Measures taken by the insured in order to rescue, recover or maintain the insured cargo, are not deeded relinquishment or abandonment and do not affect the rights of either parties.

Avoiding Delay:
Determination:

18. The insured shall take initiative to reasonable show earnest determination at all times.

Law and Convention:

19. This insurance is subjected to Egyptian Laws and conventions

Important:
The insured shall immediately notify the insurer about any incidence under this insurance coverage and his right in the coverage depends on enforcing this obligation.

Special Provisions:

• The insured assign his all right before others or beneficiary of general average which arise from insured risk.

• The carrier ship should not have arrived, or general average is in place or exposed to accident before date of insurance acceptance.

• It should be made known and agreed upon, regardless of ship classification, that the company is unliable for all loss / damage when consigning on ships of more than 30 days old.

• The insured shall notify the company about goods storage condition for a period exceeding 30 days after completion date of unloading, otherwise he will loss his indemnification right.

Group’s Provisions for
Cargo Insurance (B)


Covered Risks:

Provisions:

(1) - This insurance cover all risks except for provisions (4) , (5) , (6) , (7) hereunder.

1.1 Loss / damage for insured items due to:
1.1.1 Fire or explosion.
1.1.2 Deviations, submerging or overturning of the ship or boat.
1.1.3 Overturning of the truck or derailment of the train.
1.1.4 Collision, crash of ships and boat or the truck will outside objects except water.
1.1.5 Unloading of cargo at relief ports.
1.1.6 Volcano, earthquake or Lightening.
1.2 Loss / damage for insured items due to:
1.2.1 General average sacrifice.
1.2.2 Casting in sea.

(2) - General Average Provisions:
This insurances cover general average and marine rescue expenses according to transport contract / or prevailing laws and conventions, which intended to prevent any loss causes, except for provisions (4) , (5) , (6) , (7) herein.

(3) Joint Liability:
This policy further extends to indemnify the insured against his part in the joint liability according to transport contract as a loss incurred by this policy, if any claims arise from ship owners, the insured shall notify the insurer, who shall have the right to defend the insured, at his own expenses.

Exceptions:
General provisions:

(4) - This insurance does not cover the following:

4.1 Loss, destruction and damage arise from insured malicious willful acts.
4.2 Natural loss of weight, volume or weariness of items.
4.3 Loss, damage or expenses arising from insufficiency in adequacy of item packaging or preparations.
(Under this provision “packaging”) includes containers stowage, palletizing before insurance effected).
4.4 Loss, damage and expenses arising from inherent defects in insured items.
4.5 Loss, damage and expenses arising from delay even if it is caused by insured risk (except in provision “2” hereinabove).
4.6 Loss, damage and expenses arising from insolvency or incompetence of ships’ owners, managers or agents.
4.7 Loss, damage and expenses arising from nuclear warfare weapons either the reaction caused by nuclear fission or any such reaction using radioactive materials.

Important Remarks:

The insured shall observe the following upon arrival of insured cargo at destination port:
1- Notify in writing the control section with a manifest showing the insured cargo.

2- File a report with the concerned authority evidencing cargo condition before channeled to customs, if any evident damage, otherwise it would be deemed intact.

3- If any damage entails claim, the insurer shall submit a dated letter to :

4- (A) Al- Ahram Insurance Company (Egypt).
(B) Lloyds Agents (Abroad).

Provisions for Navigation Unfitness & Incompatibility –(Exception):

5.1 This policy, any way, shall not cover loss, damage and expenses arising from:

• Unfitness of ship or boat for navigation.
• Unfitness of the ship, boat, container or pallet for handling insured items.

5.2 It is agreed, between insurer and insured, that the cargo ship is fit for navigation.

In case of loss or damage of insured items, the insured is entitled for claim.

Warfare Exceptions:

6 This policy does not cover, what so ever, loss, damage and expenses arising from the following:
6.1 War, civil war revolution, disobedience, rebellion and civil disputes, thereof or such adverse actions.
6.2 Seizure, custody, arrest and hindrance and ensuing consequences thereof (except piracy).
6.3 Mines, bombs and other explosive weapons.

Strike’s Exceptions:

7. This insurance does not cover in any way loss, damage or expenses arising from:

7.1 Striker workers, mutiny, rioting acts or civil disturbances.
7.2 Strikes, mutiny, riots or civil disturbance.
7.3 Terrorist acts or politically- motivated persons.



Duration of Insurance:

8. Transport Provision:

8.2 This insurance is effected from the time of removing the cargo from stores, storing places stated in the policy enroute to destination. This period expired either:

8.1.1 Delivery of goods to consignee’s stores or other terminal or place in destination, stated in the policy.

8.1.2 Delivery to any stores enroute to destination or to its final destination stated in the policy as may be required by the insured

8.1.2.1 For storage except happenings during normal route.

8.1.2.2 For goods distribution or appropriation or

8.1.3 Elapsing of 30 das after completion of unloading of insured cargo in the destination port which is prior in occurrence.

8.2 In event of consigning cargo after unloading in destination port, with the insurance remained valid, to other destination infringe that in the policy, then, the insurance would cease to become valid on the onset of consigning to that other destination.

8.3 This insurance remains valid (subject to rules “9” herein below). During uncontrollable delays of insured, deviation, emergency unloading and reloading, transshipment. Like wise any change in voyage route due to licensing causes pertaining to ships owner or agent under transport contact.

Transport Contract Expiry Provisions:

9. For reason beyond the insured, if the transport contract expired at a place other than the destination stated in the policy, or before delivering the cargo according to provision (8) herein before, therefore the validity of insurance will expire, unless the insurer in notified to continue the average against required additional premium. Either:

9.1 Cargo delivered and sold at that port or place, otherwise elapsing of 30 days after arrival of insured cargo to that place, which in come first or:

9.2 Cargo consigned in the course of the 30 days (or any extension agreed upon) to stated destination, to any other destination, validated till expiry of the policy according to provision (8) herein before.

Route changes provision:

10. In case, the insured change the destination after the inception of the insurance, he shall notify the insurer to agree upon additional premium, in order to validate the policy.

Claims
Insurance Benefits Provision:

11.11.2 Insured shall have benefits in the event of loss / damage, in order be indemnified under this insurance policy.

11.2 The insured has the right to be indemnified against loss / damage in course of the policy irrespective of the damage / loss occurrence before concluding the insurance policy, unless, the insured is aware of that loss / damage and the insurer is not.

Consignment Charge Provision:

12. Due to any covered risk under this policy, the voyage ended up in destination other than the stated in this policy, therefore, the insured shall be reasonable indemnified for extra charges incurred in unloading, storage and consigning the cargo to stated destination in the policy.

This provision is unapplicable to general average expenses or rescue, subject to exceptions in (4), (5), (6), (7) herein above, and does not include expenses arising from faults, default insolvency or financial difficulties of insured or his agents.

Total Loss Estimation:

13. It is not allowed for, unless insured cargo is reasonably abandoned, either for in evitable virtual total loss or the cost of recovering, altering or reconsigning it to required destination, exceeds its value.

Value Increase Provision:

14.14.1 when additional insurance strike, it would automatically add to the value of insured cargo in the policy plus other insurance. Liability is accordingly accounted by ratio of this added value to total insurance value, Hence the insured is required to evidence that at his claim.

14.2 Subject to (14.1) the value of agreed upon cargo under the original policy plus other insurances covering the loss, which the insured had striked, so liability counted proportionately.

Insurance Benefits:

15. Benefits from this insurance shall not return to the carrier or other carrier’s agent.

Loss Reduction:
Insured Obligation:

16. Obligations of insured and his agents regarding loss reimbursement as follows:

16.1 Taking reasonable precautions to lessen or hinder the loss.

16.2 raking measures towards the right of concerned carries, agents and other parties, and insurers shall indemnify the insured for any reasonable expenses incurred towards hose purposes, plus loss reimbursement under this policy.

Relinquishment:

17. Measures taken by the insured in order to rescue, recover or maintain the insured cargo, are not deeded relinquishment or abandonment and do not affect the rights of either parties.

Avoiding Delay:
Determination:

18. The insured shall take initiative to reasonable show earnest determination at all times.

Law and Convention:

19. This insurance is subjected to Egyptian Laws and conventions

Important:
The insured shall immediately notify the insurer about any incidence under this insurance coverage and his right in the coverage depends on enforcing this obligation.

Special Provisions:

• The insured assign his all right before others or beneficiary of general average which arise from insured risk.

• The carrier ship should not have arrived, or general average is in place or exposed to accident before date of insurance acceptance.

• It should be made known and agreed upon, regardless of ship classification, that the company is unliable for all loss / damage when consigning on ships of more than 30 days old.

• The insured shall notify the company about goods storage condition for a period exceeding 30 days after completion date of unloading, otherwise he will loss his indemnification right.

Contractors’ all risks

Whereas the Insured named in the Schedule hereto has made to the
(hereinafter called the “Insurers”) a written proposal by completing a questionnaire which together with any other statements made in writing by the Insured for the purpose of this Policy is deemed to be incorporated herein,
Now this Policy of insurance witnesses that subject to the Insured having paid to the Insurers the premium mentioned in the Schedule and subject to the terms, exclusions, provisions and conditions contained herein or endorsed hereon the Insurers will indemnify the Insured in the manner and to the extent hereinafter provided.
General exclusions
The Insurers will not indemnify the Insured in respect of loss, damage or liability directly or indirectly caused by or arising out of or aggravated by
a) war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, riot, strike, lockout, civil commotion, military or usurped power, a group of malicious persons or persons acting on behalf of or in connection with any political organization, conspiracy, confiscation, commandeering, requisition or destruction or damage by order of any government de jure or de facto or by any public authority;
b) nuclear reaction, nuclear radiation or radioactive contamination;
c) wilful act or wilful negligence of the Insured or of his representatives;
d) cessation of work whether total or partial.
In any action, suit or other proceeding where the Insurers allege that by reason of the provisions of Exclusion a) above any loss, destruction, damage or liability is not covered by this insurance the burden of proving that such loss, destruction, damage or liability is covered shall be upon the Insured.
Period of Cover
The liability of the Insurers shall commence, notwithstanding any date to the contrary specified in the Schedule, directly upon commencement of work or after the unloading of the items entered in the Schedule at the site. The Insurers’ liability expires for parts of the insured contract works taken over or put into service.
At the latest the insurance shall expire on the date specified in the Schedule. Any extensions of the period of insurance are subject to the prior written consent of the Insurers.
General conditions
1- The due observance and fulfilment of the terms of this Policy in so far as they relate to anything to be done or complied with by the Insured and the truth of the statements and answers in the questionnaire and proposal made by the Insured shall be a condition precedent to any liability of the Insurers.
2-The Schedule and the Section(s) shall be deemed to be incorporated in and form part of this Policy and the expression “this Policy” wherever used in this contract shall be read as including the Schedule and the Section(s). Any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule or of the Section(s) shall bear such meaning wherever it may appear.
3-The Insured shall at his own expense take all reasonable precautions and comply with all reasonable recommendations of the Insurers to prevent loss, damage or liability and comply with statutory requirements and manufacturers’ recommendations.
4-a) Representatives of the Insurers shall at any reasonable time have the right to inspect and examine the
risk and the Insured shall provide the representatives of the Insurers with all details and information necessary for the assessment of the risk.
b) The Insured shall immediately notify the Insurers by telegram and in writing of any material change in the risk and cause at his own expense such additional precautions to be taken as circumstances may require, and the scope of cover and/or premium shall, if necessary, be adjusted accordingly.
No material alteration shall be made or admitted by the Insured whereby the risk is increased, unless the continuance of the insurance is confirmed in writing by the Insurers.
5-In the event of any occurrence which might give rise to a claim under this Policy, the Insured shall
a) immediately notify the Insurers by telephone or telegram as well as in writing, giving an indication as to the nature and extent of loss or damage;
b) take all steps within his power to minimize the extent of the loss or damage;
c) preserve the parts affected and make them available for inspection by a representative or surveyor of the Insurers;
d) furnish all such information and documentary evidence as the Insurers may require;
e) inform the police authorities in case of loss or damage due to theft or burglary.
The Insurers shall not in any case be liable for loss, damage or liability of which no notice has been received by the Insurers within 14 days of its occurrence.
Upon notification being given to the Insurers under this condition, the Insured may carry out the repairs or replacement of any minor damage; in all other cases a representative of the Insurers shall have the opportunity of inspecting the loss or damage before any repairs or alterations are effected. If a representative of the Insurers does not carry out the inspection within a period of time which could be considered adequate under the circumstances, the Insured is entitled to proceed with the repairs or replacement.
The liability of the Insurers under this Policy in respect of any item sustaining damage shall cease if said item is not repaired properly without delay.
6-The Insured shall at the expense of the Insurers do and concur in doing and permit to be done all such acts and things as may be necessary or required by the Insurers in the interest of any rights or remedies, or of obtaining relief or indemnity from parties (other than those insured under this Policy) to which the Insurers are or would become entitled or which is or would be subrogated to them upon their paying for or making good any loss or damage under this Policy, whether such acts and things are or become necessary or required before or after the Insured’s indemnification by the Insurers.
7 If any difference arises as to the amount to be paid under this Policy (liability being otherwise admitted), such difference shall be referred to the decision of an arbitrator to be appointed in writing by the parties in difference or, if they cannot agree upon a single arbitrator, to the decision of two arbitrators, one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of the parties, or, in case the arbitrators do not agree, of an umpire to be appointed in writing by the arbitrators before the latter enter upon the reference. The umpire shall sit with the arbitrators and preside at their meetings. The making of an award shall be a condition precedent to any right of action against the Insurers.
8-If a claim is in any respect fraudulent, or if any false declaration is made or used in support thereof, or if any fraudulent means or devices are used by the Insured or anyone acting on his behalf to obtain any benefit under this Policy, or if a claim is made and rejected and no action or suit is commenced within three months after such rejection or, in the case of arbitration taking place as provided herein, within three months after the arbitrator or arbitrators or umpire have made their award, all benefit under this Policy shall be forfeited.
9 If at the time any claim arises under the Policy there is any other insurance covering the same loss, damage or liability, the Insurers shall not be liable to pay or contribute more than their ratable proportion of any claim for such loss, damage or liability.
Section 1 – Material damage
The Insurers hereby agree with the Insured that if at any time during the period of cover the items or any part thereof entered in the Schedule shall suffer any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded, in a manner necessitating repair or replacement, the Insurers will indemnify the Insured in respect of such loss or damage as hereinafter provided by payment in cash, replacement or repair (at their own option) up to an amount not exceeding in respect of each of the items specified in the Schedule the sum set opposite thereto and not exceeding in any one event the limit of indemnity where applicable and not exceeding in all the total sum expressed in the Schedule as insured hereby.
The Insurers will also reimburse the Insured for the cost of clearance of debris following upon any event giving rise to a claim under this Policy provided a separate sum therefor has been entered in the Schedule.
Special exclusions to Section 1
The Insurers shall not, however, be liable for
a) the deductible stated in the Schedule to be borne by the Insured in any one occurrence;
b) consequential loss of any kind or description whatsoever including penalties, losses due to delay, lack of performance, loss of contract;
c) loss or damage due to faulty design;
d) the cost of replacement, repair or rectification of defective material and/or workmanship, but this exclusion shall be limited to the items immediately affected and shall not be deemed to exclude loss of or damage to correctly executed items resulting from an accident due to such defective material and/or workmanship;
e) wear and tear, corrosion, oxidation, deterioration due to lack of use and normal atmospheric conditions;
f) loss or damage to construction plant, equipment and construction machinery due to electrical or mechanical breakdown, failure, breakage or derangement, freezing of coolant or other fluid, defective lubrication or lack of oil or coolant, but if as a consequence of such breakdown or derangement an accident occurs causing external damage, such consequential damage shall be indemnifiable;
g) loss of or damage to vehicles licensed for general road use or waterborne vessels or aircraft;
h) loss of or damage to files, drawings, accounts, bills, currency, stamps, deeds, evidences of debt, notes, securities, cheques;
i) loss or damage discovered only at the time of taking an inventory.
Provisions applying to Section 1
Memo 1 – Sums insured
It is a requirement of this insurance that the sums insured stated in the Schedule shall not be less than
for item 1: the full value of the contract works at the completion of the construction, inclusive of all materials, wages, freight, customs duties, dues, and materials or items supplied by the Principal;
for items 2 and 3: the replacement value of construction plant, equipment and machinery; which shall mean the cost of replacement of the insured items by new items of the same kind and capacity;
and the Insured undertakes to increase or decrease the amounts of insurance in the event of any material fluctuation in wages or prices provided always that such increase or decrease shall take effect only after the same has been recorded in the Policy by the Insurers.
If, in the event of loss or damage, it is found that the sums insured are less than the amounts required to be insured, then the amount recoverable by the Insured under this Policy shall be reduced in such proportion as the sums insured bear to the amounts required to be insured. Every object and cost item is subject to this condition separately.
Memo 2 – Basis of loss settlement
In the event of any loss or damage the basis of any settlement under this Policy shall be
a) in the case of damage which can be repaired – the cost of repairs necessary to restore the items to their condition immediately before the occurrence of the damage less salvage, or
b) in the case of a total loss – the actual value of the items immediately before the occurrence of the loss less salvage,
however, only to the extent the costs claimed had to be borne by the Insured and to the extent they are included in the sums insured and provided always that the provisions and conditions have been complied with.
The Insurers will make payments only after being satisfied by production of the necessary bills and documents that the repairs have been effected or replacement has taken place, as the case may be. All damage which can be repaired shall be repaired, but if the cost of repairing any damage equals or exceeds the value of the items immediately before the occurrence of the damage, the settlement shall be made on the basis provided for in b) above.
The cost of any provisional repairs will be borne by the Insurers if such repairs constitute part of the final repairs and do not increase the total repair expenses.

The cost of any alterations, additions and/or improvements shall not be recoverable under this Policy.
Memo 3 – Extension of cover
Extra charges for overtime, nightwork, work on public holidays, express freight are covered by this insurance only if previously and specially agreed upon in writing.

Section 2 – Third party liability

The Insurers will indemnify the Insured up to but not exceeding the amounts specified in the Schedule against such sums which the Insured shall become legally liable to pay as damages consequent upon
a) accidental bodily injury to or illness of third parties (whether fatal or not),
b) accidental loss of or damage to property belonging to third parties
occurring in direct connection with the construction or erection of the items insured under Section 1 and happening on or in the immediate vicinity of the site during the period of cover.
In respect of a claim for compensation to which the indemnity provided herein applies, the Insurers will in addition indemnify the Insured against
a) all costs and expenses of litigation recovered by any claimant from the Insured, and
b) all costs and expenses incurred with the written consent of the Insurers,
provided always that the liability of the Insurers under this Section shall not exceed the limits of indemnity stated in the Schedule.

Special exclusions to Section 2
The Insurers will not indemnify the Insured in respect of
1 the deductible stated in the Schedule to be borne by the Insured in any one occurrence;
2 the expenditure incurred in doing or redoing or making good or repairing or replacing anything covered or coverable under Section 1 of this Policy;
3 damage to any property or land or building caused by vibration or by the removal or weakening of support or injury or damage to any person or property occasioned by or resulting from any such damage (unless especially agreed upon by endorsement);
4 liability consequent upon
a) bodily injury to or illness of employees or workmen of the Contractor(s) or the Principal(s) or any other firm connected with the project which or part of which is insured under Section 1, or members of their families;
b) loss of or damage to property belonging to or held in care, custody or control of the Contractor(s), the Principal(s) or any other firm connected with the project which or part of which is insured under Section 1, or an employee or workman of one of the aforesaid;
c) any accident caused by vehicles licensed for general road use or by waterborne vessels or aircraft;
d) any agreement by the Insured to pay any sum by way of indemnity or otherwise unless such liability would have attached also in the absence of such agreement.
Special conditions applying to Section 2
1 No admission, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured without the written consent of the Insurers who shall be entitled, if they so desire, to take over and conduct in the name of the Insured the defense or settlement of any claim or to prosecute for their own benefit in the name of the Insured any claim for indemnity or damages or otherwise and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Insurers may require.
2 The Insurers may so far as any accident is concerned pay to the Insured the limit of indemnity for any one accident (but deducting there from in such case any sum or sums already paid as compensation in respect thereof) or any lesser sum for which the claim or claims arising from such accident can be settled and the Insurers shall thereafter be under no further liability in respect of such accident under this Section.

Section 3 – Principal’s advance loss of profits

Definitions
The Insurers shall indemnify the Insured – named as Principal in the Schedule to Section 1 of this Policy – in respect of loss of gross profit actually sustained due to the reduction in turnover and the increased cost of working as defined in this Section, if at any time during the period of insurance stated in the Schedule to this Section the insured contract works or any part thereof suffer loss or damage covered under Section 1 of this Policy, unless specifically excluded in this Section, thereby causing an interference in the construction work resulting in a delay of commencement of and/or interference with the insured business, hereinafter referred to as “the delay”.
The amount payable as indemnity hereunder shall be:
– in respect of loss of gross profit: the sum obtained by applying the rate of gross profit to the amount by which the actual turnover during the indemnity period falls short of the turnover which would have been achieved had the delay not occurred;
– in respect of increased cost of working: the additional expenditure necessarily and reasonably incurred for the sole purpose of avoiding or diminishing the reduction in turnover which, without such expenditure, would have taken place during the indemnity period, but not exceeding the sum obtained by applying the rate of gross profit to the amount of the reduction in turnover thereby avoided.

If the annual sum insured hereunder is less than the sum obtained by applying the rate of gross profit to the annual turnover, the amount payable shall be reduced proportionately.
Period of insurance
The period of insurance shall be the period stated in the Schedule to this Section, terminating on the date specified in the Schedule or on any earlier date when the CAR material damage cover of Section 1 ceases.
Scheduled date of commencement of the insured business
The date stated in the Schedule to this Section or any revised date upon which the business would have commenced had the delay not occurred.
Indemnity period
The period during which the results of the business are affected in consequence of the delay, beginning on the scheduled date of commencement of the insured business and not exceeding the maximum indemnity period stated in the Schedule to this Section.

Time excess
The period stated in the Schedule to this Section for which the Insurers are not liable. The corresponding amount shall be calculated by multiplying the average daily value of loss sustained during the indemnity period by the number of days

Special exclusions to Section 3
agreed upon as time excess.
Turnover
The amount of money (less discounts allowed) paid or payable to the Insured for accommodation rented or other services rendered in the course of the insured business conducted at the premises.
Annual turnover
The turnover which, had the delay not occurred, would have been achieved during the 12 months after the scheduled date of commencement of the insured business.
Annual gross profit
The amount by which the value of the annual turnover exceeds the amount of the specified working expenses.
Specified working expenses shall be any variable costs, e.g. costs incurred for the acquisition of goods, materials as well as for supplies and services (unless required for the upkeep of operations) and any expenditure for turnover tax, purchase tax, license fees and royalties, etc., insofar as such costs are dependent on turnover.

Rate of gross profit
The rate which, had the delay not occurred, would have been earned on the turnover during the indemnity period.
The Insurers shall not be liable for
1. loss of gross profit and/or increased cost of working due to any delay caused by or resulting from
1.1. loss or damage covered under Section 1 by way of endorsement, unless it has been specifically agreed in writing;
1.2. earthquake, volcanic eruption, tsunami, unless it has been specifically agreed in writing;
1.3. loss of or damage to surrounding property, construction machinery, plant and equipment;
1.4. loss of or damage to operating media or feedstock, shortage, destruction, deterioration of or damage to any materials necessary for the insured business;
1.5. any restrictions imposed by a public authority;
1.6. non-availability of funds;

1.7. alterations, additions, improvements, rectification of defects or faults or elimination of any deficiencies carried out after the occurrence;

Provisions applying to Section 3
1 loss of or damage to items taken over or taken into use by the Insured or for which cover under Section 1 to this Policy has ceased;
2 any loss due to fines or damages for breach of contract, for late or non-completion of orders, or for any penalties of whatever nature;
3 loss of business due to causes such as suspension, lapse or cancellation of a lease, licence or order, etc. which occurs after the date of actual commencement of the business;
4 loss of or damage to construction work of a prototype nature, unless specifically agreed by endorsement.

Memo 1 – Extension of period
Any extension of the period of insurance under Section 1 of this Policy shall not automatically lead to an extension of the period of insurance stated in the Schedule to this Section.
Any extension of the period of insurance under this Section of the Policy shall be requested in writing as early as possible by the Insured, stating the circumstances leading to the need for extension, and shall have effect for this Section only if specifically agreed upon in writing.
Any alteration of the scheduled date of commencement of the insured business shall be reported and shall have effect for this Section only if specifically agreed upon in writing.
Memo 2 – Basis of loss settlement
In calculating the rate of gross profit and annual turnover, the following points shall in particular be taken into consideration:
a) the results of the insured business for the 12-month period after commencement,
b) variations and special circumstances which would have affected the insured business had the delay not occurred,
c) variations and special circumstances affecting the insured business after commencement,
so that the final figures represent as closely as may be reasonably practicable the results which the insured business would have obtained after the scheduled date of commencement had the delay not occurred.

Special conditions applying to Section 3 Memo 3 – Return of premium
If the Insured declares (certified by the Insured’s auditors) that the gross profit earned during the accounting period of twelve months following the commence-ment of the insured business or the date on which but for the delay the business would have commenced was less than the sum insured thereon, a pro rata return of premium not exceeding one third of the premium paid shall be made in respect of the difference.
If any loss or damage has occurred giving rise to a claim under this Policy, such return shall be made in respect only of so much of said difference as is not due to such damage.
1 The Insured shall present the Insurers with updated progress reports at intervals stated in the Schedule to this Section.
2 In the event of any material change in the original risk such as
– changes of the envisaged progress programme
– alteration, modification or addition to any item of work
– departure from prescribed construction methods
– changes in the Insured’s interest (such as discontinuation or liquidation of the business or its being placed in receivership)

taking place, the Policy shall be void unless its continuance be agreed by memorandum signed by the Insurers.
3. In the event of any occurrence which might cause a delay and give rise to a claim under this Section:
a) the Insured shall immediately notify the Insurers by telephone or telegram and send them written confirmation thereof within forty-eight hours of the occurrence;
b) the Insured shall do and concur in doing and permit to be done all such things as may be reasonably practicable to minimize or establish the extent of any interference with the construction work so as to avoid or diminish any delay resulting there from;
c) the Insurers and every person authorized by the Insurers shall, without prejudice to any party insured by this Policy, have access to the construction site where such loss or damage has occurred for the purpose of direct negotiation with the responsible contractor or subcontractor in order to establish the possible cause and extent of the loss or damage, its effect on the insured interest, to examine the possibilities for minimizing any delay in the scheduled commencement of the insured business, and if necessary to make any reasonable recommendations for the avoidance or minimization of such delay.
This condition shall be evidence of the leave and license of the Insured to the Insurers so to do. If the Insured or anyone acting on his behalf hinders or obstructs the Insurers during any of the above-mentioned acts or does not comply with such recommendations of the Insurers, all benefits under this Section shall be forfeited.

1 In the event of a claim made under this Section, the Insured shall at his own expense deliver to the Insurers not later than thirty days after the delay or within such further period as the Insurers may allow in writing a written statement setting forth particulars of his claim. Furthermore, the Insured shall at his own expense produce and furnish to the Insurers such books of account and other business books, e.g. invoices, balance sheets and other documents, proofs, information, explanations or other evidence as may reasonably be required by the Insurers for the purpose of investigating or verifying the claim together with – if required – a statutory declaration of the truth of the claim and of any matters connected therewith.
2 The indemnity shall be payable one month after final determination of its amount. Notwithstanding the above the Insured may, one month after the Insurers have been duly notified of the loss and have acknowledged their liability, claim as advance payment(s) the minimum amount(s) payable under the prevailing circumstances.
The Insurers shall be entitled to postpone payment
a) if there are doubts as to the Insured’s right to receive payment, until the necessary proof is furnished;
b) if, as a result of any loss or damage or any delay in the anticipated commencement of the insured business, police or criminal investigations have been initiated against the Insured, until the completion of such investigations.
The Insurers shall not be liable to pay interest on indemnity moneys withheld other than interest for default.

Schedule

Branch Policy No. Currency Declaration No.



Incorporated in this The following endorse-Policy is Questionnaire ments are attached to and Proposal No. and form part of this Policy:


Name and address of Insured

Name
Street Postal code and city
First premium
Total premium (inclusive of extra premiums for the above-mentioned en¬dorsements)
Address of risk
Street
Postal code and city
Title of contract

Policy inception date Policy expiry date Today’s date New/altered Country of risk City, town, village of risk



Section 1 – Material damage
Insured item Sum insured Deductible
1. Contract works (permanent and temporary works, including all materials to be incorporated herein) 1.1. Contract price 1.2. Materials or items supplied by the Principal(s) 2. Construction plant and equipment 3. Construction machinery according to attached list 4. Clearance of debris
Total sum insured under Section 1

Space for EDP field identifier.
Risk Limit of indemnity1 Deductible
Earthquake, volcanism, tsunami Storm, cyclone, flood, inundation, landslide

Section 2 – Third party liability
Insured item Limit of indemnity2 Deductible
1. Bodily Injury 1.1. any one person 1.2. total 2. Property Damage

Section 3 – Principal’s loss of profits
Insured interest Annual sum insured Sum insured for maximum indemnity period
Gross profit and increased cost of working

Period of insurance from to³ Maximum indemnity period from4 Time excess Progress report interval

months
1 Limit of indemnity in respect of each and every loss or damage and/or series of losses arising out of any one event.
2 Limit of indemnity in respect of any one accident or series of accidents arising out of one event.³ Scheduled date of completion.4 Scheduled date of commencement of insured business, but not earlier than the scheduled date of completion.

Space for EDP field identifier.
Space for EDP field identifier.

Contract works insured under section 3
Item No. Description of items Possible loss minimization

In witness whereof the undersigned being duly authorized by the Insurers and on behalf of the Insurers has (have) hereunto set his (their) hand(s)
Executed at Date Signature

Insurance Policy For Commercial Car
Introduction:
Since civil responsibility arising from accidents to people legally insured through a another policy, therefore this policy does include responsibility towards obligatory insurance according to rules 652 for the year 55 and 66 for the year 73 and amendments for them.
Since the insured submit a letter and declaration which constitute the base of this contract and integral part of it and paid the required premium.
This policy is concluded to cover the accidents happen during the validity of this policy and according to provisions,, exceptions rules and addenda herein.
Chapter (1)
The company undertakes to indemnify the following:
1 - Loss / damage to insured car and its accessories in the following cases:
a. Collision of overturn due to surprise mechanical failure.
b. Fire, thunderbolt, external explosion or spontaneous ignition.
c. During land transport, railway transport, internal river transport or special lifts during stevedoring.
2 - Auto burglary and the Ft and loss / damage arising from it:
a. The company has the right to indemnify in cash or repair or substitute the car or any part of it ore accessories and spare parts. The liability of thee company shall not exceed the value of the damaged parts or its repair and installation, after deducting depreciation value which is the difference between the price of the new part and the substitute before the accident, with handing over the damaged parts or deduct its value from the indemnity, regarding the relativity provision that the evaluation of the car price in the table herein and the market price which one is less. In case the car deemed totally perished, the insured hand over the scrap car free of custom and any traffic violation, also to assign the car to the company, so as the company to deduct the lost parts from the final indemnity.
In case of the Ft the insured shall hand over all documents pertaining to the car without the car or the scrap, unless it is found.
b. If the car became unfit for use due to insured loss / damage, therefore the company bears the required expenses to maintain, dray and repair it in the nearest workshop,
c. The insured had the right to undertake the repairs for the insured car, providing that:
1- The evaluated value for repairs not exceeds the maximum prescribed value-according provision of responsibility limitation.
2 - To submit a detailed statement of expanses to the company.
Chapter (1) Exception
The company is not liable for:
• Decrease of car value due to usage, breakdown of defect in mechanical and electrical parts.
• Indirect loss to insured for not using the car during the period of repair.
• Tyres defects during regular usage.
• Defects due to overload or over pressure.
• Damage due to loading explosive and inflammable materials and gas cylinders without the company knowledge.
• Coverage stipulating payment of premium.
• Damage to the care due to:
1. Explosion of loading tank during welding, unless it is evidenced that it is dried before welding.
2. During loading and unloading providing that the load is the cause.
Chapter (2)
Civil Responsibility
1 - In case of an accident arising from car usage, loading and unloading, the company undertakes to indemnify the insured according to responsibility limitation provision for all legal expenses such as legal fees as compensation for:
• Death or injury of a person.
• Damage to items.
2 - Insurance coverage in this chapter according to its provisions, obligations and rules, extend to responsibility of any licensed driver in duty providing that:
a. Compliance of the deriver with policy as if he were the insured himself.
b. The driver shall not be entitled to indemnification under other policy.
3 - In case of death of any person covered by responsibility in this chapter, the company undertakes to pay compensation to his family according to provision of this chapter providing that the successors comply and abide by the policy as if they were the insured himself.
4 - The company undertakes to pay all expenses and fees which it approved in writing.
5 - In case of accident entails to pay compensations for more than one person, therefore responsibility limitation provision applies to all beneficiary persons, providing that the priority given to he insured.
6 - If the company wishing, it is allowed to:
1. Undertake representing the insured in any inquiry or investigation in accidents according to this chapter.
2. Undertake defending him before courts in accidents according to this chapter.
Chapter (2) Exceptions
1 - Death, injury or loss due to accidents off roads to bring loads for loading or transport of loads after unloading.
2 - Death or injury for any person works for the insured during or due to work.
3 - Death or injury to any passenger in the insured car or embarking or disembarking the car.
4 - Loss / damage to owned or deposited or entrusted into possession or under supervision of the insured or resident family members or transported by the insured car.
5 - Loss / damage caused to any bridge, pass way, or road and beneath them due vibrations caused by insured car or under its gravity or the load gravity.
6 - Death, physical injury or damage due to car tank explosion or attached or fixes to it during welding.
Chapter (2) – Special Exceptions
The company is not liable for any accident or claim under the two rules – 66 for the year 73 and 652 for the year 1955, even if the insurance is not concluded under these laws or not valid at the time of the accident.
General Exceptions
1 - Not covered by the insurance at all cases:
Burglary or responsibility arising form:
• Outside the geographical boundaries stated in the policy unless there is are addendum against an additional premium.
• Using the car for race, gauging speed, checking the power or hauling an unfit or licensed trailer.
• Driving by unlicensed driver.
• Driving by the insured or licensed driver under effect of alcohol or drug.
2 - This insurance does not cover loss / damage, theft, burglary and civil responsibility arising from the following factors directly or indirectly:
• Floods, storm, hurricane, volcanoes, and other natural crisis.
• War, invasion, foreign aggression and acts (whether war declared or not).
• Civil war, rebellion, disobedience, revolution, riots, military actions and coup.
• Seizure of power or civil authority.
• Radiations, explosives, nuclear and atomic weapons.
• Strikes and riots, popular movements, terrorism and vandalism.
• Responsibilities arising from agreements between the insured and the others.
• Civil responsibilities for indirect damage to others.
Exceptions not covered unless by:
(Additional Addendum)
This policy does not cover loss / damage, theft, burglary or any responsibility under this policy raised or happened due to:
• Outside geographical boundaries stated herein unless an addendum is issued against an additional premium.
• Personal accidents happen to passengers or workers of the insured car unless it is agreed upon according to special addendum and an additional premium.
• Strikes, riots, popular disturbances or terrorism and vandalism from that unless it is agree upon according to special addendum and an additional premium.
• Earthquakes and land slides unless it is agreed upon according to special addendum and an additional premium.
General Provisions
1 - In case of an incident covered by this policy, the insured shall report the company immediately within 72 hours and submit all statements, claims, judicial documents, like wise inform the company by raised legal suits and probes. Like wise in case of theft or other criminal felony to report policy immediately and cooperate with company to prosecute the perpetrator. Due to indemnity paid the company supersedes the insured toward the perpetuator.
2 - The insured shall always maintain and take all reasonable precautions to protect the car against loss, damage and theft and the company is allowed to inspect the car at any time.
3 - Upon any breakdown, the insured shall not leave the car unattended and take precautions to himself more loss and damage, and if the car started before the company would not be responsible for further damage according to this policy.
4 - The insured is not permissible to offer responsibility declarations or promise or waiver or offer of any kind without the company approval.
5 - During the policy validity, the insured shall remain the sole owner of the car, and does not enter into rental contract with others, and other such agreements binding his ownership without written approval from the company.
6 - The company has the right to revoke this policy after (7) days of a recommended letter to the insured latest address. In this case the company refund the paid premium to the remaining valid period. Likewise the insured could request revocation of the policy, and the company refund him the premium for the valid period according to short term insurance policy providing that no raised claims during the validity period of the policy.
7 - If there were many insurance, the company would not pay to loss / damage except the ratio between its insurance value and the total insurance values collectively.
8 - Essential provision for the company to pony any due sums for the insured, is his fully abidance by this policy in undertaking all the requirements and the credibility of all data and declaration stated in his application form, otherwise he will looses his rights in insurance. It is understood that insurance validity depends on paying the premiums, and the policy deemed revoked in case of not paying the premium or part of it without excuse or court ruling according to article 158 civil low.
No Claim Discount
In case of no claims raised according to this policy, during the insurance term stated herein after, and before renewal of the policy directly, then, the required premium to be renewed, reduced as follows:
Insurance Term Discount %
Previous year 15%
Previous two consecutive years 20%
Previous three consecutive years 25%
Previous four consecutive years 30%
If the company approved of transferring the insurance to another person, he would not benefit from the previous terms, and if table comprises more than one car, therefore the discount is separately effective for each car and there should not be mixing between this and the collective insurances.
Arbitration Provisions:
It is agreed that, if the two parties disputed over evaluation of loss / damage under this policy, therefore, the dispute should be referred to arbitrators, each party appoint one of them. Those two arbitrators select another third arbitrator for out balancing. If any party does not appoint an arbitrator within one month, upon a writhen request from the other party, then the second party has the right to ask the judge to do so. If the two parties failed to appoint a third arbitrator, then the judge would undertake that task upon a request from one party.
Death of the parties or one of them during arbitration, does not entail amendment in arbitration. Death or any impediment to one of the arbitrators, then a substitute should be appointed either by the arbitrators or by the one who in the first place appointed him. If one party opposed to this measure, then the judge would appoint the substitute upon request from one of the parties. The arbitrators ore not bound by any certain measures and each party pay the expenses of his appointee and the third is paid equally by the company and the insured.
It is agreed upon, that the insured shall not file a lawsuit against the company for loss / damage, under this policy, unless the arbitrators completely establishing and evaluating that loss / damage as herein above, or elapse of six months after the appointment of arbitrators without settling the disputes.
Table:
Insurance Policy No.
Name of broker
Pound Piaster
Net premium
50% Relative tax stamp fees
50% stamp fee in large
Supervision fees
Policy insurance fees
Insured Name:
Address
Occupation
From noon A
To noon B
Additional term against required
Additional premium
Total
Particulars of insured cars
Plate Number Model and place of manufacture Year of manufacture Chassis Type Chassis Number Engine Number Cylinder Capacity Number of passengers Insured evaluation
1. Car price
2. Additions (Insurance Value)
• Bearing: 100 Egyptian pound per accident (Obligatory).
• The policy deed revoked if the insured not paying the premium, and the premium deemed unpaid through a chaque unless it is collected.
• Repair of cars would not take place in agents or service centers except for cars under 5 years, but for cars over 5 years to be repaired in workshops providing that it is registered at sales tax division.
Dated in: ………………………..
Royal & Sun alliance Insurance Co.
Relativity Provisions:
It is known and agreed upon that insurance takes place on car market value, if it happened at the time of insured car accident that value exceeds the insurance value, therefore indemnity paid would decrease by ratio of insurance value to market price at the time of the accident.
Also, it is known that evaluation of insured to the car value is not deemed on acceptance from the company. In case of total damage, the value paid by the company should exceeds the insured evaluation as above or the car market value on the date of loss, damage which of them is less.
First chapter (1):
Responsibility limitation:
Expenses of maintain drag and transport of the car by the insured in the limits of (50) Egyptian Pound (provision 3).
• Maximum repair cost without referring to the company (50) Egyptian Pound (provision14).
• Maximum repair of windscreen and rear window glasses according to the following percentag:
1. 5% the insurance value for windscreen.
2. 3% of the insurance value for rear window.
Second: chapter (2) :
Civil Responsibility:
Maximum value for company liability for any claim or many claims for one accident 10000 Egyptian Pound and it could be insured against additional premium.
Third: Geographical Boundaries:
Arabian Republic of Egypt
Fourth: Driver’s Requirements:
Shall have valid driving license to drive the car, during the validity of the policy according to traffic laws and regulations.
Royal & Sun alliance Insurance Co.

Insurance Policy For Private Car
Introduction:
Since civil responsibility arising from accidents to people legally insured through a another policy, therefore this policy does include responsibility towards obligatory insurance according to rules 652 for the year 55 and 66 for the year 73 and amendments for them.
Since the insured submit a letter and declaration which constitute the base of this contract and integral part of it and paid the required premium.
This policy is concluded to cover the accidents happen during the validity of this policy andaccording to provisions,, exceptions rules and addenda herein.
Chapter (1)
The company undertakes to indemnify the following:
1 - Loss / damage to insured car and its accessories in the following cases:
a. Collision of overturn due to surprise mechanical failure.
b. Fire, thunderbolt, external explosion or spontaneous ignition.
c. During land transport, railway transport, internal river transport or special lifts during stevedoring.
2 - Auto burglary and the Ft and loss / damage arising from it:
a. The company has the right to indemnify in cash or repair or substitute the car or any part of it ore accessories and spare parts. The liability of thee company shall not exceed the value of the damaged parts or its repair and installation, after deducting depreciation value which is the difference between the price of the new part and the substitute before the accident, with handing over the damaged parts or deduct its value from the indemnity, regarding the relativity provision that the evaluation of the car price in the table herein and the market price which one is less. In case the car deemed totally perished, the insured hand over the scrap car free of custom and any traffic violation, also to assign the car to the company, so as the company to deduct the lost parts from the final indemnity.
In case of the Ft the insured shall hand over all documents pertaining to the car without the car or the scrap, unless it is found.
b. If the car became unfit for use due to insured loss / damage, therefore the company bears the required expenses to maintain, dray and repair it in the nearest workshop,
c. The insured had the right to undertake the repairs for the insured car, providing that:
1- The evaluated value for repairs not exceeds the maximum prescribed value-according provision of responsibility limitation.
2 - To submit a detailed statement of expanses to the company.
Chapter (1)
Exception
The company is not liable for:
• Decrease of car value due to usage, breakdown of defect in mechanical and electrical parts.
• Indirect loss to insured for not using the car during the period of repair.
• Tyres defects during regular usage.
Chapter (2)
Civil Responsibility
1 - In case of an accident arising from car usage, the company undertakes to indemnify the insured according to responsibility limitation provision for all legal expenses such as legal fees as compensation for:
• Death or injury of a person except those working with insured during the work time or his family members.
• Damage to items except owned by the insured or his servants or family members.
2 - Insurance coverage in this chapter according to its provisions, obligations and rules, extend to responsibility of any licensed driver in duty providing that:
a. Compliance of the deriver with policy as if he were the insured himself.
b. The driver shall not be entitled to indemnification under other policy.
3 - In case of death of any person covered by responsibility in this chapter, the company undertakes to pay compensation to his family according to provision of this chapter providing that the successors comply and abide by the policy as if they were the insured himself.
4 - The company undertakes to pay all expenses and fees which it approved in writing.
5 - In case of accident entails to pay compensations for more than one person, therefore responsibility limitation provision applies to all beneficiary persons, providing that the priority given to he insured.
6 - If the company wishing, it is allowed to:
1. Undertake representing the insured in any inquiry or investigation in accidents according to this chapter.
2. Undertake defending him before courts in accidents according to this chapter.
Chapter (2) Exceptions
The company is not liable for any accident or claim under the two rules – 66 for the year 73 and 652 for the year 1955, even if the insurance is not concluded under these laws or not valid at the time of the accident.
Chapter (3) treatment Expenses
The company undertakes according to responsibility determination provision to pay the reasonable expenses of medical treatment for the insured or his driver or any passenger in the insured car and those injuries resulted directly from the insured car due to violent, obvious, outside factors.
General Exceptions
1 - Not covered by the insurance at all cases:
Burglary or responsibility arising form:
• Outside the geographical boundaries stated in the policy unless there is are addendum against an additional premium.
• Using the car for race, gauging speed, checking the power or hauling an unfit or licensed trailer.
• Driving by unlicensed driver.
• Driving by the insured or licensed driver under effect of alcohol or drug.
2 - This insurance does not cover loss / damage, theft, burglary and civil responsibility arising from the following factors directly or indirectly:
• Floods, storm, hurricane, volcanoes, and other natural crisis.
• War, invasion, foreign aggression and acts (whether war declared or not).
• Civil war, rebellion, disobedience, revolution, riots, military actions and coup.
• Seizure of power or civil authority.
• Radiations, explosives, nuclear and atomic weapons.
• Strikes and riots, popular movements, terrorism and vandalism.
• Responsibilities arising from agreements between the insured and the others.
• Civil responsibilities for indirect damage to others.
General Provisions
1 - In case of an incident covered by this policy, the insured shall report the company immediately within 72 hours and submit all statements, claims, judicial documents, like wise inform the company by raised legal suits and probes. Like wise in case of theft or other criminal felony to report policy immediately and cooperate with company to prosecute the perpetrator. Due to indemnity paid the company supersedes the insured toward the perpetuator.
2 - The insured shall always maintain and take all reasonable precautions to protect the car against loss, damage and theft and the company is allowed to inspect the car at any time.
3 - Upon any breakdown, the insured shall not leave the car unattended and take precautions to himself more loss and damage, and if the car started before the company would not be responsible for further damage according to this policy.
4 - The insured is not permissible to offer responsibility declarations or promise or waiver or offer of any kind without the company approval.
5 - During the policy validity, the insured shall remain the sole owner of the car, and does not enter into rental contract with others, and other such agreements binding his ownership without written approval from the company.
6 - The company has the right to revoke this policy after (10) days of a recommended letter to the insured latest address. In this case the company refund the paid premium to the remaining valid period. Likewise the insured could request revocation of the policy, and the company refund him the premium for the valid period according to short term insurance policy providing that no raised claims during the validity period of the policy.
7 - If there were many insurance, the company would not pay to loss / damage except the ratio between its insurance value and the total insurance values collectively.
8 - Essential provision for the company to pony any due sums for the insured, is his fully abidance by this policy in undertaking all the requirements and the credibility of all data and declaration stated in his application form, otherwise he will looses his rights in insurance. It is understood that insurance validity depends on paying the premiums, and the policy deemed revoked in case of not paying the premium or part of it without excuse or court ruling according to article 158 civil low.
No Claim Discount
In case of no claims raised according to this policy, during the insurance term stated herein after, and before renewal of the policy directly, then, the required premium to be renewed, reduced as follows:
Insurance Term Discount %
Previous year 20%
Previous two consecutive years 30%
Previous three consecutive years 40%
Previous four consecutive years 50%
If the company approved of transferring the insurance to another person, he would not benefit from the previous terms, and if table comprises more than one car, therefore the discount is separately effective for each car and there should not be mixing between this and the collective insurances.
Arbitration Provisions:
It is agreed that, if the two parties disputed over evaluation of loss / damage under this policy, therefore, the dispute should be referred to arbitrators, each party appoint one of them. Those two arbitrators select another third arbitrator for out balancing. If any party does not appoint an arbitrator within one month, upon a writhen request from the other party, then the second party has the right to ask the judge to do so. If the two parties failed to appoint a third arbitrator, then the judge would undertake that task upon a request from one party.
Death of the parties or one of them during arbitration, does not entail amendment in arbitration. Death or any impediment to one of the arbitrators, then a substitute should be appointed either by the arbitrators or by the one who in the first place appointed him. If one party opposed to this measure, then the judge would appoint the substitute upon request from one of the parties. The arbitrators ore not bound by any certain measures and each party pay the expenses of his appointee and the third is paid equally by the company and the insured.
It is agreed upon, that the insured shall not file a lawsuit against the company for loss / damage, under this policy, unless the arbitrators completely establishing and evaluating that loss / damage as herein above, or elapse of six months after the appointment of arbitrators without settling the disputes.
Table:
Insurance Policy No.
Name of broker
Pound Piaster
Net premium
50% Relative tax stamp fees
50% stamp fee in large
Supervision fees
Policy insurance fees
Insured Name:
Address
Occupation
From noon A
To noon B
Additional term against required
Additional premium
Total
Particulars of insured cars
Plate Number Model and place of manufacture Year of manufacture Chassis Type Chassis Number Engine Number Cylinder Capacity Number of passengers Insured evaluation
1. Car price
2. Additions (Insurance Value)
• Bearing: 100 Egyptian pound per accident (Obligatory).
• The policy deed revoked if the insured not paying the premium, and the premium deemed unpaid through a chaque unless it is collected.
• Repair of cars would not take place in agents or service centers except for cars under 5 years, but for cars over 5 years to be repaired in workshops providing that it is registered at sales tax division.
Dated in: ………………………..
Royal & Sun alliance Insurance Co.
Relativity Provisions:
It is known and agreed upon that insurance takes place on car market value, if it happened at the time of insured car accident that value exceeds the insurance value, therefore indemnity paid would decrease by ratio of insurance value to market price at the time of the accident.
Also, it is known that evaluation of insured to the car value is not deemed on acceptance from the company. In case of total damage, the value paid by the company should exceeds the insured evaluation as above or the car market value on the date of loss, damage which of them is less.
First chapter (1):
Responsibility limitation:
Expenses of maintain drag and transport of the car by the insured in the limits of (50) Egyptian Pound (provision 3).
• Maximum repair cost without referring to the company (50) Egyptian Pound (provision14).
• Maximum repair of windscreen and rear window glasses according to the following percent:
1. 5% the insurance value for windscreen.
2. 3% of the insurance value for rear window.
Second: chapter (2) :
Civil Responsibility:
Maximum value for company liability for any claim or many claims for one accident 10000 Egyptian Pound and it could be insured against additional premium.
Third: Geographical Boundaries:
Arabian Republic of Egypt
Fourth: Driver’s Requirements:
Shall have valid driving license to drive the car, during the validity of the policy according to traffic laws and regulations.
Royal & Sun alliance Insurance Co.

تأمين الزجاج GLASS INSURANCE

يمكن تأمين زجاج النوافذ ضد الكسر إضافة الى الرفوف الزجاجية وأجزاء النوافذ الأخرى وإطارها والكتابة الموجودة على الزجاج وتكاليف التركيب، وتنص بعض أنواع وثائق تأمين الزجاج على تغطية جميع الزجاج المثبت فى النوافذ، بينما يحدد البعض الآخر أنواع الزجاج التى سيتم تغطيتها.

ويعتمد احتساب معدل القسط لهذا النوع من الأغطية على نوعية وحجم وموقع الزجاج إضافة لنوعية العمل الذى يزاولة المؤمن له.

ثامناً : الوثائق الموحدة (اشاملة ) PACKGE POLICIES

لقد قام عدد من المؤمنين بابتكار نوع بسيط من الأغطية القياسية لتغطية الأخطار التى تحيط بصغار التجار وفيما يلى بعض الأمثلة على أنواع الأخطار المغطاة بهذا الغطاء:

• الخسائر والأضرار التى تلحق بمحتويات المحل - باستثناء التبغ أو السجائر إلا إذا تم تأمينها بشكل خاص – نتيجة الحريق والبرق والانفجار والسرقة المصحوبة باستعمال العنف أو الإكراه أثناء الاقتحام أو الخروج من المحل أو الاحجاز أو الشغب أو الضرر المعتمد (خاضع لمبلغ تحمل) والارتطام بالطائرات (باستثناء الأضرار الناتجة عن ضغط أمواج الهواء التى تسببها الطائرات) والاتطام بالمركبات والزلازل والعواصف والفيضانات وانفجار مواسير المياه (خاضع لمبلغ تحمل) إضافة الى زيادة موسمية بنسبة معينة على غطاء البضائع (على سبيل المثال فى مواسم الأعياد وافتتاح المدارس)، ويمكن لطالب التأمين إضافة الأضرار العرضية الى الغطاء الأساسى كما يمكنه أيضاً ربط مبلغ التأمين بمؤشر مناسب للتضخم.

• خسائر الأرباح بسبب توقف الأعمال (الى فترة تعويض قصوى مدتها 12 شهراً) بسبب خسارة أو ضرر نتيجة الأخطار التى ذكرناها أعلاه بالإضافة الى التكاليف الإضافية وأتعاب مدققين الحسابات (الى حد أقصى) للمصادقة على المطالبة، وعادة ما يكون مبلغ التأمين تحت هذا القسم يساوى مرة ونصف من مبلغ التأمين على البضائع والملحقات إضافة الى أتعاب مدققين الحسابات عن تحضيرهم وإعدادهم للمطالبة.

• خسارة النقود

- خلال النقل وخلال وجودها فى المحل أثناء فترة الدوام أو خلال وجودها فى المحل أو فى الخزانة خارج ساعات الدوام الى حد تعويض أقصى .
- خلال وجودها فى المحل ولكن خارج الخزانمة وخارج ساعات العمل وخلال تواجدها فى منزل المؤمن له أو فى منزل أحد موظفيه الى حد تعويض أقصى .

- بالإضافة الى الشيكات المقفلة (GROSSED CHEQUES) وغطاء الحوادث الشخصية – طبعاً لحد تعويض أقصى – لناقل النقود إذا تعرض للسطو بشرط أن يكون الشخص بين السابعة عشر والسبعين من العمر، ويشمل تعريف "النقود" الشيكات وإيصالات الغذاء والطوابع وما إليها.

• تحطم زجاج الأبواب والنوافذ التى تكون فى مدخل المحل إضافة الى تكاليف التركيب والأضرار التى تحدث للبضائع من جراء ذلك ، طبعا لحد تعويض أقصى مبين فى الوثيقة.

• المسؤولية القانونية تجاه الموظفين أو العامة، وهناك حد تعويض أقصى بالنسبة الى مطالبات الطرف الثالث وتلك المتعلقة بالمنتجات.

• أغطية إضافية مثل تأمين ضمان الأمانة والحوادث الشخصية وفقدان رخص قيادة السيارة.

ويستطيع المؤمن له اختيار الأغطية التأمينية التى يحتاجها عمله كل على حده وجمعها فى وثيقة واحدة، أما إذا قرر اختيار الوثيقة الشاملة فعلية أن يأخذ كل الأقسام الموجودة فيها مع بقاء الخيارات مفتوحة له بإضافة أحد أو كل الأغطية الإضافية المتوفرة

(أ) اكتتاب وثيقة التاجر الشاملة

يوجد فى أغلب استمارات طلب تأمين وثائق التاجر الجامعة بعض الأسئلة الخاصة، يفترض التركيز على الأسئلة الخاصة والمحورية فقط ، كذلك تجدر الاشارة الى أن عدداً كبيراً من الأسئلة التى تترك تتعلق بمبالغ تأمين الأقسام الأخرى.

تحتوى استمارة طلب التأمين على مجموعة من الأسئلة الاعتيادية التى تتعلق باسم المؤمن له وعنوانه ونوعية عمله وموقع العمل وقيمة المبنى ومحتوياته ونوعية البضائع الموجودة بداخله – يجب إعطاء قيمة كل من النبيذ والخمور والسجائر بشكل منفصل إن وجدت ضمن البضائع والملاحق وتجهيزات المحل وجميع هذه الأسئلة تساعد المؤمن فى تقييم حجم الخطر الذى سيقوم بتغطيته، ويجب إشعار طالب التأمين بأن هذه الوثيقة خاضعة لشرط النسبية وأن بعض الأشياء المغطاة بشكل منفرد ربما تخضع لشرط النسبية بشكل منفرد أيضاً ، كما سيقوم المؤمن بسؤال طالب التأمين عن كيفية تشييد المبنى ونوعية المواد المستخدمة فى بنائه وهل هو مأهول ليلاً وهل هناك أية مواد خطيرة موجودة فيه – من وجهة نظر الحريق أو السرقة مثل المواد سريعة الاشتعال أو المجوهرات، ولكن تظل هذه المعلومات غير كافية بالنسبة للمؤمن لكى يستطيع أن يقرر رفض الطلب أو قبوله ومن ثم احتساب القسط المناسب فى هذه الحالة، فالمؤمن بحاجة الى معرفة الأغطية الإضافية المتوفرة التى يرغب طلب التأمين فى إضافتها الى الغطاء الأساسى، حيث أن بعض هذه الأغطية تحتاج الى زيادة مبلغ التأمين أو تحديد فترة التعويض (فى حالة تأمين توقف الأعمال).

(ب) الإقرار THE DECLARATION

فى نهاية استمارة طلب التأمين يوجد الإقرار الذى يتطلب من طالب التأمين أن يتعهد من خلاله بصحة المعلومات التى قام بتزويد المؤمن بها.
وفيما يلى بعض الأمثلة على أنواع الإقرارات:

إن المبنى:

 مشيد من الطوب والحجارة والأسمنت وأن سقفه مكون من الألواح الإردوازية (صخرية) أو القرميد أو المعدن أو الأسمنت أو الأسفلت.
 فى حالة جيدة وتتم صيانته بشكل دورى وتتخذ جميع الاحتياطات اللازمة للحفاظ على سلامته.

 فى منطقة غير معرضه للفيضانات.

 يستخدم فقط فى مجال عمل المؤمن له كمحل للبيع أو كمكتب لمزاولة مهنته أو كمسكن له.

 سيتم الاحتفاظ بسجل شراء وبيع البضائع كما سيتم تدقيقها من قبل محاسبين محترفين.

 لم يقم أى مؤمن برفض طلبه أوإلغاء تأمينه أو فرض شروط خاصة عليه من قبل.

 لن يستخدم المحل فى التصنيع ولن يتم استخدام داخل المحل أية آلة تعتمد فى تشغيلها على الطاقة.

 سيتم تشغيل جميع أنواع أجهزة الحماية مثل أجهزة الإنذار ضد الحريق باستمرار عندما يكون المحل مغلقاً.

 كل الأشخاص المعنيين بوثيقةتأمين الحوادث الشخصية يتمتعون بصحة جيدة ولا يعانون من أية أمراض مزمنة أو عاهات جسمانية أو عقلية.

آخر بيان يجب أن يوقع عليه طالب التأمين هو الإقرار بصحة جميع المعلومات والبيانات الواردة فى استمارة طلب التأمين التى قام طالب التأمين بتزويد المؤمن بها، وفيما يلى بعض الأمثلة على نص هذا الإقرار:

• إنى أتقدم للحصول على حماية تأمينية مع شركة التأمين وإن جميع المعلومات التى زوت الشركة بها والواردة أعلاه صحيحة حسب معلوماتى واعتقادى .

• أصرح بأن البيانات التى أدليت بها أو أدليت بالنيابة عنى كاملة وصحيحة حسب معلوماتى واعتقادى.

• أنا الموقع أدناه أرغب فى الحصول على تأمين حسب شروط الوثيقة التى تصدر من قبل الشركة.

وأصرح بأن البيانات التى أدليت بها صحيحة حسب معلوماتى واعتقادى وإنى لم أقم بإخفاء أية معلومة يمكن أن تؤثر على قرار المؤمن بقبول أو رفض إجراء التأمين، وأوافق على أن تكون استمارة طلب التأمين أساس العقد بينى وبين الشركة.

المثال الأول يمكن أن يكون نمط للمستقبل، أما المثال الأخير – أو حتى نسخة أطول منه – فقد تم استخدامه لعدد من السنوات، أما بالنسبة للتطبيق العملى الحالى فيتطلب أن يقر طالب التأمين بصحة البيانات حسب معلوماته واعتقاده بدلا من التعهد بصحتها المطلقة. هذا وفى حالة استخدام هذا النوع من النصوص تتم الإشارة الى عواقب عدم التصريح بالحقائق الجوهرية.

• المعاينة SURVEY

عادة وبعد أن يطلع المؤمن على طلب التأمين ينصب اهتمامه على مسألة معاينة جميع الأخطار باستثناء الصغيرة منها ولذلك يقوم بإرسال أحد المعاينين لأداء هذه المهمة، أما بالنسبة للأخطار الصغيرة فيمكن الاعتماد على معاين داخلى (يكون قد خضع لبعض التدريب فى هذا المجال) لمعاينة الخطر وإعداد تقرير معاينة أو للحصول على إجابات للأسئلة التى يحتاجها المكتتب، وتختلف نظرة وتقدير كل مؤمن بالنسبة لمدى الحاجة لمعاينة خطر ما إلا أن نوعية العمل أو المهنة تظل من أهم العوامل التى تؤثر من قرار المؤمن بمعاينة الخطر أو عدم معاينته.

أما بالنسبة للأخطار الكبيرة فعادة ما يخول المكتتب أحد خبراء المعاينة المؤهلين لمعاينة الخطر والذى سيقوم بتقدير تقريراً الى المكتتب يتضمن رسم بيانى للمحل موضحاً كافة المظاهر والنقاط الجيدة والرديئة بالإضافة الى التحسينات التى يجب على طالب التأمين إنجازها ونظراً لتواجد المعاين فى الموقع فسوف يقوم بتنبيه المؤمن له الى التحسينات المطلوب منه إجراءها وبذلك سيقلل من الحاجة الى المراسلات بين المؤمن والمؤمن له.

بعض تقارير المعاينه تكون فى صورة قائمة للفحص (CHECK LIST) أو فى صورة تقرير يلقى الضوء على العوامل والظواهر الاستثنائية دون التطرق للظواهر الاعتيادية أى أنه لن يصف جميع مظاهر الخطر بل سيقوم المعاين بلفت انتباه المكتتب الى الميزات غير العادية والى العوامل التى ترفع نسبة الخطر وتلك التى تقلل منه.

: تأمين البضائع أثناء النقل
GOODS IN TRANSIT INSURANCE


نظراً لتنامى خطر السرقة خاصة السرقات الصغيرة ارتفع خطر فقدان البضائع أثناء نقلها من مكان لآخر، فقد تم توفير نوعين من الأغطية المتوفرة للتعامل مع هذا الخطر، الأول ويتعلق بالبضائع المنقولة عندما يقوم المؤمن له استلام أو بإرسال بضائع ملكا له أو ملكا لأشخاص آخرين، والنوع الثانى يغطى البضائع المرسلة عن طريق الشوارع أو السكك الحديدية أو البريد، وتتشابه الأخطار المغطاة تحت هذهين الغطائين مع تلك المغطاة فى قسم التأمين البحرى بالنسبة لأخطار النقل البحرى والجوى، ويمكن أن يعد هذا الغطاء على أساس "كافة الأخطار" مع بعض الاستثماءات الإضافية.

ويشمل هذا الغطاء عادة الخسائر أو الأضرار التى تحدث للبضائع بسبب الحريق والسرقة والحوادث والسرقات الصغيرة خلال عمليات الشحن والنقل والتفريغ من الشاحنة أو خلال فترة تخزينا المؤقت أثناء عملية النقل فى أى بلد تتم فيه هذه العمليات وتختلف المنطقة الجغرافية المبينه فى الوثيقة وفقاً للمناطق التى يعمل بها المؤمن له.

إن استثناءات هذه الوثيقة مشابهة لتلك التى ذكرناها فى وثيقة كافة الأخطار إضافة الى:

• التأخير وخسارة السوق وجميع أنواع الخسائر التبعية وتلف البضاعة أو تغيرها نتيجة لأسباب طبيعية.
• السرقات (الصغيرة منها والكبيرة) التى تتم بمساعدة أو تواطؤ موظفى المؤمن له.
• البضائع أثناء وجودها فى حوزة البائع المتجول.

وهناك أيضاً عدد من الاستثناءات الخاصة بالبضائع ذات القيمة الباهظة مقارنة بحجمها كالمجوهرات والساعات والأحجار الكريمة إضافة الى النقود وما شابهها.
كما توجد وثائق خاصة للمؤسسات العاملة فى مجال نقل الأثاث وأيضاً للأشخاص الذين يرغبون فى نقل أثاثهم ومحتويات منازلهم الأخرى من بيت لأخر

: تأمين كافة الأخطار ALL RISKS INSURANCE

إن غطاء تأمين كافة الأخطار المتوفرة يشمل أخطار الحريق والسرقة وغيرها إضافة الى أى خطر إذا لم يكن مستثنى فى الوثيقة، فعلى سبيل المثال سقوط شىء مؤمن عليه دون قصد وتحطمه أو تضرره، وهذا الغطاء لايعنى حرفياً بأنه يشمل كافة الأخطار كما يوحى بذلك أسمه بل يشمل أخطاراً متعددة، وهذه هى الاستثناءات الرئيسية:
• التلوث النووى
• الحرب .
• الشغب والاضطرابات الأهلية والزلازل والبراكين.
• أى خسارة تقع خارج المنطقة الجغرافية المحددة فى الوثيقة.
• الحجز من قبل سلطات الجمارك.
• البلى والاندثار والفساد التدريجى.
• التشويش أو التعطيل الكهربائى أو الميكانيكى.

مثال (4):

ذهبت ندى الى حديقة منزلها لقطف بعض الورود وعادت تحمل باقة جميلة من الأزهار بدأت فى تنسيقها استعداداً لاستقبال صديقتها القادمة لتهبئتها بالمنزل الجديد وفجأة تعكر هذا الجو عندما نظرت ندى الى إصبعها لتكتشف أن فص الخاتم الثمين ليس فى مكانه 000 لقد ضاع الفص الماسى 000 ولم تجد كل عمليات البحث نفعاً 00 هنا تذكرت ندى بأن لديها وثيقة تأمين تغطى محتويات المنزل والأمتعة الشخصية فسارعت الى الوثيقة تطالع نصوصها وتبحث بين سطورها 000 الوثيقة تغطى الحريق 000 وتغطى السرقة أيضاً لكن ماذا عن الفقدان 00 لاشىء حوله 000 هل بقى أمل 000 رفعت ندى السماعة وأدارت رقم سمسار التأمين الذى تتعامل معه 000 حكت له ما جرى 000 فأكد صحة استنتاجها أن الوثيقة التى بين يديها لا تغطى مثل هذا الخطر 000 ولكن لاداعى للقلق 000 فلديك يا ندى وثيقة تأمين كافة الأخطار على امتعتك الشخصية 000 إن فص خاتمك لم يضع يا ندى.

إن استخدام وثائق كافة الأخطار بالنسبة الى المؤسسات التجارية يعتبر ظاهرة جديدة أخذه فى الازدياد والانتشار. وذلك بسبب الإنتاج المتزايد للأجهزة الالكترونية الصغيرة (مثل أجهزة الكمبيوتر الشخصيــة والنقالة) ذات القيمة العالية والقابلة للتحطم بمجرد وقوعها على الأرض أو السرقة بسهولة من قبل أى لص، لكن قائمة الاستثناءات فى وثائق كافة الأخطار التجارية أكثر من تلك الموجودة فى الوثائق الشخصية. فعلى سبيل المثال يستثنى هذا الغطاء أخطار التلوث والعيوب فى التصميم.