COVER GRANTED:
LOSS OR DAMAGE casued by any of the undermentioned perils to the buildings specified in the schedule:
- Fire, Lighting, Thunderbolt, subterranean Fire, Explosion
- Riot, Civil Commotion, Strikes,Lock-outs, Labour Disturbances or malicious persons acting on behalf of or in connection with any Political Organization.
- Storm, Tempest, Flood excluding:
- Loss or damage caused by Subsidence or Landship
- Loss or damage to gates, fences, ans retaining walls
- The first n40 of each and every claim.
- Earthquake execluding any loss or damage (other tahn loss or damage by fire) arising directly or indirectly from any miing operations.
- Aircraft and other aerial devices dropped therefrom
- Bursting or Overflowing of Water Tanks Apparatus or pipes (excluding the first n40 of each and every claim).
- Impact with any of the said buildings by road vehicle, horse or cattle, not belonging to or under the contrl of the insured or any member of his family residing with him.
- Burglary or Housebreaking or any attempt thereat except whilst the private house is left unfurnished.
- Loss of Rent actually incurred should the hosue be rendered uninhabitable by any of the insured perils limited to 5% of the sum insured on the Building.
- Property Owner's Liability to Third Parties for injury or damage up to N2,000 any one accident.
GENERAL EXCLUSIONS
- War, Invasion, Act of foreign Enemy, Hostilities (whether war be declared or not)Mutiny, Insurance, Rebellion, Revolution, Conspiracy, Military or Unsurped power.
- Consequential loss of any nature whatsover, except loss of Rent.
PROPOSAL FOR OFFICE COMPREHENSIVE INSURANCE
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| Please, answer all questions fully. If a negative is intended, state no or none |
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| Period of Insurance: From |
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To: |
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| Name of Proposor (in full) |
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| Address |
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| Profession Or Occupation |
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| The Situation of Private Dwelling |
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| 1. |
Is the building or the Private Dwelling house constructed of bricks, stone or concrete with slate, tile, concrete asbestors or metal roof? If not, please state construction of walls and roof |
Wall |
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| Roof |
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| 2. |
Is any part of the premises occupied as apartments or by paying guest, boarders, lodgers or independent tenants? If so, please state number and give particualrs |
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| 3. |
Is any trade or business carreid on in the building? if so, please give particulars. |
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| 4. |
Is the dwelling attached or detached? |
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| 5. |
Have you suffered any loss from any of the perils to be insured against? If so, please give brief details and state what precautions have been taken to prevent recurrence |
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| 6. |
Has any proposal or insurance against any of the perils to be insured been declined or cancelled or the renewal thereof been refused by any Insurance Company or underwriter? If so, please give particulars. |
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| 7. |
State SUM ASSURED which must represent the FULL VALUE of the building of the Private Dwelling House and all Private Garages and Outbuildings, Walls, Gates, Fences (other than hedges) on the premises including Landlords, Fixtures and Fittings.
(Please note that if the insurance is effected for less than the full value of the building at the same time the claim the insured will be considered as his own insurer for the balance and will bear a proportionate share of the claim) |
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| 8. |
Are the premises Mortgaged? If so, state name of mortgage. |
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DECLARATION
I desire to effect an insurance with the GUARDIAN TRUST INSURANCE COMPANY LTD.in terms of the Company's usual policy for this class of insurance and declare that the above statements are true and complete, that nothing material affecting the risk has been concealed by me and that the amount above stated is the FULL VALUE of the property within described. I agreed that this proposal shall be taken as the basis of the proposed contract between me and the GUARDIAN TRUST INSURANCE COMPANY LTD. |
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| Agent |
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| Date |
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| Signature |
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