In the event of any occurrence which might give rise to a claim the Insured shall:
- Immediately notify the Company by telephone or telegram as well as in writing, giving an indication as to the nature and extent of the loss or damage;
- Insured should take all steps within his power to minimize the extent of the loss or damage;
- Insured should preserve the parts affected.
- Furnish all such information and documentary evidence as the Company may require.
- The Company may at their own option repair or replace what is damaged or pay in cash for the loss or damage.
- The Company shall not be liable for the cost of any repairs undertaken by the Insured without the Company’s’ written permission.
- The Company shall not be liable for loss or damage of which no notice has been received by the Company within 14 days of its occurrence.
- Upon notification of a claim being given to the Company, the Insured may carry out repairs of any minor damage or replace items, which have sustained any minor damage, but in all other cases a representative of the Company shall have the opportunity of inspecting the damage before any alterations are effected.
- 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 for herein, within three months after the arbitrators or umpire have made their award, all benefit under this policy shall be forfeited.
- Whenever a claim arise and the same loss, damage or liability is covered by any other insurance, the Company shall not be liable to pay or contribute more than their rate able proportion of any claim for such loss, damage or liability. The Insured shall be obliged to inform the Company of any other insurance covering the same insured property.
