1

The INSURED has applied for this insurance to Groupama Insurance Company Limited (The COMPANY) by a

PROPOSAL which is the basis of this contract and is deemed to be incorporated herein and in consideration has paid

or agreed to pay the premium

In return the COMPANY will provide the insurance as described in this Policy during the Period of Insurance subject

to the terms conditions and exclusions of this Policy

This Policy the Schedule the Appendices and Endorsements will be read together as one document

The COMPANY shall mean Groupama Insurance Company Ltd

Signed for and on behalf of

Groupama Insurance Company Limited

Pierre Lefevre

Chairman and Chief Executive

Groupama Insurance Company Limited

Groupama House

24-26 Minories

London

EC3N 1DE

Please read this policy carefully to ensure that it meets your requirements.

If you have any queries please contact your Broker or Intermediary who will be pleased to help.

This policy should be kept in a safe place - you may need to refer to it if you have to make a claim.

2

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We will make sure all the information we give you will be clear fair and accurate

*

We will always try to be fair and reasonable whenever you need the protection of this policy

*

We will also act promptly to provide that protection

Insuranceservices.co.uk and Groupama Insurances are committed to delivering the highest standards of customer care.

We are always interested in your feedback and you can contact us by post, e-mail or telephone.

Commercial Insurances Claims Manager

Castlemead, Lower Castle Street,

Commercial Claims Centre

Bristol

Groupama House

BS1 3AG

17 Station Road

New Barnet

EN5 1PG

Tel: 020 8441 4500

Tel: 0844 582 1413

Fax: 020 8441 9896

Fax: 0870 7348339

E-mail: customer.service@groupama.co.uk

E-mail: contact@insuranceservices.co.uk

Any complaint you may have regarding your policy should be addressed to insuranceservices.co.uk. Please ensure that

you provide the details of your policy and in particular your policy number to help your complaint to be dealt with

efficiently and promptly.

Please address your written complaint to:

Insuranceservices.co.uk

Castlemead, Lower Castle Street,

Bristol

BS1 3AG

Tel: 0844 582 1413

If you are still not satisfied with the way the complaint has been handled please write to:

The Chairman & Chief Executive

Groupama Insurances

Groupama House

24-26 Minories

London

EC3N 1DE

Tel 0870 85010

Fax 020 7220 0451

If you are still unhappy following receipt of our final response you can refer the dispute to the Financial Ombudsman

Service who will review your case on an independent basis. The address is:

The Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London

E14 9SR

3

Tel 0845 080 1800

(Please note that the Financial Ombudsman is only able to intervene in respect of personal policyholders or small

businesses with a turnover less than £1m)

Groupama and insurancesservices.co.uk are both members of the General Insurance Standards Council (GISC) The

GISC is an independent organisation set up to regulate the sales advisory and service standards of members Its main

purpose is to make sure that general insurance customers are treated fairly Their address is

General Insurance Standards Council

110 Cannon Street

London

EC4N 6EU

Tel 020 7648 7800

E-mail enquiries@gisc.co.uk

Groupama is a member company of the Association of British Insurers (ABI) and you can contact them at any time for

help or assistance. Their London headquarters are at:

Association of British Insurers

51 Gresham Street

London

EC2V 7HQ

Tel 020 7600 3333

If you take any of the action mentioned above it will not affect your right to take legal action

4

The words defined below will have the same meaning wherever they appear in bold capital letters in this Policy

means the Groupama Insurance Company Limited

means any

(1)

person under a contract of service or apprenticeship with the INSURED

(2)

self-employed person labour only sub-contractor labour master or person supplied by any of them

(3)

person seconded to acquire work experience under a scheme or otherwise

(4)

person hired to or borrowed by the INSURED

whilst working for the INSURED in the course of or in connection with the EVENT

means the amount to be deducted by the COMPANY from the total agreed amount of each and every claim other than

claims relating to INJURY for which there is no EXCESS

means the event specified in the Schedule only and no other activity

means bodily injury death illness disease or shock causing bodily injury

means the person or persons (including the legal personal representatives in the event of the INSUREDS death in

respect of liability incurred by the INSURED) or Limited Company named in the Schedule

POLLUTION or CONTAMINATION

means

(1)

all POLLUTION or CONTAMINATION of buildings or other structures or of water or land or the

atmosphere

(2)

all INJURY loss or damage to material property directly or indirectly caused by POLLUTION or

arising from POLLUTING or CONTAMINATING or SEEPING SUBSTANCES

means goods or other material property sold supplied delivered installed erected processed repaired altered treated or

tested by or on behalf of the INSURED in the course of the EVENT and not within the custody of the INSURED

means any signed proposal form and declaration and any other information in connection with this insurance supplied

by or on behalf of the INSURED

POLLUTING or CONTAMINATING or SEEPING SUBSTANCES means any solid liquid gaseous or thermal

irritant or contaminant including but not limited to smoke vapour fumes acid alkalis chemicals dust micro-organisms

and waste including material to be recycled reconditioned or reclaimed

means England Scotland Wales the Channel Islands and the Isle of Man

5

The COMPANY will indemnify the INSURED against all sums which the INSURED shall become legally liable to

pay as compensatory damages and claimants costs and expenses arising out of accidental

(a)

INJURY to any person

(b)

physical loss of or physical damage to material property

(c)

obstruction trespass nuisance wrongful arrest or interference with any right of way light air or water

occurring within the TERRITORIAL LIMITS in connection with the EVENT

(i)

during the Period of Insurance

(ii)

during the 24 hours prior to the Period of Insurance solely for the purpose of preparation for the EVENT

(iii)

during the 24 hours immediately after the Period of Insurance solely for the purpose of decommissioning any

equipment and tidying up

The maximum liability of the COMPANY in respect of all indemnity payable under this Policy in respect of or arising

out of any one occurrence attributable to one original cause or source will not exceed in the aggregate the Limit of

Indemnity stated in the Schedule

Provided that the liability of the COMPANY for all indemnity payable in respect of or arising out of PRODUCTS will

not exceed the Limit of Indemnity stated in the Schedule in any one Period of Insurance

The COMPANY will pay in addition to the Indemnity Limit legal costs and expenses incurred with its written consent

for

(a)

representation at any coroners inquest or inquiry in respect of any death

(b)

defending an any court of summary jurisdiction or any proceedings in respect of any act or omission

which may be the subject of indemnity under this insurance

The COMPANY will not be liable for

(a) loss or destruction of or damage to any material property whatsoever or any loss or expense whatsoever

resulting or arising therefrom or any consequential loss

(b) any legal liability of whatsoever nature

directly or indirectly caused by or contributed to by or arising from

(i) ionising radiation or contamination by radioactivity from any nuclear fuel or from nuclear waste from the

combustion of nuclear fuel

(ii) the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear

component thereof

any contingency occasioned by or happening through or in consequence of war invasion acts of foreign

enemies hostilities or warlike operations (whether war be declared or not) civil war rebellion revolution

insurrection civil commotion assuming the proportions of or amounting to an uprising military or usurped

power martial law confiscation or nationalisation or requisition or destruction of or damage to property by or

under the order of any Government or public or local authority

6

legal liability or any cost or expense of whatsoever nature or wheresoever arising directly or indirectly caused

by resulting from or in connection with

(i) any act of TERRORISM regardless of any other cause or event contributing concurrently or in any other

sequence to the loss

(ii) any action taken in controlling preventing suppressing or in any way relating to any act of TERRORISM

except to the extent that it is necessary to comply with the minimum requirements of the law in the United

Kingdom of Great Britain and Northern Ireland including the Channel Islands and the Isle of Man relating to

compulsory insurance of liability to employees

For the purpose of this Exclusion an act of TERRORISM means an act including but not limited to the use of

force or violence and/or the threat (or perceived threat) thereof of any person or group of persons whether

acting alone or on behalf of or in connection with any organisation or government (de jure or de facto)

committed for political religious ideological or similar purposes including the intention to influence any

government (de jure or de facto) and/or to put the public or any section of the public in fear

In any action suit or other proceedings where the COMPANY alleges that by reason of this Exclusion any

legal liability cost or expense is not covered by this Policy (or is covered only up to a specified Limit of

Liability) the burden of proving that such legal liability cost or expense is covered (or is covered beyond the

Limit of Liability) shall be upon the INSURED

In the event any portion of this Exclusion is found to be invalid or unenforceable the remainder shall remain in

full force and effect

liability arising in connection with an EVENT on or in or involving

(a)

docks harbours or railways

(b)

rivers canals waterways lakes or seas

(d)

airports or airfields

the cost of repairing or replacing materials or goods sold or supplied or of rectifying defective workmanship

liability assumed under any contract or agreement where such liability would not have arisen in the absence of

such contract or agreement

fines penalties punitive exemplary aggravated liquidated or multiple damages

liability for INJURY to any EMPLOYEE where such INJURY arises out of and in the course of

employment by the INSURED

liability for or arising out of loss of or damage to

(a)

material property in the custody or control of or owned by the INSURED or any EMPLOYEE other

than premises including contents not owned rented to or leased by the INSURED but temporarily

occupied by the INSURED in order that work thereon may be effected by the INSURED or

(b)

ground surfaces at the EVENT venue or any underground surfaces

liability in respect of POLLUTION or CONTAMINATION including the cost of removing nullifying or

cleaning up POLLUTING or CONTAMINATING or SEEPING SUBSTANCES or REMEDIATION

unless directly caused by a sudden identifiable unintended and unexpected occurrence which takes place in its

entirety at a specific time and place during the Period of Insurance Provided that

(a)

all POLLUTION or CONTAMINATION which arises out of one occurrence will be deemed to

have occurred at the time such occurrence takes place

(b)

the liability of the COMPANY for all damages and claimants costs and expenses payable in respect

of all POLLUTION or CONTAMINATION which is deemed to have occurred during the Period of

Insurance shall not exceed in the aggregate the Indemnity Limit stated in the Schedule

7

but in no event shall this Policy cover any liability in respect of POLLUTION or CONTAMINATION

including the cost of removing nullifying or cleaning up POLLUTING or CONTAMINATING or

SEEPING SUBSTANCES or REMEDIATION in the United States of America or Canada

liability arising in connection with

(a)

watercraft hovercraft aircraft

(b)

any mechanically propelled vehicle which is required to be insured under any road traffic

legislation or is the subject of other security

liability arising in connection with the operation or use of

a)

firearms

b)

fireworks or other pyrotechnics

c)

mechanical rides or fairground rides

d)

inflatable devices (including bouncy castles)

e)

bungee running or bungee jumping

f)

quad bikes, go-carts or any motorised activity

g)

trampolines

liability arising from or contributed to by the effects of alcoholic drinks illegal drugs or other illegal

substances

liability caused by or through or in connection with remedial professional or other advice or treatment given or

administered or any failure to give advice or treatment or any lack of professional skill

liability arising from injury or damage caused by or contributed to by contractors or independent stall-holders

unless the INSURED has received documentary evidence that such party or parties hold current and valid

Public and Products liability insurance and shall provide such documentary evidence in the event of a claim

the first £250 of any claim for loss of or damage to property

All conditions in this Policy are to the extent they are able to take effect as conditions precedent to the liability of the

COMPANY under this Policy deemed to be conditions precedent to the liability of the COMPANY

The INSURED will observe and fulfil the terms conditions and endorsements of this Policy in so far as they

relate to anything to be done or complied with by the INSURED

The INSURED will take all reasonable precautions to prevent INJURY loss or damage and take all

reasonable measures to observe and fulfil the requirements of all statutory obligations and regulations

The INSURED will immediately notify the COMPANY in writing of any alteration in the EVENT which

may increase the risk of INJURY or loss or damage

The COMPANY having been advised of a claim under this Policy will be entitled to

8

(a) undertake in the name of the INSURED defence control or settlement of any claim and for its own

benefit take proceedings in the INSUREDS name to mitigate the loss

(b) pay to the INSURED in settlement of its liability for all claims arising out of any one occurrence or

series of occurrences attributable to one original cause either

(i)

the Limit of Liability of the appropriate Section or

(ii)

such lesser amount for which the claim or claims may be settled

The COMPANY will only provide indemnity for costs fees or expenses incurred up to the date of such

payment less any amounts already paid

Whenever anything occurs which might give rise to liability under this Policy the INSURED will

(a) immediately notify the COMPANY and provide such written information or details as may be required

(b) send to the COMPANY immediately on receipt and unacknowledged every letter claim writ summons or

process relating to a claim

The INSURED will provide all help assistance and co-operation required by the COMPANY in connection

with any claim

The Premium will be paid prior to the EVENT otherwise all benefit under this Policy will be forfeited and the

Policy will be considered as never having been in force

This Policy does not cover any liability for which indemnity is recoverable under any other policy except for

an amount in excess of that recoverable thereunder

The Policy will be voidable in the event of nondisclosure of any material information or fact or

misrepresentation or misdescription

The COMPANY may cancel this Policy at any time by giving fourteen days notice by recorded delivery letter

to the INSUREDS last known address and in such event the COMPANY will return the whole of the

premium paid

Where the INSURED is an individual the INSURED has the right to choose the law which shall apply to the

contract however English Law shall apply unless otherwise agreed in writing by the COMPANY

Unless otherwise agreed in writing any dispute or difference concerning liability under or interpretation of this

Policy will be governed by and construed in accordance with English Law and the INSURED will submit

such dispute or difference to the exclusive jurisdiction of the English Courts

(a) This Policy is a contract solely between the COMPANY (which term in this Condition shall include

Underwriter or Insurer) and the INSURED or INSUREDs specifically named in the Policy Schedule It is not

intended to confer any contractual rights on any other person (which term in this Condition shall include the

plural bodies corporate and unincorporated associations) unless the COMPANY has agreed thereto in writing

The COMPANY may at its discretion and on such terms as it shall specify grant to the INSURED in writing

the power to designate a person who shall then be entitled to such contractual rights under the Policy as may

be specified and subject to the due observance of the terms and conditions of the Policy and of this Condition

(b) Where the COMPANY has granted rights to a person other than the INSURED named in the Policy

Schedule or where the COMPANY has granted to the INSURED named in the Schedule the power to

designate any other person as being entitled to contractual rights under this Policy such contractual rights shall

be subject to the following additional conditions each of which shall be a condition precedent to the liability of

the COMPANY to grant any indemnity or make any payment to that person under this Policy

(i)

At the time when such contractual rights were granted to such person the Policy shall have

been in full force and no circumstances shall have occurred which whether known or unknown to the

COMPANY would entitle the COMPANY to rescind cancel or avoid the Policy

9

(ii)

The INSURED named in the Schedule shall not be or have been in breach of any term or

condition of the Policy

(iii)

The INSURED named in the Schedule shall have complied fully with any procedures which

may be from time to time issued by the COMPANY for the recording and notification of particulars

of persons granted such contractual rights under the Policy

(iv)

Up to and at the time of the occurrence of any event which is the subject of any claim under

this Policy the person claiming contractual rights under this Policy shall have observed fully all terms

and conditions of this Policy in so far as they shall be reasonably capable of being applied to such

person and thereafter shall comply with all the terms of the Policy relating to the management of

claims as if they were named as the Insured in the Policy Schedule

(c) Any right of the COMPANY to rescind cancel or vary this policy shall not be subject to or diminished by

the rights of any person who is granted contractual rights under the Policy Notice of the exercise of such rights

(namely to rescind avoid cancel or vary this Policy) by the COMPANY shall be effective if given in writing

and sent to the last known address of the INSURED first named in the Policy Schedule Such notice shall be

deemed to be notice to any person having contractual rights under the Policy

(d) The maximum limit placed on any benefit sum insured or indemnity payable under this Policy shall not be

increased by the number of persons entitled to exercise contractual rights under the Policy and the

COMPANYs liability shall not thereby be increased above the amount that would have been payable if the

INSURED first named in the Policy Schedule was the only person entitled to contractual rights under the

Policy

(e) The receipt of any person appearing to be entitled to claim under the Policy shall be effective as a receipt

on behalf of all such persons who may be entitled to claim under the Policy The COMPANY shall not be

under any duty to inquire into the relative priorities of any persons claiming to be entitled to any benefit or

indemnity under the Policy

(f) All other terms and exclusions of the Policy shall remain in full force and effect