CONTRACTUAL CONDITIONS
PDF p. 2 NMA 1658 (Renewal Offer Clause / Clausola di rinnovo, solo in inglese) PDF p. 3 - 8 AFB CH 7 (Pre-contractual information / Informazioni pre-contrattuali)
PDF p. 9 - 11 AFB CH 2 (General conditions of insurance / Condizioni generali di assicurazione) PDF p. 12 Addendum 2
PDF p. 13 NMA 788 (Protection and alarm maintencance / Manutenzione sulla protezione e allarmi) PDF p. 14 LMA9151 (Personal information notice / Nota informativa personale)
05.2022
RENEWAL OFFER CLAUSE (SWITZERLAND)
NMA 1658-4
1. A discount of 10% has been allowed in arriving at the net premium contained in the Policy or in the Certificate in consideration of the Assured having undertaken to offer each year the renewal of this Insurance on the same basic rates and conditions for a period of 5 years as stated in the Insurance Certificate and to pay the premium annually.
2. (a) The Assured is entitled to discontinue the yearly renewal of the Insurance by written declaration up to three months before yearly expiry. The Underwriters are however in these cases entitled to demand repayment of rebates which have been granted to the Assured under this clause.
Furthermore this clause does not deprive the Assured of his rights reserved to him by law or by other conditions contained in the Policy or Certificate to cancel the Insurance.
(b) Underwriters are entitled to discontinue the yearly renewal. The Assured is however in these cases entitled to retain the rebates granted under this clause on yearly premiums previously paid.
3. If the premiums for renewal are not paid when due, the Assured will be reminded of the consequences of default and will be called upon at his own expense to remit such premiums within 14 days after dispatch of the summons. If the Assured default in this obligation, Underwriters’ liability is suspended after the expiration of the 14 days time limit. If within two months after the end of this time limit the outstanding premium is not legally claimed for, it is assumed that Underwriters renounce the outstanding premium and the Insurance is cancelled.
4. The undertaking shall be held to apply to any Policy, Certificate or renewal document issued in substitution hereof and during the period mentioned under 1 above.
17/4/69
NMA1658-4
A. The insurers, as well as the contracting party of the policyholder (hereinafter referred to as: "policyholder"), are the participating Lloyd's Underwriters jointly referred to as Xxxxx'x of London (hereinafter referred to as: "insurers"), with as their registered office respectively address as follows, and with the following legal form:
Lloyd's Lloyd's Underwriters, London Head office in: London / Great Britain
Xxx Xxxx Xxxxxx Xxxxxx XX0X 0XX Great Britain
Swiss Branch: Xxxxxxxxxxxxxx 0
8008 Zürich Switzerland
Legal form: Association of individual insurers
B. The insurance contract has been entered into with the cooperation of Lloyd's brokers. These are insurance intermediaries within the meaning of Swiss legislation who are not tied to a particular insurer (i.e. they are independent).
C. Swiss law shall apply to this insurance contract. The schedule, the quote respectively the insurance policy, the conditions of the contract and the applicable legislation, in particular the Swiss Federal Insurance Contract Act of 2 April 1908 (VVG), shall form the basis of this insurance contract.
In accordance with the Swiss Federal Law on Insurance Contracts (hereinafter "VVG"), the insurers' questions asked in connection with the insurance application must be answered truthfully in writing or in another form that allows proof by text. A breach of this obligation may lead to the termination of the insurance contract and the loss of the insurance claim, whereby breaches of obligation committed before 31 December 2005 are judged under the stricter law applicable to the policyholder or insured person before 1 January 2006 (withdrawal from the contract, forfeiture of the premium).
D. The insured risks and the scope of the insurance coverage shall be as shown in the schedule, the quote respectively the policy, as well as the General Conditions of Insurance (AVB). The policyholder is therefore expressly asked and urged to read through the following information carefully.
E. The amount of the premium will depend on the risks insured under the insurance contract and on the desired scope of the insurance coverage. For further details on the premium and any charges, please refer to the schedule, the quote respectively the policy. If the contract is cancelled before the expiry of a fixed insurance period agreed upon by the contracting parties, the insurers shall be under an obligation to reimburse the share of the premium which corresponds to the period of unexpired risk. There shall be no reimbursement of premium however if (1) the insurers have paid out the insurance benefit as the result of the cessation of the risk or if (2) the insurers have paid out the insurance benefit for partial loss or damage and the policyholder cancels the contract during the first year of the same.
X. The policyholder may revoke his application to conclude the insurance contract or the declaration of acceptance thereof within 14 days from the date of application or acceptance of the insurance contract by the policyholder in writing or in another form that allows proof by text.
The insurance contract shall incept on the date indicated in the schedule, in the quote respectively in the policy. The insurance contract is concluded for the duration specified in this schedule or in the quote. Insurance contracts with a fixed term and with no renewal clause terminate by implication on the date stipulated in the schedule, in the quote respectively in the policy. The policyholder may furthermore terminate the insurance contract by giving notice, in writing or in another form that allows proof by text, within the period for giving notice agreed upon in the policy.
If the contract is not cancelled, it shall be tacitly renewed pursuant to the agreed renewal clause in each case for a further year.
The policyholder may give notice, in writing or in another form that allows proof by text, furthermore after every insured event for which benefit is payable, and this no later than 14 days after becoming aware of the payment of the benefit by the insurers.
The insurers may terminate the contract by giving notice, in writing or in another form that allows proof by text, within the period for giving notice agreed upon in the policy. The insurers may cancel the contract after every insured event for which benefit is payable by them, provided notice of cancellation is given no later than the date on which the benefit to be paid by the insurers is paid. The contract may be cancelled furthermore by the insurers if at the time of the conclusion of the insurance the policyholder failed to disclose relevant facts relating to the risks or misinformed the insurers about such risks; the right of cancellation shall cease to exist 4 weeks after learning of the breach of the duty of disclosure.
The insurers may rescind and thereby terminate the insurance contract if the policyholder is in arrears with the payment of the premium, has been sent a reminder, and if the insurers have waived their right to claim the premium. The insurers may withdraw if, despite a final deadline being fixed in writing or in another form that allows proof by text, the policyholder fails to discharge his obligation to cooperate with the investigation into the facts and circumstances or in case the policyholder acts fraudulently in substantiating his claim.
The list of possible circumstances in which the contract may be terminated is not definitive. Further termination possibilities may be inferred from the conditions of the contract, and from the statutory provisions of the VVG.
G. In connection with the processing of the insurance contract, two data files will be set up by Lloyd's (client data and claims data). The client data shall serve to document whether insurance exists at Lloyd's. The claims data shall be used for claims handling. The data recipients are the respective Lloyd's brokers and the insurers, and possibly additionally in the event of a claim the loss adjusters office appointed by the insurers, and where necessary the Swiss Lloyd's UVG Claims Office. The data may be passed on to other third parties only with the consent of the party concerned or by virtue of a law. The data shall be preserved in part electronically and in part on paper, and shall be destroyed after ten years.
The policyholder shall give his consent and thereby expressly authorise the insurers to process the data pursuant to the above which is necessary for checking the proposal, processing the contract, or for claims settlement purposes.
To the extent that a broker or intermediary acts on behalf of the policyholder, the insurers shall be authorised to disclose client data to the former, such as for example data on the processing of the contract, premium collections, and claim developments. The above consent respectively authorisation applies irrespective of how the contract came into being. The policyholder shall be entitled to request from the insurers and their general representatives such information on the processing of data concerning them as is provided for by law. Consent to the data processing may be withdrawn at any time.
H. N.B.: The relevant wording is solely and exclusively the text of the contractual provisions. This Precontractual Information does not form part of the contract.
GENERAL CONDITIONS
The following General Conditions form part of the insurance contract concluded with the Insurers. They all override all other provisions of this contract which state differently unless individual of these General Conditions have been explicitly amended in the other contractual documentation or have been marked as being not applicable.
1. EXCLUSIONS
This insurance does not cover:
1.1. any loss or damage or liability directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, or 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.
1.2. (a) loss or destruction of or damage to any property whatsoever, or any loss or expenses whatsoever resulting or arising therefrom
(b) any legal liability of whatsoever nature
directly or indirectly caused by or contributed to by or arising from:
(i) ionising radiations or contamination by radioactivity from any nuclear fuel or from any 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.
1.3. Biological and Chemical contamination clause
Insurers will not pay for:
(a) loss or destruction of or damage to any property whatsoever, or any loss or expenses whatsoever resulting or arising therefrom;
(b) any legal liability of whatsoever nature;
(c) death or injury to any person;
directly or indirectly caused by or contributed to by or arising from Biological or Chemical contamination due to or arising from:
• terrorism; and/or
• steps taken to prevent, suppress, control or reduce the consequences of any actual, attempted, threatened, suspected or perceived terrorism.
For the purposes of this exclusion “terrorism” means any act(s) of any person(s) or organisation(s) involving:
• the causing, occasioning or threatening of harm of whatever nature and by whatever means;
• putting the public or any section of the public in fear;
in circumstances in which it is reasonable to conclude that the purpose(s) of the person(s) or organisation(s) concerned are wholly or partly of a political, religious, ideological or similar nature.
1.4. Limited Cyber and Data Exclusion
We will not pay for any:
(a) Cyber
loss, damage, liability, cost or expense caused deliberately or accidentally by:
I. the use of or inability to use any application, software, or programme;
II. any computer virus;
III. any computer related hoax relating to (a)(i) and/or (a)(ii) above.
However, where:
• a fire or explosion occurs as a result of (a)(i) or (a)(ii) above;
• an escape of water occurs as a result of (a)(i) or (a)(ii) above; or
• a theft or attempted theft immediately follows (a)(i) or (a)(ii) above;
and that fire, explosion, escape of water, theft or attempted theft would otherwise be covered under this contract, we will still cover physical loss or damage resulting from that fire, explosion, escape of water, theft or attempted theft.
(b) Electronic Data
loss of or damage to any electronic data (for example files or images) wherever it is stored.
1.5 Communicable Disease Exclusion
Notwithstanding any other provision of this document of insurance to the contrary, this insurance does not insure any loss, damage, claim, cost, expense or other sum, directly or indirectly arising out of, attributable to, or occurring concurrently or in any sequence with a communicable disease or the fear or threat (whether actual or perceived) of a communicable disease.
2. NON-DISCLOSURE
2.1 Acts of non-disclosure committed from 1 January 2006
If the Policyholder or any person (or firm) insured hereunder shall have made upon conclusion of this insurance a false declaration of a material fact which he knew or ought to have known and about which he has been asked in writing or in another form enabling proof by text, or if he omitted to declare such fact, the insurers shall in accordance with Article 6 of the Federal Law concerning the Insurance Contract be entitled to cancel the contract by a written declaration or in another form enabling proof by text within four weeks of such false declaration or omission coming to their knowledge.
The insurers shall in such event be freed also from all duty to indemnify losses already incurred whose occurrence or scope has been influenced by the omission to declare or the false declaration of the material fact. Insofar as the insurers may have already indemnified a loss or losses they shall be entitled to reimbursement.
Also following the conclusion or renewal of this insurance, the insurers shall be entitled to cancel this contract during all subsequent renewal periods, if the Policyholder or Beneficiary falsely declared or omitted to declare such information to the insurers
2.2 Acts of non-disclosure committed up to 31 December 2005
Acts of non-disclosure, which were committed up to 31 December 2005 but which were only discovered from 1 January 2006 are to be judged in accordance with Article 6 of the Federal Law concerning the Insurance Contract in its previous version, which was valid until 31 December 2005.
3. OBLIGATION IN CASE OF LOSS OR DAMAGE
The Insured shall in the event of loss and as a condition precedent to any rights or claims under this contract report to the Insurers without delay the occurrence of the loss and shall give the Insurers all information, proof and evidence in respect of the loss as the Insurers may reasonably require from them and as may be in their power. The insurance contract may provide for a specific time limit for the submission of the notice of loss.
4. FRAUDULENT CLAIMS
If the Insured makes any claim knowing the same to be false or fraudulent as regards the amount or otherwise, the Insurers shall be released from all liability in respect of all claims made under this insurance by that claimant.
5. NOTICE
All notices which may be required to be sent by the Insured to the Insurers shall be served in writing or in another form that allows proof by text on the address contained herein, or subsequently brought in writing or in another form that allows proof by text to the attention of the Insured, or at the seat of administration for the entire Swiss business. All notices addressed by the Insurers to the Insured shall be served on the address last communicated to the Insurers.
6. DUE DATE AND PAYMENT OF CLAIMS
Claims shall become due for payment four weeks after the Insurers have received the information concerning the loss and have been able to satisfy themselves as to the correctness of the claim (Article 41 of the Federal Law concerning the Insurance Contract). Claims shall be paid at the Swiss domicile of the Insured or of the Policyholder.
7. SANCTIONS
Insurers shall not provide any benefit under this contract of insurance to the extent of providing cover, payment of any claim or the provision of any benefit where doing so would breach any sanction, prohibition or restriction imposed by law or regulation.
8. LITIGATION
Legal actions for the full claim may be directed against the Underwriters subscribing to this insurance. The defendant Underwriters have therein to be named "Lloyd's Underwriters, London, subscribing to the policy no. or the Unique Market Reference mentioned in the schedule represented by their General Representative for Switzerland."
9. COMPLAINTS
Our aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with the highest standard of service.
If you have any questions or concerns about your policy or the handling of a claim you should, in the first instance, contact your broker. Please quote your policy number and/or claims reference number in all correspondence to enable the matter to be dealt with promptly.
If you remain dissatisfied, you can refer the matter to Lloyd’s General Representative for
Switzerland. The contact details are:
Xxxxxx Xxxx, Xxxxx’x General Representative for Switzerland
Xxxxxxxxxxxxxx 0, 0000 Xxxxxx, Xxxxxxxxxxx
Tel: x00 (0)00 000 00 00 Fax: x00 (0)00 000 00 00 E-mail: xxxxxx.xxxx@xxxxxx.xxx
Should you remain dissatisfied with the final response from the above or if you have not received a final response within eight weeks of the complaint being made, you may be eligible to refer your complaint to the Ombudsman of Private Insurance. The contact details are as follows:
Head office and office for German speakers:
Ombudsman of Private Insurance, In Xxxxxx 14, Postfach 181, 8024 Zurich, Switzerland
Tel.: x00 (0)00 000 00 00 Fax: x00 (0)00 000 00 00 E-mail: xxxx@xxxxxxxxxxxxxxxxxxxxxx.xx
Branch office for French speakers:
Ombudsman of Private Insurance
Chemin des Trois-Rois 2, Case postale 0000, 0000 Xxxxxxxx, Xxxxxxxxxxx
Tel: 000 000 00 00 Fax: 000 000 00 00 E-mail: xxxx@xxxxxxxxx-xxxxxxxxx.xx
Branch office for Italian speakers:
Ombudsman of Private Insurance
Xxx Xxxxxx Xxxxxxxxx 0, Xxxxxxx xxxxxxx,0000 Xxxxxx, Xxxxxxxxxxx Tel: 000 000 00 00 Fax: 000 000 00 00
E-mail: xxxx@xxxxxxxxx-xxxxxxxxxxxxx.xx
The complaints handling arrangements above are without prejudice to your rights in law.
10. JURISDICTION
In the event of any litigation, the Underwriters shall accept the jurisdiction of the court at their seat of administration for the entire Swiss business, Xxxxxxxxxxxxxx 0, 0000 Xxxxxx, or at the Swiss domicile of the Insured. Lloyd's Underwriters' General Representative for Switzerland shall be authorised to represent all the undersigned Insurers in any litigation with the right for substitution in legal proceedings.
11. CHOICE OF LAW
This policy shall be governed by the Swiss Federal Law concerning the Insurance Contract of 2nd April 1908.
LLOYD'S UNDERWRITERS
GENERAL CONDITIONS OF INSURANCE (AVB) FOR ALL RISKS INSURANCE
As used herein, reference to persons in the masculine gender shall, for reasons of improved readability, also be deemed to apply to persons of the feminine gender.
1 SCOPE OF THE INSURANCE
1.1. The items described in the policy or certificate schedule are insured for the insurance period specified therein and up to the amount of the sums insured indicated therein, against loss or damage from any cause, subject to the exclusions listed below. The insurance is valid in Switzerland and in the principality of Liechtenstein, equally whilst travelling and when staying temporarily within the territorial limits specified in the schedule.
1.2. If individual sums insured are specified for articles individually named in the schedule or in one of the lists attached to the policy/certificate, then these shall be deemed, pursuant to Art. 65 of the Insur- ance Contract Act (VVG), to be agreed values.
1.3. Should any sum insured as stated in the schedule for articles which are not individually named fail to be, at the time of a claim, sufficient to cover the replacement value of all these articles (under- insurance), then pursuant to Art. 69 of the Insur- ance Contract Act, the rightful claimant shall only be reimbursed for the claim in proportion to the ra- tio which exists between the sum insured and the indicated replacement value of all of these articles.
1.4. In case of loss or damage to the personal effects specified in the schedule away from the private house or apartment of the policyholder however, the value of his personal effects which were locat- ed in the house or in the apartment at the time of the claim will not be taken into account for the pur- poses of ascertaining any under-insurance.
1.5. If insured articles consist of a pair or of a unit made up of parts, then the insurance shall only cover the value of the parts affected by a loss, ir- respective of the special value which such articles might have as part of a pair or unit and only up to the pro rata amount of the insurance value of the corresponding pair or unit.
1.6. It is an indemnity insurance in accordance with the Federal Law on Insurance Contract.
2 INSURANCE SHALL NOT BE AFFORDED FOR
2.1 In general
1 Loss and damage caused by mites or pests of any kind or gradual deterioration.
2 Loss and damage caused by use and wear and tear or as the result of electrical or mechanical breakdown; loss or damage resulting from the use, wear and tear or mechanical breakdown of a clip, bezel or other attachment, or of a strap or case, is not excluded.
3 Damage or deterioration of an item directly caused by dye or dyeing, cleaning, repairs or ren- ovation.
4 Loss of cash, coins and bank notes.
5 Loss and damage of any kind, where the poli- cyholder refuses, upon request of the insurers, to notify the police immediately of this and to request an official inquiry.
6 Loss or damage which arises when the insured items have been handed over to a third party for transport or when moving home.
7 Loss or damage caused by climatic or atmos- pheric effects or by extreme temperatures, unless the claim concerned is to be covered in the same way as a normal fire risk.
2.2. Additionally, in the case of jewellery and watches
1 Loss of or damage to jewellery or watches whilst they are on the premises of hotels or motels, unless the aforesaid items are either worn by the policyholder or kept in the locked main hotel or motel safe.
2 Glass breakage, over winding or denting of or internal damage to watches and clocks of all kinds.
3 Loss of jewellery from the policyholder's lug- gage, unless this is carried by hand by the policy- holder and is under his personal supervision.
2.3. Additionally in the case of musical instruments
1 Theft and loss from road vehicles of all kinds which either belong to the insured or are in his custody or that of his employees, agents or repre- sentatives, where such vehicles are not kept in a garage and monitored.
2 Damage consisting in the breakage of strings and drumheads and in the breakage of pipes.
To the extent that this is stated in the policy or cer- tificate schedule and in return for the payment of an additional premium, the following shall apply:
Musical instruments which are left in locked vehi- cles are deemed to be insured. In the case of ve- hicles with a separate boot, the insured item must be put in the separate boot. In the case of "combi- nation vehicles", it must where possible be stowed away in such a way that it is not visible.
3 GENERAL PROVISIONS
3.1. Inception and term of the insurance
1 The inception and expiry date are as stated in the policy or certificate.
2 If the contract is not cancelled 3 months before expiry, it shall be tacitly renewed for a further year.
3 If the contract was concluded for a period of less than 12 months or for one year, the insurance shall lapse on the stated date.
3.2. Moving home
The policyholder is obliged to notify the insurers within 30 days of the fact that he is moving home. The insurers are entitled to adjust the premium to reflect the new circumstances.
3.3 Change to the risk
1 If as the result of the change in relevant facts relating to the risks during the course of the insur- ance there is an increase in the risk, then the in- surers must be informed of this immediately.
2 If there is a substantial increase in the risk and the policyholder has contributed to this, the insur- ers shall be exempted thereafter from their obliga- tion to indemnify (Art. 28 par. 1 VVG). They may moreover on learning of the increase in the risk cancel the contract with immediate effect.
3 If there is a substantial increase in the risk which the policyholder has not contributed to, the insurers shall still be exempted from their obliga- tion to indemnify and may moreover cancel the contract with immediate effect if the policyholder has failed to notify the insurers immediately of the increase in the risk which he is aware of. The in- surers may cancel the contract on account of an increase in the risk, even if the policyholder has not breached this obligation to disclose. In this case the insurers' liability shall cease once a peri- od of 14 days has expired after the date on which they gave the policyholder notice of cancellation.
4 In the event of a significant reduction of risk, the policyholder is entitled to cancel the contract with four weeks' notice or to demand a premium reduction.
5 If the contract is subject to premature cancella- tion as the result of an increase in the risk or if it is continued in case of a reduced risk, then the por- tion of premium relating to the period of unexpired risk will be reimbursed proportionally.
3.4 Change of ownership
1 If the insured interest changes owner, the rights and obligations arising under the contract shall be transferred to the new owner.
2 The new owner can decline the transfer of the contract within 30 days of the change in owner- ship.
3 The insurer can cancel the contract within 14 days of having become aware of the identity of the new owner. The contract will terminate at the ear- liest 30 days after its cancellation.
3.5 Obligations in the event of a claim
The policyholder is under the following obligations and, in case of the inexcusable breach of these obligations; he shall have no claim to reimburse- ment:
1 to provide the insurers with immediate notifica- tion of any claim;
2 to provide the insurers with full information on the cause, amount and particulars of the claim, permit them to make any investigation which might prove to be useful, and to issue the authorisations required for this, and to cooperate with them and with the police;
3 to take all possible measures to minimise the loss or damage and recover the insured items, and to follow the instructions given by the insurers to this effect;
4 not to remove any traces or tracks, where this might render difficult the identification of the cause of the loss or damage and the determination of the amount of the claim;
5 theft or robbery must, in addition to the notifica- tion of the claim, be reported to the police immedi- ately and the insurers must be immediately in-
formed if missing items are recovered or if infor- mation is received on their whereabouts.
3.6 Fraudulent claims
If the policyholder or rightful claimant makes a claim for indemnity knowing that the claim is, either with regard to the amount of the claim or in some other way, false or fraudulent, then the insurers shall be exempted from any further obligation to indemnify the rightful claimant under this insur- ance.
3.7 Payment of the indemnity
1 In case of a loss, the insurers shall be entitled at their option to either reimburse lost articles in full or in part or to pay a cash indemnity for this that does not exceed the corresponding sum insured.
2 The place of performance is deemed to be the place of residence of the policyholder or rightful claimant. Claims shall fall due for payment 4 weeks after the insurers have received information based on which they were able to convince them- selves of the validity of the claim (pursuant to Arti- cle 41 of the VVG).
3 The due date for the payment of indemnities shall notably not come about for as long as
- There are doubts concerning the entitlement of the rightful claimant to receive the payment;
- A police or criminal investigation is being conduct- ed into the claim and the proceedings against the policyholder or rightful claimant have not been brought to a conclusion.
4 Should the policyholder subsequently recover items for which he has received an indemnity, then he must at his option pay back the indemnity, after deducting any loss of value, or hand over the re- covered article to the insurers.
3.8 Notice of cancellation in the event of a claim
- Either party may cancel the contract following the occurrence of an indemnifiable claim.
- The insurers must give notice of cancellation no later than the date of payment of the indemnity; li- ability shall cease once 14 days have expired fol- lowing receipt by the policyholder of the notice of cancellation. The policyholder will be refunded with the portion of premium relating to the period of un- expired risk.
- The policyholder must give notice of cancellation no later than 14 days after he has learned of the fact that indemnity will be paid; liability shall cease on receipt of the notice of cancellation. In the case of a total loss the insurers shall be entitled to retain the premium. In the case of a partial loss, the poli- cyholder will be refunded with the portion of premi- um relating to the period of unexpired risk, provid- ed the policy was in force for at least one year.
3.9 Change to the premium rates
If there is a change to the premiums or to the rules governing excesses, we may demand the adapta- tion of the contract. We shall inform you of the change no later than 25 days before the expiry of the insurance year. If you do not agree to the change, then you may cancel either the part of the contract affected by this or the entire contract.
Your cancellation shall take effect on condition that it is received no later than the final day of the in- surance year.
3.10 Statute of limitations/forfeiture
Claims arising under the insurance shall be time- barred 5 years after the occurrence of the fact
which accounts for the obligation to indemnify. Claims for indemnity which are refused and which are not judicially enforced within 5 years of the oc- xxxxxxxx of the claim shall lapse.
3.11 Breach of regulations, duties, and obligations
The insurer shall be entitled to reduce the indemni- ty by the amount by which the occurrence and ex- tent of the loss or damage was influenced by the negligent breach of:
- Obligations of diligence;
- Contractual or statutory provisions;
- Obligations.
3.12 Other provisions
The General Conditions within the Precontractual Information shall apply in addition to these condi- tions.
alle CGA / on wordings
1. Validità dell’assicurazione / Insurance validity
L’assicurazione è valida nei luoghi indicati in polizza (Svizzera o stati dello SEE) con estensione mondiale.
The insurance is valid at the locations indicated in the policy (Switzerland or EEA states) with a worldwide scope.
2. Xxxxxx assicurati / Insured risks
A completamento delle condizioni contrattuali AFB CH2 2.2.2, viene qui accordato che gli orologi sono addizionalmente coperti per danni accidentali ma non per rottura elettrica o meccanica che sarebbe oggetto di una garanzia. Questa copertura addizionale è soggetta a una franchigia del 10% e al minimo CHF 200.- per ciascun sinistro.
To complement the existing contractual wording AFB CH2 2.2.2, it is hereby noted and agreed that watches are additionally covered for accidental damage but not for any electrical or mechanical breakdown that would be subject to a warranty. This additional coverage is subject to a 10% deductible with a minimum of CHF 200 for each and every loss.
Clausola di manutenzione sulla protezione (modificata)
Protection Maintenance Clause (amended)
Si concorda che tutte le protezioni previste per la sicurezza della proprietà assicurata devono essere mantenute in buon ordine in tutta la durata della presente Polizza e devono essere utilizzate quando i locali dell'Assicurato sono lasciati incustoditi e che tali protezioni non devono essere ritirate o modificate a scapito degli interessi degli Assicuratori senza il loro consenso.
Clausola di manutenzione degli allarmi
È una condizione precedente alla responsabilità degli Assicuratori in virtù di questa Assicurazione che:
a) Tutte le serrature x x xxxxxxxxx devono essere stati posti in pieno ed efficace funzionamento in ogni momento in cui i locali dell'Assicurato non sono occupati e in tutti gli altri momenti appropriati.
It is agreed that the whole of the protections provided for the safety of the insured property shall be maintained in good order throughout the currency of this Policy and shall be in use when the Assured's premises are left unattended and that such protections shall not be withdrawn or varied to the detriment of the interests of the Underwriters without their consent.
Alarm Maintenance Clause
It is a condition precedent to the liability of the Underwriters under this Insurance that:
a) All locks and padlocks shall have been put into full and effective operation at all times when the Assured’s premises are unoccupied and at all other appropriate times.
NMA 788 – 3/12/53
Your personal information notice
Who we are - We are the Lloyd's underwriter(s) identified in the contract of insurance and/or in the certificate of insurance.
The basics - We collect and use relevant information about you to provide you with your insurance cover or the insurance cover that benefits you and to meet our legal obligations.
This information includes details such as your name, address and contact details and any other information that we collect about you in connection with the insurance cover from which you benefit. This information may include more sensitive details such as information about your health and any criminal convictions you may have.
In certain circumstances, we may need your consent to process certain categories of information about you (including sensitive details such as information about your health and any criminal convictions you may have). Where we need your consent, we will ask you for it separately. You do not have to give your consent and you may withdraw your consent at any time. However, if you do not give your consent, or you withdraw your consent, this may affect our ability to provide the insurance cover from which you benefit and may prevent us from providing cover for you or handling your claims.
The way insurance works means that your information may be shared with, and used by, a number of third parties in the insurance sector for example, insurers, agents or brokers, reinsurers, loss adjusters, sub- contractors, regulators, law enforcement agencies, fraud and crime prevention and detection agencies and compulsory insurance databases. We will only disclose your
personal information in connection with the insurance cover that we provide and to the extent required or permitted by law.
Other people's details you provide to us - Where you provide us or your agent or broker with details about other people, you must provide this notice to them.
Want more details? - For more information about how we use your personal information please see our full privacy notice(s), which is/are available online on our website(s) or in other formats on request.
Contacting us and your rights - You have rights in relation to the information we hold about you, including the right to access your information. If you wish to exercise your rights, discuss how we use your information or request a copy of our full privacy notice(s), please contact us, the agent or broker that arranged your insurance. And will provide you with our contacts:
RVA Associati SA
Via Xxxxxx 1A, CP 1829 CH-6901 Lugano
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