<p>Notwithstanding anything stated to the contrary, this policy is extended to include loss or damage proximately caused by earthquake, hurricane/typhoon, flood, and volcanic eruption, subject to the deductible schedule below:</p>

<p>It is a condition precedent to any liability of the Company to make any payment under this policy that the Insured undertakes to exercise all ordinary and reasonable precautions for the maintenance and safety of the vehicle insured.</p>

<p><strong>Earthquake</strong></p>

<p>All losses caused by earthquake or series of earthquakes (whether continuous or sporadic and whether or not due to the same seismic conditions) during each period of 72 consecutive hours commencing from the first tremor shall be considered as arising out of one occurrence.</p>

<p>No consequential loss or damage of any kind or description nor any loss or damage caused by confiscation or willful destruction by Government or any Municipal Authority is covered.</p>

<p><strong>Typhoon/Hurricane</strong></p>

<p>The term &ldquo;Typhoon&rdquo; as used in this endorsement shall be understood to mean a Typhoon or Storm as recorded by the Weather Bureau.</p>

<p>The company shall not be liable for:</p>

<ol start="1" style="list-style-type: lower-alpha;">
	<li>Loss or damage caused directly or indirectly by flood, tidal wave, high water or overflow whether driven by wind or not.&nbsp; The Company shall not be liable for loss and/or damage caused directly or indirectly by backing up of sewers, drains, canals, creeks, rivers and/or storm drainage system.</li>
	<li>Loss or damage caused directly or indirectly by landslides, subsidence, cloudburst or explosion, whether incidental to typhoon by Theft whether occurring during or after a Typhoon or by the neglect of the insured to use all reasonable means to save and preserve the property during and after typhoon.</li>
	<li>Loss or damage caused by rain whether driven by wind or not, unless the vehicle insured shall first sustain an actual damage to the vehicle by the direct force of a Typhoon and shall then be liable for such loss or damage to the vehicle therein as maybe caused by rain entering the vehicle through openings made by direct action of such Typhoon.</li>
	<li>Water damage as a result of doors, windows, or other vehicle openings being left open, notwithstanding the existence or presence of Typhoon.</li>
	<li>Loss or damage to any vehicle, or the contents thereof, if on the happening of such loss or damage the vehicle was already in damaged, defective, fallen or displaced condition as regards doors, windows and other vehicle openings.</li>
	<li>Loss or damage occasioned by or through or in consequence of the action or order of any government or public authority.</li>
	<li>Consequential loss or damage of any kind whatsoever.</li>
</ol>

<p><strong>Flood</strong></p>

<p>The term &ldquo;Flood&rdquo; is defined as the entry of water into the premises insured, from without, due to the inundation of land not usually covered by water;</p>

<ol start="1" style="list-style-type: lower-alpha;">
	<li>by reason of an extra ordinary high tide or</li>
	<li>following Typhoon, Cyclone, and /or Windstorm or</li>
	<li>due to the bursting or overflowing of rivers, reservoirs, canal and the like.</li>
</ol>

<p>The company shall not be liable for:</p>

<ol start="1" style="list-style-type: lower-alpha;">
	<li>Loss or damage caused directly or indirectly by landslide, subsidence, cloudburst or explosion, whether incidental to flood or not nor by theft whether occurring during or after a flood, nor by the neglect of the Insured to use all reasonable means to save and preserve the property during and after a Flood.</li>
	<li>Loss or damage caused by overflowing, bursting or leakage of water tanks, pipes and other water apparatus; loss or damage caused by overflowing of gutters and downpipes or bursting or overflowing of municipal or other public water supply mains; loss or damage due to seepage, leakage or influx of water from basement walls, including doors, windows and other opening therein, foundations, basement floors and sidewalks or water, which backs up through sewers or drains; loss or damage occasioned by high water unless directly caused by Flood as defined herein.</li>
	<li>Loss or damaged occasioned by or through or in consequence of the action or order of any government or public authority.</li>
	<li>Loss or damage to property which at the time of the happening of such loss or damage, is insured by or would, but for the existence of this policy be insured by Marine or Plate Glass Policy or</li>
	<li>Consequential loss or damage of any kind whatsoever.</li>
</ol>

<p><strong>Volcanic Eruption</strong></p>

<p>IT IS HEREBY UNDERSTOOD AND AGREED THAT in consideration of the payment by the insured to the Company of an additional premium the Company agrees, notwithstanding what is stated in the printed conditions of this Policy to the contrary, that this insurance covers direct loss or damage (including loss or damage by fire) to any of the property insured by this Policy occasioned by volcanic eruption reported and recorded by the Philippine Institute of Volcanology and Seismology.</p>

<p>DEFINITION:</p>

<p>Volcanic eruption shall mean the process wherein molten rock materials (collectively called as magma or lava) are emitted or ejected in the form of flowing masses (lava flows and pyroclastic flows), discrete particles (volcanic ash and pyroclastic and steam (water vapor and gases) from a crater, vent or fissure.</p>

<p>Provided always that all the conditions of this Policy shall apply (except in so far as they may be hereby expressly varied) and that any reference therein to loss or damage should be deemed to apply also to loss or damage occasioned by volcanic eruption.</p>

<p>The company shall not be liable for:</p>

<p>Any consequential loss or damage of any kind or description nor any loss or damage caused by confiscation or willful destruction by Government or any Municipal or Local Authority is covered.</p>

<p>All losses caused by volcanic eruption or series of volcanic eruptions (whether continuous or sporadic and whether or not due to the same seismic conditions) during each period of 72 consecutive hours commencing from the first recorded volcanic eruption shall be considered as arising out of one occurrence.</p>

<p>In case of other insurances on the same item of property, this clause shall apply only once regardless of the number of policies or insurers.</p>

<p>In the event of this Policy being surrendered by the Insured for cancellation, the company shall retain 100% of the premium notwithstanding what is stated in Condition No. 7 of this Policy to the contrary.</p>

<p>EXCEPT AS VARIED BY THIS ENDORSEMENT, all other terms and conditions remain the same.</p>
