<p>In consideration of the payment by the Insured to the Company of an additional premium (included in the Bill) it is hereby declared and agreed that this policy shall also cover loss or damage to the insured property as a result of robbery (*) or any attempt or frustration thereat, excluding however, any loss or damage caused by dishonest, fraudulent, or criminal act or omission on the part of the Insured, or other parties in interest, his/her/their employees, agents, or authorized representative or others to whom the Insured property may be left or in whose care, custody or control said property is entrusted.</p>

<p>PROVIDED ALWAYS, that all conditions of this Policy (including warranties, clauses and/or endorsements thereto), shall also apply to the herein risk (except only in so far as said condition or conditions may have been expressly waived or excluded hereunder), and that any reference in the Policy to loss or damage by fire shall be deemed to apply to loss or damage directly caused by robbery.</p>

<p>This endorsement shall not extend to nor cover:-</p>

<p>Loss or damage due to any robbery, burglary or theft or to any attempt threat by or in collusion with and or the Insured family business staff or domestic servants.</p>

<p>Losses due to theft or mysterious &amp; unexplained disappearance.</p>

<p>Loss or damage by any person due to robbery/burglary not following upon violent and forcible entry or exit from the Premises occupied by the Insured as defined above.</p>

<p>Loss or damage arising from any consequences of Flood, Typhoon, Hurricane,&nbsp; Windstorm, Volcanic Eruption, Subterranean Fire, Earthquake, or other Convulsion of Nature, War, Invasion, Act of foreign Enemy, Hostilities (whether&nbsp; war be declared or not), Civil War, Rebellion, ,Mutiny, Revolution, Insurrection or Military or Usurped Power, riot or Strike, Military of&nbsp; Popular&nbsp; Rising, or looting, Sacking, or&nbsp; Pillage in connection therewith, radioactivity, atomic, fission, or atomic fusion whether controlled or otherwise or nuclear incident.</p>

<p>Loss or damage upon the occasion of or consequent upon the fire or explosion or loss or damage which can be insured against by a fire or plate glass insurance policy.</p>

<p>Loss or damage to deeds, bonds, bills of exchange, promissory notes, money or securities for money, stamps, stamps or coin collection, plans, patterns, models, molds, designs, documents, or business books or manuscripts, unless the same specifically insured hereunder.</p>

<p>The insured upon knowledge of any loss or damage recoverable under this clause shall give immediately a detailed report of said loss or damage to the Company and to the Police having jurisdiction, as a condition precedent for indemnification by the Company.</p>

<p>In the event of loss or damage for which claim is made under this endorsement, the Insured shall, at the request and expense of the Company take legal action to secure the arrest and prosecution of the offenders and the recovery of the property.</p>

<p>It is further understood and agreed that the thing (**) containing the insured property shall not be left without any lawful occupant for more than a continuous period of seven (7) days. Breach of this condition shall render this Policy null and void and the Company shall in no case whatsoever be liable for any loss or damage which may occur after the expiration of said period.</p>

<p>The company shall at any time by giving notice in&nbsp; writing to the Insured by registered letter at&nbsp; his address as last known to the company be at liberty to determine and cancel this endorsement as from the date of such notice provided that the company shall in that event return to the Insured a proportionate part of the premium corresponding to the unexpired term of the Policy, by like notice to the Company , the Insured may at any time similarly determine and cancel this endorsement in which case the Company will retain the customary short period rate to the time this endorsement has been force.</p>

<p>(*) ROBBERY -&nbsp;shall mean robbery as defined below in Article 293 of the Revised Penal Code of&nbsp; the&nbsp;Philippines</p>

<p>Act No. 3815 - any person who, with intent to gain, shall take any personal property belonging to&nbsp;another, by means of violence against or intimidation of any person, or using force upon&nbsp;anything shall be guilty of robbery.</p>

<p>(**) THING - shall include building, apartment, office, room etc.</p>

<p><strong>Limits:&nbsp;<br />
Deductible:</strong></p>
