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<p>It is hereby declared and agreed that the insurance under this policy extends to cover loss or damage as the result of Burglary &amp;/or Robbery as defined herein:-<br />
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BURGLARY as herein used shall mean the felonious abstraction of the Insured&#39;s property following upon violent and forcible entry or followed by violent and forcible exit from the premises or any attempt there at:<br />
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ROBBERY herein used shall mean an act by any person who, with intent to gain, takes any personal property hereby Insured, by means of violence against or intimidation of any person, using forced upon things and subject to the following conditions:<br />
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1. &nbsp;All sums which may from time to time be paid as or by way of compensation for loss or damage under this endorsement in any one year of insurance for or in respect of each or any one description of property or any one specially described and valued article lost or damaged shall unless reinstated by endorsement with the consent of the company and additional premium paid be accounted in diminution of the sum insured thereon, so that in case of subsequent loss or damage during the same year or insurance the amount payable by the company shall not in any event exceed the sum insured in respect thereof nor altogether the total sum insured by this endorsement.<br />
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2. &nbsp;This endorsement shall not extend to nor cover:<br />
&nbsp; &nbsp; &nbsp;A. &nbsp;Loss or damage due to any robbery or theft or to any attempt thereat by or in collusion with any of the insured&#39;s family business staff or domestic servants or any person lawfully on the premises.<br />
&nbsp; &nbsp; &nbsp;B. &nbsp;Loss or damage by any person, due to theft not following upon violent and forcible entry nor followed by violent and forcible exit from the premises occupied by the insured defined above.<br />
&nbsp; &nbsp; &nbsp;C. &nbsp;Loss or damage arising from any consequence of flood, typhoon, hurricane, windstorm, volcanic eruption, subterranean fire, earthquake or other convulsion of nature, war invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, mutiny, revolution, insurrection or military or unsurped power, riots or strikes, military or popular rising, or loot, sack or pillage in connection therewith.<br />
&nbsp; &nbsp; &nbsp;D. &nbsp;Loss or damage upon the occasion of or consequent upon fire or explosion or loss or damage which can be insured against by a fire or plate glass insurance policy.<br />
&nbsp; &nbsp; &nbsp;E. &nbsp;Loss or damage to deeds, bonds, bills or exchange, promissory notes, money or securities for money, stamps or coin collections, plans patterns, models, moulds, designs, documents of title to property, contracts or other documents books or manuscripts unless the same be specifically insured hereunder.<br />
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3. &nbsp;This documents shall cease to be in force if the premises referred to in the schedule of this policy be left uninhabited by days and nights or for a period or periods exceeding in the whole ten days or nights in any period of insurance.<br />
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4. &nbsp;Upon the happening of any event giving rise or likely to give rise to a claim under this endorsement.<br />
&nbsp; &nbsp; &nbsp; A. &nbsp;The insured shall so soon as is practicable give notice thereof in writing to the company stating the circumstances of the case and shall within fourteen days after loss or damage shall have come to his knowledge or within such further time as the company may allow in that behalf deliver to the company a claim in writing with an estimate of the intrinsic value of each article lost and the amount of damage sustained.&nbsp;<br />
&nbsp; &nbsp; &nbsp; B. &nbsp;The insured shall furnish to the company all such particulars and evidence documentary or otherwise and execute and do all such acts and things as the company may reasonably require to substantiate the claim to discover and punish the guilty person to trace and recover the property lost and to recoup to the company so far as may be possible in respect of any amount the policy shall pay under this endorsement. The company shall bear the expense of all such particular evidence, acts and things as they may require with the above object or any of such particular evidence, acts and things as they may require with the above objects or any of them other than those required to substantiate the claim.<br />
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5. &nbsp;The company may reinstate, repair or replace the property or premises lost or damaged as the case maybe instead paying the amount of the loss or damage and/or join with any other insurers in so doing in cases where the property is also insured elsewhere. &nbsp;Any lost property paid for under this endorsement shall belong to the company.<br />
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6. &nbsp;If at the time of the happening of any loss or damage covered under this endorsement there shall be subsisting any other insurance of any nature whatsoever covering the same whether effected by the insured or not, then the company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. &nbsp; &nbsp; &nbsp;<br />
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7. &nbsp;Nothing contained herein shall give any right against the company to any persons other than the insured his executors or administrators and the company will not be bound by any passing of the interest of the insured otherwise than by death unless and until the company shall endorse hereon declare the insurance to be continued.<br />
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8. &nbsp;The company shall at any time by giving notice in writing to the insured by registered letter at his address as last known to the company be at liberty to determine and cancel this endorsement from the date of such notice and the company shall in that event return to the insured a proportionate part of the premium corresponding to the unexpired term of policy by like notice to the company. &nbsp;The insured may at any time determine and cancel this endorsement in which case the company will retain the customary short period rate for the time this endorsement has been in force.<br />
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9. &nbsp;If at the time of the happening of any loss or damage the total value of the property insured under this endorsement or by each item thereof if more than one does not exceed the sum insured thereon this insurance shall be declared free of average: &nbsp;but if the amount insured be less than such total value the insured be considered as being his own insurer for the difference between the sum insured and the total value of the property insured under the endorsement or by each item thereof as from the case may be and shall bear a ratable share of the loss accordingly.<br />
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10. &nbsp;If any claim be made by or on behalf of the insured shall be in any respect unfounded or fraudulent or intentionally exaggerated or if any false declaration or statement shall be made in support of any claim. &nbsp;The company shall not be liable to make any payment whatsoever under this endorsement.<br />
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11. &nbsp;The insured shall take all due precautions for the safety of the property insured as regard selection and supervision of employees securing with all existing protective devices all doors and windows and other means of entrance and otherwise and shall not do suffer or permit anything whereby the risk of the company shall be increased and this endorsement shall cease to be in force so far as regard any of the property or articles thereby insured if the insured shall make any change or alteration in the premises on the particulars and information set forth in the proposal to insure are no longer correct statements of the facts. &nbsp;</p>
