<p>It is agreed and understood that this insurance is extended to cover loss or damage due to civil commotion which for the purpose of this Memorandum shall mean (subject always to the Special Conditions hereinafter contained) loss or damage to the Insured Property directly caused by:</p>

<p>- the act of any person taking part together with others in any disturbances of the public peace not being an occurrence that assumes the proportion of or amounts to a popular rising, military rising, mutiny, insurrection, rebellion, revolution, military or usurped power;</p>

<p>- the action of any lawfully constituted authority in suppressing or attempting to suppress any such disturbance or in minimizing the consequences of any such disturbance; and</p>

<p>- the action of any lawfully constituted authority in preventing or attempting to prevent any such act or in minimizing the consequences of any such act.</p>

<p>Provided that it is hereby further expressly agreed and declared that:<br />
<br />
This Extension shall, if indemnity is provided under separate and more specific insurance arranged by the Insured on the Insured Property for loss or damage due to perils of Civil Commotion as described above, only apply in excess of the indemnity under the separate and more specific insurance. &nbsp;In such circumstances, the Retained Liability hereon shall be deemed to be non-applicable to the extension of cover by this Extension;<br />
<br />
All the terms, exclusions, provisions and conditions of the Policy shall apply in all respects to the insurance granted by this Extension save in so far as the same is expressly varied by the following Special Conditions and any reference to loss or damage in the wordings of the Policy shall be deemed to include the perils hereby against; and<br />
<br />
The following Special Conditions shall apply only to the insurance granted by this Extension and the wordings of the Policy shall apply in all respects to the insurance granted by the policy as if this Extension had not been made thereon.</p>

<p>SPECIAL CONDITIONS</p>

<p>This Extension does not cover:</p>

<p>a)loss or damage occasioned by permanent or temporary dispossession resulting from confiscation, commandeering or requisition by any lawfully constituted authority;</p>

<p>b)loss or damage occasioned by permanent or temporary dispossession of any building resulting from the unlawful occupation by any person of such building.</p>

<p>Provided however that the insurer is not relieved under a) or b) above of any liability to the Insured in respect of physical damage to the Insured Property occurring before dispossession or during temporary dispossession.</p>

<p>In any such action, suit or other proceeding, where the insurer allege that by reason of the Provisions of this Condition any loss or damage is not covered by this Extension, the burden of proving that such loss or damage is covered shall be upon the Insured.</p>
