The below new wording is applied to all Material Damage policies where the premises will be temporarily closed due to COVID19 and not a permanent closure of the premises
Damage caused by theft, attempted theft or malicious persons is excluded in respect of any Premises or part of a Premises that remains unoccupied after 90 days.
UNOCCUPIED PREMISES CONDITION (COVID-19)
In respect of any Premises or part of a Premises that has become temporarily unoccupied as a result of COVID-19 it is a condition precedent to Our liability that You must comply with the following
(a) for the period 1st October to 1st March the water supply must be turned off at the main and the water installation fully drained down unless
(i) the Premises has low pressure hot water heating systems which are to remain on and
(ii) the mains services to the heating installation(s) are maintained in good condition and boilers are regularly serviced
(b) all combustible waste to be removed from the Premises
(c) the Premises to be made secure to prevent unauthorised entry
(d) any fire or theft protection/detection equipment to be maintained in efficient working order
(e) the Premises to be visited at least once a week by a responsible adult and a thorough inspection carried out with a written record of visits maintained other than where government measures prevent such visits
We will not pay in respect of Damage caused by renovation or building work.
Damage caused by theft, attempted theft or malicious persons is excluded in respect of any Premises or part of a Premises that remains unoccupied after 90 days.”
