COPY OF CERTIFICATE WORDING

Arranged with certain Underwriters at Lloyd's by T H March & Co Limited Insurance Brokers

COVER PROVIDED

We agree to REPAIR if accidentally damaged, or REPLACE if lost, stolen or damaged beyond repair the items described overleaf whilst anywhere within the geographical limits stated below.

This certificate does not entitle the holder to a cash settlement in the event of a claim.

GEOGRAPHICAL LIMITS

Anywhere in the United Kingdom (including the Isle of Man and the Channel Islands) plus up to 30 consecutive days elsewhere.

EXCLUSIONS

• Any loss, theft or damage occuring prior to the receipt of the insured items by the assured.
• Any watch with an individual value exceeding £5,000 or any collection of watches in excess of £5,000 in any one household.
• Any Assured not resident in the United Kingdom
• Any item composed entirely of brittle material.
• Any losses whatsoever from baggage UNLESS carried by hand under the personal supervision of the purchaser or the Assured.
• Any item stolen from an unattended vehicle.
• Any loss attributable to the actions of mechanical or electrical breakdown or derangement (in the case of a watch or a clock), moth, vermin, gradual deterioration, wear and tear, or the process of cleaning, repair or renovation.
• Any loss or expense whatsoever arising from consequential loss.
• Any loss or legal liability whatsoever arising directly or indirectly from:
• ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
• Any loss or damage arising from war, invasion, act of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.

GENERAL CONDITIONS

All repairs and replacements must be effected by Watchfinder.

The maximum payment made will not exceed the replacement value shown for an item overleaf.

All reasonable steps must be taken to prevent loss or damage and maintain the items in good condition.

Underwriters may cancel this certificate by giving thirty (30) days notice of such cancellation in writing to the Assured at his/her last known address and the premium will be adjusted on the basis of

Underwriters receiving or retaining the appropriate pro rata premium. Unless specifically agreed in writing by Underwriters this insurance shall be subject to English Law.

GENERAL CLAIMS CONDITIONS

It is a condition of this insurance that the Assured shall: -

• Notify the Watchfinder within thirty (30) days of the date of any loss or damage which may lead to a claim being made.
• Notify the police immediately if any of the items are lost or stolen.
• Provide Watchfinder or any person appointed by Underwriters with any information, documentation, or evidence of a loss they might reasonably require to consider a claim.
• There is no liability under this certificate where the Assured is entitled to indemnity under any other insurance except in respect of any excess beyond the amount which would have been covered under such other insurance had this insurance not been effected.
• If the Assured makes any claim knowing it to be false or fraudulent in respect of any loss or the amount involved, this insurance will be declared void and all claims made under it will be forfeited.
• In the event of a difference arising between the Assured and Underwriters which cannot be settled by mutual agreement, this will be settled by arbitration. Three arbitrators will be appointed, one by the Assured, one by underwriters and the third to be chosen by the other two. The arbitrators shall decide by majority decision and there will be no appeal against their decision by either party. The responsibility for payment of the arbitrator's expenses shall be decided by the arbitrators.

CLAIMS PROCEDURE

Should you need to make a claim under this certificate simply contact Watchfinder to notify the loss at your earliest opportunity and within 30 days in any event. In addition you should always notify the police, even when abroad, of any loss caused by theft or the disappearance of an item and obtain a report crime number, which will, without exception, be required by your Underwriters.

Watchfinder will ask you to complete a simple claim form giving details of the circumstances of the loss. Your claim will be passed on to your Underwriters as speedily and fairly as possible.

In an insured loss has taken place settlement is agreed by underwriters and your Jeweller will either replace a lost item from stock or arrange for a damaged item to be repaired and the invoice for repair/replacement will be sent to T H March for settlement direct with Watchfinder.

If you are unhappy with the way your claim is being handled you should follow the procedure shown overleaf to make your complaint.