AI Transcription, Pages 1-25
B01 · header / latin
Guardian Assurance Company Limited.
THE CONDITIONS UPON WHICH THIS POLICY IS GRANTED.
B02 · paragraph / latin
1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission.
2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Insured.
3. The Insured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage, all benefit under this Policy shall be forfeited.
4. All insurance under this Policy
(1) on any building or part of any building,
(2) on any property contained in any building,
(3) on rent or other subject matter of insurance in respect of or in connection with any building or any property contained in any building,
shall cease immediately upon any fall or displacement
(a) of such building or of any part thereof,
(b) of the whole or any part of any range of buildings or of any structure of which such building forms part.
PROVIDED that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material.
AND PROVIDED that such fall or displacement is not caused by fire loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy.
In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Insured.
5. This insurance does not cover
(a) Loss by theft during or after the occurrence of a fire.
(b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f)), or by its undergoing any heating or drying process.
(c) Loss or damage occasioned by or through or in consequence of
(1) The burning of property by order of any public authority.
(2) Subterranean Fire.
6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely:—
(1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance.
(2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military naval or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege.
Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Insured shall prove that such loss or damage happened independently of the existence of such abnormal conditions.
In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured.
7. Unless otherwise expressly stated in the Policy this insurance does not cover
(a) Goods held in trust or on commission.
(b) Bullion or unset precious stones.
(c) Any curiosity or work of art for an amount exceeding £20.
(d) Manuscripts, plans, drawings, or designs, patterns, models or moulds.
(e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books.
(f) Coal, against loss or damage occasioned by its own spontaneous combustion.
(g) Explosives.
(h) Any loss or damage occasioned by or through or in consequence of explosion; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this Policy.
(i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire.
8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Insured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company.
(a) If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire.
(b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days.
(c) If property insured be removed to any building or place other than that in which it is herein stated to be insured.
(d) If the interest in the property insured pass from the Insured otherwise than by will or operation of law.
9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been effected.
10. This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the customary short period rate for the time the Policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment.
B03 · paragraph / latin
11. On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company
(a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind.
(b) particulars of all other insurances, if any.
The Insured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith.
No claim under this Policy shall be payable unless the terms of this condition have been complied with.
12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may
(a) enter and take and keep possession of the building or premises where the loss or damage has happened.
(b) take possession of or require to be delivered to it any property of the Insured in the building or on the premises at the time of the loss or damage.
(c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same.
(d) sell any such property or dispose of the same for account of whom it may concern.
The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Insured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Insured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim.
If the Insured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited.
The Insured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not.
13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under this Policy; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Insured; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited.
14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage, or may join with any other Company or Insurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum insured by the Company thereon.
If the Company so elect to reinstate or replace any property the Insured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace.
If in any case the Company shall be unable to reinstate or repair the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition.
15. The Insured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company.
16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Insured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage.
17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition.
18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained.
19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration.
20. Every notice and other communication to the Company required by these Conditions must be in written or printed.
B04 · footer / latin
U.A. 226.—9-33.
B01 · header / arabic
مع تهاني
شركة المكتب العراقي للتأمين المحدودة
( المؤسسة في العراق )
١١١/٩ شارع المستنصر رقم التلفون ٥٩٨
B02 · header / latin
With Compliments from
The Iraq Insurance Office Ltd.
(INCORPORATED IN IRAQ)
111/9 Mustansir Street, Baghdad
Phone No. 598
B01 · header / latin
Guardian Assurance Company
Limited.
B02 · form / latin
Subscribed Capital: £ 2,059,971.
Paid up Capital: £ 1,024,578.
B03 · form / latin
No.: 7613509
Established: 1821.
Agency: Iraq.
SUM INSURED: ID.1750/-.
PREMIUM: ID.3/282
From: 24th April 1939
To: 24th April 1940
B04 · paragraph / latin
This Policy of Insurance Witnesseth THAT The Jewish Lay Council, Baghdad.
(hereinafter called the Insured) having paid to the Guardian Assurance Company Limited, of London (hereinafter called the Company), the Premium
stated above for insuring against Loss or Damage by Fire (as hereinafter mentioned), the property hereinafter described in the Sum or Sums following, namely :—
'IRAQ DINARS ONE THOUSAND SEVEN HUNDRED & FIFTY ONLY. On the building of a school (excluding
plinths, foundations and pavements) the property of the Insured or held by them in trust,
brick built with roof of bricks and/or mud on chundals bearing No.172/144 and situate at
Tatran Quarters, Baghdad. ⟦line⟧ ID.1750/-.
Lighting and heating by coal, kerosene oil and electricity allowed.
B05 · marginalia / latin
Notwithstanding ⟦illegible⟧
contrary or ⟦illegible⟧
shall in no event ⟦illegible⟧
of the property insured ⟦illegible⟧
loss or damage happening ⟦illegible⟧
B06 · stamp / mixed
IRAQ POSTAGE 5 FILS
IRAQ ⟦illegible⟧
B07 · paragraph / latin
The Company hereby agrees with the Insured (but subject to any Conditions hereinbefore contained, and to the Conditions endorsed, all which are to be taken as part of
this Policy) that if the Property above described, or any part thereof, shall be destroyed or damaged by fire, at any time between and including the twentyfourth
day of April 1939, and Four o'Clock in the Afternoon of the twentyfourth day of April 1940, or at any time
afterwards, so long as the Insured or his Representatives in Interest (provided that the Interest in this Policy be assigned by and with the consent of the Company or its authorized
Agent, but not otherwise) shall pay to the Company or its authorized Agent, and they shall accept the sum required for the renewal of this Policy, on or before the said
last-mentioned date, and on or before the expiration of any subsequent period for which this Policy shall be stated in the Renewal Receipt to be renewed, the Company
shall pay or make good all such loss or damage to an amount not exceeding in respect of the several matters above specified the sum set opposite thereto respectively, and not
exceeding in the whole the sum above mentioned as the sum Insured.
B08 · form / latin
In Witness whereof, we being duly authorized hereunto for and on behalf of the Guardian Assurance Company Limited, have hereunto subscribed our Name ,
this twentyfourth day of April One Thousand Nine Hundred and thirtynine , but hereby fully declaring we are
in no way responsible in person or estate under this Insurance, or for any Act done in consequence thereof.
B09 · signature / latin
Witness
THE IRAQ INSURANCE OFFICE LTD.
⟦signature⟧
For the Guardian Assurance Company Limited,
Managing Director per Power of Attorney
B10 · footer / latin
September, 1933.
U.A.
226.
1137
The Insured should for his own protection examine the Policy in order to verify the correctness of the description of the Property Insured.
Guardian Assurance Company
Limited.
Subscribed Capital
£ 2,059,971.
Paid up Capital
£ 1,024,578.
Established 1821.
INCORPORATED IN ENGLAND.
No.: 7613508
Agency: 'Iraq.
SUM INSURED: ID.2750/-.
PREMIUM: ID.5/156
From: 24th April 1939
To: 24th April 1940
This Policy of Insurance Witnesseth THAT The Jewish Lay Council, Baghdad
(hereinafter called the Insured) having paid to the Guardian Assurance Company Limited, of London (hereinafter called the Company), the Premium
stated above for insuring against Loss or Damage by Fire (as hereinafter mentioned), the property hereinafter described in the Sum or Sums following, namely :—
'IRAQ DINARS TWO THOUSAND SEVEN HUNDRED & FIFTY ONLY. On the building of a school (excluding
plinths, foundations and pavements) belonging to the Insured or held by them in trust, brick
built with roof of bricks and/or mud on chundals bearing No.78/137 and situate at Torat
Street, Baghdad. ... ... ... ID.2750/-.
Lighting and heating by coal, kerosene oil and electricity allowed.
⟦Notwithstanding any provision of law to the⟧
⟦contrary or any⟧
⟦shall in no event be liable⟧
⟦of the property insured⟧
⟦loss or damage happening thereto.⟧
[Stamp] IRAQ REVENUE 20 FILS
[Stamp] IRAQ REVENUE 50 FILS
The Company hereby agrees with the Insured (but subject to any Conditions hereinbefore contained, and to the Conditions endorsed, all which are to be taken as part of
this Policy) that if the Property above described, or any part thereof, shall be destroyed or damaged by fire, at any time between and including the twentyfourth
day of April 19 39, and Four o'Clock in the Afternoon of the twentyfourth day of April 19 40, or at any time
afterwards, so long as the Insured or his Representatives in Interest (provided that the Interest in this Policy be assigned by and with the consent of the Company or its authorized
Agent, but not otherwise) shall pay to the Company or its authorized Agent, and they shall accept the sum required for the renewal of this Policy, on or before the said
last-mentioned date, and on or before the expiration of any subsequent period for which this Policy shall be stated in the Renewal Receipt to be renewed, the Company
shall pay or make good all such loss or damage to an amount not exceeding in respect of the several matters above specified the sum set opposite thereto respectively, and not
exceeding in the whole the sum above mentioned as the sum Insured.
In Witness whereof, we being duly authorized hereunto for and on behalf of the Guardian Assurance Company Limited, have hereunto subscribed our Name ,
this twentyfourth day of April One Thousand Nine Hundred and thirtynine , but hereby fully declaring we are
in no way responsible in person or estate under this Insurance, or for any Act done in consequence thereof.
[Signature] Witness
[Signature] THE IRAQ INSURANCE OFFICE LTD.
[Signature] ⟦illegible signature⟧
[Signature] For the Guardian Assurance Company Limited,
[Signature] Managing Director Power of Attorney Manager
September, 1933.
The Insured should for his own protection examine the Policy in order to verify the correctness of the description of the Property Insured.
U.A.
226.
1137
B01 · header / mixed
مع تهاني
شركة المكتب العراقي للتأمين المحدودة
(المؤسسة في العراق)
١١١/٩ شارع المستنصر رقم التلفون ٥٩٨
With Compliments from
The Iraq Insurance Office Ltd.
(INCORPORATED IN IRAQ)
111/9 Mustansir Street, Baghdad
Phone No. 598
B01 · header / latin
Guardian
Assurance Company Limited,
LONDON.
ESTABLISHED 1821.
HEAD OFFICE:
68, KING WILLIAM STREET, LONDON, E.C. 4.
B02 · form / latin
No.: 7613508
The: Jewish Council
Sum Assured: ID.2750/-
Premium: ID.5/156
Expires: 24th April 1940
B03 · header / latin
Guardian Assurance Company Limited.
B04 · paragraph / latin
THE CONDITIONS UPON WHICH THIS POLICY IS GRANTED.
B05 · paragraph / latin
1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission.
2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Insured.
3. The Insured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage, all benefit under this Policy shall be forfeited.
All insurance under this Policy
(1) on any building or part of any building,
(2) Any loss or damage occasioned by building,
(3) ⟦illegible⟧ ent or other subject matter of insurance in respect of or in connection with any building or any ⟦illegible⟧ perty contained in any building,
shall cease ⟦illegible⟧ y upon any fall or displacement
⟦illegible⟧ building or of any part thereof,
⟦illegible⟧ whole or any part of any range of buildings or of any structure of which such building forms part.
⟦illegible⟧ such fall or displacement is of the whole or a substantial or important part of such building ⟦illegible⟧ ss of such building or any part thereof or leaves such building or any part thereof or any property ⟦illegible⟧ ect to increased risk of fire or is otherwise material.
AND PROVIDED that such fall or displacement is not caused by fire loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy.
In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Insured.
5. This insurance does not cover
(a) Loss by theft during or after the occurrence of a fire.
(b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f)), or by its undergoing any heating or drying process.
(c) Loss or damage occasioned by or through or in consequence of
(1) The burning of property by order of any public authority.
(2) Subterranean Fire.
6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely :-
(1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance.
(2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military naval or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege.
Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Insured shall prove that such loss or damage happened independently of the existence of such abnormal conditions.
In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Insured.
7. Unless otherwise expressly stated in the Policy this insurance does not cover
(a) Goods held in trust or on commission.
(b) Bullion or unset precious stones.
(c) Any curiosity or work of art for an amount exceeding £20.
(d) Manuscripts, plans, drawings, or designs, patterns, models or moulds.
(e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books.
(f) Coal, against loss or damage occasioned by its own spontaneous combustion.
(g) Explosives.
(h) Any loss or damage occasioned by or through or in consequence of explosion; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this Policy.
(i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire.
8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Insured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company.
(a) If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire.
(b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days.
(c) If property insured be removed to any building or place other than that in which it is herein stated to be insured.
(d) If the interest in the property insured pass from the Insured otherwise than by will or operation of law.
9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been effected.
10. This insurance may be terminated at any time at the request of the Insured, in which case the Company will retain the customary short period rate for the time the Policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment.
B06 · paragraph / latin
11. On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company
(a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind.
(b) particulars of all other insurances, if any.
The Insured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith.
No claim under this Policy shall be payable unless the terms of this condition have been complied with.
12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may
(a) enter and take and keep possession of the building or premises where the loss or damage has happened.
(b) take possession of or require to be delivered to it any property of the Insured in the building or on the premises at the time of the loss or damage.
(c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same.
(d) sell such property or dispose of the same for account of whom it may concern.
The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Insured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Insured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim.
If the Insured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited.
The Insured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not.
13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under this Policy; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Insured; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited.
14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage, or may join with any other Company or Insurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum insured by the Company thereon.
If the Company so elect to reinstate or replace any property the Insured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace.
If in any case the Company shall be unable to reinstate or replace the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition.
15. The Insured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company.
16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Insured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage.
17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition.
18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained.
19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration.
20. Every notice and other communication to the Company required by these Conditions must be written or printed.
B07 · footer / latin
⟦illegible⟧.A. 226.-9-33.
B01 · header / mixed
EZRA E. ANI.
P. O. BOX No. 48.
TELE { GRAMS : EZRANI
PHONE : MULHAK 2129
Baghdad, ⟦illegible⟧ 193
بغداد في ⟦illegible⟧ نيسان ٩٢٩
CODES USED { A. B. C. 5TH EDITION
BENTLEY'S
PRIVATE
B02 · paragraph / arabic
حضرة رئيس مجلس الطائفة المحترم
بغداد
بعد التحية والاحترام المعروض بـ ⟦illegible⟧ قد حررنا طهران المدارس العائدة
للطائفة بموجب هذا التفصيل
مجلس ديار رسم طهران بناية مدرسة رقم ٧٨ الواقع في محلة التوراة بمبلغ دينار
١٤٧
" " طهران " " رقم ١٧٢ " " " " " "
١٤٤
وعليه نقدم لكم بوالص الطهران ونرجوكم تسديد مبلغ الرسم باسمنا
هذا ولكم جزيل الاحترام والامتنان
B03 · table / arabic
١٥٦ ٢٢٨ ٨
٢٧٥٠ ١٧٥٠
١٧٥٠
B04 · signature / arabic
عن ⟦illegible⟧
[Marginalia] No. 1
THE
SOUTH BRITISH
INCORPORATED IN NEW ZEALAND
INSURANCE COMPANY, L.TD.
(The liability of the Shareholders of the Company is limited.)
BRANCH OFFICE :
CANADA BUILDING, HORNBY ROAD, FORT,
BOMBAY.
Whereas the Assured designated in the Schedule hereto (hereinafter called the Schedule)
has paid to THE SOUTH BRITISH INSURANCE COMPANY LIMITED (hereinafter called the
Company) the sum stated in the Schedule as the premium for such insurance as hereinafter
mentioned of the property described in the Schedule in the sum or several sums stated in
the Schedule :
Now Be It Known that during the period of insurance stated in the Schedule
and for so long afterwards as the said Assured, his, her or their Heirs, Executors, or Administrators
shall from time to time pay, or cause to be paid, the Sums required for the renewal of this
Policy, and the Directors of the Company shall agree thereto by accepting the same, the Funds
and Property of the Company shall be subject and liable to pay, reinstate, or make good to the
said Assured, his, her or their Heirs, Executors, or Administrators, such Loss or Damage as shall
be occasioned by Fire to the Property described in the Schedule and hereby Insured
including in such loss or damage, loss by Lightning, whether the property insured becomes ignited
or not, but not exceeding in each case respectively the Sum or Sums severally specified in the
Schedule and stated against each Property described in the Schedule.
Provided Always that this Insurance shall at all times and under all circumstances
be subject to the Conditions and Stipulations expressed in and endorsed on this Policy, which
Conditions and Stipulations constitute the basis of this Insurance, and are to be considered as
incorporated in, and forming part of, this Policy.
B01 · header / latin
THE CONDITIONS REFERRED TO IN THIS POLICY ARE AS FOLLOWS :-
B02 · paragraph / latin
1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or al ⟦...⟧ misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it ⟦...⟧ lates to property affected by any such misdescription, misrepresentation or omission.
2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Assured.
3. The Assured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage all benefit under this Policy shall be forfeited.
4. All insurance under this Policy
(1) on any building or part of any building,
(2) on any property contained in any building,
(3) on rent or other subject-matter of insurance in respect of or in connection with any building or any property contained in any building,
shall cease immediately upon any fall or displacement
(a) of such building or of any part thereof,
(b) of the whole or any part of any range of buildings or of any structure of which such building forms part.
PROVIDED that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material.
AND PROVIDED that such fall or displacement is not caused by fire, loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy.
In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Assured.
5. This insurance does not cover
(a) Loss by theft during or after the occurrence of a fire.
(b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f), or by its undergoing any heating or drying process).
(c) Loss or damage occasioned by or through or in consequence of
(1) The burning of property by order of any public authority.
(2) Subterranean Fire.
6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely :-
(1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance.
(2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege.
Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except to the extent that the Assured shall prove that such loss or damage happened independently of the existence of such abnormal conditions.
In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance, the burden of proving that such loss or damage is covered shall be upon the Assured.
7. Unless otherwise expressly stated in the Policy this insurance does not cover
(a) Goods held in trust or on commission.
(b) Bullion or unset precious stones.
(c) Any curiosity or work of art for an amount exceeding £20.
(d) Manuscripts, plans, drawings or designs, patterns, models or moulds.
(e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books.
(f) Coal, against loss or damage occasioned by its own spontaneous combustion.
(g) Explosives.
(h) Any loss or damage occasioned by or through or in consequence of explosion ; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this policy.
(i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire.
8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Assured, before the occurrence of any loss or damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company.
(a) If the trade or manufacture carried on be altered or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire.
(b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days.
(c) If property insured be removed to any building or place other than that in which it is herein stated to be insured.
(d) If the interest in the property insured pass from the Assured otherwise than by will or operation of law.
9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this insurance not been effected.
10. This insurance may be terminated at any time at the request of the Assured, in which case the Company will retain the customary short period rate for the time the policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Assured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment.
11. On the happening of any loss or damage the Assured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company
(a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind.
(b) particulars of all other insurances, if any.
The Assured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith.
No claim under this Policy shall be payable unless the terms of this condition have been complied with.
12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may
(a) enter and take and keep possession of the building or premises where the loss or damage has happened.
(b) take possession of or require to be delivered to it any property of the Assured in the building or on the premises at the time of the loss or damage.
(c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same.
(d) sell any such property or dispose of the same for account of whom it may concern.
The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Assured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Assured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim.
If the Assured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited.
The Assured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not.
13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Assured or any one acting on his behalf to obtain any benefit under this Policy ; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Assured ; or, if the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the 18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited.
14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage or may join with any other Company or Assurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum assured by the Company thereon.
If the Company so elect to reinstate or replace any property the Assured shall, at his own expense, furnish the Company with such plans, specifications, measurements, quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall be deemed an election by the Company to reinstate or replace.
If in any case the Company shall be unable to reinstate or repair the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition.
15. The Assured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Company.
16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Assured or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage.
17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Assured shall be considered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition.
18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a sole arbitrator ; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers of the arbitrator, arbitrators or umpire respectively ; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the discretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained.
19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration.
20. Every notice and other communication to the Company required by these Conditions must be written or printed.
B01 · header / latin
THE SCHEDULE.
B02 · form / latin
Premium: ID. 1/250 @ 2/500%0
Policy No.: 42 / 13962.
The Assured: The President of the Jewish Community.
Address: Baghad.
Period of Insurance: From the Fourteenth day of September 194 6. until 4 o'clock (Standard Time) on the afternoon of the Fourteenth day of September 194 7.
B03 · stamp / mixed
⟦illegible⟧
IRAQ
15 FILS
BAGHDAD
B04 · paragraph / latin
THE PROPERTY. SUM(S) ASSURED.
ID. 500/-.
IRAQ DINARS FIVE HUNDRED ONLY.
On office furniture, fixtures and fittings including carpets,
books, stationery, typewriters and similar articles his own, in trust, in
deposit or on commission for which he may be responsible while contained
and/or in use in a building occupied as office of the Jewish President,
ground and one storey in height, brick-built with brick-arched and/or
chundal roofing, bearing Municipal No. 16/118, situated at Towrat quarter,
Baghdad.
In the event of loss or damage no single articles to be
declared for insurance at more than ID. 25 except:-
B05 · table / latin
(1) Remington Typewriter (Arabic). | ID. 42/---
(2) One Persian Carpet . | 30/---
(3) One Iron safe. | 40/---
B06 · paragraph / latin
Subject to warranties and clause as per sheet attached.
B07 · paragraph / latin
In Witness Whereof the undersigned being duly authorised by the Directors
of the said Company, and on behalf of the said Company, has hereunto set his hand at <del>BOMBAY</del>
Baghdad
the Fifteenth day of September 194 6 .
B08 · form / latin
Examined: ⟦line⟧
Agent/Broker: ⟦line⟧
Manager: ⟦line⟧
B01 · header / latin
SOUTH BRITISH
INCORPORATED IN NEW ZEALAND
INSURANCE COMPANY, LTD.
MARINE · FIRE · ACCIDENT
FIRE POLICY
B02 · form / latin
No.: 42/13962
NAME: The President of the Jewish Community. Baghdad.
SUM ASSURED RS.: ID. 500/---
ON: On office furniture at Towrat Street.
SITUATION: Baghdad
EXPIRES: Fifteenth September 1947
at: o'clock (S.T.) in the afternoon
B03 · paragraph / latin
The Assured is requested to read the Conditions of this Policy.
B04 · stamp / latin
⟦illegible⟧
B05 · marginalia / arabic
رئيس الطائفة
B06 · footer / latin
T.I.P.—J.3243-44.
Form No. 1.
B01 · header / latin
IRAQ AGENCY.
No. 42 / 13962.
B02 · header / latin
The South British Insurance Company Limited.
B03 · stamp / latin
THE SOUTH BRITISH INSURANCE COMPANY LIMITED
B04 · stamp / mixed
SOUTH BRITISH
⟦illegible⟧
BAGHDAD
العراق ٨ فلوس
B05 · form / latin
Baghdad,: September 15th 1946
Received from: The President of the Jewish Community, Baghdad.
the sum of: I. D. 1/250
being amount of Premium as noted below for: fire
insurance to the extent of: I. D 500/-
under Policy No.: 42/ 13962
from: 14.9. 1946
to: 14.9. 1947
at 4 p. m. , Standard Time.:
Premium, I. D.: 1/250.
ID.: 1/250.
B06 · signature / latin
⟦signature⟧
Chief. Agent.
B01 · header / latin
The South British Ins Company Limited.
B02 · form / mixed
Attached to and forming part of Policy No.: 42/13962.
B03 · paragraph / latin
This Company is expressly declared to be free from liability for loss-of or damage to any
electrical machine, apparatus, fixtures or fittings [ including electric fans, electric household or domestic
appliances, wireless sets and radios ] or to any portion of the electrical installation, arising from or
occasioned by overrunning, excessive pressure, short-circuiting, arcing, self-heating or leakage of
electricity from what-ever cause [ lightning included ] ; provided that this exemption shall apply only to
the particular electrical machines, apparatus, fixtures, fittings or portions of the electrical installation
which may be destroyed or damaged by fire so set up.
B04 · paragraph / latin
This Company is expressly declared to be free from liability for loss of or damage to
heating and cooking stoves caused directly by their own heat &/or flames.
B05 · paragraph / latin
Lighting and heating by firewood, coal, keorsene, and/or electricity allowed.
B06 · paragraph / latin
Notwithstanding any provision of law to the contrary or any provisions here-of the
Company shall in no event be liable for more than the value of the property insured here-by at the
time of any loss or damage happening thereto.
B07 · stamp / latin
⟦illegible⟧
BAGHDAD
B08 · signature / latin
⟦signature⟧
B01 · stamp / mixed
POSTAGE 40 FILS
REVENUE
IRAQ
⟦illegible⟧
المكتب العراقي للتأمين المحدود
بغداد
BAGHDAD
THE IRAQ INSURANCE OFFICE LTD.
B02 · header / latin
FOREIGN FIRE.
No. 64730
Guardian Assurance Company Limited.
(INCORPORATED IN ENGLAND.)
Head Office:—68, King William Street, London, E.C.4.
'Iraq Agency.
B03 · form / latin
Received the: First day of March 1944.
of Messrs.: The Jewish Lay Council.
the sum of ID.: 18/750 being for twelve Months' Premium on Blg. Khan 158/158 & Four Shops, Shorja.
insured in this Company by Policy No.: 7676189 which is hereby renewed from
5th March: 19 44 to 5th March 19 45.
Sum Insured ID.: 1500/-
B04 · signature / latin
⟦illegible signature⟧
Agent.
B05 · footer / latin
F. 21—3/31.
B01 · header / latin
FOREIGN FIRE.
No. 64521
Iraq Agency.
Guardian Assurance Company Limited.
(INCORPORATED IN ENGLAND.)
Head Office:— 68, King William Street, London, E.C. 4.
B02 · stamp / mixed
⟦illegible⟧
5 MAR 1943
BAGHDAD
B03 · other / mixed
IRAQ POSTAGE REVENUE 40 FILS
B04 · form / latin
Received the: Twentyfourthday of March 19 43
of Messrs.: The Jewish Lay Council.
the sum of: ID. 18/750 being for Twelve Months' Premium on Blg. of Khan No.158/158 & four shops, Shorja Bazaar.
insured in the Company by Policy No.: 7676189 which is hereby renewed from
from: 5th March 1943 to 5th March 19 44
Sum Insured: ID.1500/-.
B05 · signature / latin
THE IRAQ INSURANCE OFFICE LTD.
⟦signature⟧
Managing Director Director Agent.
B06 · footer / latin
F. 21—3/31.
B01 · header / arabic
شركة التأمين البريطانية الجنوبية المحدودة
(المؤسسة في نيوزيلاند)
B02 · stamp / latin
THE SOUTH BRITISH INSURANCE COMPANY LIMITED
B03 · header / arabic
البحرية . الحريق . العوارض
B04 · form / mixed
بوليصة رقم: ٤٢/١٢٨٧
السعر: ١/٥٠٠
مبلغ التأمين: ٧٠٠ دينار
اجرة التأمين: ⟦illegible⟧
B05 · paragraph / arabic
حيث ان
(المدعو فيما يلي بالمؤمن له) الى شركة ساوث بريتيش اينشورنس كومبني ليمتد (المدعوة فيما يلي بالشركة) مبلغ ⟦illegible⟧
وهو اجرة التأمين عن ⟦illegible⟧ المذكور فيما يلي على المال المبين وصفه فيما يأتي بالمبلغ او المبالغ الاتية وذلك :-
B06 · table / arabic
⟦illegible⟧
في حالة ⟦illegible⟧ تلف او ضرر لا يزيد مبلغه عن ⟦illegible⟧
اثاث ⟦illegible⟧
٢٧٠ قيمة ⟦illegible⟧
٢٥٠ سيارة داجية
٤٧ قصة صندوق حديد
B07 · paragraph / arabic
لا تكون الشركة في اي حال من الاحوال ملزمة باكثر
من ثمن الاموال المؤمنة بموجب هذه البوليصة في زمن
حدوث التلف او الضرر حتى ولو وجد نص قانوني يخالف
ذلك او بالرغم من اي شرط من شروط هذه البوليصة.
يسمح بالانارة والتدفئة والطبخ بواسطة
الخشب، الفحم، النفط، و / او الكهرباء
B08 · paragraph / arabic
فعليه ليكن معلوماً انه من اليوم الرابع عشر من ايلول ١٩٤٢ الى اليوم الرابع عشر من ايلول ١٩٤٣ بالساعة الرابعة بعد الظهر من اليوم المذكور ولكل مدة
من بعد ذلك مما يكون المؤمن له المذكور او ورثته او اوصياؤه او مديروه قد دفعوا من حين لاخر المبالغ المطلوبة لتجديد هذه البوليصة او امروا بدفعها فيما اذا قبل مجلس ادارة هذه الشركة بذلك بقبض
المبالغ المذكورة فان موجودات واموال الشركة المذكورة تكون مكلفة وملزمة بان تدفع او تعوض للمؤمن له المذكور او ورثته او اوصياؤه او مديروه التلف او الضرر الذي يحدث من الحريق في المال
المذكور اعلاه المؤمن عليه بهذه بما في ذلك الضرر الناشئ من الصاعقة سواء احترق المال المؤمن عليه ام لا على ان لا يتجاوز من حيث كل مال المبلغ او المبالغ المعينة والمشروطة انفا بصورة منفردة من اجل ذلك المال .
ويشترط على كل حال ان هذا التأمين يجب ان يكون في كل وقت وفي جميع الظروف تابعا للشروط والنصوص المطبوعة في ظهر هذه الورقة تلك الشروط والنصوص التي تشكل اساس هذا التأمين والتي
يجب اعتبارها داخلة في هذه البوليصة كجزء منها .
ولاجل البيان ان الموقع ادناه المأذون حسب الاصول من قبل مجلس ادارة الشركة المذكورة وبالاضافة الى الشركة المذكورة قد وقع امضاءه
في بغداد في اليوم الخامس عشر من ايلول ١٩٤٢
B09 · signature / arabic
رفعت كمال
B01 · header / arabic
اهم الشروط والنصوص المنوه عنها في هذه البوليسة هي كما يأتي :-
B02 · paragraph / arabic
١- اذا وجد خلاف جوهري في وصف شيء من المال المؤمن بهذا او في وصف البناء او المحل الذي قد يكون فيه المال المذكور او وجد بيان غير صحيح حول امر مما تكون معرفته جوهرية لتقدير الخطر او وجد ان ذلك الامر اهمل ذكره فان الشركة لا يترتب عليها مسؤولية بموجب هذه البوليسة فيما يخص المال الذي ورد بشأنه الوصف المخالف او البيان غير الصحيح او الاهمال المذكور .
٢- كل تأدية من اجل اجرة التأمين لا تعتبر تأدية للشركة ما لم يعط للمؤمن له من اجلها استمارة وصل مطبوعة وموقع عليها من قبل موظف لدى الشركة او وكيل عنها منصوب حسب الاصول .
٣- على المؤمن له ان يخبر الشركة بكل معاملة تأمين سبق وقوعها او قد تقع فيما بعد او بجميع مثل هذه المعاملات اذا وردت على شيء من المال المؤمن بهذه وتسقط جميع الحقوق بموجب هذه البوليسة اذا لم يتم الاخبار المذكور ولم تدرج تفاصيل معاملة او معاملات التأمين المذكورة في هذه البوليسة او لم تظهر عليها وذلك من قبل الشركة او من ينوب عنها قبل حدوث اي تلف او ضرر .
٤- كل تأمين بموجب هذه البوليسة
(١) على اي بناء او قسم منه
(٢) على اي مال موجود في اي بناء
(٣) على بدل ايجار او وجه اخر من وجوه التأمين فيما يتعلق باي بناء او باي مال موجود في اي بناء .
ينتهي حالا عند سقوط او تحويل
(أ) البناء المذكور او اي قسم منه
(ب) جميع او قسم من سلسلة الابنية او الانشاءات التي يكون ذلك البناء قسما منها .
انما يشترط ان يكون السقوط او التحويل المذكور واردا على مجموع البناء المذكور او على قسم شامل او مهم منه او ان يخل بالفائدة منه او بالفائدة من قسم منه او ان يجعل البناء المذكور او قسما منه او اي مال موجود فيه معرضا لخطر حريق ابلغ من قبل او ان يكون له اثر مادي بصورة اخرى .
ويشترط كذلك ان لا يكون السقوط او التحويل المذكور قد سببه حريق تشمل هذه البوليسة التلف او الضرر الناشئ عنه او كانت تشملها لو كان البناء المذكور مؤمن عليه بموجب هذه البوليسة او لو كانت سلسلة الابنية او الانشاءات المذكورة مؤمن عليها بموجبها .
في كل دعوى او معاملة اخرى ان كلمة اثبات كون السقوط او التحويل قد سببه حريق كما تقدم تقع على المؤمن له .
٥- ان هذا التأمين لا يشمل :-
(أ) التلف الناشئ من سرقة اثناء الحريق او بعد حدوثه
(ب) التلف او الضرر للمال اذا نشأ من اختماره بذاته او من حرارته الذاتية او من الاشتعال بحسب طبيعته ( باستثناء ما نص عليه في الفقرة ( و ) من الشرط السابع ) او اذا حدث بنتيجة عملية تسخين او تجفيف جرت عليه
(ج) التلف او الضرر الناشئ بسبب او بنتيجة
(١) احتراق ⟦...⟧ سلطة رسمية
(٢) النار ⟦...⟧ الارض
٦- ان هذا التأمين لا يشمل التلف او الضرر الذي يكون اما من حيث اصله او من حيث مقداره قد نشأ او له علاقة مباشرة او بصورة غير مباشرة من احد الحوادث الاتية او نتج عنها بنتيجة قريبة او بعيدة او الذي كانت تلك الحوادث من البواعث القريبة او البعيدة المباشرة او غير المباشرة اليه سواء من حيث اصله او من حيث مقداره وتلك الحوادث هي :-
(أ) الزلازل وانفجار البراكين او العواصف الجوية والزوابع والاعاصير وغيرها من الاضطرابات الجوية
(ب) الحروب والغزو واعمال الاعداء الاجانب والعداوات والعمليات الحربية (سواء اعلنت الحرب ام لا) والعصيان والهياج والاضطرابات والثورة والمؤامرة والسلطة العسكرية او الثورية او الفتنة والاحكام العرفية او اي كان من الحوادث او الاسباب التي توجب اعلان او ابقاء الاحكام العرفية
كل تلف او ضرر حدث اثناء وجود احوال غير اعتيادية (سواء كانت مادية ام لا) وكان ناتجا مباشرة او بصورة غير مباشرة بنتيجة قريبة او بعيدة من احد الحوادث المذكورة او كانت تلك الحوادث من البواعث القريبة او البعيدة المباشرة او غير المباشرة قريبة او بعيدة بتقدير من التلف او الضرر الذي لا تشمل هذه البوليسة سوى بقدر ما يثبت المؤمن له ان التلف او الضرر المذكور كان حدوثه مستقلا عن وجود الاحوال غير الاعتيادية المذكورة .
في كل دعوى او معاملة اخرى متى ادعت الشركة ان التلف او الضرر لا يشمله هذا التأمين بسبب احكام هذا الشرط فان كلفة اثبات كون التأمين يشمل التلف او الضرر تقع على المؤمن له .
٧- ان هذا التأمين لا يشمل الاشياء الاتية ما لم ينص صراحة على خلاف ذلك في هذه البوليسة وذلك :-
(أ) البضائع التي تكون حيازتها على سبيل الامانة والقميسيون
(ب) سبائك المعادن النفيسة والحجارة النفيسة غير المركبة
(ج) التحف والآثار الفنية التي يزيد مبلغها على عشرين باون
(د) المخطوطات والخرائط والرسوم والنماذج والقوالب
(هـ) الاسهم والسندات والاوراق مهما كان نوعها والطوابع والمسكوكات والاوراق النقدية والجبكات ودفاتر الحسابات وغير ذلك من دفاتر الاشغال
(و) الفحم من حيث التلف او الضرر الذي يحدث من نشوب الحريق فيه من طبيعته .
(ز) المواد المتفجرة
(ح) كل تلف او ضرر حدث من انفجار او بسببه او من نتيجته غير ان التلف او الضرر الذي يسببه انفجار الغاز المستعمل للتنوير او للاغراض المنزلية في بناء لا يجري توليد الغاز فيه ولا يكون جزء من معمل غاز يعتبر ضررا ناشئا من حريق بالمعنى المقصود في هذه البوليسة
(ط) كل تلف او ضرر حدث من او بسبب او من نتيجة احتراق الغابات ومحلات الاشواك والادغال والمراعي او من تنظيف الارض بالنار سواء حدث ذلك قضاء او بصورة اخرى .
٨- في اي كان من الظروف الاتية ان التأمين ينقطع عن المال الذي ورد عليه ما لم يحصل المؤمن له على مصادقة الشركة بموجب تظهير منها او ممن ينوب عنها على هذه البوليسة وذلك قبل حدوث التلف او الضرر وذلك :-
(أ) اذا كانت التجارة او الصناعة التي تمارس قد تغيرت او اذا كانت كيفية استعمال البناء المؤمن او الذي فيه المال المؤمن او غير ذلك من الظروف التي تهمه قد تغيرت بصورة يزداد فيها خطر التلف او الضرر بالنار .
(ب) اذا اصبح البناء المؤمن او الذي فيه المال المؤمن غير مشغول وبقي كذلك مدة تزيد عن ثلاثين يوما .
(ج) اذا نقل المال المؤمن الى اي بناء او محل غير الذي ذكر في هذه البوليسة ان المال مؤمن فيه .
(د) اذا انتقل حق المؤمن له في المال المؤمن الى غيره بغير طريق الايصاء او حكم القانون .
٩- ان هذا التأمين لا يشمل اي تلف او ضرر لمال مؤمن وقت حدوث التلف او الضرر او كان يكون مؤمنا في ذلك الحين بموجب بوليسة او بوليسات بحرية لو لم تكن هذه البوليسة سوى من حيث اية زيادة فوق المبلغ الذي كان يستحق الدفع بموجب البوليسة او البوليسات البحرية المذكورة على فرض عدم عقد هذا التأمين .
١٠- يجوز انهاء هذا التأمين في اي وقت على طلب المؤمن له وعندئذ تحتفظ الشركة بالاجرة بموجب سعر المدد القصيرة الاعتيادي من اجل المدة التي بقيت هذه البوليسة نافذة فيها . ويجوز كذلك انهاء هذا التأمين في اي وقت بخيار الشركة وذلك بانذار المؤمن له بذلك وعندئذ يترتب على الشركة ان تعيد عند الطلب مقدارا نسبيا من اجرة التأمين من اجل ما بقي من الاجل من تاريخ الفسخ .
١١- عند حدوث اي تلف او ضرر فعلى المؤمن له ان يخبر الشركة بذلك حالا وعليه في ظرف خمسة عشر يوما من بعد التلف او الضرر او في اية مدة اطول من ذلك تسمح الشركة بها كتابة في هذا الصدد ان يسلم الى الشركة :-
(أ) طلبا خطيا من اجل التلف او الضرر يتضمن وصفا مفصلا بقدر ما هو مستطاع ضمن المعقول عن جميع الاشياء او المفردات المتفرقة من المال الذي اصابه الضرر او التلف ومبلغ التلف او الضرر الذي حل فيه حسبما تكون الحال باعتبار قيمته وقت التلف او الضرر بدون ادخال اي نوع من الربح .
(ب) تفصيل جميع التأمينات الاخرى اذا كان ثم منها شيء .
وعلى المؤمن له ايضا ان يبرز ويستحصل ويعطي للشركة في جميع الاوقات على نفقته جميع التفصيلات والخرائط والتصاميم والدفاتر واوراق الوصل والقوائم ونسخها الثانية او صورها والوثائق والبينات والمعلومات الاخرى فيما يخص الطلب ومصدر وسبب الحريق والظروف الذي حدث فيها التلف او الضرر وكيفية يتعلق بمسؤولية الشركة او مقدار مسؤوليتها حسبما يطلب ضمن المعقول من قبل الشركة او بالنيابة عنها مع تصريح موثق يمين او موضوع بقالب قانوني آخر يفيد صحة الطلب وجميع الامور المتعلقة به .
لا يدفع طلب بموجب هذه البوليسة ما لم تكن نصوص هذا الشرط قد نفذت .
١٢- عند حدوث اي تلف او ضرر لاي مال مؤمن بموجب هذه البوليسة يجوز للشركة
(أ) ان تدخل البناء او المحل الذي حدث فيه التلف او الضرر وتضعه وتبقيه في تصرفها
(ب) ان تأخذ في حيازتها او تطلب ان يسلم اليها اي مال يكون للمؤمن له في البناء او المحل في وقت التلف او الضرر
(ج) ان تحتفظ في حيازتها المال المذكور وتفحصه وتفرقه وترتبه وتنقله او تتصرف فيه بصورة اخرى
(د) ان تبيع المال المذكور او تصرفه لحساب من له علاقة به
ان السلطات المخولة بموجب هذا الشرط تمارسها الشركة في اي وقت كان الى ان يخبرنا المؤمن له كتابة بانه لا يطالب بشيء بموجب هذه البوليسة واذا كان قد وقع اي طلب فيمارس السلطات المذكورة الى ان يبت في الطلب المذكور نهائيا او الى ان يسحب ولا يترتب على الشركة من اي عمل جرى في صدد ممارسة او قصد ممارسة سلطاتها المذكورة اية مسؤولية ازاء المؤمن له ولا يؤثر ذلك في حقها في الاستناد على اية كانت من شروط هذه البوليسة للرد على اي طلب .
اذا لم ينفذ المؤمن له او من ينوب عنه مطالب الشركة او مانع الشركة في ممارسة سلطاتها بموجب هذا الشرط او عرقل لها ذلك فكل حق بموجب هذه البوليسة يكون ساقطا .
ليس للمؤمن له على كل حال ان يترك اي مال للشركة سواء اخذته الشركة في حيازتها ام لا .
١٣- اذا كان الطلب مغشوشا في اي خصوص او اذا وردت او استعملت افادة كاذبة بتأييده او اذا استعملت وسائل او اساليب مغشوشة من قبل المؤمن له او من ينوب عنه للحصول على فائدة بموجب هذه البوليسة او اذا سبب التلف او الضرر بفعل مقصود من المؤمن له او كان في ذلك تواطؤ منه او اذا قدم الطلب ورد ولم تقم الدعوى في ظرف ثلاثة اشهر من تاريخ الرد المذكور او في ظرف ثلاثة اشهر من تاريخ صدور قرار المحكم او المحكمين او الفيصل فيما اذا وقع تحكيم بموجب الشرط الثامن عشر من هذه البوليسة فان جميع الحقوق بموجب هذه البوليسة تكون ساقطة .
١٤- للشركة الخيار في اعادة المال المتضرر او المتلوف او اي جزء منه الى نصابه او تبديله عوضا عن دفع مبلغ التلف او الضرر او قد تتفق مع اي شركة او شركات اخرى لعمل ذلك ولكن الشركة غير ملزمة باعادة المال الى نصابه تماما وبصورة دقيقة بل تكتفي بما تسمح به الظروف وبصورة كافية ضمن المعقول وفي اية حالة من الاحوال لا تلتزم الشركة بدفع مبلغ يزيد عما كانت ستكلفه اعادة المال الى نصابه لو كان جديدا وقت حدوث التلف او الضرر ولا اكثر من المبلغ المؤمن من قبل الشركة عليه .
اذا اختارت الشركة اعادة اي مال او تبديله فعلى المؤمن له ان يقدم للشركة على نفقته الخرائط والتصاميم والمقاييس والمقادير وغير ذلك من التفاصيل التي تطلبها الشركة وجميع الاعمال التي تقوم بها الشركة او تأمر بعملها للنظر في الاعادة المذكورة او التبديل ⟦...⟧ ولا تعتبر اغرابا من الشركة عن اختيارها الاعادة او التبديل .
اذا كانت الشركة لا تستطيع اعادة المال المؤمن بهذه او تبديله في حال من الاحوال بسبب ما هو نافذ من الانظمة البلدية او غيرها فيما يخص استقامة الطرق او انشاء الابنية او غير ذلك فان الشركة انما تكون ملزمة في كل حال بان تدفع المبلغ الذي كانت تتطلبه اعادة او تعمير المال المذكور لو كانت يمكن قانونا اعادته الى حالته الاولى .
١٥- على المؤمن له ان يعمل جميع الاعمال والامور التي قد تكون لازمة او التي قد تطلبها الشركة ضمن المعقول او يوافق على عملها او يأذن بعملها وذلك على نفقة الشركة لاجل تنفيذ جميع الحقوق وحقوق الرجوع وحق التأديب والتعويض من الغير مما يعود للشركة او قد يتحول اليها عند تأدية التعويض من قبلها لقاء التلف او الضرر بموجب البوليسة سواء كانت الاعمال والامور المذكورة لازمة او غدت لازمة او مطلوبة قبل التعويض له من قبل الشركة او بعد ذلك .
١٦- اذا كانت في وقت حدوث اي تلف او ضرر لاي مال مؤمن بهذه تأمين او تأمينات اخرى نافذة من اجل ذلك المال ذاته سواء عقدها المؤمن له او اي شخص آخر او اشخاص اخرون فان الشركة لا تكون ملزمة باداء او تقديم ابسط اكثر من حصتها النسبية من ذلك التلف او الضرر .
١٧- اذا كان المال المؤمن بهذه تتجاوز قيمة مجموعه وقت نشوب الحريق المبلغ المؤمن عليه فان المؤمن له يعتبر كأنه هو المؤمن لنفسه من اجل الفرق ويتحمل حصة نسبية من التلف على هذا الموجب . كل واحد من مفردات البوليسة اذا كان فيها اكثر من واحد يكون تابعا لهذا الشرط على حده .
١٨- اذا حصل خلاف حول مبلغ التلف او الضرر فان ذلك الخلاف يستقل عن جميع المسائل الاخرى يحال لاجل الفصل الى حكمين معينين من قبل الطرفين المختلفين واذا لم يتفقا على حكم واحد فإلى شخصين خبيرين عن الغرض يقومان بالتحكيم ويعين واحد منهما من قبل كل من الطرفين كتابة في ظرف شهرين شمسيين من بعد الطلب الوارد اليه كتابة من الطرف الآخر بذلك . واذا ابى احد الطرفين عن تعيين الحكم او لم يعينه في ظرف شهرين شمسيين بعد وصول طلب خطي بذلك فيكون للطرف الآخر الحرية لتعيين حكم منفرد . واذا اختلف المحكمان في الخلاف بينهما يحال للفصل الى فيصل ثالث يكون قد عين قديما من قبلهما كتابة قبل مباشرة التحكيم والذي يجيش ويجلس مع المحكمين ويرأس جلساتهما . ان وفاة احد الطرفين لا يستوجب انفساخ صلاحية او سلطات الحكم او المحكمين او الفيصل ولا يؤثر فيها . واذا توفى احد المحكمين او الفيصل فيعين غيره محله في كل حال من قبل الذي عين ذلك الحكم او الفيصل المتوفى او الذين عيناه من الطرفين او المحكمين حسبما تكون الحال . ان مصاريف التحكيم والقرار تبقى منوطة برأي المحكم او المحكمين او الفيصل الذي يصدر القرار . ويشترط ويصرح بهذه بصورة خاصة ان الحصول في بادئ الامر على قرار من المحكم او المحكمين او الفيصل في تعيين مبلغ التلف او الضرر الذي حصل حوله الخلاف يكون شرطا ابتدائيا لحق الدعوى بموجب هذه البوليسة .
١٩- ان الشركة لا تكون ملزمة في حال من الاحوال بشيء من اجل التلف او الضرر بعد مضي اثني عشر شهرا على حدوث التلف او الضرر ما لم يكن الطلب موضوع دعوى قائمة او تحكيم قائم .
٢٠- كل اخطار او انذار او مراجعة للشركة مما هو مطلوب بموجب هذه الشروط يجب ان يكون مكتوبا او مطبوعا .
B03 · footer / arabic
عقد التأمين النص العربي والانكليزي في هذه البوليسة يعول على النص الانكليزي
المطبعة التجارية * بغداد
B01 · header / latin
Baghdad Agency.
Renewal No. 42/2671.
B02 · header / latin
The South British Insurance Company, Limited.
AUTHORISED CAPITAL £ 2,000,000.
SUBSCRIBED & PAID UP CAPITAL £ 1,031,640.
B03 · stamp / latin
THE LIABILITY OF MEMBERS OF THE COMPANY IS LIMITED
INCORPORATED IN NEW ZEALAND
B04 · stamp / mixed
IRAQ POSTAGE
15 FILS
١٥ فلساً
B05 · marginalia / arabic
⟦illegible⟧
B06 · header / latin
BOMBAY BRANCH: BUILDING HORNBY ROAD, FORT,
B07 · form / latin
Baghdad,: 13th September, 1945.
Sum Insured: ID.500/---
Premium: ID.1/250.
Certified to: The President of the Jewish Community,
Address: B a g h d a d,
that the Renewal of Policy No.: 42/12870
has been effected from the: Fourteenth
day of: September 1945
to the: Fourteenth day of September 1946
at: 4 p. m. (Standard Time.)
B08 · paragraph / latin
This Renewal is subject to such Tariff Rates and Regulations as may be in force at the date from which the policy is renewed.
B09 · signature / latin
For The South British Insurance Co., Ltd.
H. D. Shohet & E. Akered Ltd.
CHIEF AGENT Agent.
B10 · paragraph / latin
** If any Stove, Steam-Engine, Furnace or other Implement for producing heat has been erected on the premises, if they are unoccupied or if the nature of the risk be in any other respect changed, it is necessary (for your security) that the circumstance should at the time be made known, in writing to the Company's Manager or Agent.
DEF.
THE
SOUTH • BRITISH
INSURANCE COMPANY, L.TD.
INCORPORATED IN NEW ZEALAND
( The liability of the Shareholders of the Company is limited.
BRANCH OFFICE :
CANADA BUILDING, HORNBY ROAD, FORT,
BOMBAY.
Whereas the Assured designated in the Schedule hereto (hereinafter called the Schedule)
has paid to THE SOUTH BRITISH INSURANCE COMPANY LIMITED (hereinafter called the
Company) the sum stated in the Schedule as the premium for such insurance as hereinafter
mentioned of the property described in the Schedule in the sum or several sums stated in
the Schedule :
Now Be It Known that during the period of insurance stated in the Schedule
and for so long afterwards as the said Assured, his, her or their Heirs, Executors, or Administrators
shall from time to time pay, or cause to be paid, the Sums required for the renewal of this
Policy, and the Directors of the Company shall agree thereto by accepting the same, the Funds
and Property of the Company shall be subject and liable to pay, reinstate, or make good to the
said Assured, his, her or their Heirs, Executors, or Administrators, such Loss or Damage as shall
be occasioned by Fire to the Property described in the Schedule and hereby Insured
including in such loss or damage, loss by Lightning, whether the property insured becomes ignited
or not, but not exceeding in each case respectively the Sum or Sums severally specified in the
Schedule and stated against each Property described in the Schedule.
Provided Always that this Insurance shall at all times and under all circumstances
be subject to the Conditions and Stipulations expressed in and endorsed on this Policy, which
Conditions and Stipulations constitute the basis of this Insurance, and are to be considered as
incorporated in, and forming part of, this Policy.
THE CONDITIONS REFERRED TO IN THIS POLICY ARE AS FOLLOWS :
1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation
as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property
affected by any such misdescription, misrepresentation or omission.
2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly
appointed Agent of the Company shall have been given to the Assured.
3. The Assured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property
hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before
the occurrence of any loss or damage all benefit under this Policy shall be forfeited.
4. All insurance under this Policy
(1) on any building or part of any building,
(2) on any property contained in any building,
(3) on rent or other subject-matter of insurance in respect of or in connection with any building or any property contained in any building,
shall cease immediately upon any fall or displacement
(a) of such building or of any part thereof,
(b) of the whole or any part of any range of buildings or of any structure of which such building forms part.
PROVIDED that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof
or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material.
AND PROVIDED that such fall or displacement is not caused by fire, loss or damage by which is covered by this Policy or would be covered if such building, range
of buildings or structure were insured under this Policy.
In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Assured.
5. This insurance does not cover
(a) Loss by theft during or after the occurrence of a fire.
(b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with
Condition 7 (f), or by its undergoing any heating or drying process).
(c) Loss or damage occasioned by or through or in consequence of
(1) The burning of property by order of any public authority.
(2) Subterranean Fire.
6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed
to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any
of such occurrences, namely :-
(1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance.
(2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion,
revolution, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or mainte-
nance of martial law or state of siege.
Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned
by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this insurance, except
to the extent that the Assured shall prove that such loss or damage happened independently of the existence of such abnormal conditions.
In any action, suit or other proceeding, where the Company alleges that by reason of the provisions of this condition any loss or damage is not covered by this insurance,
the burden of proving that such loss or damage is covered shall be upon the Assured.
7. Unless otherwise expressly stated in the Policy this insurance does not cover
(a) Goods held in trust or on commission.
(b) Bullion or unset precious stones.
(c) Any curiosity or work of art for an amount exceeding £20.
(d) Manuscripts, plans, drawings or designs, patterns, models or moulds.
(e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books.
(f) Coal, against loss or damage occasioned by its own spontaneous combustion.
(g) Explosives.
(h) Any loss or damage occasioned by or through or in consequence of explosion ; but loss or damage by explosion of gas used for illuminating or domestic purposes
in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this policy.
(i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and
the clearing of lands by fire.
8. Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Assured, before the occurrence of any loss or
damage, obtains the sanction of the Company signified by endorsement upon the Policy, by or on behalf of the Company.
(a) If the trade or manufacture carried on be altered or if the nature of the occupation of or other circumstances affecting the building insured or containing the
insured property be changed in such a way as to increase the risk of loss or damage by fire.
(b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days.
(c) If property insured be removed to any building or place other than that in which it is herein stated to be insured.
(d) If the interest in the property insured pass from the Assured otherwise than by will or operation of law.
9. This insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence
of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies
had this insurance not been effected.
10. This insurance may be terminated at any time at the request of the Assured, in which case the Company will retain the customary short period rate for the time the
policy has been in force. This insurance may also at any time be terminated at the option of the Company, on notice to that effect being given to the Assured, in
which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment.
11. On the happening of any loss or damage the Assured shall forthwith give notice thereof to the Company, and shall within 15 days after the loss or damage, or such
further time as the Company may in writing allow in that behalf, deliver to the Company
(a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property
damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not includ-
ing profit of any kind.
(b) particulars of all other insurances, if any.
The Assured shall also at all times at his own expense produce, procure and give to the Company all such further particulars, plans, specifications, books, vouchers,
invoices, duplicates or copies thereof, documents, proofs and information with respect to the claim and the origin and cause of the fire and the circumstances under which the loss
or damage occurred, and any matter touching the liability or the amount of the liability of the Company as may be reasonably required by or on behalf of the Company together
with a declaration on oath or in other legal form of the truth of the claim and of any matters connected therewith.
No claim under this Policy shall be payable unless the terms of this condition have been complied with.
12. On the happening of any loss or damage to any of the property insured by this Policy, the Company may
(a) enter and take and keep possession of the building or premises where the loss or damage has happened.
(b) take possession of or require to be delivered to it any property of the Assured in the building or on the premises at the time of the loss or damage.
(c) keep possession of any such property and examine, sort, arrange, remove, or otherwise deal with the same.
(d) sell any such property or dispose of the same for account of whom it may concern.
The powers conferred by this Condition shall be exercisable by the Company at any time until notice in writing is given by the Assured that he makes no claim under
the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Company shall not by any act done in the exercise or purported exercise of its
powers hereunder, incur any liability to the Assured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim.
If the Assured or any person on his behalf shall not comply with the requirements of the Company or shall hinder or obstruct the Company in the exercise of its powers
hereunder, all benefit under this Policy shall be forfeited.
The Assured shall not in any case be entitled to abandon any property to the Company whether taken possession of by the Company or not.
13. If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Assured
or any one acting on his behalf to obtain any benefit under this Policy ; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Assured ; or, if
the claim be made and rejected and an action or suit be not commenced within three months after such rejection, or (in case of an arbitration taking place in pursuance of the
18th condition of this Policy) within three months after the arbitrator or arbitrators or umpire shall have made their award, all benefit under this Policy shall be forfeited.
14. The Company may at its option reinstate or replace the property damaged or destroyed, or any part thereof, instead of paying the amount of the loss or damage,
or may join with any other Company or Assurers in so doing, but the Company shall not be bound to reinstate exactly or completely, but only as circumstances permit and in
reasonably sufficient manner, and in no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time
of the occurrence of such loss or damage, nor more than the sum assured by the Company thereon.
If the Company so elect to reinstate or replace any property the Assured shall, at his own expense, furnish the Company with such plans, specifications, measurements,
quantities, and such other particulars as the Company may require, and no acts done, or caused to be done by the Company with a view to reinstatement or replacement shall
be deemed an election by the Company to reinstate or replace.
If in any case the Company shall be unable to reinstate or repair the property hereby insured, because of any municipal or other regulations in force affecting the align-
ment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair
such property if the same could lawfully be reinstated to its former condition.
15. The Assured shall, at the expense of the Company, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or
reasonably required by the Company for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Company shall be
or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary
or required before or after his indemnification by the Company.
16. If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting insurance or insurances, whether effected by the Assured
or by any other person or persons, covering the same property, this Company shall not be liable to pay or contribute more than its ratable proportion of such loss or damage.
17. If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Assured shall be consi-
dered as being his own insurer for the difference, and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately
subject to this condition.
18. If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator,
to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one
shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall
refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appointment, the other party shall be at liberty to appoint a
sole arbitrator ; and in case of disagreement between the arbitrators, the difference shall be referred to the decision of an umpire who shall have been appointed by them in writing
before entering on the reference and who shall sit with the arbitrators and preside at their meetings. The death of any party shall not revoke or affect the authority or powers
of the arbitrator, arbitrators or umpire respectively ; and in the event of the death of an arbitrator or umpire, another shall in each case be appointed in his stead by the party
or arbitrators (as the case may be) by whom the arbitrator or umpire so dying was appointed. The costs of the reference and of the award shall be in the dis-
cretion of the arbitrator, arbitrators or umpire making the award. And it is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action
or suit upon this Policy that the award by such arbitrator, arbitrators or umpire of the amount of the loss or damage if disputed shall be first obtained.
19. In no case whatever shall the Company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the
claim is the subject of pending action or arbitration.
20. Every notice and other communication to the Company required by these Conditions must be written or printed.
B01 · header / latin
THE SCHEDULE.
B02 · form / mixed
Premium :: Fils 750 @ 2/500%o
Policy No.: 42 / 12870
The Assured: The President of the Jewish Community,
Address: B a g h d a d .
B03 · form / latin
Period of Insurance From the Fourteenth day of September 194 2
until 4 o'clock (Standard Time) on the afternoon
of the Fourteenth day of September 194 3
B04 · table / latin
THE PROPERTY. | SUM(S) ASSURED.
IRAQ DINARS THREE HUNDRED ONLY. | ID 300/---
B05 · paragraph / latin
On office furniture, fixtures and fittings including carpets, books,
stationery, safe, typewriters and similar articles his own, in trust, in
deposit or on commission for which he may be responsible while contained
and/or in use in a building occupied as office of the Jewish President,
ground and one storey in height, brick-built with brick-arched and/or
chundal roofing, bearing Municipal No. 16/118, situate at Towrat quarter,
Baghdad.
B06 · paragraph / latin
In the event of loss or damage no single article to be declared for
insurance at more than ID 22/500 except:-
B07 · table / latin
(1) Remington Typewriter (Arabic). | ID 37/---
(2) One Persian Carpet. | 25/---
(3) One Iron safe. | 37/---
B08 · paragraph / latin
Subject to warranties and clauses as per sheet attached.
B09 · stamp / mixed
العراق ⟦illegible⟧ مالية
10 ⟦illegible⟧ فلوس
15/ 2
BAGHDAD
B10 · paragraph / latin
In Witness Whereof the undersigned being duly authorised by the Directors
of the said Company, and on behalf of the said Company, has hereunto set his hand at Baghdad
the Fifteenth day of September 194 2.
B11 · form / latin
Examined.: ⟦line⟧
Agent/Broker.: ⟦line⟧
B12 · signature / latin
⟦illegible signature⟧
B01 · header / latin
THE SOUTH BRITISH
INCORPORATED IN NEW ZEALAND
INSURANCE COMPANY, LTD.
MARINE · FIRE · ACCIDENT
FIRE POLICY
B02 · form / latin
No.: 42/12870 ID 300/---
NAME: The President of the Jewish Community, Baghdad.
ON: Office furniture.
SITUATION: No.16/118 Towrat quarter Baghdad.
EXPIRES: 14th September 1943.
B03 · paragraph / latin
at 4 o'clock (S.T.) in the afternoon
The Assured is requested to read the Conditions of this Policy.
B04 · footer / latin
T.I.P.—J.2894-40
B05 · stamp / unknown
⟦illegible circular stamp⟧
B06 · marginalia / unknown
⟦illegible handwritten marks⟧
B01 · header / latin
IRAQ AGENCY.
No. 42 / 12870
B02 · header / latin
The South British Insurance Company Limited.
B03 · stamp / latin
THE SOUTH BRITISH INSURANCE COMPANY LIMITED
B04 · form / latin
Baghdad,: 15th September 194 2
Received from: The President of the Jewish Community, Baghdad.
the sum of I. D.: Fils 750
being amount of Premium as noted below for: fire
insurance to the extent of I. D.: 300/---
under Policy No.: 42/ 12870
from: 14th September 1942
to: 14th September 194 3
at 4 p. m., Standard Time.:
Premium, I. D.: Fils 750
B05 · signature / latin
⟦signature⟧
Chief Agent. Chief Agent.
B01 · header / latin
The South British Ins Company Limited.
B02 · form / latin
Attached to and forming part of Policy No.: 42/ 12870
B03 · paragraph / latin
This Company is expressly declared to be free from liablity for loss-of or damage to any
electrical machine, apparatus, fixtures or fittings [ tncluding electric fans, electric household or domestic
appliances, wireless sets and radios ] or to any portion of the electrical installation, arising from or
occasioned by overrunning, excessive pressure, short-circuiting, arcing, self-heating or leakage of
electricity from what-ever cause [ lightning included ] ; provided that this exemption shall apply only to
the particular electrical machines, apparatus, fixtures, fittings or portions of ihe electrical installation
which may be destroyed or damaged by fire so set up.
B04 · paragraph / latin
This Company is expressly declared to be free from liability for loss of or damage to
heating and cooking stoves caused directly by their own heat &/or flames.
B05 · paragraph / latin
Lighting and heating by firewood, coal, keorsene, and/or electricity allowed.
B06 · paragraph / latin
Notwithstanding any provision of law to the contrary or any provisions here-of the
Company shall in no event be liable for more than the value of the property insured here-by at the
time of any loss or damage happening thereto.
B07 · stamp / latin
THE SOUTH BRITISH INSURANCE CO. LTD.
BAGHDAD
B08 · signature / unknown
⟦signature⟧
B01 · paragraph / latin
In these days of difficult conditions and
possible emergency in order that you may assist us
to protect your interest it is recommended that you
furnish the Company with your instructions at
least fifteen days before renewal date.
At the same time your attention is invited to
the possible need for revision in values consequent
upon the war.