AI English Translation, Pages 1-25
Guardian Assurance Company Limited.
THE CONDITIONS UPON WHICH THIS POLICY IS GRANTED.
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.
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.
U.A. 226.—9-33.
With compliments
The Iraq Insurance Office Company Limited
(Incorporated in Iraq)
111/9 Mustansir Street, Phone No. 598
With Compliments from
The Iraq Insurance Office Ltd.
(INCORPORATED IN IRAQ)
111/9 Mustansir Street, Baghdad
Phone No. 598
Guardian Assurance Company
Limited.
Subscribed Capital: £ 2,059,971.
Paid up Capital: £ 1,024,578.
No.: 7613509
Established: 1821.
Agency: Iraq.
SUM INSURED: ID.1750/-.
PREMIUM: ID.3/282
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 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.
Notwithstanding ⟦illegible⟧
contrary or ⟦illegible⟧
shall in no event ⟦illegible⟧
of the property insured ⟦illegible⟧
loss or damage happening ⟦illegible⟧
IRAQ POSTAGE 5 FILS
IRAQ ⟦illegible⟧
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.
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.
Witness
THE IRAQ INSURANCE OFFICE LTD.
⟦signature⟧
For the Guardian Assurance Company Limited,
Managing Director per Power of Attorney
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. ⟦line⟧ 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.⟧
IRAQ REVENUE 20 FILS
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.
Witness
THE IRAQ INSURANCE OFFICE LTD.
⟦illegible signature⟧
For the Guardian Assurance Company Limited,
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
With compliments
The Iraq Insurance Office Company Limited
(Incorporated in Iraq)
111/9 Mustansir Street, Telephone No. 598
With Compliments from
The Iraq Insurance Office Ltd.
(INCORPORATED IN IRAQ)
111/9 Mustansir Street, Baghdad
Phone No. 598
Guardian
Assurance Company Limited,
LONDON.
ESTABLISHED 1821.
HEAD OFFICE:
68, KING WILLIAM STREET, LONDON, E.C. 4.
No.: 7613508
The: Jewish Council
Sum Assured: ID.2750/-
Premium: ID.5/156
Expires: 24th April 1940
Guardian Assurance Company Limited.
THE CONDITIONS UPON WHICH THIS POLICY IS GRANTED.
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.
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.
⟦illegible⟧.A. 226.-9-33.
EZRA E. ANI.
P. O. BOX No. 48.
TELE { GRAMS : EZRANI
PHONE : MULHAK 2129
Baghdad, ⟦illegible⟧ 193
Baghdad on ⟦illegible⟧ April 929
CODES USED { A. B. C. 5TH EDITION
BENTLEY'S
PRIVATE
To the Honorable President of the Community Council
Baghdad
After greetings and respect, it is submitted that ⟦illegible⟧ we have insured the schools belonging
to the community according to this detail:
Diyar Council, insurance fee for school building No. 78 located in the Torah quarter, in the amount of Dinars
147
" " insurance " " No. 172 " " " " " "
144
Accordingly, we present to you the insurance policies and request you to pay the fee amount in our name.
With great respect and gratitude.
156 228 8
2750 1750
1750
On behalf of ⟦illegible⟧
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.
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 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.
THE SCHEDULE.
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.
⟦illegible⟧
IRAQ
15 FILS
BAGHDAD
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:-
(1) Remington Typewriter (Arabic). | ID. 42/---
(2) One Persian Carpet . | 30/---
(3) One Iron safe. | 40/---
Subject to warranties and clause as per sheet attached.
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 .
Examined: ⟦line⟧
Agent/Broker: ⟦line⟧
Manager: ⟦line⟧
SOUTH BRITISH
INCORPORATED IN NEW ZEALAND
INSURANCE COMPANY, LTD.
MARINE · FIRE · ACCIDENT
FIRE POLICY
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
The Assured is requested to read the Conditions of this Policy.
⟦illegible⟧
President of the Community
T.I.P.—J.3243-44.
Form No. 1.
IRAQ AGENCY.
No. 42 / 13962.
The South British Insurance Company Limited.
THE SOUTH BRITISH INSURANCE COMPANY LIMITED
SOUTH BRITISH
⟦illegible⟧
BAGHDAD
Iraq 8 Fils
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.
⟦signature⟧
Chief. Agent.
The South British Ins Company Limited.
Attached to and forming part of Policy No.: 42/13962.
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.
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.
Lighting and heating by firewood, coal, keorsene, and/or electricity allowed.
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.
⟦illegible⟧
BAGHDAD
⟦signature⟧
POSTAGE 40 FILS
REVENUE
IRAQ
⟦illegible⟧
The Iraq Insurance Office Limited
Baghdad
BAGHDAD
THE IRAQ INSURANCE OFFICE LTD.
FOREIGN FIRE.
No. 64730
Guardian Assurance Company Limited.
(INCORPORATED IN ENGLAND.)
Head Office: ⟦line⟧ 68, King William Street, London, E.C.4.
'Iraq Agency.
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/-
⟦illegible signature⟧
Agent.
F. 21—3/31.
FOREIGN FIRE.
No. 64521
Iraq Agency.
Guardian Assurance Company Limited.
(INCORPORATED IN ENGLAND.)
Head Office:— 68, King William Street, London, E.C. 4.
⟦illegible⟧
5 MAR 1943
BAGHDAD
IRAQ POSTAGE REVENUE 40 FILS
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/-.
THE IRAQ INSURANCE OFFICE LTD.
⟦signature⟧
Managing Director Director Agent.
F. 21—3/31.
The South British Insurance Company Limited
(Incorporated in New Zealand)
THE SOUTH BRITISH INSURANCE COMPANY LIMITED
Marine . Fire . Accident
Policy No: 42/1287
Price: 1/500
Sum Insured: 700 Dinars
Insurance Premium: ⟦illegible⟧
Whereas
(hereinafter called the Insured) to The South British Insurance Company Limited (hereinafter called the Company) the sum of ⟦illegible⟧
being the insurance premium for ⟦illegible⟧ mentioned below on the property described hereafter in the following amount or amounts, namely:-
⟦illegible⟧
In case of ⟦illegible⟧ loss or damage not exceeding the amount of ⟦illegible⟧
Furniture ⟦illegible⟧
270 Value of ⟦illegible⟧
250 Dodge Car
47 Iron Safe Story
The Company shall not in any case be liable for more
than the value of the property insured under this policy at the time
of the occurrence of the loss or damage, even if there is a legal provision to the contrary
or notwithstanding any condition of this policy.
Lighting, heating, and cooking are permitted by
wood, coal, oil, and/or electricity
Therefore, let it be known that from the fourteenth day of September 1942 to the fourteenth day of September 1943 at four o'clock in the afternoon of the said day and for every period
thereafter for which the said Insured or his heirs, executors, or administrators shall have paid from time to time the sums required for the renewal of this policy or ordered them to be paid if the Board of Directors of this Company accepts
the said sums, then the assets and funds of the said Company shall be liable and bound to pay or compensate the said Insured or his heirs, executors, or administrators for the loss or damage caused by fire to the property
mentioned above insured hereby, including damage resulting from lightning whether the insured property is burnt or not, provided that it does not exceed, in respect of each property, the amount or amounts specified and stipulated above separately for that property.
It is stipulated in any case that this insurance must be at all times and in all circumstances subject to the conditions and provisions printed on the back of this paper, those conditions and provisions which form the basis of this insurance and which
must be considered as included in this policy as part of it.
And for the purpose of declaration, the undersigned, duly authorized by the Board of Directors of the said Company and on behalf of the said Company, has signed his signature
in Baghdad on the fifteenth day of September 1942
Rifaat Kamal
The most important conditions and provisions mentioned in this policy are as follows:-
1- If there is a material discrepancy in the description of any of the property insured hereby, or in the description of the building or premises in which the said property may be contained, or if an incorrect statement is found regarding a matter the knowledge of which is material for assessing the risk, or if it is found that such a matter was omitted, the Company shall not be liable under this policy in respect of the property for which the discrepant description, incorrect statement, or omission occurred.
2- No payment for the insurance premium shall be considered a payment to the Company unless a printed receipt form is given to the insured for it, signed by an employee of the Company or a duly appointed agent thereof.
3- The insured must inform the Company of every insurance transaction that has previously occurred or may occur thereafter, or of all such transactions if they relate to any of the property insured hereby. All rights under this policy shall be forfeited if the said notification is not made and the details of the said insurance transaction or transactions are not included in this policy or do not appear thereon by the Company or its representative before the occurrence of any loss or damage.
4- Every insurance under this policy
(1) on any building or part thereof
(2) on any property contained in any building
(3) on rent or any other form of insurance related to any building or any property contained in any building.
terminates immediately upon the fall or displacement of
(a) the said building or any part thereof
(b) all or part of the range of buildings or structures of which that building is a part.
Provided that the said fall or displacement must affect the whole of the said building or a substantial or important part thereof, or impair the utility thereof or the utility of a part thereof, or make the said building or a part thereof or any property contained therein exposed to a greater fire risk than before, or otherwise have a material effect.
Provided also that the said fall or displacement was not caused by a fire for which the loss or damage arising therefrom is covered by this policy, or would have been covered if the said building had been insured under this policy or if the said range of buildings or structures had been insured thereunder.
In every claim or other proceeding, the burden of proving that the fall or displacement was caused by fire as aforesaid shall lie upon the insured.
5- This insurance does not cover:-
(a) Loss arising from theft during or after the occurrence of a fire
(b) Loss or damage to property if it arises from its own fermentation, natural heating, or spontaneous combustion (except as provided in paragraph (f) of Condition 7) or if it occurs as a result of a heating or drying process applied to it
(c) Loss or damage arising due to or as a result of
(1) Burning ⟦...⟧ official authority
(2) Fire ⟦...⟧ the earth
6- This insurance does not cover loss or damage which, either in its origin or in its amount, has arisen or is directly or indirectly related to any of the following events or resulted therefrom as a proximate or remote consequence, or for which those events were the proximate or remote, direct or indirect causes, whether in its origin or in its amount, and those events are:-
(a) Earthquakes, volcanic eruptions, atmospheric storms, whirlwinds, hurricanes, and other atmospheric disturbances
(b) Wars, invasion, acts of foreign enemies, hostilities, and warlike operations (whether war be declared or not), rebellion, riot, disturbances, revolution, conspiracy, military or usurped power, or sedition, martial law, or any events or causes which lead to the proclamation or maintenance of martial law
Any loss or damage occurring during the existence of abnormal conditions (whether physical or not) and which was directly or indirectly a proximate or remote result of one of the mentioned events, or if those events were proximate or remote, direct or indirect causes, proximate or remote in the estimation of the loss or damage, shall not be covered by this policy except to the extent that the insured proves that the said loss or damage occurred independently of the existence of the said abnormal conditions.
In every claim or other proceeding, whenever the Company alleges that the loss or damage is not covered by this insurance due to the provisions of this condition, the cost of proving that the insurance covers the loss or damage shall lie upon the insured.
7- This insurance does not cover the following items unless expressly stated otherwise in this policy, namely:-
(a) Goods held in trust or on commission
(b) Bullion and unset precious stones
(c) Curiosities and works of art for an amount exceeding twenty pounds
(d) Manuscripts, maps, drawings, patterns, and molds
(e) Shares, bonds, and papers of any kind, stamps, coins, banknotes, checks, account books, and other business books
(f) Coal, in respect of loss or damage caused by its own spontaneous combustion.
(g) Explosive materials
(h) Any loss or damage caused by, through, or in consequence of explosion; however, loss or damage caused by the explosion of gas used for lighting or domestic purposes in a building where gas is not generated and which does not form part of a gasworks shall be considered damage arising from fire within the meaning of this policy
(i) Any loss or damage caused by, through, or in consequence of the burning of forests, scrublands, jungles, and pastures, or from clearing land by fire, whether occurring accidentally or otherwise.
8- In any of the following circumstances, the insurance ceases to attach to the property affected unless the insured obtains the sanction of the Company signified by endorsement hereon by or on behalf of the Company before the occurrence of loss or damage, namely:-
(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 becomes unoccupied and remains so for a period exceeding thirty days.
(c) If the insured property be removed to any building or place other than that in which it is stated in this policy to be insured.
(d) If the interest of the insured in the insured property passes from him 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 occurrence of such loss or damage, is insured 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 said 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 premium at the customary short-period rate for the time the policy has been in force. This insurance may also be terminated at any time at the option of the Company by giving notice 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 cancellation.
11- On the happening of any loss or damage, the insured shall forthwith give notice thereof to the Company and shall within fifteen 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 or 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 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 under this policy, the Company may
(a) Enter the building or place where the loss or damage has happened and take and keep possession thereof
(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 the said property and examine, sort, arrange, remove, or otherwise deal with it
(d) Sell the said property or dispose of it for account of whom it may concern
The powers conferred by this condition may be exercised by the Company at any time until notice in writing is given by the insured that he makes no claim under this 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 under this condition, 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 willful 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 within three months after the arbitrator or arbitrators or umpire shall have made their award in case of an arbitration taking place under Condition 18 of this policy, 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 companies 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 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 regarding 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, the 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 share 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 two arbitrators, one to be appointed in writing by each of the parties within two calendar months after having been required in writing so to do by either of the parties. 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. 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. In the event of the death of an arbitrator or umpire, another shall be appointed in his stead by the party or person who appointed the deceased arbitrator or umpire, as the case may be. 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 writing or printed.
The insurance contract Arabic and English text in this policy, the English text shall prevail.
Commercial Press * Baghdad
Baghdad Agency.
Renewal No. 42/2671.
The South British Insurance Company, Limited.
AUTHORISED CAPITAL £ 2,000,000.
SUBSCRIBED & PAID UP CAPITAL £ 1,031,640.
THE LIABILITY OF MEMBERS OF THE COMPANY IS LIMITED
INCORPORATED IN NEW ZEALAND
IRAQ POSTAGE
15 FILS
15 Fils
⟦illegible⟧
BOMBAY BRANCH: BUILDING HORNBY ROAD, FORT,
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.)
This Renewal is subject to such Tariff Rates and Regulations as may be in force at the date from which the policy is renewed.
For The South British Insurance Co., Ltd.
H. D. Shohet & E. Akered Ltd.
CHIEF AGENT Agent.
** 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, LTD.
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.
THE SCHEDULE.
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 .
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
THE PROPERTY. | SUM(S) ASSURED.
IRAQ DINARS THREE HUNDRED ONLY. | ID 300/---
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.
In the event of loss or damage no single article to be declared for
insurance at more than ID 22/500 except:-
(1) Remington Typewriter (Arabic). | ID 37/---
(2) One Persian Carpet. | 25/---
(3) One Iron safe. | 37/---
Subject to warranties and clauses as per sheet attached.
Iraq ⟦illegible⟧ Financial
10 ⟦illegible⟧ Fils
15/ 2
BAGHDAD
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.
Examined.: ⟦line⟧
Agent/Broker.: ⟦line⟧
⟦illegible signature⟧
THE SOUTH BRITISH
INCORPORATED IN NEW ZEALAND
INSURANCE COMPANY, LTD.
MARINE · FIRE · ACCIDENT
FIRE POLICY
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.
at 4 o'clock (S.T.) in the afternoon
The Assured is requested to read the Conditions of this Policy.
T.I.P.—J.2894-40
⟦illegible circular stamp⟧
⟦illegible handwritten marks⟧
IRAQ AGENCY.
No. 42 / 12870
The South British Insurance Company Limited.
THE SOUTH BRITISH INSURANCE COMPANY LIMITED
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
⟦signature⟧
Chief Agent. Chief Agent.
The South British Ins Company Limited.
Attached to and forming part of Policy No.: 42/ 12870
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.
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.
Lighting and heating by firewood, coal, kerosene, and/or electricity allowed.
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.
THE SOUTH BRITISH INSURANCE CO. LTD.
BAGHDAD
⟦signature⟧
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.