Correspondence, Insurance Receipts, Rental Agreement, Electricity Bills, Baghdadi Jewish Community
View interactive document pageThese are archival documents from the Baghdadi Jewish community. Included are rental agreements between the President of the Jewish community and various community members; ledgers of property holdings; correspondence regarding the distribution of endowments to schools and hospitals; legal paperwork for establishment of an endowment; insurance policy invoices from the South British Insurance Company, L’Union and the Iraq Insurance Office; insurance policies issued by the Legal & General Assurance Society Limited and the South British Insurance Company, electricity and water bills; and contracts. The insurance policies cover everything from fire and auto to typewriters and Persian rugs. Many of the documents are administered by the Jewish Lay Council, overseen by Eliyahu Hiam Youfek or Heskel David Shemtob.
THE SOUTH BRITISH INCORPORATED IN NEW ZEALAND INSURANCE COMPANY, LTD. MARINE · FIRE · ACCIDENT FIRE POLICY No.: 42/14842 NAME: M/s The Jewish Lay Council SUM ASSURED RS.: ID. 1000/- ON: Building No. 73/139 SITUATION: Towrat Str., EXPIRES: 1st January, '51 The Assured is requested to read the Conditions of this Policy. T.I.P.—B. 1114-47. Form No. 1
SOUTH BRITISH INSURANCE COMPANY, LIMITED. Messrs. D. & S. E. EZRA, LTD., - Gen. Agents. Commercial Bank Building, BAGHDAD. The Jewish Lay Council, Baghdad. Dear Sirs, Re: Policy No. F. ⟦...⟧ We beg to advise you that we hold covered the undermentioned property against the risk of Fire for a period of ⟦...⟧ months from ⟦...⟧ Sum Insured I.D. 1,000/-/- Rate % ⟦...⟧ Premium I.D. ⟦...⟧ Situation: ⟦...⟧ Description: On ⟦...⟧ [Signature] Yours faithfully, [Signature] For THE SOUTH BRITISH INSURANCE CO. LTD. [Signature] ⟦...⟧ [Signature] Agents. [Marginalia] (d) If the interest in the p [Marginalia] 9. This insurance does not cove [Marginalia] of this Policy, be insured by any Marine P [Marginalia] had this insurance not been effected. [Marginalia] 10. This insurance may be termi [Marginalia] policy has been in force. This insurance [Marginalia] which case the Company shall be liable t [Marginalia] 11. On the happening of any lo [Marginalia] further time as the Company may in wri [Marginalia] (a) a claim in writing for t [Marginalia] damaged or destroye [Marginalia] ing profit of any kin [Marginalia] (b) particulars of all other [Marginalia] The Assured shall also at all ti [Marginalia] invoices, duplicates or copies thereof, doc [Marginalia] or damage occurred, and any matter tou [Marginalia] with a declaration on oath or in other l [Marginalia] No claim under this Policy shal [Marginalia] 12. On the happening of any lo [Marginalia] (a) enter and take and kee [Marginalia] (b) take possession of or r [Marginalia] (c) keep possession of any [Marginalia] (d) sell any such property [Marginalia] The powers conferred by this C [Marginalia] 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. 1/875 @ 1/875%0. Policy No.: 42/14842 The Assured: The Jewish Lay Council Address: B a g h d a d . Period of Insurance: From the First day of January 194 50 until 4 o'clock (Standard Time) on the afternoon of the First day of January 194 51 | THE PROPERTY. | SUM(S) ASSURED. | | | ID. 1000/-- . | IRAQ DINARS ONE THOUSAND ONLY On an attached building (Excluding plinths, foundations and pavements) occupied as dwelling only, ground and one storey in height, brick-built with brick-arched roofing, bearing Municipal No.73/139 , situate at Towrat Quarter, Baghdad. Lighting and heating by firewood, coal, kerosene and/or electricity allowed. ⟦faint text block⟧ Notwithstanding Any provision of law to the ⟦illegible line⟧ ⟦illegible line⟧ ⟦illegible line⟧ [Stamp] ⟦Two revenue stamps with portrait of young King Faisal II⟧ [Stamp] ⟦Left stamp: 20 Fils⟧ [Stamp] ⟦Right stamp: 10 Fils⟧ 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 10th day of January 194 50 [Signature] For The South British Insurance Co. Ltd. [Signature] ⟦Signature⟧ Examined: ⟦line⟧ Agent/Broker: ⟦line⟧
(d) If the interest in the property insured pass from the Assured otherwise than by ⟦...⟧ 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. 3571. EXPIRY NOTICE. الطائفة TELEPHONE Nos. Office : 3946. Residence : 4557. THE SOUTH BRITISH INSURANCE COMPANY, LIMITED. Messrs. H. D. SHOHET & E. AKEREB, LTD.—Chief Agents. Samawaal (Banks') Street, BAGHDAD,: 19: . M/s. The Jewish Lay Council, ⟦line⟧ Sir, For your security I beg to remind you of the expiry of your policy as described below. [Signature] I am, Sir, [Signature] Yours faithfully, [Signature] W H Shohet [Signature] Agents. Policy No.: 42/ 13496 Expiry Date at 4 p.m. (S.T.): 1 - 1 - 19 50 . Sum Insured I. D.: 1,100/- Premium I. D.: ⟦line⟧ [Marginalia] 400 [Marginalia] 1000 on: building of dwellings only, Mpl. No.73/139, at: Towrat Quarter, Baghdad. N. B. 1. If any alteration has been made by which the risk has been increased or otherwise changed the circumstances should be made known to the Company's Agent. N. B. 2. The rates in respect of this policy are subject to alteration in the event of the Tariff ratings being revised at the time of the renewal. Form No. 62. B.I.P.—722—3-49. [Marginalia] 42/ 14842 uary 194 50 uary 194 51 SUM(S) ASSURED. ID. 1000/--- ndations and pavements) ht, brick-built situate at ne and/or electricity [Stamp] العراق [Stamp] مالية [Stamp] ٢٥ فلسا [Stamp] انقاذ [Stamp] فلسطين [Stamp] ١٠ فلوس 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 10th day of January 194 50 Examined: ⟦line⟧ Agent/Broker: ⟦line⟧ [Stamp] For The South British Insurance Co. Ltd.
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. 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. 1932 The South British Insurance Company, Limited. Baghdad, 5th Feb 1950 RECEIVED from: M/s. The Jewish Lay Council, Baghdad the sum of Iraq Dinars: Three & fils three hundred seventy five only, being premium due under fire policies Nos. 42/148 & 41/2 for £ 1000/- & £ 1000/-, paid as per O.B. cheque No. 692430 I.D.: 3/375 [Signature] For The South British Insurance Company Limited., [Signature] H. D. SHOHET & E. AKEREB LTD. [Signature] ⟦illegible⟧ [Signature] Chief Agent [Stamp] 8 فلس at Towrat quarter, Baghdad. N. B. 1. If any alteration has been made by which the risk has been increased or otherwise changed the circumstances should be made known to the Company's Agent. N. B. 2. The rates in respect of this policy are subject to alteration in the event of the Tariff ratings being revised at the time of the renewal. Form No. 62. B.I.P.—722—3-49. [Stamp] 25 فلس [Stamp] 10 فلس [Stamp] ⟦illegible⟧ 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: 10th day of: January 194: 50 Examined: ⟦illegible⟧ Agent/Broker: ⟦illegible⟧ [Signature] For The South British Insurance Co. Ltd. [Signature] ⟦illegible⟧
Form No. 1. 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. شركة المكتب العراقي للتأمين المحدودة ( المؤسسة في العراق ) The Iraq Insurance Office Ltd. ( INCORPORATED IN IRAQ ) Directors EZRA E. ANI Chairman E. D. H. HAIM Y. Y. NOONOO S. D. TAWFIK N. J. AMBER PHONE NO. 7807 HEAD OFFICE: 96-9 MUSTANSIR STREET Baghdad March 1950. ( POST BOX NO. 129 ) To: The Jewish Lay Council. حضرة: Dear Sir(s), نخبركم بان صك التأمين المرقم We have to inform you that your Motor Policy No. 9189. لشركة كارديان للتأمين المحدودة with the GUARDIAN ASSURANCE Co. Ltd. for the sum of I.D. 1000/- بمبلغ ديناراً لقاء التأمين على covering Chevrolet Bd. 330. يستحق في سنة ١٩ expires on the 25th March, 1950 ان بدل التأمين لتجديده لمدة شهراً The premium for renewal for 12 ID. 24.975 months will be I.D. 24/975 and we 10% " 2.497 No Claim Bonus. يبلغ ديناراً فالرجاء تزويدنا بتعليماتكم shall be glad to receive your instructions. ID. 22.478. عن ذلك . وتفضلوا بقبول فائق الاحترام . [Signature] Yours faithfully, [Signature] For THE IRAQ INSURANCE OFFICE LTD. [Signature] ⟦handwritten signature⟧ NOTE:- If the nature of risk be in any respect changed, it is necessary for your security that the circumstances are made known to this office. ١ - من الضروري ان تخبرونا عن جميع تغير الذي يحدث في نوع المخاطرة على اموالكم المؤمنة . Please estimate the present value of the property to be insured as the insurance Company takes no responsibility in the matter. ٢ - الرجاء ان تقدروا قيمة اموالكم الحالية لان شركة التأمين لا تكون مسؤولة في هذا الصدد . [Marginalia] المي ⟦illegible⟧ [Marginalia] للحفظ ⟦illegible⟧ [Marginalia] ٥/٢/١٩ [Stamp] ⟦illegible blue circular stamp⟧
No. 6900 Baghdad, 31st March 1949 THE IRAQ INSURANCE OFFICE LTD. (INCORPORATED IN IRAQ) Received from: Rabbi Sasson Khedhoory the sum of Iraq Dinars: Twenty Two only against: Motor Car Insurance as per: Cheque I. D. 22/- [Stamp] 31 MAR 1949 [Stamp] ٨ فلس 8 [Signature] For THE IRAQ INSURANCE OFFICE LTD. [Signature] ⟦illegible⟧
شركة المكتب العراقي للتأمين المحدودة Debit Note No 215 ( المؤسسة في العراق ) BAGHDAD.: 27th March 1949 Dr.: Rabbi Sasson Khedoory TO The Iraq Insurance Office Ltd. (INCORPORATED IN IRAQ) | | I. D. | FILS | | To Mtr Car poly no 9189 | ⟦24⟧ | 975 | | ID Twenty four ⟦dinars⟧ nine hundred | | | | seventy five | | | | Rebate | 2 | 975 | | | 22 | 000 | [Stamp] THE ⟦illegible⟧ [Stamp] ⟦illegible⟧
Guardian Assurance Company Limited. Subscribed Capital £ 2,059,971. Paid up Capital £ 1,024,578. [Stamp] IRAQ [Stamp] POSTAGE REVENUE [Stamp] 25 FILS [Stamp] 100 FILS [Stamp] ⟦Cancellation stamp dates visible: 27 7 48⟧ INCORPORATED IN ENGLAND. Established 1821. PRIVATE MOTOR CAR (COMPREHENSIVE POLICY) Whereas the Insured designated in the Schedule hereto has applied to the Guardian Assurance Company Limited (hereinafter called "the Company") by a Proposal which the Insured has agreed shall be deemed to be of a promissory nature and effect and the basis of this Contract and which is deemed to be incorporated herein and has paid or agreed to pay the premium stated in the Schedule hereto as consideration for the Indemnity hereinafter contained. Now this Policy Witnesseth that the Company will subject to the Terms Provisions and Conditions contained herein or endorsed hereon indemnify the Insured against loss damage and/or liability as hereunder mentioned actually occurring or arising during the period stated in the Schedule hereto or during any period for which the Company may accept payment for the renewal of this Policy that is to say :— 1. Loss of or Damage to any Motor Car described in the Schedule hereto and necessary Lamps Tyres and Accessories whilst thereon resulting from any Accidental Collision or Overturning or Collision or Overturning consequent upon Mechanical Breakdown or consequent upon Wear and Tear but excluding accidental damage to Tyres unless such Motor Car is damaged at the same time. 2. Loss of or Damage to any Motor Car described in the Schedule hereto and necessary Lamps Tyres and Accessories whilst thereon (a) By Fire External Explosion Self Ignition or Lightning or Burglary Housebreaking or Theft or (b) By Malicious Act or (c) In transit by Road Rail Inland Waterway Lift or Elevator but excluding damage to Tyres unless such Motor Car is damaged at the same time. 3. The cost of protection and removal of any Motor Car described in the Schedule hereto to the nearest repairers in consequence of accident causing damage which is covered hereunder but not exceeding twenty per cent. of the agreed cost of the repairs. 4. Liability at law for compensation (including Law Costs of any claimant) for death of or bodily injury to any person caused by the use of any Motor Car described in the Schedule hereto except where such death or injury arises out of or in the course of the employment of such person by the Insured and excluding liability to a person being a member of the Insured's household. Provided that the liability of the Company is limited in respect of any one claim or series of claims arising out of one event to the sum stated in the Schedule hereto including such Law Costs. 5. Liability at law for compensation (including Law Costs of any claimant) for damage caused by the use of any Motor Car described in the Schedule hereto to property other than property belonging to held in trust by or in the custody or control of the Insured or a member of the Insured's household. Provided that the liability of the Company is limited in respect of any one claim or series of claims arising out of one event to the sum stated in the Schedule hereto including such Law Costs. 6. Liability at law as defined in Clauses 4 and 5 above arising whilst the Insured is personally driving a Private Motor Car not belonging to him and not hired to him under a hire purchase agreement provided that (a) one of the cars described in the Schedule hereto is not in use at the time and (b) the liability of the Company under this Clause shall not exceed the respective limits of indemnity under the aforesaid Clauses 4 and 5. 7. All costs and expenses incurred with the written consent of the Company. It is also agreed that : 8. In the terms of and subject to the limitations of and for the purposes of Clauses 4 5 and 7 of this Policy the Company will at the request of the Insured treat as though he were the Insured any relative or friend of the Insured whilst driving any Motor Car described in the Schedule hereto for social domestic or pleasure purposes with the Insured's general knowledge and consent provided :— (1) That such relative or friend is not entitled to indemnity under any other Policy. (2) That such relative or friend shall as though he were the Insured observe fulfil and be subject to the Terms Provisions Conditions and Endorsements of this Policy insofar as they can apply. (3) That such relative or friend has not been refused any Motor Vehicle insurance or continuance thereof by any Insurance Company or Underwriter. (4) That such relative or friend is at the time a duly licensed driver. F.M.C. 24. 7.37.
9. The Insured may authorise the repair of any Motor Car described in the Schedule hereto necessitated by damage for which the Company may be liable under this Policy provided :— (a) That the estimated cost of such repair does not exceed the amount stated in the Schedule hereto. (b) That the Company be furnished forthwith with a detailed estimate of the cost and (c) That the Insured shall give the Company every assistance to see that such repair is necessary and the charge reasonable. 10. The Company may at its own option arrange for representation at any Inquest or Fatal Enquiry in respect of any death which may be the subject of indemnity under this Policy and may undertake the defence of proceedings in any Police Court or Court of First Instance in respect of any act or alleged offence causing or relating to any event which may be the subject of indemnity under this Policy. 11. The Company will pay to the Insured the reasonable medical expenses incurred in connection with any bodily injury by violent accidental external and visible means sustained by the Insured or his driver or any occupant of any Motor Car described in the Schedule hereto as the direct and immediate result of an accident to such Motor Car provided that the liability of the Company in respect of any one accident shall not exceed the sum stated in the Schedule hereto. Provided always that the Company shall not be liable to make any payment in respect of :— (a) Any accident loss damage or liability caused or arising outside the geographical area stated in the Schedule hereto. (b) Consequential loss sustained by the Insured or loss of use of any Motor Car described in the Schedule hereto. (c) Wear and Tear and/or depreciation of any Motor Car described in the Schedule hereto or any part of such Motor Car. (d) Mechanical Fracture and/or Mechanical or Electrical Breakdown or failure of any part of any Motor Car described in the Schedule hereto. (e) Damage to any Motor Car described in the Schedule hereto caused by overloading or strain. (f) Any accident loss damage or liability caused or arising whilst any Motor Car in connection with which insurance or indemnity is granted hereunder is let on hire or is being used for racing pace-making reliability trial or speed testing or any purposes in connection with the Motor Trade or for the transport of goods or for the conveyance of passengers for monetary or equivalent consideration or is being driven by the Insured (or by any other person with the general knowledge and consent of the Insured) whilst unlicensed or not qualified at the time to hold a driving licence or whilst under the influence of intoxicating liquor or drugs. (g) Any accident loss damage or liability directly or indirectly proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with Flood Typhoon Hurricane Windstorm Volcanic Eruption Earthquake or other convulsion of nature Invasion the act of Foreign Enemies Hostilities or Warlike Operations (whether before or after Declaration of War) Strike Riot Civil Commotion Rebellion Military or Usurped Power or by any direct or indirect consequences of any of the said occurrences and in the event of any claim hereunder the Insured shall prove that the accident loss damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences or any consequence thereof and in default of such proof the Company shall not be liable to make any payment in respect of such a claim. Provided also that the due observance and fulfilment of the Terms Provisions Conditions and Endorsements of this Policy by the Insured insofar as they relate to anything to be done or complied with by the Insured and the truth of the statements and answers in the said Proposal shall be conditions precedent to any liability of the Company to make any payment under this Policy. No waiver of any of the Terms Provisions Conditions and Endorsements of this Policy shall be valid unless made in writing signed by the Agent of the Company. THE CONDITIONS ABOVE REFERRED TO ARE :— 1. Notice shall be given in writing to the Company immediately upon the occurrence of any accident or loss or damage or in the event of any claim. Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the Insured. Notice shall also be given in writing to the Company immediately the Insured shall have knowledge of any impending prosecution in respect of any occurrence which may give rise to a claim under this Policy. In case of theft or other criminal act which may be the subject of a claim under this Policy the Insured shall give immediate notice to the Police and co-operate with the Company in securing the conviction of the offender. 2. No admission offer promise or payment shall be made by the Insured without the written consent of the Company which shall be entitled if it so desires to take over and conduct in the name of the Insured the defence or settlement of any claim or to prosecute in his name for its own benefit any claim for indemnity or damages or otherwise against any third party and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Company may require. 3. In the event of loss of or damage to any Motor Car described in the Schedule hereto the Company may at its own option repair reinstate or replace such Motor Car or part thereof and/or its accessories or pay in cash the amount of the loss or damage and the liability of the Company shall not exceed the actual value of the parts damaged or lost plus the reasonable cost of fitting and in no case exceed the Insured's estimate of the value of such Motor Car (including Accessories thereon) as specified in the Schedule hereto or the value of such Motor Car (including Accessories thereon) at the time of the loss or damage whichever is the less. 4. The Insured shall take all reasonable steps to safeguard from loss or damage and to maintain in efficient condition any Motor Car described in the Schedule hereto and the Company shall have at all times free and full access to examine such Motor Car or any part thereof or any driver or employee of the Insured. In the event of an accident or breakdown such Motor Car shall not be left unattended without proper precautions being taken to prevent further damage or loss and if such Motor Car be driven before the necessary repairs are effected any extension of the damage or further accident arising shall be entirely at the Insured's own risk. 5. The Company may cancel this Policy by sending seven days' notice by registered letter to the Insured at his last known address and in such event will return to the Insured the premium less the pro rata portion thereof for the period the Policy has been in force or the Policy may be cancelled at any time by the Insured on seven days' notice (provided no claim has arisen during the then current period of insurance) and the Insured shall be entitled to a return of the premium less premium at the Company's Short Period rates for the time the Policy has been in force. 6. If at the time any claim arises under this Policy there is any other existing Insurance covering the same loss damage or liability the Company shall not be liable to pay or to contribute more than its rateable proportion of any loss damage compensation costs or expense. Provided always that nothing in this condition shall impose on the Company any liability from which but for this condition it would have been relieved under the provisions of Proviso (1) of Clause 8 of this Policy. 7. All differences arising out of this Policy shall 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 Arbitrators one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of the parties or in case the Arbitrators do not agree of an Umpire appointed in writing by the Arbitrators before entering upon the reference. The Umpire shall sit with the Arbitrators and preside at their meetings and the making of an Award shall be a condition precedent to any right of action against the Company. If the Company shall disclaim liability to the Insured for any claim hereunder and such claim shall not within twelve calendar months from the date of such disclaimer have been referred to arbitration under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder. Loss of Rugs (Coats or Luggage). In consideration of the payment of an additional premium it is hereby understood and agreed that the Company will indemnify the Insured against loss of or damage to (Rugs-) (Rugs Coats or Luggage) (Rugs Coats or Personal Luggage- excluding money and jewellery and) excluding goods and samples in connection with any trade or business- whilst such property is in or on any Motor Car described in the Schedule hereto where such loss or damage is occasioned by Fire External Explosion Self Ignition or Lightning or Burglary Housebreaking or Theft. Provided always that the liability of the Company hereunder shall be limited to ID.20/000 in respect of any one occurrence. Subject otherwise to the terms provisions and conditions of the Policy. ⟦...⟧ Twenty-fifth ⟦...⟧ ⟦...⟧ Heskel Shemtob ⟦...⟧ ⟦...⟧ Jewish Community, Baghdad. ⟦...⟧ ⟦...⟧ President Jewish Community. ⟦...⟧ ⟦...⟧ Iraqi ⟦...⟧ | Registered Letter and Number | Make of Car | Horse Power | Type of Body | Year of Manufacture | Seating Capacity including Driver | Insured's estimate of Value, including accessories thereon | | BD.330. | CHEVROLET. | 30. | Saloon | 1946. | Five | ID.1000/-. | | Limit of amount of the Company's liability under Clause 4 of the Policy | ... | ... | ... | ... | ... | ID. 10.000/-. | | Limit of amount of the Company's liability under Clause 5 of the Policy | ... | ... | ... | ... | ... | " 20.000/-. | | Maximum amount for which the Insured is permitted to authorise repairs under Clause 9 (a)... | ... | ... | ... | ... | ... | " 10/-. | | Limit of amount of the Company's liability for Medical Expenses under Clause 11 | ... | ... | ... | ... | ... | " 20/-. | In Witness whereof we have hereunto subscribed our names. [Signature] For and on behalf of the Company [Signature] THE IRAQ INSURANCE OFFICE LTD. [Signature] ⟦illegible signature⟧ [Signature] Managing Director [Signature] ⟦illegible signature⟧ [Signature] Director [Signature] by Power of Attorney Exd. Entd.
⟦illegible⟧ In consideration of an additional premium ⟦the Company will indemnify the Insured⟧ against loss of or damage to (Note 2-) Jewellery and articles of personal use whilst such property is in or on any described in the Schedule hereto where such loss or damage is occasioned by Burglary Housebreaking Larceny or Theft or attempt Burglary Housebreaking or Theft. Provided always that the liability of the Company shall be limited to ID.20/000 in respect of any one article Subject otherwise to the Terms Provisions and Conditions of the Policy. [Stamp] For The South British Insurance Co Ltd [Stamp] ⟦Signature⟧ [Stamp] Manager ⟦illegible text in background/faded area⟧ not be liable to make any payment in respect of such a claim. Provided also that the due observance and fulfilment of the Terms Provisions Conditions and Endorsements of this Policy by the Insured insofar as they relate to anything to be done or complied with by the Insured and the truth of the statements and answers in the said Proposal shall be conditions precedent to any liability of the Company to make any payment under this Policy. No waiver of any of the Terms Provisions Conditions and Endorsements of this Policy shall be valid unless made in writing signed by the Agent of the Company. THE CONDITIONS ABOVE REFERRED TO ARE :- 1. Notice shall be given in writing to the Company immediately upon the occurrence of any accident or loss or damage or in the event of any claim. Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the Insured. Notice shall also be given in writing to the Company immediately the Insured shall have knowledge of any impending prosecution in respect of any occurrence which may give rise to a claim under this Policy. In case of theft or other criminal act which may be the subject of a claim under this Policy the Insured shall give immediate notice to the Police and co-operate with the Company in securing the conviction of the offender. 2. No admission offer promise or payment shall be made by the Insured without the written consent of the Company which shall be entitled if it so desires to take over and conduct in the name of the Insured the defence or settlement of any claim or to prosecute in his name for its own benefit any claim for indemnity or damages or otherwise against any third party and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Company may require. 3. In the event of loss of or damage to any Motor Car described in the Schedule hereto the Company may at its own option repair reinstate or replace such Motor Car or part thereof and/or its accessories or pay in cash the amount of the loss or damage and the liability of the Company shall not exceed the actual value of the parts damaged or lost plus the reasonable cost of fitting and in no case exceed the Insured's estimate of the value of such Motor Car (including Accessories thereon) as specified in the Schedule hereto or the value of such Motor Car (including Accessories thereon) at the time of the loss or damage whichever is the less. 4. The Insured shall take all reasonable steps to safeguard from loss or damage and to maintain in efficient condition any Motor Car described in the Schedule hereto and the Company shall have at all times free and full access to examine such Motor Car or any part thereof or any driver or employee of the Insured. In the event of an accident or breakdown such Motor Car shall not be left unattended without proper precautions being taken to prevent further damage or loss and if such Motor Car be driven before the necessary repairs are effected any extension of the damage or further accident arising shall be entirely at the Insured's own risk. 5. The Company may cancel this Policy by sending seven days' notice by registered letter to the Insured at his last known address and in such event will return to the Insured the premium less the pro rata portion thereof for the period the Policy has been in force or the Policy may be cancelled at any time by the Insured on seven days' notice (provided no claim has arisen during the then current period of insurance) and the Insured shall be entitled to a return of the premium less premium at the Company's Short Period rates for the time the Policy has been in force. 6. If at the time any claim arises under this Policy there is any other existing Insurance covering the same loss damage or liability the Company shall not be liable to pay or to contribute more than its rateable proportion of any loss damage compensation costs or expense. Provided always that nothing in this condition shall impose on the Company any liability from which but for this condition it would have been relieved under the provisions of Proviso (1) of Clause 8 of this Policy. 7. All differences arising out of this Policy shall 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 Arbitrators one to be appointed in writing by each of the parties within one calendar month after having been required in writing so to do by either of the parties or in case the Arbitrators do not agree of an Umpire appointed in writing by the Arbitrators before entering upon the reference. The Umpire shall sit with the Arbitrators and preside at their meetings and the making of an Award shall be a condition precedent to any right of action against the Company. If the Company shall disclaim liability to the Insured for any claim hereunder and such claim shall not within twelve calendar months from the date of such disclaimer have been referred to arbitration under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.
Guardian Assurance Company Limited. HEAD OFFICE : 68, KING WILLIAM STREET, LONDON. PRIVATE MOTOR CAR (Comprehensive Policy) No.: 9189. Premium -: ID. 24/975. Renewal Date: 25th March, 1950. Notwithstanding any provision of law to the contrary or any provisions thereof the Company shall in no event be liable under clauses 1,2,3,9 & 11 of this policy for more than the value of property insured at the time of any loss or damage happening the thereto. ........ In the event of a claim for repairs and spare parts being admitted by the Company, it is expressly declared and - agreed that it will be settled on the basis of the prices fixed by the Government and ruling at the time of the loss. -o-o-o- [Signature] I. & C. ADES, LIMITED, [Signature] DIRECTOR. [Stamp] ⟦illegible⟧
2388505 L'UNION FIRE, ACCIDENT and GENERAL INSURANCE COMPANY LIMITED ESTABLISHED IN 1828 Head Office — 9, Place Vendôme - PARIS (Incorporated in France) Renewal <del>OR</del> Policy N°: 11149 NATURE OF THE RISK: CHEVEROLET, SALOON, 30HP., Model-1946, No. BD.330 AMOUNT INSURED: ID.750/- RATE %: - TOTAL PREMIUM: ID.21/175. RECEIVED from H. E. SASSON KHEDOORIE, BAGHDAD................................ the sum of IRAQ DINARS TWENTYONE & FILS ONEHUNDRED SEVENTYFIVE ONLY....... being premium for the Renewal of policy N° 11043 on the same terms and conditions for twelve months from the 15th April,.....1948 at 4 o'clock p. m. to the 15th April,......1949. at 4 o'clock p. m. BAGHDAD, this 12th..... day of A P R I L,....1948. [Signature] Per Pro I. & C. ADES, LTD., For the Company : [Signature] ⟦signature⟧ [Signature] DIRECTOR, Chief Agent [Signature] GENERAL AGENTS. [Stamp] ⟦Revenue stamps: 10 fils, 100 fils⟧ [Stamp] ⟦Circular stamp: I. & C. ADES, LTD - BAGD / INSURANCE DEPT.⟧ I. S. E. N 9051 - Frazier-Soye
IRAK ESTABLISHED 1828 [Stamp] ١٥ فلس [Stamp] 15 FILS [Stamp] IRAQ [Stamp] ١٠ فلوس [Stamp] 10 FILS [Stamp] IRAQ [Marginalia] 147 THE UNION Fire Accident and General Insurance Company Limited (of Paris) (Incorporated in France) MOTOR POLICY (Private and/or Commercial Vehicle) PRIVATE MOTOR CARS. Whereas the Insured designated in the Schedule hereto has applied to THE UNION FIRE, ACCIDENT AND GENERAL INSURANCE COMPANY, LIMITED (hereinafter called "the Company") by a Proposal which the Insured has agreed shall be deemed to be of a promissory nature and effect and the basis of this Contract and which is deemed to be incorporated herein and has paid or agreed to pay the premium stated in the Schedule hereto as consideration for the Indemnity hereinafter contained. Now this Policy Witnesseth that the Company will subject to the Terms Provisions and Conditions contained herein or endorsed hereon indemnify the Insured against loss damage and/or liability as hereunder mentioned actually occurring or arising during the period stated in the Schedule hereto or during any period for which the Company may accept payment for the renewal of this Policy that is to say :— 1. Loss of or Damage to any Motor Car described in the Schedule hereto and necessary Lamps Tyres and Accessories whilst thereon resulting from any Accidental Collision or Overturning or Collision or Overturning consequent upon Mechanical Breakdown or consequent upon Wear and Tear but excluding accidental damage to Tyres unless such Motor Car is damaged at the same time. 2. Loss of or Damage to any Motor Car described in the Schedule hereto and necessary Lamps Tyres and Accessories whilst thereon (a) By Fire External Explosion Self Ignition or Lightning or Burglary Housebreaking or Theft or (b) By Malicious Act or (c) In transit by Road Rail Inland Waterway Lift or Elevator but excluding damage to Tyres unless such Motor Car is damaged at the same time. 3. The cost of protection and removal of any Motor Car described in the Schedule hereto to the nearest repairers in consequence of accident causing damage which is covered hereunder but not exceeding twenty per cent. of the agreed cost of the repairs. 4. Liability at law for compensation (including Law Costs of any claimant) for death of or bodily injury to any person caused by the use of any Motor Car described in the Schedule hereto except where such death or injury arises out of or in the course of the employment of such person by the Insured and excluding liability to a person being a member of the Insured's household. Provided that the liability of the Company is limited in respect of any one claim or series of claims arising out of one event to the sum stated in the Schedule hereto including such Law Costs. 5. Liability at law for compensation (including Law Costs of any claimant) for damage caused by the use of any Motor Car described in the Schedule hereto to property other than property belonging to held in trust by or in the custody or control of the Insured or a member of the Insured's household. Provided that the liability of the Company is limited in respect of any one claim or series of claims arising out of one event to the sum stated in the Schedule hereto including such Law Costs. 6. Liability at law as defined in Clauses 4 and 5 above arising whilst the Insured is personally driving a Private Motor Car not belonging to him and not hired to him under a hire purchase agreement provided that (a) one of the cars described in the Schedule hereto is not in use at the time and (b) the liability of the Company under this Clause shall not exceed the respective limits of indemnity under the aforesaid Clauses 4 and 5. 7. All costs and expenses incurred with the written consent of the Company. It is also agreed that : 8. In the terms of and subject to the limitations of and for the purposes of Clauses 4, 5 and 7 of this Policy the Company will at the request of the Insured treat as though he were the Insured any relative or friend of the Insured whilst driving any Motor Car described in the Schedule hereto for social domestic or pleasure purposes with the Insured's general knowledge and consent provided :— (1) That such relative or friend is not entitled to indemnity under any other Policy. (2) That such relative or friend shall as though he were the Insured observe fulfil and be subject to the Terms Provisions Conditions and Endorsements of this Policy insofar as they can apply. (3) That such relative or friend has not been refused any Motor Vehicle insurance or continuance thereof by any Insurance Company or Underwriter. (4) That such relative or friend is at the time a duly licensed driver. 9. The Insured may authorise the repair of any Motor Car described in the Schedule hereto necessitated by damage for which the Company may be liable under this Policy provided :— (a) That the estimated cost of such repair does not exceed the amount stated in the Schedule hereto. (b) That the Company be furnished forthwith with a detailed estimate of the cost and (c) That the Insured shall give the Company every assistance to see that such repair is necessary and the charge reasonable. 10. The Company may at its own option arrange for representation at any Inquest or Fatal Enquiry in respect of any death which may be the subject of indemnity under this Policy and may undertake the defence of proceedings in any Police Court or Court of First Instance in respect of any act or alleged offence causing or relating to any event which may be the subject of indemnity under this Policy. 11. The Company will pay to the Insured the reasonable medical expenses incurred in connection with any bodily injury by violent accidental external and visible means sustained by the Insured or his driver or any occupant of any Motor Car described in the Schedule hereto as the direct and immediate result of an accident to such Motor Car provided that the liability of the Company in respect of any one accident shall not exceed the sum stated in the Schedule hereto. Provided always that the Company shall not be liable to make any payment in respect of:— (a) Any accident loss damage or liability caused or arising outside the geographical area stated in the Schedule hereto. (b) Consequential loss sustained by the Insured or loss of use of any Motor Car described in the Schedule hereto resulting from any accident. (c) Wear and Tear and/or depreciation of any Motor Car described in the Schedule hereto or any part of such Motor Car (d) Mechanical Fracture and/or Mechanical or Electrical Breakdown or failure of any part of any Motor Car described in the Schedule hereto. (e) Damage to any Motor Car described in the Schedule hereto caused by overloading or strain. (f) Any accident loss damage or liability caused or arising whilst any Motor Car in connection with which insurance or indemnity is granted hereunder is let on hire or is being used for racing pace-making reliability trial or speed testing or any purposes in connection with the Motor Trade or for the transport of goods or for the conveyance of passengers for monetary or equivalent consideration or is being driven by the Insured (or by any other person with the general knowledge and consent of the Insured) whilst unlicensed or not qualified at the time to hold a driving licence or whilst under the influence of intoxicating liquor or drugs. (g) Any accident loss damage or liability directly or indirectly proximately or remotely occasioned by contributed or traceable to or arising out of or in connection with Flood Typhoon Hurricane Windstorm Volcanic Eruption Earthquake or other convulsion of nature Invasion the act of Foreign Enemies Hostilities or Warlike Operations (whether before or after Declaration of War) Strike Riot Civil Commotion Rebellion Military or Usurped Power or by any direct or indirect consequences of any of the said occurrences and in the event of any claim hereunder the Insured shall prove that the accident loss damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed or traceable to any of the said occurrences or any consequence thereof and in default of such proof the Company shall not be liable to make any payment in respect of such a claim. Provided also that the due observance and fulfilment of the Terms Provisions Conditions and Endorsements of this Policy by the Insured insofar as they relate to anything to be done or complied with by the Insured and the truth of the statements and answers in the said Proposal shall be conditions precedent to any liability of the Company to make any payment under this Policy. No waiver of any of the Terms Provisions Conditions and Endorsements of this Policy shall be valid unless made in writing signed by an official or duly-appointed Agent(s) of the Company.
THE CONDITIONS ABOVE REFERRED TO ARE:- 1. Notice shall be given in writing to the Company immediately upon the occurrence of any accident or loss or damage or in the event of any claim. Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the Insured. Notice shall also be given in writing to the Company immediately the Insured shall have knowledge of any impending prosecution in respect of any occurrence which may give rise to a claim under this Policy. In case of theft or other criminal act which may be the subject of a claim under this Policy the Insured shall give immediate notice to the Police and co-operate with the Company in securing the conviction of the offender. 2. No admission offer promise or payment shall be made by the Insured without the written consent of the Company which shall be entitled if it so desires to take over and conduct in the name of the Insured the defence or settlement of any claim or to prosecute in his name for its own benefit any claim for indemnity or damages or otherwise against any third party and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Company may require. 3. In the event of loss of or damage to any Motor Car described in the Schedule hereto the Company may at its own option repair reinstate or replace such Motor Car or part thereof and/or its accessories and spare parts or pay in cash the amount of the loss or damage and the liability of the Company shall not exceed the actual value of the parts damaged or lost plus the reasonable cost of fitting and in no case exceed the Insured's estimate of the value of such Motor Car (including Accessories thereon) as specified in the Schedule hereto or the value of such Motor Car (including Accessories thereon) at the time of the loss or damage whichever is the less. 4. The Insured shall take all reasonable steps to safeguard from loss or damage and to maintain in efficient condition any Motor Car described in the Schedule hereto and the Company shall have at all times free and full access to examine such Motor Car or any part thereof or any driver or employee of the Insured. In the event of an accident or breakdown such Motor Car shall not be left unattended without proper precautions being taken to prevent further damage or loss and if such Motor Car be driven before the necessary repairs are effected any extension of the damage or further accident arising shall be entirely at the Insured's own risk. 5. The Company may cancel this Policy by sending seven days' notice by registered letter to the Insured at his last known address and in such event will return to the Insured the premium less the pro rata portion thereof for the period the Policy has been in force or the Policy may be cancelled at any time by the Insured on seven days' notice (provided no claim has arisen during the then current period of insurance) and the Insured shall be entitled to a return of the premium less premium at the Company's Short Period rates for the time the Policy has been in force. 6. If at the time any claim arises under this Policy there is any other existing Insurance covering the same loss damage or liability the Company shall not be liable to pay or to contribute more than its rateable proportion of any loss damage compensation costs or expense. Provided always that nothing in this condition shall impose on the Company any liability from which but for this condition it would have been relieved under the provisions of Proviso (1) of Clause 8 of this Policy. 7. All differences arising out of this Policy shall 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 Arbitrators one to be appointed by each of the parties in writing or in the case of disagreement of an Umpire appointed by the Arbitrators in writing before entering upon the Reference. The costs of the Reference and of the Award shall be in the discretion of the Arbitrator Arbitrators or Umpire making the Award whose award shall be a condition precedent to any liability of the Company or any right of action against the Company in respect of any claim If the Company shall disclaim liability to the Insured for any claim hereunder and such claim shall not within twelve calender months from the date of such disclaimer have been referred to arbitration under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder. THE SCHEDULE. COMPREHENSIVE Ref. No.: A/622 Policy No.: 11043 Premium: ID. 21/175 Period of Insurance—From noon on the: 15th. day of April, 1947 to noon on the: 15th. day of April, 1948 The Insured: Rabbi Sassoon Kadoorie . Address: Baghdad. Occupation or Profession: President, Jewish Community, Baghdad. Geographical Area referred to in Proviso (a): KINGDOM OF IRAQ ONLY. | Registered Letters and Nos. | Make of Car. | Horse Power. | Type of Body | Year of Manufacture | Seating Capacity including Driver | Insured's estimate of Value including accessories thereon. | | BD 330 Engine No. 92229 | Cheverlet | 30 | Saloon | 1946 | 5 | ID. 750/- | Limit of amount of the Company's liability under Clause 4 of the Policy ... ... ... ... ... ... ... UNLIMITED. Limit of amount of the Company's liability under Clause 5 of the Policy ... ... ... ... ... ... ... ID. 10,000/- Maximum amount for which the Insured is permitted to authorise repairs under Clause 9(a) ... ... ... ... ID. 10/- Limit of amount of the Company's liability for Medical Expenses under Clause 11 ... ... ... ... ... ... ID. 20/- In Witness whereof, we being the authorised Agents of the said Company, have hereunto set our hands this 7th. day of April, in the year One Thousand Nine Hundred and FORTY SEVEN. The Union Fire, Accident & General Insurance Co. Ltd., I. & C. ADES, LIMITED, DIRECTOR, General Agents. [Signature] ⟦illegible signature⟧ [Marginalia] Examined. ⟦illegible signature⟧
المقتضية لمنع ازدياد الضرر أو التلف واذا سبقت تلك السيارة قبل اجراء التصليحات اللازمة فيكون أي اتساع حدث في الضرر أو عارض آخر ينشأ برمته على تبعة المؤمن له الخاصة وحده . ٥ - يجوز للشركة ابطال هذا الصك بارسال اخطار مدته سبعة أيام بالبريد المسجل الى المؤمن له بواسطة عنوانه المعروف لآخر مرة وان الشركة في هذه الحالة تعيد الى المؤمن له أجرة الضمان بعد تنزيل قسم نسبي منها لقاء المدة التي كان الصك خلالها نافذ المفعول أو يجوز ابطال الصك في أي وقت كان من قبل المؤمن له بموجب اخطار مدته سبعة أيام ( بشرط أن لا يكون قد نشأ أية مطالبة في خلال المدة الجارية حينذاك من التأمين ) ويكون المؤمن له مستحقاً استرداد أجرة الضمان بعد تنزيل الاجرة حسب أسعار الشركة لضمان المدة القصيرة عن المدة التي كان الصك خلالها نافذ المفعول . ٦ - اذا وجد في وقت نشوء أية مطالبة بمقتضى هذا الصك أي تأمين آخر يشمل عين التلف أو الضرر أو المسؤولية فالشركة لا تكون مسؤولة عن دفع أو الاشتراك بأكثر من نسبة حصتها حسب السعر من أي تلف أو ضرر أو تعويضات أو تكاليف أو مصرف . على أنه ليس في هذا الشرط ما يفرض على الشركة أية مسؤولية تكون الشركة بريئة منها وفق الفقرة ( ١ ) من البند الثامن من هذا الصك لولا هذا الشرط . ٧ - تحال جميع الاختلافات الناشئة عن هذا الصك للفصل فيها من قبل حكم يعينه كتابة الطرفان المختلفان أو اذا لم يتمكنا من الاتفاق على حكم واحد فيفصل فيها من قبل محكمين اثنين يعين كل طرف واحداً منهما كتابة أو في حالة عدم الاتفاق فمن قبل فيصل يعينه المحكمان كتابة قبل الشروع في الاحالة . وتكون تكاليف الاحالة والقرار رأي الحكم أو المحكمين أو الفيصل الذي يصدر القرار . ويكون ذلك القرار شرطاً مقدما على أية مسؤولية للشركة أو أي حق في دعوى الشركة بشأن أي طلب . واذا رفضت الشركة تحمل المسؤولية تجاه المؤمن له عن أية مطالبة وفق هذا الصك ولم تحال تلك المطالبة الى التحكيم في ظرف اثني عشر شهراً تقويماً من تاريخ الرفض المذكور بمقتضى الشروط المدرجة في هذا الصك فتعتبر المطالبة حينئذ من كافة الوجوه بأنها قد تركت ولا تكون بعدئذ قابلة للتحصيل بموجب هذا الصك . [Marginalia] عند اختلاف النصين العربي والانكليزي في هذه البوليصة يعول على النص الانكليزي الجدول رقم الصك: أجرة الضمان: مدة التأمين: من ظهر اليوم .................... من شهر .................... سنة .................... الى ظهر اليوم .................... من شهر .................... سنة .................... المؤمن له: العنوان: المهنة او الحرفة: المنطقة الجغرافية المذكورة في الفقرة ( أ ): اوصاف السيارات | حروف وارقام التسجيل | مصنع السيارة | القوة بالحصان | نوع الهيكل | سنة الصنع | عدد المقاعد بضمنها مقعد السائق | تخمين المؤمن له للقيمة بضمنها اللوازم الموجودة على السيارة | حدود مقدار مسؤولية الشركة وفق البند الرابع من الصك: ... حدود مقدار مسؤولية الشركة وفق البند الخامس من الصك: ... الحد الاعظم للمبلغ المسموح للمؤمن له بان يفوض اجراء التصليحات به وفق البند ٩ ( أ ): ... حدود مقدار مسؤولية الشركة لاجل مصاريف التداوي وفق البند (١١): ... شهادة على ذلك نحن بصفتنا الوكلاء المفوضين عن الشركة المذكورة قد وقعنا بيدنا أدناه في هذا اليوم .................... من شهر .................... سنة الف وتسعمائة و....................
وكالة اسست في ١٨٢٨ شركة الانيون للحريق والعوارض والتأمين العام المحدودة في باريس مسجلة في فرنسا السيارات الخصوصية حيث ان المؤمن له المبين في الجدول التابع لهذا الصك قد طلب من شركة الانيون للحريق والعوارض والتأمين العام المحدودة ( المسماة فيما يلي بالشركة ) بواسطة عرض اتفق المؤمن له على اعتباره ذا ماهية ومفعول التعهد وأن يكون أساساً لهذا العقد ومعتبراً من ضمن نصوصه وقد دفع أو وافق على دفع أجرة الضمان المبينة في الجدول المربوط بهذا يتماثل التضمينات المدرجة أدناه . فالآن بهذا الصك ومع مراعاة النصوص والاحكام والشرائط الواردة في هذا الصك أو المشروحة بظهره ان الشركة تعوض للمؤمن له تجاه التلف والضرر والمسؤلية المذكورة أدناه والتي تحدث أو تنشأ فعلا في خلال المدة المبينة في الجدول المربوط بهذا أو في خلال أية مدة تقبل الشركة التأدية من أجل تجديد هذا الصك عنها وهي :- ١ - التلف أو الضرر الذي يحدث في أية سيارة مبينة في الجدول المربوط بهذا وللمصابيح والتايرات وأدوات السيارة اللازمة عند ما تكون موجودة عليها والناجم من أي اصطدام عارضي أو انقلاب أم تصادم أو انقلاب حادث بنتيجة خلل ميكانيكي أو بنتيجة الاندثار والاستهلاك ولكن يستثنى من ذلك الضرر العارضي الذي يطرأ على التايرات ما لم تكن تلك السيارة قد أصابها الضرر في عين الوقت . ٢ - التلف أو الضرر الذي يحدث في أية سيارة مبينة في الجدول المربوط بهذا والمصابيح والتايرات وأدوات السيارة اللازمة عند ما تكون موجودة عليها :-- ( أ ) - بواسطة انفجار النار الخارجي أو الاشتعال الذاتي أو البرق أو اللصوصية أو السرقة أو النهب - أو (ب) - بواسطة فعل ضار - أو (ج) - أثناء النقل في الطريق أو القطار أو الطرق النهرية الداخلية أو الآلة الرافعة أو المصعدة . ولكن يستثنى من ذلك الضرر الذي يطرأ على التايرات ما لم تكن تلك السيارة قد أصابها الضرر في عين الوقت . ٣ - كلفة محافظة ونقل أية سيارة مبينة في الجدول المربوط بهذا الى أقرب مصلح على أثر حادث تسبب منه ضرر من الاضرار المشمولة بهذا الصك على أن لا يتجاوز مقدارها العشرين بالمائة من الكلفة المتفق عليها لاجل التصليح . ٤ - المسؤلية القانونية لاجل التعويض ( بما في ذلك النفقات القانونية الخاصة بأي مدعي ) عن وفاة أي شخص أو الاذى الجسمي الحاصل له بسبب استعمال أية سيارة مبينة في الجدول المربوط بهذا وذلك باستثناء ما اذا كانت تلك الوفاة أو ذلك الاذى ناشئاً عن أو واقعاً أثناء استخدام الشخص المذكور من قبل المؤمن له وما عدا المسؤلية تجاه أي شخص يكون من أفراد بيت المؤمن له . بشرط أن تكون مسؤلية الشركة فيما يخص أية مطالبة واحدة أو سلسلة مطالبات ناشئة عن حادث واحد محدودة داخل المبلغ المبين في الجدول المربوط بهذا بضمنها النفقات القانونية المذكورة . ٥ - المسؤلية القانونية لاجل التعويض ( بما في ذلك النفقات القانونية الخاصة بأي مدعي ) عن الضرر الحاصل بسبب استعمال أية سيارة مبينة في الجدول المربوط بهذا وذلك الى أي ملك ما عدا الملك العائد الى المؤمن له أو الى أحد أفراد بيته أو المودوع لديهم أو الموضوع عندهم بصفة أمانة أو تحت ضبطهم بشرط أن تكون مسؤلية الشركة فيما يخص أية مطالبة واحدة أو سلسلة مطالبات ناشئة عن حادث واحد محدودة داخل المبلغ المبين في الجدول المربوط بهذا بضمنها النفقات القانونية المذكورة . ٦ - المسؤلية القانونية المحددة في البندين الرابع والخامس أعلاه والناشئة عند ما يكون المؤمن له سائقاً بنفسه سيارة خصوصية ليست عائده اليه وغير مأجورة له بموجب مقاولة تتضمن الشراء بطريق الايجار بشرط :- ( أ ) - أن تكون احدى السيارات المبينة في الجدول المربوط بهذا مستعملة في ذلك الوقت - و (ب) - أن لا تتجاوز مسؤلية الشركة بموجب هذا البند حدود التضمينات المختصة طبقاً للبندين الرابع والخامس الواردين أعلاه . ٧ - كافة التكاليف والنفقات المتكبدة بموافقة الشركة التحريرية . وقد حصل الاتفاق أيضاً على ما يأتي :- ٨ - طبقاً للشرائط وتبعاً للتحديدات والمقاصد للبنود الرابع والخامس والسابع من هذا الصك ان الشركة تعتبر - بناء على طلب المؤمن له - كل قريب أو صديق للمؤمن له كما لو كان المؤمن له بالذات وذلك عند ما يكون سائقاً أية سيارة مبينة في الجدول المربوط بهذا لاغراض اجتماعية أو بيتية أو على سبيل اللهو بعلم من المؤمن له وموافقته بوجه عام بشرط :- (١) - أن لا يكون ذلك القريب أو الصديق مستحقاً لتضمينات بمقتضى أي صك تأمين آخر . (٢) - أن يقوم ذلك القريب أو الصديق كما لو كانت المؤمن له بالذات بمراعاة وايفاء واتباع النصوص والاحكام والتظهيرات المدونة في هذا الصك بقدر ما يمكن تطبيقها . (٣) - أن لا يكون ذلك القريب أو الصديق قد رفض له عقد تأمين بشأن السيارات أو تمديد مثل ذلك العقد من قبل أية شركة تأمين أو مؤمنين . (٤) - أن يكون ذلك القريب أو الصديق في ذلك الوقت سائقاً مجازاً حسب الاصول . ٩ - يجوز للمؤمن له أن يفوض بتصليح أية سيارة مبينة في الجدول المربوط بهذا وجب تصليحها بسبب الضرر الذي يمكن أن تكون الشركة مسؤلة عنه بمقتضى هذا الصك بشرط :- ( أ ) - أن لا تزيد الكلفة المقدرة لهذا التصليح على المبلغ المصرح به في الجدول المربوط . (ب) - تزويد الشركة حالاً بتخمين مفصل للكلفة - أو (ج) - أن يسدي المؤمن له الى الشركة كل المساعدة المقتضية لتتأكد من ضرورة اجراء التصليح واعتدال كلفته. ١٠ - للشركة مطلق الخيار في انتداب من يمثلها في كل كشف أو تحقيق في حادث وفاة فيما يخص أية وفاة قد تكون تابعة للتضمينات بمقتضى هذا الصك وأن تأخذ على عاتقها مهمة الدفاع في الدعاوي أمام أية محكمة جزائية أو محكمة بدائة بشأن أي فعل أو جرم مزعوم سبب أو كان متعلقاً بأي حادث قد يكون تابعاً للتضمينات بمقتضى هذا الصك . ١١ - تدفع الشركة الى المؤمن له مصاريف التداوي المعقولة المتكبدة من جراء أي أذى جسمي يكون قد أصاب المؤمن له أو سائقه أو أي شاغل للسيارة المبينة في الجدول المربوط بهذا وذلك باسباب عنيفة وعارضة وخارجية ومنظورة بصفة كونها النتيجة المباشرة والفورية لاي عارض يداهم السيارة المذكورة بشرط أن مسؤلية الشركة بشأن أي عارض واحد لا تتجاوز المبلغ المصرح به في الجدول المربوط بهذا . وبشرط دائماً أن الشركة لا تكون مسؤلة عن تأدية شيء ما مما يأتي :- ( أ ) - أي عارض أو تلف أو ضرر أو مسؤلية تسببت أو نشأت خارج المنطقة الجغرافية المبينة في الجدول المربوط بهذا . (ب) - الضرر الذي يكابده المؤمن له بطريقة التبعية أو فقدانه الاستفادة من استعمال أية سيارة مبينة في الجدول المربوط بهذا وذلك بنتيجة أي عارض . (ج) - الاستهلاك والاندثار ونقص القيمة لاية سيارة مبينة في الجدول المربوط أو لاي جزء من أجزاء تلك السيارة . ( د ) - انكسار الماكنة أو الخلل الميكانيكي أو الكهربائي أو تعطل أي جزء من أجزاء أية سيارة مبينة في الجدول المربوط بهذا . (هـ) - الضرر الحاصل الى أية سيارة مبينة في الجدول المربوط بهذا والناشيء عن زيادة الحمل أو الاجهاد . ( و ) - أي عارض أو تلف أو ضرر أو مسؤلية تسببت أو نشأت عند ما تكون أية سيارة منح بشأنها التأمين أو التضمينات بموجب هذا الصك قد أجرت أو أعطيت بالكراء أو كانت مستعملة لمقاصد السباق أو مباريات قطع الاشواط أو لتجربة متانتها أو فحص سرعتها أو أية مقاصد تخص بتجارة السيارات أو لشحن الصنائع أو لنقل الركاب مقابل أجرة نقدية أو ما يعادلها من البدل أو كان يسوقها المؤمن له ( أو أي شخص آخر بعلم وموافقة المؤمن له بوجه عام) بدون أن يكون في ذلك الوقت مجازاً لسوق السيارات أو مؤهلا لحيازة اجازة السوق أو كان تحت تأثير المسكرات أو المواد المخدرة . ( ز ) - أي عارض أو تلف أو ضرر أو مسؤلية تسببت أو كانت تعزى الى أو نشأت عن أو حدثت مباشرة أو غير مباشرة عن قريب أو عن بعد أو بمناسبة الفيضان أو الاعاصير أو الزوابع أو العواصف أو الثوران البركاني أو الزلزال أو ارتجاج آخر للطبيعة أو الغزو أو فعل الاعداء الاجانب أو الاعتداءات أو الحركات الحربية ( سواء قبل اعلان الحرب أو بعده ) أو الاضراب أو العصيان أو الاضطرابات الاهلية أو الثورة أو السلطة العسكرية أو المغتصبة أو بواسطة أية عواقب مباشرة أو غير مباشرة لاي من الطواريء المذكورة . وفي حالة وقوع أية مطالبة بمقتضى ذلك فعلى المؤمن له أن يبرهن على أن العارض أو التلف أو الضرر أو المسؤلية قد نشأت بصورة مستقلة ولا علاقة لها بأي وجه من الوجوه أو يرجع سببها أو تعزى الى أي من الطواريء المارة الذكر أو عواقبها واذا عجز عن اثبات ذلك فالشركة لا تكون مسؤلة عن تأدية أي شيء عن مثل هذه المطالبة . كذلك بشرط ان مراعاة وايفاء المؤمن له حسب الاصول النصوص والاحكام والشرائط والتظهيرات الواردة في هذا الصك حيثما يكون لها علاقة باي شيء يقتضي اجراؤه أو تطبيقه من قبل المؤمن له وكذلك صحة البيانات والاجوبة المدونة في العرض المذكور تعتبر جميعها شروطاً مقدمة على أية مسؤلية ملقاة على الشركة بشأن اجراء أية تأدية بموجب هذا الصك . وكل تنازل عن أي من النصوص والاحكام والشرائط والتظهيرات الواردة في هذا الصك لا يكون معتبراً ما لم يقع تحريرياً ويوقع عليه من قبل موظف أو وكيل أو وكالة للشركة معينين حسب الاصول . ان الشرائط الوارد ذكرها أعلاه هي :- ١ - يجب أن يعطى اخطار تحريري الى الشركة حالا عند حدوث أي عارض أو تلف أو ضرر أو في حالة أية مطالبة . وكل كتاب أو طلب أو اعلام أو اخطار بلزوم الحضور أو تبليغ يجب أن يقدم الى الشركة فوراً عند استلامه من قبل المؤمن له . وكذلك يجب أن يعطى الى الشركة اخطار تحريري حالما يتصل بعلم المؤمن له احتمال اقامة الدعوى بشأن أي حادث قد يؤدي الى نشوء مطالبة بمقتضى هذا الصك وفي حالة السرقة أو أي فعل جرمي آخر قد يكون موضوع المطالبة وفقاً لهذا الصك فعلى المؤمن له أن يبلغ الامر الى الشرطة حالا ويتعاون مع الشركة تأميناً لادانة المعتدي . ٢ - لا يجوز للمؤمن له الاعتراف أو التقديم أو الوعد أو تأدية أي شيء بدون الموافقة التحريرية من الشركة التي يكون لها الحق - اذا شاءت ذلك - بأن تأخذ على عاتقها وتقوم باسم المؤمن له بادارة الدفاع أو تسوية أية طلب أو أن تقيم الدعوى باسمه ولمصلحته عن أية مطالبة بالتضمينات أو الاضرار أو خلافها ضد أي طرف ثالث ويكون لها مطلق الاختيار في ادارة أية اجراءات أو في تسوية أي طلب وعلى المؤمن له أن يقدم كافة المعلومات ويسدي كل المساعدة التي قد تطلبها الشركة . ٣ - اذا حدث تلف أو ضرر لاية سيارة مبينة في الجدول المربوط بهذا فالشركة حسب اختيارها أما أن تصلح تلك السيارة أو أي جزء من أجزائها مع لوازمها وأدواتها أو تعيدها الى أصلها أو تستبدلها واما أن تدفع نقداً مقدار التلف أو الضرر ولا تتجاوز مسؤلية الشركة القيمة الفعلية للاجزاء المتضررة والتالفة مع اضافة الكلفة المعقولة للتركيب على أن لا تزيد بأي حال من الاحوال على تخمين المؤمن له لقيمة تلك السيارة ( بضمنها اللوازم الموجودة عليها ) كما هو مبين في الجدول المربوط بهذا الصك أو قيمة تلك السيارة ( بضمنها اللوازم الموجودة عليها ) حين وقوع التلف أو الضرر أيهما أقل . ٤ - على المؤمن له أن يتخذ كافة التدابير المعقولة لصيانة أية سيارة مبينة في الجدول المربوط بهذا من الضرر والتلف ومحافظتها بحالة صالحة وللشركة في جميع الاوقات الحرية المطلقة والكاملة لفحص تلك السيارة أو أي جزء من أجزائها أو أي سائق أو مستخدم لدى المؤمن له . ولا يجوز في حالة وقوع عارض أو خلل للسيارة المذكورة تركها بدون الاهتمام بها بل يلزم اتخاذ الاحتياطات
[Stamp] ⟦illegible⟧ [Stamp] INSUR⟦illegible⟧ [Stamp] I. & C. ADES. Notwithstanding any provision of law to the contrary or any provision hereof the Company shall in no event be liable under clauses 1, 2, 3, 9 and 11 of this policy for more than the value of the property insured at the time of any loss or damage happening thereto. @@@ In the event of a claim for repairs and spair parts being admitted by the Company, it is expressly declared and agreed that it will be settled on the basis of the prices fixed by the Government and rulling at the time of loss. @@@ [Signature] I. & C. ADES, LTD., [Signature] ⟦J. Ades⟧ [Signature] DIRECTOR. [Stamp] ⟦illegible⟧ [Stamp] I. & C. ADES [Stamp] ⟦illegible⟧
IRAK ESTABLISHED 1828 THE UNION Fire, Accident and General Insurance Company Limited (of Paris) (Incorporated in France) [Stamp] ⟦Three revenue stamps pasted: 20 Fils, 10 Fils, 10 Fils⟧ [Stamp] ⟦Circular cancellation stamps: ...INSURANCE DEPT... BAGHDAD...⟧ MOTOR POLICY (Private and/or Commercial Vehicle) ⟦line⟧ PRIVATE MOTOR CARS. ⟦line⟧ Whereas the Insured designated in the Schedule hereto has applied to THE UNION FIRE, ACCIDENT AND GENERAL INSURANCE COMPANY, LIMITED (hereinafter called "the Company") by a Proposal which the Insured has agreed shall be deemed to be of a promissory nature and effect and the basis of this Contract and which is deemed to be incorporated herein and has paid or agreed to pay the premium stated in the Schedule hereto as consideration for the Indemnity hereinafter contained. Now this Policy Witnesseth that the Company will subject to the Terms Provisions and Conditions contained herein or endorsed hereon indemnify the Insured against loss damage and/or liability as hereunder mentioned actually occurring or arising during the period stated in the Schedule hereto or during any period for which the Company may accept payment for the renewal of this Policy that is to say :— 1. Loss of or Damage to any Motor Car described in the Schedule hereto and necessary Lamps Tyres and Accessories whilst thereon resulting from any Accidental Collision or Overturning or Collision or Overturning consequent upon Mechanical Breakdown or consequent upon Wear and Tear but excluding accidental damage to Tyres unless such Motor Car is damaged at the same time. 2. Loss of or Damage to any Motor Car described in the Schedule hereto and necessary Lamps Tyres and Accessories whilst thereon (a) By Fire External Explosion Self Ignition or Lightning or Burglary Housebreaking or Theft or (b) By Malicious Act or (c) In transit by Road Rail Inland Waterway Lift or Elevator but excluding damage to Tyres unless such Motor Car is damaged at the same time. 3. The cost of protection and removal of any Motor Car described in the Schedule hereto to the nearest repairers in consequence of accident causing damage which is covered hereunder but not exceeding twenty per cent. of the agreed cost of the repairs. 4. Liability at law for compensation (including Law Costs of any claimant) for death of or bodily injury to any person caused by the use of any Motor Car described in the Schedule hereto except where such death or injury arises out of or in the course of the employment of such person by the Insured and excluding liability to a person being a member of the Insured's household. Provided that the liability of the Company is limited in respect of any one claim or series of claims arising out of one event to the sum stated in the Schedule hereto including such Law Costs. 5. Liability at law for compensation (including Law Costs of any claimant) for damage caused by the use of any Motor Car described in the Schedule hereto to property other than property belonging to held in trust by or in the custody or control of the Insured or a member of the Insured's household. Provided that the liability of the Company is limited in respect of any one claim or series of claims arising out of one event to the sum stated in the Schedule hereto including such Law Costs. 6. Liability at law as defined in Clauses 4 and 5 above arising whilst the Insured is personally driving a Private Motor Car not belonging to him and not hired to him under a hire purchase agreement provided that (a) one of the cars described in the Schedule hereto is not in use at the time and (b) the liability of the Company under this Clause shall not exceed the respective limits of indemnity under the aforesaid Clauses 4 and 5. 7. All costs and expenses incurred with the written consent of the Company. It is also agreed that : 8. In the terms of and subject to the limitations of and for the purposes of Clauses 4, 5 and 7 of this Policy the Company will at the request of the Insured treat as though he were the Insured any relative or friend of the Insured whilst driving any Motor Car described in the Schedule hereto for social domestic or pleasure purposes with the Insured's general knowledge and consent provided :— (1) That such relative or friend is not entitled to indemnity under any other Policy. (2) That such relative or friend shall as though he were the Insured observe fulfil and be subject to the Terms Provisions Conditions and Endorsements of this Policy insofar as they can apply. (3) That such relative or friend has not been refused any Motor Vehicle insurance or continuance thereof by any Insurance Company or Underwriter. (4) That such relative or friend is at the time a duly licensed driver. 9. The Insured may authorise the repair of any Motor Car described in the Schedule hereto necessitated by damage for which the Company may be liable under this Policy provided :— (a) That the estimated cost of such repair does not exceed the amount stated in the Schedule hereto. (b) That the Company be furnished forthwith with a detailed estimate of the cost and (c) That the Insured shall give the Company every assistance to see that such repair is necessary and the charge reasonable. 10. The Company may at its own option arrange for representation at any Inquest or Fatal Enquiry in respect of any death which may be the subject of indemnity under this Policy and may undertake the defence of proceedings in any Police Court or Court of First Instance in respect of any act or alleged offence causing or relating to any event which may be the subject of indemnity under this Policy. 11. The Company will pay to the Insured the reasonable medical expenses incurred in connection with any bodily injury by violent accidental external and visible means sustained by the Insured or his driver or any occupant of any Motor Car described in the Schedule hereto as the direct and immediate result of an accident to such Motor Car provided that the liability of the Company in respect of any one accident shall not exceed the sum stated in the Schedule hereto. Provided always that the Company shall not be liable to make any payment in respect of :— (a) Any accident loss damage or liability caused or arising outside the geographical area stated in the Schedule hereto. (b) Consequential loss sustained by the Insured or loss of use of any Motor Car described in the Schedule hereto resulting from any accident. (c) Wear and Tear and/or depreciation of any Motor Car described in the Schedule hereto or any part of such Motor Car (d) Mechanical Fracture and/or Mechanical or Electrical Breakdown or failure of any part of any Motor Car described in the Schedule hereto. (e) Damage to any Motor Car described in the Schedule hereto caused by overloading or strain. (f) Any accident loss damage or liability caused or arising whilst any Motor Car in connection with which insurance or indemnity is granted hereunder is let on hire or is being used for racing pace-making reliability trial or speed testing or any purposes in connection with the Motor Trade or for the transport of goods or for the conveyance of passengers for monetary or equivalent consideration or is being driven by the Insured (or by any other person with the general knowledge and consent of the Insured) whilst unlicensed or not qualified at the time to hold a driving licence or whilst under the influence of intoxicating liquor or drugs. (g) Any accident loss damage or liability directly or indirectly proximately or remotely occasioned by contributed or traceable to or arising out of or in connection with Flood Typhoon Hurricane Windstorm Volcanic Eruption Earthquake or other convulsion of nature Invasion the act of Foreign Enemies Hostilities or Warlike Operations (whether before or after Declaration of War) Strike Riot Civil Commotion Rebellion Military or Usurped Power or by any direct or indirect consequences of any of the said occurrences and in the event of any claim hereunder the Insured shall prove that the accident loss damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed or traceable to any of the said occurrences or any consequence thereof and in default of such proof the Company shall not be liable to make any payment in respect of such a claim. Provided also that the due observance and fulfilment of the Terms Provisions Conditions and Endorsements of this Policy by the Insured insofar as they relate to anything to be done or complied with by the Insured and the truth of the statements and answers in the said Proposal shall be conditions precedent to any liability of the Company to make any payment under this Policy. No waiver of any of the Terms Provisions Conditions and Endorsements of this Policy shall be valid unless made in writing signed by an official or duly-appointed Agent(s) of the Company. [Stamp] ⟦Circular stamp on left margin: ...INSURANCE DEPT...⟧
THE CONDITIONS ABOVE REFERRED TO ARE :- 1. Notice shall be given in writing to the Company immediately upon the occurrence of any accident or loss or damage or in the event of any claim. Every letter claim writ summons and/or process shall be forwarded to the Company immediately on receipt by the Insured. Notice shall also be given in writing to the Company immediately the Insured shall have knowledge of any impending prosecution in respect of any occurrence which may give rise to a claim under this Policy. In case of theft or other criminal act which may be the subject of a claim under this Policy the Insured shall give immediate notice to the Police and co-operate with the Company in securing the conviction of the offender. 2. No admission offer promise or payment shall be made by the Insured without the written consent of the Company which shall be entitled if it so desires to take over and conduct in the name of the Insured the defence or settlement of any claim or to prosecute in his name for its own benefit any claim for indemnity or damages or otherwise against any third party and shall have full discretion in the conduct of any proceedings or in the settlement of any claim and the Insured shall give all such information and assistance as the Company may require. 3. In the event of loss of or damage to any Motor Car described in the Schedule hereto the Company may at its own option repair reinstate or replace such Motor Car or part thereof and/or its accessories and spare parts or pay in cash the amount of the loss or damage and the liability of the Company shall not exceed the actual value of the parts damaged or lost plus the reasonable cost of fitting and in no case exceed the Insured's estimate of the value of such Motor Car (including Accessories thereon) as specified in the Schedule hereto or the value of such Motor Car (including Accessories thereon) at the time of the loss or damage whichever is the less. 4. The Insured shall take all reasonable steps to safeguard from loss or damage and to maintain in efficient condition any Motor Car described in the Schedule hereto and the Company shall have at all times free and full access to examine such Motor Car or any part thereof or any driver or employee of the Insured. In the event of an accident or breakdown such Motor Car shall not be left unattended without proper precautions being taken to prevent further damage or loss and if such Motor Car be driven before the necessary repairs are effected any extension of the damage or further accident arising shall be entirely at the Insured's own risk. 5. The Company may cancel this Policy by sending seven days' notice by registered letter to the Insured at his last known address and in such event will return to the Insured the premium less the pro rata portion thereof for the period the Policy has been in force or the Policy may be cancelled at any time by the Insured on seven days' notice (provided no claim has arisen during the then current period of insurance) and the Insured shall be entitled to a return of the premium less premium at the Company's Short Period rates for the time the Policy has been in force. 6. If at the time any claim arises under this Policy there is any other existing Insurance covering the same loss damage or liability the Company shall not be liable to pay or to contribute more than its rateable proportion of any loss damage compensation costs or expense. Provided always that nothing in this condition shall impose on the Company any liability from which but for this condition it would have been relieved under the provisions of Proviso (1) of Clause 8 of this Policy. 7. All differences arising out of this Policy shall 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 Arbitrators one to be appointed by each of the parties in writing or in the case of disagreement of an Umpire appointed by the Arbitrators in writing before entering upon the Reference. The costs of the Reference and of the Award shall be in the discretion of the Arbitrator Arbitrators or Umpire making the Award whose award shall be a condition precedent to any liability of the Company or any right of action against the Company in respect of any claim If the Company shall disclaim liability to the Insured for any claim hereunder and such claim shall not within twelve calender months from the date of such disclaimer have been referred to arbitration under the provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder. THE SCHEDULE. Ref. No. A/546. Comprehensive. A. Policy No. 10966. Premium ID.15/820 Period of Insurance—From noon on the 19th. <del>March⟦line⟧</del> day of March⟦line⟧ 19 46. to noon on the 19th. ⟦line⟧ day of March⟦line⟧ 19 47. x.Premium..........................ID.19.775 The Insured H. E. Sassoon Khedoury. Less 20% no claim bonus for the last three years................... " 3.955 Address Taht Al Takia, Baghdad. Nett...................ID.15.820 ========= Occupation or Profession President, Jewish Community. Geographical Area referred to in Proviso (a) Kigdom of Iraq only.-- DESCRIPTION OF MOTOR CARS. | Registered Letters and Nos. | Make of Car. | Horse Power. | Type of Body | Year of Manufacture | Seating Capacity including Driver | Insured's estimate of Value including accessories thereon. | | BD.1889 | Oldsmobile | 28.4 | Saloon | 1937 | 5 | ID.600/- (Six hundred Iraqi Dinars) | Limit of amount of the Company's liability under Clause 4 of the Policy ... ... ... ... ... ... ... ... Unlimited. Limit of amount of the Company's liability under Clause 5 of the Policy ... ... ... ... ... ... ... ... ID.10000/- Maximum amount for which the Insured is permitted to authorise repairs under Clause 9(a) ... ... ... ... ID. 10/- Limit of amount of the Company's liability for Medical Expenses under Clause 11 ... ... ... ... ... ... ... ID. 20/- [Signature] In Witness whereof, we being the authorised Agents of the said Company, have hereunto set our hands [Signature] this 19th. ⟦line⟧ day of March.⟦line⟧ in the year [Signature] One Thousand Nine Hundred and forty six. [Signature] The Union Fire, Accident & General Insurance Co. Ltd. [Signature] I. & C. Ades, Ltd., [Signature] ⟦signature⟧ [Signature] Director. [Signature] General Agents. Examined ⟦signature⟧ KD.
على أنه ليس في هذا الشرط ما يفرض على الشركة أية مسؤولية تكون الشركة بريئة منها وفق الفقرة : ( ١ ) من البند الثامن من هذا الصك لولا هذا الشرط . ٧ - تحال جميع الاختلافات الناشئة عن هذا الصك للفصل فيها من قبل حكم يعينه كتابة الطرفان المختلفان أو اذا لم يتمكنا من الاتفاق على حكم واحد فيفصل فيها من قبل حكمين اثنين يعين كل طرف واحداً منها كتابة أو في حالة عدم الاتفاق فمن قبل فيصل يعينه المحكمان كتابة قبل الشروع في الاحالة . وتكون تكاليف الاحالة والقرار برأى الحكم أو المحكمين أو الفيصل الذي يصدر القرار . ويكون ذلك القرار شرطاً مقدما على أية مسؤولية للشركة أو أي حق في دعوى الشركة بشأن أي طلب . واذا رفضت الشركة تحمل المسؤولية تجاه المؤمن له عن أية مطالبة وفق هذا الصك ولم تحال تلك المطالبة الى التحكيم في ظرف اثني عشر شهراً تقويمياً من تاريخ الرفض المذكور بمقتضى الشروط المدرجة في هذا الصك فتعتبر المطالبة حينئذ من كافة الوجوه بأنها قد تركت ولا تكون بعدئذ قابلة للتحصيل بموجب هذا الصك . المقتضية بمنع ازدياد الضرر أو التلف واذا سبقت تلك السيارة قبل اجراء التصليحات اللازمة فيكون أي اتساع حدث في الضرر أو عارض آخر ينشأ برمته على تبعة المؤمن له الخاصة وحده . ٥ - يجوز للشركة ابطال هذا الصك بإرسال اخطار مدته سبعة أيام بالبريد المسجل الى المؤمن له بواسطة عنوانه المعروف لآخر مرة وان الشركة في هذه الحالة تعيد الى المؤمن له أجرة الضمان بعد تنزيل قسم نسبي منها لقاء المدة التي كان الصك خلالها نافذ المفعول أو يجوز ابطال الصك في أي وقت كان من قبل المؤمن له بموجب اخطار مدته سبعة أيام ( بشرط أن لا يكون قد نشأ أية مطالبة في خلال المدة الجارية حينذاك من التأمين ) ويكون المؤمن له مستحقاً استرداد أجرة الضمان بعد تنزيل الاجرة حسب أسعار الشركة لضمان المدة القصيرة عن المدة التي كان الصك خلالها نافذ المفعول . ٦ - اذا وجد في وقت نشوء أية مطالبة بمقتضى هذا الصك أي تأمين آخر يشمل عين التلف أو الضرر أو المسؤلية فالشركة لا تكون مسؤلة عن دفع أو الاشتراك بأكثر من نسبة حصتها حسب السعر من أي تلف أو ضرر أو تعويضات أو تكاليف أو مصرف . [Marginalia] عند اختلاف النصين العربي والانكليزي في هذه البوليصة يعول على النص الانكليزي الجدول رقم الصك: أجرة الضمان: مدة التأمين | من ظهر اليوم: من شهر سنة مدة التأمين | الى ظهر اليوم: من شهر سنة المؤمن له: العنوان: المهنة او الحرفة: المنطقة الجغرافية المذكورة في الفقرة ( أ ): اوصاف السيارات | حروف وارقام التسجيل | مصنع السيارة | القوة بالحصان | نوع الهيكل | سنة الصنع | عدد المقاعد بضمنها مقعد السائق | تخمين المؤمن له للقيمة بضمنها اللوازم الموجودة على السيارة | حدود مقدار مسؤلية الشركة وفق البند الرابع من الصك: ... حدود مقدار مسؤلية الشركة وفق البند الخامس من الصك: ... الحد الاعظم للمبلغ المسموح للمؤمن له بان يفوض اجراء التصليحات به وفق البند ٩ ( أ ): ... حدود مقدار مسؤلية الشركة لاجل مصاريف التداوي وفق البند (١١): ... شهادة على ذلك نحن بصفتنا الوكلاء المفوضين عن الشركة المذكورة قد وقعنا بيدنا أدناه في هذا اليوم: من شهر سنة الف وتسعمائة و: ⟦line⟧
وكالة اسست في ١٨٢٨ شركة الانيون للحريق والعوارض والتأمين العام المحدودة في باريس مسجلة في فرنسا ⟦line⟧ السيارات الخصوصية حيث ان المؤمن له المبين في الجدول التابع لهذا الصك قد طلب من شركة الانيون للحريق والعوارض والتأمين العام المحدودة ( المسماة فيما يلي بالشركة ) بواسطة عرض اتفق المؤمن له على اعتباره ذا ماهية ومفعول التعهد وأن يكون أساساً لهذا العقد ومعتبراً من ضمن نصوصه وقد دفع أو وافق على دفع أجرة الضمان المبينة في الجدول المربوط بهذا بمقابل التضمينات المدرجة أدناه . فالآن بهذا الصك ومع مراعاة النصوص والاحكام والشرائط الواردة في هذا الصك أو المشروحة بظهره ان الشركة تعوض للمؤمن له تجاه التلف والضرر والمسؤلية المذكورة أدناه والتي تحدث أو تنشأ فعلا في خلال المدة المبينة في الجدول المربوط بهذا أو في خلال أية مدة تقبل الشركة التأدية من أجل تجديد هذا الصك عنها وهي :- ١ - التلف أو الضرر الذي يحدث في أية سيارة مبينة في الجدول المربوط بهذا والمصابيح والتايرات وأدوات السيارة اللازمة عندما تكون موجودة عليهما والناجم من أي اصطدام عارضي أو انقلاب أم تصادم أو انقلاب حادث بنتيجة خلل ميكانيكي أو بنتيجة الاندثار والاستهلاك ولكن يستثنى من ذلك الضرر العارضي الذي يطرأ على التايرات ما لم تكن تلك السيارة قد أصابها الضرر في عين الوقت . ٢ - التلف أو الضرر الذي يحتمل في أية سيارة مبينة في الجدول المربوط بهذا والمصابيح والتايرات وأدوات السيارة اللازمة عندما تكون موجودة عليها :- ( أ ) - بواسطة انفجار النار الخارجي أو الاشتعال الذاتي أو البرق أو اللصوصية أو السرقة أو النهب - أو (ب) - بواسطة فعل ضار - أو (ج) - أثناء النقل في الطريق أو القطار أو الطرق النهرية الداخلية أو الآلة الرافعة أو المصعد . ولكن يستثنى من ذلك الضرر الذي يطرأ على التايرات ما لم تكن تلك السيارة قد أصابها الضرر في عين الوقت . ٣ - كلفة محافظة ونقل أية سيارة مبينة في الجدول المربوط بهذا الى أقرب مصلح على أثر حادث تسبب منه ضرر من الاضرار المشمولة بهذا الصك على أن لا يتجاوز مقدارها العشرين بالمائة من الكلفة المتفق عليها لاجل التصليح . ٤ - المسؤولية القانونية لاجل التعويض ( بما في ذلك النفقات القانونية الخاصة باي مدعي ) عن وفاة أي شخص أو الاذى الجسمي الحاصل له بسبب استعمال أية سيارة مبينة في الجدول المربوط بهذا وذلك باستثناء ما اذا كانت تلك الوفاة أو ذلك الاذى ناشئاً عن أو واقعاً أثناء استخدام الشخص المذكور من قبل المؤمن له وما عدا المسؤولية تجاه أي شخص يكون من أفراد بيت المؤمن له . بشرط أن تكون مسؤولية الشركة فيما يخص أية مطالبة واحدة أو سلسلة مطالبات ناشئة عن حادث واحد محدودة داخل المبلغ المبين في الجدول المربوط بهذا بضمنها النفقات القانونية المذكورة . ٥ - المسؤولية القانونية لاجل التعويض ( بما في ذلك النفقات القانونية الخاصة باي مدعي ) عن الضرر الحاصل بسبب استعمال أية سيارة مبينة في الجدول المربوط بهذا وذلك الى أي ملك ما عدا الملك العائد الى المؤمن له أو الى أحد أفراد بيته أو المودوع لديهم أو الموضوع عندهم بصفة أمانة أو تحت ضبطهم بشرط أن تكون مسؤلية الشركة فيما يخص أية مطالبة واحدة أو سلسلة مطالبات ناشئة عن حادث واحد محدودة داخل المبلغ المبين في الجدول المربوط بهذا بضمنها النفقات القانونية المذكورة . ٦ - المسؤلية القانونية المحددة في البندين الرابع والخامس أعلاه والناشئة عند ما يكون المؤمن له سائقاً بنفسه سيارة خصوصية ليست عائده اليه وغير مأجورة له بموجب مقاولة تتضمن الشراء بطريق الإيجار بشرط :- ( ١ ) - أن تكون احدى السيارات المبينة في الجدول المربوط بهذا مستعملة في ذلك الوقت - و (ب) - أن لا تتجاوز مسؤلية الشركة بموجب هذا البند حدود التضمينات المختصة طبقاً للبندين الرابع والخامس الواردين أعلاه . ٧ - كافة التكاليف والنفقات المتكبدة بموافقة الشركة التحريرية . وقد حصل الاتفاق أيضاً على ما يأتي :- ٨ - تطبيقاً للشرائط وتبعاً للتحديدات والمقاصد للبنود الرابع والخامس والسابع من هذا الصك ان الشركة تعتبر - بناء على طلب المؤمن له - كل قريب أو صديق للمؤمن له كما لو كان المؤمن له بالذات وذلك عند ما يكون سائقاً أية سيارة مبينة في الجدول المربوط بهذا لاغراض اجتماعية أو بيتية أو على سبيل اللهو بعلم من المؤمن له وموافقته بوجه عام بشرط :- (١) - أن لا يكون ذلك القريب أو الصديق مستحقاً لتضمينات بمقتضى أي صك تأمين آخر . (٢) - أن يقوم ذلك القريب أو الصديق كما لو كان المؤمن له بالذات بمراعاة وايفاء واتباع النصوص والاحكام والتظهيرات المدونة في هذا الصك بقدر ما يمكن تطبيقها . (٣) - أن لا يكون ذلك القريب أو الصديق قد رفض له عقد تأمين بشأن السيارات أو تمديد مثل ذلك العقد من قبل أية شركة تأمين أو مؤمنين . (٤) - أن يكون ذلك القريب أو الصديق في ذلك الوقت سائقاً مجازاً بحسب الاصول . ٩ - يجوز للمؤمن له أن يفوض بتصليح أية سيارة مبينة في الجدول المربوط بهذا وجب تصليحها بسبب الضرر الذي يمكن أن تكون الشركة مسؤلة عنه بمقتضى هذا الصك بشرط :- ( أ ) - أن لا تزيد الكلفة المقدرة لهذا التصليح على المبلغ المصرح به في الجدول المربوط . (ب) - تزويد الشركة حالا بتخمين مفصل للكلفة - أو (ج) - أن يسدي المؤمن له الى الشركة كل المساعدة المقتضية لتتأكد من ضرورة اجراء التصليح واعتدال كلفته. ١٠ - للشركة مطلق الخيار في انتداب من يمثلها في كل كشف أو تحقيق في حادث وفاة فيما يخص أية وفاة قد تكون تابعة للتضمينات بمقتضى هذا الصك وأن تأخذ على عاتقها مهمة الدفاع في الدعاوي أمام أية محكمة جزائية أو محكمة بدائة بشأن أي فعل أو جرم مزعوم سبب أو كان متعلقاً باي حادث قد يكون تابعاً للتضمينات بمقتضى هذا الصك . ١١ - تدفع الشركة الى المؤمن له مصاريف التداوي المعقولة المتكبده من جراء أي أذى جسمي يكون قد أصاب المؤمن له أو سائقه أو أي شاغل للسيارة المبينة في الجدول المربوط بهذا وذلك باسباب عنيفة وعارضة وخارجية ومنظورة بصفة كونها النتيجة المباشرة والفورية لاي عارض يداهم السيارة المذكورة بشرط أن مسؤلية الشركة بشأن أي عارض واحد لا تتجاوز المبلغ المصرح به في الجدول المربوط بهذا . ويشترط دائماً أن الشركة لا تكون مسؤلة عن تأدية شيء ما عما يأتي :- ( أ ) - أي عارض أو تلف أو ضرر أو مسؤولية تسببت أو نشأت خارج المنطقة الجغرافية المبينة في الجدول المربوط بهذا . (ب) - الضرر الذي يتكبده المؤمن له بطريقة التبعية أو فقدانه الاستفادة من استعمال أية سيارة مبينة في الجدول المربوط بهذا وذلك بنتيجة أي عارض . (ج) - الاستهلاك والاندثار ونقص القيمة لاية سيارة مبينة في الجدول المربوط أو لاي جزء من أجزاء تلك السيارة . ( د ) - انكسار الماكنة أو الخلل الميكانيكي أو الكهربائي أو تعطل أي جزء من أجزاء أية سيارة مبينة في الجدول المربوط بهذا . ( هـ ) - الضرر الحاصل الى أية سيارة مبينة في الجدول المربوط بهذا والناشيء عن زيادة الحمل أو الاجهاد . ( و ) - أي عارض أو تلف أو ضرر أو مسؤلية تسببت أو نشأت عند ما تكون أية سيارة منح بشأنها التأمين أو التضمينات بموجب هذا الصك قد أجرت أو أعطيت بالكراء أو كانت مستعملة لمقاصد السباق أو مباريات قطع الاشواط أو لتجربة متانتها أو لفحص سرعتها أو أية مقاصد تخص بتجارة السيارات او لشحن البضائع أو لنقل الركاب مقابل أجرة نقدية أو ما يعادلها من البدل أو كان يسوقها المؤمن له ( أو أي شخص آخر بعلم وموافقة المؤمن له بوجه عام) بدون أن يكون في ذلك الوقت مجازاً لسوق السيارات أو مؤهلا لحيازة اجازة السوق أو كان تحت تأثير المسكرات أو المواد المخدرة . ( ز ) - أي عارض أو تلف أو ضرر أو مسؤلية تسببت أو كانت تعزى الى أو نشأت عن أو حدثت مباشرة أو غير مباشرة عن قرب أو عن بعد أو بمناسبة الفيضان أو الاعاصير أو الزوابع أو العواصف أو الثوران البركاني أو الزلزال أو ارتجاج آخر للطبيعة أو الغزو أو فعل الاعداء الاجانب أو الاعتداءات أو الحركات الحربية ( سواء قبل اعلان الحرب أو بعده ) أو الاضراب أو العصيان أو الاضطرابات الاهلية أو الثورة أو السلطة العسكرية أو المغتصبة أو بواسطة أية عواقب مباشرة أو غير مباشرة لاي من الطواريء المذكورة . وفي حالة وقوع أية مطالبة بمقتضى ذلك فعلى المؤمن له أن يبرهن على أن العارض أو التلف أو الضرر أو المسؤلية قد نشأت بصورة مستقلة ولا علاقة لها باي وجه من الوجوه أو يرجع سببها أو تعزى الى أي من الطواريء المارة الذكر أو عواقبها واذا عجز عن اثبات ذلك فالشركة لا تكون مسؤلة عن تأدية أي شيء عن مثل هذه المطالبة . كذلك بشرط أن مراعاة وايفاء المؤمن له حسب الاصول للنصوص والاحكام والشرائط والتظهيرات الواردة في هذا الصك حينما يكون لها علاقة باي شيء يقتضي اجراؤه أو تطبيقه من قبل المؤمن له وكذلك صحة البيانات والاجوبة المدونة في العرض المذكور تعتبر جميعها شروطاً مقدمة على أية مسؤلية ملقاة على الشركة بشأن اجراء أية تأدية بموجب هذا الصك . وكل تنازل عن أي من النصوص والاحكام والشرائط والتظهيرات الواردة في هذا الصك لا يكون معتبراً ما لم يقع تحريرياً ويوقع عليه من قبل موظف أو وكيل أو وكلاء للشركة معينين حسب الاصول . ان الشرائط الوارد ذكرها أعلاه هي :- ١ - يجب أن يعطى اخبار تحريري الى الشركة حالا عند حدوث أي عارض أو تلف أو ضرر أو في حالة أية مطالبة . وكل كتاب أو طلب أو اعلام أو اخطار بلزوم الحضور أو تبليغ يجب أن يقدم الى الشركة فوراً عند استلامه من قبل المؤمن له . وكذلك يجب أن يعطى الى الشركة اخطار تحريري حالما يتصل بعلم المؤمن له احتمال اقامة الدعوى بشأن أي حادث قد يؤدي الى نشوء مطالبة بمقتضى هذا الصك وفي حالة السرقة أو أي فعل جرمي آخر قد يكون موضوع المطالبة وفقاً لهذا الصك فعلى المؤمن له أن يبلغ الامر الى الشرطة حالا ويتعاون مع الشركة تأميناً لادانة المعتدي . ٢ - لا يجوز للمؤمن له الاعتراف أو التقديم أو الوعد أو تأدية أي شيء بدون الموافقة التحريرية من الشركة التي يكون لها الحق - اذا شاءت ذلك - بأن تأخذ على عاتقها وتقوم باسم المؤمن له بادارة الدفاع أو تسوية أية طلب أو أن تقيم الدعوى باسمه ولمصلحته عن أية مطالبة بالتضمينات أو الاضرار أو خلافها ضد أي طرف ثالث ويكون لها مطلق الاختيار في ادارة أية اجراءات أو في تسوية أي طلب وعلى المؤمن له أن يقدم كافة المعلومات ويسدي كل المساعدة التي قد تطلبها الشركة . ٣ - اذا حدث تلف أو ضرر لاية سيارة مبينة في الجدول المربوط بهذا فالشركة حسب اختيارها أما أن تصلح تلك السيارة أو أي جزء من أجزائها مع لوازمها وأدواتها أو تعيدها الى أصلها أو تستبدلها واما أن تدفع نقداً مقدار التلف أو الضرر ولا تتجاوز مسؤلية الشركة القيمة الفعلية للاجزاء المتضررة والتالفة مع اضافة الكلفة المعقولة للتركيب على أن لا تزيد باي حال من الاحوال على تخمين المؤمن له لقيمة تلك السيارة ( بضمنها اللوازم الموجودة عليها ) كما هو معين في الجدول المربوط بهذا للصك او قيمة تلك السيارة ( بضمنها اللوازم الموجودة عليها ) حين وقوع التلف أو الضرر أيهما أقل . ٤ - على المؤمن له أن يتخذ كافة التدابير المعقولة لصيانة أية سيارة مبينة في الجدول المربوط بهذا من الضرر والتلف ومحافظتها بحالة صالحة وللشركة في جميع الاوقات الحرية المطلقة والكاملة لفحص تلك السيارة أو أي جزء من أجزائها أو أي سائق أو مستخدم لدى المؤمن له . ولا يجوز في حالة وقوع عارض أو خلل للسيارة المذكورة تركها بدون الاهتمام بها بل يلزم اتخاذ الاحتياطات
[Stamp] IRAQ [Stamp] POSTAGE [Stamp] REVENUE [Stamp] 10 FILS [Stamp] 20 FILS [Stamp] 29 MAR 1948 Alliance 1824 MULTI SOCIETATE TUTIORES Assurance Company, Limited. (INCORPORATED IN ENGLAND.) ASSETS EXCEED 35 MILLIONS STERLING. Head Office : BARTHOLOMEW LANE, LONDON, E.C. 2 PRIVATE MOTOR CARS. Whereas the Insured designated in the Schedule hereto has applied to THE ALLIANCE ASSURANCE COMPANY LIMITED (hereinafter called "the Company") by a Proposal which the Insured has agreed shall be deemed to be of a promissory nature and effect and the basis of this Contract and which is deemed to be incorporated herein and has paid or agreed to pay the premium stated in the Schedule hereto as consideration for the Indemnity hereinafter contained. Now this Policy Witnesseth that the Company will subject to the Terms Provisions and Conditions contained herein or endorsed hereon indemnify the Insured against loss damage and/or liability as hereunder mentioned actually occurring or arising during the period stated in the Schedule hereto or during any period for which the Company may accept payment for the renewal of this Policy that is to say :— 1. Loss of or Damage to any Motor Car described in the Schedule hereto and necessary Lamps Tyres and Accessories whilst thereon resulting from any Accidental Collision or Overturning or Collision or Overturning consequent upon Mechanical Breakdown or consequent upon Wear and Tear but excluding accidental damage to Tyres unless such Motor Car is damaged at the same time. 2. Loss of or Damage to any Motor Car described in the Schedule hereto and necessary Lamps Tyres and Accessories whilst thereon (a) By Fire External Explosion Self Ignition or Lightning or Burglary Housebreaking or Theft, or (b) By Malicious Act or (c) In transit by Road Rail Inland Waterway Lift or Elevator but excluding damage to Tyres unless such Motor Car is damaged at the same time. 3. The cost of protection and removal of any Motor Car described in the Schedule hereto to the nearest repairers in consequence of accident causing damage which is covered hereunder but not exceeding twenty per cent. of the agreed cost of the repairs. 4. Liability at law for compensation (including Law Costs of any claimant) for death of or bodily injury to any person caused by the use of any Motor Car described in the Schedule hereto except where such death or injury arises out of or in the course of the employment of such person by the Insured and excluding liability to a person being a member of the Insured's household. Provided that the liability of the Company is limited in respect of any one claim or series of claims arising out of one event to the sum stated in the Schedule hereto including such Law Costs. 5. Liability at law for compensation (including Law Costs of any claimant) for damage caused by the use of any Motor Car described in the Schedule hereto to property other than property belonging to held in trust by or in the custody or control of the Insured or a member of the Insured's household. Provided that the liability of the Company is limited in respect of any one claim or series of claims arising out of one event to the sum stated in the Schedule hereto including such Law Costs. 6. Liability at law as defined in Clauses 4 and 5 above arising whilst the Insured is personally driving a Private Motor Car not belonging to him and not hired to him under a hire purchase agreement provided that (a) one of the cars described in the Schedule hereto is not in use at the time and (b) the liability of the Company under this Clause shall not exceed the respective limits of indemnity under the aforesaid Clauses 4 and 5. 7. All costs and expenses incurred with the written consent of the Company. It is also agreed that : 8. In the terms of and subject to the limitations of and for the purposes of Clauses 4, 5 and 7 of this Policy the Company will at the request of the Insured treat as though he were the Insured any relative or friend of the Insured whilst driving any Motor Car described in the Schedule hereto for social domestic or pleasure purposes with the Insured's general knowledge and consent provided :— (1) That such relative or friend is not entitled to indemnity under any other Policy. (2) That such relative or friend shall as though he were the Insured observe fulfil and be subject to the Terms Provisions Conditions and Endorsements of this Policy insofar as they can apply. (3) That such relative or friend has not been refused any Motor Vehicle insurance or continuance thereof by any Insurance Company or Underwriter. (4) That such relative or friend is at the time a duly licensed driver. 9. The Insured may authorise the repair of any Motor Car described in the Schedule hereto necessitated by damage for which the Company may be liable under this Policy provided :— (a) That the estimated cost of such repair does not exceed the amount stated in the Schedule hereto. (b) That the Company be furnished forthwith with a detailed estimate of the cost and (c) That the Insured shall give the Company every assistance to see that such repair is necessary and the charge reasonable. 10. The Company may at its own option arrange for representation at any Inquest or Fatal Enquiry in respect of any death which may be the subject of indemnity under this Policy and may undertake the defence of proceedings in any Police Court or Court of First Instance in respect of any act or alleged offence causing or relating to any event which may be the subject of indemnity under this Policy. 11. The Company will pay to the Insured the reasonable medical expenses incurred in connection with any bodily injury by violent accidental external and visible means sustained by the Insured or his driver or any occupant of any Motor Car described in the Schedule hereto as the direct and immediate result of an accident to such Motor Car provided that the liability of the Company in respect of any one accident shall not exceed the sum stated in the Schedule hereto. Provided always that the Company shall not be liable to make any payment in respect of :— (a) Any accident loss damage or liability caused or arising outside the geographical area stated in the Schedule hereto. (b) Consequential loss sustained by the Insured or loss of use of any Motor Car described in the Schedule hereto resulting from any accident. (c) Wear and Tear and/or depreciation of any Motor Car described in the Schedule hereto or any part of such Motor Car (d) Mechanical Fracture and/or Mechanical or Electrical Breakdown or failure of any part of any Motor Car described in the Schedule hereto. (e) Damage to any Motor Car described in the Schedule hereto caused by overloading or strain. (f) Any accident loss damage or liability caused or arising whilst any Motor Car in connection with which insurance or indemnity is granted hereunder is let on hire or is being used for racing pace-making reliability trial or speed testing or any purposes in connection with the Motor Trade or for the transport of goods or for the conveyance of passengers for monetary or equivalent consideration or is being driven by the Insured (or by any other person with the general knowledge and consent of the Insured whilst unlicensed or not qualified at the time to hold a driving licence or whilst under the influence of intoxicating liquor or drugs. (g) Any accident loss damage or liability directly or indirectly proximately or remotely occasioned by contributed or traceable to or arising out of or in connection with Flood Typhoon Hurricane Windstorm Volcanic Eruption Earthquake or other convulsion of nature Invasion the act of Foreign Enemies Hostilities or Warlike Operations (whether before or after Declaration of War) Strike Riot Civil Commotion Rebellion Military or Usurped Power or by any direct or indirect consequences of any of the said occurrences and in the event of any claim hereunder the Insured shall prove that the accident loss damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed or traceable to any of the said occurrences or any consequence thereof and in default of such proof the Company shall not be liable to make any payment in respect of such a claim. Provided also that the due observance and fulfilment of the Terms Provisions Conditions and Endorsements of this Policy by the Insured insofar as they relate to anything to be done or complied with by the Insured and the truth of the statements and answers in the said Proposal shall be conditions precedent to any liability of the Company to make any payment under this Policy. No waiver of any of the Terms Provisions Conditions and Endorsements of this Policy shall be valid unless made in writing signed by an official or duly-appointed Agent(s) of the Company.