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⟦illegible⟧/⟦illegible⟧/⟦illegible⟧ Insurance policy for the furniture of the headquarters of the Israeli Community and the Safawna Khans ⟦line⟧ ⟦illegible⟧
IJA 2733
Correspondence, Insurance Receipts, Rental Agreement, Electricity Bills, Baghdadi Jewish Community
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These 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.
AI en Translation, Pages 151-175
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Telephone No. 3946 Telephone No. 3946 Haroun Dawood Shohet & Elias Akereb Company Ltd. H. D. Shohet & E. Akereb Ltd. Baghdad on: 28 / 9 / 1951 Baghdad,: 195 To the: Respectable Head of the Jewish Community Baghdad: Dr. To The South British Insurance Co. Ltd. | I.D. | Fils Insurance fees on the attached renewed fire policy Renewal No. 42/2985 In the amount of 4/500 for a period of one year. | 4 | 500 ⟦illegible signature⟧ Payment in the amount of 4/500 Dinars As per receipt number 700 Date 21 / 10 / 51
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Baghdad Agency. Renewal No 42/3985. The South British Insurance Company, Limited. AUTHORISED CAPITAL £ 2,000,000 SUBSCRIBED & PAID-UP CAPITAL £ 1,031,640. THE LIABILITY OF MEMBERS OF THE COMPANY IS LIMITED INCORPORATED IN NEW ZEALAND BOMBAY BRANCH: CANADA BUILDING, HORNBY ROAD, FORT, Baghdad, 14th September, 19 51. Sum Insured: ID. 750/- Premium: ID. 4/500 Certified to: The President of the Jewish Committee, Baghdad. that the Renewal of Policy No. 42/ 14292. has been effected from the FOURTEENTH day of SEPTEMBER 19 51 to the FOURTEENTH day of SEPTEMBER 19 52 at 4 p.m. (Standard Time) This Renewal is subject to such Tariff Rates and Regulations as may be in force at the date from which the policy is renewed. ** If any Stove, Steam-Engine, Furnace or other Implement for producing heat has been erected on the premises, if they are unoccupied or if the nature of the risk be in any other respect changed, it is necessary (for your security) that the circumstance should at the time be made known, in writing to the Company's Manager or Agent. For The South British Insurance Co. Ltd. ⟦illegible⟧ AGENTS Agent. Form No. 340. Kingdom of Iraq 20 FILS 20 Fils BAGHDAD ⟦15 SEP 1951⟧
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Legal & General Assurance Society Ltd. ESTABLISHED 1836 ALDWYCH HOUSE, ALDWYCH, LONDON, W.C.2 IRAQ AGENCY: SELIM E. AKERIB & CO. LTD. BAGHDAD LEGAL AND GENERAL ASSURANCE SOCIETY LIMITED FIRE POLICY No.: 110611 Name: The Jewish Lay Council Sum Insured: ID. 6000/- Payable: 30.6.1951. The Insured should, for his own protection, examine the Policy, in order to verify the correctness of the description of the Property insured. ⟦illegible⟧ ⟦illegible⟧
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F. F. POLICY. Agency No.5160 Stamps Fils 150 & 10 Legal and General ESTD. 1836 Assurance Society LIMITED. LEGAL AND GENERAL ASSURANCE SOCIETY LIMITED Subscribed Capital - £1,000,000. Paid-up Capital - £250,000 Registered Office: 188, FLEET STREET, LONDON, E.C.4. Overseas Fire and Accident Depts.: ALDWYCH HOUSE, ALDWYCH, LONDON, W.C.2. Policy No. F.F.: 110611 (6): First Premium: ID.36/- Period of Insurance: from: 30th June 1950 to: 30th June 1951 Sum Insured -: ID.6000/- Renewable at: Renewal Premium -: ID.36/- This Policy of Insurance Witnesseth that in consideration of The Jewish Lay Council, Baghdad, (hereinafter called the Insured) paying to the Legal & General Assurance Society Limited OF LONDON (hereinafter called the Society) the First Premium above mentioned on the margin for insuring against Destruction or Damage by FIRE and/or LIGHTNING as hereinafter mentioned the Property hereinafter described in the sum following namely :- IRAQ DINARS SIX THOUSAND ONLY On the buildings (excluding plinths, foundations and pavements) belonging to the Insured and being built of bricks and reinforced cement with roofs of bricks on steel joists, situate at Taht El Takya, Baghdad, namely : 1. On the building (including the electrical installations and fittings therein) consisting of a basement bearing No.154/113 and the upper storey thereof bearing No.154A/113 and two shops bearing Nos.154B/113 and 154G/113 respectively ⟦line⟧ ID.2500/- 2. On the buildings(including electrical installations and fittings therein) consisting of a basement bearing No.152G/113 and the upper storey thereof bearing Nos.152/113 and 152B/113 occupied as Offices of the Jewish Lay Council and Commercial Offices respectively and one shop bearing No.152A/113 ⟦line⟧ ID.3500/- the said premises being occupied as Offices and/or warehouses and/or retail shops ⟦line⟧ Retail sales, lighting and heating by coal, kerosene oil, electricity allowed ⟦line⟧ Storage of hazardous goods allowed in the above mentioned premises but warranted that no cotton be stored, excepting that the storage of not more than four fully pressed bales of cotton is allowed, but WARRANTED that there be not in or upon the above mentioned three shops (Nos.154B/113, 154G/113 and 152A/113) at any time during the currency of this policy hazardous goods as specified in the list attached hereto ⟦line⟧ Subject to Electrical Clause attached ⟦line⟧ Notwithstanding any provision of law to the contrary or any provisions hereof the Society shall in no event be liable for more than the value of the property insured hereby at the time of any loss or damage happening thereto ⟦line⟧ The Society agrees (subject to the Conditions contained herein or endorsed or otherwise expressed hereon which Conditions shall so far as the nature of them respectively will permit be deemed to be Conditions precedent to the right of the Insured to recover hereunder) that if after payment of the premium the Property insured above described, or any part of such Property, be destroyed or damaged by Fire and/or Lightning at any time before 4 o'clock in the afternoon of the last day of the period of insurance above mentioned on the margin or of any subsequent period in respect of which the Insured shall have paid and the Society shall have accepted the premium required for the renewal of this Policy, the Society will pay to the Insured the value of the property at the time of the happening of its destruction or the amount of such damage or at its option reinstate or replace such property or any part thereof Provided that the liability of the Society shall in no case exceed in respect of each item the sum set opposite thereto to be insured hereby or such other sum or sums as may be substituted therefor by memorandum hereon or attached hereto, signed by or on behalf of the Society. In Witness thereof we have hereunto subscribed our names this: SECOND day of: JULY One Thousand Nine Hundred and: Fifty. ⟦Signature⟧ Exd. F.F. 25a. Printed in England
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CONDITIONS REFERRED TO IN THIS POLICY. 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 Society 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 Society unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Society shall have been given to the Insured. 3.—The Insured shall give notice to the Society 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 Society 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 the whole or any part of the range of buildings or of any structure of which such building forms part, (b) of the whole or any part thereof, PROVIDED that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material AND PROVIDED that such fall or displacement is not caused by Fire, loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Insured. 5.—This Insurance does not cover (a) Loss by theft during or after the occurrence of a fire. (b) Loss or damage to property occasioned by its own fermentation, natural heating or spon- taneous combustion (except as may be provided in accordance with Condition 7 f), or by its undergoing any heating or drying process. (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. (2) Subterranean Fire. 6.—This Insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent, directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely:— (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege. Any loss or damage happening during the existence of abnormal conditions (whether physical or otherwise), directly or indirectly, proximately or remotely, occasioned by or contributed to by or arising out of or in connection with any of the said occurrences shall be deemed to be loss or damage which is not covered by this Insurance, except to the extent that the Insured shall prove that such loss or damage happened independently of the existence of such abnormal conditions. In any action, suit or other proceeding, where the Society alleges that by reason of the provisions of this condition any loss or damage is not covered by this Insurance, the burden of proving that such loss or damage is covered shall be upon the Insured. 7.—Unless otherwise expressly stated in the Policy this Insurance does not cover (a) Goods held in trust or on commission. (b) Bullion or unset precious stones. (c) Any curiosity or work of art for an amount exceeding £20. (d) Manuscripts, plans, drawings, or designs, patterns, models or moulds. (e) Securities, obligations, or documents of any kind, stamps, coined or paper money, cheques, books of account or other business books. (f) Coal, against loss or damage occasioned by its own spontaneous combustion. (g) Explosives. (h) Any loss or damage occasioned by or through or in consequence of explosion; but loss or damage by explosion of gas used for illuminating or domestic purposes in a building in which gas is not generated and which does not form part of any gas works, will be deemed to be loss by fire within the meaning of this Policy. (i) Any loss or damage occasioned by or through or in consequence of the burning, whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire. 8.—Under any of the following circumstances the insurance ceases to attach as regards the property affected unless the Insured, before the occurrence of any loss or damage, obtains the sanction of the Society signified by endorsement upon the Policy, by or on behalf of the Society. (a) If the trade or manufacture carried on be altered, or if the nature of the occupation of or other circumstances affecting the building insured or containing the insured property be changed in such a way as to increase the risk of loss or damage by fire. (b) If the building insured or containing the insured property become unoccupied and so remain for a period of more than 30 days. (c) If property insured be removed to any building or place other than that in which it is herein stated to be insured. (d) If the interest in the property insured pass from the Insured otherwise than by will or operation of law. 9.—This Insurance does not cover any loss or damage to property which, at the time of the happening of such loss or damage, is insured by or would, but for the existence of this Policy, be insured by any Marine Policy or Policies except in respect of any excess beyond the amount which would have been payable under the Marine Policy or Policies had this Insurance not been effected. 10.—This Insurance may be terminated at any time at the request of the Insured, in which case the Society 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 Society, on notice to that effect being given to the Insured, in which case the Society shall be liable to repay on demand a ratable proportion of the premium for the unexpired term from the date of the cancelment. 11.—On the happening of any loss or damage the Insured shall forthwith give notice thereof to the Society, and shall within 15 days after the loss or damage, or such further time as the Society may in writing allow in that behalf, deliver to the Society (a) a claim in writing for the loss and damage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto respectively, having regard to their value at the time of the loss or damage, not including profit of any kind. (b) particulars of all other Insurances, if any. The Insured shall also at all times at his own expense produce, procure and give to the Society 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 Society as may be reasonably required by or on behalf of the Society 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 Society may (a) enter and take and keep possession of the building or premises where the loss or damage has happened. (b) take possession of or require to be delivered to it any property of the Insured in the building or on the premises at the time of the loss or damage. (c) keep possession of 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 Society at any time until notice in writing is given by the Insured that he makes no claim under the Policy or, if any claim is made, until such claim is finally determined or withdrawn, and the Society shall not by any act done in the exercise or purported exercise of its powers hereunder, incur any liability to the Insured or diminish its right to rely upon any of the conditions of this Policy in answer to any claim. If the Insured or any person on his behalf shall not comply with the requirements of the Society or shall hinder or obstruct the Society in the exercise of its powers hereunder, all benefit under this Policy shall be forfeited. The Insured shall not in any case be entitled to abandon any property to the Society whether taken possession of by the Society or not. 13.—If the claim be in any respect fraudulent, or if any false declaration be made or used in support thereof, or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under this Policy; or, if the loss or damage be occasioned by the wilful act, or with the connivance of the Insured; or, if the claim be made and rejected and an action or suit be not com- menced 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 Society 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 Society or Insurers in so doing, but the Society 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 Society be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage, nor more than the sum insured by the Society thereon. If the Society so elect to reinstate or replace any property the Insured shall, at his own expense, furnish the Society with such plans, specifications, measurements, quantities, and such other particulars as the Society may require, and no acts done, or caused to be done by the Society with a view to reinstatement or replacement shall be deemed an election by the Society to reinstate or replace. If in any case the Society 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 Society shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15.—The Insured shall, at the expense of the Society, do, and concur in doing, and permit to be done, all such acts and things as may be necessary or reasonably required by the Society for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Society 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 Society. 16.—If at the time of any loss or damage happening to any property hereby insured, there be any other subsisting Insurance or Insurances, whether effected by the Insured or by any other person or persons, covering the same property, this Society shall not be liable to pay or contribute more than its ratable proportion of such loss or damage. 17.—If the property hereby insured shall, at the breaking out of any fire, be collectively of greater value than the sum insured thereon, then the Insured shall be considered as being his own Insurer for the difference and shall bear a ratable proportion of the loss accordingly. Every item, if more than one, of the Policy shall be separately subject to this condition. 18.—If any difference arises as to the amount of any loss or damage such difference shall independently of all other questions be referred to the decision of an arbitrator, to be appointed in writing by the parties in difference, or, if they cannot agree upon a single arbitrator, to the decision of two disinterested persons as arbitrators, of whom one shall be appointed in writing by each of the parties within two calendar months after having been required so to do in writing by the other party. In case either party shall refuse or fail to appoint an arbitrator within two calendar months after receipt of notice in writing requiring an appoint- ment, 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 disputed shall be first obtained. 19.—In no case whatever shall the Society 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 Society required by these Conditions must be written or printed. LEGAL AND GENERAL ASSURANCE SOCIETY LIMITED ⟦illegible blue stamp⟧ This Society is expressly declared to be free from liability for loss of or damage to any elect- rical machine, apparatus, fixture or fitting (in- cluding electric fans, electric household or domestic appliances, wireless sets and radios) or to any portion of the electrical installation, aris- ing from or occasioned by overrunning, excessive pressure, short circuiting, arcing, self heating, or leakage of electricity, from whatever cause (lightning included); provided that this exemp- tion shall apply only to the particular electrical machine, apparatus, fixture, fitting or portion of the electrical installation so affected and not to other machines, apparatus, fixtures, fittings or portions of the electrical installation which may be destroyed or damaged by fire so set up. This Society is expressly declared to be free from liability for loss of or damage to heating and cooking stoves caused directly by their own heat and/or flames. The electrical clause for the attached policy It is hereby declared that the company shall not be liable for any loss or damage affecting any electrical machine, electrical apparatus, equipment, or installations (including electric fans, domestic electrical items, wireless devices and radio) or any part of the electrical apparatus due to or as a result of the following incidents regardless of their origin (including lightning), which are: overcurrent or electrical pressure, short circuit, generation of electrical sparks, self-combustion, and electrical leakage. However, this exception only applies to that specific electrical machine or that apparatus, equipment, or electrical installations or that part of the electrical apparatus that was directly affected only, while other machines, apparatus, electrical equipment, and parts of the electrical apparatus that are destroyed or damaged as a result of that fire are not included in the mentioned exception. It is hereby declared that the company shall not be liable for any loss or damage occurring in heating and cooking stoves directly from their heat and/or flames. LIST OF HAZARDOUS GOODS. The following goods are to be deemed hazardous :— Acetylene (Liquid). | Explosives of all kinds. | Paraffin. | Resin. Acid of all kinds (except Acetic, | Fulminating Powder. | Percussion Caps. | Rockets. Citric and Tartaric). | Ghee. | Petrol. | Rock Oil. Bamboo Mats | Grasses of all kinds. | Petroleum and its liquid | Saltpetre. Benzine. | Gunny Bags other than in fully | products. | Shoddy. Benzoline. | pressed bales. | Phosphorus. | Spirits of all kinds, not in Bi-Sulphide of Carbon. | Gunpowder. | Pitch. | bottles. Brimstone. | Hay. | Potassium. | Stearine. Calcium Carbide. | Hemp. | Potassium bichromate, | Straw. Camphene. | Hessians other than in bales | binoxalate,* | Sulphur Dyes or Colours (ex- Camphor. | Jute (in fully pressed bales or | chlorate, | cluding those packed in air- Candles. | otherwise). | cyanide,* | tight metal vessels labelled Cartridges. | Kerosene. | ferrocyanide,* | with a certificate by the Celluloid and Xylonite and | Lampblack. | hydroxide. | manufacturers that the other similar substances. | Lime. | nitrate, | dyes (or colours) contain at Charcoal (Powdered). | Matches of all kinds. | nitrite, | least 10 per cent of inert Chlorate of Potash. | Mungo. | perchlorate, | inorganic salts). Chlorate of Soda. | Naphtha. | permanganate, | Tallow, manufactured or un- Cocoanut Oil. | Nitrate of Soda. | peroxide, | manufactured. Codilla. | Nitro-Glycerine. | persulphate, | Tar. Coir and Coir Yarn. | Oils of all kinds. | sulphide. | Turpentine. Cordite. | Oxalate of potash* | Prussiate of potash.* | Varnish. Cotton (whether in full | Paints (Liquid). | Rags. | Vegetable Fibres of all kinds. pressed bales or otherwise) | | | Waste of all kinds. Cotton Seeds | | | Crackers. | | | *If stored on the same floors as, or on floors above, foodstuffs. N.B.—The undernoted small quantities of articles for private use or retail purposes only may be kept on premises insured at the non-hazardous rate :— Oil or Ghee other than kerosene | ... | not exceeding 1 tin or drum of 5 gallons ; Chemical products or liquids in bottles or tins | ... | " " 1 Gallon or 14 lbs. as the case may be : Loaded Cartridges | ... | " " 1,000 : Safety and/or wax matches | ... | " " 10 gross of boxes ; Candles | ... | " " 10 cases ; Kerosene Oil | ... | " " 6 cases or 50 gallons.
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Stamp 300 fils Agency 5160 No. 13954 FIRE RENEWAL RECEIPT (OVERSEAS) LEGAL AND GENERAL ASSURANCE SOCIETY LIMITED Legal & General Assurance Society Ltd. ALDWYCH HOUSE, LONDON, W.C.2 Agent: SELIM E. AKERIB & CO. LTD. BAGHDAD,: June 19th 19 51 RECEIVED from: The Jewish Lay Council, Baghdad the Premium named below for the Renewal of the undermentioned Policy: from: 30th. June 1951 to: 30th. June 1952 Policy No.: 110611 Sum Insured: ID. 6000/- Premium: ID. 36/- ⟦100 fils revenue stamp⟧ ⟦100 fils revenue stamp⟧ ⟦100 fils revenue stamp⟧ ⟦Blue ink stamp: SELIM E. AKERIB & CO. LTD. BAGHDAD⟧ ⟦illegible signature⟧ Agent. F.F. 138. ⟦Decorative border on left margin⟧
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The Honorable Vice President Attached herewith is the letter addressed from the insurance company belonging to Mr. Salim Aqirub regarding the insurance of the properties of the Jewish community located in the Qambar Ali neighborhood, Al-Taawun plot, for an amount of 6,000/000 dinars, the fee for which, according to the attached list, is thirty-six dinars only; noting that the insurance renewal fee for the previous year was 28/800 dinars for the same amount of 6,000/000 dinars. I have contacted the aforementioned company and they replied that a special discount will be granted to us after your honor's approval of the renewal fee, so that it will be the same as the previous year. Kindly provide your opinion on the matter, please. Accountant 17 / 6 / 1951 Approved provided that the discount time is observed ⟦illegible signature⟧ 17 / 6 / 1951 The Honorable Vice President We have received a notice from the aforementioned insurance company for the amount of ⟦36/000⟧ dinars for the insurance of the ⟦properties⟧ whose value is ⟦6,000/000⟧ for an amount of 28/800 dinars, and they replied that they cannot reduce the mentioned amount from the mentioned list. Accordingly, I have issued the check numbered ⟦878128⟧ dated 22 / 6 / 1951 for the amount of 28/800 dinars to the order of the mentioned company, provided that it ⟦continues⟧ with the same mentioned value for the insurance ⟦...⟧ Request Accountant 22 / 6 / 1951
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TEL. 5451 Legal & General Assurance Society Ltd. (Established in 1836 in England) LEGAL & GENERAL ASSURANCE SOCIETY LTD. (Estd. 1836 in Great Britain). GENERAL AGENTS FOR IRAQ KHAN KUBBAH BUILDING SELIM E. AKERIB & Co., LTD. TELEGRAPHIC ADDRESS BAGHDAD AKERIB - BAGHDAD P. O. B. 210 Jewish Lay Council Baghdad. Dear Sir, We inform you that the policy referred to below will be due for renewal We beg to inform you that the undernoted Policy will fall due on ⟦...⟧ and until ⟦...⟧ for renewal on the 30/6/51 To keep the insurance in force, we inform you that the premium must be paid Payment of the premium should on the date mentioned above or before it. be made on or before that date, in order that the insurance may And please accept our highest respect. remain in force. Yours faithfully, ⟦illegible signature⟧ Policy No.: 110611 Policy Number: Sum Insured: ID 6000. Amount Insured: Renewal Premium: ID 36. — Renewal Fee: Interest: Buildings under No. 154/113 . 154 A/113 154 B/113 154 C/113 . 152/113 . 152 B/113 . 152 C/113 . 152 A/113 . Subject of Insurance: 1 - If the nature of the risk changes in any way, it is necessary to inform this office. 2 - Please estimate the current value of the insured items because the insurance company is not responsible in this regard. Note:—If the nature of the risk be in any respect changed, it is necessary for your security that the circumstances are made known at this Office. Please estimate the present value of the property to be insured as the Society takes no responsibility in the matter.
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2416 THE SOUTH BRITISH INSURANCE COMPANY LIMITED The South British Insurance Company, Limited. Baghdad,: 8th Oct 1950 RECEIVED from: M/s. The President of the Jewish Committee, Baghdad the sum of Iraq Dinars: Four & fil five hundred only, being premium on ren. no. 3902 on policy no. 14292 for 750/- paid as per O.B. Cheque No. 874581 dated 29/9/50 ⟦line⟧ I.D.: 4/500 Finance 5 Fils Finance 5 Fils For THE SOUTH BRITISH INSURANCE COMPANY LIMITED., H. D. SHOHET & E. AKEREB LTD. ⟦signature⟧ Chief Agents
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Honorable Vice President Please kindly approve the extension of the insurance policy for the furniture of the Denomination Presidency in the amount of 750/- Dinars, which will expire on 12/5/64 Noting that the insurance cost is 4/500 Dinars annually. ⟦illegible⟧ The Accountant Approved ⟦illegible⟧ 12 / 5
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TELEPHONE Nos. Office : 3946. Residence : 4557. 3780. EXPIRY NOTICE. Head of the Community THE SOUTH BRITISH INSURANCE COMPANY, LIMITED. Messrs. H. D. SHOHET & E. AKEREB, LTD.—Chief Agents. Samawaal (Banks') Street, BAGHDAD,⟦line⟧19 . The President of the Jewish Committee, ⟦line⟧ Sir, For your security I beg to remind you of the expiry of your policy as described below. £ 10.. I am, Sir, Yours faithfully, ⟦illegible signature⟧ Agents. Policy No.: 42/14292 Expiry Date at 4 p.m. (S.T.): 14- 9- 19 50 . Sum Insured I. D.: 750/- Premium I. D.: ⟦line⟧ on Office Furniture,Fixtures and fittings including Carpets,books, stationery,Typewriters and similar articles while contained in Building used as Office of the Jewish President, M.N.152/113 at Taht-el-Takia 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.
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Baghdad Agency. Renewal No. 3902 The South British Insurance Company, Limited. AUTHORISED CAPITAL £ 2,000,000 THE LIABILITY OF MEMBERS OF THE COMPANY IS LIMITED - INCORPORATED IN NEW ZEALAND SUBSCRIBED & PAID-UP CAPITAL £ 1,031,640. BOMBAY BRANCH: CANADA BUILDING, HORNBY ROAD, FORT, ⟦illegible revenue stamp text⟧ 22 SEP 1950 Baghdad, 18th Sept., 19 50 Sum Insured ID. 750/-.. Premium ID. 4/500 Certified to The President of the Jewish Committee, Baghdad. that the Renewal of Policy No. 42/ 14292 has been effected from the Fourteenth day of September 19 50 to the Fourteenth day of September 19 51 at 4 p.m. (Standard Time) This Renewal is subject to such Tariff Rates and Regulations as may be in force at the date from which the policy is renewed. If any Stove, Steam-Engine, Furnace or other Implement for producing heat has been erected on the premises, if they are unoccupied or if the nature of the risk be in any other respect changed, it is necessary (for your security) that the circumstance should at the time be made known, in writing to the Company's Manager or Agent. ⟦illegible signature⟧ Agent. Form No. 340.
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Selim E. Akerib & Co., Ltd. - Baghdad Debit Note No. 609 Baghdad, 1950/7/2 DR. The Honorable Secular Council of the Israelite Community to SELIM E. AKERIB & Co., LTD. | Dinars | Fils Fire insurance premium on the buildings numbered 154, 154a, 154b, and 154c 112 and 152, 152c, 152b, and 152a 112 Located in Taht al-Takiya for a period of one year ending on 1951/6/20 according to insurance policy No. 110611 for the amount of (6000) Dinars | 26 | - ⟦illegible⟧
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TEL. 5451 Legal & General Assurance Society Ltd. (Established in 1836 in England) LEGAL & GENERAL ASSURANCE SOCIETY LTD. (Estbd. 1836 in Great Britain). Selim Akrib GENERAL AGENTS FOR IRAQ SELIM E. AKERIB & Co., LTD. KHAN KUBBAH BUILDING TELEGRAPHIC ADDRESS AKERIB - BAGHDAD BAGHDAD 20/6/1950 P. O. B. 210 To the Honorable Lay Council of the Jewish Community Baghdad Dear Sir, We beg to inform you that the | We inform you that the policy referred to below will be due for renewal undernoted Policy will fall due | on June 20, 1950 until for renewal on the Payment of the premium should | For the insurance to remain in force, we inform you that the premium must be paid be made on or before that date, | on or before the date mentioned above. in order that the insurance may remain in force. Yours faithfully, | Please accept our highest respects. SELIM E. AKERIB & Co. Ltd. DIRECTOR ⟦signature⟧ Policy No. / Policy Number: 110469 Sum Insured / Sum Assured: (7500) Dinars Renewal Premium / Renewal Fee: (45/-) " Interest / Subject of Insurance: Numbered Buildings 2000/- Dinars | 2154 | 2154 | 2154 | 154 ⟦line⟧ | ⟦line⟧ | ⟦line⟧ | ⟦line⟧ 112 | 112 | 112 | 112 " 4500/- | 2152 | 2152 | 152 | 2152 ⟦line⟧ | ⟦line⟧ | ⟦line⟧ | ⟦line⟧ 7500/- | 112 | 112 | 112 | 112 ⟦line⟧ 1 - If the nature of the risk changes in any way, it is necessary to inform this office. 2 - Please estimate the present value of the insured items because the insurance company is not responsible in this regard. Note:—If the nature of the risk be in any respect changed, it is necessary for your security that the circumstances are made known at this Office. Please estimate the present value of the property to be insured as the Society takes no responsibility in the matter.
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1531 The South British Insurance Company, Limited. THE SOUTH BRITISH INSURANCE COMPANY LIMITED Baghdad, 15th Sep 1949 RECEIVED from M/s. The President of the Jewish Committee Baghdad the sum of Iraq Dinars Four & fils five hundred only, being premium due under renewal No. 3780 on fire policy No. 42/14292 for ID. 12.750/- I.D. 4.500 For The South British Insurance Company Limited., H. D. SHOHET & E. AKEREB LTD. ⟦signature⟧ Chief Agent 8 FILS 8 FILS THE SOUTH BRITISH INSURANCE CO. LTD. 1949 BAGHDAD
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Baghdad Agency. Renewal No. 3780 The South British Insurance Company, Limited. AUTHORISED CAPITAL £ 2,000,000 THE LIABILITY OF MEMBERS OF THE COMPANY IS LIMITED INCORPORATED IN NEW ZEALAND SUBSCRIBED & PAID-UP CAPITAL £ 1,031,640. BOMBAY BRANCH : CANADA BUILDING, HORNBY ROAD, FORT, Baghdad, 14th September 194 9 Iraq 20 Fils ⟦illegible⟧ Sum Insured ID. 750/- Premium ID. 4/500 Certified to The President of the Jewish Committee, <del>XXXXXX.</del> B a g h d a d . that the Renewal of Policy No. 42/14292 has been effected from the Fourteenth day of September 19 49 to the Fourteenth day of September 19 50 at 4 p.m. (Standard Time.) This Renewal is subject to such Tariff Rates and Regulations as may be in force at the date from which the policy is renewed. * If any Stove, Steam-Engine, Furnace or other Implement for producing heat has been erected on the premises, if they are unoccupied or if the nature of the risk be in any other respect changed, it is necessary (for your security) that the circumstance should at the time be made known, in writing to the Company's Manager or Agent. ⟦signature⟧ Agent. Form No. 340.
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TELEPHONE Nos. Office: 3946. Residence: 4557. 3470. EXPIRY NOTICE. THE SOUTH BRITISH INSURANCE COMPANY, LIMITED. Messrs. H. D. SHOHET & E. AKEREB, LTD.—Chief Agents. Samawaal (Banks') Street, BAGHDAD, ⟦line⟧19 . The Community To: The President of the Jewish Committee, Salutation: Sir, Message: For your security I beg to remind you of the expiry of your policy as described below. I am, Sir, Yours faithfully, ⟦illegible signature⟧ Agents. Policy No.: 42/ 14292 Expiry Date at 4 p.m. (S.T.): 14 - 9 - 1949. Sum Insured I. D.: 750/- Premium I. D.: 4/500 on: office furniture, fixtures & fittings in use in a building used as office of the Jewish President Mpl. No. 152/113, at Taht el Takia 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.
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IRAQ AGENCY. No. 42 / 760 The South British Insurance Company Limited. THE SOUTH BRITISH INSURANCE COMPANY LIMITED Baghdad,: 12th September 1948 Received from: The President of the Jewish Community, Baghdad the sum of I. D.: four & fils 500/- being amount of Premium as noted below for: Fire Renewal insurance to the extent of I. D.: 750/- under Policy No.: 42/14392 from: 14th September 1948 to: 14th September 1949 at 4 p. m., Standard Time.: Premium, I. D.: 4/500 8 fils IRAQ REVENUE THE SOUTH BRITISH INSURANCE CO. LTD. 12 SEP 1948 BAGHDAD for The South British Insurance Co. Ltd. H. D. Shohet & E. Akereb Ltd. Chief Agent. CHIEF AGENT
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The South British Insurance Co., Ltd. (INCORPORATED IN NEW ZEALAND.) LIABILITY OF SHAREHOLDERS LIMITED. ENDORSEMENT No.: 3922 ATTACHING TO POLICY No.: 42/ 14292 EXPIRY DATE: 14th September, 1948 The President of the Jewish Committee Baghdad. ⟦line⟧ It is hereby declared and agreed that the um insured by the within mentioned policy stands increased by ID.250/- to ID.750/-, as from date of renewal. It is also declared and agreed that in case of loss or damage no single article to be declared for insurance at more than ID.25/- except :- 1 Remington Typewriter | ID.40/- 2- Persian carpet | 30/- 3- Iron safe | 30/- 4- Iron safe | 40/- 5. two persian carpets | 90/- each. All other terms, conditions and exceptions of the policy remain unaltered. Entered in the Company's Books, Baghdad this 10th day of September, 1948 For The South British Insurance Co. Ltd. E. D. Shohet & E. Akereb Ltd. CHIEF AGENT THE SOUTH BRITISH INSURANCE COMPANY LIMITED Form No. 35.
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Form No. 1. THE SOUTH · BRITISH INCORPORATED IN NEW ZEALAND INSURANCE COMPANY, LTD. (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.
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THE CONDITIONS REFERRED TO IN THIS POLICY ARE AS FOLLOWS :- 1. If there be any material misdescription of any of the property hereby insured, or of any building or place in which such property is contained, or any misrepresentation as to any fact material to be known for estimating the risk, or any omission to state such fact, the Company shall not be liable upon this Policy so far as it relates to property affected by any such misdescription, misrepresentation or omission. 2. No payment in respect of any premium shall be deemed to be payment to the Company unless a printed form of receipt for the same signed by an Official or duly appointed Agent of the Company shall have been given to the Assured. 3. The Assured shall give notice to the Company of any insurance or insurances already effected, or which may subsequently be effected, covering any of the property hereby insured, and unless such notice be given and the particulars of such insurance or insurances be stated in or endorsed on this Policy by or on behalf of the Company before the occurrence of any loss or damage all benefit under this Policy shall be forfeited. 4. All insurance under this Policy- (1) on any building or part of any building, (2) on any property contained in any building, (3) on rent or other subject-matter of insurance in respect of or in connection with any building or any property contained in any building, shall cease immediately upon any fall or displacement (a) of such building or of any part thereof, (b) of the whole or any part of any range of buildings or of any structure of which such building forms part. PROVIDED that such fall or displacement is of the whole or a substantial or important part of such building or impairs the usefulness of such building or any part thereof or leaves such building or any part thereof or any property contained therein subject to increased risk of fire or is otherwise material. AND PROVIDED that such fall or displacement is not caused by fire, loss or damage by which is covered by this Policy or would be covered if such building, range of buildings or structure were insured under this Policy. In any action, suit or other proceeding, the burden of proving that any fall or displacement is caused by fire as aforesaid shall be upon the Assured. 5. This insurance does not cover- (a) Loss by theft during or after the occurrence of a fire. (b) Loss or damage to property occasioned by its own fermentation, natural heating or spontaneous combustion (except as may be provided in accordance with Condition 7 (f), or by its undergoing any heating or drying process). (c) Loss or damage occasioned by or through or in consequence of (1) The burning of property by order of any public authority. (2) Subterranean Fire. 6. This insurance does not cover any loss or damage which either in origin or extent is directly or indirectly, proximately or remotely, occasioned by or contributed to by any of the following occurrences, or which, either in origin or extent directly or indirectly, proximately or remotely, arises out of or in connection with any of such occurrences, namely :- (1) Earthquake, volcanic eruption, typhoon, hurricane, tornado, cyclone, or other convulsion of nature or atmospheric disturbance. (2) War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, insurrection, rebellion, revolution, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or 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 replace the property hereby insured, because of any municipal or other regulations in force affecting the alignment of streets, or the construction of buildings, or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite to reinstate or repair such property if the same could lawfully be reinstated to its former condition. 15. The 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.
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SOUTH BRITISH INCORPORATED IN NEW ZEALAND INSURANCE COMPANY, LTD MARINE · FIRE · ACCIDENT FIRE POLICY No.: 42 / 14292. ⟦37⟧ NAME: The President of the Jewish Committee, Baghdad. SUM ASSURED: <del>Rs.</del> ID. 500/-. ON: Contents of the Building No. 152/113. SITUATION: Taht-el-Takia Quarter, Baghdad. EXPIRES: 14th September, 1948. at 4 o'clock (S.T.) in the afternoon ⟦illegible⟧ The Assured is requested to read the Conditions of this Policy. T.I.P.—J.3243-44. Form No. 1. The South British Ins Company Limited. Attached to and forming part of Policy No. 42/14292 This Company is expressly declared to be free from liability for loss of or damage to any electrical machine, apparatus, fixtures or fittings [including electric fans, electric household or domestic appliances, wireless sets and radios] or to any portion of the electrical installation, arising from or occasioned by overrunning, excessive pressure, short-circuiting, arcing, self-heating or leakage of electricity from what-ever cause [lightning included]; provided that this exemption shall apply only to the particular electrical machines, apparatus, fixtures, fittings or portions of the electrical installation which may be destroyed or damaged by fire so set up. This Company is expressly declared to be free from liability for loss of or damage to heating and cooking stoves caused directly by their own heat &/or flames. Lighting and heating by firewood, coal, kerosene, and/or electricity allowed. Notwithstanding any provision of law to the contrary or any provisions here-of the Company shall in no event be liable for more than the value of the property insured here-by at the time of any loss or damage happening thereto. ⟦illegible⟧ CO. LTD. BAGHDAD