and his representative:
1. The Insured and his representative, when applying for insurance
shall make true answers or descriptions to the questions in the Proposal
and Questionnaire or to any other questions raised by the Company.
2. The Insured and his representative shall pay to the Company in due
course the agreed premium in the manner as provided in the Schedule and
Endorsements.
3. During the period of this insurance, the Insured shall at his own
expense take all reasonable precautions, including paying sufficient
attention to and putting into practice the reasonable recommendations of
the Company, prudently selecting the workmen and employees and complying
with all statutory regulations and safety operation procedures.
4. In the event of any occurrence which gives or might give rise to a
claim under this Policy, the Insured or his representative shall:
4.1 notify the Company immediately and within seven (7) days or any
further period as may be agreed by the Company in writing, furnish a
written report to indicate the course, probable reason and extent of loss
or damage;
4.2 take all necessary measures to avoid aggravation of the loss or
damage and minimize it to the least extent;
4.3 preserve the spot affected and defective parts before an
inspection is carried out by a representative or surveyor from the
Company;
4.4 furnish all such information and documentary evidence as the
Company may require for supporting the claim.
VI. GENERAL CONDITIONS
1. Policy Effect
The due observance and fulfilment of the terms and conditions of this
Policy in so far as they relate to anything to be done or complied with by
the Insured shall be a condition precedent to any liability of the Company
under this Policy.
2. Policy Voidance
This Policy shall be voidable in the event of misrepresentation,
misdescription or non-disclosure made by the Insured or his representative
in any material particular in respect of this insurance.
3. Policy Termination
Unless its continuance be admitted by the Company in writing, this
Policy shall be automatically terminated if:
3.1 the insurable interest of the Insured is lost;
3.2 the risk of loss or damage is increased.
After termination of the Policy, the premium shall be refunded to the
Insured calculated on pro rata daily basis for the period from the date of
termination to the date of expiry.
4. Policy Cancellation
This Policy may be canceled at any time at the request of the Insured
in writing or at the option of the Company by giving a fifteen (15) days
prior notice to the Insured. In the former case the Company shall retain a
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