Business Insurance Customer Information booklet

Other Conditions

Keeping us up to date

During the period of insurance and at renewal you must tell us of any of the following changes (for which we may ask for an additional premium to maintain cover):

if the building is not in a good state of repair;

work on the building other than routine maintenance or decoration;

any change in the business;

any change of premises;

details of any conversion or modification to your vehicle made by someone other than the manufacturer. For example, if you give your vehicle wide tyres or wheels, or lower its suspension;

if there is anyone under the age of 25 years who is likely to be a regular driver of the vehicle;

if there is any change in the use of your vehicle. For example, if you start using your vehicle for courier services.

Taking care

You must:

take all reasonable steps to prevent loss of or damage to the property insured by the policy;

take all reasonable care to prevent injury to another person or damage to another person’s property;

comply with all laws and safety requirements imposed by any authority or by state or national legislation;

employ only competent employees;

keep all property well maintained;

keep all vehicles in a roadworthy condition.

Complying with our requirements

You must comply, within a reasonable time which we will specify, with any request made by us:

to be allowed to survey your premises or examine your products;

for the protection or improvement of your property;

to reduce the likelihood of injury or loss of or damage to property.

You must give us, and pay for, all of the information we reasonably ask for about a claim. You must also help us to take legal action against anyone or help us defend any legal action if we ask you to.

Third party interests

We will not insure the interests of any person other than you, unless you have notified us in writing of such interest, and the interest has been noted in the schedule.

Joint Insureds

If more than one person takes out this insurance, each is a joint insured. Each joint insured gives authority to each other joint insured to make any changes to this policy including cancelling this policy or removing a joint insured. AAMI may agree to any change without notice to any person other than the joint insured requesting the change.

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