Form 247. office, club or association, without previous permission in writing under the hand of the secretary of the company.

Food.

Misrepresentation.

Authority of agents.

Determination.

Arbitration.

Form 248.

Horse insurance.

Surgeon to examine.

15. The insured shall, during the continuance of this policy, cause every animal from time to time hereby insured to have sufficient and proper food, water, and shelter, and will cause them to be properly treated by veterinary surgeons while suffering from disease or accident, and will not suffer any such animal to be watered at any stagnant or unwholesome pond, or with water contaminated by manure or other drainage, but will keep all fences, yards, sheds and stablings where any animals hereby insured shall be secure, and shall at all times, and to the best of his knowledge and ability, use and exercise every due and proper precaution and safeguard against loss, or danger of loss, under this policy.

16. If there shall be any untrue or incorrect statement in the declaration upon the basis of which this insurance is granted, or if the insured shall have misstated, or omitted to state any material fact or circumstance at the time of proposal, or shall do so between the date of the proposal and the date of the commencement of the risk hereunder, or afterwards, at any renewal, alteration or extension of this policy, or on the making of any claim hereunder, or shall advance any false or fraudulent claim, or shall fail in any particular to observe and perform the terms and conditions hereof, this policy shall be void, and all premiums paid hereon shall be forfeited to the company.

17. No agent or inspector has any authority to dispense with the express performance of any of the above conditions; and no alteration of this policy, or any indorsement thereof, will be valid, unless the same be recognised and countersigned by the secretary of the company.

18. The company shall not be bound to send any notice of the renewal premium becoming due, and shall be at liberty to decline to renew the policy at the end of the year, or other period of insurance. [Sometimes power to determine the insurance is taken, as in Form 246, Clause 11.]

19. If any difference, &c.

Recitals as in Form 243.

Now, &c., that if, &c. [Form 243], any horse or horses specified in the schedule hto shall be injured by accidental external violence within the meaning of this policy, and shall die from or be necessarily slaughtered consequence of the effects of such injury, Then, &c., as in Form 247, mutatis mutandis.

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The above form can readily be adapted to cover a specific accident to a particular animal; and a condition can be added, declaring, "This insurance being against the risk of only, the above conditions shall only apply so far as they are applicable accordingly."

1. This policy does not insure against death or slaughter caused or occasioned by any disease or complaint, or by unskilful treatment or neglect before or at the time, or following any accident, or by castration or other surgical operation performed without the consent of the company in writing, or by anything administered or taken, or any injury maliciously inflicted, or caused, or occasioned by any accident arising from the breach or non-observance by the insured or his servants of any of these conditions, as from the use of imperfect gear, known by the insured or his servants to be so, or from strain from overloading, or from accidents occurring while foaling, or during transit by railway, steam-vessel, or other conveyance, or from fire, war, tumult, or invasion, or from the wilful or negligent exposure by the insured or his servants of any animal hereby assured to unnecessary danger.

2. In case of an accident to any horse hereby assured, it shall be imperative upon the insured immediately to call in a duly qualified veterinary surgeon to

attend the animal, and the insured must send a certificate from such veterinary Form 248. surgeon with full particulars of the injuries, and how they were occasioned, to the secretary of the company, at its head offices, No. within twenty-four hours of the accident, and shall, at the request of the company, furnish to such head office on their printed form such information, accompanied by such certificate and reasonable proof of the death, or accident, or any circumstance relating thereto, and the identity and value of the animal, and of the observance of these conditions prior and subsequent to the accident, as the directors may require.

3. No horse may be slaughtered (except in the case of a severe fracture of Slaughter. the bones, certified to by a duly qualified veterinary surgeon), without an authority in writing, under the hand of the secretary of the company, or other officer appointed by the directors. The insured must dispose of the carcase of any horse when dead to the best advantage, and the whole amount realised shall belong to the company.

4. Subject to the payment of such, &c. [Form 247, Clause 6].

5. Under no circumstances, &c. [Form 247, Clause 8].

6. The insured shall permit, &c. [Form 247, Clause 13].

7. No animal insured shall without, &c. [Form 247, Clause 14].

8. The insured shall during the continuance, &c. [Form 247, Clause 15].

9. If, &c. [Form 247, Clause 16].

Form 249.

THIS POLICY OF INSURANCE WITNESSETH that (hereinafter called the insured) having pd to (hereinafter called Transit. the co) the premium of the co hby agrees with the insured that if any animal specified in the schedule hto shall be injured from accidental external violence within the meaning of this policy whilst travelling between the points of departure and destination respively mentd in the same schedule by the modes of conveyance therein described, and shall within fourteen days after the occurrence of such accident die from or be necessarily slaughtered in consequence of the effects of such injury, Then, &c. [Form 247].

1. This policy does not insure against general average, nor against death or Exceptions. slaughter, caused or occasioned by any accident occurring in consequence of unseaworthiness, or of fire on board of any vessel, or in the loading of any animal at the point of departure, the company's risk commencing when the loading of such animal is complete, and terminating on the arrival of the vessel or train in which the animal is carried at the port or station at which such animal should be landed or unloaded.

2. In case of an accident to any horse, the insured shall where possible immediately call in a duly qualified veterinary surgeon to attend it, and shall furnish to the company a certificate from such veterinary surgeon as to the cause of death, or nature of injuries; and in the case of an accident to any animal whatsoever, the insured shall immediately forward to the company, at their head office in London, full particulars of the injuries, and how they were occasioned, within twenty-four hours of the accident, or of the same coming to the knowledge of the insured, and shall, at the request of the company, furnish to their head office in London, on their printed form, such information, &c. [Form 248, Clause 2].

3. No horse, &c. [Form 248, Clause 3].

4. The insured or his agents shall, so far as possible, see that every animal hereby insured is properly loaded and secured, and shall permit, &c. [Form 247, Clause 13].

5. No agent or inspector has any authority, &c. [Form 247, Clause 17].

6. If any difference [reference to arbitration].

Form 250.

Damage by horses and

vehicles.

Alteration of risk.

Certain risks excepted.

Care to be taken.

No foreign risk.

Damage to employés included.

Subrogation.

Proceedings.

Recitals as in Form 243.

Now, &c., that if at any time, &c. [as in Form 243], any damage or injury shall be directly caused by or by means of the animals or vehicles of the insured specified in the schedule endorsed hereon, or any of them, to any person or persons or ppty whilst the sd animals and vehicles, or any of them, are or is being ridden or driven on the road, or in the street, by the insured or his pd servant or servants, Then and in every such case the co will pay or make good any sum or sums in respect of such loss or damage which the insured may be bonâ fide compelled to pay to any other person or persons, such amount not to exceed in each case the sum insured hereon, as specified in the sd schedule.

THIS policy, &c. [see Form 243].

IN WITNESS, &c.

The schedule will be endorsed and the conditions will be printed below. 1. After the risk has been undertaken by the company, nothing shall be done whereby such risk shall be altered or increased without the written consent of the company.

2. This policy does not cover any loss or damage resulting from the intoxication of any rider or driver, nor any loss or damage arising from the bites or kicks of horses, or happening through any invasion, foreign enemy, insurrection, civil commotion, riot, or any military or usurped power whatsoever, or by or through any person or persons engaged or concerned in notorious resistance to the authority of magistrates or to any other lawful authority, nor any loss or damage arising either directly or indirectly from fire or the consequences thereof, nor from wilful injury by any person, nor from the negligence, carelessness, mismanagement, neglect, or wrong-doing of the insured or any of his servants, employés or agents.

3. All proper, reasonable and skilful care shall at all times be taken and exercised in the driving of the vehicles specified in the said schedule, and every of them, and the same shall only be entrusted to proper, careful and experienced servants, and shall be drawn by fit and proper animals, without vice and quiet and steady in harness.

4. This policy does not cover any loss or damage which may be caused by any of the animals or vehicles specified in the said schedule whilst out of the United Kingdom.

5. This policy does not cover any loss or damage which the insured may have to pay to any person or persons in his own employ, or to any person or persons riding, driving or being carried on any animal or on or in any vehicle of the insured.

6. Whenever any loss or damage shall be directly caused by or by means of the animals or vehicles specified in the said schedule, or any of them, within the meaning and terms of this policy, and the same shall happen by reason of the negligence, carelessness, mismanagement, neglect, or wrong-doing of any person other than the insured, his servants, employés, or agents, it shall be lawful for the company to sue in the name of the insured, and recover compensation from the person or persons causing such damage, and any moneys or other compensation which shall be recovered shall belong to the company. 7. The Association shall be at full liberty to defend, settle, compromise, and otherwise manage, deal with and regulate any actions, suits, or other proceedings or claims which may be brought, instituted, or made against the insured, his servants, employés or agents, or any of them for or in respect of any loss or damage caused or alleged to be caused by or by means of the animals or vehicles specified in the said schedule, or any of them, and the insured, his servants, employés and agents, shall in this respect give the company every assistance in his or their power.

8. Immediately upon the happening of any accident hereby insured against, Form 250.

the insured shall give notice thereof in writing to the company at their regis- Notice.

tered office, specifying as far as possible the time and place when and where such accident happened, by which particular animal or animals, vehicle or vehicles the same was occasioned, the name or names of the driver or drivers, rider or riders, and the names and addresses of every person to whom or to whose property any damage has been or has been alleged to have been done, and the nature and extent of such damage, and any other particulars that may be reasonably practicable, to enable the association to ascertain the exact cause and nature of the accident, and the extent of the damage done.

9. The company shall be at liberty to undertake the settlement of all claims Settlement of on behalf of the insured, and the insured shall not in any way intermeddle claims. therewith, or settle or compromise, or attempt to settle or compromise, any claim that may be made against him for damages or compensation in respect of any accident within the terms of this policy without the written consent of the company.

10. The insured shall, in support of any claim which he may make upon the Insured to company, give all such proofs and explanations as shall be reasonably required, support. together with, if required, a statutory declaration of the truth thereof. No claim in respect of any loss or damage shall be payable until all the requirements of this condition have been fulfilled.

11. The company, its directors, officers, inspectors, and agents shall have at Inspection. all reasonable times, during the continuance of this policy, access to the animals and vehicles specified in the said schedule, to inspect and examine the same, and full right of admission to any coach-house or other place where they or any of them may be for the time being.

12. If at the time of any claim being made for loss or damage under or by Average. virtue of this policy, there be any other subsisting insurance, &c., as in Form 242, cl. 9.

13. Subject supra, p. 320, cl. 6.

14. The sum or sums to be paid by the company in respect of any loss or Limit of damage, shall in no case exceed the sum hereby insured, and all sums which liability. may from time to time be paid under or by virtue of this policy in any one year, shall be counted in diminution of the said sum hereby insured, so that in case of subsequent loss during the same year the total amount payable by the company shall not exceed the said sum hereby insured.

15. If there shall be [Form 247, supra, p. 322, cl. 16.] 16. [Arbitration.]

WHAS [recital as in Form 243].

Avoidance.

Form 251.

NOW THIS POLICY WITNESSETH and declares, that if at any Boiler. time, &c. [as in Form 243 down to day of --], any damage or injury shall be occasioned by the explosion of the steam boiler specified in the schedule hto, or the collapse of the fluc tubes of such boiler, or any or either of them, whether to the boiler itself, or to the engine, machinery, or apparatus with which it may be connected, or to any other ppty whatsoever of the insured (except destruction or damage by fire originating from such explosion, and loss sustained through stoppage of work or other indirect damage), Then and in every such case the co shall pay or make good to the insured all such damage, Provided that the total amount to be recoverable by virtue of this policy in any one year shall not exceed -1.

THIS policy, &c. [as in Form 243].
IN WITNESS, &C. [Add Schedule.]

Form 251.

Inspection.

Reparation.

Notice.

Alteration.

Explosion.

Excepted risks.

Average.

CONDITIONS.

1. The inspectors of the company shall at all reasonable times be permitted to inspect and examine any boiler insured under this policy, and in case permission be at any such time refused by the insured or any person acting on his behalf the company may declare this policy void.

2. The insured shall, at his own expense and with all practical expedition, and if so directed or required by any inspector of the company before any further use of the boiler, amend or remedy any defect or want of reparation in any insured boiler or the apparatus connected with it which may have been notified to him by any such inspector of the company, and in other respects act under the advice and upon the suggestions of any such inspector in relation to such boiler and apparatus (and particularly in relation to the maximum pressure or load to be placed upon the safety valves), provided that such notification, advice or suggestions respectively shall be in writing under the hand of such inspector; and, if the insured fail to comply therewith, this policy shall be void as regards the boiler or boilers referred to in such notice. The inspection by the company's inspector is intended to be made for the sole purpose of affording information to the company, and no duty or obligation shall be cast upon the company to make any such inspection.

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3. In case of any explosion or damage by explosion or collapse of flue tubes or injury to or distortion of such tubes insured against by this policy, the insured or some person acting on his behalf shall forthwith give notice thereof by telegram if practicable and also in writing to the company at its chief office in N, and to the chief inspector of the district in which the boiler is situated, and thereupon the company will inspect such damage and cause it to be made good or authorize the insured to do so, and in such case the insured shall as soon as possible thereafter deliver at the said office of the company in Ndetailed and true account of the sum claimed for such damage, and shall furnish such particulars and further information (if any) as the company may require, and the company will within one month after the receipt of such account, particulars and information, and so far as the claim or demand may be found correct, pay the amount thereof. The company will not be liable for any repairs executed previous to such inspection or without written authority, nor for any damage covered by this policy if the insured does not give notice to the company and to the chief inspector as before described within forty-eight hours of its occurrence.

4. In case of removal or alteration of any boiler insured by this policy notice in writing shall be given to the chief inspector of the district in which it is situated or at the chief office of the company previous to such removal or alteration, otherwise this policy shall be void as regards such boiler.

5. The term "explosion" herein used shall mean violent tearing asunder of a boiler through internal pressure. The term " collapse" shall mean the crushing either partially or entirely of any internal flue of a boiler by force of the pressure on the external surface of the flue, and whether attended with rupture of the flue or otherwise.

6. The company shall not be liable to keep in repair any boiler within referred to, nor shall the company be liable in respect of any repairs rendered requisite through fracture, blistering, or corrosion of any of the flues or parts of the boiler, or for any other defects caused by wear and tear, or for damage to any flues, seams, or other parts from any matter from or mixed with the feed water or through the accumulation of deposit thereon from any cause whatever.

7. If at the time of damage happening to any boiler or boilers or property insured by this policy there shall exist any other insurance or insurances against such damage, there shall only be payable under this policy such a proportion of the said damage as the amount insured by this policy shall bear to the gross amount of insurances on the boiler or boilers and property so damaged.