Clal First Home Insurance Policy

CLAL FIRST HOME INSURANCE POLICY
It is hereby noted and agreed that the following version is a free translation
from Hebrew. In case of any discrepancies, the Hebrew Wording will prevail
TABLE OF CONTENTS
Preamble 3
Definitions for all sections of the policy 4
Section A: Building insurance 5
Extensions for section A 6
Water and other liquid perils 6
Cover for fixtures and fittings for the tenant of a property 7
Cover for an unoccupied property 8
All risks coverage supplement for home buildings insurance 8
Section A1: Additional sum insured in an apartment block 12
Section B: Contents insurance 13
Cover for contents away from the home 15
Breakage of glass 15
Accidental damage to desktop electronic equipment 16
Contents of storerooms / auxiliary buildings 16
Restoration of documents 17
Electrical bicycles / electrical scooters / Segways 17
Possession of weapons 18
Damage to contents by water and other liquids 18
Cover for business contents 19
Cover for contents of an unoccupied property 19
Clal Insurance Company Ltd.

36 Raul Wallenberg St., Tower 8, Tel Aviv. Postal address: P.O. Box 37070, Tel Aviv 6136902 Tel: 03-6387777 Fax: 03-6387676 www.clal.co.il
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CLAL FIRST HOME INSURANCE POLICY
Section B1 All risks extension: 21
- For valuables up to 10% of the contents sum insured 22
- For all home contents 23
- For specific items of contents 24
- For specific contents overseas 26
Section C: Third Party Liability 28
Business activity 29
Swimming pools / Jacuzzi 30
Lifting apparatus 30
Possession of firearms 31
Dangerous dogs 32
Criminal defence costs 32
Section D: Employers Liability 34
Extension for business activity 35
Section E: Cover for the property in bank safes 36
All risks extension for jewellery outside of the bank safe 37
Section F: Terrorism insurance 38
Section G: General conditions for all sections of the policy 40

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HOME BUILDINGS AND CONTENTS INSURANCE POLICY
PREAMBLE
This policy is a contract between Clal Insurance Company Ltd.
36 Raul Wallenberg Street, Kiryat Atidim, Tower 8, Tel Aviv (Hereinafter the insurer)
and
The insured whose name is stated in the schedule (Hereinafter the insured)
According to which, the insurer agrees, in consideration of the premium, to make indemnity
payments due to insured events which occur during the period of insurance, up to the sums
insured and limits of liability.
The premium, the period of insurance and the sums insured stated in the schedule constitute an
integral part of this policy.
This policy was issued by the insurer relying on a proposal form and/or any other document or
information submitted to the insurer, constituting the basis and an integral part of this policy.
It is hereby clarified that the insurance cover under each part and/or section of this policy
and/or additional covers stated therein will take effect solely if it is stated expressly in the
schedule that the insurance cover in respect of them is valid or included.
Clarification: The headings appearing in this policy are purely for convenience and ease
of reference and they may not be seen as having any impact at all on the written content
of the sections and clauses themselves.
JUNE 2016 EDITION

This policy is worded in the masculine although it applies equally in the feminine.

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DEFINITIONS FOR ALL SECTIONS OF THE POLICY
1. IN THIS POLICY:
1.1. Property or building The building of the apartment or the house stated in the
schedule whose primary use is residential, including verandas, pipes (including gas
pipes), sewage and plumbing apparatus, central heating apparatus, air conditioning
systems, boilers, solar heating systems, telephone and electricity apparatus
belonging to the property, gates, fences and paved surfaces belonging to the
property as well as all permanent fixtures and fittings of the property; and if the
property is situated in an apartment block also including the share of the insured
in the common parts of the apartment block as well as any special fixtures and
fittings to the apartment (including storerooms);
1.2. Apartment building A property registered as a shared apartment building in
the Land Registry as well as a property which is not registered as aforementioned
provided that it contains at least two apartments;
1.3. Unoccupied property A property which has been vacant for more than 60
consecutive days or has not been lived in regularly for more than 60 consecutive
days;
1.4. Family members The spouse, children, parents or other relatives of the
insured living permanently in the property;
1.5. Domestic staff An employee in the direct service of the insured who lives in
the home of the insured.

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SECTION A HOME BUILDINGS INSURANCE
This section is valid solely if stated in the schedule
2. THE INSURED EVENT:

The insured event is loss or damage occurring to the building during the period of
insurance as a consequence of one or more of the following perils:
2.1. Fire, lightning, thunder as well as smoke being an extraordinary phenomenon and
not a regular phenomenon;
2.2. Explosion or conflagration;
2.3. Storm whose speed exceeds 30 knots, including rain that falls at the same time,
snow and hail during a storm, other than the seepage of rainwater via walls or
ceilings or its absorption therein;
2.4. Falling aircraft, articles falling from an aircraft, supersonic boom caused by
aircraft;
2.5. Collision or impact by motor vehicles into the home;
2.6. Malicious damage, excluding:
2.6.1. Malicious damage caused whilst the property is unoccupied;
2.6.2. Malicious damage caused by the insured or family members of the
insured, or with their consent;
2.6.3. Malicious damage caused by individuals living in the property with
the permission of the insured or with the consent of the insured;
2.7. Theft, robbery, burglary or attempt thereof, excluding when the home is
unoccupied;
The insured is entitled, at the proposal form stage, by express notice which
will be documented by the insurer and will be stated in the schedule, to
waive this cover.
2.8. Riots and prohibited gathering;
2.9. Earthquake, including tsunami occurring as a consequence of an earthquake and
provided that the insured has not waived cover against the earthquake peril
and it is documented with the insurer and stated in the schedule.
Regarding the deductible for damage as a consequence of earthquake, a
single event will be considered as all earthquakes which occur within 72
consecutive hours after the first earthquake has occurred.
2.10. Flood or inundation from an external source of water, other than tsunami as
stated in clause 2.9 above;

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3. EXTENSIONS:
3.1. At the request of the insured and subject to the agreement of the insurer
and on condition that the property stated hereunder is included in the
buildings sum insured.Storerooms and/or auxiliary buildings in a private
home
If the building is not an apartment building as defined in item 1.2 above, the cover
shall be extended to indemnify the Insured for Loss or damage to the storeroom
and/or auxiliary buildings situated on the premises of the insureds home, at the
address stated in the schedule, belonging to the insured and which do not form
permanent fixtures to the property or are connected to it permanently, as a
consequence of the perils stated in clause 2 above insured event, other than
the perils detailed in clauses: 2.3, 2.9 and 2.10 above and other than the
theft peril:
The liability of the insurer in accordance with this extension is limited to the
sums insured stated in the schedule.
3.2. Gardens
If the building is not an apartment building as defined in item 1.2 above, the cover
shall be extended to indemnify the Insured for Loss or damage to home garden
plants including lawns, rockeries, trees and shrubbery planted therein, situated on
the ground of the insureds home, at the address stated in the schedule, as a
consequence of the perils stated in clause 2 above insured event, other than
the perils detailed in clauses: 2.3, 2.9 and 2,10 above.
The limit of liability of the insurer in accordance with this extension will not
exceed 0.5% of the buildings sum insured (excluding the additional sum
insured in Section A.1, if purchased), for damage to any single tree or rockery,
and up to 5% of the buildings sum insured as aforementioned per occurrence and
in the aggregate during the period of insurance.
For the avoidance of doubt this extension does not cover plants and/or
trees planted in flowerpots and/or window boxes of any type.
3.3. Breakage of glass, marble surfaces and sanitary ware
The policy is extended to cover sudden and unexpected breakage of glass
structured in windows and doors forming a part of the building insured.
For the purpose of this cover Breakage means a crack which crosses the
entire thickness of the glass or the surface.
3.3.1. Exclusions in respect of this extension:
The cover under this extension does not include:
3.3.1.1. Damage to frames, settings, coatings, decorating and Jewish
marriage contract of any kind.
3.3.1.2. Damage to cracked or defective property items.

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3.3.1.3. Transfer expenses or replacement of frames or other building's

parts.
The limit of the Insured's liability under this extension is limited to 4,000 Nis
per single item and no more than 10,000 Nis for all damages for which the insurer
will pay during the period of insurance.
If supplementary all risks cover for home building has been purchased, as detailed
in section 4.4 below, than the coverage according to Extension for breakage of
glass, marble surfaces and sanitary ware, shall apply subject to the limits of liability
stated therein.
4. ADDITIONAL COVERS:
The insurance in accordance with the following clauses is valid solely if stated
expressly in the schedule.
4.1. Water and other liquid perils
Loss or damage first discovered during the period of insurance which is caused
to the property as a consequence of the escape or leakage of water or any other
liquid from the plumbing and central heating apparatus of the home, or of any
other property in the apartment building, including bursting, blockage or
overflowing of boilers and plumbing installations, excluding:
A. The cost of the water.
B. Wear and tear, corrosion and rusting which occurs to the boilers, pipes,
plumbing and heating apparatus themselves.
C. Loss or damage which occurs whilst the home is unoccupied (as
defined in the Definitions for all sections of the policy section).
It is clarified that in the case of damage which arises in another apartment
in an apartment block, the liability of the insurer is limited to a single
occurrence (insured event) only during the period of insurance.
One of the following two options may be chosen for the following cover:
4.1.1Repairing the damage by an independent plumber at the choice of the insured
(extended cover)
In this option, on the occurrence of an insured event, the insured may
obtain the services of any independent plumber at their choice, subject to
clause 53 hereunder regarding Claims for indemnity payments.
The insured must notify the insurer of the occurrence of the insured event
immediately on first discovery and enable the insurer to ascertain its
liability before arranging for the private plumber chosen by the insured to
repair the damage.

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4.1.2Repairing the damage by a service supplier (limited cover):

The cover will be provided in accordance with the conditions of the
service plan for repairing damage by water and other liquids to the
building (Appendix A hereunder). The insured must notify the service
provider whose name and contact details are stated in the schedule,
immediately on first discovery of the damage. The service provider will
repair the damages and will bring the home, as far as possible, to its
condition immediately before occurrence of the insured event.
It is clarified that nothing stated above comes to derogate from the
rights of the insurer, as an alternative to repairing the damage, to
compensate the insured in accordance with clause 49.1 of the
general policy conditions (Payment of the value of the loss or
damage in cash).
4.2. Cover for fixtures and fittings for the tenant of a property
The insurer will indemnify the insured in their capacity as an unprotected tenant
of the insured property for loss or damage to the fixtures and fittings of the
home building and/or which have been fitted by the insured including for
building extensions which have been added by the insured and/or for accessories
fitted therein, provided that all of these are permanently fitted to the building, as a
consequence of any of the perils detailed in clause 2 above, however excluding the
perils stated in clauses 2.3, 2.9 and 4.1, and provided that they do not belong to a
landlord who is not an insured or beneficiary under this policy.
The liability of the insurer in accordance with this cover will not exceed the sum
insured stated in the schedule for fixtures and fittings to the building, and in any
case will not exceed 10% of the contents sum insured stated in the schedule.
This cover is not valid when the property is unoccupied.
4.3. Cover for an unoccupied property
At the request of the insured and subject to the agreement of the insurer, the
insurance in accordance with this clause will be extended to cover the home
building on the dates stated in the schedule when the home is an unoccupied
property as defined in clause 1.3 above, during the period of insurance, against
one or more of the following perils, at the choice of the insured that will be
documented in the schedule and subject to the conditions and means for
mitigating the risk detailed in the schedule:
4.3.1. Burglary, other than loss or damage due to theft which is not
accompanied by visible signs attesting to the use of force and
violence at the point of entry or exit.
4.3.2. Water and other liquids damage.

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4.4. All risks coverage supplement for home buildings insurance:

4.4.1. The insurer will indemnify the insured for sudden, accidental and
unforeseen physical loss or damage to the building described in the
schedule, which occurs during the period of insurance in respect of
and/or due to any cause which is not excluded from the cover by the
following exclusions:
4.4.1.1. Loss or damage covered under Section A Home
Buildings Insurance, including the extensions and the
additional covers in this section, regardless of whether
they have been actually purchased or not.
4.4.1.2. Loss or damage which falls into the category of machinery
breakdown, electrical breakdown and/or electronic
breakdown, short circuit, overvoltage.
4.4.1.3. Loss or damage caused by moth, insects of any type,
worms and rodents.
4.4.1.4. Gradual deterioration, wear and tear, depreciation,
corrosion and processes of corrosion, humidity and
atmospheric or climatic causes having a gradual effect.
4.4.1.5. Loss or damage arising from landslide and/or subsidence.
4.4.1.6. Loss or damage caused directly by performing
construction works and/or renovations to the property.
4.4.1.7. Loss or damage arising from faulty planning and/or faulty
construction and/or building defective and/or faulty
workmanship.
4.4.1.8. Loss or damage arising from defective maintenance of the
insured property, as well as seepage of rainwater through
walls or ceilings.
4.4.1.9. Loss or damage to water fountains, mosaic floors, wall
paintings, frames, inlays, plating, fretwork or manuscripts
of any type affixed to and/or belonging to the home.
4.4.1.10. Loss or damage to photovoltaic apparatus other than
breakage of the apparatus panels as stated in and subject
to clause 4.4.2 hereunder.
4.4.1.11. Loss or damage to cracked or defective items of property
as well as the costs for transporting or replacing frames or
other parts of the home.
4.4.1.12. Loss or damage due to a peril included in the Uninsured
perils as stated in clause 5 hereunder.

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4.4.2. Damage to domestic photovoltaic apparatus panels for generating

electricity
If stated in the schedule that the buildings insurance includes photovoltaic
apparatus for generating domestic electricity with a capacity of up to 15
kilowatts (hereinafter: the apparatus) and a separate sum insured has
been designated for it, the insurer will also indemnify the insured for
sudden and unforeseen damage to the photovoltaic panels which have
been fitted, subject to this list of exclusions detailed in clause 4.4.1 above.
The sum insured for clause 4.4 All risks coverage supplement for home
buildings insurance will not exceed an amount equivalent to 15% of the
buildings sum insured stated in the schedule (excluding the additional
sum insured in Section A.1 if purchased) with a maximum of NIS 25,000
per occurrence and in the aggregate for the period of insurance, the lower
of the two.
5. UNINSURED PERILS:
This section does not cover loss or damage which occurs as a consequence of one or
more of the following causes:
5.1. War, hostilities, acts of terrorism;
5.2. Civil war, rebellion, military or civil insurrection, revolution;
5.3. Ionising radiation, radioactive pollution, nuclear processes and any loss or
damage due to nuclear material or nuclear waste;
5.4. Seizure, expropriation, confiscation, destruction or demolition of property
by the government, the army, a local authority or any individual acting in
accordance with the law.
6. CALCULATION OF INDEMNITY:
6.1. Indemnity payments due to the insured in accordance with this section will be
calculated and paid according to the value of the loss or damage to the property;
however no payment will be made which exceeds the buildings sum insured stated
in the schedule, subject to that stated in clause 50 hereunder.
6.2. Indemnity payments will be calculated in such a manner as to bring the insured, as
far as possible, to the situation which they would have been in were it not for
occurrence of the insured event.
6.3. Indemnity payments payable in accordance with this section will also include,
subject to that stated in clause 6.1:

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6.3.1. Costs for services provided by architects, loss adjusters, building

consultants, engineers and contractors, as well as legal costs, which are
incurred for the repair, renovation or reconstruction of the property or
part thereof, on condition that prior notice is given to the insurer.
6.3.2. Expenses for the removal of debris, cleaning the property, repainting it
and reconnecting it to the electricity, telephone, water, gas and sewage
networks.
6.3.3. Compensation for the loss of rental income from the property or rental
costs for alternative accommodation for the insured and their family
members, while the property is uninhabitable in accordance with the
determination of a licensing engineer, as defined in the Engineers and
Architects Act 1958 (hereinafter the Engineers and Architects Act).
The compensation in accordance with this clause will be calculated in
accordance with the usual rent for a similar property to the property
insured under this policy, for a maximum period of 12 months after the
occurrence of the insured event, or for a maximum amount which does
not exceed 15% of the buildings sum insured, the lower of the two
amounts, and this even if the total compensation exceeds the buildings
sum insured. Payment for rent under this section is subject to reasonable
proof that the rent for the alternative accommodation has actually been
paid.
7. NON-APPLICATION OF UNDERINSURANCE:
Section 60 of the Insurance Contract Law - 1981 (hereinafter the Insurance Contract
Law) will not apply to this section.

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SECTION A 1 ADDITIONAL SUM INSURED IN AN APARTMENT BLOCK

The insured event is damage occurring to an apartment in an apartment block, which is
owned outright by the insured or under a perpetual lease, as a consequence of damage by
earthquake as stated in clause 2.9 above, at a rate of at least 70% of the buildings sum
insured stated in the schedule, and as determined by a land surveyor, as defined in the
Land Surveyors Act 2001, or by a licensing engineer, as defined in the Engineers and
Architects Act, as applicable, or if following the damage caused as aforsaid, a demolotion
order was issued to the apartment building.
9. CALCULATION OF THE COMPENSATION:

9.1. Following occurrence of the insured event, the indemnity payments due to the
insured in accordance with this section will be calculated and paid according to
the additional sum insured stated in the schedule, all being subject to that stated in
clause 50 hereunder.
9.2. The additional sum insured will be at a rate of at least 100% of the buildings sum
insured stated in the policy schedule.

Section 60 of the Insurance Contract Law will not apply to this section.

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SECTION B CONTENTS INSURANCE

The insured event is loss or damage to the contents during the period of insurance as a
consequence of one or more of the following perils:
11.1. Fire, lightning, thunder as well as smoke which is an extraordinary phenomenon
and not a regular phenomenon.
11.2. Explosion or conflagration.
11.3. wind whose speed exceeds 30 knots, including rain that falls at the same time,
snow and hail during a storm, other than the seepage of rainwater via walls or
ceilings or its absorption therein;
11.4. Falling aircraft, articles falling from an aircraft, supersonic boom caused by
aircraft.
11.5. Collision or impact by motor vehicles into the home;
11.6. Malicious damage excluding:
11.6.1. Malicious damage caused whilst the home is unoccupied;
11.6.2. Malicious damage caused by the insured or family members of the
insured, or with their consent;
11.6.3. Malicious damage caused by individuals living in the home with the
permission of the insured or with the consent of the insured;
11.7. Theft, burglary, robbery or attempt thereof, excluding:
11.7.1. When the home is unoccupied;
11.7.2. business content if the home is not used solely for residential
purposes;
11.7.3. If committed by one of the family members of the insured or by a
person living in the home with the permission or consent of the
insured;
11.7.4. Contents situated on open balconies on a roof level or on the ground
floor, which are not usually kept outside of the home;
11.8. Riots and prohibited gathering;
11.9. Earthquake, including tsunami occurring as a consequence of an earthquake and
provided that the insured has not waived the cover against the earthquake
peril and it is documented by the insurer and stated in the schedule.
Regarding the deductible for damage as a consequence of earthquake, a single
event will be considered as earthquakes which occur 72 consecutive hours
following occurrence of the first earthquake.

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11.10. Flood or inundation from an external source of water, other than tsunami as
stated in clause 11.9 above.
The insured is entitled, at the proposal stage, by express notice which will
be documented by the insurer and stated in the schedule, to waive the
cover included in 11.7 or for items of contents as stated in clauses 13.8-13.9,
wholly or partially.
12. THE CONTENTS:

For the purpose of this policy contents means any item or article located in the home,
and which is owned or under the care, custody or control of the insured or their family
members, but excluding:
12.1. Mechanically propelled vehicles, caravans, trailers, watercraft and aircraft;
12.2. Animals;
12.3. Securities, debentures, share certificates, loan certificates;
12.4. Contracts, letters of undertaking, sale deeds, any type of certificate or
document;
12.5. Gold, silver or precious metal of any type in their raw condition, diamonds
and precious stones which are not part of jewellery;
12.6. Weapons, ammunition and explosives;
12.7. Manuscripts, plans, sketches, diagrams, samples, imprinted moulds;
12.8. Accounting records and other business records;
12.9. Equipment and stock used for business, other than if stated otherwise in
the schedule;
12.10. Cheques, travellers cheques, postal cheques, promissory notes and any
type of bond, travel, flight and sailing tickets, credit cards and lottery
tickets;
12.11. Items or articles situated in a garden, on a staircase, on a gate or paved
surface which is part of the home provided that they are not usually kept
outdoors;
The cover in accordance with this clause for items or articles which by
nature are usually kept outdoors is limited to 2% of the contents sum
insured;
13. LIMIT OF THE LIABILITY OF THE INSURER IN RESPECT OF SPECIFIC

ITEMS OF CONTENTS:
If no specific sums insured are stated in the schedule for the following items of contents,
the indemnity payments for loss or damage to any of them will be limited to the
following amounts:

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13.1. Cash money or shopping vouchers - up to 0.5% of the contents sum insured;
13.2. Silverware - up to 10% of the contents sum insured;
13.3. Statues, paintings, works of art, antiques and collections having a historical,
scientific or artistic value - up to 10% of the contents sum insured;
13.4. Carpets and rugs - up to 10% of the contents sum insured;
13.5. Furs - up to 10% of the content sum insured;
13.6. Stamp collections - up to 5% of the contents sum insured;
13.7. Coin collections - up to 5% of the contents sum insured;
13.8. Jewellery and items of gold - up to 10% of the contents sum insured;
13.9. Wristwatches up to 10% of the contents sum insured.
Section 60 of the Insurance Contract Law will not apply to the amounts of the
items stated in clauses 13.1-13.9 inclusive if they are within the limits stated for
each one of them.
14. COVER FOR CONTENTS AWAY FROM THE HOME:

14.1. Clothing, personal effects, jewellery of the insured and their family members will
be covered whilst away from the home, against the perils covered under this
section, other than due to the theft peril, but not whilst situated in any
vehicle, or whilst situated outside of Israel.
14.2. The compensation in accordance with this clause is limited to 5% of the contents
sum insured.
15. EXTENSIONS TO THE BASIC COVER:

The sum insured for the following extensions, subject to their terms and
conditions, is included in the contents sum insured stated in the schedule.
15.1. Breakage of glass
The policy is extended to cover sudden and unforeseen damage to mirrors, panes
of glass used as tables or fitted in furniture, crystal or ceramic sinks and aquarium
glass, forming part of the contents insured whilst situated in the insured home.
For the purpose of this cover Breakage means a crack which crosses the
entire thickness of the glass.
The sum insured for this extension is limited to 2% of the contents sum
insured per single item and is limited to 5% of the contents sum insured for all
damages for which the insurer will pay during the period of insurance.
The limitation of liability for items of contents, at the aforementioned
percentages, will not apply if supplementary all risks cover for home
contents has been purchased under this section.

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15.2. Accidental damage to desktop electronic equipment

The policy is extended to cover sudden and unforeseen physical damage by
an external cause to desktop type electronic equipment, not for professional use,
namely: desktop computers, projectors, DVDs, televisions, videos, audio systems,
printers, scanners, fax machines, forming part of the contents of the insured
home, whilst situated in the insured home.
15.2.1. Indemnity payments
Indemnity for appliances which are up to 5 years old on the inception date
of the insurance will be paid on a reinstatement value , whereas indemnity
for appliances which are over 5 years old on the inception date of the
insurance will be paid based on the actual value of the damaged desktop
electronic equipment at the time of the insured event, or payment on a
new for old basis less wear and tear / depreciation.
The sum insured for this extension will not exceed NIS 15,000 per
occurrence and in the aggregate for the period of insurance.
15.2.2. The insurer will not indemnify the insured for:
15.2.2.1. Loss or damage caused by and/or as a consequence of
mechanical, electrical or electronic breakdown including
electrical damage, short circuits, overvoltage or high
voltage.
15.2.2.2. Any loss or damage to discs, drives and external data
storage means of any type including the data stored
therein.
For the sake of avoidance of doubt this extension does not cover
damage to mobile electronic devices of any type.
15.3. Contents of storerooms / auxiliary buildings
The policy is extended to cover loss or damage to the insured contents as a
consequence of the perils covered under section 11 above however excluding
the perils specified in clauses 11.3, 11.7, 11.9 and 11.10 above, whilst situated
in a storeroom or auxiliary building situated outside of the home and which are
not permanently affixed thereto, at the insured address, up to an amount which
will not exceed 10% of the contents sum insured stated in the schedule but not
more than NIS 20,000 per occurrence and in the aggregate for the period of
insurance.
15.3.1. Notwithstanding that stated in clause 15.3 regarding clause 11.7, this
extension will cover loss or damage as a consequence of burglary,
which means, for the purpose of this extension: Theft from the
insured storeroom, accompanied by visible signs attesting to the use
of force and violence at the point of entry or exit to or from the
storeroom.

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15.3.2.1. Loss or damage to business contents.
15.3.2.2. Loss or damage to cash money, electronic and electrical
equipment, jewellery and valuables of any type.
15.4. Restoration of documents
The policy is extended to cover reasonable and essential expenses which are
actually incurred by the insured or their family for the restoration of personal
certificates and personal documents due to an insured event which occurs as a
consequence of the perils covered under clause 11 above, however excluding
the cost of the data which has been lost or damaged.
The sum insured for this extension will not exceed 2% of the contents sum
insured stated in the schedule and in any case will not exceed NIS 7,500
per occurrence and in the aggregate for the period of insurance.
15.5. Electrical bicycles / electrical scooters / Segways
Notwithstanding that stated in clause 12.1 above and at the request of the
insured and subject to the agreement of the insurer, the insurance in
accordance with this section is extended to cover loss or damage due to an
insured event which occurs to electrical bicycles or electrical scooters or Segways,
whose details are specified in the schedule, as a consequence of the perils
covered under clause 11 above, other than due to theft which is not
accompanied by visible signs attesting to the use of force and violence at
the point of entry or exit to or from the home.
15.5.1.1. Loss or damage to rechargeable or regular batteries and
any other associated equipment of the insured property.
15.5.1.2. Fire loss or damage to the insured property due to the use
of batteries which have not been supplied by the
manufacturer of the insured property.
15.5.1.3. Loss or damage due to theft which is not accompanied by
visible signs attesting to the use of force and violence at
the point of entry or exit to or from the home.
15.5.1.4. Loss or damage to the items detailed in clause 15.5 above
which are not owned by the insured and their family
members.
15.5.1.5. Loss or damage to the items detailed in clause 15.5 above
whilst situated outside of the insured home, including
whilst situated in a storeroom or auxiliary building
belonging to the insured home.

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15.6. Possession of firearms

In accordance with that stated in clause 12.6 above and at the request of the
insured and subject to the agreement of the insurer, the policy is extended to
cover an insured event involving loss or damage occurs to private firearms,
namely guns or rifles, whose details are specified in the schedule, as a
consequence of the perils covered under clause 11 above, other than due to
theft which is not accompanied by visible signs attesting to the use of force
and violence at the point of entry or exit to or from the home.
15.6.1.1. Firearms which the insured does not have a valid license
to possess.
15.6.1.2. Loss or damage to firearms due to a violation of the
Firearms Act 1949 and/or directives of the Ministry of
Internal Security (or any other government ministry
responsible for this matter), in connection with the
possession of firearms.
15.6.1.3. Firearms used by the insured for their occupation or
duties including working as a soldier, policeman, security
guard, security forces personnel.
16. ADDITIONAL COVERS:

The following covers are valid solely if stated expressly in the schedule.
16.1. Damage to contents by water and other liquids
Loss or damage which is first discovered period of insurance to contents of the
home as a consequence of the escape or leakage or water or any other liquid from
the plumbing and central heating installations of the home, or from another
apartment in an apartment block, including bursting, blockage or overflowing of
boilers and plumbing installations, excluding:
16.1.1. The cost of the water.
16.1.2. When the home is unoccupied (as defined in clause 1.3 above).
Indemnity payments
The insurer will indemnify the insured for an insured event under this extension
in accordance with the provisions of clause 49 of Section G General conditions
applicable to all sections of the policy.
It is clarified that in the case of damage which arises in another apartment

in an apartment block, the liability of the insurer is limited to a single
occurrence (insured event) only during the period of insurance.

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16.2. Cover for business contents

The insurer will indemnify the insured for loss or damage to business contents
used by the insured for their business activity as defined in clause 16.2.1 below,
due to an insured event which occurs as a consequence of the perils covered
under clause 11 above, other than due to theft which is not accompanied by
visible signs attesting to the use of force and violence at the point of entry
or exit to or from the home.
16.2.1. Business activity
For the purpose of the insurance in accordance with this section the term
business activity shall mean activity of the type performed by freelance
professionals, which takes place inside of the insured home only, of an
office or clinical nature, provided that it is an independent and separate
activity and does not form part of any other business activity of the
insured, either as a salaried employee or on a self-employed basis.
It is clarified that there is no cover for contents used for activities of
a manufacturing nature.
The sum insured for this cover is limited to the sum insured stated in the
schedule.
16.2.2. Extension for loss of documents
The cover under this clause includes reasonable and essential expenses
actually incurred by the insured for restoring documents relating to the
business activity of the insured covered under this policy due to an insured
event which occurs as a consequence of the perils covered under section
11 above, however excluding the cost of the data which has been lost
or damaged.
The sum insured under this extension is included in the business
contents sum insured and will not exceed 2% of the business
contents sum insured stated in the schedule and in any case will not
exceed NIS 1,500 per occurrence and in the aggregate for the period
of insurance.
16.3. Cover for contents insured in an unoccupied property
At the request of the insured and subject to the agreement of the insurer, the
cover in accordance with this clause will be extended to cover the home contents
on the dates stated in the schedule when the home is an unoccupied property
as defined in clause 1.3 above, during the period of insurance, against one or
more of the following perils, at the choice of the insured that will be documented
in the schedule and subject to the conditions and means for mitigating the risk
detailed in the schedule:

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16.3.1. Burglary other than loss or damage due to theft which is not
accompanied by visible signs attesting to the use of force and
violence at the point of entry or exit.
16.3.2. Water and other liquids damage.
17. UNINSURED PERILS:

This section does not cover loss or damage which occurs as a consequence of one
or more of the following causes:
17.3. Ionising radiation, radioactive pollution, nuclear processes and any loss or damage
due to nuclear material or nuclear waste;
17.4. Seizure, expropriation, confiscation, destruction or demolition of property by the
government, the army, a local authority or any individual acting in accordance
with the law.

calculated and paid according to the value of the loss or damage; however no
payment will be made which exceeds the contents sum insured stated in
the schedule and subject to that stated in clause 50 hereunder; indemnity
payments for loss or damage to several items will not exceed the amount stated in
the schedule, if stated, as the sum insured of the items.
18.3. The compensation will also include loss or damage to clothing and personal
effects of domestic staff of the insured whilst situated in the home for up to 5%
of the contents sum insured.
19. UNDERINSURANCE:
If at the time of arranging the insurance contract, the sum insured of the contents is
below 15% of the value of the contents , the liability of the insurer will be reduced
proportionately by the ratio between the sum insured and the value of the contents at the
time of arranging the insurance contract. Each item for which a sum insured is stated
separately in the schedule is subject to this condition separately.
The provisions of this clause will not apply to limits of liability stated in the policy or in
the event that the contents sum insured was set by or on behalf of the insurer.

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SECTION B1 ALL RISKS EXTENSION
20. THE COVER IN ACCORDANCE WITH THE FOLLOWING EXTENSION IS

VALID SOLELY IF STATED EXPRESSLY IN THE SCHEDULE AND IS
SUBJECT TO THE CONDITIONS DETAILED IN EACH OF THE
FOLLOWING OPTIONS:
20.1. All risks extension for valuables up to 10% of the contents sum insured (clause
24 hereunder).
20.2. All risks extension for all home contents (clause 25 hereunder).
20.3. All risks extension for specified items of contents (clause 26 hereunder).
21. INSURED EVENT:

Sudden and unforeseen physical loss or damage to specific items of contents
belonging to the insured and their family, whilst situated in the insured home, other than
if stated in the relevant coverage clause that the insurance cover also applies to such items
away from the home, occurring during the period of insurance, due to any cause which is
not excluded by the following exclusions and subject to clause 23 hereunder.
22. EXCLUSIONS TO SECTION B1 ALL RISKS EXTENSION:

The insurer will not be liable to make indemnity payments under this section for
loss or damage which occurs in respect of and/or due to:
22.1. Loss or damage which is covered under Section B (Contents Insurance)
including where it is covered under another optional extension or cover
regardless as to whether it has been purchased or not.
22.2. Loss or damage to property serving the insured for their business or
profession, even if cover for business contents has been purchased under
Section B.
22.3. Loss or damage to the insured property whilst loaned or in the possession
of anyone else.
This exclusion will apply solely if it is stated that the cover also applies
outside of the home at the address of the insured.
22.4. Loss or damage which occurs whilst the home is unoccupied.
22.5. Loss or damage to external surfaces or coverings of furniture, musical
instruments, utensils, home appliances and equipment as a consequence of
scratching, bursting, folding or creasing other than if such damage occurs
as a consequence of the perils stated in clause 11 above.
22.6. Loss or damage to batteries, chargers, cables of any type of the insured
property.
22.7. Any type of electrical and/or mechanical and/or electronic breakdown
including electrical damage, short circuits, overvoltage or high voltage
which occurs to the insured property for any reason.

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22.8. Any loss or damage to external data storage means of any type including
the data stored therein.
22.9. Theft of property from motor vehicles, as well as any damage to the insured
property whilst being transported or sent, other than under the personal
supervision of the insured or a representative of the insured. This exclusion
will apply only if the cover for contents away from home has been
purchased.
22.10. Loss or damage enumerated in the list of Perils which are not covered as
stated in clause 28 hereunder including consequential loss as defined in
clause 66 hereunder.
23. THE LIABILITY OF THE INSURER:

23.1. Subject to a valuation by a qualified appraiser which has been submitted to the
insurer before occurrence of the insured event. In the absence of such a valuation,
the indemnity payments are limited to NIS 1,250 per single item.
23.2. For jewellery and gold, wristwatches and items of contents forming part of a set
of items, or part of a series or pair the sum insured is limited solely to the
individual item which has been damaged in the set of items as aforementioned.
24. ALL RISKS EXTENSION FOR VALUABLES UP TO 10% OF THE

CONTENTS SUM INSURED:
If stated expressly in the schedule and subject to the terms, conditions and exclusions of
this section, the insurer will indemnify the insured for up to 10% of the contents sum
insured for an insured event as stated in clause 21 above involving loss or damage to the
valuables listed in clause 24.1 hereunder, belonging to the insured and their family
members provided that they are stated in the schedule and the insured has provided the
insurer with a valuation for them before occurrence of the insured event.
In the absence of such a valuation, the indemnity payments are limited to NIS
1,250 per single item.
Indemnity payments for an insured event covered under this section will be paid in
accordance with the provisions of clause 52 hereunder, other than if stated otherwise.
The cover under this clause for the valuables detailed hereunder applies whilst the
covered item or items, as aforementioned, are situated in the insured home at the address
stated in the schedule or temporarily away from the insured home, within the boundaries
of the State of Israel or in an area defined in the Amendment and Extension of the
Validity of the Emergency Regulations Law (Judea and Samaria Jurisdiction and
Offences with Legal Assistance) 2007, other than items of contents detailed in
clauses 24.1.4 24.1.6 hereunder, to which the cover applies only whilst situated in
the insured home.
Hereunder are the items of contents which can be covered under this extension:

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24.1. Valuables up to 10% of the contents sum insured

24.1.1. Jewellery and gold, other than precious stones and gems which are
not inlaid in jewellery.
24.1.2. Wristwatches.
24.1.3. Cameras, camcorders and photography equipment.
24.1.4. Paintings, statues and works of art.
24.1.5. Portable musical instruments.
24.1.6. Carpets, silverware.
24.1.7. Furs, collections (stamp, pen, medallions and trophy collections).
25. ALL RISKS EXTENSION FOR ALL HOME CONTENTS:

this section, the insurer will indemnify the insured for an insured event as defined in
clause 21 above involving loss or damage to the home contents owned by the insured and
their family members whilst situated in the insured home, up to the amount stated in the
valuation survey for all items of contents, and in any case not exceeding the contents
sum insured stated in the schedule.
Concerning valuables as stated in clause 24 above, All risks extension for valuables
the liability of the insurer will be increased to 20% of the contents sum insured.
In the absence of such a valuation, the indemnity payments for a single content item, as
well as an item included under valuables as stated in clause 24.1 above, is limited to
NIS 1,250 per single item.
25.1. Exclusions to the cover The insurer will not be liable to pay indemnity
for:
25.1.1. Items of contents or types of contents enumerated in the list of
exclusions in clause 22 above.
25.1.2. Items of contents which by nature are kept in areas outside of the
home and/or in open-air balconies and/or in the open.
25.1.3. Items of contents whilst situated outside of the insured home, other
than valuables in respect of which the cover applies in accordance
with clause 24 above.
25.1.4. Spectacles, dentures.
25.1.5. Cellular telephones.
25.1.6. Cash, cheques, securities, gift vouchers and bank drafts of any type.

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25.2. Extension for deterioration of refrigerator contents

The insurer will indemnify the insured for the deterioration of refrigerator
contents in the insured home which occurs due to a breakdown of the cooling
unit, as a consequence of an insured event covered under clause 21 above,
including if the cause of the refrigerator breakdown is mechanical or electronic or
electrical breakdown due to an insured event.
The sum insured for this extension is limited to NIS 3,000 per occurrence
and in the aggregate for the period of insurance.
26. ALL RISKS EXTENSION FOR SPECIFIC ITEMS OF CONTENTS:

If this cover is stated expressly in the schedule; then the insurer will indemnify the
insured, subject to the terms, conditions and exclusions of this section, for an insured
event as defined in clause 21 above, involving loss or damage to specific items of contents
belonging to the insured and their family member, and which are enumerated in clauses
26.1-26.5 hereunder, whilst situated in the insured home and/or temporarily away from
the insured home, within the boundaries of the State of Israel or in an area defined in the
Amendment and Extension of the Validity of the Emergency Regulations Law (Judea and
Samaria Jurisdiction and Offences with Legal Assistance) 2007, provided that these
items are stated in the schedule and the insurer has provided the insured with a valuation
for them before occurrence of the insured event.
Indemnity payments in respect of an insured event covered under this section will be paid
in accordance with the provisions of clause 52 hereunder, other than if stated otherwise.
Hereunder are the specific items of contents which can be covered under this clause.
26.1. Medical instruments, accessories or devices
For the purpose of this cover only a medical instrument, accessory and/or device
which it outside of the human body and can be carried and/or independently
removed and assembled manually and simply will be covered.
26.1.1. The liability of the insurer
26.1.1.1. The liability of the insured in the event of the total loss of an
item will be in excess of the monetary refund which the insured
is entitled to receive from the health fund in which they are a
member.
26.1.1.2. The liability of the insurer for the payment of indemnity for
the loss of an item which was first purchased more than 3 years
before the inception of the period of insurance will be the
actual value of the damaged item at the time when the insured
event occurs or payment of its value as new less wear and tear /
depreciation.

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26.1.2. Exclusions to the cover The insurer will not pay indemnity for:
26.1.2.1. Grafts and/or devices which are permanently implanted or
connected to the human body, as well as for prostheses,
dentures, spectacles.
26.1.2.2. Damage which is covered under the manufacturers
warranty.
26.1.2.3. Damage by water and moisture to the instrument.
26.2. Insurance for laptop computers / tablets
The liability of the insurer to pay indemnity for laptop computers / tablets
which were first purchased more than 3 years before the inception of the period
of insurance will be the actual value of the laptop computer / tablet damaged at
the time of the insured event, or payment, or its new value less wear and tear /
depreciation.
26.3. Bicycle insurance
26.3.1. The liability of the insurer to pay indemnity for bicycles which were first
purchased more than 5 years before the inception of the period of
insurance will be the actual value of the bicycle damaged, at the time of
the insured event or payment, or its new value less wear and tear /
depreciation.
26.3.2. Exclusions to the cover The insurer will not make indemnity
payments for:
26.3.2.1. Electrical and/or bicycles which are motorised by any
auxiliary engine.
26.3.2.2. Damage caused to bicycles due to their use for racing,
extreme sports, rallies, competitions or rental.
26.3.2.3. Theft of bicycle parts.
26.4. Insurance cover for religious articles
26.4.1. For the purpose of this cover the following items of contents will be
considered to be included in the package of religious articles: tzitzit, tallit
including decorative elements, tefillin (phylacteries) and prayer books as
well as their covers, skullcaps, mens or ladies hats, shtreimel and/or spoddik
fur hats, ladies wigs.
26.4.2. The sum insured for this cover is limited to NIS 8,000 per
occurrence and in the aggregate for the period of insurance.

25
26.4.3. The liability of the insurer to pay indemnity for items included in the
package of religious articles as detailed in item 26.4.1 above, which were
first purchased more than 3 years before the inception of the period of
insurance will be per the actual value of the religious article damaged, at
the time of the insured event or payment, or its new value less wear and
tear / depreciation.
26.4.4. The policy is extended to cover, without additional premium, the items
detailed in clause 26.4.1, whilst temporarily located overseas subject to the
provisions of clause 27 hereunder.
26.5. Insurance cover for firearms
The insurance in accordance with this clause will apply solely to guns or rifles,
which are privately owned by the insured.
26.5.1. Exclusions to the cover The insurer will not make indemnity
payments for:
26.5.1.1. Firearms for which the insured does not hold a valid
license.
26.5.1.2. Loss or damage to firearms due to a violation of the
Firearms Act 1949 and/or the directives of the Ministry
of Internal Security or any other government ministry
responsible for this matter), in connection with the
possession of firearms.
26.5.1.4. Emmunition of any kind.
27. ALL RISKS SUPPLEMENTARY EXTENSION FOR SPECIFIC ITEMS OF

CONTENTS OVERSEAS:
this section, the insurer will indemnify the insured for an insured event as stated in clause
21 above involving loss or damage to the following types of contents, which are privately
owned by the insured whilst such items are temporarily located overseas, provided that
they are close immediately with the insured and under their constant supervision.
The insurance in accordance with this clause can be arranged according to one of
the two following options:
27.1. Short term cover for specific items of contents limited to the period between the
time when the insured travels abroad until their return to Israel but in no case
exceeding the period stated in the schedule as the expiry of the period of
insurance.

26
27.2. Annual cover for specific items of contents, for a period of up to 60 days each
trip commencing on the inception of the policy and until expiry of the policy
(purchased once for the entire period of insurance).
28. PERILS WHICH ARE NOT COVERED:

This section does not cover loss or damage which occurs as a consequence of any
of the following causes:
28.3. Ionising radiation, radioactive pollution, nuclear processes and any loss or damage
due to nuclear material or nuclear waste;
28.4. Seizure, expropriation, confiscation, destruction or demolition of property by the
government, the army, a local authority or any individual acting in accordance
with the law.

calculated and paid according to the value of the loss or damage; however no
payment will be made which exceeds the contents sum insured stated in
the schedule and is subject to that stated in clause 50 hereunder. Indemnity
payments for loss or damage to several items will not exceed the amount stated in
the schedule, if stated, as the sum insured of the items.
29.3. The compensation will also include loss or damage to clothing and personal
effects of domestic staff of the insured whilst situated in the home for up to 5%
of the contents sum insured.
30. UNDERINSURANCE:
If at the time of arranging the insurance contract, the sum insued of the contents is
below 15% of the value of the contents , the liability of the insurer will be reduced
proportionately by the ratio between the sum insured and the value of the contents at the
time of arranging the insurance contract. Each item for which a sum insured is stated
separately in the schedule is subject to this condition separately.
The provisions of this clause will not apply to limits of liability stated in the policy or in
the event that the contents sum insured was set by or on behalf of the insurer.

27
SECTION C THIRD PARTY LIABILITY INSURANCE
This section will apply solely if stated in the schedule

The insured event is the liability of the insured or their family members, including their
domestic staff, to make payment to a third party in accordance with the Tort Ordinance
(New Version), up to the limits of liability stated in the schedule, due to an accidental
event which occurs in the State of Israel or in an area as defined in the Amendment and
Extension of the Validity of the Emergency Regulations (Judea and Samaria Jurisdiction
for Offences and Legal Aid) Act 2007, which leads to
31.1. Death, illness, disease, bodily injury or psychiatric injury;
31.2. Loss or damage to third party property.
32. CLAIMS HANDLING:

32.1. The insurer is entitled, and at the demand of the third party is liable, to pay the
indemnity payments to the third party which the insurer is due to pay to the
insured, provided that written notice to this effect is sent to the insured as stated
in sub-clause 32.2 and provided that the insured does not raise any objection as
stated in the same clause; however any contention which the insurer can raise
against the insured may also be raised against the third party.
32.2. If a third party demands indemnity payments as stated in sub-clause 32.1, the
insurer will notify the insured in writing within 7 business days of the demand as
aforementioned and if the insured does not raise any objection to paying the
compensation within 30 days, the insurer will pay the indemnity payments which
it is liable to pay to the insured to the third party, if required to do so.
32.3. The insurer is entitled to take over or conduct in the name of the insured the
defence of any claim and the insured will assist the insurer, on request, to the
extent required by the insured to settle the third party claim.
32.4. In the event of a claim or claims against the insured arising from a single insured
event or from a series of events which can be attributed to a single originating
cause covered in accordance with this section of the policy, the insurer will be
entitled to pay the total limit under this section to the insured, and after such
payment the insurer will relinquish the conduct of the claim or claims as
aforementioned and the insurer will have no further liability in connection
therewith, other than legal expenses determined by a court or reasonable expenses
incurred in connection with the said claims.
33. COVER FOR LEGAL EXPENSES:

In the event of a claim for indemnity payments in accordance with this section, the
insurer will pay reasonable legal expenses which the insured has incurred due to their
liability, even in excess of the limit of liability in accordance with this section.

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34. EXCLUSIONS TO THE THIRD PARTY LIABILITY COVER:

The insurer will not be liable to indemnify the insured for any amount which the
insured is liable to pay or has incurred if the cause arises from any of the
following:
34.1. Liability to employees who have employment relations with the insured;
34.2. Injury to the family members of the insured or to the domestic staff of the
insured;
34.3. Liability of the insured to a third party relating directly to the profession or
occupation of the insured, other than if cover for such activity is expressly
stated in the schedule;
34.4. The professional liability of the insured or liability arising from products
manufactured, handled, marketed or serviced by the insured in the
framework of any business activity;
34.5. Motor vehicles as defined in the Compensation for Road Accident Victims
Law 1975, cranes, lifting apparatus, aircraft, watercraft, mechanically
propelled transportation vehicles;
34.6. The use of weapons;
34.7. Animals other than domestic pets, dangerous dogs or dangerous breeds of
dogs, as defined in the Regulation of Supervision of Dogs Act 2002;
34.8. The use of a swimming pool containing a filtration system, jacuzzi or
sauna outside of the home building, other than if stated otherwise in the
schedule;
34.9. Performing work in the property by proffessional where the duration of the
works exceeds two weeks from the date of actually starting the work;
34.10. Any claim brought against the insured in a court outside of the State of
Israel.
35. EXTENSIONS TO THE THIRD PARTY LIABILITY SECTION:

The cover in accordance with the following extensions is valid solely if stated
expressly in the schedule. The limits of liability stated in the following extensions
are included in the limit of liability of this section stated in the schedule.
35.1. Business activity
The insurance in accordance with this section is extended to cover the legal
liability of the insured to third parties in the framework of the business activity of
the insured as stated in the schedule, which is conducted in the insured home.

29
It is hereby clarified that this policy does not cover the liability of the
insured in connection with and/or in respect of any type of manufacturing
activity and/or any business activity that is not stated expressly in the
schedule.
The limit of liability of the insurer in respect of this extension is limited to
NIS 750,000 per occurrence and in the aggregate for the period of
insurance.
35.2. Swimming pool containing a filtration system / outdoor jacuzzi
The insurance in accordance with this section is extended to cover the legal
liability of the insured to third parties as owners and/or occupiers of a private
swimming pool containing a filtration system or outdoor jacuzzi.
Exclusions to the liability of the insurer:
The insurer will not cover legal liability to third parties due to loss or
damage to the body and/or property of a third party as a consequence of
and/or in connection with and/or due to and/or in connection with:
35.2.1. A swimming pool or jacuzzi which does not have a closed and
locked entry to prevent entry by persons unauthorised by the
insured.
35.2.2. Types of materials and/or levels of concentration in swimming pool
or jacuzzi water that may endanger persons using the pool or
jacuzzi.
35.2.3. The use of a swimming pool and/or jacuzzi during the course of
any business activity.
35.2.4. A swimming pool without an overhead cover in a home which is
unoccupied for more than 30 consecutive days.
35.2.5. Entry into the pool by children under the age of 10 without adult
supervision.
35.3. Domestic lifting apparatus
Notwithstanding that stated in clause 34.5 above, the insurance in accordance
with this section is extended to cover the legal liability of the insured to third
parties as a consequence of an insured event which occurs due to the use of
domestic lifting apparatus (as defined hereunder) fitted in the insured home.
35.3.1. Definitions for this clause:
35.3.1.1. Domestic lifting apparatus A chair lift and/or car
parking stacker only.
35.3.1.2. Stairlift A stairlift (staircase chair) connected to rails fitted
on the staircase inside of the insured home.

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35.3.1.3. Car parking stacker A parking stacker fitted in the

insured home and/or private car stacker in an apartment
building at the address of the insured home.
35.3.2. Exclusions to the liability of the insurer:
The insurer will not cover the liability of the insured to third parties
due to loss or damage caused to the body and/or property of a third
party as a consequence of and/or in connection with and/or due to
and/or in respect of:
35.3.2.1. Lifting apparatus which is not wholly and solely owned by
the insured.
35.3.2.2. Lifting apparatus which has not been erected by a
company holding a valid license from the competent
authority to fit the type of lifting apparatus in question.
35.3.2.3. Lifting apparatus which was not manufactured in
accordance with the Israeli standards and/or has not been
inspected and passed by the Standards Institute of Israel.
35.3.2.4. Domestic lifting apparatus which has not undergone a
periodic inspection by a qualified technician in
accordance with the legal requirements.
The limit of liability of the insurer for this extension is limited to NIS 750,000
per occurrence and in the aggregate for the period of insurance.
35.4. Possession of firearms

Notwithstanding that stated in clause 34.6 above, the insurance in accordance
with this section is extended to cover the legal liability of the insured to third
parties in respect of an insured event which occurs due to the possession of a gun
or rifle.
due to loss or damage to body and/or property as a consequence of
and/or in connection with and/or due to and/or in respect of:
35.4.1.1. Firearms which the insured does not have a valid license
to possess.
35.4.1.2. A violation of the Firearms Act 1949 and/or directives
of the Ministry of Internal Security (or any other
government ministry responsible for this matter), in
connection with the possession of firearms.

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35.4.1.4. Firing practice outside of a designated and authorised

firing range.
NIS 750,000 insured event and for the whole period of insurance.
35.5. Dangerous dogs
Notwithstanding that stated in clause 34.7 above, the insurance in
accordance with this section is extended to cover, without any additional
premium, the legal liability of the insured to third parties as a consequence
of an insured event caused by a dangerous dog as defined in the
Regulation of Supervision of Dogs Act 2002 (hereinafter in this clause: the
law) provided that the insured is the registered owner with the local veterinary
authority and holds a valid license to own a dangerous dog and complies with all
of the legal requirements as laid out by the Ministry of Environmental Protection
and the local authority in the area of the home relating to the possession of dogs,
including rules of conduct and safety to the public.
due to loss or damage to the body and/or property of a third party
as a consequence of and/or in connection with and/or due to
and/or in respect of:
35.5.1.1. A dog which has not been vaccinated in accordance with
legal requirements.
35.5.1.2. A dog kept outside of the premises of the insured and/or
in a public place without a muzzle and who is not held by
the insured or an adult person on their behalf, with a
minimum 2 metre long lead enabling the owner to control
the dog.
35.5.1.3. A male dog that has not been castrated or a bitch that has
not been spayed.
The limit of liability of the insurer in respect of this extension is
limited to NIS 100,000 per occurrence and in the aggregate for the
period of insurance.
35.6. Refund of legal expenses in criminal proceedings
The insurance in accordance with this section is extended to indemnify, without
any additional premium, reasonable expenses actually incurred by the insured for
legal defence they need due to charges brought against them due to an insured
event which is covered under this section and which leads to bodily injury of a
third party, provided that the insured notifies the insurer immediately on receipt
of the charges.

32
For the purpose of this extension the meaning of criminal defence costs
is as follows:
Legal fees actually paid by the insured, court fees, stamp duty as well as the fees of
experts and witnesses as determined the court or as set out in the law, other than
fines and/or any compensation or punitive payment determined in a verdict or
plea bargain.
NIS 20,000 per occurrence and in the aggregate for the period of insurance.


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SECTION D EMPLOYERS LIABILITY INSURANCE

The company will indemnify the insured under this section for amounts that the insured is held
liable to pay at law as compensation to their domestic employees due to an insured event which
occurs during the period of insurance at the place described in the schedule, subject to the terms,
conditions and exclusions and limits of liability stated hereunder:
37. DEFINITIONS
37.1. The law
Torts Ordinance (New Version) 1968.
37.2. The insured event

Death, bodily, personal or psychic or mental injury as a consequence of an
accident that occurs during the period of insurance affecting an employee of the
insured whilst in the direct service of the insured and who receives a salary from
the insured, during and due to their work, or illness they suffer directly due to and
during their work.
37.3. Legal expenses

The company will indemnify the insured for reasonable legal expenses that the
insured incurs due to the insured event even if they exceed the limit of liability.
37.4. Limits of liability

The limits of liability under this section will not exceed the amounts stated in the
schedule as the limits of liability of the insurer per occurrence or series of
occurrences arising from a single cause and in the aggregate for all occurrences
during the period of insurance.
38. EXCLUSIONS TO THE LIABILITY OF THE INSURER:

This insurance does not cover the liability of the insured due to injury or damage
arising directly or indirectly from, due to, by, from or in connection with:
38.1. Any agreement that imposes liability on the insured which in the absence
of which would not have applied to the insured.
38.2. Any amount which the insured is demanded to pay by the National
Insurance Institute.
38.3. Any amount paid by the National Insurance Institute for injury, death or
illness, or which would have been payable by the National Insurance
Institute but was not paid due to non-compliance with any provision of the
National Insurance Institute Act and/or its regulations, or due to failure to
make a claim with the National Insurance Institute.

34
SECTION D EMPLOYERS LIABILITY INSURANCE
38.4. Accident or illness involving youth employed in violation of the directives,

laws or regulations regarding the employment of youth or in breach of
them.
38.5. Any liability arising from the use of a motor vehicle as defined in the
Compensation for Road Accident Victims Act 1975, or due to the use of
aircraft, watercraft or any engine propelled vehicle used for transportation.
38.6. Asbestos or any materials containing asbestos in any form or quantity
provided that the insured event arises or was affected by the hazardous
properties of the asbestos.
38.7. Silicate dust or exposure to materials containing crystalline silicates
provided that the insured event arises or was affected in any way by the
exposure to this material.
39. EXTENSION FOR BUSINESS ACTIVITIES CARRIED OUT FROM THE

INSURED HOME:
If this cover is stated expressly in the schedule; then this section is extended to cover
the liability of the insured to persons employed by them in the home at the address
insured, for the purposes of the business of the insured stated in the schedule provided
that the total number of employees of the insured does not exceed 3.
This extension does not alter the limit of liability stated in the schedule.

35
SECTION E INSURANCE FOR PROPERTY IN BANK SAFES

The insurer will indemnify the insured for sudden and unforeseen physical damage
caused to the contents of the bank safe registered in the name of the insured (hereunder
in this section: the insured property) situated in the bank named in the schedule,
within the boundaries of the State of Israel or in an area defined in the Amendment and
Extension of the Validity of the Emergency Regulations Law (Judea and Samaria
Jurisdiction and Offences with Legal Assistance) 2007, which occurs during the period
of insurance due to any cause which is not excluded from the cover in the following
exclusions:
40. THE INSURED PROPERTY:

40.1. Jewellery, precious stones, coins and stamps whose details and values are stated in
a valuation.
40.2. Securities, cash, shopping vouchers, cheques and bills.
41. EXCLUSIONS TO THE COVER:

The insurer will not make indemnity payments for:
41.1. Disappearance, shortages or misplacement.
41.2. Theft which is not burglary with force and violence, other than in the case
of the use of keys to the safe obtained illegally.
41.3. The value of the information stored in documents.
41.4. Consequential loss sustained by the insured, their family member or the
beneficiary as a consequence of an insured event including shortages,
errors, delays, loss of market, fluctuations in currency rates or share prices.
41.5. War, hostilities, acts of terrorism.
41.6. Civil war, rebellion, military or civil insurrection, revolution.
41.7. Ionising radiation, radioactive pollution, nuclear processes and any loss or
damage due to nuclear material or nuclear waste.
41.8. Seizure, expropriation, confiscation, destruction or demolition of property
by the government, the army, a local authority or any individual acting in
accordance with the law.
42. THE LIABILITY OF THE INSURER:

42.1. Will not exceed the total sum insured per insured event and/or in the aggregate
for the period of insurance of the insured property in the bank safe, as stated in
the schedule.

36
SECTION E INSURANCE FOR PROPERTY IN BANK SAFES
42.2. For securities, cash, shopping vouchers, cheques and notes As stated
hereunder and not more than 20% of the safe contents sum insured per single
item or all items listed in this clause:
42.2.1. Securities Limited to the market value of these securities on the date of
the event.
42.2.2. Cash, shopping vouchers, cheques and notes limited to their face value.
42.3. For jewellery, precious stones and gemstones limited to their value on the
date of the occurrence.
43. ALL RISKS EXTENSION FOR JEWELLERY OUTSIDE OF THE BANK

SAFE:
43.1. If this cover if stated expressly in the schedule; then this section will be extended
to include cover for jewellery and wristwatches stored in the bank safe, whilst
being kept temporarily outside of the bank safe for not more than 7 consecutive
days from the date of their removal from the safe, anywhere within the
boundaries of the State of Israel or in an area defined in the Amendment and
Extension of the Validity of the Emergency Regulations Law (Judea and Samaria
Jurisdiction and Offences with Legal Assistance) 2007.
43.2. Liability of the insurer:
Applies solely in respect of jewellery and wristwatches which are covered under
this section and are stated in the valuation or survey which has been submitted to
the insurer and is limited to 10% of the bank safe contents sum insured however
not exceeding NIS 50,000 per occurrence and in the aggregate for the period of
insurance.


37
SECTION F TERRORISM INSURANCE
45. DEFINITIONS:
45.1. Insured event:
Physical loss or damage to the insured property as defined in clause 45.2 whilst
situated at the address stated in the schedule which is caused by an act of
terrorism.
45.2. The insured property:
The property covered under Section A Buildings Insurance and/or under
Section B Contents Insurance, provided that the insurance cover for these
section has been purchased and is stated in the schedule.
45.3. The law:
The Property Tax and Compensation Fund Act 1961.
45.4. Act of terrorism:
Sabotage or harmful act to the insured property as defined in clause 45.2 which is
committed with violence in order to further political aims, by a person or persons,
whether acting in the name of or in connection with any organisation which is
hostile to the State of Israel or not.
46. EXCLUSIONS TO THE COVER:
This section does not cover loss or damage to the insured property:
46.1. Which is caused or arises from civil war, rebellion, military or popular
insurrection, revolution.
46.2. Which is caused direct or indirectly by an act, deed or incident in
connection with war, invasion, foreign enemies, including hostilities or
quasi-belligerent activities, regardless whether war has been declared or
not, which is perpetrated by the forces of a United Nations member
country with voting rights in the General Assembly of this organisation.
46.3. Connected and/or caused directly or indirectly by any atomic weapons
and/or any biological and/or chemical materials, including loss or damage
occurring as a consequence of ionising radiation, radioactive pollution,
nuclear processes, nuclear material or nuclear waste.
46.4. Which is caused or arises from seizure, expropriation, confiscation,
destruction or demolition of property by the government, the army, a local
authority or any individual acting in accordance with the law.
46.5. Which is caused or arises from burglary or theft by any person taking part
in acts of terrorism.
46.6. Consequential loss of any type, other than as stated in clause 6.3.3 of the
policy above in respect of loss of rent of the home or costs for renting
alternative accommodation due to the insured event.

38
SECTION F TERRORISM INSURANCE
47. LIMITATION OF LIABILITY:

The sum insured in accordance with this section is limited solely to the difference
between the reinstatement value of the insured property as defined in clause 52 above and
the compensation due to the insured in accordance with the law.
It is hereby clarified that the insurer will not be liable to pay any amount which
has been paid by the Property Tax and Compensation Fund or which it would
have paid but did not pay due to non-compliance with the provisions of the law, or
due to failure to make a claim with the Property Tax and Compensation Fund.
In any case the indemnity payments under this section will not be less than 10% of the
total amount actually paid by the Property Tax and Compensation Fund.
48. ONUS OF PROOF:

In any claim for indemnity payments, the onus of proving that the damage was caused by
terrorism is imposed on the insured. In order to prove the above the insured must
present the company with a certificate from the legally competent authorities confirming
that the damage was caused by an act of terrorism.

39
SECTION G GENERAL CONDITIONS FOR ALL CHAPTERS
49. METHODS OF COMPENSATION:

The insurer may, at its discretion, choose one or more of the following methods of
compensation:
49.1. Payment of the value of the loss or damage in cash;
49.2. Repairing the home buildings or contents which have been lost or damaged by
bringing them to as similar a condition as possible to that which applied
immediately before occurrence of the loss or damage;
49.3. Replacing the contents or part of them or replacing parts of the buildings with
items of the same type and quality compared to those which have been lost or
damaged; and in the case of of jewellery, subject to the agreement of the insured
and on condition that they can be identified or replaced with identical jewellery;
50. INDEXATION OF THE SUMS INSURED:

50.1. The sums insured stated in this policy will vary in accordance with the changes
between the latest Consumer Price Index published by the Central Bureau of
Statistics (hereinafter the index) on the inception date of the period of
insurance and the latest index published before occurrence of the insured event,
other than sums insured under Section A (Buildings insurance) which will vary in
accordance with the changes to the Residential Construction Inputs Index
published by the Central Bureau of Statistics (hereinafter - the Construction
Inputs Index) on the inception of the period of insurance and the latest
Construction Inputs Index published before occurrence of the insured event.
50.2. If the insured requests any increases to the sums insured during the period of
insurance, other than as a result of linkage to the Consumer Price Index or to the
Construction Inputs Index, any such increase will constitute an additional basic
sum to which the aforementioned indexation conditions will apply and the basis
for the increase will be the latest Consumer Price Index or Construction Inputs
Index published, as the case may be prior to the increase taking effect.
51. INDEXATION AND INTEREST ON THE INDEMNITY PAYMENTS:

51.1. The indemnity payments due to the insured following the occurrence of an
insured event will vary in accordance with the changes between the latest index
published before occurrence of the insured event and the latest index published
before the payment is made to the insured, other than indemnity payments in
accordance with Section A which will vary in accordance with the changes
between the latest Construction Inputs Index published before occurrence of the
insured event and the latest Construction Inputs Index published before the
payment is made to the insured.

40
51.2. Interest will be added to the indemnity payments at the rate stated in the
definition of Indexation increments and interest in section 1 of the Interest and
Indexation Ruling Law 1981 (hereinafter: the Interest and Indexation Ruling
Law) after thirty days have elapsed from the date on which the claim under this
policy has been submitted.
This directive does not derogate from the authority of a court in
accordance with the said law.
52. REINSTATEMENT VALUE:

52.1. On the occurrence of an insured event to the home buildings or contents, the
indemnity will be paid according to the new replacement value of the home
building or contents unless if the insured has waived this cover and the matter has
been documented by the insurer and is stated in the policy schedule. In this regard
new replacement value means rebuilding, repair or replacement with new
property of the same type and quality of the lost or damaged property.
52.2. Indemnity payments on a new replacement value for an insured event are
subject to reinstatement by the insured or repair or replacement of the lost or
damaged property and this without any changes to the quality and type of
property compared to the lost or damaged property. If the lost or damaged is not
reinstated, repaired or replaced, payments will be made on a pure indemnity basis;
52.3. If a separate sum insured has been set for a specific item of the contents, the
indemnity payments payable for loss or damage to such a time will not exceed the
amount set for it in the schedule;
52.4. If no separate sum insured has been set for a specific item of the contents, but the
schedule states that indemnity will be paid on a new replacement value, the
indemnity due to loss or damage to such contents will be paid on a new
replacement value;
52.5. Indemnity will not be paid on a new replacement value for loss or damage to
clothes only;
52.6. Indemnity in accordance with this clause will be paid according to the value of the
property as new on the date of the reinstatement, or according to its value as new
on the date when the indemnity is paid, the earlier of the two dates;
52.7. The reinstatement works must commence within a reasonable time after
occurrence of the loss or damage, and in any case should be completed, in the
case of buildings, within twelve (12) months from the date of the insured event
and in the case of contents within ninety (90) days of the date of the insured
event. If it is not possible to complete the reinstatement within the said periods
due to reasons which are not dependant on the insured, the reinstatement period
will be extended in coordination between the insured and the insurer.
52.8. The liability of the insurer under this clause will not exceed the sum insured stated
in the schedule for buildings, contents or the specific item, as applicable.

41
53. CLAIMS FOR INDEMNITY PAYMENTS:

53.1. If an insured event occurs, the insured must notify the insurer immediately on
becoming aware of the matter;
53.2. A claim for indemnity payments under this policy will be documented by the
insurer, however the aforementioned does not preclude the insurer from
requesting that the claim is made in writing;
53.3. The insured must submit to the insurer the information and the documents
required for clarification of the liability and its scope within a reasonable time
after being requested to do so and if they are not in their possession, they must
assist the insurer insofar as possible to obtain them;
53.4. The insurer will take the necessary steps to clarify its liability immediately on
receipt of notice from the insured of the insured event;
53.5. Indemnity payments will be made within 30 days of the date on which the insurer
is in receipt of the information and documents required to clarify its liability.
54. NOTIFICATION TO THE POLICE OF MALICIOUS DAMAGE, BURGLARY,

ROBBERY OR THEFT:
The insured must notify the police in any event of loss or damage which in their
opinion arises from malicious damage, burglary, robbery or theft.
55. RETRIEVING PROPERTY:

55.1. If property which was stolen is retrieved before indemnity payments are made for
it in accordance with this policy, the property will be returned to the insured and
the insurer will not make indemnity payments other than if the retrieved property
has been damaged.
55.2. If property which was stolen is retrieved after indemnity payments are made, the
insurer will notify the insured and vice-versa. In such a case the retrieved property
will be assigned to the insurer other than if the insured notifies the insurer within
30 days of the date of the notice from the insurer or the insured, as applicable,
that they wish to obtain the retrieved property in consideration of a refund of the
indemnity payments to the insured in the said period.
56. ON ACCOUNT PAYMENTS AND UNDISPUTED INDEMNITY

PAYMENTS:
56.1. On the occurrence of an insured event, the insured will be entitled to receive an
interim payment or a financial undertaking from the insurer in order to enable
them to obtain service to repair the loss or damage, on account of the payment
due to the insured in accordance with the conditions of this policy;

42
56.2. If the insurer has made an on account payment on account of the indemnity
payments, this on account payment will be deducted from the final amount
payable by the insurer. Calculation of the deduction will be made by indexing the
interim payment to the Consumer Price Index or to the Construction Inputs
Index, from the date of the interim payment until the final payment date;
56.3. Undisputed indemnity payments will be paid within 30 days of the date on which
the claim for indemnity payments was submitted to the insurer in accordance with
clause 53.2 and which can be claimed separately from the other indemnity
payments.
57. REINSTATEMENT OF THE SUMS INSURED:

57.1. After indemnity has been paid to the insured due to an insured event, the insurer
will reinstate the scope of its liability under this policy to the level which applied
before occurrence of the insured event.
57.2. The insurer is entitled to charge an additional premium for the reinstatement of
the scope of cover from the occurrence date of the insured event until the expiry
of the period of insurance; for the purpose of calculating the additional premium
that the insured is required to pay for the reinstatement of the sum insured, only
the actual indemnity paid to the insured will be taken into account.
58. DEDUCTIBLE:
58.1. On the occurrence of an insured event which is covered under this policy, the
deductible amount stated in the schedule will be deducted from the indemnity
payments in respect of each and every claim;
58.2. If a deductible in respect of a specific insured event is expressed as a percentage
of the sum insured, the deductible amount will be calculated separately in respect
of each section of the policy;
58.3. Without derogating from that stated in clauses 58.1-58.2, on the occurrence of an
insured event covered under Sections A and B of the policy the insured will pay a
single deductible being the higher of the two amounts stated in the schedule.
59. PAYMENT OF THE PREMIUM AND OTHER FEES:

59.1. The premium and all other amounts due from the insured to the insurer in
connection with this policy will be paid in the manner and on the dates stated in
the schedule;
59.2. In respect of this policy the premium means the premium and the fees payable
to the insurer as well as the taxes and levies, all as stated in the schedule;

43
59.3. If any amount which is due from the insured to the insurer is not paid on time,
the amount in arrears will accrue annualised arrears interest as defined in the
Interest and Indexation Ruling Law in accordance with the changes to the index
between the latest index published before the designated payment date and the
latest index published before the actual payment date;
59.4. If any amount in arrears as aforementioned is not paid within fifteen days of the
insurers written request to the insurer to make payment, the insurer is entitled to
notify the insured in writing that the policy will be cancelled following a further
twenty one days if the amount in arrears is not settled beforehand. If a beneficiary
other than the insured has been irrevocably designated, the insurer is entitled to
cancel the policy only after written notice is sent to the beneficiary regarding the
aforementioned arrears and if the beneficiary does not settle the amount in arrears
within fifteen days of the date on which the aforementioned notification is sent;
59.5. Nothing contained in the cancellation conditions in accordance with this clause
derogates from the obligation of the insured to settle the amount in arrears
relating to the period up to the aforementioned cancellation as well as the
insurers expenses.
60. DISCLOSURE AND CHANGES TO MATERIAL FACTS:

60.1. This policy was issued relying on the written replies provided by the insured to
the insurer, in writing or in any other manner which has been documented
by the insurer, in reply to all of the questions posed in the proposal form which
serves as the basis of the policy and relying on the insurers assumption that the
insured has provided full and honest replies to the questions posed as
aforementioned and that the insured has not intentionally and fraudulently
withheld any fact from the insurer which they knew to be material for the purpose
of assessing the insured risks and has implemented measures to prevent losses
which the insurer has requested in writing be taken to mitigate the risks covered in
accordance with this policy;
60.2. A material fact is a matter in respect of which a question was posed in the
proposal form in writing or in any other manner which has been
documented by the insurer, and without derogating from the generality of the
aforementioned, also includes the following matters:
60.2.1. In respect of the home buildings:
The address of the property, the type of building, the construction
materials, the location of the apartment in the building, safety measures of
any type, the age of the building, the size of the property, the number of
rooms, the number of permanent residents, any special additions or
alterations;

44
60.2.2. In respect of the home contents:

A description of the items comprising the contents, the value of the
contents, details of electrical appliances, their make, model, age and value
and details of valuables;
60.2.3. In respect of the home buildings and contents:
Losses or damages which have occurred in the last three years as a
consequence of the perils covered under this policy as well as details of
previous insurers who insured or refused to insure the home buildings or
contents in the last three years;
60.2.4. If the insured does not provide complete and honest replies to questions
relating to material facts, or intentionally and fraudulently withholds
material facts from the insurer, or does not implement measures requested
by the insurer to mitigate the insured perils covered under this policy, the
insurer will act in accordance with the provisions of the Insurance
Contract Law. This clause does not affect any statutory remedy conferred
on the insurer;
60.2.5. The insured must notify the insurer during the period of insurance of any
change to material facts immediately upon becoming aware of the same. If
the insured does not disclose such a change to the insurer, the insurer will
be entitled to cancel the insurance or to reduce the scope of its liability in
accordance with the provisions of the Insurance Contract Law.
61. CANCELLATION OF THE POLICY:

61.1. The insured is entitled to cancel the policy at any time before expiry of the period
of insurance at their discretion; in such a case the policy will be cancelled on the
date on which the notice is submitted to the insurer or on a later date at the
request of the insured.
61.2. Without derogating from the statutory rights of the insurer, the insurer is entitled
to cancel the policy before expiry of the period of insurance due to fraud on the
part of the insured or due to non-disclosure of facts which were enquired about
before the policy was issued, provided that notice is sent to the insured containing
an explanation for the cancellation, by registered post at least 30 days before the
date on which the policy is due to be cancelled;
61.3. If the insured issues notice of cancellation notice as stated in clause 61.1 or if the
insurer provides notice of cancellation in accordance with 61.2, the insurer will
refund to the insured as soon as possible, and within not more than 14 days of the
date on which the cancellation takes effect, the pro-rata share of the premium
which has been paid. The pro-rata refund as aforementioned will be calculated by
multiplying the premium charged by the insurer by the ratio between the number
of days remaining until the expiry of the original period of insurance on the
cancellation date, and the number of days in the original period of insurance.

45
61.4. All amounts which are refunded in accordance with this clause will vary in
accordance with the changes to the index between the latest index published
before the date on which the premium was paid and the latest index published
before the date of paying the return premium; if the premium is paid in
instalments, each amount will vary accordingly to the changes in the index
between the latest index published before the payment date and the latest index
published before paying the return premium.
61.5. Notwithstanding that stated in this clause, a policy subject to a mortgage or loss-
payee clause will be cancelled 30 days after a warning notice of the cancellation
has been sent to the beneficiary;
62. DOUBLE INSURANCE:

62.1. If the home buildings or contents were insured for the perils covered under this
policy with more than one insurer for overlapping periods, the insured must
notify the insurer of this immediately after arranging the double insurance or
immediately after becoming aware of the same;
62.2. In a situation of double insurance, the insurers are liable severally for the full
amount and they will reconcile the indemnity payments between themselves
according to the ratio between the sums insured.
63. MOVING HOME:

63.1. If the insured moves home during the period of insurance (hereinafter the new
home), by written notification to the insurer and with its agreement, the
insured may transfer the cover under this policy to the new home, and the cover
for the home buildings and contents will continue to apply to the new home, in
accordance with the insureds notice and in accordance with the existing
policy conditions.
Notwithstanding that stated in this sub-clause, the cover for the contents
will continue to apply in both homes for a period of up to 3 days;
63.2. If the value of the new home buildings or the new home contents exceeds the
value of the old home buildings or contents on the date of the move to the new
home, the insured will increase the sum insured accordingly and will pay the
insurer the pro-rata difference in premium for the increase in the sum insured
within 30 days of the same date. The calculation of the premium for the increase
in sum insured will be made by taking into account the increase in the value of the
home or the contents between the inception date of the period of insurance and
the date of the move.

46
63.3. If the value of the new home or contents is lower than the value of the old home
or contents on the date of the move, the insured will reduce the sum insured
accordingly and will receive from the insurer the pro-rata difference in premium
for the reduction in sum insured within 30 days of the same date. The calculation
of the difference in premium due to the insured for the reduction in sum insured
will be made by taking into account the reduction in the value of the home or the
contents from the inception date of the period of insurance up to the date of the
move.
64. SUBROGATION:
64.1. If, due to an insured event, the insured is also entitled to compensation or
indemnity from a third party other than by virtue of the insurance contract, this
right is assigned to the insurer as soon as the indemnity payments are made to the
insured, up to the amount of indemnity payments made;
64.2. The insurer is not entitled to utilise the right assigned in accordance with this
clause in a manner which will prejudice the right of the insured to obtain
compensation or indemnity from the third party in excess of the indemnity
payments which they received from the insurer;
64.3. If the insured received compensation or indemnity from a third party which was
due to the insurer in accordance with this clause, they must remit it to the insurer;
if the insured made a compromise settlement, waiver or other action which
prejudices the right assigned to the insurer, they must compensate the insurer
accordingly;
64.4. The directives of this clause do not apply if the insured event was caused
unintentionally by an individual who a reasonable insured would not claim
compensation or indemnity from by virtue of family, employment or landlord
and tenant relations between them, provided that the landlord and tenant
waived the right of subrogation against each other.
65. PRESCRIPTION:
The prescription period of a claim for indemnity payments in accordance with this policy
is in accordance with the period stated in the Insurance Contract Law.
66. CONSEQUENTIAL LOSS:

The insurer will not be liable for consequential loss of any type which is sustained by the
insured or the beneficiary as a consequence of the perils covered under the policy, other
than if stated otherwise in the policy.

47
67. NOTICES:
67.1. Notices from the insured or the beneficiary to the insurer will be sent in writing to
one of the following addresses:
67.1.1. The address of the insurers office, as stated in the heading to this policy,
or any other address in Israel which the insurer notifies the insured or the
beneficiary of from time to time.
67.1.2. The office of the insurance agent stated in the policy at the address stated
herein, or any other address in Israel which the insurance agent or the
insurer notifies the insured or the beneficiary of from time to time.
67.2. Notices from the insurer or the beneficiary to the insurer may be sent by another
manner not stated in clause 67.1 which the insurer notifies the insured or the
beneficiary of from time to time.

48

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Definitions for all sections of the policy 4

Section A: Building insurance 5

Extensions for section A 6

Water and other liquid perils 6

Cover for fixtures and fittings for the tenant of a property 7

Cover for an unoccupied property 8

All risks coverage supplement for home buildings insurance 8

Section A1: Additional sum insured in an apartment block 12

Section B: Contents insurance 13

Cover for contents away from the home 15

Accidental damage to desktop electronic equipment 16

Contents of storerooms / auxiliary buildings 16

Electrical bicycles / electrical scooters / Segways 17

Damage to contents by water and other liquids 18

Cover for business contents 19

Cover for contents of an unoccupied property 19

Clal Insurance Company Ltd.

Section B1 All risks extension: 21

- For valuables up to 10% of the contents sum insured 22

- For all home contents 23

- For specific items of contents 24

- For specific contents overseas 26

Section C: Third Party Liability 28

Swimming pools / Jacuzzi 30

Criminal defence costs 32

Section D: Employers Liability 34

Extension for business activity 35

Section E: Cover for the property in bank safes 36

All risks extension for jewellery outside of the bank safe 37

Section F: Terrorism insurance 38

Section G: General conditions for all sections of the policy 40

Clal Insurance Company Ltd.

JUNE 2016 EDITION

Clal Insurance Company Ltd.

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This section is valid solely if stated in the schedule

2. THE INSURED EVENT:

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3.3.1.3. Transfer expenses or replacement of frames or other building's

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4.1.2Repairing the damage by a service supplier (limited cover):

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4.4. All risks coverage supplement for home buildings insurance:

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4.4.2. Damage to domestic photovoltaic apparatus panels for generating

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6.3.1. Costs for services provided by architects, loss adjusters, building

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This section is valid solely if stated in the schedule

8. THE INSURED EVENT:

9. CALCULATION OF THE COMPENSATION:

10. NON-APPLICATION OF UNDERINSURANCE:

Clal Insurance Company Ltd.

This section is valid solely if stated in the schedule

11. THE INSURED EVENT:

Clal Insurance Company Ltd.

12. THE CONTENTS:

13. LIMIT OF THE LIABILITY OF THE INSURER IN RESPECT OF SPECIFIC

Clal Insurance Company Ltd.

14. COVER FOR CONTENTS AWAY FROM THE HOME:

15. EXTENSIONS TO THE BASIC COVER:

Clal Insurance Company Ltd.