All Risks Policy Terms

Minimum Standards of Security (up to £5,000)

5.4.5 Protection, Preservation and Security of Property
The Insurer shall be entitled to refuse to pay any Claim under the Material Damage Section if the Insured does not use the utmost diligence and take all practical steps to protect, recover and save property insured and minimise any actual or potential Damage when property has sustained or is in imminent danger of sustaining Damage.

The Section also includes costs incurred to temporarily protect or preserve property due to actual or to prevent imminent Damage but not exceeding the amount by which a loss under this Section is reduced by reason of such preventative or protective action. Such costs are subject to the Excess that would have applied had the Damage occurred.

The Insurer shall also be entitled to refuse to pay any claim under the Material Damage Section if the Insured does not at all times maintain all property in a good, proper and workmanlike manner and ensure that all protection and security systems that have been advised to the Insurer, as well as other protection and security systems, are in force at all times.

Minimum Standards of Security (above £5,000)

Minimum Security Protections

1. all final exit timber doors must (i) have frames which are at least 45mm thick,
   1. (ii) be fitted with mortice deadlocks which conform to British Standard 3621:1980 for thief resistant locks; and
   2. (iii) if double leaf, also be fitted with security bolts at the top and bottom of their first closing leaf;
2. all final exit aluminium doors must (i) be fitted with a swing bolt mortice lock; and (ii) if double leaf, also be fitted with security bolts at the top and bottom of their first closing leaf;
3. all other external or internal doors leading to common areas or other premises must be fitted with key operated security bolts at the top and bottom; and
4. all windows on the ground floor and/or which are accessible from roofs, fire escapes or downpipes must be fitted with key operated locks or bars or grilles.

Requirements (1) – (4) above do not apply to any door or window officially designated by the fire authority as a fire exit. In respect of purpose-built shipping containers covered under the Ancillary Buildings Specification used for storage:

1. both access doors must be fitted with at least one (1) Mul-T-Lock closed shackle padlock (minimum CEN Grade 3 rating) on each leaf; and
2. the central closing point where both doors meet must be fitted with at least one (1) Mul-T-Lock slide bolt lock (minimum CEN Grade 4 rating) incorporating a metal covering box.

In respect of any other structures covered under the Ancillary Buildings Specification, security measures must be fitted to protect those structures from unauthorised access.