Unified Motor Vehicle Insurance Policy Against Loss and Damage

The Unified Motor Vehicle Insurance
Policy Against Loss and Damage issued pursuant to the Regulation of Unified Motor Vehicle Insurance Policies according to Insurance Authority Board of Directors’ Decision No. (25) of 2016 Consolidated version as of 18/01/2021 This Policy has been amended by the Insurance Authority Board of Directors’ Decision No. (42) of 2017 and the Insurance Authority Board of Directors’ Resolution No. (26) of 2020 respectively. You are reading the consolidated version as of 18/01/2021.

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CONTENTS
Subject Page
Definitions 3
Chapter One General Conditions 4
Chapter Two Obligations of the Insurance Company 6
Chapter Three Obligations of the Insured 7
Chapter Four Exclusions 7
Chapter Five Recourses against the Insured 8
Chapter Six Policy Termination 9
Schedule No. (1) 9
Schedule No. (2) 10
Schedule No. (3) 10
Schedule No. (4) 11
Schedule No. (5) 11
Motor Vehicle Insurance Application 12
Insurance Service Details 12

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The Unified Motor Vehicle Insurance Policy Against Loss and Damage IA-BOD-RES 25/2016 Whereas the Insured has applied to ……………….. Company (hereinafter referred to as the “Company”) for the insurance set herein below, and has agreed that the application is considered as the basis for and integral part of this Policy, and has paid or agreed to pay the applicable premium, and the Company has accepted and represented to pay compensation to the Insured incase of any damage to the Motor Vehicle subject to this insurance, whether it emerges from the use or parking of the Motor Vehicle in the UAE during the insurance period, whether the Insured caused the accident or was an injured party; Therefore, this Policy was entered into to cover the damages that befall on the Insured Motor Vehicle in the UAE during the insurance period according to the terms, conditions and exclusions in or appended to this Policy. Definitions The following terms and phrases shall have the meanings indicated beside each of them unless the context provides otherwise:
Policy: The Unified Motor Vehicle Insurance Policy against Loss and Damage and any rider to it, which governs the relationship between the Insured and the Company, and where by the Company undertakes to compensate the Insured, on the occurrence of the damage hereby covered, in return of thepremium paid by the Insured. Company (Insurer): The insurance company that is licensed to operate inside the State according to the laws and regulations issued in the State and accepts to insure the motor vehicle and has issued the Policy. Insured: A natural or corporate person that has applied for insurance, entered into an insurance contract with the Company, and paid or has agreed to pay the premium. Motor Vehicle Driver (Licensed Driver): The insured or any person who drives the Motor Vehicle by the permission or order of the Insured, provided that they are licensed to drive according to the Motor Vehicle category pursuant to the Traffic Laws and other laws and regulations, and that the granted license has not been cancelled by acourt’s order or by virtue of the Traffic Laws and its Executive Regulations. This definition includes the driver whose driving license has expired if they manage to renew it within thirty days from the date of accident. Motor Vehicle: A mechanical machine, motorcycle or any other device that works through a mechanical force, and its specifications aredescribed in the Policy. Insurance Application: The application that includes the details of the Insured, the details of the Motor Vehicle and the type of required coverage,and is filled in by or with the knowledge of the Insured electronically or in writing.

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The Unified Motor Vehicle Insurance Policy Against Loss and Damage IA-BOD-RES 25/2016 Rider: Every special agreement between the parties in supplement to the basic coverages under this Policy. Premium: The consideration that is paid or undertaken to be paid by the Insured in return for insurance coverage. Basic Deductible: The amount paid by the Insured according to the Schedule of Deductibles attached to this Policy per accident. Ancillary Deductible: The amount paid by the Insured according to the Policy in addition to the Basic Deductible. Natural Disaster: Any general phenomenon that arises from nature such as fl oods, tornados, hurricanes, volcanoes, earthquakes and quakes, and leads to extensive and widespread damage, and in respect of which a decision is issued by the concernedauthority in the country. Flood: An event that occurs within the concept of Natural Disasters. Road: Every road open and available to the public without need to get special permission, and every place that is made available for the crossing of motor vehicles, and is made available to the public by a permission or license from a concerned authority or otherwise, for or without consideration according to thedefinition mentioned in the applicable Traffic Laws. Depreciation Percentage: The percentage payable by the injured party on the occurrenceof an accident, and who requests the replacement of new partsin lieu of the used parts in case of partial loss according to theschedules of depreciation. Insurance Period: The period of time of motor vehicle insurance up to the end of the thirteenth month from the commencement of theinsurance.
Chapter One: General Conditions

1. The Policy and its schedules shall constitute one integral contract, and any Rider to this Policy shall
   constitute an integral part hereof, and every term or phrase to which a special meaning has been given in any part of the Policy or its schedules shall have the same meaning elsewhere, unless the context otherwise requires.
2. Any notice or notification of an accident that is required by this Policy shall be served to the Company
   in writing by e-mail, facsimile or by hand delivery to the address designated in the Policy as soon as practically possible.
3. Any external agreement between the Insured and the Company that will reduce the coverages hereunder
   shall be deemed void.
4. In case of several insurances with more than one insurance company, the Company will only be
   committed to compensate damages in the percentage of the amount insured with it to the total insured amounts against the insured risk.

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The Unified Motor Vehicle Insurance Policy Against Loss and Damage IA-BOD-RES 25/2016
5. The Company and the Insured may agree, using riders in return for an additional premium and within
the scope of the terms and conditions herein, that the Company shall insure against the other damages not provided for in this Policy, in particular:
a.   Insurance against the damages to the properties of the Insured or the Motor Vehicle Driver at the time of the accident or the properties kept with them in trust, or in their guardianship or possession under a rider to this Policy or a separate policy. b. Coverage of the damages or risks which occur outside the roads.
6. Notwithstanding the terms and conditions of this Policy, the Insurance Company may not refuse to
compensate the Insured as a result of late notification of the accident, if the delay is attributed to an acceptable excuse.
7. With respect to a fl eet insurance policy or any Motor Vehicle insured under this Policy, the Company
may not enter into any external agreement that may reduce the coverage provide dunder this Policy or depriving the Insured or the Beneficiary of this Policy from exercising the right to claim for compensation hereunder, including depriving a claim for compensation for any reason not related to the accident such as age, gender, or otherwise, or the agreement willbe deemed void. 8 a.  If the Insured Motor Vehicle is a total loss, and the Company compensates the Insured on that basis, the salvage will be deemed property of the Company. The Insured may not be charged any expenses related to the transfer of the Motor Vehicle title or issuance of a certificate of ownership of the Motor Vehicle. b.  The Insured shall be liable to pay the dues arising on the vehicle before receiving the compensation and to submit the required papers and power of attorney and attend before the competent departments, if necessary in order to transfer the ownership of the motor vehicle to the company. Whereas, in case there is mortgage, the company shall undertake without delay the communication with the competent entity (the owners of mortgages) to obtain a non-objection letter to transfer the ownership of the salvage of the vehicle to the company.
9. The Company may, at its expense, assume the judicial and settlement proceedings to represent the
Insured or the Motor Vehicle Driver through an attorney in any investigation or interrogation and before any court in any lawsuit or intervention in any phase of the lawsuit in relation to a claim or accident for which the Company may be held liable under this Policy and which may give rise to the payment of compensation according to this Policy. The Company may settle or enter into a reconciliation for such claim. The Insured shall provide every possible cooperation with the Company by signing a power of attorney to the attorney or otherwise to enable the Company to initiate any proceedings.
10. For the purpose of verifying the details of the Insured Motor Vehicle, all details in Schedule (5) of this
Policy shall be an integral part hereof.
11. No lawsuit arising from this Policy may be filed after the elapse of three years after the occurrence
which has given rise to the lawsuit or the related parties become aware of it soccurrence.
12. The courts of the United Arab Emirates shall be competent to determine any disputes arising from this
Policy.
13. In case of the entitlement to the loss of benefit allowance (substitute motor vehicle) and the Affected
Third Party has insurance against loss and damage and Third Party Liability , he shall be entitled, for the purpose of obtaining the loss of benefit allowance (substitute motor vehicle) to claim directly against his company ,which has the right to claim the for same amount paid to the insurance company of the insured ,who caused the accident and has insurance against Third Party Liability in accordance with the rules specified in the Third Party Liability policy.
14. If the motor vehicle “chassis” whether can be replaced or irreplaceable is damaged or the durable parts,
such as pillars are damaged and need cutting, tightening or welding as a result of the accident, the Motor Vehicle shall be considered a Total Loss and the Company shall make compensation according to the value agreed upon between the Company and the Insured in the Insurance policy.

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The Unified Motor Vehicle Insurance Policy Against Loss and Damage IA-BOD-RES 25/2016
Chapter Two: Obligations of the Insurance Company

1. The Company shall compensate the Insured for loss or damage that occurs to the Insured Motor Vehicle
   and its accessories while in the vehicle, including damaged parts and spare parts, in the following cases:
   a. If loss or damage arises from an accidental run-over, collision, turnover, or incident, or as aresult of an unexpected mechanical breakdown or as a result of wear and tear of parts by use; b. If loss or damage arises from an external fire or explosion, spontaneous combustion or lightning;
   c. If loss or damage arises from robbery or theft;
   d. If loss or damage arises from a third party willful act; e. If loss or damage occurs during land transport, inland water transport, elevators or lifting machinery including loading and unloading processes related to the aforementioned transport processes; and f. Any additional coverage to be agreed upon under this Policy or special riders to it.
2. Upon the occurrence of an accident, the Company shall:
   a. Repair the Motor Vehicle or any of its parts, accessories, or spare parts and restore the vehicle to its pre-accident condition. b. Pay the amount of loss or damage in cash to the Insured if this is agreed on with the Insured.
   c. Replace the damaged Motor Vehicle in case of a total loss, unless the Insured requests the Company
   to pay them the amount in cash. In this case, the Company shall respond to the Insured’s request.
3. If the Insured requests that new original parts are to be installed in lieu of the parts damaged during
   the accident or are to be paid for in cash, the Insured will bear the Depreciation Percentage set in
   Schedule (1) of the final value of the purchase invoice. In case of taxi vehicles, public transport vehicles
   and rental vehicles, the Insured will bear the DepreciationPercentage set in Schedule (2).
4. The Insured may assume the repair of damages that occur to the Motor Vehicle as a result of an insured
   accident hereunder, provided that the estimated repair costs do not exceed the value of repair agreed upon in writing with the Company.
5. If the Insured Motor Vehicle is lost, proves to be irreparable, or that costs of repair exceed 50% of the
   Motor Vehicle value before the accident, the insured value of the Motor Vehicle agreed upon between the Insurer and the Insured on signing of the Insurance Policy will be the basis of calculation of the compensation of loss and damage insured hereunder after deduction of the Depreciation Percentage of 20% from the insured value, and taking into account the fraction of insurance period (i.e., the proportion of the period from thecommencement date of the insurance period to the date of the accident to the total insurance period).
6. If the Motor Vehicle becomes unroadworthy due to loss or damage insured hereunder, the Company will
   bear the necessary costs of safeguarding and transporting the Motor Vehicle to the nearest repair shop, in order to deliver it to the Insured after repair.
7. If the damaged Motor Vehicle is repaired with repair shops approved by the Company, the Company
   shall insure that the Motor Vehicle is repaired properly, carefully and professionally and that the work is warranted by the repair shops. The Company shall ensure that the Insured is enabled to have the Motor Vehicle checked by any approved motor vehicle examinatio nagency in the UAE to make sure that the Motor Vehicle has been properly repaired without affecting the technical examination of the damaged Motor Vehicle at the concerned official authorities. If it is found that the repairs are below required and recognized technical standards, the Company shall address the issue(s) with the repair shop until the Motor Vehicle is professionally repaired and delivered to the Insured.
8. In case of any confl ict between the Company and the insured concerning the value of damages or
   the amount of compensation, the Authority shall appoint a licensed and registered Surveyor and Loss Adjuster, specialized in this matter, to determine the value of the damages or the amount of compensation at the Company’s expense for the purpose of resolving the dispute.
9. In the case of the Insured wishes at the time of concluding the contract to repair the motor vehicle inside
   the Agency workshops after the lapse of the first three years of using the motor vehicle on the road, the

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The Unified Motor Vehicle Insurance Policy Against Loss and Damage IA-BOD-RES 25/2016 Insurance Company may respond to the request and the determine an appropriate premium not exceeding the maximum tariff limit.
Chapter Three: Obligations of the Insured

1. To pay the Agreed upon Premium.
2. All reasonable precautions must be taken to keep and protect the Insured Motor Vehicle fromloss or
   damage and maintain the same in a good working condition. In case of any accident or breakdown of the Motor Vehicle, the Insured may not leave the Insured Motor Vehicle or any part thereof without taking necessary precautions to prevent the aggravation of damages. If the Insured Motor Vehicle is driven before making necessary repairs by the Insured or the Motor Vehicle Driver, every increase of damage or every damage to the Insured Motor Vehicle arising from the same will not be the responsibility of the Company pursuant to this Policy.
3. The Insured shall remain the sole owner of the Insured Motor Vehicle throughout the Insurance Period,
   and may not lease the vehicle to any third party or sign any contract which may restrict their absolute ownership and possession of the Motor Vehicle without the prior written consent of the Company.
4. In case of any accident which may give rise to a claim according to the provisions of this Policy, the
   Insured shall immediately notify the concerned official authorities, and shall promptly notify the Insurer and furnish all information related to the accident without unjustifiable delay. The Insured shall furnish the Insurer as soon as possible for every claim, notice or judicial papers once they receive them.
5. The Company shall be notified as soon as practically possible once they become aware of any lawsuit,
   investigation or detections concerning the accident. In case of theft or any other criminal act which may give rise to a claim according to this Policy, the Insured shall notify the police and the Company promptly and as soon as practically possible and cooperate with theCompany in this respect.
6. The Insurer may charge the Insured that has caused the accident with a deductible amount to be deducted
   from the due amount of compensation due with respect to any accident which is caused by them personally or by the person authorized by them to drive the Motor Vehicle or cases that are deemed committed by an unknown person, according to Schedule (3).
7. In addition to the deductible amounts set in Schedule (3), the Insured may charge the Insured who caused
   an accident an additional deductible as follows:
   a. Maximum 10% of the amount of compensation if the Motor Vehicle Driver is below the age of 25 years. b. Maximum 10% of the amount of compensation in case of taxi and public transport vehicles.
   c. Maximum 15% of the amount of compensation of sports cars and modified vehicles.
   d. Maximum 20% of the amount of compensation of vehicles modified outside the factory. e. Maximum 20% of the amount of compensation of rental vehicles.
8. For application of paragraph (7) of this Chapter, application of Deductible Percentages shall apply the
   highest percentage in the case of several deductibles for one accident.
9. In case of Total Loss of the Motor Vehicle, the Deductible Percentages shall not be applied.
   Chapter Four: Exclusions
   The Company will not pay any compensation for the following issues:
10. Indirect losses that occur to the Insured or devaluation of the Motor Vehicle as a result of its use,
    breakdown, defect or breakage of the mechanical or electrical devices.
11. The damage arising as a result of overload or excess of the limits of permissible width, length or height
    or the excess of the number of passengers beyond the licensed number, provided that it is proved that this is the proximate cause of damage.

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The Unified Motor Vehicle Insurance Policy Against Loss and Damage IA-BOD-RES 25/2016
3. The damage of tires if it does not occur at the same time as damage to the Insured Motor Vehicle.
4. The loss or damage which occurs to the Motor Vehicle with respect to accidents resulting from:
a. Use of the Motor Vehicle for purposes other than those mentioned in the Insurance Application attached to this Policy. b. Violation of laws if the violation implies an intentional felony or misdemeanor according to the definition mentioned in the applicable Federal Penal Code.
5. If it is proven that the Motor Vehicle has been used or utilized in a speed race or test, provided that this
is proved to be the proximate cause of the accident.
6. The damage to the Motor Vehicle from the accidents which occur during the Motor Vehicle being
operated by a driver who is not licensed to drive according to the Traffic Laws or without obtaining a driving license for the kind of the Motor Vehicle according to the Traffic Laws and Regulations and the provisions of this Policy, or the driver holding an expired Driver’s License who fails to renew it with in thirty days from the date of the accident, or the license granted to them has been suspended by the court or competent authorities or according to the Traffic Regulations. This exclusion shall not apply in case the motor vehicle is intended for rental, as long as the leasing contract is concluded with a person who holds a valid driving license.
7. Loss or damage that occurs to the Motor Vehicle, or any part thereof, with respect to accidents while
the Motor Vehicle is being driven under the infl uence of narcotics, alcohol or drugs that undermine the driver’s ability to control the Motor Vehicle if this is proven to the competent authorities or confessed by the Motor Vehicle Driver. This exclusion does not apply in case of rental vehicles.
8. Loss or damage that occurs to the Motor Vehicle outside the geographical territory set out in this Policy,
unless a rider is issued to extend coverage to this territory.
9. The accidents that have occurred, caused, resulted or are related directly or indirectly to natural disasters
such as fl oods, tornados, hurricanes, volcanoes, earthquakes and quakes.
10. Invasion, foreign enemy hostilities or warlike operations, whether war is declared or not, civil war, strike,
civil commotion, insurrection, revolution, coup d’état, usurped power, confiscation, nationalization, radioactive substances and radioisotopes, atomic or nuclear explosions, or any factor directly or indirectly related to any of the foregoing causes.
11. Loss or damage that occurs to the Insured Motor Vehicle if the Company loses the right of subrogation
to the damage causer due to the Insured’s declaration of being responsible for the accident, which they have not caused. If this is proven after payment of compensation to the Insured, the Company may have recourse to it for recovery of amounts paid to them.
12. Loss or damage that occurs to the Motor Vehicle off the road, as defined, unless a rider is issued extending
coverage to drive outside the road.
Chapter Five: Recourses against the Insured
The Company may have recourse to the Insured or the Motor Vehicle Driver or both, as the case may be, in the amount of compensation paid in the following cases:

1. If it is proven that the insurance was concluded based upon the Insured’s misrepresentation and non￾disclosure of material facts that aff ect the acceptance by the Company to cover the risks or insurance
   rate.
2. If following payment of compensation, it is proven that the Motor Vehicle was used for purposes other than
   those set out in the Insurance Application attached to this Policy, or the maximum number of passengers was exceeded, or the Motor Vehicle was overloaded, or its loading was not secured correctly or exceeds the limits of permissible width, length or height, provided that this is proven to be the proximate cause of the accident.
3. If following payment of the compensation it is proven that there is a violation of the law, if the violation
   involves a willful felony or misdemeanor, as defined in the UAE’s applicable penal code.

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The Unified Motor Vehicle Insurance Policy Against Loss and Damage IA-BOD-RES 25/2016
4. If it is proven that loss or damage that occurred to the Motor Vehicle, or any part thereof, arose from
driving the motor vehicle by a person who is not authorized to drive in accordance with the Traffic Law or without obtaining a driving license, or his driving license has expired, or the Insured or any other person allowed to drive it is driving under the infl uence of narcotics, alcohol or drugs that undermine the driver’s ability to control the Motor Vehicle, if this is proven to the concerned authorities or confessed by the Motor Vehicle Driver. In case of rental vehicles, recourse will be against the Motor Vehicle Driver (renter).
5. If the accident is proven to have occurred intentionally by the Insured or the Motor VehicleDriver.
6. If the trailer, half-trailer or semi-trailer causes an accident, and the Insured has not agreed with the
Company on the existence of such a trailer.
7. If loss or damage that occurs to the Motor Vehicle is a result of theft or robbery, recourse will be against
the thief.
Chapter Six: Policy Termination

1. The Company may terminate this Policy on the condition that there are serious grounds for termination
   during the Policy Period by a notice in writing to be sent to the Insured via e-mail, facsimile, hand delivery or registered letter thirty days prior to the fixed date of termination to the latest address of the Insured known by the Company. The Insurance Authority shall be advised of the grounds of such termination. In this case, the Company shall refund to the Insured the paid premium after deducting a portion in proportion to the period during which the Policy has remained in eff ect.
2. The Insured may terminate this Policy by a notice in writing to be sent to the Company via e-mail,
   facsimile, hand delivery or registered letter seven days prior to the fixed date of termination. In this case, the Company shall refund to the Insured the paid premium after deducting a portion in proportion to the period during which the Policy has remained in effect subject to the Short Rate Schedule No. (4), provided that there is no compensation paid to the Insured or pending claims in relation to this Policy during the period of time the Policy is valid, if the Insured has caused the accident or in cases that are deemed committed by unknown persons.
3. This Policy shall be considered terminated in case of a total loss to the Motor Vehicle, provided that
   its registration is deleted with a report issued by the Road and Traffic Department confirming that it is unroadworthy, and the Company shall compensate theInsured according to the provisions of this Policy.
   Schedule No. (1)
   Depreciation Percentages, Except for Taxi Vehicles, Public Transport Vehicles and Rental Vehicles, According to the Date of First Registration and Use Year Percentage First - Second 5% Third 10% Fourth 15% Fifth 20% Sixth and above 30%

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The Unified Motor Vehicle Insurance Policy Against Loss and Damage IA-BOD-RES 25/2016
Schedule No. (2)
Depreciation Percentages for Taxi Vehicles, Public Transport Vehicles and Rental Vehicles According to the Date of First Registration and Use Year Percentage Last six months of the first year 10% Second 20% Third 25% Fourth 30% Fifth 35% Sixth and above 40%
Schedule No. (3)
Deductibles
Motor Vehicle Deductible
Private vehicles where the permissible number of passengers of which does not exceed (9) passengers and its value does not exceed AED 50,000 Maximum AED 350/per each accident Private vehicles where the permissible number of passengers of which does not exceed (9) passengers and value of which exceeds AED 50,000 and not exceeding AED 100,000 Maximum AED 700/per each accident Private vehicles where the permissible number of passengers of which does not exceed (9) passengers and value of which exceeds AED 100,000 and not exceeding AED 250,000 Maximum AED 1,000/per each accident Private vehicles where the permissible number of passengers of which does not exceed (9) passengers and value of which exceeds AED 250,000 Maximum AED 1,200/per each accident Private vehicles where the permissible number of passengers of which does not exceed (9) passengers and value of which exceeds AED 500,000 Maximum AED 1,400/per each accident Private vehicles where the permissible number of passengers of which exceeds (9) passengers does notexceed AED (12) passengers Maximum AED 1,500/per each accident Private vehicles the permissible number of passengers of which exceeds (12) passengers, rental vehicles, and trucks where the tonnage of which exceeds (3) tons Maximum AED 1,700/per each accident Trucks where the tonnage of which exceeds (3) tons and passenger buses and industrial vehicles for construction and agricultural works Maximum AED 4,500/per each accident

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The Unified Motor Vehicle Insurance Policy Against Loss and Damage IA-BOD-RES 25/2016
Schedule No. (4)
Short Rate Schedule - Percentages of Recoverable Premium Policy Validity Period Recoverable Premium A period not exceeding one month 80% A period exceeding one month and not exceeding fourmonths 70% A period exceeding four months and not exceeding sixmonths 50% A period exceeding six months and not exceeding tenmonths 30% A period exceeding ten months Nil
Schedule No. (5)
Schedule of Details of the Insured Motor Vehicle in the Insurance Policy against
Loss and Damage
Details of Motor Vehicle
Country of
Manufacture
Plate
Number
Make, Model and Color
Motor Vehicle
Classification
Registration
Type
Purpose of use
Manufacturing
Year
Tonnage or Weight
Number of
Passengers with
Driver
Engine Number: Chassis Number:
……………………….. Company declares that the Motor Vehicle detailed above in this Schedule is insured with it according to the provisions of this Policy. Issued By: Issuance Date:
Policy Number:
The term of insurance begins at …………. on …/…/….., and expires at …………. on…/…/….. Agreed upon premium: Issuance date: …/…/….. Insured’s Details Company’s Details Insured’s: Company’s:
Name Name
Address: Address:
E-mail: E-mail:
Postal: Postal:

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The Unified Motor Vehicle Insurance Policy Against Loss and Damage IA-BOD-RES 25/2016 Address Address Identification Number Phone: Phone:
Name and signature of the Insured or their representative: Signature and stamp of the Company:
Motor Vehicle Insurance Application
Applicant’s Details
Name according to ID First Second Third Family Name Date of Birth / / P.O. Box ID Number E-mail Postal Code Home Phone Office Phone Mobile Address/Emirate Profession Employer Driving License Number Expiration Date Trade Name (if any) Commercial Register Number Head Office Insurance Service Details Registration Mark Truck Small Truck Large Truck Other Model/Use Private Commercial Rental Driving Education Other Body Number Engine Number Chassis Number Engine Capacity(CC) No. of Passengers Manufacturing Year Current Value without Accessories Current Value, including Accessories (to be elaborated) Insurance Period Insurance Type Insured/Representative Signature /Stamp: Insurance Authority/ Insurance Authority - Unified Motor Vehicle Insurance Policy Against Loss and Damage