REPORT OF THE SUPERINTENDENT sCHE1)I LE.

(SECTIONS 3 AND 6.) STATUTORY ((INDITIONS.

1. If any person or persons injures his or their buildings or goods and causes the same to be described otherwise than as they really are, to the prejudice of the company, or misrepresents or omits to communicate any circumstance which is material to be made known to the company in order to enable it to judge of the risk it undertakes, such insurance shall be of no force in respect to the property in regard to which the misrepresentation or omission is made.

2. After application for insurance-, it shall be deemed that any policy sent to the insured is intended to be in accordance with the terms of the application, unless the company points out in writing the particulars wherein the policy differs from the application.

3. Any change material to the risk, and within the control or knowledge of the assured, shall avoid the policy as to the part affected thereby, unless the change is promptly notified in writing to the company or its local agent ; and the company when so notified may return the premium for the unexpired period and cancel the policy, or may demand in writing an additional premium, which the assured shall, if he desires the continuance of the policy, forthwith pay to the company ; and if the neglects to make such payment forthwith after receiving such demand, the policy shall be no longer in force.

4. If the property insured is assigned without a written permission endorsed hereon by an agent of the company duly authorized for such purpose, the policy shall thereby become void ; but this condition does not apply to change of title by succession, or by the operation of the law, or by reason of death.

.;. When property insured is only partially damaged no abandonment of the sauce will be allowed unless by the consent of the company or its agent ; and in case of the removal of property to escape conflagration, the company will contribute to the loss and expenses attending such act of salvage proportionately to the respective interests of the company or companies and the assured.

6. NIouey, books of account, securities for money, and evidences of debt or title are not insured.

7. Plate, plate glass, platedware, jewellery, medals, paintings, sculptures, curiosities, scientific and musical instruments, bullion, works of art, articles of virtu, frescoes, clocks, watches, trinkets, and mirrors are not insured unless mentioned in the policy.

3. The company is not liable for loss if there is any prior insurance in any other company, unless the company's assent thereto appears herein or is endorsed hereon, nor if any subsequent insurance is effected in any other company, unless and until the company assents thereto, or unless the company does not dissent in writing within two weeks after receiving written notice of the intention or desire to effect the subsequent insurance, or does not dissent in writing after that time and before the subsequent or further insurance is effected.

9. In the event of any other insurance on the property herein described having been assented to as aforesaid, then this company shall if such other insurance remains in force, on the happening of any lose or damage, only he liable for the payment of a ratable proportion of such loss or damage with-out reference to the dates of the different policies.

10. The company is not liable for the losses following, that is to say :

(a.) For loss of property owned by any other party than the assured, unless the interest of the assured is stated in or upon the policy.

(h.) For loss caused by invasion, insurrection, riot, civil comn.otion, military or usurped power.

(t.) When the insurance is upon buildings or their contents—for loss caused by the want of good and substantial brick or stone chimneys, or by ashes or embers being deposited, with the knowledge and consent of the assured, in wooden vessels ; or by stoves or stovepipes being to the knowledge of the assured in an unsafe cou,litiou or improperly secured.

(d.) For loss or damage to goods destroyed or damaged while undergoing any process in or by which the application of tire heat is necessary.

(t.) For loss or damage occurring to buildings or their contents while the buildings are being repaired by carpenters, joiners, plasterers or other workmen, and in consequence thereof, unless per-mission to execute such repairs has been previously granted in writing, signed by a duly authorized agent of the comp anv. But in dwelling-houses, fifteen days are allowed in each year for incidental repairs, without such permission.

(f-1 For loss or damages occurring while petroleum, rock, earth or coal oil, camphene, gasoline, burning fluid, benzine, naphtha, or any liquid products thereof, or any of their constituent parts (refined coal oil for lighting purposes only, not exceeding twenty gallons in quantity. or lubricating oil not being crude petroleum nor oil of less specific gravity than required by law, for illuminating purposes, not exceeding twenty gallons in quantity, excepted), or more than twenty-five pounds weight of gunpowder is or are stored or kept in the building insured or containing the property insured. unless permission is given in writing by the company.

11. The company will make good loss caused by the explosion of coal gas in a building not form-

ing part of gas works, and loss by fire caused by any other explosion or by lightning.

12. Proof of loss must be made by the assured, although the loss be payable to a third party.

13. Any person entitled to stake a claim under this policy is to observe the following directions :—(a.) He is forthwith after loss to give notice in writing to the company.

(h.) He is to deliver as soon afterwards as practicable, as particular an account of the loss as the nature of the case permits.

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