Are you in recess from May to September?

In the event that your premises are unoccupied/no regular meetings are being held, you must ensure that you are complying with the unoccupied premises condition, which is included on your policy schedule –

Unoccupied Premises

In the event of any buildings becoming unoccupied, cover will be restricted to damage caused by fire, lightning, explosion, earthquake, impact by aircraft or other aerial devices, impact by any vehicle or articles falling from them or impact by animals.

In respect of unoccupied buildings it is a condition precedent to our liability in respect of those buildings and the restricted cover applicable that within 30 days of you first becoming aware of the unoccupancy;

a) the gas, electricity, excluding power required for an intruder alarm or fire alarm system and water supplies are turned off at the mains and any water pipes, apparatus and tanks are drained down.

b) any devices for preventing access to the building are in full and effective operation at all times.

c) the premises are clear of any waste material and redundant contents.

d) any accessible windows and doors are securely boarded over.

e) the letterbox is permanently sealed shut or a non-combustible receptacle be permanently fitted to the letterbox.

f) you have commenced a minimum of weekly inspections of the premises by a responsible person and a record of the results of such inspections is kept at another location. You must take immediate action to remedy any deterioration in the fabric of the building or non-compliance with a) to e) unless otherwise agreed by us in writing.