Court decisions vary considerably in interpreting the meaning of riot and civil commotion
, which in turn has affected the scope and limitations of insurance coverage.
War Risk insurance is not just about bombs and missiles flying and does not require a formal declaration of war but includes many other perils such as rebellion, insurrection, derelict mines and torpedos strikes, civil commotion
, confiscation, restraint and detainment by a ruling power.
b) Mutiny, Civil Commotion
, assuming the proportions of or amounting to popular-rising, Military-rising, Insurrection, Rebellion, revolution, Military or Usurp-power, Martial-law, or State of Siege.
WHEN COMPENSATION IS NOT PAYABLE ON A TRAIN | Acts or threats of vandalism or terrorism | Suicides or accidents involving trespassers | Gas leaks or fires in lineside buildings not caused by a train company | Line closures at the request of the police or emergency services | Exceptionally severe weather conditions | Industrial action | Riots or civil commotion
| FIre, mechanical or electrical failure or a defect (except where caused by a train company or its trains' defects) WHAT DO THE ANNOUNCEMENTS/ EXCUSES FOR DELAYS MEAN?
The same insurers often will provide ancillary services, such as contacting the policyholder about the growing risk of civil commotion
in a country or an imminent storm that is en route.
As insurance executives confirm, passing interests in the newer lines of business -- whether insurances in case of riots and civil commotion
or unrest (which are types of property covers), kidnap and ransom policies, or liability insurance for directors and officers of companies -- are specialties that do not gain more than fleeting demand in Lebanese and regional markets.
Fire, storm, flood, lightning, earthquake, subsidence, landslip, impact, explosion, burst pipes, escape of water, escape of oil, aircraft and other aerial devices, riot, civil commotion
The society shall ensure and keep insured the entire building for the replacement value thereof against the risk of fire, civil commotion
, riots, earthquake, bomb blast and the premium paid thereon shall be recovered from the unit holder.
Users can also view ratings of business risk broken into subcategories: terrorism and sabotage; riots, strikes, civil commotion
, and malicious damage to property; and insurrection, revolution, rebellion, mutiny, coup d'etat, civil war, and war.
In 1916, civil commotion
took place in the northern regions of Kyrgyzstan leading to the tragic deaths of many innocent people.
The Act only applies to a riot and does not apply to damage caused by civil commotion
, strikes or political disturbances, which are covered as standard under most household and business insurance policies," the ABI said.
The Insurance Federation of Egypt stepped in to clear up confusion when it directed insurers to consider the events falling under the coverage of Riot, Civil Commotion
and Strike Perils.