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It is agreed and understood that otherwise to the terms, exclusions, provisions and conditions contained in the policy or endorsed thereon and subject to the Insured having paid the agreed extra premium, the Third Party Liability cover of the Policy shall apply to the Insured parties named in the schedule as if a separate policy had been issued to each party, provided that the Insurers shall not indemnify the insured under this Endorsement in respect of liability for:

  • –         loss of or damage to items insured or insurable under section 1 of the Policy, event if not recoverable due to an excess or any limit,
  • –         fatal or non-fatal injury or illness of employees or workmen who are or could have been insured under Workmen’s compensation and/or Employer’s Liability insurance.

The Insurer’s total liability in respect of the insured parties shall not however exceed in the aggregate for any one accident or series of accidents arising out of one event the limit of indemnity stated in the schedule.

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