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While Subsidence means sinking of land or building to a lower level, Landslide means sliding down of land usually on a hill.However, regular cracking, settlement or bedding down of recent buildings; settlement or motion of made up ground; coastal or river erosion; defective design or workmanship or use of defective supplies; and demolition, building, structural alterations or repair of any property or floor-works or excavations, are not lined. Section 64-VB only lays down broadly that the insurer can not assume threat prior to the date of receipt of premium. The date of conclusion of a contract of insurance is issuance of the policy is different from the acceptance or assumption of risk. Precisely, due to this fact the Apex Court has said that last acceptance is that of the assured or the insurer depends simply on the best way during which negotiations for insurance coverage have progressed. INSURABLE INTERESTA particular person who is so serious about a property as to have benefit from its existence and prejudice by its destruction is said to have insurable curiosity in that property. The interest within the property should exist both at the inception as well as at the time of loss. AIRCRAFT Damage: The loss or damage to property (by fire or in any other case) immediately brought on by aircraft and other aerial units and/ or articles dropped there from is coated

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