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If the period of limitation relating to the giving of notice of cancellation is prohibited or made void by any law controlling the construction thereof, such period shall be deemed to be amended so as to be equal to the maximum period of notice of cancellation permitted by such law. 5. Changes: The terms of this policy can only be changed by an endorsement issued with approval of the Insurer and forming part of this policy. 6. Civil Authority: Notwithstanding anything contained in this policy, it is understood and agreed that this policy also covers against the risk of damage or destruction by civil authority during a conflagration and for the purpose of retarding the same; provided that neither such conflagration nor such damage or destruction is caused or contributed to by war, invasion, revolution, rebellion, insurrection or other hostilities or warlike operations. 7. Collection from Others: No loss shall be paid hereunder if the Insured has collected the same from others. However, when the Insured purchases coverage from a transporting carrier to cove the Insured's deductible, this will be considered special insurance and therefore not be subject to this clause. 8. Each Insurer: The interest of each Insurer hereunder is individual and not joint, and whenever the right or privilege is retained by the Insurers, such right or privilege may be exercised by each Insurer independently. 9. Examination Under Oath: The Insured shall submit, and so far as is within his or their power, shall cause all other persons interested in the property and members of the household and employees to submit to examinations under oath by any persons named by the Insurer, relative to any and all matters in connection with a claim and subscribe the same; and produce for examination all books of account, bills, invoices, and other vouchers or certified copies thereof if originals be lost, at such reasonable time and place as may be designated by the Insurer or its representatives, and shall permit extracts and copies thereof to be made. 10. Excess Insurance: Permission is granted to the Insured to purchase excess insurance without prejudice to this Policy, nor shall the existence of such insurance, if any, reduce or affect the Insurers' liability under this Policy. 11. Liberalization Clause: If a revision of this policy form which would broaden coverage without an additional premium is adopted during this policy period, or within 6 (six) months before Fine Art coverage is effective, the broadened coverage will apply. 12. Loss Buy Back: The Insured shall have the right to repurchase from the Insurer property of the Insured that is recovered for the amount paid to the Insured for the loss, plus an amount which represents loss adjustment and recovery expenses. Damaged property of the Insured, for which a total loss has been paid, may be re -purchased by the Insured at its fair market value at the time of loss. The Insurer agrees to notify the Insured by mail at the last known address of the right to repurchase damaged or recovered property and the Insured shall have sixty (60) days from date of such notice to exercise the repurchase right. 13. Misrepresentation and Fraud: This Policy shall be void if the Insured has intentionally concealed or misrepresented any material fact or circumstance concerning this insurance or the subject thereof, or in case of any fraud, attempted fraud or false swearing by the Insured touching any matter relating to this insurance, or the subject thereof, whether before or after a loss. 14. No Benefit to Bailee: This insurance shall in no way inure directly or indirectly to the benefit of any carrier or other bailee. 15. Notice of Loss: In the event of loss or damage which may give rise to a claim under this insurance, notice is to be given to the Insurer as soon as is reasonably possible, and to the police if a crime is suspected. The Insured shall also file with the Insurer or its agent within ninety (90) days from the date of loss, a detailed EX11POL0810 4OF5