Additional Expenses of Rent for an Alternative Accommodation is covered in respect of non-manufacturing risks under material damage policy only and not under Consequential Loss (Fire) policy. The period of indemnity is limited during which the original premises remain untenable as a result of occurrence of perils insured against subject to a maximum indemnity period not to exceeding 3 years. The additional expenses recoverable means the additional rent actually paid i.e., the difference between the new and the original rent paid. Insurance for this extension is available only if it involves actual physical damage to the building. The cover does not intend to pay if for instance the insured’s entry is barred by strikers, demonstrators and similar occurrences. Cover is permitted to tenant as also to the Owner-occupant. For owner-occupant the alternative accommodation is limited to the area under his occupation. For the owner-occupant the notional rent rateable by Municipal/Revenue may be treated as the original rent for the purpose of this clause. Owner-occupant to cover both building and contents whereas the tenant to insure the contents of the premises for which seeking this extension.