Churches, chapels and their equivalents, halls, Sunday school buildings, etc. As sums insured are not easy to assess, the fire policies covering these properties are made subject to the special condition of average. The Ecclesiastical Dilapidations Measures 1923 oblige the Church Commissioners to insure property, including the parsonage house, belonging to the benefice.

A co-insurance economy measure whereby the full specification of the property insured is set out in, or attached to, the policy of the leading insurer only. The policies of the co-insurers are worded to cover the relevant proportions of the property as set out in the leading company’s policy or specification.
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Where, in fire insurance, co-insurers issue separate policies the full specifications may be included only in the policy of the leading insurer, other policies containing an outline only, as a measure of economy.