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upon surrender of this certificate ,which conveys the right of collecting any such loss as fully as if the property were covered by a special policy direct to the holder hereof ,and free from any liability for unpaid premiums.this certificate is subject to all the terms of the open policy,provided,however,that the right of a bona fide holder of this certificate for value shall not be prejudiced by any terms of the open policy which are in conflict with the terms of this certificate.
unless otherwise indicated in this box:this insurance covers against all risk of physical loss or damage from any external cause irrespective of percentage .excluding the risks excepted by the F.C.&S.(free of capture and seizure)warranty and the S.R.&C.C.(srtikes.riots and civil commotions )warranty incorporated herein.