the insurance against loss or damage by fire transferred to itself. The premium, at the rate of one shilling and sixpence per cent on their value, is fifteen shillings. Upon receipt of this sum I will give immediate instructions for a policy to be issued and forwarded to you.

   I am, dear Sir, yours faithfully,

    D. Smith

   , Secy.,

   The Vesuvius Fire Insurance Co., Ltd

    H. Jones

   , Esq.

   Dear Sir,—In reply to your letter of yesterday, I find that I have an unexpired policy for £1,000 with the Etna, an office which has enjoyed my confidence for many years and in which I have other insurances. Under this policy I am held covered till Lady Day not only against fire, but also against lightning, explosions of gas—most things, in fact, except riots, earthquakes, the King's enemies, aeroplanes and volcanoes. Regretting, therefore, that I am unable to give you the business, because of the more extensive benefits conferred by the Etna.

   I am, yours faithfully,

   The Secy.,

    Hy. Jones

   .

   The Vesuvius Insce. Co.

   Dear Sir,—I am in receipt of your letter, but I would beg to refer you to your lease. You will find it there expressly stipulated that you shall insure in some office of repute in London or Westminster

    to be approved of in writing by the Lessors

   . In these circumstances you will no doubt be persuaded of the desirability of sending me the premium forthwith, in order to effect an insurance which has your Lessors' approval. It is possible that the office you name would give you credit for so much of the premium as is proportionate to the risk unexpired.

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