аЯрЁБс>ўџ >@ўџџџ=џџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџџьЅС7 јПиbjbjUU .27|7|иџџџџџџlўўўўўўў„ „ „ „  ,ЖШ о о о о о о о šœœœœœœ$б ёіРўо о о о о Рўўо о ео Оўо ўо šо š”šўўšо М p`7ЖЧr „ œjššы0šччšўўўўйSAMPLE LETTER (6) TO LANDLORD/PROPERTY OWNER WHO IS PROPOSING TO SITE A MAST AND BE PAID RENT Dear Sir, We are particularly concerned about your vulnerability, as Landlord of a property which is likely to house equipment for which you would be paid a substantial yearly rental, and the validity of your insurance, should claims be made against you by local residents to compensate against possible health issues, and/or the devaluation of their property. Our worries are reinforced by underwriters for Lloyds of London and other insurers announcement not to cover claims made by consumers or workers against the mobile telephone industry. (See attached). At the Public Meeting in Sutton Coldfield held on 20th June 2003, one of the guest speakers said, “I do know of one case because I am involved in it where 5 houses – are suing a farmer who put a transmitter at the bottom of his farm. They are suing him for in excess of 5 million pounds for loss of value to their properties”. I am led to believe that several similar litigations are in progress in which land/property owners have been held responsible. There are other incidents of legal action being taken. A more recent court case (May 2003) has resulted in compensation being paid out. Compensation claims could be quite considerable in the area, given the density of populated households in your immediate vicinity and their high real estate values. I hope this information is of use to you. Yours faithfully, Joe Bloggs IN THE UK (Source: Observer Newspaper, 11.04.99 report by Sarah Ryle, Consumer Affairs correspondent) Lloyds of London underwriters Stirling Group announced that they will no longer insure the mobile phone industry against the health of their workers or consumers. The firm cited the striking resemblance between the development of the asbestos and tobacco health issues. (Source: Google Search March 2003) revealed EU and Dutch Government investigations into health dangers caused by EMF’s coincided with underwriters for Lloyds of London refusing to cover cell-phone companies against consumers and workers health. IN SPAIN EXCLUSION CLAUSES IN INSURANCE POLICY: ROYAL & SUN ALLIANCE, S.A. MADRID COME TO LIGHT TO ASSERT THAT THE ACTIVITIES OF TELEPHONE COMPANIES CONSTITUTE A BAD HEALTH RISK Clause (19) of the insurance policy subscribed by Airtel (known also as VODAFONE) excludes any legal responsibilities with regard to “personal damages, illness, disability of any type, death, mental illness, anguish, mental or physical pain, mental deterioration or mental or physical disorder or any mental or physical disability or symptoms caused or said to have been caused by or attributed to the continuous use of mobile telephones”. In this clause it is clearly ecognized by the insurance companies that the radiation emitted by the mobile telephone is a BAD RISK FACTOR and are not prepared to cover in their policy. This is totally unacceptable. Politicians and law makers should remember that this situation can eventually cause our social security system to collapse as hospitals will not be able to cope with the demands for treatment of the various sorts of diseases which are now beginning to crop up due to the activities of these telephone companies. (Source: Miguel Muntane Condeminas, Barcelona Industrial Engineer E.T.S.E.I.B. General Manager, Consulting Comunicacio I Disseny S.L. 17.04.01.) IN SWITZERLAND Recently the giant Insurance group Swiss Re stated in their publication Electro-Smog A Phantom Risk, that on the basis of today’s present knowledge alone it must be expected that a EMF claim would succeed. This view has been supported by the recent exit from the re-insurance market of Scandinavia’s biggest insurance group, Skandia. They cite reducing exposure (sic.) to potential EMF claims as being one of the reasons. IN AUSTRALIA Mercantile Mutual cites possible property owner liability As reported in the Australian, July 4th 1997, Mercantile Mutual, a leading insurance company, has cited the potential dangers of electromagnetic radiation as part of its opposition to stop the construction of a mobile phone base station on one of its properties. The stand by Mercantile Mutual raises the question on the potential for future liability of property owners who give permission for telecommunications base stations to be operated on their property. In a letter to Vodafone, who planned to erect a tower on the roof of one of Mercantile Mutual’s Sydney offices, located in a densely populated area, the insurance company said, “there is an increasing body of scientific and medical evidence of the risk to health posed by exposure to emissions from telecommunications base stations.” “Accordingly, in view of the potential health risks, the location of a base station on the property would expose an unacceptably large number of people to electromagnetic energy and emissions” “The risk to health may expose us as owners of the property to liability for injury to persons who are or who are alleged to have been exposed to emissions from the base station. The amount of such claims is impossible to calculate.” (Source: NSW Public Interest Advocacy Centre, Legal Clearing House for public interest legal matters - reported Australian 04.07.97) Statement made by the Following leading Insurance Bodies to land/property owners on which masts are located Association of British Insurers – 0207 600 3333  HYPERLINK "http://www.ABI.ORG.UK" www.ABI.ORG.UK General Insurance Standards Council – 0845 601 2857 Financial Insurance Ombudsman – 0845 080 1800 Check the original contract between yourself (land/property owner) and the mobile phone operator. Does it cover you for unlimited indemnity? Do not automatically assume that your own public liability insurance covers you for claims made by your local community for affects to their health and devaluation of their property Check your own policy and its small print and ask your insurers or your legal advisor. 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