40.14  Terms and Conditions that become Unavailable

If, upon the renewal of any Required Insurance:

(a)  any Insurance Term is not available to the Service Provider in the worldwide insurance market with reputable insurers of good standing; and/or

(b)  the insurance premium payable for insurance incorporating such Insurance Term is such that the Insurance Term is not generally being incorporated in insurance procured in the worldwide insurance market with reputable insurers of good standing by Service Providers in the United Kingdom,

other than, in each case, by reason of one or more actions of the Service Provider and/or any sub-contractor of the Service Provider then clause 40.15 shall apply.