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The following free
information describes the essentials of insurance. Naturally, the Membership
Subcription Service is far more comprehensive. If you have any questions,
refer to Legal
Help or Contact
Us.
Introduction
& Policy Structure
- The policy title
- The recital clause
- The operative clause
- The policy schedule
- Exclusions
- Conditions
- Warranties and
endorsements
Contracts
of Insurance
- Contracts generally
- Comparison with
other law
- Contracts of insurance
Personal
Insurance
- Motor vehicle
- Home and contents
- Personal property
/ tools of trade
- Pleasure (water)
craft
Business
Insurance
- Industrial special
risks ("ISR")
- Fire & perils
- Theft, money &
glass
- Engineering (breakdown)
- Accidental damage
/ goods in transit
- Fidelity guarantee
- Construction &
erection
- Commercial motor
vehicle
- Liability policies
- Special policies
What
triggers a claim
- An insured event
- Proximate cause
- Insurable interest
- Proof of loss /
damage
- Contribution
The
Insurance Contracts Act
- Administration
of the Act
- Exceptions to its
application
- No contracting
out of the Act
- Contracts of insurance
- Variation of insurance
contracts
- Insurable interest
- Standard cover
- Notification of
unusual terms
- Interim contracts
of insurance
- Average provisions
- Other insurance
provisions
- Pre-existing defects
or imperfections
- Rights of a third
party to recover against an insurer
- Subrogation
- Reasons for cancellation
to be given
Good
Faith & Disclosure
- All parties' duty
of utmost good faith
- The insured's duty
of disclosure
Fraud
- Prejudice to an
insurer generally
- Fraud by an insured
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