A term used in insurance for the portion of the contract which contains information such as the name and address of the Insured, the property Insured, its location and description, the policy period, the amount of insurance coverage, applicable premiums, and supplemental representations by the Insured, the types of coverage you have elected; the limit for each coverage; the cost for each coverage; the specified vehicles covered by the policy; the types of coverage for each vehicle covered by the policy; and other information applicable to the policy.

Any form of insurance which is required by law.

Each and every occurrence

A number of days, usually 30, may be allowed after the expiry date of the insurance, during which the renewal premium may be paid and renewal effected.

Comprehensive insurance reimburses you for damage to your car and also covers your legal liability to third parties for property damage and bodily injury.

The date upon which a policy will end.

A common law duty on the part of a proposer for insurance to disclose to the insurer all material facts; that is, all facts that would influence a prudent insurer in deciding whether to grant the insurance and, if so, on what terms.

The original Insured has no legal rights under the contract between the Insurer and his reinsurer. The Cut Through Clause is a condition which guarantees payment to the original Insured even though he is not a party to the reinsurance contract between the Insurer and the reinsurer.

A carrier who agrees to carry any goods. A carrier who refuses to carry certain types of goods, mainly for safety reasons, is not a common carrier.

The past claims experience of the Insured.