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1 Our agreement in general

1.1 Parties to this agreement
This policy is between the insured and the insurer as declared in the schedule. This
document, together with its schedule and any attached endorsements is the policy which
sets out this insurance. It is a legal contract so please read all of it carefully.

1.2 Words in bold
Words in bold typeface used in this policy document, other than in the headings, have
specific meanings attached to them as set out in the General definitions and interpretation.

1.3 Policy structure

1.3.1 The insured sections set out the scope of main coverage and the circumstances in which
the insurer’s liability to the insured is limited or may be excluded. Further, each insured
section sets out other terms and conditions. The cover by each insured section is only
operative if stated as ‘insured’ in the schedule. Where any schedule heading or sub-
heading states ‘n/a’, ‘not applicable’ or ‘not insured’ then no cover applies for that item.
1.3.2 Additional clauses set out terms, exclusions or limitations that may apply to more than one
insured section.
1.3.3 The following general terms apply to all insured sections, clauses and endorsements:
a) claims handling terms and conditions;
b) general terms and conditions;
c) general definitions and interpretations; and
d) complaints.

1.4 Period of insurance and premium

1.4.1 The policy will provide insurance as described herein for the period of insurance provided
the premium and other charges are paid to and accepted by the insurer on or before the
payment date shown in the schedule. Taxes, levies and other relevant fiscal charges are
payable in addition to the premium.
1.4.2 The premium is deemed paid and accepted on receipt by the insurer or the broker
appointed to place this insurance with the insurer.
1.4.3 If any premium (including the instalment of premium) is not paid and accepted by the insurer
on or before its payment date shown in the schedule the insurer can give written notice to
the insured at its address shown on the schedule, cancelling the policy with effect from the
seventh (7th) day after the notice has been served, but that cancellation will be prevented
from taking effect and the policy continue if the late premium instalment and any other
remaining premium instalments are paid and accepted before the cancellation takes effect.
Without prejudice to other forms of service, notice of cancellation is deemed to be served on
the third (3rd) day after being posted if sent by pre-paid letter post properly addressed.

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 3 of 48