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10 General terms and conditions

10.1 Applicable law
The law allows the parties to this contract of insurance to select the law and jurisdiction to be
applied to this policy. Unless it is agreed otherwise, the law that applies to this contract is
the law of that part of the United Kingdom where the public authority is headquartered.
It is agreed that any legal proceedings between the insured and the insurer in connection
with this contract will only take place in the courts of that part of the United Kingdom where
the public authority is headquartered and they are subject to the exclusive jurisdiction of
that court.

10.2 Assignment
Assignment of interest under this policy will not bind the insurer unless and until the
insurer’s written consent is endorsed hereon.

10.3 Basis of contract
Any reference to ‘basis of the contract’ in this policy or in the proposal form (if any) is of no
effect.

10.4 Cancellation
The insurer may at any time during the period of insurance serve written notice on the
insured at the address shown on the schedule cancelling the policy with effect from the
thirtieth (30th) day after service of the notice.
Such cancellation shall not affect the coverage or premium attributable under this insurance
to the period prior to cancellation. Upon demand and subject to no claims having been
notified under this policy, the insurer will return to the insured a part of any premium paid
in excess of that proportionate to the pre-cancelled portion of the policy.
Without prejudice to any other forms of service, the 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.

10.5 Changes to policy
Any changes to this policy will only be by written endorsement thereto issued by the
insurer. Such endorsement must be signed by an authorised representative of the insurer.

10.6 Compliance with policy terms
10.6.1 The insured and anyone acting on its behalf must each comply with every applicable
provision of the policy.
10.6.2 To the extent this insurance provides a benefit to any other party, the insured shall arrange
for each insured party to comply with every applicable provision of this policy.

10.6.3 If the insured or anyone acting on its behalf breaches any provision of the policy, the
insurer may, without prejudice to any of the insurer’s other rights, reject or reduce sums
payable to the extent that the insurer’s liability under the policy has been incurred or
increased by reason of the breach.
10.6.4 If the insurer has paid any sums to the insured or anyone acting on its behalf for which the
insurer was not liable (whether by reason of breach of any provision of the policy by the
insured or anyone acting on its behalf or for any other reason) the insured shall promptly
repay such sums to the insurer.

10.6.5 To the extent the insurer waives all or some of its rights in relation to any obligation on the
insured, this shall not prevent the insurer from relying on any provisions in the future and
any delay in reliance or any partial reliance by the insurer shall not prevent the insurer from
relying on any such provisions, in whole or in part, in the future.

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 33 of 48