PPBL010121 Public Authority Combined Liability Insurance Policy (UK) :@0.119792:0.943001:0.548797:0.943001:0.548797:0.932403:0.119792:0.932403:0.009395:0.009395:0.009395:0.008051:0.008051:0.008051:0.008229:0.008065:0.006720:0.008065:0.002739:0.009395:0.008051:0.008051:0.002688:0.002688:0.006720:0.002688:0.009395:0.008051:0.004019:0.006720:0.008051:0.004032:0.002688:0.004019:0.006720:0.002688:0.009409:0.008051:0.010753:0.008051:0.002688:0.008051:0.008051:0.008051:0.002688:0.008051:0.002688:0.008051:0.006720:0.002688:0.002688:0.002688:0.004019:0.006720:0.002688:0.004019:0.008051:0.006720:0.008051:0.004032:0.008051:0.008051:0.006720:0.006720:0.002688:0.009395:0.008051:0.002688:0.002688:0.006720:0.006720:0.002688:0.004032:0.009409:0.009395:0.004758:0.003737
                          Page 34 of 48 :@0.604301:0.943001:0.791085:0.943001:0.791085:0.932403:0.604301:0.932403:0.004019:0.004019:0.002688:0.004019:0.004019:0.004019:0.002688:0.004019:0.004019:0.004019:0.004019:0.002688:0.004019:0.004019:0.004019:0.002688:0.004019:0.004019:0.004019:0.004019:0.002688:0.004019:0.004019:0.004019:0.002688:0.004405:0.009395:0.008051:0.008051:0.008051:0.002792:0.008065:0.008098:0.002688:0.008051:0.004019:0.002715:0.008065:0.008115:0.003737
 :@0.905796:0.944332:0.908834:0.944332:0.908834:0.934827:0.905796:0.934827:0.003038
 :@0.882897:0.954408:0.886633:0.954408:0.886633:0.943809:0.882897:0.943809:0.003737
10.7 :@0.119792:0.100986:0.164417:0.100986:0.164417:0.085088:0.119792:0.085088:0.010746:0.010746:0.005383:0.012145:0.005605
Contract (Rights of Third Parties) Act 1999  :@0.191112:0.100986:0.609906:0.100986:0.609906:0.085088:0.191112:0.085088:0.014758:0.012097:0.012097:0.006714:0.008044:0.010746:0.010746:0.006714:0.006714:0.006714:0.015040:0.005383:0.012097:0.012097:0.006714:0.010766:0.006694:0.012097:0.006714:0.005383:0.013427:0.012097:0.005383:0.008044:0.012097:0.005383:0.013448:0.010746:0.008044:0.006714:0.005383:0.010746:0.010746:0.006714:0.006714:0.014758:0.010746:0.006714:0.005383:0.010746:0.010746:0.010746:0.010746:0.008592:0.005605
This insurance does not confer or create any right enforceable under the Contracts (Rights :@0.191112:0.118683:0.887552:0.118683:0.887552:0.104905:0.191112:0.104905:0.009401:0.009401:0.004019:0.009383:0.004036:0.004019:0.009401:0.009383:0.009401:0.005382:0.009401:0.009401:0.009383:0.009401:0.004036:0.010728:0.010728:0.009401:0.008073:0.004036:0.009401:0.009401:0.005364:0.004036:0.008073:0.009401:0.009401:0.005364:0.009401:0.005382:0.004036:0.009401:0.005382:0.004036:0.009383:0.005382:0.009401:0.009401:0.005364:0.009401:0.004036:0.009401:0.009401:0.008073:0.004036:0.005382:0.004019:0.010728:0.009401:0.004036:0.004036:0.009401:0.009401:0.005364:0.009401:0.005382:0.008073:0.009401:0.009401:0.009401:0.004019:0.009401:0.004036:0.009401:0.009401:0.009401:0.009401:0.005382:0.004036:0.005364:0.009401:0.009401:0.004036:0.012091:0.010728:0.009401:0.004036:0.005382:0.009401:0.009383:0.006710:0.009383:0.005364:0.008103:0.013419:0.005364:0.012074:0.010728:0.005364:0.009383:0.004858
of Third Parties) Act 1999 or any amending or subsequent legislation by any person who is :@0.191112:0.131991:0.886158:0.131991:0.886158:0.118213:0.191112:0.118213:0.010728:0.006710:0.004036:0.009401:0.009401:0.004019:0.005382:0.010728:0.004036:0.012074:0.009401:0.005382:0.005364:0.004019:0.009401:0.008073:0.005382:0.004036:0.012074:0.008073:0.004036:0.004036:0.009401:0.009401:0.009401:0.009401:0.004036:0.010728:0.005382:0.004036:0.009401:0.009401:0.009383:0.004036:0.009401:0.014765:0.009401:0.009401:0.009401:0.002691:0.009401:0.009401:0.004036:0.010728:0.005382:0.004036:0.009383:0.009401:0.009401:0.008073:0.009401:0.009401:0.009401:0.009401:0.009401:0.004036:0.004036:0.004019:0.009401:0.009401:0.004019:0.008073:0.004019:0.009401:0.004036:0.004019:0.009401:0.009401:0.004036:0.010728:0.008073:0.004036:0.009401:0.009401:0.008073:0.004036:0.010728:0.009401:0.005382:0.009383:0.010728:0.010728:0.005364:0.013419:0.010728:0.010728:0.005364:0.005364:0.010728:0.004858
not named as the :@0.191112:0.145335:0.330216:0.145335:0.330216:0.131557:0.191112:0.131557:0.009401:0.010728:0.005364:0.004036:0.009401:0.009401:0.014765:0.009401:0.010728:0.004036:0.009401:0.009383:0.004036:0.005364:0.009401:0.009401:0.004858
insured:@0.329721:0.145335:0.391419:0.145335:0.391419:0.131557:0.329721:0.131557:0.005364:0.009401:0.009401:0.010728:0.006727:0.009401:0.010676
 and both the :@0.390289:0.145335:0.493218:0.145335:0.493218:0.131557:0.390289:0.131557:0.004066:0.009401:0.009401:0.010728:0.004036:0.009401:0.009401:0.004036:0.009401:0.004036:0.005364:0.009401:0.009401:0.004858
insurer:@0.492608:0.145335:0.550470:0.145335:0.550470:0.131557:0.492608:0.131557:0.005364:0.010728:0.009445:0.009401:0.006727:0.009401:0.006797
 and :@0.550454:0.145335:0.587605:0.145335:0.587605:0.131557:0.550454:0.131557:0.004066:0.009409:0.009409:0.009409:0.004858
insured:@0.586828:0.145335:0.648508:0.145335:0.648508:0.131557:0.586828:0.131557:0.005364:0.010728:0.009401:0.010728:0.005382:0.009401:0.010676
 may amend, cancel or lapse :@0.648740:0.145335:0.887087:0.145335:0.887087:0.131557:0.648740:0.131557:0.004015:0.014765:0.009401:0.008073:0.004036:0.009401:0.014765:0.009401:0.009401:0.009401:0.004036:0.004036:0.009383:0.010728:0.010728:0.009383:0.010728:0.005364:0.005364:0.010728:0.006710:0.005364:0.005364:0.010728:0.012074:0.009383:0.010728:0.004858
this insurance without giving notice to, or requiring the consent of, any other third party. :@0.191112:0.159594:0.887263:0.159594:0.887263:0.145815:0.191112:0.145815:0.005364:0.009401:0.004019:0.009383:0.004036:0.004019:0.009401:0.009383:0.009401:0.005382:0.009401:0.009401:0.009383:0.009401:0.004036:0.012091:0.004019:0.005364:0.009401:0.009401:0.009401:0.004036:0.004036:0.010728:0.002691:0.009383:0.002691:0.009401:0.009401:0.004036:0.009401:0.010728:0.004036:0.004019:0.008073:0.009401:0.004036:0.005364:0.009401:0.005364:0.004036:0.009401:0.005382:0.004036:0.005382:0.009401:0.010728:0.009401:0.002691:0.005382:0.004019:0.009401:0.009401:0.004036:0.005364:0.009401:0.009401:0.004036:0.009383:0.009401:0.009401:0.008073:0.010728:0.010728:0.005364:0.005364:0.010728:0.006710:0.006710:0.005364:0.010728:0.010728:0.009383:0.006732:0.012074:0.005364:0.010728:0.010728:0.006710:0.005364:0.006710:0.010728:0.005364:0.006710:0.010728:0.005364:0.012074:0.009401:0.006710:0.006710:0.009383:0.006710:0.004858
However, this will not preclude rights enforceable under the Third Parties (Rights against :@0.191112:0.172902:0.885983:0.172902:0.885983:0.159123:0.191112:0.159123:0.012091:0.010728:0.012091:0.009401:0.009383:0.009401:0.005382:0.005364:0.004036:0.005364:0.009401:0.004019:0.009383:0.004036:0.012091:0.004019:0.004019:0.004019:0.004036:0.009401:0.009401:0.004036:0.004036:0.010728:0.005382:0.009401:0.008073:0.004019:0.009401:0.009401:0.009401:0.004036:0.005382:0.004019:0.009401:0.009401:0.005364:0.008073:0.004036:0.009401:0.009401:0.005364:0.009401:0.005382:0.008073:0.009401:0.009401:0.009401:0.004019:0.009401:0.004036:0.009401:0.009401:0.009401:0.009401:0.005382:0.004036:0.005364:0.009401:0.009401:0.004036:0.009401:0.009401:0.004019:0.005382:0.010728:0.004036:0.012074:0.010728:0.006710:0.005364:0.005364:0.010728:0.009383:0.005364:0.006710:0.013419:0.005364:0.012074:0.010728:0.005364:0.009383:0.005364:0.010728:0.012074:0.010728:0.004019:0.010728:0.010728:0.005364:0.004858
Insurers) Act 2010. :@0.191112:0.186233:0.341333:0.186233:0.341333:0.172455:0.191112:0.172455:0.004036:0.009401:0.009383:0.009401:0.005382:0.009401:0.005382:0.009383:0.005382:0.004036:0.012074:0.009383:0.005364:0.004036:0.009401:0.009401:0.009401:0.009401:0.005718:0.004858
10.8 :@0.119792:0.214235:0.164417:0.214235:0.164417:0.198337:0.119792:0.198337:0.010746:0.010746:0.005383:0.012145:0.005605
Dispute resolution  :@0.191112:0.214235:0.379765:0.214235:0.379765:0.198337:0.191112:0.198337:0.014758:0.005383:0.010746:0.012097:0.012097:0.006714:0.010766:0.006858:0.008044:0.010746:0.010746:0.012097:0.005383:0.012097:0.006714:0.005383:0.012097:0.012097:0.008226:0.005605
10.8.1 :@0.119792:0.237600:0.171734:0.237600:0.171734:0.223821:0.119792:0.223821:0.009401:0.009401:0.005364:0.009401:0.005364:0.008155:0.004858
All matters in dispute between the :@0.191112:0.237600:0.452405:0.237600:0.452405:0.223821:0.191112:0.223821:0.012074:0.004019:0.004019:0.004036:0.014765:0.009401:0.005364:0.005364:0.009401:0.005382:0.009383:0.004036:0.004019:0.009401:0.004036:0.010728:0.002691:0.009383:0.009401:0.009401:0.004036:0.009401:0.004036:0.009401:0.009401:0.005364:0.012091:0.009401:0.009401:0.009401:0.004036:0.005364:0.009401:0.009401:0.004858
insured other insured parties:@0.452201:0.237600:0.690622:0.237600:0.690622:0.223821:0.452201:0.223821:0.005364:0.009401:0.009401:0.010728:0.006727:0.009401:0.010676:0.008313:0.010728:0.005382:0.010728:0.009401:0.006797:0.002713:0.005364:0.010728:0.009401:0.010728:0.005382:0.009401:0.010676:0.004264:0.010728:0.009401:0.006727:0.005382:0.005364:0.009401:0.009715
, :@0.512769:0.237600:0.523003:0.237600:0.523003:0.223821:0.512769:0.223821:0.005377:0.004858
 :@0.563928:0.237600:0.568786:0.237600:0.568786:0.223821:0.563928:0.223821:0.004858
 :@0.629872:0.237600:0.634730:0.237600:0.634730:0.223821:0.629872:0.223821:0.004858
 and the :@0.690440:0.237600:0.755733:0.237600:0.755733:0.223821:0.690440:0.223821:0.004032:0.009401:0.009401:0.009401:0.004036:0.005364:0.009401:0.009401:0.004858
insurer:@0.755040:0.237600:0.816860:0.237600:0.816860:0.223821:0.755040:0.223821:0.005364:0.009401:0.009401:0.012074:0.008055:0.010728:0.006797
 arising :@0.818296:0.237600:0.887537:0.237600:0.887537:0.223821:0.818296:0.223821:0.005376:0.010728:0.006710:0.005364:0.009383:0.005364:0.010728:0.010728:0.004858
out of or in connection with this insurance will be referred to a mediator to be agreed by the :@0.191112:0.251882:0.886455:0.251882:0.886455:0.238104:0.191112:0.238104:0.010728:0.009401:0.005364:0.004036:0.010728:0.005364:0.004036:0.010728:0.005382:0.004036:0.004019:0.009401:0.004036:0.009383:0.009401:0.009715:0.009401:0.009401:0.008073:0.004036:0.004019:0.009401:0.009401:0.004036:0.012091:0.004019:0.005364:0.009401:0.004036:0.005364:0.009401:0.002691:0.009383:0.004036:0.004019:0.009401:0.008073:0.009401:0.005382:0.009401:0.009401:0.008073:0.009401:0.004036:0.012091:0.004019:0.004019:0.004019:0.004036:0.010728:0.009401:0.004036:0.005382:0.009401:0.005364:0.009401:0.005382:0.005382:0.009401:0.009401:0.004036:0.005364:0.009401:0.004036:0.009401:0.004036:0.014765:0.009401:0.009401:0.004019:0.009401:0.004036:0.009401:0.005382:0.004036:0.005364:0.009401:0.004036:0.009401:0.009401:0.004036:0.009401:0.010728:0.005382:0.009401:0.010728:0.010728:0.005364:0.010728:0.010728:0.005364:0.005364:0.010728:0.010728:0.004858
parties within fourteen (14) working days of a written notice served on one party by the other :@0.191112:0.265190:0.887247:0.265190:0.887247:0.251412:0.191112:0.251412:0.010728:0.009401:0.005382:0.005364:0.004019:0.009401:0.009383:0.004036:0.012091:0.004019:0.005364:0.009401:0.004019:0.009401:0.004036:0.005364:0.009401:0.009401:0.005382:0.004036:0.009401:0.009401:0.009401:0.004036:0.005382:0.009401:0.009401:0.005382:0.004036:0.012091:0.010728:0.005382:0.009383:0.004019:0.009401:0.009401:0.004036:0.009401:0.009401:0.008073:0.008073:0.004036:0.009401:0.005364:0.004036:0.009401:0.004036:0.012091:0.005382:0.004019:0.005364:0.005364:0.009401:0.009401:0.004036:0.009401:0.009401:0.005364:0.004968:0.008073:0.009401:0.004036:0.009383:0.009401:0.005382:0.008073:0.009401:0.009401:0.004036:0.009401:0.009401:0.004036:0.010728:0.009401:0.009401:0.004036:0.009401:0.009401:0.005382:0.005364:0.008073:0.004036:0.009401:0.008073:0.004036:0.005364:0.009401:0.009401:0.004036:0.010728:0.004036:0.009401:0.010728:0.006710:0.004858
requesting such an agreement. If a mediator is not agreed, then either party may apply to the :@0.191112:0.279484:0.887623:0.279484:0.887623:0.265706:0.191112:0.265706:0.005382:0.009401:0.010728:0.009401:0.009401:0.009383:0.005364:0.004019:0.009401:0.009401:0.004036:0.009383:0.009401:0.008073:0.009401:0.004036:0.009401:0.009401:0.004036:0.009401:0.010728:0.005382:0.009401:0.009401:0.013437:0.009401:0.009401:0.005364:0.004036:0.004036:0.004036:0.006710:0.004036:0.009401:0.004036:0.014765:0.009401:0.009401:0.004019:0.009401:0.004036:0.009401:0.005382:0.004036:0.004019:0.009383:0.004036:0.009401:0.009401:0.005364:0.004036:0.009401:0.009401:0.005382:0.009401:0.009401:0.009401:0.004036:0.004036:0.005364:0.009401:0.009401:0.009401:0.004036:0.009401:0.004019:0.005364:0.009401:0.009401:0.005382:0.004036:0.009401:0.009401:0.005382:0.005364:0.008073:0.004036:0.014765:0.009401:0.008073:0.004036:0.010708:0.010728:0.009401:0.002691:0.009383:0.004036:0.005364:0.009401:0.004036:0.004036:0.008073:0.008073:0.004858
Centre for Effective Dispute Resolution (‘CEDR’) for the appointment of a mediator. The :@0.191112:0.292780:0.886018:0.292780:0.886018:0.279002:0.191112:0.279002:0.012091:0.009401:0.009401:0.005364:0.005382:0.009401:0.004036:0.006710:0.010728:0.005382:0.004036:0.012074:0.005364:0.004036:0.009401:0.009383:0.004036:0.004019:0.008073:0.009401:0.004036:0.012091:0.004019:0.008073:0.009401:0.009401:0.005364:0.009401:0.004036:0.012091:0.009401:0.008073:0.009401:0.004019:0.009401:0.005364:0.002691:0.009401:0.009401:0.004036:0.005382:0.004019:0.012091:0.012074:0.012091:0.012091:0.004019:0.005382:0.004036:0.005364:0.009401:0.005382:0.004036:0.005364:0.009401:0.009401:0.004036:0.009401:0.009401:0.010728:0.010728:0.005364:0.010728:0.006710:0.014765:0.010728:0.010728:0.005364:0.005364:0.010728:0.006710:0.005364:0.010728:0.005364:0.016145:0.010728:0.010728:0.005364:0.010728:0.006710:0.010728:0.006710:0.005364:0.005364:0.010728:0.010728:0.010728:0.004858
parties shall share equally the costs  of CEDR and of the mediator and the reference, :@0.191112:0.306124:0.886716:0.306124:0.886716:0.292346:0.191112:0.292346:0.010728:0.009401:0.005382:0.005364:0.004019:0.009401:0.009383:0.006710:0.009383:0.009401:0.009401:0.004019:0.004019:0.006710:0.009383:0.009401:0.009401:0.005382:0.009401:0.006710:0.009401:0.010728:0.009401:0.009401:0.004019:0.004019:0.009383:0.006710:0.005364:0.009401:0.009401:0.006710:0.009383:0.010728:0.009383:0.005364:0.009383:0.004858:0.002778:0.010728:0.006710:0.006710:0.012091:0.012074:0.013419:0.012091:0.006710:0.009401:0.009401:0.010728:0.006710:0.010728:0.006710:0.006710:0.005364:0.009401:0.009401:0.006710:0.014765:0.009401:0.010728:0.004019:0.009401:0.005364:0.010728:0.005382:0.006710:0.009401:0.009401:0.010728:0.005364:0.005364:0.009401:0.009401:0.005364:0.005382:0.009401:0.006710:0.009401:0.005382:0.009401:0.009401:0.009383:0.009401:0.005364:0.004858
conduct and any settlement of the dispute at mediation will be conducted in confidence.  :@0.191112:0.320383:0.854101:0.320383:0.854101:0.306604:0.191112:0.306604:0.009383:0.010728:0.009401:0.010728:0.009401:0.008073:0.005364:0.004036:0.009401:0.009401:0.009401:0.004036:0.009401:0.009401:0.009383:0.004036:0.008073:0.009401:0.005364:0.004036:0.004019:0.009401:0.013437:0.009401:0.009401:0.005364:0.004036:0.009401:0.005364:0.004036:0.005364:0.009401:0.009401:0.004036:0.009401:0.004019:0.008073:0.009401:0.009401:0.004036:0.009401:0.004036:0.009401:0.005364:0.004036:0.014765:0.009401:0.009401:0.004019:0.009401:0.004036:0.004019:0.009401:0.009401:0.004036:0.012091:0.004019:0.004019:0.004019:0.004036:0.009401:0.009401:0.004036:0.009383:0.009401:0.009401:0.009401:0.009401:0.008073:0.004036:0.010601:0.009401:0.004036:0.004019:0.009401:0.004036:0.009383:0.009401:0.009401:0.005364:0.002691:0.009401:0.009401:0.009401:0.009383:0.008073:0.005364:0.004310:0.004858
10.8.2 :@0.119792:0.340380:0.171734:0.340380:0.171734:0.326602:0.119792:0.326602:0.009401:0.009401:0.005364:0.009401:0.005364:0.008155:0.004858
The parties shall continue to perform their respective continuing obligations under this :@0.191112:0.340380:0.885686:0.340380:0.885686:0.326602:0.191112:0.326602:0.009401:0.009401:0.009401:0.006710:0.010728:0.009401:0.005382:0.005364:0.004019:0.009401:0.009383:0.006710:0.009383:0.009401:0.009401:0.004019:0.004019:0.006710:0.009383:0.010728:0.009401:0.005364:0.004019:0.009401:0.009401:0.009401:0.006710:0.005364:0.010728:0.006710:0.010728:0.009401:0.005382:0.006710:0.010728:0.005382:0.014765:0.006710:0.005364:0.009401:0.009401:0.004019:0.005382:0.005364:0.005382:0.009401:0.009383:0.010728:0.009401:0.009383:0.005364:0.004019:0.009383:0.009401:0.005364:0.009383:0.010728:0.009401:0.005364:0.004019:0.009401:0.009401:0.004019:0.009401:0.010728:0.005364:0.010728:0.010728:0.004019:0.004019:0.010728:0.009401:0.005364:0.004019:0.010728:0.009401:0.009383:0.005364:0.009401:0.009401:0.010728:0.009401:0.005382:0.005364:0.005364:0.009401:0.004019:0.009383:0.004858
insurance, if any, while the dispute is resolved unless the nature of the dispute prevents such :@0.191112:0.354639:0.886869:0.354639:0.886869:0.340860:0.191112:0.340860:0.004019:0.009401:0.009383:0.009401:0.005382:0.009401:0.009401:0.009383:0.009401:0.005364:0.004036:0.004019:0.005364:0.004036:0.009401:0.009401:0.009383:0.004036:0.004036:0.012091:0.009401:0.004019:0.004019:0.009401:0.004036:0.005364:0.009401:0.009401:0.004036:0.010728:0.004590:0.008073:0.009401:0.009401:0.004036:0.009401:0.004036:0.004019:0.009383:0.004036:0.005382:0.009401:0.008073:0.009401:0.004019:0.008073:0.009401:0.009401:0.004036:0.009401:0.009401:0.004019:0.009401:0.009383:0.008073:0.004036:0.005364:0.009401:0.009401:0.004036:0.009401:0.009401:0.005364:0.009401:0.005382:0.009401:0.004036:0.009401:0.005364:0.004036:0.005364:0.008073:0.009401:0.004036:0.010728:0.004019:0.008073:0.009401:0.009401:0.004036:0.009401:0.004036:0.010728:0.005382:0.009401:0.008073:0.009401:0.009401:0.004036:0.009383:0.004036:0.008073:0.008073:0.008073:0.008073:0.004858
continued performance of those obligations.  :@0.191112:0.367971:0.531101:0.367971:0.531101:0.354192:0.191112:0.354192:0.009383:0.010728:0.009401:0.005364:0.004019:0.009401:0.009401:0.009401:0.009401:0.004036:0.010728:0.009401:0.004036:0.005364:0.009401:0.005382:0.014765:0.009401:0.009401:0.008073:0.009401:0.004036:0.009401:0.005364:0.004036:0.005364:0.009401:0.009401:0.008073:0.009401:0.004036:0.009401:0.009401:0.004019:0.004019:0.009401:0.009401:0.004036:0.004019:0.009401:0.009401:0.008073:0.005364:0.004802:0.004858
10.8.3 :@0.119792:0.388883:0.171734:0.388883:0.171734:0.375105:0.119792:0.375105:0.009401:0.009401:0.005364:0.009401:0.005364:0.008155:0.004858
If any such dispute is not resolved by mediation or the parties cannot agree upon the :@0.191112:0.388883:0.885866:0.388883:0.885866:0.375105:0.191112:0.375105:0.004036:0.006710:0.006710:0.009401:0.009401:0.009383:0.006710:0.009563:0.009401:0.009383:0.009401:0.006710:0.010728:0.004019:0.009383:0.010728:0.009401:0.005364:0.009401:0.006710:0.004019:0.009383:0.006710:0.009401:0.010728:0.005364:0.006710:0.005382:0.009401:0.009383:0.010728:0.004019:0.009383:0.009401:0.010728:0.006710:0.010728:0.009383:0.006710:0.014765:0.009401:0.010728:0.004019:0.009401:0.005364:0.004019:0.010728:0.009401:0.006710:0.010728:0.005382:0.005364:0.005364:0.009401:0.009401:0.005364:0.010728:0.009401:0.005382:0.005364:0.004019:0.009401:0.009383:0.005364:0.009383:0.009401:0.009401:0.009401:0.010728:0.005364:0.005364:0.009401:0.010728:0.005382:0.009401:0.009401:0.005364:0.009401:0.010728:0.010728:0.009401:0.005364:0.005364:0.009401:0.009401:0.004858
appointment of a mediator or the form that the mediation will take, the dispute will be referred :@0.191112:0.403177:0.887242:0.403177:0.887242:0.389399:0.191112:0.389399:0.009401:0.010728:0.010728:0.010728:0.004019:0.009401:0.004036:0.013437:0.009401:0.009401:0.005364:0.004036:0.009401:0.005364:0.004036:0.009401:0.004036:0.014765:0.009401:0.009401:0.004019:0.009401:0.004036:0.009401:0.005382:0.004036:0.010728:0.005382:0.004036:0.005364:0.009401:0.009401:0.004036:0.005364:0.009401:0.005382:0.013437:0.004036:0.005364:0.009401:0.009401:0.004036:0.004036:0.005364:0.009401:0.009401:0.004036:0.014765:0.009401:0.009401:0.004019:0.009401:0.004036:0.004019:0.009401:0.009401:0.004036:0.012091:0.004019:0.005015:0.004019:0.004036:0.005364:0.009401:0.008073:0.009401:0.004036:0.004036:0.005364:0.009401:0.009401:0.004036:0.010728:0.002691:0.009383:0.009401:0.009401:0.004036:0.009401:0.004036:0.012091:0.004019:0.004019:0.004019:0.004036:0.009401:0.009401:0.004036:0.005382:0.009401:0.005364:0.009401:0.005382:0.004036:0.008073:0.009401:0.004858
by either party to courts, subject to the law and jurisdiction set down in the Applicable law :@0.191112:0.416485:0.887391:0.416485:0.887391:0.402707:0.191112:0.402707:0.010728:0.009383:0.004036:0.009401:0.004019:0.005364:0.009401:0.009401:0.005382:0.004036:0.010728:0.009401:0.005382:0.005364:0.008073:0.004036:0.005364:0.009401:0.004036:0.009383:0.009401:0.009401:0.005382:0.004036:0.009383:0.004036:0.004036:0.009383:0.009401:0.009401:0.002691:0.009401:0.009383:0.004036:0.004036:0.005364:0.009401:0.004036:0.005364:0.009401:0.009401:0.004036:0.004019:0.009401:0.012091:0.004036:0.009401:0.009401:0.009401:0.004036:0.004019:0.009401:0.005382:0.004019:0.009383:0.009401:0.004019:0.008073:0.004036:0.004019:0.009401:0.009401:0.004036:0.009383:0.009401:0.004036:0.004036:0.010728:0.009401:0.012091:0.008073:0.004036:0.004019:0.009401:0.005364:0.006710:0.010728:0.010728:0.005364:0.013419:0.012136:0.010728:0.005364:0.005364:0.009383:0.010728:0.010728:0.005364:0.010728:0.005364:0.005364:0.010728:0.013419:0.004858
clause above. :@0.191112:0.429817:0.303631:0.429817:0.303631:0.416038:0.191112:0.416038:0.009383:0.004019:0.009401:0.009401:0.009383:0.009401:0.004036:0.009401:0.010728:0.009401:0.009383:0.009401:0.004325:0.004858
10.9 :@0.119792:0.453981:0.164417:0.453981:0.164417:0.438082:0.119792:0.438082:0.010746:0.010746:0.005383:0.012145:0.005605
Duty of fair presentation :@0.191112:0.453981:0.426858:0.453981:0.426858:0.438082:0.191112:0.438082:0.014758:0.012097:0.006714:0.010766:0.006694:0.012097:0.006714:0.005383:0.006714:0.010766:0.005383:0.008044:0.005383:0.012097:0.008044:0.010746:0.010746:0.010746:0.012097:0.006714:0.010766:0.006714:0.005383:0.012097:0.012480:0.005605
The :@0.191112:0.470727:0.224171:0.470727:0.224171:0.456949:0.191112:0.456949:0.009401:0.009401:0.009401:0.004858
insured:@0.224748:0.470727:0.287774:0.470727:0.287774:0.456949:0.224748:0.456949:0.005364:0.010728:0.009401:0.010728:0.006727:0.009401:0.010676
 must make a fair presentation of the risk (as set out in the Insurance Act 2015 :@0.288021:0.470727:0.887550:0.470727:0.887550:0.456949:0.288021:0.456949:0.004032:0.014765:0.009401:0.009383:0.005364:0.004036:0.014765:0.009401:0.008073:0.009401:0.004036:0.009401:0.004036:0.005364:0.009401:0.004019:0.005382:0.004036:0.009401:0.005382:0.009401:0.009383:0.009401:0.009401:0.004036:0.009401:0.005364:0.002691:0.009401:0.009401:0.004036:0.009401:0.005364:0.004036:0.005364:0.009401:0.009401:0.004036:0.005382:0.004019:0.009383:0.008073:0.004036:0.005382:0.009401:0.009383:0.004036:0.009383:0.008073:0.005364:0.004036:0.009401:0.009401:0.005364:0.004036:0.004019:0.009401:0.004036:0.005364:0.009401:0.009401:0.004036:0.004036:0.009401:0.009383:0.009401:0.005382:0.009401:0.009401:0.008073:0.009401:0.004036:0.013419:0.010550:0.006710:0.005364:0.010728:0.010728:0.010728:0.010728:0.004858
or successor or amending legislation) in proposing for, or proposing to vary, this insurance. :@0.191112:0.484986:0.875657:0.484986:0.875657:0.471207:0.191112:0.471207:0.010728:0.005382:0.004036:0.009383:0.009401:0.009383:0.009383:0.009401:0.008073:0.009383:0.009401:0.005382:0.004036:0.009401:0.005382:0.004036:0.009401:0.014765:0.009401:0.009401:0.009401:0.004019:0.009401:0.009401:0.004036:0.004019:0.009401:0.009401:0.004019:0.008073:0.004019:0.009401:0.004036:0.004019:0.009401:0.009401:0.005382:0.004036:0.004019:0.009401:0.004036:0.010728:0.005382:0.009401:0.009401:0.009401:0.008073:0.004019:0.009401:0.009401:0.004036:0.005364:0.009401:0.005382:0.004036:0.004036:0.010728:0.005382:0.004036:0.009401:0.005382:0.009401:0.009401:0.009401:0.008073:0.004019:0.009401:0.009401:0.004036:0.005364:0.009401:0.004036:0.009383:0.009401:0.005382:0.008073:0.005364:0.004036:0.005364:0.008073:0.004019:0.008073:0.004036:0.004019:0.009401:0.009383:0.009401:0.005382:0.009401:0.009401:0.008073:0.009401:0.006833:0.004858
10.10  Duty  of  fair  presentation  -  remedies  for  breach  –  proposing  for  this :@0.119792:0.512025:0.888142:0.512025:0.888142:0.496126:0.119792:0.496126:0.010746:0.010746:0.005383:0.012077:0.012174:0.005605:0.014590:0.014758:0.012097:0.006714:0.010766:0.005605:0.006472:0.012097:0.006714:0.005605:0.006472:0.006714:0.010766:0.005383:0.008044:0.005605:0.006472:0.012097:0.008044:0.010746:0.011126:0.010746:0.012097:0.006714:0.010766:0.006714:0.005383:0.012097:0.012097:0.005605:0.006576:0.006754:0.005605:0.006509:0.008044:0.010746:0.017520:0.010746:0.012097:0.005383:0.010746:0.010746:0.005605:0.005121:0.006714:0.012097:0.008044:0.005605:0.005121:0.012097:0.008044:0.010746:0.010746:0.010746:0.012097:0.005605:0.005548:0.010753:0.005605:0.005148:0.012097:0.008044:0.012097:0.012097:0.012097:0.010746:0.005383:0.012097:0.012097:0.005605:0.005121:0.006714:0.012097:0.008044:0.005605:0.005121:0.006714:0.012097:0.005383:0.010746:0.005605
insurance :@0.191112:0.528220:0.289577:0.528220:0.289577:0.512322:0.191112:0.512322:0.005383:0.012097:0.010746:0.012097:0.008044:0.010746:0.012097:0.010746:0.010904:0.005605
If the :@0.191112:0.545870:0.234917:0.545870:0.234917:0.532091:0.191112:0.532091:0.004036:0.006710:0.004036:0.005364:0.009401:0.009401:0.004858
insured:@0.234173:0.545870:0.297199:0.545870:0.297199:0.532091:0.234173:0.532091:0.005364:0.010728:0.009401:0.010728:0.006727:0.009401:0.010676
 or anyone acting on its behalf breaches the :@0.297429:0.545870:0.628662:0.545870:0.628662:0.532091:0.297429:0.532091:0.004066:0.010728:0.005382:0.004036:0.009401:0.009401:0.009383:0.009401:0.009401:0.008073:0.004036:0.009401:0.009383:0.005364:0.002691:0.009401:0.009401:0.004036:0.010728:0.009401:0.004036:0.004019:0.004036:0.009383:0.004036:0.009401:0.009401:0.009401:0.009401:0.002691:0.005364:0.004036:0.010728:0.005382:0.009401:0.009401:0.008073:0.009401:0.009401:0.008073:0.004036:0.005364:0.009401:0.009401:0.004858
insured’s:@0.628528:0.545870:0.704030:0.545870:0.704030:0.532091:0.628528:0.532091:0.005364:0.010728:0.008073:0.010728:0.006727:0.009401:0.010728:0.004036:0.009715
 duty of fair presentation :@0.703881:0.545870:0.887496:0.545870:0.887496:0.532091:0.703881:0.532091:0.004032:0.009401:0.009401:0.005364:0.008073:0.004036:0.009401:0.005485:0.004032:0.005364:0.009401:0.004019:0.005382:0.004036:0.009401:0.005382:0.009401:0.009383:0.009401:0.009401:0.004036:0.009401:0.004036:0.002691:0.009401:0.009401:0.004858
then the :@0.191112:0.559213:0.257737:0.559213:0.257737:0.545435:0.191112:0.545435:0.005364:0.009401:0.009401:0.009401:0.004036:0.005364:0.009401:0.009401:0.004858
insurer’s:@0.257056:0.559213:0.331212:0.559213:0.331212:0.545435:0.257056:0.545435:0.005364:0.010728:0.009401:0.010728:0.006727:0.009401:0.006727:0.005364:0.009715
 remedies shall be as follows: :@0.331116:0.559213:0.556689:0.559213:0.556689:0.545435:0.331116:0.545435:0.004032:0.005382:0.009401:0.014765:0.009401:0.009401:0.004019:0.009401:0.008073:0.004036:0.009383:0.009401:0.009401:0.004019:0.004019:0.004036:0.009401:0.009401:0.004036:0.009401:0.009383:0.004036:0.005364:0.008073:0.004019:0.004019:0.009401:0.012091:0.008073:0.005853:0.004858
a)  if such breach is deliberate or reckless, the :@0.191112:0.576324:0.549243:0.576324:0.549243:0.562545:0.191112:0.562545:0.009409:0.005426:0.004858:0.011272:0.004019:0.006710:0.004036:0.009383:0.009401:0.009383:0.009401:0.004036:0.010728:0.005382:0.009401:0.009401:0.008073:0.009401:0.004036:0.004019:0.008073:0.004036:0.010728:0.009401:0.002691:0.004019:0.009401:0.009401:0.005382:0.009401:0.005364:0.009401:0.004036:0.009401:0.005382:0.004036:0.005382:0.009401:0.009383:0.008073:0.004019:0.009401:0.008073:0.009383:0.004036:0.004036:0.005364:0.009401:0.009401:0.004858
insurer:@0.549110:0.576324:0.607048:0.576324:0.607048:0.562545:0.549110:0.562545:0.005364:0.010728:0.008073:0.010848:0.006727:0.009401:0.006797
 may: :@0.606972:0.576324:0.652253:0.576324:0.652253:0.562545:0.606972:0.562545:0.004032:0.014765:0.009401:0.008073:0.004153:0.004858
i)  treat this :@0.222077:0.593470:0.324996:0.593470:0.324996:0.579691:0.222077:0.579691:0.004032:0.005360:0.004858:0.016698:0.005364:0.005382:0.009401:0.009401:0.005364:0.004036:0.005364:0.009401:0.004019:0.009383:0.004858
policy:@0.324345:0.593470:0.375646:0.593470:0.375646:0.579691:0.324345:0.579691:0.010728:0.010728:0.005364:0.005364:0.009401:0.009715
 as having been terminated from its inception; and  :@0.375504:0.593470:0.755866:0.593470:0.755866:0.579691:0.375504:0.579691:0.004032:0.009401:0.008073:0.004036:0.009401:0.009401:0.009383:0.004019:0.009401:0.009401:0.004036:0.009401:0.009401:0.009401:0.009401:0.004036:0.005364:0.009401:0.005382:0.013437:0.004019:0.009401:0.009401:0.004036:0.009401:0.009401:0.004036:0.005364:0.005382:0.009401:0.014765:0.004036:0.004019:0.005364:0.008073:0.004036:0.004019:0.009401:0.008073:0.009401:0.009401:0.005364:0.002691:0.009401:0.009401:0.005364:0.004036:0.009401:0.009401:0.009401:0.004816:0.004858
ii)  retain the premium;  :@0.222077:0.610580:0.411326:0.610580:0.411326:0.596801:0.222077:0.596801:0.004032:0.004032:0.005376:0.004858:0.012649:0.005382:0.009401:0.005364:0.009401:0.004019:0.009401:0.004036:0.005364:0.009401:0.009401:0.004036:0.010728:0.005382:0.009401:0.014765:0.004019:0.009401:0.014765:0.005364:0.004416:0.004858
b)  if such breach is not deliberate or reckless and the :@0.191112:0.627714:0.606278:0.627714:0.606278:0.613935:0.191112:0.613935:0.010753:0.004082:0.004858:0.011272:0.004019:0.006710:0.004036:0.009383:0.009401:0.009383:0.009401:0.004036:0.010728:0.005382:0.009401:0.009401:0.008073:0.009401:0.004036:0.004019:0.008073:0.004036:0.009401:0.010728:0.004036:0.004036:0.010728:0.009401:0.002691:0.004019:0.009401:0.009401:0.005382:0.009401:0.005364:0.009401:0.004036:0.009401:0.005382:0.004036:0.005382:0.009401:0.009997:0.008073:0.004019:0.009401:0.008073:0.008073:0.004036:0.009401:0.009401:0.010728:0.004036:0.005364:0.009401:0.009401:0.004858
insurer:@0.605628:0.627714:0.663447:0.627714:0.663447:0.613935:0.605628:0.613935:0.005364:0.009401:0.009401:0.010728:0.006727:0.009401:0.006797
 would not have entered into :@0.662181:0.627714:0.887213:0.627714:0.887213:0.613935:0.662181:0.613935:0.004032:0.012091:0.010728:0.009401:0.004019:0.009401:0.004036:0.009401:0.009401:0.004036:0.004036:0.009401:0.009401:0.009383:0.009401:0.004036:0.009401:0.009401:0.005364:0.009401:0.005382:0.009401:0.010728:0.005364:0.005364:0.010728:0.006710:0.010728:0.004858
this :@0.222077:0.641972:0.255101:0.641972:0.255101:0.628194:0.222077:0.628194:0.005364:0.009401:0.004019:0.009383:0.004858
policy:@0.254368:0.641972:0.305669:0.641972:0.305669:0.628194:0.254368:0.628194:0.010728:0.010728:0.005364:0.005364:0.009401:0.009715
 but for the breach, the :@0.305528:0.641972:0.479608:0.641972:0.479608:0.628194:0.305528:0.628194:0.004032:0.009401:0.009401:0.005364:0.004036:0.005364:0.009401:0.005382:0.004036:0.005364:0.009401:0.009401:0.004036:0.009401:0.005382:0.009401:0.009401:0.009383:0.008073:0.005364:0.004036:0.005364:0.009401:0.009401:0.004858
insurer:@0.479116:0.641972:0.536935:0.641972:0.536935:0.628194:0.479116:0.628194:0.005364:0.009401:0.009401:0.010728:0.006727:0.009401:0.006797
 may by notice to the :@0.537013:0.641972:0.696329:0.641972:0.696329:0.628194:0.537013:0.628194:0.004015:0.014765:0.009401:0.008073:0.004036:0.009401:0.008073:0.004036:0.009401:0.010728:0.004036:0.004019:0.008073:0.009401:0.004036:0.005364:0.009401:0.004036:0.005364:0.009401:0.009401:0.004858
insured:@0.695817:0.641972:0.757609:0.641972:0.757609:0.628194:0.695817:0.628194:0.005364:0.010728:0.009495:0.009401:0.006727:0.009401:0.010676
 treat this :@0.757728:0.641972:0.831094:0.641972:0.831094:0.628194:0.757728:0.628194:0.004032:0.005364:0.005382:0.009401:0.009401:0.004036:0.004036:0.005364:0.009401:0.004019:0.008073:0.004858
policy:@0.830393:0.641972:0.881694:0.641972:0.881694:0.628194:0.830393:0.628194:0.010728:0.010728:0.004036:0.005364:0.010728:0.009715
 :@0.882897:0.641972:0.887754:0.641972:0.887754:0.628194:0.882897:0.628194:0.004858
as having been terminated from its inception in which case the :@0.222077:0.655316:0.694235:0.655316:0.694235:0.641538:0.222077:0.641538:0.009401:0.009383:0.004036:0.009401:0.009401:0.009383:0.004019:0.009401:0.010728:0.004036:0.010728:0.009401:0.009401:0.009401:0.004036:0.005364:0.009401:0.005382:0.013437:0.004019:0.009401:0.009401:0.004036:0.009401:0.009401:0.004036:0.005364:0.005382:0.009401:0.014765:0.004036:0.004019:0.005364:0.008073:0.004036:0.004019:0.009401:0.008073:0.009401:0.009401:0.005364:0.002691:0.009401:0.009401:0.004036:0.004019:0.009401:0.004036:0.012091:0.009401:0.004019:0.009383:0.009401:0.004036:0.009383:0.009401:0.008073:0.009401:0.004036:0.005364:0.009401:0.009401:0.004858
insurer:@0.694472:0.655316:0.752291:0.655316:0.752291:0.641538:0.694472:0.641538:0.005364:0.009401:0.009401:0.010728:0.006727:0.009401:0.006797
 shall return the :@0.751008:0.655316:0.887329:0.655316:0.887329:0.641538:0.751008:0.641538:0.004032:0.009383:0.009401:0.009401:0.004019:0.004019:0.005364:0.006710:0.010728:0.006710:0.010728:0.006710:0.010728:0.005364:0.006710:0.010728:0.010728:0.004858
premium; and :@0.222077:0.669575:0.333235:0.669575:0.333235:0.655796:0.222077:0.655796:0.010728:0.005382:0.009401:0.014765:0.004019:0.009401:0.014765:0.005364:0.004036:0.009401:0.009401:0.009639:0.004858
c)  in all other cases if, but for the said breach, the :@0.191112:0.686709:0.578990:0.686709:0.578990:0.672930:0.191112:0.672930:0.009409:0.004032:0.004858:0.012666:0.004019:0.009401:0.004036:0.009401:0.004019:0.004019:0.004036:0.010728:0.005364:0.009401:0.009401:0.005382:0.004036:0.009618:0.009401:0.009383:0.009401:0.009383:0.004036:0.004019:0.005364:0.004036:0.004036:0.009401:0.009401:0.005364:0.004036:0.005364:0.009401:0.005382:0.004036:0.005364:0.009401:0.009401:0.004036:0.008073:0.009401:0.004019:0.009401:0.004036:0.010728:0.005382:0.009401:0.009401:0.008073:0.009401:0.004036:0.004036:0.005364:0.009401:0.009401:0.004858
insurer:@0.578713:0.686709:0.636532:0.686709:0.636532:0.672930:0.578713:0.672930:0.005364:0.010728:0.009401:0.009401:0.006727:0.009401:0.006797
 would have entered into this :@0.636593:0.686709:0.886926:0.686709:0.886926:0.672930:0.636593:0.672930:0.004032:0.012091:0.009401:0.009401:0.004019:0.010728:0.005364:0.010728:0.010728:0.010728:0.010728:0.005364:0.010728:0.010728:0.006710:0.010728:0.006710:0.010728:0.010728:0.005364:0.005364:0.010728:0.005364:0.010728:0.005364:0.006710:0.010728:0.005364:0.009383:0.004858
policy:@0.222077:0.700017:0.273378:0.700017:0.273378:0.686238:0.222077:0.686238:0.010728:0.010728:0.005364:0.005364:0.009401:0.009715
 but: :@0.273236:0.700017:0.311729:0.700017:0.311729:0.686238:0.273236:0.686238:0.004015:0.010728:0.009401:0.005364:0.004127:0.004858
i)  on different terms (other than terms relating to the premium), the :@0.222077:0.717163:0.782027:0.717163:0.782027:0.703384:0.222077:0.703384:0.004032:0.005360:0.004858:0.016698:0.010728:0.009401:0.006710:0.010728:0.004019:0.006710:0.006710:0.009401:0.005382:0.009401:0.009401:0.005364:0.006710:0.005364:0.009401:0.005382:0.014765:0.009383:0.006710:0.005382:0.010728:0.005364:0.009401:0.009401:0.005382:0.006710:0.005364:0.009401:0.009401:0.009401:0.007360:0.005364:0.009401:0.005382:0.014765:0.009383:0.006710:0.005382:0.009401:0.004019:0.009401:0.005364:0.004019:0.009401:0.010728:0.006710:0.005364:0.010728:0.006710:0.005364:0.009401:0.009401:0.006710:0.010728:0.005382:0.009401:0.014765:0.004019:0.009401:0.014765:0.005382:0.005364:0.006710:0.005364:0.009401:0.009401:0.004858
insurer:@0.784644:0.717163:0.843790:0.717163:0.843790:0.703384:0.784644:0.703384:0.005364:0.010728:0.009401:0.010728:0.006727:0.009401:0.006797
 may :@0.843884:0.717163:0.887650:0.717163:0.887650:0.703384:0.843884:0.703384:0.005360:0.014765:0.009401:0.009383:0.004858
require that this :@0.253024:0.731421:0.377363:0.731421:0.377363:0.717643:0.253024:0.717643:0.005382:0.009401:0.010728:0.009401:0.004019:0.005382:0.009401:0.004036:0.005364:0.009401:0.009401:0.005364:0.004036:0.005364:0.009401:0.004019:0.009383:0.004858
policy:@0.376848:0.731421:0.426821:0.731421:0.426821:0.717643:0.376848:0.717643:0.010728:0.010728:0.004036:0.005364:0.009401:0.009715
 is treated as if it had been entered into on those different :@0.426663:0.731421:0.886569:0.731421:0.886569:0.717643:0.426663:0.717643:0.004032:0.004019:0.008073:0.004036:0.005364:0.005382:0.009401:0.009401:0.005364:0.009401:0.009401:0.004036:0.009401:0.008073:0.004036:0.004019:0.005364:0.004036:0.004019:0.005364:0.004036:0.009401:0.009401:0.009401:0.004036:0.010728:0.008073:0.009401:0.009401:0.004036:0.009401:0.009401:0.005364:0.009401:0.005382:0.009401:0.009401:0.004036:0.005364:0.010728:0.006710:0.010728:0.005364:0.010728:0.010728:0.005364:0.006710:0.010728:0.010728:0.009383:0.010728:0.005364:0.012074:0.004019:0.006710:0.005364:0.010728:0.006710:0.010728:0.010728:0.006710:0.004858
terms from the outset; or :@0.253024:0.744753:0.444962:0.744753:0.444962:0.730974:0.253024:0.730974:0.005364:0.009401:0.005382:0.014850:0.009383:0.004036:0.006710:0.005382:0.009401:0.014765:0.004036:0.005364:0.009401:0.009401:0.004036:0.009401:0.009401:0.004036:0.009383:0.009401:0.004036:0.005364:0.004036:0.009401:0.005711:0.004858
ii)  would  have  charged  a  higher  premium,  the :@0.222077:0.761863:0.613565:0.761863:0.613565:0.748085:0.222077:0.748085:0.004032:0.004032:0.005376:0.004858:0.012649:0.012091:0.010728:0.009401:0.004019:0.010728:0.004858:0.004526:0.009401:0.009401:0.009383:0.009401:0.004858:0.004526:0.009383:0.009401:0.009401:0.005382:0.010728:0.009401:0.010728:0.004858:0.003198:0.009401:0.004858:0.003198:0.009401:0.004019:0.010728:0.009401:0.009401:0.005382:0.004858:0.003198:0.010728:0.005382:0.009401:0.014765:0.004019:0.009401:0.014765:0.005364:0.004858:0.003198:0.005364:0.009401:0.009401:0.004858
insurer:@0.617776:0.761863:0.676922:0.761863:0.676922:0.748085:0.617776:0.748085:0.005364:0.010728:0.009401:0.010728:0.006727:0.009401:0.006797
  may  charge  such  higher :@0.676949:0.761863:0.887228:0.761863:0.887228:0.748085:0.676949:0.748085:0.004858:0.003257:0.014765:0.009401:0.009383:0.004858:0.003198:0.009383:0.009401:0.009401:0.005382:0.010728:0.009401:0.004858:0.003198:0.009383:0.009401:0.009383:0.009401:0.004858:0.003198:0.009401:0.004019:0.010728:0.009401:0.009401:0.005382:0.004858
premium, effective from inception, and the :@0.253024:0.775195:0.575226:0.775195:0.575226:0.761416:0.253024:0.761416:0.010728:0.005382:0.009401:0.014765:0.004019:0.009401:0.014765:0.005364:0.004036:0.009401:0.005364:0.004036:0.009401:0.009383:0.004036:0.004019:0.008073:0.009401:0.004036:0.005364:0.005382:0.009401:0.014765:0.004471:0.004019:0.009401:0.008073:0.009401:0.009401:0.004036:0.004019:0.009401:0.009401:0.005364:0.004036:0.009401:0.009401:0.009401:0.004036:0.005364:0.009401:0.009401:0.004858
insured:@0.574681:0.775195:0.636378:0.775195:0.636378:0.761416:0.574681:0.761416:0.005364:0.009401:0.009401:0.010728:0.006727:0.009401:0.010676
 shall pay such higher premium :@0.635249:0.775195:0.887085:0.775195:0.887085:0.761416:0.635249:0.761416:0.004032:0.009383:0.009401:0.009401:0.004019:0.004019:0.004036:0.009401:0.009401:0.008073:0.004036:0.009383:0.009401:0.008073:0.009401:0.004036:0.009401:0.004019:0.009401:0.010728:0.010728:0.006710:0.005364:0.012074:0.006710:0.010728:0.014765:0.005364:0.010728:0.014765:0.004858
no later than fourteen (14) days after receiving the :@0.253024:0.789465:0.633938:0.789465:0.633938:0.775687:0.253024:0.775687:0.009401:0.010728:0.004036:0.004019:0.009401:0.005364:0.009401:0.005382:0.004036:0.005364:0.009401:0.009401:0.009401:0.004036:0.006710:0.009401:0.009401:0.005382:0.005364:0.009401:0.009401:0.009401:0.004036:0.005382:0.009401:0.009401:0.005382:0.004036:0.010728:0.009401:0.008073:0.008073:0.004036:0.009401:0.005364:0.005364:0.009401:0.005382:0.004036:0.005382:0.009401:0.009383:0.009401:0.002691:0.009383:0.002691:0.009401:0.009401:0.004036:0.005364:0.009401:0.009401:0.004858
insurer’s:@0.633905:0.789465:0.706733:0.789465:0.706733:0.775687:0.633905:0.775687:0.005364:0.010728:0.009401:0.009401:0.006727:0.009401:0.006727:0.005364:0.009715
 written notice that such :@0.706569:0.789465:0.887662:0.789465:0.887662:0.775687:0.706569:0.775687:0.004083:0.012091:0.005382:0.004019:0.004036:0.005364:0.009401:0.009401:0.004036:0.009401:0.009401:0.005364:0.002691:0.009383:0.009401:0.004036:0.005364:0.009401:0.008325:0.005364:0.004036:0.009383:0.009401:0.008073:0.009401:0.004858
higher premium is payable. :@0.253024:0.802773:0.463812:0.802773:0.463812:0.788995:0.253024:0.788995:0.009401:0.004019:0.010728:0.009401:0.009401:0.005382:0.004036:0.010728:0.005382:0.009401:0.014765:0.004019:0.009401:0.014765:0.004036:0.004019:0.008073:0.004036:0.010728:0.009401:0.008073:0.009401:0.009401:0.004019:0.009401:0.004518:0.004858
10.11  Duty of fair presentation  - remedies for breach – variation  :@0.119792:0.829812:0.752581:0.829812:0.752581:0.813914:0.119792:0.813914:0.010746:0.010746:0.005383:0.012077:0.012174:0.005605:0.014590:0.014758:0.012097:0.006714:0.010766:0.006694:0.012097:0.006714:0.005383:0.006714:0.010766:0.005383:0.008044:0.005383:0.012097:0.008044:0.010746:0.010746:0.010746:0.012097:0.006714:0.010766:0.006714:0.005383:0.012097:0.012097:0.005605:0.004220:0.006720:0.005376:0.008044:0.010746:0.017520:0.010746:0.012097:0.005383:0.010746:0.010746:0.008044:0.006714:0.012097:0.008044:0.005383:0.012097:0.008044:0.010746:0.010746:0.010746:0.012097:0.007046:0.010803:0.006720:0.010746:0.010746:0.008044:0.005383:0.010746:0.006714:0.005383:0.012097:0.012097:0.006872:0.005605
If the :@0.191112:0.847498:0.234917:0.847498:0.234917:0.833719:0.191112:0.833719:0.004036:0.006710:0.004036:0.005364:0.009401:0.009401:0.004858
insured:@0.234173:0.847498:0.297199:0.847498:0.297199:0.833719:0.234173:0.833719:0.005364:0.010728:0.009401:0.010728:0.006727:0.009401:0.010676
 or anyone acting on its behalf breaches the :@0.297429:0.847498:0.628819:0.847498:0.628819:0.833719:0.297429:0.833719:0.004066:0.010728:0.005382:0.004036:0.009401:0.009401:0.009383:0.009401:0.009557:0.008073:0.004036:0.009401:0.009383:0.005364:0.002691:0.009401:0.009401:0.004036:0.010728:0.009401:0.004036:0.004019:0.004036:0.009383:0.004036:0.009401:0.009401:0.009401:0.009401:0.002691:0.005364:0.004036:0.010728:0.005382:0.009401:0.009401:0.008073:0.009401:0.009401:0.008073:0.004036:0.005364:0.009401:0.009401:0.004858
insured’s:@0.628528:0.847498:0.704030:0.847498:0.704030:0.833719:0.628528:0.833719:0.005364:0.010728:0.008073:0.010728:0.006727:0.009401:0.010728:0.004036:0.009715
 duty of fair presentation :@0.703881:0.847498:0.887380:0.847498:0.887380:0.833719:0.703881:0.833719:0.004032:0.009401:0.009401:0.005364:0.008073:0.004036:0.009401:0.005364:0.004036:0.005364:0.009401:0.004019:0.005382:0.004036:0.009401:0.005382:0.009401:0.009383:0.009401:0.009401:0.004036:0.009401:0.004036:0.002691:0.009401:0.009401:0.004858
in relation to a variation of this :@0.191112:0.860817:0.422876:0.860817:0.422876:0.847039:0.191112:0.847039:0.004019:0.009401:0.004036:0.005382:0.009401:0.004019:0.009401:0.005364:0.004019:0.010728:0.009401:0.004036:0.005364:0.010728:0.004036:0.009401:0.004036:0.009383:0.009401:0.005382:0.004019:0.009401:0.005364:0.002691:0.009401:0.009401:0.004036:0.009401:0.005364:0.004036:0.005364:0.009401:0.004019:0.008073:0.004858
policy:@0.422581:0.860817:0.472554:0.860817:0.472554:0.847039:0.422581:0.847039:0.010728:0.010728:0.004036:0.005364:0.009401:0.009715
, the :@0.472396:0.860817:0.509491:0.860817:0.509491:0.847039:0.472396:0.847039:0.004036:0.004036:0.005364:0.009401:0.009401:0.004858
insurer’s:@0.508737:0.860817:0.580237:0.860817:0.580237:0.847039:0.508737:0.847039:0.005364:0.010728:0.009401:0.009401:0.006727:0.009401:0.006727:0.004036:0.009715
 remedies shall be as follows: :@0.580057:0.860817:0.805647:0.860817:0.805647:0.847039:0.580057:0.847039:0.004066:0.005382:0.009401:0.014765:0.009401:0.009401:0.004019:0.009401:0.008073:0.004185:0.009383:0.009401:0.009401:0.004019:0.002691:0.004036:0.010728:0.009401:0.004036:0.009401:0.008073:0.004036:0.005364:0.009401:0.004019:0.004019:0.009401:0.012091:0.008073:0.005669:0.004858
a)  if such breach is deliberate or reckless, the :@0.191112:0.877952:0.549243:0.877952:0.549243:0.864173:0.191112:0.864173:0.009409:0.005426:0.004858:0.011272:0.004019:0.006710:0.004036:0.009383:0.009401:0.009383:0.009401:0.004036:0.010728:0.005382:0.009401:0.009401:0.008073:0.009401:0.004036:0.004019:0.008073:0.004036:0.010728:0.009401:0.002691:0.004019:0.009401:0.009401:0.005382:0.009401:0.005364:0.009401:0.004036:0.009401:0.005382:0.004036:0.005382:0.009401:0.009383:0.008073:0.004019:0.009401:0.008073:0.009383:0.004036:0.004036:0.005364:0.009401:0.009401:0.004858
insurer:@0.549110:0.877952:0.606928:0.877952:0.606928:0.864173:0.549110:0.864173:0.005364:0.010728:0.008073:0.010728:0.006727:0.009401:0.006797
 may: :@0.606972:0.877952:0.652253:0.877952:0.652253:0.864173:0.606972:0.864173:0.004032:0.014765:0.009401:0.008073:0.004153:0.004858
i)  by notice to the :@0.222077:0.895062:0.376017:0.895062:0.376017:0.881283:0.222077:0.881283:0.004032:0.005360:0.004858:0.016698:0.010728:0.009383:0.004036:0.009401:0.010728:0.005364:0.004019:0.008073:0.009401:0.004036:0.005364:0.009401:0.004036:0.005364:0.009401:0.009401:0.004858
insured:@0.375504:0.895062:0.437202:0.895062:0.437202:0.881283:0.375504:0.881283:0.005364:0.009401:0.009401:0.010728:0.006727:0.009401:0.010676
 treat this :@0.436072:0.895062:0.510765:0.895062:0.510765:0.881283:0.436072:0.881283:0.004032:0.005364:0.005382:0.009401:0.009401:0.005364:0.004036:0.005364:0.009401:0.004019:0.008073:0.004858
policy:@0.510081:0.895062:0.558808:0.895062:0.558808:0.881283:0.510081:0.881283:0.010753:0.010786:0.004036:0.004036:0.009401:0.009715
 as having been terminated from the time :@0.558552:0.895062:0.887007:0.895062:0.887007:0.881283:0.558552:0.881283:0.004032:0.009401:0.009383:0.004036:0.009401:0.009401:0.009383:0.002691:0.009401:0.009401:0.004036:0.010728:0.009401:0.009401:0.009401:0.004036:0.005364:0.009401:0.005382:0.013437:0.004019:0.009401:0.009401:0.004036:0.009401:0.009401:0.004036:0.006710:0.006710:0.010728:0.016145:0.005364:0.006710:0.010728:0.010728:0.005364:0.005364:0.005364:0.016145:0.010728:0.004858
when the variation was concluded; and  :@0.253024:0.909350:0.555311:0.909350:0.555311:0.895572:0.253024:0.895572:0.012091:0.009401:0.009401:0.009401:0.004036:0.005364:0.009401:0.009401:0.004036:0.009383:0.009401:0.005382:0.004019:0.009401:0.005364:0.004019:0.010728:0.009401:0.004036:0.012091:0.009401:0.009383:0.004036:0.009383:0.009401:0.009401:0.008073:0.004019:0.009401:0.009401:0.009401:0.009401:0.004036:0.004036:0.009401:0.009401:0.009401:0.004702:0.004858