Accident, Personal and Life Insurance - The Legal Perspective

Life Insurance
- The Proposed Form
- Non-Disclosure and Misrepresentation
- material and non-material facts
- 'basis clause'
- Insurable Interest
- time at which insurable interest must exist
- who has an insurable interest
- The Policy Contents
- Assignment
- Proof of Death
- Payment

Personal Accident Insurance
- The Proposed Form
- The Contents of Policy
- The Event Insured Against
- 'bodily injury'
- accident
- death or disablement
- Exceptions in the Policy
- Proximate Cause
- The Claim
- notice of accident
- proof of loss
- amount recoverable

Industrial Assurance
- powers of industrial assurance companies
- rights of owner of policies
- collectors and premium receipt books
- disputes

Guarantee Insurance
- differences between insurance and guarantee
- fidelity insurance
- solvency insurance

Reinsurance
- All Risks- Insurance
- contents of policy
- what constitutes loss
- burden of proof
- contractors "all risk" policies
- Transit Insurance
- War Risks Insurance
- Aviation Insurance
- loss or damage to aircraft
- third party liability
- legal liability to passengers
- exclusions
- warranties and general conditions
- Householder's Comprehensive Insurance
- perils insured against
  - building
  - contents
- public liability
- accidents to employees
- exceptions and conditions

Property Insurance

Introduction
- types of property insurance policies
- reinstatement
- indemnification and loss
- subrogation

Burglary Insurance
- definition of 'burglary', 'theft' and 'robbery'
- the proposed form
- alteration of the risk
- exceptions - war etc
- proceedings after loss, police report
- calculation of amount recoverable

Liability Insurance
- public liability insurance
- professional indemnity insurance
- employers' liability insurance