Common use of Policy structure Clause in Contracts

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 named 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 The General exclusions set out limitations and exclusions that apply to all insured sections. 1.3.3 The following general terms apply to all insured sections, clauses and endorsements: a) duties in the event of a claim; b) general terms and conditions; c) general definitions; d) complaints.