Certain non-investment insurance contracts that are sold by providers of non-motor goods (domestic electrical goods) and services related to travel, e.g. non-motor extended warranties and travel insurance sold with a holiday that are not subject to FSA rules on selling and administration.

Pension scheme rule under SSASs preventing the scheme from dealing with members or connected persons in terms of buying, selling, leasing, etc. In the case of past members three years must elapse before the scheme can purchase an investment owned by a previous member or connected person.

1. Broken sequence of events. If an insured peril has been preceded by excepted perils, they will be disregarded given the break in the chain of causation. If the insured peril intervenes and causes the loss it is the proximate cause. 2. Unbroken sequence of events. When the insured peril is the natural and probable consequence of an excepted peril, the excepted peril is the proximate cause. When the excepted peril is the natural and probable consequence of the insured peril the latter is the proximate cause of the loss. See CONCURRENT CAUSES.

Means in perfect agreement’, i.e. of the same mind. Contracts are founded upon agreement although the parties will be judged by what they appeared to mean and not what they may have intended to mean.
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Both parties to a contract should agree to the same thing in the same sense. the consent must arise out of common intention. There will be no consensus if either of the parties or both of them are under an erroneous impression as to some circumstances affecting the contract.