Conditions whereby hauliers accept liability for loss, misdelivery or damage for goods unless an exception (e.g. inherent vice, Act of God) applies. Liability is limited to £1,300 per tonne not exceeding the value of the consignment. Physical loss, misdelivery or non-delivery must be notified within 7 days and a claim made within 14 days of termination of the transit. Other losses need to be notified and claimed within 28 and 42 days respectively. All liability ends if the goods owner does not commence legal proceedings within one year from commencement of the transit. Liability for consequential loss is capped at the amount of the carriage charges. There is no liability for livestock, bullion, money, precious metals, etc., unless specially agreed. See HAULIERS’ LIABILITY.

Offered by some private car insurers as part of the car insurance. Covers the cost of call-out and roadside repairs (subject to exceptions), vehicle recovery to a garage, hire car to continue a journey or return home, rail fare to cover cost of collecting the car after repair, transportation of the car and occupants to destination or home or overnight hotel accommodation up to specified limits.

Motor trade policy permitting driving of own and customers vehicles on a road or temporarily garaged during a journey. Use of vehicles is restricted to motor trade use and social, domestic and pleasure. There are wide ranging options for driving by the insured, the insured’s spouse, employees and friends and named additional drivers. Further extensions include loan and hire, unaccompanied demonstration, private hire or windscreen cover. Cover can be comprehensive, third party fire and theft or third party. Risks on the insured’s premises are covered under internal risks policies. See POINTS BASIS; NAMED DRIVER BASIS; TRADE PLATE BASIS.

It is unlawful to use, or permit use of, a motor vehicle on a road without a third party policy or security (s.143). Minimum cover is liability for death or injury and for property damage up to £250,000 under a policy issued by an authorised insurer belonging to the Motor Insurers’ Bureau and meeting EC requirements. The policy must also cover emergency treatment. The insurer’s right to avoid an ‘Act’ claim is restricted (s.148). See ACT ONLY POLICY; CAR SHARING; MOTOR INSURANCE CERTIFICATES.