The Insurance protection for (i) own damage loss to cart/Tonga/coach by accidental external means, fire, explosion, Act of God Perils, malicious act including riot and strike including any of these perils whilst in transit by road, rail or inland waterways. (ii) against death or permanent total disablement of the animal used for pulling or driving the carriage due to accident caused whilst attached to the cart/Tonga/coach (iii) against third party liability (iv) for death or disablement of the driver due to accident whilst mounting into or dismounting from or driving the cart/Tonga or coach. Animals to be used for driving/pulling of cart/Tonga are Male Buffalo, Bullock, Castrated Bullock, Horse, Mule, Donkey, Camel, Yak.
Tag: RAW
Animal Husbandry
The raising of domesticated animals as cattle, sheep, horses etc.
Animal Insurance
See: “Cattle Insurance.”
Animal mortality insurance (livestock)
A form of life insurance for livestock, zoological, and domesticated animals. Normally covers death from any cause (with some exceptions), as well as voluntary destruction for humane reasons. Also available on a named perils basis.
Animals Act 1971
Provides that, where damage is caused by an animal of dangerous species the keeper, subject to exceptions, will be strictly liable. In the case of an animal of non-dangerous species the keeper will be liable for the damage that, to the keeper’s knowledge, that particular animal is likely to cause (s.2). A trespasser cannot generally recover damages (s.5(3)). The keeper of a dog is strictly liable for killing or injuring livestock subject to certain defences.
Annexes clause
The clause in a standard fire policy on buildings that brings outbuildings and the like within the scope of the cover.
Anniversary
See: anniversary date.
Anniversary date
1. Start of a benefit year for an insured subscriber group; date on which a policy was issued. 2. Date an employee begins a new year of employment. Also called anniversary or policy anniversary.
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The anniversary of the original date of issue of a policy as shown in the declarations.
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US: In policies with a term that exceeds 1 year, the anniversary of the policy inception date. For 1-year policies, this term can also be used to refer to the policy’s renewal date.
Anniversary Reinsurance
This is the date for renewal of a reinsurance contract whether the contract actually expires or is continuous. The date is usually twelve months from the effective date of the contract. In provisions dealing with run off of contracts the anniversary date is that of the underlying policies and not the reinsurance contract.
Announcement material
Brochures, bulletins, memos, and advertisements used to solicit, enroll, and explain an insurance program.