Car groups

The 20 used by motor groups insurers for rating purposes; the higher the group number, the higher the premium. Groups reflect the cost of replacement parts, ease of carrying out repairs, purchase price, performance and level of security. Expensive high performance cars are in the highest group.

Car sharing

Where the passenger receiving a ‘lift’ pays the driver. The Road Traffic Act 1988, s.150, allows the car user to share the running costs with his passenger(s) without this being regarded as ‘hire or reward’ and therefore the subject of a policy exclusion. The vehicle must not be adapted for more than eight passengers and the contributions must not exceed running costs.

Care

Providing to an individual hospital accommodations, comfort, diagnosis, and treatment of a condition and implying responsibility for services, equipment, supplies, and rehabilitation.

Care and Wages for Maintenance

An admiralty law provision for coverage for injured seamen. Maintenance refers to providing food, shelter, and rehabilitation while the seaman is injured. Care refers to the medical treatment necessary for recovery. Wages, of course, refers to the usual seaman’s wages, which under this law, must be paid even during an illness or after an accident.