Regulation 12(3) of the Workplace (Health, Safety and Welfare) Regulations 1992 (and other regulations): ‘all floors, steps, stairs, passages, and gangways shall, so far as is reasonably practicable, be kept free from any obstruction and from any substance likely to cause a person to slip’. This is the lowest of the duties (compare with properly maintained and all practicable steps). The occupier can weigh the cost against the risk and the expected efficacy of the measures. Reasonable practicability is considered stricter than negligence and it is for the employer to prove that compliance was impracticable.

Personal pension built up solely of national insurance contribution rebates paid by DWP to the pension provider. It applies whenever a member has elected to contract out of the state second pension by means of a personal pension but makes no actual contributions.

The taking up of arms traitorously against the government of the state. It is a graver form of insurrection for general purposes in which there is usurped power amounting to treason. (F.H. Jones).

The cost of rebuilding premises following its destruction by an insured peril. The amount, taking into account professional fees and debris removal, should represent the sum insured under a buildings reinstatement insurance. The ABI’s guide on buildings costs is drawn from the ‘Guide to House Rebuilding Costs’ published by the Building Cost Information Service of the Royal Institution of Chartered Surveyors. Received for shipment bill The bill of lading issued prior to shipment stating the particulars of goods and their apparent condition. Under the Carriage of Goods by Sea Act 1971 such a bill may be demanded by a shipper from the shipowner.

A duty, such as the duty of utmost good faith that attaches to both contracting parties.

UK agreements with other countries entitling travellers in those countries to obtain free or reduced rate medical attention under local national health provisions. As a travel policyholder bears the first portion of a medical expenses claim, the UK traveller should produce form E111 (obtainable from the Department of Social Security) to receive a full indemnity in the event of receiving treatment.

The opening clause of the policy reciting names of the parties and stating that the insured has applied for the contract of insurance. The clause is also called the ‘Preamble’.

income or gains are said to be recognised when credit is taken for them in, for example, the life revenue account; recognised gains are not necessarily realised gains.