Sales that are not conducted face-to-face, such as sales through the post, over the Internet or telephone or by fax or digital television. FSA rules take account of the Distance Marketing Directive. The initial contact disclosure for telephone sales involves disclosing the name of the firm, and, if the contact is initiated by the firm, the purpose of the contact. The name of the person in contact with the customer must also be given and his link with the firm. See DISTANCE NON-INVESTMENT MEDIATION CONTRACT.

the means by which a direct insurer markets its products to prospective policy holders (for example, agents, brokers, branches).

Factor in the rating of motor insurance premiums. The incidence of vehicle accidents varies directly with the density of the population in given districts. Private car insurers generally divide the country into six districts for this purpose while commercial vehicle insurers use three districts for goods-carrying vehicles.

The provision of Lloyd’s Act 1982 that the Council of Lloyd’s shall not permit a Lloyd’s broker to continue to act in that capacity if it is associated with a managing agent.

The priority given to an assignee under the Policies of Assurance Act 1867 when a deed assigning a life policy has been executed and proper notice given. Until notice is given the assignee has no right to sue under the deed and the Act provides that the date on which notice is received shall regulate the priority of all claims – this is known as the doctrine of priority. See ASSIGNMENT.

Boilers not used in trade processes but this does not preclude their use in business premises exclusively for domestic’ purposes such as central heating, supplying hot water for hand washing or use in the works canteen. The term is important as the standard fire policy provides cover for explosion damage caused by boilers used for domestic purposes only. In the same way the standard fire policy covers explosion caused by gas supplied for heating, etc.

Unlimited liability for injury to domestic employees is covered under the household contents policy. As domestic employees are employed in a household not a business, compulsory insurance does not apply.