The London Aircraft Insurance Policy used worldwide, except by large airline insurances who use ‘manuscript’ policies. Cover under the 98 form: (a) accidental loss/damage (including disappearance), emergency safety expenses; (b) legal liability to third parties excluding passengers; (c) legal liability to passengers excluding the employer’s liability risk. There are section-specific exclusions and general exclusions. See AVIATION HULL ALL RISKS; AVIATION LEGAL LIABILITY INSURANCES.

Clause in motor insurance and employers’ liability policies compulsory insurances (Road Traffic Act and Employers’ Liability (Compulsory Insurance) Act 1969). The legislation restricts the right of insurers to rely upon breaches of certain policy conditions to avoid a claim. The conditions mainly relate to matters that should or should not be done by the insured after the event, e.g. giving proper notice and not admitting liability. The insurer is entitled to recover his loss from the insured where payment is made solely because of the legislation. See APPROVED POLICY; PROHIBITED CONDITIONS.