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.

Lord Fraser’s expression in the House of Lords case of Pirelli v. Oscar Faber & Partners (1983). Held: the cause of action, in property damage claims based on negligence, accrued at the time of the damage and not the time of discovery/discoverability for the purpose of the six-year limitation period. Lord Fraser qualified this by saying that a building could be so defective as to be ‘doomed from the start’ so causing the time to run from completion. Lord Fraser’s qualification created the risk that owners of properties with latent defects could run out of time even before sustaining or discovering damage. The Latent Damages Act 1986 remedies the problem.

Certain personal accident policies pay twice their normal benefits if the injury or death has been caused under specified circumstances, usually meaning injury following an accident involving a road or rail conveyance.

Endowment insurance whereby the amount payable on maturity is twice the amount payable on death within the policy term. It combines an endowment insurance with a pure endowment for the same sum or is structured as a term insurance for a particular sum linked to a pure endowment for double that sum. It can be offered to impaired lives as an alternative to extra premiums.

Vessels involved with sprinkling or suction, which normally work in ports or inland waterways. Cover is normally granted under the Institute Port Risk Clauses covering: 1. Loss or damage, 2. Third party liabilities except in of respect employees. A dredger proprietor with a registered office in London must effect an employers’ liability insurance. However, insurance is not compulsory for injury or disease suffered or contracted outside Great Britain.