Motor insurers exclude mechanical and electrical breakdown from the own damage’ section of a comprehensive policy. If the breakdown, e.g. brake failure, causes an own damage’ accident, the damage will be covered but not the repair of the brake. However, if the breakdown is the result of failure to observe the reasonable care condition the insured may get no cover except for the compulsory insurance elements of his policy and then subject to the insurer’s right to recover the amount paid.

1. Covers the cost of breakdown of household appliances or motor vehicles. 2. See AVIATION MECHANICAL BREAKDOWN INSURANCE.

Activities set out in the Regulated Activities Order 2001 as amended. The activities are: (a) introducing, proposing or carrying out other work preparatory to the conclusion of contracts of insurance; (b) concluding contracts of insurance; (c) assisting in the administration and performance of contracts of employment, particularly in the event of a claim. The FSA does not intend to regulate claims handling on behalf of insurance companies, expert appraisal or loss adjusting. Travel insurance sold as part of a holiday package is not a regulated mediation activity. See INSURANCE MEDIATION DIRECTIVE.

Report from proposer’s doctor under non-medical schemes involving life cover.

Mutual nonprofit organisation owned by its members -health professionals (doctors, dentists, etc.) providing: conduct of legal proceedings, risk management advice and professional indemnity insurance up to £10 million for any legal liability based on injury due to clinical negligence. Cover applies within the UK and in respect of ‘Good Samaritan’ acts worldwide. An individual assistance policy offers cover on personal injury following malicious attack, loss/damage to professional equipment and legal defence costs (health and safety, data protection, tax investigations). The customised practice policy is a buildings and contents policy including employers’ liability, an item on drugs and medical stock and an emergency helpline.

Trustees appointed specifically in their capacity as scheme members whose appointments have been influenced by other members. This includes selection by a trade union. Not all member trustees are member-nominated trustees within the meaning of PA 1995. Under PA 1995 occupational scheme members have the right to select at least one-third of the trustees, unless the members have approved an alternative proposal by the employer. Previously the employer alone could appoint or remove trustees.