A goods in transit policy warranted that vehicles would be in ‘locked garages at night’, except when employed on night journeys, but then never left unattended (A. Cohen & Co. Ltd v. Plaistow Transport Ltd (Graham, Third Party) (1968)). McKenna J. stated, obiter, that night should be construed by reference to lighting up time.

Goods in transit clause to warrant that vehicles left loaded overnight must not be unattended unless locked and immobilised in accordance with any such provision in the policy. It may also be required that such vehicles be left either in a building or yard, which is also securely closed and locked, or in an attended official car park. See NIGHT.

Certifies that a transfer value is not to be used to provide retirement benefits in lump sum form, such as on a transfer from an FSAVC scheme.

Leakage through the failure of the nipple joints of boiler or pressure plant. The cost of repair can be covered as an extension to a boiler and pressure plant policy. The extension covers ‘self damage’ only. Damage consequent upon the leakage is not covered as separate water damage cover is available under burst pipes cover. See ADDITIONAL PERILS.