the contract includes cover for risks relating to accident or sickness;

the contract contains related and subsidiary provisions such that it might also be regarded as a contract of general insurance, but is treated as a contract of long-term insurance for the purposes of any relevant order made under section 22 of the Financial Services and Markets Act 2000; and

the contract was not entered into after 30th November 1993,

medical, dental or optical, consultation, diagnosis or treatment;

alternative or complementary medical treatment or therapy;

convalescent care;

goods or services related to any of the above;

payment or reimbursement of, or a grant towards, the whole or part of the cost of any of the above;

payment of a specified sum for optical, dental or medical appointments;

payment of a specified sum for each specified period of treatment as a hospital in-patient;

payment of a specified sum for each specified period of convalescent care; or

payment of a specified sum, except one to which sub-paragraph (6) below applies, when a person is diagnosed as requiring or has undergone a specified medical procedure.

to be suffering from a disability which so impairs his ability to carry out normal activities of daily living that he requires long term care, supervision or assistance; and

to have been suffering from the disability for a continuous period of not less than 4 weeks.

the vehicle is used, or intended for use, by a handicapped person in receipt of a disability living allowance F22, or personal independence payment, by virtue of entitlement to the mobility component F23, or of an armed forces independence payment F27, or of a mobility supplement or of disability assistance for children and young people by virtue of entitlement to the mobility component;

the insured lets such vehicles on hire to such persons in the course of a business consisting predominantly of the provision of motor vehicles to such persons; and

the insured does not in the course of the business let such vehicles on hire to such persons on terms other than qualifying terms.

the Department for Work and Pensions;

the Department of Health and Social Services for Northern Ireland; F28...

the Ministry of Defence F29; or

the Scottish Ministers,

“handicapped” means chronically sick or disabled;

“disability living allowance” means a disability living allowance within the meaning of section 71 of the Social Security Contributions and Benefits Act 1992 M1 or section 71 of the Social Security Contributions and Benefits (Northern Ireland) Act 1992 M2;

personal independence payment” means a personal independence payment under Part 4 of the Welfare Reform Act 2012 or the corresponding provision having effect in Northern Ireland;

“armed forces independence payment” means an armed forces independence payment under a scheme established under section 1 of the Armed Forces (Pensions and Contributions) Act 2004;

“mobility supplement” means a mobility supplement within the meaning of article 26A of the Naval, Military and Air Forces etc. (Disablement and Death) Service Pensions Order 1983 M3, article 25A of the Personal Injuries (Civilians) Scheme 1983 M4, article 3 of the Motor Vehicles (Exemption from Vehicles Excise Duty) Order 1985 M5 or article 3 of the Motor Vehicles (Exemption from Vehicles Excise Duty) (Northern Ireland) Order 1985 M6F31;

“disability assistance for children and young people” means a category of disability assistance specifically for children and young people given in accordance with regulations made under section 31 of the Social Security (Scotland) Act 2018.

accidents,

ships, or

liabilities of ships,

of a gross tonnage of 15 tons or more; and

not designed or adapted for use for recreation or pleasure.

accidents,

ships, or

liabilities of ships,

“lifeboat” has the meaning given by paragraph 5(3) above; and

“lifeboat equipment” means anything used or to be used solely in connection with a lifeboat.

accidents,

aircraft, or

aircraft liability,

of a weight of 8,000 kilogrammes or more; and

not designed or adapted for use for recreation or pleasure.

accidents,

goods in transit,

fire or natural forces,

damage to, or loss or malfunction of, property, or

general liability to third parties,

the “operation of a spacecraft” means the launch, flight, orbit or re-entry of a spacecraft, and

“spacecraft” includes all component parts of its launch vehicle.

P’s head office or any of P’s agencies or branches, or

any permanent presence of P (which need not take the form of a branch or agency and, for example, may consist of an office managed by P’s staff or by a person who is independent of P but who has permanent authority to act for P as if the person were an agency).

railway rolling stock, or

general liability to third parties,

fire or natural forces,

damage to property, or

general liability to third parties,

the tunnels described in section 1(7)(a) of the Channel Tunnel Act 1987;

the control towers situated in the terminal areas described in section 1(7)(b) of that Act; and

the shuttle crossovers, wherever situated.

fire or natural forces,

damage to property, or

general liability to third parties,

any ventilation, cooling or electrical plant used or to be used in connection with any such operation; and

any safety, signalling and control equipment which is or is to be so used.

roads, bridges, platforms, ticket offices and other facilities for the use of passengers or motor vehicles;

administrative buildings and maintenance facilities; and

railway track or signalling equipment which is not situated in any part of the Channel tunnel system,

begins and ends outside the United Kingdom;

begins outside but ends in the United Kingdom; or

ends outside but begins in the United Kingdom.

a contract to make a relevant supply of goods, or a supply of services, or both, to an overseas customer;

a contract to supply to a person who is to export goods services consisting of the valuation or testing of, or other work carried out on, those goods where the condition mentioned in sub-paragraph (3) below is satisfied;

a contract to supply services to a person in order that he may comply with a legally binding obligation to make a supply of services to an overseas customer.

“export” means export from the United Kingdom and cognate expressions shall be construed accordingly; and

any reference to a person who is to export goods shall be taken as including a reference to a person at whose direction the insured is to export them and the reference in sub-paragraph (3) above to the person exporting goods shall be construed accordingly.

credit of the description in sub-paragraph (1) above; and

loss resulting from the insured or any third party being required to pay the amount of any bond or guarantee against non-performance by the insured of the contract which involves him making the supply,

it relates only to loss resulting from a change in the rate at which the price for a supply which is or may be made by the insured may be exchanged for another currency; and

the conditions mentioned in sub-paragraph (2) below are satisfied.

the insured is a person carrying on business in the United Kingdom;

the contract of insurance concerns a contract to make a relevant supply of goods, or a supply of services, or both, to an overseas customer (whether or not the contract to make the supply is one into which the insured has entered, or one for which he has tendered or intends to tender); and

the period of cover for the risk expires no later than the date by which the whole of the price for the supply is to be paid or, where the contract has not been entered into, would be required to be paid.

loss of the description in sub-paragraph (1)(a) above; and

loss relating from a change in the rate at which the price of goods which the insured imports into the United Kingdom for the purpose of enabling him to make the supply concerned may be exchanged for another currency,

the person to whom the relevant financial facility is provided is an overseas customer;

it is provided in order that he may comply with a legally binding obligation to receive a relevant supply of goods, or a supply of services, or both, from a person carrying on business F19. . .; and

the making of an advance;

the issue of a letter of credit or acceptance of a bill of exchange;

the giving of a guarantee or bond; or

any other similar transaction entered into in order to provide a customer with the means to pay, or a supplier with the right to call upon a third party for, the consideration for goods or services.