Lots of people know that being overly fat can be bad for your health. Carrying too much weight can cause an increased risk for diabetes, joint problems and heart problems. When one considers this and the numerous other problems which being extremely overweight of obese can cause, it's no surprise that doctors and healthcare workers so frequently urge people to exercise more regularly, eat more healthily and to lose a little weight.Given that...more
Having car insurance is for sure one of the best things that you can do to protect yourself from any possible problem in the future. For those who owns a car and plans them for a long time, then having one is highly recommended. Paying monthly premiums is expected when availing car insurance. However, for people who are planning to rent a vehicle for only a few days, how can you protect yourself and the company? Believe it or not, you can, too...more
In the course of his analysis of reported cases, Mustill J referred to a useful quote from Lord justice Farrell, in the case of the Republic of Bolivian. Indemnity Mutual Marine Co. Ltd. [1909] 1 KB 785, in which Farrell LJ quoted from a history of the American Civil War that: "a civil war.. .is never formally declared: it becomes such by its accidents—the number, power and organisation of the persons who originate, and carrying it on. When the party in rebellion occupy and hold in a hostile manner a certain portion of territory, have declared their independence, have cast off their allegiance, have organised armies, have commenced hostilities against their former Sovereign, the world acknowledges them as belligerents and the contest as a war." Whilst adopting that as one form of civil war, the court did not consider it to be an exclusive definition. Nevertheless, an argument put forward by the insurers that if the events in Lebanon amounted to treason then it must constitute a civil war was dismissed. Such an argument was considered to be more relevant to "usurped power". The court relied upon the basic rule of construction, namely the first step was to decide...more
Finally, when dealing with the character and scale of the conflict, was it necessary for each faction to hold a specific portion of territory? Probably not. although it was certainly a factor to take into account together with: - the number of combatants; - the number of casualties, military and civilian; - the amount and nature of...more
Riot can be distinguished from the other excluded violent acts in that, from a practical point of view, it is more frequently covered by ARPI policies, either in the main policy or by way of an extension. It also is limited to internal strife without any necessity for political overtones. It is for this reason, namely that it has less...more
The key to the definition of riot is that the elements of riot must occur at or about the same time. It is not, for example, sufficient for the violence to have been perpetrated by differing individuals at differing places at differing times and the violence must be threatened in the course of fulfilling the combined intention of the rioters, not subsequent to the occurrence or in the course of escape. Finally, the Public Order Act 1986 has abolished the common law offence of riot and replaced it with a statutory offence. The main difference between the common law offence and the statutory offence is that the number of persons who must be involved in the violence has been increased from three to 12. Should this new definition now be incorporated into insurance law? Certainly, the definition does seem to apply to marine insurance as specifically provided by section 10(2) of the Act. There is no reference to non-marine insurance, but it seemed reasonable to assume that if the court is to impute to the parties an intention to incorporate the criminal law definition of riot into the insurance contract then it should be the current definition and not one that has since...more
Rebellion and insurrectionThe court relied upon the definition of rebellion as described in the Oxford English Dictionary as: "Organised resistance to the ruler or government of one's. country; insurrection, revolt." Although there may...more
Various plans are available for travel insurance comparison. Some companies offer bundle, medical, evacuation and accident coverage. If desired, these travel insurance plans may be customized according to specific needs and target...more
Are you familiar with supplemental health care insurance? Many people are not; these days, most people sign up with their employer-sponsored health care insurance plans, or purchase individual health care insurance plans if their employers do not...more
If you have a commercial building insurance, your policy will contain a clause known as "the average clause". Whilst there are many clauses, conditions and warranties within every policy, some are more important than others. The average...more
Many people fear that when they ship with a courier company, that their precious cargo is going to get delivered to the wrong address, or damaged in some fashion. In the real world, these events take place only very rarely, and most shipments arrive...more
Today, anybody and everybody, has insurance of some sort. Either they believe in insuring themselves and their loved ones, or in insuring their vehicles! In India and in most other places, vehicle insurance is mandatory. The amount your...more