Policy wordings are drafted so that they do not contain terms the Act makes void: an interim contract term making cover depend on a proposal being submitted or accepted (s 38(1)); a pre-dispute arbitration requirement or limit (s 43); an 'other insurance' clause that limits or excludes liability because the insured has other non-compulsory insurance, except true excess-of-loss cover (s 45); any term that excludes, restricts or modifies the Act to someone else's prejudice (s 52); and a term letting the insurer vary the contract to someone else's prejudice, outside classes the Regulations exempt (s 53). An insurer under an interim contract stays liable while a replacement proposal is pending (s 38(2)).
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