Version status: Applicable | Document consolidation status: Updated to reflect all known changes
Version date: 1 January 2016 - onwards
  Version 3 of 3    

Annex I, Part A Classification of risks according to classes of insurance

1. Accident (including industrial injury and occupational diseases):

  • fixed pecuniary benefits,

  • benefits in the nature of indemnity,

  • combinations of the two,

  • injury to passengers,

2. Sickness:

  • fixed pecuniary benefits,

  • benefits in the nature of indemnity,

  • combinations of the two,

3. Land vehicles (other than railway rolling stock)

All damage to or loss of:

  • land motor vehicles,

  • land vehicles other than motor vehicles,

4. Railway rolling stock

All damage to or loss of railway rolling stock.

5. Aircraft

All damage to or loss of aircraft.

6. Ships (sea, lake and river and canal vessels)

All damage to or loss of:

  • river and canal vessels,

  • lake vessels,

  • sea vessels,

7. Goods in transit (including merchandise, baggage, and all other goods)

All damage to or loss of goods in transit or baggage, irrespective of the form of transport.

8. Fire and natural forces

All damage to or loss of property (other than property included in classes 3, 4, 5, 6 and 7) due to:

  • fire,

  • explo