Article 5.

(1) Any condition under which the existence or the amount of the liability of the insurer or guarantor depends on any specified thing being done or omitted to be done after any negligent use of a vehicle, where such use is covered by the approved policy of insurance or approved guarantee.

(2) Any limitation or restriction on the persons or classes of persons or the physical or mental condition of persons whose driving of a vehicle is covered by the approved policy of insurance or approved guarantee, except conditions which limit the persons so covered in any one or more of the following ways: -

(a) by specifying by name the persons to be so covered,

(b) by specifying by name the persons not to be so covered,

(c) by specifying by name persons whose employees are to be so covered,

(d) by requiring persons so covered to be accompanied by a named person or an employee of a named person,

(e) by requiring persons so covered to have the consent of a named person to such driving,