If an insurance term or condition (as opposed to a risk (see paragraph 29.5) becomes unavailable, the Contractor should not be obliged in the Contract to hold an insurance policy with that particular term unless there is an alternative or replacement term which can be procured instead. The Contract treats the unavailability of terms like a Relief Event (see paragraph 21) and the Contractor will be given relief from that obligation and the Board may get a reduction in the Monthly Service Payment to reflect the reduced costs of insurance (as a result of the term not being available).