22.1.6 Terms of insurance

All required insurance policies must, at a minimum, include:

(a) a breach of condition or warranty / severability / non-vitiation provision acceptable to government;

(b) a provision requiring at least 30 days notice to be given to government prior to cancellation or amendment; and

(c) where government is an insured under the policy:

(i) a provision requiring the policy to operate as if each was a separate policy of insurance covering each insured party;

(ii) a stipulation that failure by any insured to observe and fulfil the terms of the policy or to comply with the duty of disclosure will not prejudice the insurance of any other insured;

(iii) a waiver of subrogation of all rights against any of the insured parties;

(iv) notice of a claim by any insured will be accepted by the insurer as notice by all insured.

(d) a provision requiring the approval of the government in writing to any exclusion, endorsement or alteration.77

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77 Requirements which refer to multiple insured parties are not applicable where there is only one insured party.