... Office of the Commissioner of Insurance 2015 Annual Report ANNUAL REPORT Supervision • Protection • Development 2015 Contents Mission Statement 3 Key Indicators 5 Insurance Industry Statistical Highlights 8 Message from the Commissioner 12 Work of the Insurance Authority 15 General Insurance Busine...

...), i.e. loss of or damage to the insured vehicle. Two things should be noted: (i) Theft claims are only admissible if the whole machine is stolen. Loss of accessories alone is therefore not covered. (ii) There is usually a standard excess in respect of any loss of or damage to the insured machine (other...

... applicable to private cars, except for: (a) “Own Damage/Accidental Damage” (OD/AD), i.e. loss of or damage to the insured vehicle. Two things should be noted: (i) Theft claims are only admissible if the whole machine is stolen. Loss of accessories alone is therefore not covered. (ii) There is usually a...

...), i.e. loss of or damage to the insured vehicle. Two things should be noted: (i) Theft claims are only admissible if the whole machine is stolen. Loss of accessories alone is therefore not covered. (ii) There is usually a standard excess in respect of any loss of or damage to the insured machine (other...

... Supplement to GL3 Guideline on Anti-Money Laundering and Counter- Terrorist Financing (For authorized insurers and reinsurers carrying on long term business, and licensed individual insurance agents, licensed insurance agencies and licensed insurance broker companies carrying on regulated activitie...

... Supplement to GL3 Guideline on Anti-Money Laundering and Counter- Terrorist Financing (For authorized insurers and reinsurers carrying on long term business, and licensed individual insurance agents, licensed insurance agencies and licensed insurance broker companies carrying on regulated activitie...

... GL3 Guideline on Anti-Money Laundering and Counter- Terrorist Financing (For authorized insurers, reinsurers, appointed insurance agents and authorized insurance brokers carrying on or advising on long term business) Insurance Authority November 2018 Contents Page Chapter 1 Overview ..................

... Guideline on Anti-Money GL3 Guideline on Anti-Money Laundering and Counter- Terrorist Financing (For authorized insurers and, reinsurers, appointed insurance agents and authorized insurance brokers carrying on or advising on long term business, and licensed individual insurance agents, licensed ins...

... Appendix A GL3 Guideline on Anti-Money Laundering and Counter- Terrorist Financing (For authorized insurers, reinsurers, appointed insurance agents and authorized insurance brokers carrying on or advising on long term business) Insurance Authority June 2017March 2018 Contents Page Chapter 1 Overvie...

... inferred from conduct is where someone picks up a newspaper from a street vendor and where their body language clearly indicates a purchase. Technically, a contract is formed between the seller and buyer, with the acts of handing over and accepting the money for the newspaper: no words or writing are...