Defense costs are usually provided by the policy and the costs are generally within the limits. By market agreement there are certain minimum limits. Defense costs are outside the limits. Coverage applies to the Insured and any licensed individual driving with the Insured's permission. Passengers are not covered as they are not considered Third Parties.
Most large companies purchase an excess coverage.
Extra-Territorial, Medical Expenses and Occupational Disease benefits are included under the Scheme. Imported cargo must be written by a locally licensed Insurer. Forms follow the Institute of London Underwriters. War risk rates follow London scale. Also, burglary, robbery, and a variety of bonds.