Rules & policy wordings

Rule Book

The 2021 Rules will apply to any policy of insurance with ITIC which commences, or renews, on or after 1st June 2021. For a full comparison of the rule changes please download the comparison PDF below. Please contact us if you require any clarification.

Translations of ITIC's Rule Book are for information purposes only and no reliance should be placed upon them for the purposes of any insurance provided by ITIC. In case of any discrepancy between the translation and the English text, the English text will prevail

2021 Rules

Download the 2021 Rules

Download the German translation

Here are the 2021 rules of ITIC. They are designed to be used as an electronic document and if you are viewing the interactive pdf and you click on a link (blue text and underlined) you can go back to your previous position in the document in two ways*:

Option 1 
Alt / left arrow will take you back to the previous view

Option 2
Right click when your cursor is on the tool banner and click Show Page Navigation Tools and tick Previous View the back button will appear in the tool bar

*Please note: in order to be able to navigate ITIC's Rules 2021 in this manner you must have downloaded a copy of the Rules.

2021 Rules amendment explanation

Download the 2021 Rules amendment explanation

ITIC Rules have provided a consistent policy wording that is well known to members and their insurance brokers. The 2021 edition of the Rules does not represent a significant departure from the cover in the 2017 Rules. However, in line with market practice ITIC’s reinsurers have required additional exclusions in relation to Coronavirus and cyber attacks. The need to incorporate these exclusions into the Rules has given rise to the issue of a 2021 edition. At the same time, some further amendments have been made where it was felt that, while not altering the cover, greater clarity could be provided. Details have been provided in the above ITIC Rules amendment explanation document.

2017 Rules

Download the 2017 Rules

Download the Chinese translation
Download the French translation
Download the German translation
Download the Spanish translation

Here are the 2017 rules of ITIC. They are designed to be used as an electronic document and if you are viewing the interactive pdf and you click on a link (blue text and underlined) you can go back to your previous position in the document in two ways*:

Option 1 
Alt / left arrow will take you back to the previous view

Option 2
Right click when your cursor is on the tool banner and click Show Page Navigation Tools and tick Previous View the back button will appear in the tool bar

*Please note: in order to be able to navigate ITIC's Rules 2017 in this manner you must have downloaded a copy of the Rules.

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