23.1.6  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)  failure by any insured to observe and fulfil the terms of the policy or to comply with the duty of disclosure does not prejudice the insurance of any other insured;

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

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