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1. Subrogation Rights: Details of the insurer's right to pursue third parties, included when relevant to the type of insurance

2. Reinsurance Provisions: Include when the policy is subject to reinsurance arrangements

3. Multiple Insured Parties: Additional provisions for cases involving multiple insured parties or beneficiaries

4. Special Risk Provisions: Specific clauses for unusual or high-risk coverage scenarios

5. Regulatory Compliance: Additional compliance sections required for specific industries or regulated activities

6. Cross-Border Provisions: Include when the insurance coverage extends beyond South African borders

1. Schedule A - Premium Calculation: Detailed breakdown of premium calculations and payment schedules

2. Schedule B - Covered Risks: Comprehensive list of specific risks and circumstances covered under the policy

3. Schedule C - Claim Forms: Standard forms and documentation required for claims processing

4. Schedule D - Exclusion Details: Detailed explanation of excluded risks and circumstances

5. Appendix 1 - Disclosure Statement: Mandatory disclosures required under South African insurance regulations

6. Appendix 2 - Risk Assessment: Initial risk assessment and basis of premium calculation

7. Appendix 3 - Policy Schedule: Specific details of the insured party, coverage limits, and special conditions