1. Subrogation Rights: Details of the insurer's right to pursue third parties, used when there's potential for third-party recovery

2. Cross-Indemnification: Mutual indemnification provisions, used when multiple parties need reciprocal protection

3. International Coverage: Specific provisions for international coverage, used when insurance extends beyond New Zealand

4. Broker Provisions: Terms relating to insurance broker involvement, used when a broker is part of the arrangement

5. Group Coverage Extensions: Provisions for extending coverage to related entities, used for corporate group policies

6. Special Risk Provisions: Additional terms for specific high-risk activities or unusual circumstances

1. Schedule 1: Premium Calculation: Detailed breakdown of premium calculations and factors affecting premiums

2. Schedule 2: Covered Properties/Assets: Itemized list of specific properties or assets covered under the insurance

3. Schedule 3: Claims History: Record of previous claims and their impact on current coverage

4. Schedule 4: Risk Assessment: Detailed risk assessment and mitigation measures

5. Schedule 5: Policy Limits and Sub-limits: Specific monetary limits for different types of coverage

6. Appendix A: Claims Forms: Standard forms and documentation required for making claims

7. Appendix B: Emergency Procedures: Procedures to follow in emergency situations requiring immediate action