Rules & policy wordings

2024 Rules amendment explanation

Download the 2024 Rules amendment explanation
Download the 2024 ITIC Europe Rules amendment explanation

Download the Chinese translation

2024 Aviation Rules

Download the 2024 ITIC Aviation Rules 
Download the 2024 ITIC Europe Aviation Rules
Download the 2024 ITIC Europe Aviation Rules - French

2023 ITIC Europe Rules

Download the 2023 ITIC Europe Rules

The Rules form the basis of members' policies of insurance with ITIC Europe.

ITIC has established a subsidiary operation in Cyprus through which to underwrite its EEA business. That company, International Transport Intermediaries Insurance Company (Europe) Ltd, ITIC Europe, was incorporated in Cyprus on 11 September 2023.

Difference between ITIC Rules and ITIC Europe Rules

Please note the ITIC Europe Rules 2023 are completely based on the ITIC Rules 2023 and are intended to offer those insured by ITIC Europe the exact same level of cover to which members of ITIC have always benefited. ITIC Europe is a wholly owned subsidiary of ITIC and therefore logical amendments have been made to the ITIC Rules reflecting the new arrangement, to create the new ITIC Europe Rules. The following is a high level summary of the changes that have been made:

1. Where necessary references to Club are changed to mean ITIC Europe instead of ITIC;
2. “Articles of Association” now mean the Articles of ITIC Europe. ITIC’s Articles are “the ITIC Articles”;
3. “The Rules” mean the ITIC Europe Rules and ITIC’s Rules are defined as “the ITIC Rules”.  
4. The concept of “corporate membership” of ITIC has been introduced so that entities insured by ITIC Europe are also corporate members of ITIC; 
5. Part 8 “Cesser of Insurance” now additionally includes cesser of corporate membership;
6. References to “Directors” mean the Directors of the Club (ITIC Europe);
7. The address for service has changed from ITIC’s London address to ITIC Europe Cyprus address.

If your/your client’s current ITIC policy is subject to an earlier version of the ITIC Rules than the 2023 version, you/they are encouraged to review the 2023 Rule Amendment Explanation document here or the 2022 Rule Amendment Explanation document here.

If you or your client have any questions about these changes please ask your usual ITIC contact.

2022 Rules

Download the 2022 Rules

Download the German translation

Download the Chinese translation

Download the French translation

Download the Spanish translation

Here are the 2022 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*:

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*Please note: in order to be able to navigate ITIC's Rules 2022 in this manner you must have downloaded a copy of the Rules.

2022 Rules amendment explanation

Download the 2022 Rules amendment explanation

Download the Chinese translation

As a result of the Russia-Ukraine conflict the ITIC board of directors have reviewed the provisions within the ITIC rules regarding both sanctions and the ability to terminate a member’s entry with ITIC.

ITIC’s current Rule 13.32 provides that there would be no cover if ITIC is at risk of breaching the sanctions described in that rule, which are limited to the EU, UK and USA. A number of other countries have their own sanctions regimes. Accordingly, it was felt that the sanctions clause needed to be widened. There is a further widening of Rule 13.32 to allow ITIC to suspend or terminate cover if ITIC is exposed to or at risk of being exposed to sanctions, prohibitions or adverse actions.  In addition it was felt that new provisions should be included within the ITIC Rules which would allow ITIC to suspend or terminate cover in the event that a situation arises which the Directors believe could cause reputational damage to ITIC.  Finally, a new automatic cesser of insurance has been added if a member becomes subject to sanctions, prohibitions or restrictions of the UK, USA, EU or UN. Details have been provided in the above ITIC Rules amendment explanation document.