Schedule 3

Apportionment of premiums

In force

section 7

	Class of insurance	Way apportioned
1	Aviation non-ownership liability	State in which the insured person resides
2	Aviation hull, aviation hull third party property liability and aviation hull personal liability—
	(a)high capacity regular public transport aircraft	Number of take-offs and landings in the previous year in each State for all aircraft covered by the policy (whether operated by the insured person or by a subsidiary)
	(b)another aircraft	State in which the aircraft is usually located or stored in a hangar (whether operated by the insured person or by a subsidiary)
3	Bloodstock	State in which the bloodstock is usually located
4	Boiler explosion	Value of property or sum insured or exposure level for each State
5	Burglary	Value of property or sum insured or exposure level for each State
6	Business interruption	Reasonably estimated profit revenue, fees, rent or other business measurement factor for each State
7	Care, custody and control of bloodstock	State in which the bloodstock is usually located
8	Cash in transit	Number of premises or value of property or sum insured or exposure level for each State
9	Company reimbursement	Estimated salaries and wages or number of persons working in each State
10	Comprehensive crime policy	Estimated salaries and wages or number of persons working in each State
11	Contract works	Value of property or sum insured or exposure level for each State
12	Contractors risk	Value of property or sum insured or exposure level for each State
13	Crop	Value of property or sum insured or exposure level for each State
14	Deterioration of stock	Value of property or sum insured or exposure level for each State
15	Directors and officers	Estimated turnover, sales or number of persons working in each State
16	Disability—
	(a)individual	State in which the business is registered or State in which the insured person resides
	(b)group	State in which the business is registered or State in which the insured person resides
17	Fidelity guarantee	Estimated salaries and wages or number of persons working in each State
18	Fire	Value of property or sum insured or exposure level for each State
19	General property	Value of property or sum insured or exposure level for each State
20	Home building and contents	Value of property or sum insured or exposure level for each State
21	Industrial special risk—
	(a)property	Value of property or sum insured or exposure level for each State
	(b)consequential loss	Reasonably estimated profit revenue, fees, rent or other business measurement factor for each State
22	Legal expense insurance	Estimated salaries and wages or number of persons working in each State
23	Livestock	State in which the livestock is usually located
24	Loss of profits	Reasonably estimated profit revenue, fees, rent or other business measurement factor for each State
25	Machinery breakdown (including computers and engineering)	Value of property or sum insured or limit of liability declared for each State
26	Marine—
	(a)builders risk	Value of property or sum insured or exposure level for each State
	(b)carriers legal liability, charterers liability and hull liability for coastal and international shipping	State which is the predominant location of the vessel
	(c)private pleasure craft	State in which the vessel is registered or State in which the insured person resides
27	Medical indemnity	Subscriptions paid in each State
28	Money	Number of premises or value of property or sum insured or exposure level for each State
29	Mortgage insurance—
	(a)if security consists of 2 or more properties located in different States	Value of property located in each State
	(b)otherwise	State in which the property is usually located
30	Motor vehicle, including extended warranty insurance—
	(a)commercial motor vehicle	State in which vehicle is registered or taken to be registered
	(b)private use motor vehicle	State in which vehicle is usually located or stored in a garage
	(c)federal interstate motor vehicle	State in which vehicle is registered or taken to be registered
	(d)unregistered motor vehicle	State in which vehicle is usually located or stored in a garage
31	Non-appearance—entertainment industry	Ticket sales in each State
32	Occupational—professional indemnity	Estimated salaries and wages, or number of persons working, in each State or reasonably estimated profit revenue, fees or rent for each State
33	Personal accident and illness—
	(a)individual	State in which the business is registered or State in which the insured person resides
	(b)group	State in which the business is registered or State in which the insured person resides
34	Personal liability—
	(a)individual	State in which the insured person resides
	(b)business	State in which the business is registered
35	Personal property	Value of property or sum insured or exposure level for each State
36	Pluvius	Value of property or sum insured or exposure level for each State
37	Public liability, product liability or broadform	Estimated salaries and wages, or number of persons working, in each State or floor area units, turnover or sales, number of premises or rent for each State
38	Railway property or public liability	Number of kilometres travelled by the rolling stock in each State in the 12-month period immediately before the insurance policy’s inception or renewal
39	Sprinkler leakage	Value of property or sum insured or exposure level for each State
40	Strata unit	Value of property or sum insured or exposure level for each State
41	Title insurance	State in which the property is located
42	Trade credit policies	Estimated turnover or sales in each State
43	Travel—
	(a)outbound from Australia, including baggage—
	(i)individual	State in which the insured person resides
	(ii)business	State in which the business is registered
	(b)within Australia—
	(i)individual	State in which the insured person resides
	(ii)business	State in which the business is registered

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