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Lloyd’s occupies sites in both London and Chatham.
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+44 (0)20 7327 6125Out of hours calls:+44 (0)7659 597 825
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A Lloyd’s account gives market participants such as underwriters, brokers and coverholders access to enhanced content and services. If you are not a market participant you can also create an account to sign up for email news and updates from Lloyd’s.
Information about global contracts and how to place them at Lloyd's.
A global insurance contract covers risks located in more than one country. Examples include:
Note: Global insurance contracts do not include reinsurance contracts.
International fiscal and regulatory obligations arise in territories where risks or insureds are situated.
The international insurance laws and regulations permitting or prohibiting insurance transactions vary in their application and impact on the insurer, insurance intermediaries and insureds.
Legal repercussions may arise for each of the contracted parties where coverage is placed with a non-admitted insurer breaching local insurance laws and regulations.
Global contracts presentation (for Market participants only)
Rules on risk location differ by territory and can give rise to conflicting obligations. Lloyd’s Risk Locator tool offers guidance on how to determine the location of a risk and how to handle a global contract.
Requirements for contractual evidence validating proof of cover can mean the issuance of multiple-policy documents where risks are located in more than one territory. Care should be taken to ensure a contract does not have any exposure where international sanctions apply, prohibiting or limiting insurance transactions.
Risk Locator tool
The premium accrued from a global insurance contract must be apportioned to reflect the level of exposure located in each territory covered by the policy. This ensures that appropriate taxes are paid and liabilities are funded. There are no set rules in calculating the apportionment but the method should be justifiable and documented.
Methods of premium apportionment
Determine the territories whose laws and regulations apply to an insurance contract.
Easy access to international regulatory requirements.
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Discover how to use Lloyd's regulatory e-tools including Crystal and earn 20 CII CPD points.
Visit Crystal Assist
This step-by-step 'demo' offers guidance on how to use and make the most of Crystal.
Open Crystal Demo
Regulatory Communications Discover the latest UK and international regulatory changes, regulatory news articles, FSA consultation papers & more.What's New? A list of the latest regulatory updates to Crystal, Lloyd's global trading information business tool.
Intl Regulatory Communications
This is a secure area for Compliance Officers only (managing agents and brokers). Follow the link to log in or request access.
For country specific trading information Lloyd's market participants can access Crystal or contact:
Lloyd's International Trading Advice Lloyd's Desk, Ground Floor, Underwriting Room. Telephone: 020 7327 6677 Email: LITA@lloyds.com.
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