FAQs

To register for Crystal+ Lloyd's market participants need to request access and follow the below steps:
1. Request access to Lloyd's applications 
2. Select Crystal+ (listed as CrystalPlus) from the list of applications
3. Enter user and company details 
4. Confirm Lloyd's market participant type and send request. Lloyd's will then review and grant/reject access. 

Instructions can also be accessed here.

Crystal+ is free for everyone to use. However, some of the information in Crystal+ and the Risk Locator functionality has been restricted to Lloyd's market participants only. If you are a Lloyd's market participant, you are eligible to register for access to this secured content.

You must be a Lloyd’s market participant (e.g. work for an active Lloyd’s managing agent or syndicate, a registered Lloyd’s broker, an approved Lloyd’s coverholder or service company) to access these resources. Coverholder auditors working for a Lloyd’s managing agent may receive access if the head managing agent compliance officer directly emails LITA@lloyds.com with approval. Non-market participants will not receive access.

Unfortunately, we are unable to provide enhanced access to users registering with a personal email address (e.g. Google, Yahoo, etc) for a lloyds.com account.

By registering for Crystal+, Lloyd's market participants will be able to access the Risk Locator functionality and save searches. Lloyd's market participants will also gain access to secured content and receive updates advising them when information has changed.

This is a free text mandatory field. Please add your own reference i.e. UMR, slip number, name of risk, etc. Your search will be saved to your personal Crystal+ Risk Locator dashboard and you will be able to search through your saved searches using the report name.

If you are unable to find a relevant class of business in the drop down list, you can search key words in the 'Sub-class of Business' field which may help identify the class of business.

If you still cannot find a relevant class of business you may need to select a close match, i.e. an appropriate alternative. If there is no appropriate alternative please contact LITA for guidance.

Crystal+ Risk Locator is currently designed to identify possible regulatory and tax territories of risk for individual classes of business. For instance, in relation to a two section Market Reform Contract covering ship’s hull and ship’s liability you will need to enter the details separately, as the criteria used to establish the location of risk for hull may differ to that for liability dependant on the territories involved.

As a general guide for individuals living in a territory for one year or more usually indicates habitual residence. However, territories may apply specific rules and where these are known they will be set out in Crystal+ Territory Manuals. In the absence of specific rules the general rule may be adopted. If there are multiple insureds covered by a policy all relevant territories of residence should be entered into the Crystal+ Risk Locator.

European Union (EU) legislation defines the term business ‘establishment’. Outside the EU the term is not so well defined, so in the absence of specific territory definitions, it is appropriate to follow the EU approach.

An establishment may include but not exclusively limited to: 

• branches of companies and representative offices, including offices managed by the businesses’ own staff
• manufacturing and other types of business operations, e.g. mines, wells, platforms or other industrial/commercial sites

If there are multiple establishments covered by a policy all relevant territories should be entered into the Risk Locator.

Yes. There are several reasons why more than one territory’s laws, regulations and tax rules may apply to a contract, including:

• contradictory and overlapping regulatory and tax rules
• multiple risks insured and/or multiple insureds covered
• involvement of intermediaries

If the regulatory rules of more than one territory apply then the risk must be arranged, reported and funded for in accordance with the rules of each territory.

Similarly, if the contract is subject to more than one tax regime then taxes should be paid in accordance with each territories rules.

If regulatory rules around the construction of a contract apply with contradictory effect a common sense approach is necessary. The contract must provide appropriate protection to the insured.

Yes. It is possible for the territories of regulation and tax to be different as they derive from different rules and legislation.

Yes. In some instances a risk will fall outside of all territories regulatory and/or tax rules. In these cases no tax should be due but for regulatory purposes a common sense approach is necessary to ensure the policy provides the appropriate protection for the insured.

You can easily save a copy of your search by selecting the 'Save' or 'Save & Download report' functionality available from the results screen. You can then access saved searches from the Crystal+ Risk Locator landing page. When you go back to a saved search, you can edit, and delete your results, as well as download your search in PDF or Excel format.

The Crystal+ Risk Locator functionality is only available to registered users of Crystal+. If you don't currently have access to the Crystal+ Risk Locator and would like access, you can register for enhanced access to Crystal+ if you are a Lloyd's market participant.

The Crystal+ Risk Locator is an integrated user journey, which combines the three previous regulatory and tax tools (Risk Locator Tool, Crystal and Stamp Decision Tool) in one. You can use Crystal+ Risk Locator to identify and determine the legal location of an insured risk, determine Lloyd's and Lloyd's Europe's licensing status, and view information relevant to the regulatory and tax requirements to transact business compliantly in specific territories.

Crystal+ Territory Manuals provide you with a full view of Lloyd's and Lloyd's Europe's licensing status, and the information relevant to the regulatory and tax requirements to transact business compliantly in specific territories.

Some of the information in Crystal+ has been restricted to Lloyd's market participants only. If you are a Lloyd's market participant you are eligible to register for access to this secured content.

Every piece of information in Crystal+ Territory Manuals is given a "last reviewed" and “last updated” date. Content may be reviewed but not updated as there may not be a change to be made, therefore, the "last reviewed" date may be more recent than the "last updated" date. Anytime a change has been made to the content, the "last updated" date will automatically be updated to the date of the change. If you come across any information that you believe is out-of-date or incorrect please email LITA@lloyds.com who will look into this for you.

You need to be a registered Crystal+ user to access restricted information and enhanced functionality.

If you are a registered user and continue to experience problems logging into Crystal+ please log a ticket with Lloyd's User Support.