Conditions

Parts of a policy that must be complied with by one party or the other. Conditions may be implied by law or expressed, i.e. set out in the policy. The effect of a breach by the insured depends upon whether it relates to a condition precedent (things to be done before the contract is concluded, e.g. utmost good faith); a condition subsequent (things to be done during the policy term, e.g. maintaining certain standards); a condition precedent to liability (things to be done before the insurer is liable for a particular loss, e.g. proper notification).