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INSURANCE CONTRACTS ACT 1984 - NOTES

No. 80, 1984

Compilation No. 30

Compilation date:                              8 December 2021

Includes amendments up to:            Act No. 127, 2021

Registered:                                         6 January 2022

About this compilation

This compilation

This is a compilation of the Insurance Contracts Act 1984 that shows the text of the law as amended and in force on 8 December 2021 (the compilation date).

The notes at the end of this compilation (the endnotes) include information about amending laws and the amendment history of provisions of the compiled law.

Uncommenced amendments

The effect of uncommenced amendments is not shown in the text of the compiled law. Any uncommenced amendments affecting the law are accessible on the Legislation Register (www.legislation.gov.au). The details of amendments made up to, but not commenced at, the compilation date are underlined in the endnotes. For more information on any uncommenced amendments, see the series page on the Legislation Register for the compiled law.

Application, saving and transitional provisions for provisions and amendments

If the operation of a provision or amendment of the compiled law is affected by an application, saving or transitional provision that is not included in this compilation, details are included in the endnotes.

Editorial changes

For more information about any editorial changes made in this compilation, see the endnotes.

Modifications

If the compiled law is modified by another law, the compiled law operates as modified but the modification does not amend the text of the law. Accordingly, this compilation does not show the text of the compiled law as modified. For more information on any modifications, see the series page on the Legislation Register for the compiled law.

Self-repealing provisions

If a provision of the compiled law has been repealed in accordance with a provision of the law, details are included in the endnotes.

  

  

  


Contents

Part I--Preliminary                                                                                                              1

1............ Short title............................................................................................. 1

2............ Commencement................................................................................... 1

3............ Repeals................................................................................................ 1

4............ Previous contracts............................................................................... 2

5............ Crown to be bound............................................................................. 2

6............ Extension to external Territories.......................................................... 2

7............ Effect of Act on other laws................................................................. 2

8............ Application of Act............................................................................... 3

9............ Exceptions to application of Act.......................................................... 3

9A......... Exclusion of pleasure craft from the Marine Insurance Act 1909....... 6

10.......... Contracts of insurance......................................................................... 7

11.......... Interpretation....................................................................................... 7

11AA.... Application of the Criminal Code..................................................... 14

11AB.... Consumer insurance contracts........................................................... 14

Part IA--Administration                                                                                                 16

11AAA. Definition.......................................................................................... 16

11A....... ASIC responsible for general administration of Act......................... 16

11B....... Powers of the ASIC.......................................................................... 16

11C....... Supervisory powers--ASIC may obtain insurance documents........ 17

11D....... Supervisory powers--ASIC may review administrative arrangements etc.             18

11DA.... Supervisory powers--liability of directors, employees and agents of insurers        19

11E........ Examination of documents by ASIC not to imply compliance with relevant legislation           20

11F........ ASIC's power to intervene in proceedings....................................... 21

Part II--The duty of the utmost good faith                                                         22

12.......... This Part not to be read down........................................................... 22

13.......... The duty of the utmost good faith..................................................... 22

14.......... Parties not to rely on provisions except in the utmost good faith...... 23

14A....... Powers of ASIC--insurer's failure to comply with the duty of the utmost good faith in relation to handling or settlement of claims............................................................................................ 23

15.......... Certain other laws not to apply.......................................................... 24

Part III--Insurable interests                                                                                         25

Division 1--General insurance                                                                              25

16.......... Insurable interest not required........................................................... 25

17.......... Legal or equitable interest not required at time of loss....................... 25

Division 2--Other contracts of insurance                                                       26

18.......... Insurable interest not required........................................................... 26

Division 3--Naming of persons benefited                                                        27

20.......... Persons benefited need not be named................................................ 27

Part IV--Disclosures and misrepresentations                                                    28

Division 1A--Consumer insurance contracts: insured's duty to take reasonable care not to make a misrepresentation                                                                               28

20A....... Application of this Division.............................................................. 28

20B....... The insured's duty to take reasonable care not to make a misrepresentation             28

20C....... Warranties of existing facts to be representations.............................. 29

Division 1--Other contracts: insured's duty of disclosure                     30

20E........ Application of this Division.............................................................. 30

21.......... The insured's duty of disclosure....................................................... 30

22.......... Insurer to inform of duty of disclosure............................................. 31

Division 2--Other contracts: misrepresentations by insured               33

23A....... Application of this Division.............................................................. 33

23.......... Ambiguous questions....................................................................... 33

24.......... Warranties of existing facts to be representations.............................. 33

25.......... Misrepresentation by life insured...................................................... 34

26.......... Certain statements not misrepresentations......................................... 34

27.......... Failure to answer questions............................................................... 34

Division 3--Remedies for relevant failures                                                    35

27AA.... Meaning of relevant failure............................................................... 35

27A....... Certain contracts of life insurance may be treated as if they comprised 2 or more separate contracts of life insurance.......................................................................................................... 35

28.......... General insurance.............................................................................. 37

29.......... Life insurance.................................................................................... 37

30.......... Misstatements of age......................................................................... 40

31.......... Court may disregard avoidance in certain circumstances................... 42

32.......... Relevant failure by life insured covered under group life contract..... 42

32A....... Relevant failure by holder of RSA.................................................... 43

33.......... No other remedies............................................................................. 43

Division 4--Key Facts Sheets                                                                                 44

33A....... Application of this Division.............................................................. 44

33B....... What is a Key Facts Sheet?................................................................ 44

33C....... Insurer's obligation to provide Key Facts Sheet................................ 44

33D....... Provision of Key Facts Sheet does not constitute clearly informing.. 45

Part V--The contract                                                                                                        46

Division 1--Standard cover                                                                                    46

34.......... Interpretation..................................................................................... 46

35.......... Notification of certain provisions...................................................... 46

36.......... Interpretation of regulations.............................................................. 47

37.......... Notification of unusual terms............................................................ 47

Division 1A--Definition of flood                                                                           49

37A....... Application of this Division.............................................................. 49

37B....... Meaning of flood in prescribed contracts etc..................................... 49

37C....... Insurer must clearly inform insured whether prescribed contract provides insurance cover in respect of flood       50

37D....... Circumstances in which prescribed contract is taken to provide insurance cover etc. in respect of flood 50

37E........ Division not to affect provision of insurance cover for certain events 51

Division 2--General provisions relating to insurance contracts        52

38.......... Interim contracts of insurance........................................................... 52

39.......... Instalment contracts of general insurance.......................................... 53

40.......... Certain contracts of liability insurance............................................... 53

41.......... Contracts of liability insurance--consent of insurer required for settlement etc. of claim         54

42.......... Maximum cover for premium........................................................... 55

43.......... Arbitration provisions....................................................................... 55

44.......... Average provisions........................................................................... 55

45.......... "Other insurance" provisions............................................................ 57

46.......... Pre-existing defect or imperfection.................................................... 57

47.......... Pre-existing sickness or disability..................................................... 58

48.......... Contracts of general insurance--entitlements of third party beneficiaries 58

48AA.... Life policy in connection with RSA for the benefit of third party beneficiary          59

48A....... Life policy for the benefit of third party beneficiary.......................... 59

49.......... Where sum insured exceeds value of insured's interest.................... 60

50.......... Sale of insured property.................................................................... 62

51.......... Claims against insurer in respect of liability of insured or third party beneficiary    63

52.......... "Contracting out" prohibited............................................................. 63

53.......... Variation of contracts of insurance.................................................... 64

Division 3--Remedies                                                                                                 65

54.......... Insurer may not refuse to pay claims in certain circumstances.......... 65

55.......... No other remedies............................................................................. 66

55A....... Representative actions by the ASIC.................................................. 66

Part VI--Claims                                                                                                                   68

56.......... Fraudulent claims.............................................................................. 68

57.......... Interest on claims.............................................................................. 68

Part VII--Expiration, renewal and cancellation                                              70

58.......... Insurer to notify of expiration of contracts of general insurance....... 70

59.......... Cancellation procedure...................................................................... 72

59A....... Cancellation of contracts of life insurance......................................... 72

60.......... Cancellation of contracts of general insurance................................... 74

61.......... Insurers in liquidation....................................................................... 75

62.......... Cancellation of instalment contracts of general insurance.................. 75

63.......... Cancellations of contracts of insurance void..................................... 75

Part VIII--Subrogation                                                                                                   76

64.......... Application to third party beneficiaries.............................................. 76

65.......... Subrogation to rights against family etc............................................ 76

66.......... Subrogation to rights against employees........................................... 77

67.......... Rights with respect to money recovered under subrogation etc......... 77

68.......... Contracts affecting rights of subrogation.......................................... 81

Part IX--Information, notices and reasons                                                         82

69.......... Giving of information to insureds..................................................... 82

70.......... Notices to be given to life insureds in certain cases........................... 83

71.......... Agency.............................................................................................. 84

72.......... Content and other requirements for notices etc. to be given in writing 84

72A....... Method for giving written notices or documents............................... 85

74.......... Policy documents to be supplied on request...................................... 85

75.......... Reasons for cancellation etc. to be given........................................... 85

Part IXA--Enforcement                                                                                                 88

Division 1--Civil penalty provisions                                                                  88

Subdivision A--Obtaining a pecuniary penalty order                                   88

75A....... Declaration of contravention of civil penalty provision..................... 88

75B....... Pecuniary penalty orders................................................................... 89

75C....... Maximum pecuniary penalty............................................................. 89

75D....... Pecuniary penalty applicable............................................................. 90

75E........ Civil enforcement of pecuniary penalty orders.................................. 91

75F........ Meaning of benefit derived and detriment avoided because of a contravention of a civil penalty provision             91

75G....... Conduct contravening more than one civil penalty provision............ 91

75H....... Multiple contraventions..................................................................... 91

75J........ Proceedings may be heard together................................................... 92

75K....... Civil evidence and procedure rules for pecuniary penalty orders...... 92

Subdivision B--Civil proceedings and criminal proceedings                      92

75L........ Civil proceedings after criminal proceedings..................................... 92

75M...... Criminal proceedings during civil proceedings................................. 92

75N....... Criminal proceedings after civil proceedings..................................... 93

75P........ Evidence given in civil proceedings not admissible in criminal proceedings            93

Subdivision C--Miscellaneous                                                                              94

75Q....... Attempt and involvement in contravention treated in same way as actual contravention           94

75R....... Continuing contraventions of civil penalty provisions...................... 94

75S........ State of mind..................................................................................... 94

75T........ Mistake of fact.................................................................................. 95

75U....... Exceptions etc. to civil penalty provisions--burden of proof............ 96

75V....... Civil penalty provisions contravened by employees, agents or officers 96

Division 2--Infringement notices                                                                         97

75W...... When an infringement notice may be given....................................... 97

75X....... Provisions subject to an infringement notice..................................... 97

75Y....... Matters to be included in an infringement notice............................... 98

75Z........ Payment period............................................................................... 100

75ZA..... Extension of time to pay amount..................................................... 102

75ZB..... Payment by instalments................................................................... 103

75ZC..... Withdrawal of an infringement notice............................................. 104

75ZD..... Effect of payment of amount........................................................... 106

75ZE..... Effect of this Division..................................................................... 107

Part X--Miscellaneous                                                                                                    108

76.......... Contribution between insurers........................................................ 108

78.......... Regulations..................................................................................... 108

Endnotes                                                                                                                                  109

Endnote 1--About the endnotes                                                                          109

Endnote 2--Abbreviation key                                                                              111

Endnote 3--Legislation history                                                                           112

Endnote 4--Amendment history                                                                         119

 


  

Endnotes

Endnote 1--About the endnotes

The endnotes provide information about this compilation and the compiled law.

The following endnotes are included in every compilation:

Endnote 1--About the endnotes

Endnote 2--Abbreviation key

Endnote 3--Legislation history

Endnote 4--Amendment history

Abbreviation key--Endnote 2

The abbreviation key sets out abbreviations that may be used in the endnotes.

Legislation history and amendment history--Endnotes 3 and 4

Amending laws are annotated in the legislation history and amendment history.

The legislation history in endnote 3 provides information about each law that has amended (or will amend) the compiled law. The information includes commencement details for amending laws and details of any application, saving or transitional provisions that are not included in this compilation.

The amendment history in endnote 4 provides information about amendments at the provision (generally section or equivalent) level. It also includes information about any provision of the compiled law that has been repealed in accordance with a provision of the law.

Editorial changes

The Legislation Act 2003 authorises First Parliamentary Counsel to make editorial and presentational changes to a compiled law in preparing a compilation of the law for registration. The changes must not change the effect of the law. Editorial changes take effect from the compilation registration date.

If the compilation includes editorial changes, the endnotes include a brief outline of the changes in general terms. Full details of any changes can be obtained from the Office of Parliamentary Counsel.

Misdescribed amendments

A misdescribed amendment is an amendment that does not accurately describe the amendment to be made. If, despite the misdescription, the amendment can be given effect as intended, the amendment is incorporated into the compiled law and the abbreviation "(md)" added to the details of the amendment included in the amendment history.

If a misdescribed amendment cannot be given effect as intended, the abbreviation "(md not incorp)" is added to the details of the amendment included in the amendment history.

 

Endnote 2--Abbreviation key

 

ad = added or inserted

o = order(s)

am = amended

Ord = Ordinance

amdt = amendment

orig = original

c = clause(s)

par = paragraph(s)/subparagraph(s)

C[x] = Compilation No. x

/sub-subparagraph(s)

Ch = Chapter(s)

pres = present

def = definition(s)

prev = previous

Dict = Dictionary

(prev ... ) = previously

disallowed = disallowed by Parliament

Pt = Part(s)

Div = Division(s)

r = regulation(s)/rule(s)

ed = editorial change

reloc = relocated

exp = expires/expired or ceases/ceased to have

renum = renumbered

effect

rep = repealed

F = Federal Register of Legislation

rs = repealed and substituted

gaz = gazette

s = section(s)/subsection(s)

LA = Legislation Act 2003

Sch = Schedule(s)

LIA = Legislative Instruments Act 2003

Sdiv = Subdivision(s)

(md) = misdescribed amendment can be given

SLI = Select Legislative Instrument

effect

SR = Statutory Rules

(md not incorp) = misdescribed amendment

Sub-Ch = Sub-Chapter(s)

cannot be given effect

SubPt = Subpart(s)

mod = modified/modification

underlining = whole or part not

No. = Number(s)

commenced or to be commenced

 

Endnote 3--Legislation history

 

Act

Number and year

Assent

Commencement

Application, saving and transitional provisions

Insurance Contracts Act 1984

80, 1984

25 June 1984

1 Jan 1986 (gaz 1985, No S487)

 

Statute Law (Miscellaneous Provisions) Act (No. 1) 1985

65, 1985

5 June 1985

Sch 1: 3 July 1985 (s 2(1))

--

Australian Trade Commission (Transitional Provisions and Consequential Amendments) Act 1985

187, 1985

16 Dec 1985

Sch 4: 6 Jan 1986 (gaz 1985, No S551)

s 60(3)

Statute Law (Miscellaneous Provisions) Act (No. 2) 1985

193, 1985

16 Dec 1985

Sch 1: 1 Jan 1986 (s 2(8))

s 16

Statute Law (Miscellaneous Provisions) Act (No. 1) 1986

76, 1986

24 June 1986

Sch 1: 1 Jan 1986 (s 2(11))

s 9

Statute Law (Miscellaneous Provisions) Act (No. 2) 1986

168, 1986

18 Dec 1986

Sch 1: 1 Jan 1986 (s 2(6))

s 5(1)

Export Finance and Insurance Corporation (Transitional Provisions and Consequential Amendments) Act 1991

149, 1991

21 Oct 1991

1 Nov 1991

s. 50(2)

Insurance Laws Amendment Act (No. 2) 1994

49, 1994

7 Apr 1994

Sch (items 2, 4, 5, 7, 17): 7 Apr 1994 (s 2(1))
Sch (items 3, 6, 8-16): 1 Oct 1994 (s 2(2) and gaz 1994, No GN38)

--

Life Insurance (Consequential Amendments and Repeals) Act 1995

5, 1995

23 Feb 1995

1 July 1995 (s 2 and gaz 1995, No GN24)

--

Crimes and Other Legislation Amendment Act 1997

20, 1997

7 Apr 1997

Sch 2 (item 6): 7 Apr 1997 (s 2(1))

--

Retirement Savings Accounts (Consequential Amendments) Act 1997

62, 1997

28 May 1997

2 June 1997 (s 2 and gaz 1997, No S202)

--

Financial Laws Amendment Act 1997

107, 1997

30 June 1997

Sch 8: 30 June 1997 (s 2(1))

--

Insurance Laws Amendment Act 1998

35, 1998

22 Apr 1998

Sch 1 (items 77-84): 30 Apr 1998 (s 2(2))

Sch 1 (items 82-84)

Financial Sector Reform (Amendments and Transitional Provisions) Act 1998

54, 1998

29 June 1998

Sch 12: 1 July 1998 (s 2(2)(j))

--

Financial Sector Reform (Amendments and Transitional Provisions) Act (No. 1) 1999

44, 1999

17 June 1999

Sch 7 (item 117): 1 July 1999 (s 3(2)(e), (16) and gaz 1999, No S283)

--

as amended by

 

 

 

 

Financial Sector Legislation Amendment Act (No. 1) 2000

160, 2000

21 Dec 2000

Sch 4 (items 4, 5): 18 Jan 2001) (s 2(1))

--

Export Finance and Insurance Corporation Amendment Act 2000

11, 2000

15 Mar 2000

Schedule 1 (item 4): 1 July 1998
Schedule 2 (items 2-4): 1 July 2000
Remainder: Royal Assent

--

Treasury Legislation Amendment (Application of Criminal Code) Act (No. 3) 2001

117, 2001

18 Sept 2001

s 4 and Sch 3 (items 5-14): 15 Dec 2001 (s 2(1))

s 4

Financial Services Reform (Consequential Provisions) Act 2001

123, 2001

27 Sept 2001

Sch 1 (items 246-249): 11 Mar 2002 (s 2(1) and (6))

--

Insurance and Aviation Liability Legislation Amendment Act 2002

96, 2002

10 Nov 2002

Schedule 1 (items 1-4): 23 July 1998 (see s. 2(1))
Remainder: Royal Assent

s. 4

Medical Indemnity (Prudential Supervision and Product Standards) (Consequential Amendments) Act 2003

36, 2003

2 May 2003

1 July 2003

--

Private Health Insurance (Transitional Provisions and Consequential Amendments) Act 2007

32, 2007

30 Mar 2007

Schedule 2 (item 54): 1 Apr 2007 (see s. 2(1))

--

Private Health Insurance Legislation Amendment Act 2008

54, 2008

25 June 2008

Sch 1 (item 5): 25 June 2008 (s 2)

--

Statute Law Revision Act 2008

73, 2008

3 July 2008

Sch 4 (items 343-347): 4 July 2008 (s 2(1) item 64)

--

Insurance Contracts Amendment Act 2012

41, 2012

15 Apr 2012

15 Apr 2012 (s 2)

--

Personal Liability for Corporate Fault Reform Act 2012

180, 2012

10 Dec 2012

Sch 6 (items 20-22) and Sch 7: 11 Dec 2012 (s 2)

Sch 7

Insurance Contracts Amendment Act 2013

75, 2013

28 June 2013

Sch 1, Sch 3, Sch 4 (items 3-5), Sch 5 (items 1-3, 12-17) and Sch 6 (items 23-29): 28 June 2013 (s 2(1) items 2, 4, 6, 9, 11, 13)
Sch 2 and Sch 7: 28 Dec 2013 (s 2(1) items 3, 15)
Sch 4 (items 1, 2, 6-15): 28 Dec 2015 (s 2(1) items 5, 7, 8)
Sch 5 (items 4-11) and Sch 6 (items 1-22, 30-40): 28 June 2014 (s 2(1) items 10, 12, 14)

Sch 1 (items 6, 8, 10), Sch 2 (item 9), Sch 3 (item 2), Sch 4 (items 2, 7, 8, 13, 15), Sch 5 (items 3, 11, 14, 17), Sch 6 (items 2, 14, 17, 22, 29, 40) and Sch 7 (item 3)

Territories Legislation Amendment Act 2016

33, 2016

23 Mar 2016

Sch 5 (item 74): 1 July 2016 (s 2(1) item 7)

--

Treasury Laws Amendment (Strengthening Corporate and Financial Sector Penalties) Act 2019

17, 2019

12 Mar 2019

Sch 4: 13 Mar 2019 (s 2(1) item 2)
Sch 5 (item 36): never commenced (s 2(1) item 10)

Sch 4 (item 5)

Financial Sector Reform (Hayne Royal Commission Response--Protecting Consumers (2019 Measures)) Act 2020

2, 2020

17 Feb 2020

Sch 1 (items 8-10): 5 Apr 2021 (s 2(1) item 2)

Sch 1 (item 10)

Treasury Laws Amendment (2019 Measures No. 3) Act 2020

64, 2020

22 June 2020

Sch 3 (items 253, 325, 326): 1 Oct 2020 (s 2(1) item 6)

Sch 3 (items 325, 326)

Financial Sector Reform (Hayne Royal Commission Response) Act 2020

135, 2020

17 Dec 2020

Sch 2: 1 Jan 2021 (s 2(1) items 3, 4)

Sch 2 (items 2, 37)

Federal Circuit and Family Court of Australia (Consequential Amendments and Transitional Provisions) Act 2021

13, 2021

1 Mar 2021

Sch 2 (item 476): 1 Sept 2021 (s 2(1) item 5)

--

Treasury Laws Amendment (2021 Measures No. 5) Act 2021

127, 2021

7 Dec 2021

Sch 3 (items 24-27): 8 Dec 2021 (s 2(1) item 4)

--

 

Endnote 4--Amendment history

 

Provision affected

How affected

Part I

 

s 4........................................

am No 75, 2013

s 6........................................

am No 33, 2016

s 9........................................

am No 65, 1985; No 187, 1985; No 76, 1986; No 149, 1991; No 107, 1997; No 11, 2000; No 96, 2002; No 32, 2007; No 54, 2008; No 75, 2013

s 9A.....................................

ad No 35, 1998

s 11......................................

am No 65, 1985; No 168, 1986; No 49, 1994; No 5, 1995; No 62, 1997; No 107, 1997; No 54, 1998; No 44, 1999; No 123, 2001; No 41, 2012; No 75, 2013; No 17, 2019; No 135, 2020; No 13, 2021

s 11AA................................

ad No 117, 2001

s 11AB.................................

ad No 135, 2020

Part IA

 

Part IA.................................

ad. No. 49, 1994

s. 11AAA.............................

ad. No. 36, 2003

s. 11A..................................

ad. No. 49, 1994

 

rs. No. 54, 1998

s. 11B..................................

ad. No. 49, 1994

 

am. No. 54, 1998; No. 36, 2003

s. 11C..................................

ad. No. 49, 1994

 

am. No. 54, 1998; No. 117, 2001; No. 36, 2003; No 180, 2012

s. 11D..................................

ad. No. 49, 1994

 

am. No. 54, 1998; No. 117, 2001; No. 36, 2003; No 180, 2012

s. 11DA...............................

ad. No. 180, 2012

s. 11E..................................

ad. No. 49, 1994

 

am. No. 54, 1998; No. 36, 2003

s. 11F...................................

ad. No. 49, 1994

 

rs. No. 107, 1997

 

rep. No. 54, 1998

 

ad. No. 75, 2013

s 11G...................................

ad No 49, 1994

 

rep No 54, 1998

s 11H...................................

ad No 49, 1994

 

rep No 54, 1998

Part II

 

s 12......................................

am No 2, 2020; No 135, 2020

s 13......................................

am No 75, 2013; No 17, 2019

s 14A...................................

ad No 75, 2013

s 15......................................

rs No 65, 1985; No 49, 1994

 

am No 2, 2020

Part III

 

Division 1

 

s 16......................................

am No 5, 1995

Division 2

 

Division 2............................

rs No 5, 1995

s 18......................................

rs No 5, 1995

s 19......................................

rep No 5, 1995

Part IV

 

Division 1A

 

Division 1A.........................

ad No 135, 2020

s 20A...................................

ad No 135, 2020

s 20B...................................

ad No 135, 2020

s 20C...................................

ad No 135, 2020

Division 1

 

Division 1 heading...............

rs No 41, 2012; No 135, 2020

s 20E...................................

ad No 135, 2020

s 21......................................

am No 107, 1997; No 75, 2013

s 21A...................................

ad No 35, 1998

 

rs No 75, 2013

 

rep No 135, 2020

s 21B...................................

ad No 75, 2013

 

rep No 135, 2020

s 22......................................

am No 35, 1998

 

rs No 75, 2013

 

am No 135, 2020

Division 2

 

Division 2 heading...............

rs No 41, 2012; No 135, 2020

s 23A...................................

ad No 135, 2020

s 23......................................

am No 75, 2013

s 26......................................

am No 62, 1997; No 107, 1997; No 75, 2013

s 27......................................

am No 107, 1997

Division 3

 

Division 3 heading...............

rs No 41, 2012; No 135, 2020

s 27AA................................

ad No 135, 2020

s 27A...................................

ad No 75, 2013

s 28......................................

am No 107, 1997; No 135, 2020

s 29......................................

am No 107, 1997; No 75, 2013; No 135, 2020

s 30......................................

am No 75, 2013

s 31......................................

am No 135, 2020

s 31A...................................

ad No 75, 2013

 

rep No 135, 2020

s 32......................................

rs No 75, 2013

 

am No 135, 2020

s 32A...................................

ad No 62, 1997

 

am No 75, 2013; No 135, 2020

Division 4

 

Division 4............................

ad No 41, 2012

s 33A...................................

ad No 41, 2012

s 33B...................................

ad No 41, 2012

s 33C...................................

ad No 41, 2012

 

am No 17, 2019

s 33D...................................

ad No 41, 2012

Part V

 

Division 1

 

s 35......................................

am No 65, 1985; No 193, 1985; No 107, 1997; No 64, 2020

s 37......................................

am No 65, 1985; No 168, 1986

Division 1A

 

Division 1A.........................

ad No 41, 2012

ss. 37A-37E........................

ad. No. 41, 2012

Division 2

 

s. 38.....................................

am. No. 41, 2012

s. 40.....................................

am. No. 49, 1994

s. 41.....................................

am. No. 65, 1985; No. 107, 1997

 

rs No 75, 2013

s. 44.....................................

am. No. 107, 1997

s 46......................................

am No 107, 1997

s 47......................................

am No 107, 1997

s. 48.....................................

am. No. 5, 1995; No. 107, 1997; No. 73, 2008; No 75, 2013

s. 48AA...............................

ad. No. 62, 1997; No 75, 2013

s. 48A..................................

ad. No. 5, 1995

 

am No 75, 2013

s. 49.....................................

am. No. 168, 1986; No. 107, 1997

s. 51.....................................

am. No. 107, 1997; No 75, 2013

Division 3

 

s. 54.....................................

am. No. 65, 1985; No. 107, 1997

s. 55A..................................

ad. No. 49, 1994

 

am. No. 54, 1998; No. 75, 2013

Part VI

 

s 57......................................

am No 107, 1997; No 35, 1998

Part VII

 

s 58......................................

am No 168, 1986; No 107, 1997

s 59......................................

am No 5, 1995; No 107, 1997

s 59A...................................

ad No 75, 2013

s 60......................................

am No 135, 2020

s 62......................................

am No 75, 2013

s 63......................................

rs No 75, 2013

s 64......................................

am No 49, 1994; No 5, 1995; No 62, 1997; No 107, 1997

 

rep No 123, 2001

 

ad No 75, 2013

s 64A...................................

ad No 49, 1994

 

rep No 123, 2001

s 64B...................................

ad No 5, 1995

 

rep No 123, 2001

Part VIII

 

s 65......................................

am No 49, 1994; No 107, 1997; No 73, 2008

s 66......................................

am No 107, 1997; No 54, 1998

s 67......................................

rs No 75, 2013

s 68......................................

am No 107, 1997

Part IX

 

s 69......................................

am No 65, 1985; No 168, 1986; No 35, 1998

s 70......................................

am No 75, 2013

s 71......................................

am No 168, 1986; No 75, 2013

s 71A...................................

ad No 49, 1994

 

rep No 123, 2001

s 72......................................

am No 107, 1997

 

rs No 75, 2013

s 72A...................................

ad No 75, 2013

s 73......................................

am No 65, 1985; No 76, 1986; No 168, 1986; No. 49, 1994

 

rep No 123, 2001

s 74......................................

am No 49, 1994; No 107, 1997; No 117, 2001

s 75......................................

am No 49, 1994; No 20, 1997; No 107, 1997; No 117, 2001; No 73, 2008

Part IXA

 

Part IXA...............................

ad No 17, 2019

Division 1

 

Subdivision A

 

s 75A...................................

ad No 17, 2019

s 75B...................................

ad No 17, 2019

s 75C...................................

ad No 17, 2019

s 75D...................................

ad No 17, 2019

s 75E...................................

ad No 17, 2019

s 75F....................................

ad No 17, 2019

s 75G...................................

ad No 17, 2019

s 75H...................................

ad No 17, 2019

s 75J....................................

ad No 17, 2019

s 75K...................................

ad No 17, 2019

Subdivision B

 

s 75L...................................

ad No 17, 2019

s 75M..................................

ad No 17, 2019

s 75N...................................

ad No 17, 2019

s 75P....................................

ad No 17, 2019

Subdivision C

 

s 75Q...................................

ad No 17, 2019

s 75R...................................

ad No 17, 2019

s 75S....................................

ad No 17, 2019

s 75T...................................

ad No 17, 2019

s 75U...................................

ad No 17, 2019

s 75V...................................

ad No 17, 2019

Division 2

 

s 75W..................................

ad No 17, 2019

s 75X...................................

ad No 17, 2019

s 75Y...................................

ad No 17, 2019

 

am No 127, 2021

s 75Z...................................

ad No 17, 2019

 

am No 127, 2021

s 75ZA.................................

ad No 17, 2019

s 76ZB.................................

ad No 17, 2019

s 75ZC.................................

ad No 17, 2019

s 75ZD.................................

ad No 17, 2019

s 75ZE.................................

ad No 17, 2019

Part X

 

s 76......................................

am No 107, 1997

s 76A...................................

ad No 49, 1994

 

rep No 180, 2012

s 77......................................

am No 107, 1997

 

rep No 75, 2013

 


 



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