Commonwealth Consolidated Acts

INSURANCE CONTRACTS ACT 1984 - NOTES

No. 80, 1984

Compilation No. 32

Compilation date: 1 March 2024

Includes amendments: Act No. 76, 2023

Registered: 1 March 2024

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 1 March 2024 (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 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 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 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If a provision of the compiled law has been repealed in accordance with a provision of the law, details are included in the endnotes.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 Short title

2 Commencement

3 Repeals

4 Previous contracts

5 Crown to be bound

6 Extension to external Territories

7 Effect of Act on other laws

8 Application of Act

9 Exceptions to application of Act

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

10 Contracts of insurance

11 Interpretation

11AA Application of the Criminal Code

11AB Consumer insurance contracts

Part IA--Administration

11AAA Definition

11A ASIC responsible for general administration of Act

11B Powers of the ASIC

11C Supervisory powers--ASIC may obtain insurance documents

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

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

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

11F ASIC's power to intervene in proceedings

Part II--The duty of the utmost good faith

12 This Part not to be read down

13 The duty of the utmost good faith

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

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

15 Certain other laws not to apply

Part III--Insurable interests

Division 1--General insurance

16 Insurable interest not required

17 Legal or equitable interest not required at time of loss

Division 2--Other contracts of insurance

18 Insurable interest not required

Division 3--Naming of persons benefited

20 Persons benefited need not be named

Part IV--Disclosures and misrepresentations

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

20A Application of this Division

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

20C Warranties of existing facts to be representations

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

20E Application of this Division

21 The insured's duty of disclosure

22 Insurer to inform of duty of disclosure

Division 2--Other contracts: misrepresentations by insured

23A Application of this Division

23 Ambiguous questions

24 Warranties of existing facts to be representations

25 Misrepresentation by life insured

26 Certain statements not misrepresentations

27 Failure to answer questions

Division 3--Remedies for relevant failures

27AA Meaning of relevant failure

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

28 General insurance

29 Life insurance

30 Misstatements of age

31 Court may disregard avoidance in certain circumstances

32 Relevant failure by life insured covered under group life contract

32A Relevant failure by holder of RSA

33 No other remedies

Division 4--Key Facts Sheets

33A Application of this Division

33B What is a Key Facts Sheet?

33C Insurer's obligation to provide Key Facts Sheet

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

Part V--The contract

Division 1--Standard cover

34 Interpretation

35 Notification of certain provisions

36 Interpretation of regulations

37 Notification of unusual terms

Division 1A--Definition of flood

37A Application of this Division

37B Meaning of flood in prescribed contracts etc.

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

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

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

Division 2--General provisions relating to insurance contracts

38 Interim contracts of insurance

39 Instalment contracts of general insurance

40 Certain contracts of liability insurance

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

42 Maximum cover for premium

43 Arbitration provisions

44 Average provisions

45 "Other insurance" provisions

46 Pre-existing defect or imperfection

47 Pre-existing sickness or disability

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

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

48A Life policy for the benefit of third party beneficiary

49 Where sum insured exceeds value of insured's interest

50 Sale of insured property

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

52 "Contracting out" prohibited

53 Variation of contracts of insurance

Division 3--Remedies

54 Insurer may not refuse to pay claims in certain circumstances

55 No other remedies

55A Representative actions by the ASIC

Part VI--Claims

56 Fraudulent claims

57 Interest on claims

Part VII--Expiration, renewal and cancellation

58 Insurer to notify of expiration of contracts of general insurance

59 Cancellation procedure

59A Cancellation of contracts of life insurance

60 Cancellation of contracts of general insurance

61 Insurers in liquidation

62 Cancellation of instalment contracts of general insurance

63 Cancellations of contracts of insurance void

Part VIII--Subrogation

64 Application to third party beneficiaries

65 Subrogation to rights against family etc.

66 Subrogation to rights against employees

67 Rights with respect to money recovered under subrogation etc.

68 Contracts affecting rights of subrogation

Part IX--Information, notices and reasons

69 Giving of information to insureds

70 Notices to be given to life insureds in certain cases

71 Agency

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

72A Method for giving written notices or documents

74 Policy documents to be supplied on request

75 Reasons for cancellation etc. to be given

Part IXA--Enforcement

Division 1--Civil penalty provisions

Subdivision A--Obtaining a pecuniary penalty order

75A Declaration of contravention of civil penalty provision

75B Pecuniary penalty orders

75C Maximum pecuniary penalty

75D Pecuniary penalty applicable

75E Civil enforcement of pecuniary penalty orders

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

75G Conduct contravening more than one civil penalty provision

75H Multiple contraventions

75J Proceedings may be heard together

75K Civil evidence and procedure rules for pecuniary penalty orders

Subdivision B--Civil proceedings and criminal proceedings

75L Civil proceedings after criminal proceedings

75M Criminal proceedings during civil proceedings

75N Criminal proceedings after civil proceedings

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

Subdivision C--Miscellaneous

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

75R Continuing contraventions of civil penalty provisions

75S State of mind

75T Mistake of fact

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

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

Division 2--Infringement notices

75W When an infringement notice may be given

75X Provisions subject to an infringement notice

75Y Matters to be included in an infringement notice

75Z Payment period

75ZA Extension of time to pay amount

75ZB Payment by instalments

75ZC Withdrawal of an infringement notice

75ZD Effect of payment of amount

75ZE Effect of this Division

Part X--Miscellaneous

76 Contribution between insurers

78 Regulations

Endnotes

Endnote 1--About the endnotes

Endnote 2--Abbreviation key

Endnote 3--Legislation history

Endnote 4--Amendment history

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 how an amendment is to be made. If, despite the misdescription, the amendment can be given effect as intended, then the misdescribed amendment can be incorporated through an editorial change made under section  15V of the Legislation Act 2003.

If a misdescribed amendment cannot be given effect as intended, the amendment is not incorporated and "(md not incorp)" is added to 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)
as amended by
Treasury Laws Amendment (Modernising Business Communications and Other Measures) Act 2023	69, 2023	14 Sept 2023	Sch 4 (item 64): 15 Sept 2023 (s 2(1) item 5)	--
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)	--
Treasury Laws Amendment (2023 Law Improvement Package No. 1) Act 2023	76, 2023	20 Sept 2023	Sch 2 (items 668, 669): 20 Oct 2023 (s 2(1) item 2) Sch 4 (item 90): 1 Mar 2024 (s 2(1) item 15)	--

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
	am No 76, 2023
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
	am No 76, 2023
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