Hong Kong Regulations

MERCHANT SHIPPING (LOCAL VESSELS) (COMPULSORY THIRD PARTY RISKS INSURANCE) REGULATION - SECT 18

Policy of insurance issued in contravention of section 9(1)

(1) Where a policy of insurance is issued by any person in contravention of
section 9(1), the policy holder may opt to—

   (a)  enforce the policy notwithstanding the contravention; or

   (b)  void the policy by reason of the contravention.

(2) A policy holder who opts to void a policy of insurance pursuant to
subsection (1) shall, before the expiration of the policy, by registered post
addressed to the last known address of the person referred to in subsection
(1), give written notice of his decision to the person.

(3) A policy holder who opts to void a policy of insurance pursuant to
subsection (1) shall be entitled to recover any consideration paid by him
under the policy.