Preface

Gard AS is acting as the agent of both Assuranceforeningen Gard

- gjensidig - and Gard P. & I. (Bermuda) Ltd. Gard AS has prepared, and the two associations’ Board of Directors have approved a joint set of standard terms of cover for P&I risks (“Rules”) for the 2026 policy year.

For entries in Assuranceforeningen Gard -gjensidig-, the insurer is Assuranceforeningen Gard - gjensidig -. Likewise, for entries in Gard P. & I. (Bermuda) Ltd, theinsurer is Gard P. & I. (Bermuda) Ltd.

The Statutes of Assuranceforeningen Gard - gjensidig - and the Bye-Laws of Gard P. & I. (Bermuda) Ltd. are available on request and published on the Gard website. The Rules for the 2026 policy year which runs from

20 February 2026 to 20 February 2027 contains some alterations to the Rules which applied for the 2025 policy year. Further details of the alterations can be foundin Circular no. 17/2024 which was sent to the Members in January 2026. The Circular can also be found on the Gard website. www.gard.no