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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 2023 policy year.

For entries in Assuranceforeningen Gard – gjensidig –, the insurer is Assuranceforeningen Gard – gjensidig –. Likewise, for entries in Gard P. & I. (Bermuda) Ltd, the insurer 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 2023 policy year which runs from 20 February 2023 to 20 February 2024 contains some alterations to the Rules which applied for the 2022 policy year. Further details of the alterations can be found in Circulars no 15/2021 “Amendments to the Rules 2023” and no 17/2021 Additional amendments to Rules 2023 which were sent to Members in January 2023.