The core aspects of insurance contracts include the interpretation of insurance contracts and specific clauses, the statutory rights and duties of the insured and insurer, parol evidence, secondary rules of interpretation and contra proferentem, insurance claims, the insurer’s duty of disclosure, warranties, realisation of risk, quantification of loss, over-insurance, under-insurance, double insurance and the average clause, contribution clauses, subrogation and the right to salvage, excess fees and increases in premiums, different types of life insurance, privacy and data protection, and surrender value.