State of the risk

(a) if the insurance relates to a building or to a building and its contents (so far as the contents are covered by the same policy), the state180 in which the building is situated;
(b) if the insurance relates to a vehicle of any type, the state180 of registration;
(ba) if the insurance relates to a vehicle dispatched from one state180 to another, in respect of the period of 30 days beginning with the day on which the purchaser accepts delivery, the state180 of destination (and not, as provided by sub-paragraph (b), the state180 of registration);53

(c) in the case of policies of a duration of four months or less covering travel or holiday risks (whatever the class concerned), the state180 in which the policyholder took out the policy;
(d) in a case not covered by (a) to (c):
1. (i) if the policyholder is an individual, the state180 in which he has his habitual residence at the date when the contract is entered into; and4 11
2. (ii) otherwise, the state180 in which the establishment of the policyholder to which the policy relates is situated at that date.61

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