Section 54 of the Insurance Contracts Act remains a broad remedial provision to guard against technical policy exclusions. Has your insurer denied indemnity because you breached a policy term? Section 54 may save you. Forgot to notify your D&O insurer of a claim and now the policy has expired? Section 54 can help. Forgot to notify your insurer of circumstances that existed during the policy period that have now – after the policy has expired – given rise to a claim? Section 54 may be the answer.