Under the Standard Policy Form (S.P.F. 1), who is waived subrogation against in the Additional Agreements?

The Standard Policy Form (S.P.F. 1) typically does not include a blanket waiver of subrogation against any specific group, person, or category under the Additional Agreements. Subrogation allows an insurer to recover the costs of a claim from the responsible party after compensating the insured, but these rights can be modified or waived under certain circumstances.

In this context, the Additional Agreements section generally contains specific terms that the insurer agrees to, and as a rule, does not automatically extend to all potential parties like relatives, drivers, or any individuals with the insured’s consent. Therefore, the correct answer reflects the absence of a waiver in this specific policy structure. The subrogation rights remain intact unless explicitly stated otherwise in the terms of the policy or through additional agreements, which is not the case in the S.P.F. 1 format.

Each option provided suggests a specific category or relationship to the insured where subrogation could be waived, but none of these are explicitly included in the S.P.F. 1 policy. As such, it leads to the conclusion that no such blanket waivers are present in this form.