22 Provisions for liabilities and charges
  At
January 1,
2004
£m
Exchange
adjustments
£m
Unused
amounts
reversed
£m
Charged to
profit and
loss account
£m
Utilised
£m
At
December 31,
2004
£m
Post-employment, pensions and other post-retirement benefits 160 (9) 17 (9) 159
Deferred taxation (note 23) 214 (17) 14 211
Warranty/guarantees 187 (1) (3) 48 (60) 171
Contract loss 68 (1) (1) 16 (34) 48
Customer financing 92 51 (27) 116
Insurance 25 18 (5) 38
Restructuring and rationalisation 22 (1) 4 (9) 16
Other 27 (1) 10 (8) 28
  795 (12) (22) 178 (152) 787
 
Post-employment, pensions and other post-retirement provisions are long term in nature and the timing of their utilisation is uncertain.
Warranty provisions primarily relate to products sold and generally cover a period of up to three years.
Provisions for contract loss and restructuring are generally expected to be utilised within one year.
Customer financing provisions cover guarantees provided for asset values and/or financing as described in note 28. Timing of utilisation is uncertain.
Insurance provisions relate to the Group’s captive insurance business with timing of utilisation being uncertain.
Other provisions comprise a number of liabilities with varying expected utilisation rates.