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Insurance Disputes

22 INSURANCE AGAINST PECUNIARY LOSS NICHOLAS RIDLEY 1. INTRODUCTION Definition Page 619 22.1 All losses covered by insurance must be capable of being expressed in pecuniary terms in order to found a claim under a policy: insurers are commercial providers of financial compensation rather than spiritual consolation or moral support. In one sense, all insurance is insurance against pecuniary loss. A preliminary need is, therefore, to define the meaning of “insurance against pecuniary loss” and the topics to be covered in this chapter since the phrase, although not authoritatively defined, has never been used to encompass the whole of insurance law.

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