Cases On the Law of Insurance Selected From Decisions of English And American

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, the total amount at risk did not exceed £23, 500. Before the moiety of the freight was paid at Hamburg and a little over £21, - 000. After the vessel left Hamburg. Some distinction was attempted to be made between over-valuation and over-insurance, but, inasmuch as all the policies were valued policies, the question becomes imma- terial. There was on the evidence over-valuation to the extent of £11, 100. , without taking into consideration the difference between the declared value, £18, 500. ..., and the actual value, £9000. Apart, then, from evidence in the particular case, it seems to me that the statement of the above facts is sufficient to shew that, looking to the provisions of the Act of 1906, the circumstances above stated were material as being those which would influence the judgment of a prudent insurer in fixing the premium or determining whether he would take the risk.
Before proceeding to examine the evidence bearing upon this part of the case I think it well to consider the grounds upon which judg- ment has been given for the pursuers in the Court below.


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