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Chapter 6 Proximate cause 6/5

Key points

The main ideas covered by this chapter can be summarised as follows:
• Proximate cause can be defined as the active, efficient cause that sets in motion a train of events which brings
about a result, without the intervention of any force started and working actively from a new and independent
source.
• Perils can be classified as insured, excepted/excluded and uninsured/unnamed. The peril deemed to be the
proximate cause of the loss, which dictates how the insurer will respond to the claim, falls into this last category.
• The doctrine of proximate cause can be modified by policy wordings and it is important to check the precise
wordings of exclusions in deciding how they affect any claim. Reference copy for CII Face to Face Training Chapter

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