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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. Chapter

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