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This decision could further dilute the application of Hammoud Brothers and the availability of the ‘no insured event’ defence for insurers. Ultimately insurers should be reviewing the wording of their policies to ensure that insured events are worded in such a way as to require insureds to discharge their burden of proving fortuitous insured events.

We will not cover your legal liability for injury to any person who normally lives with you… – The Allianz small print

Insurance companies rely on your ignorance of the changes the Government has made nationally to protect your rights from Insurers not paying.

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