ABSTRACT
An assured is entitled to claim from his insurer an indemnity for an insured loss according to the terms of the policy. For purposes, the types of loss generally recoverable under insurance contracts may be divided into three groups. First, the loss may be one of the losses specifically insured under the policy, albeit one in respect of which the insured may be entitled to claim contribution from interests benefiting from the loss. This group includes general average sacrifices and expenditures. Secondly, the insured may not suffer from the general average act benefit from it, in which case he will come under a liability to contribute in general average; the contribution for which he is liable also be indemnifiable by his insurer. Thirdly, the loss may result from steps taken to avert or minimise an insured loss for which the insured is entitled to recover an additional indemnity under suing and labouring provisions.
