Liberty Quality Home - house and contents insurance
Article 6 - Other insurance
If multiple insurance policies have been taken out for the same items and declared risks, pursuant to the terms of Article 32 of the Insurance Contract Act 50/1980, the insurer shall contribute to the indemnity in proportion to the insured sum, without exceeding the cost of the damage. Should this declaration be omitted as a result of wilful misconduct, and, in case of over-insurance, should an accident occur, the insurer will not have to pay the indemnity.