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Court of Appeal Decision on Concurrent Causes and War Exclusion

The Court of Appeal has upheld the first instance decision in University of Exeter v Allianz that an exclusion for "loss occasioned by war" applied to exclude from an insurance policy damage caused by the controlled detonation of a WWII bomb, nearly 80 years after it was dropped. The Court of Appeal found that the dropping of the bomb, and the actions to detonate it were concurrent causes of loss. However, contrary to the finding of the High Court, the bomb was not the sole cause of the loss.

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