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Spire v RSA – Round 4: Court of Appeal considers aggregation wording “one source or original cause"

The Court of Appeal has given judgment on the wording of an aggregation clause found commonly in many types of policy wordings (Spire Healthcare Limited v Royal & Sun Alliance Insurance Limited). The effect of the clause was to aggregate "all claims consequent on or attributable to one source or original cause". The judgment confirms existing case law that this wording will aggregate claims on a wide basis, and permits a broad search for a unifying factor. 

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