Policy disputes are not unusual and often require the parties to resolve any ambiguity through taking a sensible commercial review of a policy’s terms and conditions. In England there are limited circumstances in which a court will consider extrinsic evidence such as pre-contract negotiations and draft policy wordings.
This is on the basis of the parole evidence rule; the document is the best proof of the deal struck. Singapore has a more open approach to extrinsic evidence and the ramifications for contracts of insurance are significant.
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