If Roy has two personal accident policies for loss of limb totaling £25,000 and £30,000, what is the total he would receive if he made a valid claim?

In the scenario presented, Roy has two separate personal accident policies that each provide coverage for loss of limb. When someone holds multiple insurance policies for the same risk, they can potentially claim under each policy for the same incident without any restrictions on the total recovery.

In this case, Roy has one policy that pays £25,000 and another that pays £30,000. If he makes a valid claim for loss of limb, he is entitled to the full amount from both policies, leading to a total payout of £55,000.

This principle is often referred to as indemnity, which in this context allows for multiple insurance coverages to be collected as long as they are independent and cover the same loss. Thus, the correct total Roy would receive from both policies combined is indeed £55,000.