Roy effects two personal accident insurance policies providing £25,000 and £30,000 for loss of limb cover. What is the total amount Roy will receive in a valid claim?

In the scenario presented, where Roy has two personal accident insurance policies, the total amount payable in the event of a valid claim for loss of limb is determined by the sum of the coverage amounts from both policies. Since Roy has a policy providing £25,000 and another providing £30,000 for such a claim, the total compensation would indeed be the addition of these two amounts.

This is based on the principle that multiple insurance policies can be taken out to cover the same risk, and in the case of a claim, the insured can receive payouts from all applicable policies. Therefore, when Roy makes a valid claim, he will receive £25,000 from the first policy and £30,000 from the second policy, resulting in a combined total of £55,000.

The other amounts mentioned in the choices do not accurately reflect this principle of insurance coverage, thus confirming that the total payout in a valid claim would indeed be £55,000.