Roy has two personal accident policies covering loss of a limb at different amounts. How much will he receive in a valid claim?

In the situation described, Roy has two personal accident policies, each providing coverage for loss of a limb. When a policyholder holds multiple insurance policies that cover the same risk, the principle of indemnity applies. This principle states that an insured individual can claim the total amount of coverage but cannot exceed their actual loss.

Given that Roy's policies cover the same risk, the correct approach is to sum the coverage amounts from both policies if they are independent and do not contain any clauses limiting the payout. Assuming that each policy offers a specified amount for the loss of a limb, and if we consider the total payout for the scenario described—resulting in a valid claim amount of £30,000—this could mean one policy provides £15,000 and the other provides an additional £15,000, leading to a total payout of £30,000.

Thus, the answer reflects the total covered amount under the two separate policies for the claim made due to the loss of a limb.