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 context of personal accident policies, it is important to understand that when an individual holds multiple policies covering the same risk, each policy typically pays out independently for the loss, unless a policy specifically stipulates otherwise.

In this case, Roy has two personal accident policies that both cover the loss of a limb. If both policies define the coverage amounts and there are no clauses that limit payment due to overlapping coverage, he would receive the full benefit specified in each policy for his valid claim.

Since the answer indicates that he would receive £30,000, it suggests that this amount is the total payout from the combined coverage of the two policies. For example, if one policy pays a specific amount and the second policy pays a portion, their total can add up to £30,000. This situation typically arises when the policies provide differing amounts that sum up to this total.

Various combinations of policies can lead to different total payouts, but the amount stated as £30,000 indicates that this is the correct full amount due based on the specific coverage of each personal accident policy Roy holds. Thus, Roy would receive this total upon making a valid claim for the loss of the limb.