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Extra info for Cases & Mats on Marine Insurance Law
I see no ground for cutting down the section in that way. It seems to me Parliament has said that, if this clause is in the policy, it is to be deemed to be a gaming and wagering policy, because it is a gaming and wagering clause. Nor is it of any consequence whether a ppi clause, once attached to the policy, has since been detached, as was shown in Re London County Commercial Reinsurance Office Ltd, below. Re London County Commercial Reinsurance Office Ltd  2 Ch 67 A reinsurance company was being wound up and a committee of creditors was appointed.
It is immaterial, when such words as ‘interest or no interest’, ‘without further proof of interest than the policy itself’, ‘without benefit of salvage to the insurer’, or any other like term, are used, whether the assured has or has not an insurable interest in the subject matter insured. Just the use of the words themselves, or any other like term, is sufficient to render the contract void. This was particularly well illustrated in the case of Cheshire and Co v Vaughan Brothers and Co, below.
Scrutton LJ: [p 254] …The argument, if I understand it rightly, is that subs 2 means that the contract is prima facie deemed to be a gaming and wagering contract, but that inference may be rebutted by showing that the assured had either an insurable interest or an expectation of acquiring one. That is, in effect, to read cl (a) of sub-s 2 into cl (b). I see no ground for cutting down the section in that way. It seems to me Parliament has said that, if this clause is in the policy, it is to be deemed to be a gaming and wagering policy, because it is a gaming and wagering clause.
Cases & Mats on Marine Insurance Law by Hodges