Such expenses, where properly incurred, may be recovered as particular charges or as a general average loss, according to the circumstances under which they were incurred.
Data include the vehicle make and model, claim frequency, average loss payment per claim and overall losses per insured vehicle year.
For instance, when WPA3% cover is taken out, a particular average loss under 3% of the insured amount will not be recoverable but one amounting to or exceeding 3% of the insured amount will be paid.
particular average and general average loss
