These are payment for losses which clearly fall outside the scope of the Policy. Although the losses are not payable, the Insurers, to avoid hardship to the insured, consider, in very special cases, settlement of these claims. For example, due to a genuine oversight a certain item of property may not be included in the Policy or renewal although in the past to was covered. These payments are made as an “act of grace” and are justifiable on grounds of good business Policy. Such settlements are never made on the basis of the full loss. A certain percentage only is paid. These payments are made “without prejudice,” that is to say, Insurers do not have an obligation to make similar payments in future.