1. The rules governing the interpretation of a policy which include the contra proferentem rule, the ordinary meaning rule, the ejusdem generis rule, the whole policy rule, the technical words rule and the written words prevail rule. 2. The First Schedule of the Marine Insurance Act 1906 contains the Rules for the Construction of the Policy.
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A Policy of Insurance is to be constructed like any other contract, it is to be constructed in the first place from the terms used in it, which terms are themselves to be understood in their primary sense. The meaning of a word in a Policy is that which an ordinary man of normal intelligence would place upon it, and understandable by ordinary persons.