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Mr. Azhar pledged gold with Ms. Noor against a loan of Rs. 500,000 at a markup of 12% per annum. Being concerned with the growing incidences of robbery and theft in the city, Noor insured the gold. At the time of repayment, Noor claimed the cost of insurance cover in addition to the principal sum due and interest thereon.

Required:

In the light of Contract Act, 1872 briefly explain whether Noor is justified in her claim.