You are a claims handler for AB plc, a personal lines insurer. One of AB plc's policyholders, Gino, reports a claim for flooding in the cellar of his house.

Gino hired an emergency plumber to stop the flood. The emergency plumber discovered that the flooding had been caused by the wear and tear of a water pipe. Wear and tear is an excluded peril in AB plc's household insurance policy.

Another plumber, a plasterer and other relevant trade persons were subsequently engaged to repair the damage.

The flooding caused extensive damage to the cellar, which was used for storing bottles of vintage wines. Gino states that the wine is now 'valueless' as the labels on the bottles were damaged by the flood.

Gino paid, in cash, the emergency plumber to stop the flood and did not obtain a receipt or an invoice. The plasterer who repaired the cellar walls was paid by electronic transfer to the plasterer's personal bank account. All other repair costs were paid by Gino by cheque.

Gino requests that AB plc reimburse him for his losses.

(a) Explain, with justification, the extent to which the policy provides cover for the emergency repair to

stop the flood. Refer to one relevant case in support of your explanation. (b) Explain, with justification, the extent to which the policy provides cover for Gino's other losses.Refer to one relevant case in support of your explanation. (c) Identify, with justification, the i	(6)
(8)