If your policy is "in the aggregate", the indemnity limit is the maximum your insurer will pay for all accumulated claims in a policy year. Sometimes the associated legal costs are included in the same limit and this is called "costs inclusive".  Other times the legal costs are paid separately to the indemnity limit, up to the same level of indemnity. This is called "Costs in addition".

If your policy is any one claim, the indemnity limit is the maximum your insurer will pay for each claim in a policy year, with each claim's legal costs paid in addition, and to the same level of cover. There's no limit to the number of claims you can make, either.

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