b) Thapelo and Gorata are legally separated. Thapelo insured their vacation home for P280 000. He was not aware that Gorata also purchased coverage and she insured the vacation home for P200 000. While both policies were in force, a P350 000 covered loss occurred. How will the loss be settled if:

(i) pro rata liability is used?

(ii) contribution by equal shares is used?

(iii) primary and excess insurance is used, with Thapelos coverage being deemed primary?

[12 marks]