The effect of the coinsurance or average clause included in a house and contents policy is to:

	a.	increase payouts to policyholders if they are over-insured at the time of making a claim
	b.	decrease payouts to policyholders if they are under-insured at the time of making a claim
	c.	both a) and b)
	d.	ensure that a claim rejection arising from late payment can be overturned by the courts