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Insurance Law and the Financial Ombudsman Service

5 POLICY CONSTRUCTION: LAW VERSUS FOS PRECEDENT 5.1 In the interests of certainty, precedent will be followed by a court where the meaning of a term has been established by judicial decision, unless the wording or context in question can be distinguished. As Waller LJ said in Ramco (UK) Ltd v International Insurance Co of Hannover Ltd 1 :

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