(1)

Proxi-
mate
cause of



In . Lock v. . Army, Navy and General Assurance
Association [1915, 31 T.L.R. 297] a life insurance
policy provided that it should not cover death by
war, and it also provided for arbitration. The in-
sured person lost his life on board H.M.S. Bulwark
by the explosion which caused her loss. In an action
on the policy the defendants applied to have the
action stayed. The Court held that it was open to
the insurers to dispute the opinion formed by the
Admiralty that the ship had not been torpedoed or lost
through an act of war, and that as the policy contained
an arbitration clause all legal proceedings must be
stayed.
