law: Marine Insurance Act, 1963 
  77. Successive losses
  (1) Unless the policy
  
  otherwise provides, and subject to the provisions of this Act, the insurer is
  
  liable for successive losses, even though the total amount of such losses may
  
  exceed the sum insured.
  (2) Where under the
  
  same policy, a partial loss, which has not been repaired or otherwise made good,
  
  is followed by a total loss, the assured can only recover in respect of the
  
  total loss :
  Provided that nothing in this
  
  section shall affect the liability of the insurer under the suing and laboring
  
  clause.