Section 78: Successive losses.

(1) Unless the policy otherwise provides, and subject to the provisions of this Act, the insurer shall be 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 may recover in respect only of the total loss.
(3) Nothing in this section shall affect the liability of an insurer under a suing and labouring clause in the prescribed form or to the like effect if contained in the policy.