Where two or more policies are effected by or on behalf o f the assured on the same adventure and interest or any part thereof, and the sums insured exceed the indemnity allowed by this Act, the assured is said to be over-ins ured by double insurance (2)Where the assured is over-insured by double insurance The assured, unless the policy otherwise provides, may claim payment from the insurers in such order as he may think fit, provided that he is n ot entitled to receive any sum in excess of the indemnity allowed by this Act;Where the policy under which the assured claims is a valued policy, the assured must give credit as against the valuation for any sum rec eived by him under any other policy without regard to the actual value of the subject-ma tter insured;Where the policy under which the assured claims is an unvalu ed policy he must give credit, as against the full insurable value, for any sum rec eived by him under any other policy; Where the assured receives any sum in excess of the indemnit y allowed by this Act, he is deemed to hold such sum in trust for the insurers acco rding to their right of contribution among themselves.

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