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1) An insurers “contribution” is their share of an insured loss; and/or 2) The “contribution clause” in an insurance policy generally states that where one or more insurers are covering the same loss, they will share the loss or liability on a proportionate basis. Under Australia’s Insurance Contracts Act the insured can nominate one insurer to be responsible to pay all of the loss, and then seek recovery from the other insurers(s).