It's not given there are no NIHL warranties as SGH will incur expense of claims administration and in respect of which if the bacon doesn't come home there could well be warranties related to maintaining claims admin expense. Seems entirely probable as a value judgment couldn't be reached so no price paid but equally there would have been an expectation to maintaining n claims expense which has to be balanced.
It's not given there are no NIHL warranties as SGH will incur...
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