A claimant who is not legally entitled to a claim under an insurance contract may be offered payment on?

A. constructive total loss basis
B. partial loss basis
C. advice of loss basis
D. ex-gratia basis

Correct Answer: Option D

Explanation

Ex gratia (/ˌɛks ˈɡreɪʃiə/; also spelled ex-gratia) is Latin for “by favour”, and is most often used in a legal context. When something has been done ex gratia, it has been done voluntarily, out of kindness or grace.