Insurance and Bargaining– St Albans city

Hello

Sir, In St Albans City and District Council V International Computers Ltd,as claimant was aware of the existence and extent of exclusion clause so in this way if we see then exclusion clause is valid but because defendant had insurance of $50 Million themselves,so because of this reason the exclusion clause was deemed to be unreasonable? And was defendant in stronger bargaining position? How we analyse that who is stronger bargaining position?