Can anyone with a legal bent please help - if an insurance document says in the proposal form & cover note that the underwriter shall do one thing (i.e. pay according to a certain calculation), but in the T&C's says it shall do something different (strangely enough to lessen the insured's payout), which takes precedence or might there be an augument that the underwriter could be liable for the higher payment? Needless to say, I am facing the issue over my car which is being written off.

Thanks,
Trev