Discuss (c) unclean hands

The problem: the standard-form policy (the adhesion contract — Unit 2.1) — the insurer's drafted terms against the consumer's unread acceptance; the unfairness' catalogue: the sweeping exclusions (the hidden-conditions' traps); the onerous conditions (the claim's procedural hurdles — the strict-notice-and-proof requirements); the ambiguity's exploitation (the unclear terms' anti- consumer reading); the penalty-type clauses. The law's responses: (i) the contra proferentem rule (the ambiguity construed AGAINST the drafter — the insurer's drafting risk); (ii) the reasonable-expectations doctrine (the consumer's coverage's fair reading — the jurisprudential face); (iii) the regulatory pre-approval (the standard-policy forms' filing-and-approval — the unfair terms' pre-screening: Unit 3.3's craft); (iv) the statutory unfair-terms disciplines (the Consumer Protection Act 2075's faces; the contract-law's unconscionability); (v) the plain- language requirements (the readability's regulation). The insurer's liability: the unfair term's unenforceability (the severance's craft — the bad clause's removal, the policy's survival); the liability's fullness (the claim's payment despite the unfair bar).