Which of the following is NOT a principle of an Insurance Contract?

"Donatio mortis causa" is a gift of movable property made in contemplation of death (Section 191 of the Indian Succession Act, 1925, saved by Section 129 of the Transfer of Property Act, 1882) and has nothing to do with insurance. "Causa Proxima" (only the proximate cause of loss is regarded), "Mitigation of Risk" (the insured's duty to minimise loss) and "Subrogation" (the insurer stepping into the insured's rights after paying) are all recognised principles of insurance contracts.