An insured who has coverage for all his personal property has his TV stolen from the shop of the repairman. The owner of the repair shop filed a claim under the insured's policy, but it paid nothing to the owner of the store. Which provision does the policy have?

No benefit to bailee clause

Explanation:

The no benefit to bailee clause is a type of policy that prevent a person in possession of another person property from benefiting from the insurance the owner has on the property with the insurance company. Which was the reason the owner of the repair shop paid nothing to the owner of the TV because the property was not in the possession of the owner at that particular time and the owner of the repair shop does not own the TV so he can't benefit from any insurance because he is not the policy holder even though the TV was in his custody .

what is the other part to the question

1.new zealand has a large temperate climate while for north has subtropical weather during summer.

i can only answer one